davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: SUNTRUST BANKS, INC. (FL)

I purchased a car   XXXX   XXXX   XXXX   on  XX/XX/XXXX  from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . Unbeknown to me a the time,  XXXX  transferred my car loan to  Suntrust  Bank. After quite a few problems with the car, I decided to trade in my car and purchase an  XXXX  ( more reliable car ) from   XXXX   XXXX   XXXX   XXXX   XXXX   in    XXXX   XXXX   , and offered my  XXXX  ( loan held wit h Suntrust )   as a trade in.  XXXX  contacted  Suntrust Ba nk twice to enquire payoff amount on the SLK ( on t he day I thoug ht of trading in the car and the actual day of the trade in ( which is weeks apart )  XXXX   was to ld by  Suntrust that the p ayoff amount was {$25000.00}.  XXXX  paid the amount requested fro m Sunt  rust Bank and Suntrust Bank filed a lien satisfa ction to  XXXX  for the  XXXX .  Suntrust Bank later co ntacted  XXXX  and outright lied stating that they did not say {$25000.00} they said {$35000.00}.  XXXX   XXXX   XXXX   XXXX , told  Suntrust Bank  that was NOT the amount they stated and advised Suntrust Bank to listen to their voice recording and not to tamper with the recording ... or else.  Suntrust Bank later g ot back to  XXXX  and told  XXXX  that they DID, indeed, said the payoff amount was {$25000.00} . Suntrust Bank  then contacted me for {$10000.00} which I knew I did not owe as I only had the SLK for under 24 months, not 72 months, and  XXXX  had already paid the payoff amount requested by  Suntrust Bank an d my obligation was satisfied. The only amount owed by me was to  XXXX  for the  XXXX .  Suntrust Bank th en filed a lawsuit against me for the {$10000.00} and after realizing they had a " losing case, '' as I had all the pro of. Suntrust Bank requested a v oluntary dismissal from my attorney. This dismissal took place on   XXXX   XXXX   XXXX  . However, since that time  Suntrust Bank has r efused to remove my name from the major credit reporting agencies which has damaged the excellent credit rating I had prior to  Suntr  ust Bank incompetence. Suntrust Bank also sent me a  Cancellation of Debt (  XXXX  ) for the {$10000.00}, and I paid the taxes to avoid any problems with the IRS.  Suntrust Bank is an inept, inco mpetent, repulsive bank with numerous amount of online customer complaints which proves just how unfit this bank really is.
Consumer complaint received 2017-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

On  XXXX   XXXX ,  XXXX  I received a letter from  Chase Business Card Services indicating  the bank closed my Chase Business Ink credit card account. see attached letter.     I contacted the bank on  XXXX   XXXX ,  XXXX  to inquire about the closure and requested account reinstatement. After going over financial as well as credit review, the associate advised that he submitted request for reinstatement.     On  XXXX   XXXX ,  XXXX , I received a phone call from representative  XXXX  from  Cardmember Services f rom  XXXX  AZ advising that upon review of the request, she was unable to   reopen the account due to 2 reasons.
1. Accounts on Credit report have not been open long enough.
2. Number of accounts on credit bureau.
I have had this Chase Ink accou  nt since  XXXX   XXXX . I always maintained a good history with this card as well as other credit cards that I have, personal and business.     I would like this matter to be reviewed on  the executive level and reinstate my account. The reasons the bank is using are vague and does not apply to me what so ever.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? 
I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Certified Bureau of the South, Inc (LA)

I believe I have been a victim of identity theft and I attempted to dispute this information with the  XXXX  credit bureau. The items I have disputed do not relate to any transactions that I made or authorized. Pursuant of the FCRA and the FDCPA, I now exercise my lawful right to question the validity of these debts your agency claims I owe. I understand the collection agency is suppose to suspend all collection activity until they provide me with some info abut this debt. Through my dispute with   XXXX   they claimed this account was proven as valid and remain on my credit report without providing me with any information about the debt such as an original bill or something with my unique signature on it. I dont believe   XXXX   is truly investigating these disputes and are playing with consumers ability to obtain credit. I am just now realizing the importance of credit which is why I am just now going over my credit report and for these companies to play with consumers livelihood like they are doing is just not right. The information that I am concerned about is as follows ; Collection agency : Certified Bureau of So Col Original Creditor :  XXXX   XXXX    XXXX   XXXX   Opened :  XXXX   XXXX ,   XXXX   Balance : {$230.00} Collection Agency : Certified Bureau of So Col Original Creditor :  XXXX   XXXX   XXXX   XXXX   XXXX  e Opened :  XXXX   XXXX ,   XXXX   Balance : {$83.00}
Consumer complaint received 2017-04-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On  XXXX   XXXX ,   XXXX   I deposited  5 checks to my account through the ATM at Bank of America. Three chec ks were issued by   XXXX   XXXX   XXXX  . The check in question was for {$2400.00}. At the time of deposit, my account was credited the amount of all  5 ch ecks.   On  XXXX   XXXX  Janus was presented wi th 2 of the 3 chec ks and paid.      XXXX  was not presented with the  3rd c heck until  XXXX   XXXX , which there records show they paid at that time.     On  XXXX   XXXX ,   XXXX   my account was depited for {$2400.00} with the explaination that when Bank of America attempted to negotiate the check with  XXXX   XXXX  that the check was not paid.     On  XXXX   XXXX  I reached out to   XXXX   XXXX   XXXX   XXXX  who told me the check was paid on  XXXX   XXXX . I requested they do more research, which they did.     Janus  XXXX   XXXX  states, the check was presented to them twice by Bank of America. Once on  XXXX   XXXX  and a second time on  XXXX   XXXX .  XXXX  states, they paid the check the first time it was presented but not the second because it had already been paid.     Although Bank of America presented the check twice they only credited my account once. On  XXXX   XXXX ,   XXXX   they debited my account {$2400.00}.      XXXX  facilitated a confernce call with Bank of America, a  XXXX  Representative, and myself to explain the check was presented twice to  XXXX .     I have spoken with  13 represe ntatives of Bank of America and one representative of  XXXX   XXXX   XXXX .     Bank of America has refused to credit my account back and leaving me in the negative {$2400.00}.     Please help me
Consumer complaint received 2017-04-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc. (FL)

After viewing a copy of my  credit report, I noticed a collection account placed on my credit report from Online Information Services  on  XXXX   XXXX ,    2013  for {$190.00} I am requesting that you let me validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name, and hospital/medical provider to which I owe the debt, and a detailed breakdown of th  e fees that I allegedly owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act { HIPAA }, to protect my privacy and medical records from third parties. I did not give my permission to any of my current or prior medical providers to release my medical information to a third party.
I am aware that the HIPAA does allow the release of limited information about me but anything more is only to be revealed with patient authorization. Therefor, my request is twofold-validation of debt and HIPAA authorization.
Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my identification used upon service and my signature with the provider of service to release my i   nformation to your company Online Information Services Cease any Credit Bureau until this debt has been validated by me.
Consumer complaint received 2017-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MI)

XX/XX/XXXX  I have been working with Resurgent Capital Services (  XXXX   )  for months to obtain detail on a debt improperly sold to them by  XXXX   XXXX . Despite  XXXX  's refusal to discuss details of an account sold to an external collector, I was able to escalate the matter to several supervisors and a Department  XXXX  in  XXXX  's  XXXX  Department. I was able to ascertain the debt was assessed due to an improper billing of usage fees and an early termination fee  (  ETF ). Both were waived and the account was settled at or around  XXXX  of  XXXX .  XXXX  did not update their system and sold the account to a debt collector without proper notification. I had to research this on my own because, despite promises to do so,  XXXX  has not.     Resurgent claims to have initiated an investigation into the matter upon my request, but cited little more than having a  XXXX  billing statement as definitive proof that I owed the debt. This is categorically false : it is proof of  XXXX  's claim, not proof of the debt. Resurgent refuses to discuss the details of their " investigation '' beyond that. I asked for the  XXXX  customer service call logs and service records to be reviewed and discussed. I maintain that verbal discussions and agreements were reached with  XXXX , prior to the sale of the debt, that resulted in a zero balance owed. I have verified that the details of these agreements are retained by  XXXX . I also requested  Resurgent o btain copies of such detail along with records of service interruptions, dropped calls, and complaints from other customers to substantiate my claim that I was billed for services not provided and violations of the  XXXX   XXXX   XXXX  agreement with  XXXX . This information exists and is available to  Resurgent.      Due to the lack of ethical pursuit of debt validation, and the verbal agreements reached with  XXXX   XXXX , I am looking to immediately remove the falsely reported collection from my credit report as Resurgent does not possess the necessary evidence to support their debt claim under the Fair Credit Reporting Act and has not complied with the requests for information substantiating their false claim of debt. I have initiated reviews with all three credit reporting agencies as well.
Consumer complaint received 2017-04-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MO)

In  XXXX  My husband consolidated our student loans who were w ith   XXXX   XXXX    now sold to Navient.. At the time we secured the loans we were charged 9 % interest. So on  XXXX / XXXX / XXXX  we began paying extra on our loan to apply to the principle since it was taking so long to pay off. in  XXXX  of  XXXX  I found that none of your extra payment were applied to principle. When I inquired I was told that if there was still interest due nothing would be applied toward interest until interest was pay off. In addition since we were about to retire we looked into the public service forgiveness program. We both worked in the fields required for this program. My husband fo r the City o f  XXXX   XXXX  and I worked as a  XXXX   XXXX . We filed the necessary paper work had it approved by our employers and submitted it to Navient. in  XXXX   XXXX  we both received letters fro m Navient stating that we did not qualify for the forgiveness program with no explanation why. I then called Navient and was told that Stafford loans did not qualify for the program. We have paid on this consolidated loan for many years and am convinced we have repaid the actual amount many times over.
Consumer complaint received 2017-04-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Santander Consumer USA Holdings Inc. (NC)

I bought a car in  XXXX   XXXX  from  XXXX  at  XXXX   XXXX   XXXX ,   XXXX   and w as approved by Santander consumer USA. Inc. for financing. After I bought the car but before reg istering the car in  XXXX  county,   XXXX   I relocated to  XXXX   XXXX ,  XXXX . I was informed by  XXXX  Dept. motor vehicle. I could not register the car in  XXXX  without proof of permanent residence. The end date for the temporary tag issued by  XXXX  ended my wife was stopped by law enforcement. My wife called the dealership to explain we did not have a permanent address to register the car. The business office informed my wife the temporary tag would be good for as long as we did not have a permanent address just to provide our bill of sale to law enforcement to prove we owned the car and that it was insured. Bottom l ine is Santander Consumer USA INC. rescind ed the financing for the car without any prior notice to me. I did not become aware of their actions until a recovery agent called me on behalf of  XXXX  on  XXXX   XXXX ,  XXXX . I am unable to get alternate financing. The agreement I had with  Santander w as in good standing the company had accepted every payment from  XXXX   XXXX  to  XXXX   XXXX . At no time did either   XXXX   XXXX   no r Santander advise me that if I did not register this car with a motor vehicle department that they would rescind the financing. I believed that since I was making payments on time that everything was in orde r.
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have contacted  XXXX  via phone and the internet to request that you remove the following unauthorized inquiries from my credit report :   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   ( 7 ) Various Dates So you explain to me that this inquiries are factual in which  they are not. I have attached a copy of the letter that I have sent directly to the creditor disputing their reporting.       I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time.     I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Consumer complaint received 2017-04-26
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Reverse Mortgage Solutions, Inc. (CA)

I am 77 years of age. My wife passed away in  XXXX . I attempted to assume and become the qualified surviving spouse of a reverse mortgage obtained by my late wife on our residential real property through Reverse Mortgage Solutio ns ( RMS ).   I w as told that in order to assume the reverse mortgage I would have to provide certain information and documents, including my marriage certificate, my wife 's death certifi  cate, my identification ( drivers license and social security card ), and a copy of the probate Court Order awarding the residence to me.
Although the Court hearing awarding me the proper  ty was held on  XXXX   XXXX ,  XXXX , the Court Order signed by the Judge, awarding me the property, was not signed or entered by the Court until  XXXX   XXXX ,  XXXX . When I  obtained the court Order and provided it to RMS, I was advised that it was too late and RMS had sc heduled the foreclosure sale of the property for  XXXX   XXXX ,  XXXX .     During my dealing  with RMS, none of their representatives ever advised me any deadlines to produce the documents. After being advised that we could appeal this decision, I had my attorney submit an " appeal '' letter, which we were later advised was a " waste of time '' inasmuch as RMS would not reverse its decision that I was ineligible due to missing the deadline to provide the documents mentioned above. My attorney as written a letter to RMS a nd  XXXX   XXXX   XXXX . to try to get relief before my house is sold on  XXXX   XXXX ,  XXXX .
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I AM A VICTIM OF IDENTITY THEFT. MY PURSE WAS STOLEN CONTAINING MY ID ALONGWITH SOCIAL SECURITY CARD AND OTHER PERSONALS. THERE IS AN ADDRESS  XXXX    XXXX   XXXX   XXXX  ,  XXXX   XXXX ,  XXXX ,  XXXX  LISTED ON MY CREIT REPORT. I HAVE NEVER LIVED AT THIS ADDRESS. MY ADDRESS IS  XXXX    XXXX   XXXX   XXXX  ,  XXXX   XXXX ,  XXXX ,  XXXX  AND MY ADDRESS PRIOR WAS  XXXX   XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX . I STARTED RECEIVING COLLECTION LETTERS TO MY HOME AND HAVE TRIED ON COUNTLESS OCCASIONS TO DISPUTE THE INACCURAICES WITH NO RESOLUTION. THIS IS RUINING MY LIFE AS WELL AS MY REPUTATION. I CALLED EQUIFAX,  XXXX  &  XXXX  AND WAS ADVISED I NEEDED TO SEND IN A COPY OF A POLICE REPORT AND ANY ACCOUNTS ASSOCIATED WITH THIS ADDRESS WOULD BE REMOVED. I HAVE DONE THIS. I HAVE SENT MY FAX TO EQUIFAX  XXXX ,  XXXX   XXXX   XXXX  ALREADY. I UPLOADED REPORT TO  XXXX  AT  XXXX . I AM BEING TOLD I NEED TO SEND IN A WHOLE DIFFERENT POLICE REPORT EACH TIME. I AM NOT UNDERSTANDING WHY. I HAVE DONE ANY AN EVERYTHING I HAVE BEEN TOLD TO GET THIS RECTIFIED. I EVEN HAVE THE FRAUD ALERT ON MY REPORT THROUGH ALL THE BUREAUS. THIS IS REALLY INCONVENIENT AND THIS IS CAUSING ME DISTRESS. I WOULD HATE TO HAVE TO GET MY LAWYER INVOLVED AT THIS POINT. I AM LOOKING TO PURCHASE A HOME BUT I CAN NOT DO THAT WITH ALL THESE INACCURATE DATA REPORTING.
Consumer complaint received 2017-04-26
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Accounts, LLC (GA)

This company has been harassing me since  XXXX   XXXX . I told them not to call any more. I several more calls but blocked the number. I got a call from a friend of mine they had called her on  XXXX   XXXX  looking for me. On  XXXX   XXXX  I got a call from m y Dad tha t they had called him looking for me. On  XXXX   XXXX  I received a call at my job from them telling me I had to pay it then. I told them they had harrased my friends and family and now calling my work after I told them to stop. On  XXXX   XXXX  I got another call from them at my job. I told them I have told you to quit calling me. The man on the phone said well you have not told me. Seriously. Then he berated me, I hung up.
Consumer complaint received 2017-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (GA)

On  XXXX   XXXX ,    2017, I completed a balance transfer using a promotional check sent to me via mail by Discover. I  receive them all the time but never took advantage of one until now. I transferred my balance and made my first payment. After realizing that the payment was higher than it should have been I contacte d Discover. O n  XXXX   XXXX ,  2017 , I spoke with  XXXX  in the Ohio location. After placing me on hold for several minutes she found that the reason I was charged additional was because the check processed was allegedly for a regu lar cash advance only a nd not the promotional offer. She said that they place  two  types of checks in the envelope-both  cash advance and bala nce transfer. I explained to her that this is misleading and confusing to a consumer for them to place both types of offers into the checks. I am sure that several others have made the alleged mistake that I have made before if they were not careful. I asked  XXXX  what could be done to resolve and she said that there is nothing that can be done. After almost 8 years with this company, I will be transferring my balance to a legitimate, ethical company ( i.e. my personal bank or  XXXX   XXXX  ) and closing out this car d. Discover 's practices a re deceptive and I feel so disgusted that they would take advantage of me in this way.
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Ive Been trying to resolve the multiple duplicate negative student loan accounts on my credit report. The credit bureaus are neglecting to verify my account properly. If they can not verify or determine which ones are duplicate or original. I am requesting that all be deleted.