davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

Please note that this was placed on my credit in error. This should be removed from my credit profile immediately. XXXX XXXX XXXX has acknowledged that this should be deleted off of my credit profile. XXXX XXXX XXXX XXXX has since filed a UDF ( Universal Data Form ) with all the credit bureaus to have this removed from all XXXX of my credit profiles. Please have this removed immediately and forward me confirmation that this has been done. I have attached a print out of the email XXXX XXXX XXXX sent me to confirm that they have requested this deletion. Please see the contact information for the XXXX XXXX XXXX attorney that has been facilitating the correction below : XXXX 

XXXX XXXX XXXX XXXX, VA XXXX Toll Free : XXXX ext. XXXX Phone : XXXX ext. XXXX Cell : XXXX Fax : XXXX
Consumer complaint received 2016-08-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (GA)

Dear Consumer Financial Protection, Approximately around two months ago, I opened a checking account with SunTrust Bank in XXXX, GA. After shopping around, I decided to go with SunTrust as they had a good reputation and I like the products they offered. I opened a checking account and decided to get the SunTrust XXXX XXXX Debit Card. I was told that as long as I have deposits of at least {$2000.00} per month, I would not see any monthly services fees. I noticed fees in the past couple months from SunTrust. XXXX was a {$75.00} fee and the other was {$25.00} each. After questioning the bank, I had the {$25.00} fee refunded and was explained that the {$75.00} fee was a XXXX time fee for the XXXX Debit Card. A couple weeks later, I noticed another {$25.00} fee and when I went to the bank to question it, I was told that this was a maintenance fee because I have Signature Advantage Account which requires a daily balance of {$25000.00}. I was then informed that the Select Checking was the account that I should have gotten where the fees were waived for having the the {$2000.00} deposits per month. I was informed I would loose my XXXX Debit Card if I switched. I believe this to be unfair as I was n't told about these fees and the reason I chose SunTrust to begin with was the XXXX feature. I ask that the CFPB please advocate on my behalf so that SunTrust and I can come to an reasonable agreement.
Consumer complaint received 2015-10-16
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (AL)

I purchased my home XX/XX/XXXX. Property taxes were high XXXX {$1800.00} XXXX because no one had occupied the home for about a year. Last month, I noticed that my mortgage payment with Freedom Mortgage drastically increased for the XXXX billing period. It went from {$820.00} to {$1000.00}. They said it was from property taxes. They had based their escrow analysis on last year 's property taxes, which were much higher than they are this year because I filed for the homestead exemption XX/XX/XXXX. Property taxes for this year are {$830.00}. I called and they stated to fax in the estimated taxes for this year. I went to XXXX XXXX tax assessor 's office and they gave me a print-out of the estimate and I faxed it in. I called about 2 weeks later checking on the status ( on XXXX XXXX ). They stated that the estimate was " incomplete '', so it could not be processed, even though it had all the necessary information regarding my home and taxes. By that time I had received the actual property tax bill, so I sent in the bill along with the form from my tax assessor 's office stating that I had filed for homestead last year. I explained to the representative that the extra cost on my mortgage payment was placing a financial hardship on my family. The representative stated that she could have the escrow waved for XXXX and would have that tax information expedited in order to get my taxes corrected ASAP. She stated that I could pay my normal payment for XXXX, which was {$810.00}. She took my payment over the phone. XX/XX/XXXX I called to check on the status. The representative stated that she could not see where the tax dept received any of my information ( basically nothing had been done XXXX. She stated she looked up the bill on XXXX XXXX tax department 's website and would put that on file and make sure it got the the tax department. She stated that Freedom Mortgage could not accept my payment made XX/XX/XXXX as a full payment, that I needed to pay the remainder of {$210.00} today for my loan to be current or else I would incur late fees. I made the payment over the phone XX/XX/XXXX. She stated that I would more than likely have to pay the {$1000.00} in XXXX as well. She stated there was no way around it. My complaint is that this should have been taken care of the first time when I sent in the property tax information that came directly from my tax assessor 's office. This is the third time that property taxes have been sent to the tax department, the first 2 times were unsuccessful ; I am hoping the third time 's the charm. I can not afford the extra {$210.00} tacked on to my mortgage payment for an error/carelessness on THEIR side. Every time I call I just wonder if something is actually going to be done or if I am going to find out in 2 weeks that nothing was taken care of. They are probably prolonging this so they can get more money from me.
Consumer complaint received 2015-10-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

I 've supplied XXXX ( XXXX XXXX XXXX ), the furnisher, along with ( Experion ) ex and ( XXXX ) XXXX a copy of a written confirmation of the only account that I had with them is settled and closed, with no further balance since 2013. 
In the letter, was the account number, reps signature and phone number. 
CRA 's are reporting that I have XXXX accounts from XXXX creditor, which is wrong. 
I 've been challenging this for the past two years with no success. CRA 's maintained the furnisher is reporting correctly. 
I called the collections unit and spoke with XXXX XXXX ( the account rep handling my account @ XXXX ). She confirmed this was an error and did n't understand why they 're reporting improperly. She asked me to allow 30 to 45 days for adjustment. I received confirmation from ( XXXX ) XXXX the phantom-XXXX account is deleted. The other XXXX confirmed the ( phantom-XXXX ) account is reporting correctly. 
XXXX, sent results with the XXXX accounts separated : confirming the correct account number with {$0.00} balance and an invalid phone number. And confirmed ( the phantom-XXXX ) item, the same company ( XXXX ) with no contact number and different address. 
Experian simply states ( report # XXXX ) updated ( the phantom-XXXX ). 
when I called to get more clarity, they both told me, I had to provide proof I only have XXXX account with XXXX.
Consumer complaint received 2015-10-30
Product: Bank account or service — Savings account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

HiI received a notice that my account had fraudulent activity and they were issuing me a new card : see notes belowATM/debit card ending in XXXX XXXX XXXX, We 're letting you know your ATM/debit card may have been part of a compromise at an undisclosed merchant. This does n't mean that fraud has or will occur on your account. However, as a precaution, we issued you a new card that will arrive soon in a Bank of America ( R ) envelope with a XXXX, Delaware, return address. 
Please activate your new card as soon as you receive it. And, keep in mind : Your current debit card will deactivate on XXXX/XXXX/2015 or when your new card has been activated, whichever comes first - If you have an ATM-only card, it remains active until the deactivation date regardless of when you activate your new card Your PIN and checking or saving account numbers are unchanged. 
Your security is important to usAs always, your card comes with {$0.00} XXXX XXXX which means we 'll credit fraudulent charges made with your card back to your account as soon as the next business day, if promptly reported to us. 
Also, your new card now has new chip technology that provides stronger security when used at a chip-enabled terminal. For more information, visit bankofamerica.com/chipcardfacts. 
We 're continuously monitoring your card ; however, if you do notice any transactions you did n't make, please call us at XXXX. 
I have overdraft on my account and and i informed this back two days ago that I needed to make a large purchase today. They put a hold on the overdraft funds from my savings account and I ca n't also access my regular funds from savings. I verify the transaction to the fraud department and I was told by the fraud department to wait XXXX hours so that the hold will release. I was able to get out XXXX and needed to get out XXXX in total. I do not believe they have any justification to hold my funds nor apply it to my account if I have overdraft which I just took off my account today. XXXX the supervisor in customer service just helped me after I informed them I was making a complaint the XXXX. 

Kind Regards, XXXX
Consumer complaint received 2015-10-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

I was CLOSING my XXXX checking account in XXXX 2015. I accidentally overdrew the balance when I was trying to CLOSE the account. 
This overdraft AUTOMATICALLY triggered the opening of a {$500.00} overdraft protection loan account called a line of credit. I DID NOT NEED OR WANT this line of credit, but it was automatic, and very untimely.. I PAID the overdraft in full as well as the {$500.00} balance to close the line of credit. Instead of CLOSING the line of credit, XXXX kept it open. In XXXX, 2015, I spoke to XXXX XXXX, manager of the XXXX Bank at XXXX XXXX, XXXX, Tn, and he told me the line of credit was CLOSED. He is the BRANCH MANAGER. 
I now see the line of credit LISTED on my credit report. This is INCORRECT. IT IS A CLOSED ACCOUNT. It was a BANK ERROR on behalf of XXXX, and they asssure me that it is NOW corrected. PLEASE HELP! THANKS XXXX XXXX
Consumer complaint received 2015-12-03
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: GMA Investments, LLC (NM)

I had a credit card with XXXX who sold to XXXX XXXX. The limit was {$400.00}. They began charging a fee each month and all was fine with my payments until I was diagnosed with XXXX and had to go through surgeries and treatments. I got behind and filed my creditors with Consumer Credit Counseling, this credit would " not '' work with them and continued to charge me {$35.00} a month for late fees so now I owe like {$800.00}. I finally worked out an arrangement with them to take a payment each month to try and resolve this debt and they took two or three payments from my account. I planned on {$45.00} begin taken from my account on the 3rd or 4th payment but they attempted to charge me {$70.00} and I did not have enough money in my account to cover so the payment was returned. When I called them they said I agreed to pay {$70.00} after the 2nd or third payment, I do n't remember and I said I ca n't afford that, and asked for them to take less but they said no. Now they are saying that I wrote a bad check ( and I did n't ) and then they said I gave them fraudulent bank account information ( but I did not ) I called to speak with XXXX telling him that I was having problems and considering filing a Chapter XXXX and in the middle of this conversation a man got on the phone, said he was the manager and begin yelling at me and when I would n't bow down to him, he hung up. I continue to receive phone calls from XXXX, XXXX and now a recorded message from XXXX XXXX and they continue to say that I wrote a bad check of provided bad payment information and that this is illegal across state lines. The only thing that I am guilty of is not having enough money in my account to pay what they require I pay and for not being able to include them in a CCC plan payment.
Consumer complaint received 2015-07-31
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Altisource Portfolio Solutions, S.à r.l. (TN)

I have been a victim of identity theft. I had filed a previous complaint against the original creditor on XX/XX/XXXX with the CFPB. CFPB Case number : XXXX was the complaint against XXXX for an XXXX XXXX credit card, account ending in XXXX, that was charged after I had lost my wallet. 

On XX/XX/XXXX, I received a letter from XXXX stating:1. That this debt was discharged by XXXX. 
2. All Charges were removed. 
3. All credit reporting agencies will be notified to remove the account from my credit report. 

I have since been receiving collection letters from a Nationwide Credit , Inc. on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX attempting to collect on this debt. I assumed the first XXXX letters, even though they were one day apart in their creation, were so close to the date of the discharge that Nationwide Credit , Inc. had not been notified of the decision by XXXX. When I received the letter dated XX/XX/XXXX, I can only assume that Nationwide Credit is illegally collecting on this debt.
Consumer complaint received 2017-01-26
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NY)

Attending a Military school in XXXX can be costly, and at the time private loans were my only option into the school back in XX/XX/XXXX. I signed up with XXXX with a co-signer in XX/XX/XXXX when my financial aid could no longer aid me in returning back to school for the XX/XX/XXXX Fall semester. XXXX gladly help and thus i was able to resume my studies. By XX/XX/XXXX, I had to leave school due to being unable to join any arm forces due to a XXXX. I returned back home to XXXX and enrolled in a local school. By now, all my loans were being deferred since I was in school, only paying the bare min of the interest a month. I took a semester off in XX/XX/XXXX and planned to return in XX/XX/XXXX. After a 6 month period, XXXX hit me with my first repayment bill in XX/XX/XXXX. Only making min wage, I was unable to make the payments. No offer was made to me nor was I asked to fill out any form so that the monthly payments can be adjusted to my min. wage income. I had to ask for it and even then it was going no where. I was offered a 3 month period of total deferment. With interest climbing ever so high, all unaware to me. I was unable to take any more loans during that period and so returning to school was out of the question. I can honestly say, it has been a rough one year since XX/XX/XXXX with the over the top monthly charges. I was fortunate enough to get family support but it had to come at a price of struggling. XXXX, now Navient, never sought to accommodate to a adjustable monthly payment that would match my income at the time. I had just recently graduated college with a degree and on to further studies, manged to land a job at the hospital with a promising future. My biggest worry is XXXX unwillingness to accommodate to my income and therefore prevent me from moving on with my adult life. I have read many stories regarding XXXX loan borrowers and their struggles in repayment. I tried researching any legitimate repayment programs that can help but unfortunately private loans are not as easily helped as with federal. Thank you for your time.
Consumer complaint received 2015-07-30
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

When shopping with my daughter and friend for groceries, at check out my capitol one, gm card was refused to pay for groceries, Later when i called capitol one fraud center and spoke to XXXX ID # XXXX??? she said some groceries in XXXX were experiencing credit card fraud so they question all sales, My Complaint is if they are going to Arbitrarily discriminate XXXX groceries they need to inform card holders to stop the embarrisment at time of purchase.How can I cancell doing business with capitol one without effect my credit rating.
Consumer complaint received 2015-08-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivable Solutions, Inc. (SC)

This company has been continually calling my house and I do not owe any money to them. Someone will call now and just breathe or not say anything on the phone. I told them two years ago to stop calling. I had a XXXX and my medical bills were paid through insurance, so I want the daily calls to stop. They have called everyday for two years. The company 's name is receivable solutions.
Consumer complaint received 2015-05-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Trident Asset Management, L.L.C. (NC)

Now XXXX have I disputed these XXXX accounts ... I was the victim of identity theft and I have submitted the police report and decision letter by the Social Security Administration issuing me a new social security number to both XXXX and Trident Asset Mgmt. I 've exhausted Over 2 months with disputing these XXXX inaccurate records and they still have n't deleted the XXXX accounts from my credit report. I have provided all required by FCRA to show proof of identity theft from which I suffered. They have also blatantly lied to XXXX XXXX or XXXX has conceded without proper investigation into the inaccuracy of these accounts XXXX and reported that I had never directly communicated with them, and even ... that they had no contact information for me. I can provide mail from Trident Asset Management that verifies contact initiated by me and their response. Now this company is feigning lack of contact information for me. Their conduct is a direct violation of the FCRA and at this point I 've suffered irreparable harm as a direct result from the XXXX accounts remaining on my credit report. They have even defrauded CFPB by reporting that they had no contact information for me ... and further, that I had n't communicated with them directly.
Consumer complaint received 2015-05-17
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

TWO YEARS IN A ROW ALL THREE REPORTING AGENCIES HAVE GIVEN ME THE RUN AROUND ONLINE..TRANSUNION AND XXXX SAY I HAVE ALREADY RECEIVED MY FREE REPORT ( WHICH I HAVE NOT ) AND XXXX SAYING I HAVE TO MAIL IN MY REQUEST, WHICH IS BECAUSE NONE OF THE SECURITY ANSWERS WERE CORRECT ABOUT ME .. I HAD TO ANSWER " NONE OF THE ABOVE " TO ALL ANSWERS ... I BELEIVE ITS ALL ON PURPOSE BECAUSE WE CAN DISPUTE EVERYTHING ONLINE AND IF WE HAVE TO MAIL IN A REQUEST OR PAY FOR IT PEOPLE WILL NOT PROCEED WITH THE DISPUTES OR WE WILL HAVE TO PAY FOR THE REPORTS AND THEY CAN GET OUT OF GIVING US OUR REPORTS FREE AS PER FEDERAL LAW..
Consumer complaint received 2015-04-05
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I contacted my mortgage lender Bank of America to automatically withdrawal my house payment of {$4200.00} on XX/XX/XXXX from my XXXX checking account prior to my mortgage becoming 120 days late. I let them know I want to stay within the 120 minimum day rule, in accordance to the law, 12 C.F.R. Section 1204.41 ( f ) which became effective XX/XX/XXXX. I am making this complaint due the fact that nothing has come out of my account and nothing is pending. I am currently in review for a loan modification that they are stalling asking for documentation that is irrelevant in hopes to deny me. They are asking for me to show a deposit in my bank statements ( which they already have ) of a cash bonus that I received or a canceled check of that bonus, knowingly that is NOT possible when they have my bank statements during that time frame of receiving that bonus. Bank of America once AGAIN is trying to find ways of how to deny eligible applicants for a loan modification, struggling to keep their homes. I have been trying to get a loan modification since XX/XX/XXXX.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2015-04-07
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Platinum Holdings Group, LLC (TN)

Worldwide Asset Recovery out of California called me on Monday at my place of work. This place of work being a school at which I teach. They then proceeded to tell me they were calling to collect a debt for XXXX XXXX. I have not even had an account with them since XX/XX/2009. The man stated that I would be sued and have attorney fees of over {$2200.00} if I did not make a deal with him. He gave me the number XXXX to call him back after I talked to my spouse. He had my social security number, but did not have my right address. He said that I lived in XXXX, which I never have. Most of the information he had could have been found on social media or my school website. I am concerned, and I do not want to pay him. I have been scammed before. When I looked up the company and the number, I came up with spam complaints, harrassments, and a number with no traces. The company did not even have a validated website. They are also not validated/supported by the XXXX.
Consumer complaint received 2015-10-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

When I went to purchase a car at a dealership I gave specific instructions I would be financing the vehicle through XXXX XXXX XXXX. Without my permission the dealership shopped the loan at XXXX additional lenders on XXXX XXXX, so a total of XXXX hard inquiries were added to my Transunion Credit report.
Consumer complaint received 2015-11-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (IL)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank You
Consumer complaint received 2015-08-11
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: American Credit Acceptance, LLC (LA)

I have sent numerous requests for American Credit Acceptance to validate their alleged debt against me. They have willingly and knowingly continued to report to the credit bureaus. This is a violation of the Fair Credit Reporting Act. This invalid information has constituted defamation of character as the debt has prevented me from enjoying all the benefits of good credit.