davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

A check written by and drawn on Credit Union in good standing was deposited via Remote Deposit Capture into my Bank of America account. The check is what is known as a " Teller Check '' in the amount of {$2600.00}. A day later, a 10 day hold was placed on my deposit. By law : " The following types of deposits must be made available on the first business day following the banking day of deposit ( " next-day availability '' ) : .... 
7. Cashier 's, certified, or teller 's checks deposited in person to one of your employees and into an account held by a payee of the check. ( Note : If the customer desires next-day availability of funds from these checks, you may require use of a special deposit slip. ) '' - Excerpt on Compliance with Reg CC, Determination of Availability of funds from  www.federalreserve.gov. 

I received a notice that my deposit, made on XXXX XXXX, XXXX in the amount of XXXX on hold and would not be available until XXXX XXXX, XXXX. The reason for hold given is " A hold was placed on your check ( s ) because check specific information indicates item may be returned ''. 

I believe this to be an unlawful hold. I have called the bank ( who is really a 3rd party organization who tells me they make these decisions for the bank ) to determine what reason they had to believe the check may be returned. They would not or could not give me a reason for what the indications were that the item may be returned, but repeatedly told me they could release the hold because of this 'reason '. They also repeatedly stated that they would provide me with the details after 'processing ' was complete. 

This is not the first check of this type that they have cleared through my bank. Holding checks because of indications that it may be returned, when in fact, the check has probably already cleared, is all but an excuse for the bank holding my funds ( and who knows how many others ) allowing BofA to make money off of the 'float '. This is, as I see it a misappropriation of Regulation CC " Reasonable Doubt '' rules for Exception check holds.

There is no reasonable cause for 'doubt ' as a ) the check is dated XXXX/XXXX/XXXX, so is neither postdated, nor staledated, nor has the institution declined to honor the check the bank is refusing to provide any evidence that " the existence of facts would cause a well-grounded belief in the mind of a reasonable person '' that the check is uncollectible, as the regulation declares a requirement for this type of hold. Also noted in this rule is the statement that the reason for your belief that the check is uncollectible must be included in your notice to the customer. This has not been done and is a very clear violation of the law.
Consumer complaint received 2017-08-25
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My husband and I own a few small commercial properties, one which is a 6 unit property which has a mortgage from Capital One. The property has 1 commercial unit for which Capital One insisted on reviewing the lease in case of change of tenant. The lease is expiring next year in XX/XX/XXXX and in preparation for that we ensured that we put a tenant in place with a new use in XX/XX/XXXX. In order for us to do that we had to get the bank to agree and review the lease. After about 8 months of conversations with the bank during which time they were reviewing the lease, and placing additional restrictions on us operating our XXXX XXXX, they gave us a final ultimatum - agree to all the conditions that the bank wants or they will not approve the lease. There was no negotiating with the bank, they took 8 months and served us a bill for {$4500.00} for legal review. This puts our livelihood in danger as the legal bills are a very significant portion of our annual income from this property. We have never had these kind of issues with any mortgage provider for any of our properties and have gone 4 times through similar processes over the last 8 years.
Consumer complaint received 2017-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

According to the Fair Credit Reporting Act ( FCRA ), past due accounts can only remain on your credit report for seven years from the first date of delinquency. My account with XXXX XXXX XXXX become delinquent on XX/2010. The first date of delinquency is in excess of seven years ( 7 ) and should be removed from my credit report. In addition, a collection agency, XXXX XXXX XXXX, fraudulently re-aged a past due debt, making it look like the account became delinquent later than it did. The account has actually been past due in excess of seven years and is also required to be removed. I have filed disputes with the respective credit repositories -- but both accounts continue to be listed as negative / outstanding items on my credit report.
Consumer complaint received 2017-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (VA)

I have been a customer of PNC bank since XX/XX/XXXX, when it acquired XXXX bank ( which I had been a customer of since XX/XX/XXXX ). Recently, PNC changed the terms of my checking account without adequate notice. One day last month I noticed an {$11.00} fee assessed to my account. I used PNC 's online messaging system to request a refund, which was granted. I also chatted with their online service to try to figure out why I was assessed the fee and how I could avoid it going forward. The terms were n't quite clear to me so I went into a local branch to discuss with a banker in person. Even the banker was a bit confused as to what was required to avoid the fee ( apparently I have an old account which they do n't even offer anymore ), but he told me that I either needed keep an average balance of {$1000.00} per month OR I needed to both receive a direct deposit AND pay a bill using their billpay service each month. I do already receive direct-deposit twice a month at least and then I signed up that very same day to pay a bill using their billpay. However, I was assessed an {$11.00} fee again this month. I contacted my banker to ask for a refund and was told that my bill-payment was made 1 day outside the window of my bank statement and that it could not be refunded. I explained to him that the terms had been unclear and it seemed unfair that, although I did jump through the bank 's hoops and do what was required, I was still assessed this fee. And by the way, I had not been made aware of when the bill payment needed to be completed by, so the fee seems unreasonable. The bank 's tactics have been confusing and deceitful. I wonder how many other customers they are doing this to ... and how can they change the terms of my account without adequate notice? Thank you in advance for your time and your assistance.
Consumer complaint received 2017-08-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (AR)

On XX/XX/XXXX, I was XXXX XXXX and XXXX from the XXXX XXXX XXXX Military. The primary reason was XXXX, and I was awarded XXXX XXXX XXXX pension. I appealed the decision effectictive in XX/XX/XXXX. On XX/XX/XXXX, I had XX/XX/XXXX, which was one of my main medical complaints. I have XXXX of the XXXX ( XXXX XXXX XXXX as well as XXXX and XXXX of the XXXX ) and XXXX of the XXXX. I am still having XXXX XXXX XXXX and problems and taking XXXX medications through the V.A.. The V.A. is talking about possible XXXX again on my XXXX and XXXX XXXX. They have also discovered I have XXXX of my XXXX XXXX  and XXXX, as well as XXXX of XXXX XXXX XXXX. The V.A. also determined that I have XXXX XXXX and / or XXXX in my XXXX XXXX. All the above is under appeal STIIL and it 's the Department of Veteran Affairs. The state Social Security XXXX denied my claim stating that under their rules, with my education, training, and experience, I can still perform certain jobs. They are wrong and I will be appealing again. I XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and so on without severe pain.
Anyway, since all of this started, I have been out of work and trying to live off my XXXX XXXX XXXX pension from the military. I missed one payment a while back, and Vanderbilt Mortgage DID take that payment and put it to the end of my mortgage. I missed another payment, then only made a partial payment because my truck broke down ( which I can not afford to fix ) and had to have it towed a long distance costing me a good chunk of money. Now, Vanderbilt Mortgage is no longer willing to work with me and are saying I am 2 and 1/2 months behind on my mortgage. I get paid. Once per month at the end of the month. I make my payment online the day the money hits my account. Vanderbilt works off electronic checks. They keep charging me almost {$20.00} late fees each month claiming I am paying late. I tried to modify my mortgage by extending it to lower my payments, but was denied because " I do not make enough money ''. Then I get a letter stating that they are under th impression that I can NOT make my payments anymore and offered me {$500.00} to be out byXX/XX/XXXX. I received that letter on Saturday, XX/XX/XXXX. Then I got another letter stating that they are attempting to help me, but I am not willing to make the effort. WRONG! It is the exact opposite. They are not willing to work with me or help me in any way. They are already charging me over 10 % interest. They wo n't even explain to me how they figure I am past due by 2 1/2 months.
Consumer complaint received 2024-09-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

On XX/XX/2023 I closed the account with XXXX XXXX XXXX because I got another company with cheap cell phones. I paid at the end everything. Then on XXXX I received a letter supposedly from XXXX XXXX XXXX and when I called there are a man with XXXX XXXX ask me to paid immediately the bill, and when I asked him why because I didn't owe any to the company he hung off of me. Then I continue receiving phone calls from them. But was the same person. On XX/XX/2023 I called XXXX XXXX XXXX because I received another letter, the company told me my account was closed on XX/XX/2023. XXXX balance I asked the person if the can send a confirmation email and the supervisor send it to me then ; they continue with the phone calls and when I send I don't have any balance to pay they almost force to me to get the payment, after one year now I received a letter from I.C. System Inc Debit collector agency charge me an amount for XXXX XXXX XXXX, when I called them I spend hours to try to reach them and they are not answer. 
I didn't own the amount they said I have emails and confirmations from the XXXX XXXX XXXX company I didn't have any balance when I closed the account.

Please help to stop this fraudulent issue. Thank you
Consumer complaint received 2017-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

This letter is to inform you that I recently received a copy of my credit report that your company publishesand after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed  below.Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorde d and retained in your file at the _me of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under  Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributin g them  to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me w ith a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
Consumer complaint received 2017-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (VA)

Chase Ban k USA N.A.  has made credit inquiries against my account o n 4 diffe rent dates and has opened an  AMAZON.COM Visa Signature credit card in my name, on the last credit pull, I was sent a letter stating they received an ap plication and needed more information about my income and financial obligations to make a decision.     The dates my credit were pulled are :  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX  I contacted  Chase  at the number provided on the letters and/or credit card sent and notified them that this was not a valid application.     On the first  three  dates  XXXX   XXXX  -  XXXX   XXXX ,  Chase  recorded a fraud investigation and determined that the application was fraudulent but would not tell me where the application came from, I notified my credit bureau 's each time. I requested each time that my name be included as having fraudulent activity request and to be excluded from any credit inquiries and was assured they had marked these as fraudulent.     I am in the process of contacting  Chase  for the last letter received from the  XXXX   XXXX ,  XXXX  inquiry.     I feel that  Chase  is knowingly and unethically phishing for customer accounts by using existing information they have about their customers to obtain new accounts.     I have had a  Chase   Freedom  card for over 3 years and feel that my information was obtained from my existing account.     I want to determine how I can stop this activity without having to freeze my credit in which there is a fee to freeze and unfreeze my account. This has also caused unnecessary activity on my credit reports.     Chase should stop this " phishing '' activity, it is obvious they are using existing customer information as it has been determined that the information was not an external request for credit.     My credit accounts have been marked with fraudulent activity from Chase but somehow they are still able to pull my credit.
Consumer complaint received 2017-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TIDEWATER FINANCE COMPANY, INC. (MD)

On XX/XX/XXXX I received notice that Tidewater Finance debited my savings account in the amount of {$3000.00}. I have never had an account with them. I contacted Tidewater on XX/XX/XXXX, and manager XXXX XXXX acknowledged that I was not and have not been a customer or client of Tidewater Finance. Nobody I know has an account with that company, and I have certainly never allowed my savings account to be used for any purpose regarding Tidewater Finance. Tidewater took my entire life savings from my account without my authorization. I 've also had {$86.00} in fees incurred because of their unauthorized and unwarranted debit of my account.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Im incredibly frustrated and disheartened by the lack of attention to my repeated requests to fix the errors on my credit report. Its been an ongoing issue, and despite reaching out multiple times, I feel like my concerns are being ignored, which is unfairly impacting my credit and peace of mind.
Consumer complaint received 2017-08-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (MI)

XXXX of 2016 I contacted Sallie Mae Loans in order to follow through with a repayment option. I was only told and directed to forbearance option. No other options were " available '' While the forbearance is intact I was away on military XXXX limiting my interest rate to 6 %. But I returned and thus rejoined going to College at XXXX XXXX University. I contacted the loan provider that XX/XX/XXXX/XX/XX/XXXX time to let them know I would be attending school and would like to know who actually owned my student loan debt as I know they sell them off to other companies. But they did not provide that information and still have not provided that information to me. Also i was interested in getting the in school deferment plan but I was told no such program existed since they were a private loan institution. Now that I know that is false. Had this information been released to be I would have applied for this way earlier and saved money for myself in the long run. I know that Sallie Mae had problems with this earlier as they had legality issues pertaining this recently. This was unfair to me as a citizen, military member and loan holder as I should have been told about my options from the start and they should be easily and readily accessible to me.
Consumer complaint received 2017-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Under the new law effective XXXX XXXX, 2017 any public record data must include name, address and SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Consumer complaint received 2017-08-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

Back in XX/XX/XXXX I had a checking and a savings account with 5/3 bank. I had the checking account set up to automatically send a check out each month to pay a regular bill ( home owner 's association ). I would receive the rent check ( from the people renting ) and deposit it into this account each month to cover the mortgage and association. I had to move out and rented it out to try and keep it when I had no income and had to file a bankruptcy. Well when the rent was late one month, 5/3 still sent a check from my account when there were no funds to cover it without my knowledge. I still had XXXX sitting in the savings account with 5/3. I was never notified of anything and because I was n't receiving rent, I was n't using 5/3. Cut to XX/XX/XXXX when I was working in the mortgage dept of a credit union as a temp. When they offered me a job and i had to go through all of the hiring process. This is the first knowledge I had that 5/3 had submitted my name as someone who writes fraudulent checks to XXXX and then sells the " debt '' ( for a check I did n't write! ). For years now, I not only receive nasty phone calls and threats but they call people in my family and hound them and tell them they are filing charges against me to try to scare them. It is absolutely disgusting! I called and called and went into fifth third, to try and rectify this at the time that I found out about it. Needless to say that when I was desperate for a job, I was not hire-able and lost my job! I only got the run around from fifth third, every location told me to try a different number/ office and absolutely no one in the company could tell me how to escalate anything. It was an absolute nightmare! And it goes on and on! Even if i paid one of these people harassing me, I am told the only way it will ever be removed from XXXX is by fifth third and they will not do it because they do not own the debt anymore. Every time this debt is sold to someone else and they make a query on it, it renews for another 5 years!!!! These people will never stop harassing me and my family. I even filed a complaint with the BBB ( which is a joke ) and they did n't even bother contacting them!
Consumer complaint received 2017-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (IN)

In my conversation with XXXX on XXXX XXXX, 2017 and requested a payoff amount valid for up to thirty ( 30 ) days and I still have not received it, therefore, I am formally requesting a payoff quote be fax to my attention at ( XXXX ) XXXX. In addition, please send to me via the same methodology via facsimile to ( XXXX ) XXXX the complete payment history of all payments made on this loan from its inception ( beginning ) until the date you signed for this Certified Letter.
Consumer complaint received 2017-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OH)

I have contacted Equifax Credit reporting agencies for the last 5 months over and over again with dispute after dispute. They, ( CSR ), are so in the habit of telling you what you ca n't dispute on the report or telling you what wordage you ca n't use to dispute, or just telling you that you ca n't dispute. When calling in, I am always transferred to CSR 's outside of the country who are not informed of the new laws regarding credit reporting. The new laws installed XXXX XXXX, 2017 XXXX new credit reporting laws are not known to any of the CSR 's I have talked to. I inform them of these laws, and since they have not been made aware of them, they really do n't help at all. The new law is the new criteria set for reporting civil judgements, bankruptcies and tax liens. If these criteria 's are not met, the item has to be removed from your report. I had problems with even management when it came to understanding this law because they never heard of it. I offered to send them the information stating these laws. I have the problem with the bankruptcy criteria that has not been met with reporting it to Equifax. Within these 5 months I have been disputing, I have n't gotten any positive help from the people working for Equifax. I have disputed : address changes, inquiries, derogatory items reported and public record reporting. They do not offer help, they offer discouraging words, the sorry I ca n't do, the sorry you ca n't do. They are in the business of refusing to help rather than helping. This is my second complaint. Equifax responded to my first complaint with an untrue statement, ( Company responded there is an unauthorized third party ). They use the statement as a stalling  device. During my disputes prior, they have sent me the same letter with this untrue statement. Every dispute or complaint I have submitted has my personal detail correctly documented on each form.