davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC. (TN)

On   XXXX    XXXX   2017 , I used my debit card at a gas station around  XXXX . I then headed to work where I stayed until the evening. I have a signed document from my boss confirming my hours. My card was with me the entire time and can be proved since I used it a couple times while in the area. By about  XXXX  there was a " balance inquiry '' made at a random ATM on the other side of town which we know of bc we were charged a {$3.00} fee. By late afternoon/early evening there were  2 mone y orders taken out of our account for {$700.00} each and were picked up at the sam e location ( post office ). We have copies of the signed money orders ( 2 different signatures/names ). Our checking account was completely drained, we called Suntrust and they refunded us the {$1400.00}. We thought all was well. Then about a week later we received a letter saying they were t aking the money back. We were astonished and confused. For weeks they refused to tell us why. They said that the  " investigator '' re ported too many inconsistencies, whatever that means, and would n't give us any details on the investigation itself ( if they checked camera footage, etc ). I filed an appeal here and got denied again. Then they finally told us that apparently because they had my pin and I had a chip that it was next to impossible, and that its not really heard of. I have been doing research for a while now and have eith er found, read, or heard first hand stories of this happening. It 's called shimming. Suntrust did absolutely nothing to try and catch the people that did this and have put us in a situation where apparently we have to prove we are good people rather than do any actual investigating. {$1400.00} is nothing to a bank, but it was all we had. I have had a police investigator on the case and we also got a credit card at his recommendation so that we hopefully never have to deal with someone stealing our hard-earned tangible m  oney again. So here I am, appealing once again for someone to take more than 5 seconds to look at our case because chip reader and pin information are being stolen all the time. It 's not " rare '' an ymore.
Consumer complaint received 2016-08-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (OH)

I received a notice via USPS that I owed a debt for a past due electric bill of my daughter 's that I had cosigned for. I had paide the bill a few days earlier. called the company to ensure that they had the information that I had paid the debt as I had paid it a few days earlier. 
Calling the number ( XXXX ) on the correspondence, I got connected to a auto answering device that wanted to give me a survey about vacations. It started asking me questions. After answering a few, it told me I qualified for a free vacation cruise and only had to pay the port fees of {$59.00} ( I think ). I punched 0, zero, a couple of times and hung up. At no time did it give me an option to not take the survey or tell me the company I was trying to contact was closed for the day. ( My call was at XXXX EDT. ) This seems an obvious attempt to trick people into verifying a charge to their credit card or a charge of some other sort. Fraudulent to say the least.
Consumer complaint received 2017-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On or about XXXX XXXX, XXXX I disputed XXXX Account # XXXX in the amount of {$2400.00} with Transuinion and on or about XXXX XXXX XXXX Transunion notified me that they had removed the information from my credit report. In XXXX XXXX I checked to verify that said negative information was removed and confirmed it was indeed removed. 

On XXXX XXXX, XXXX I discovered a XXXX Account # XXXX with the same amount of {$2400.00} and same dates had been re-inserted into my credit file in XXXX XXXX. The credit reporting agencies, TransUnion included, are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please have them delete this item immediately. 

This appears to be nothing more than an attempt by XXXX to simply change the account number to circumvent the reinsertion clause that requires verification of the debt as again, no history or other information has been provided to validate the debt and TransUnion did not verify that before allowing reinsertion and has not provided that to me as required. 
I have also opened a dispute with TransUnion as well. TransUnion # XXXX Respectfully, XXXX XXXX XXXX
Consumer complaint received 2017-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (GA)

I have been calling, leaving messages, and, no one has contacted me back about my son getting credit for overdraft fees for amounts of {$8.00} but no morer than {$18.00}, he is suppose to get back this year for those overdraft fees charged @ {$34.00} each. Since Chase no longer wants to do business w/him, and is going to close his account out this year, I wanted him to get his credit back for incurred overdraft fees on his account.  <P/> I am asking that Chase give him his yearly overdraft fees credit back before they finalize his claim. Being, it has taken Chase 5 months to give him his direct payroll check deposit money back. Thanks.
Consumer complaint received 2017-05-30
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc (TX)

I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against? AD  ASTRA RECOVERY f or reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
Consumer complaint received 2016-04-07
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo mismanaged my escrow account. My home was purchased XXXX XXXX for {$280000.00} XXXX/XXXX/XXXX - Wells Fargo refunds from escrow {$1500.00}. Also drops the monthly payment from {$2000.00} to {$2000.00} ( - {$48.00} represents a 2.4 % reduction in payment ). 

XX/XX/XXXX - 5 months later Wells Fargo re-runs escrow analysis. They determine that my escrow account is now short {$1500.00}. They have forced me into a situation where I have XXXX options Option 1 : Come up with {$1500.00} in two months and raise my payment to {$2000.00} ( XXXX increase of 4.1 % ) Option 2 : Spread shortage over a year which results in a new payment of {$2200.00} ( + {$200.00} increase of 10.3 % ) Neither of these options work for me. I can not afford an increase to my payment of over 10 %, and I can not come up with the shortage in the amount of {$1500.00}. My family is a single income household of XXXX people. 

I do n't feel this is right given that I have a USDA 100 % financing fixed rate mortgage. My payment should not swing up 10 % in a given year. I took a USDA 100 % financing loan because I do not have a lot of extra cash just laying around to pay $ XXXX+ in a given time of year. I spent the refund that was given to me XXXX of last year on bills and XXXX. I think the amounts show that the escrow account was setup correctly at the time I purchased the home XX/XX/XXXX. The mortgage company received tax bills in XX/XX/XXXX, but must have been off of the prior assessed home value ( prior to my purchase ). Wells Fargo should have known something was incorrect given that the assessed home value reflected on the tax bills was {$30000.00} under the purchase price. Below is a chart taken from XXXX. 

Year Taxes Land Additions Total Assessment XXXX {$5000.00} {$70000.00} + {$210000.00} = {$280000.00} XXXX {$4400.00} {$60000.00} + {$190000.00} = {$250000.00} XXXX {$4500.00} {$50000.00} + {$190000.00} = {$240000.00}
Consumer complaint received 2016-06-23
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

On XXXX/XXXX/2016 I contacted my mortgage company to assess my options to address the unpaid balance for XXXX and XXXX. I completed all necessary paperwork request for underwriter to review. On XXXX/XXXX/2016, a third party person was sent by Wells Fargo to hand deliver to my home an envelope to ask me to call " Mortgage Company. '' The third party person entered my condo complex ( on the inside ) came up the stairs to my condo unit and hung on my door " The important '' Note. This scarred and frightened me that my mortgage company would hire a " thug. '' to come into my home. I was not at home, but when I came home I found envelope. The third party person did not leave their information. When I contacted the preservation specialist I had just spoken with 2 days earlier and completed all necessary paperwork, she could not give me the name of 'Third Party Person. '' All she could say is that they hard hired a " third party person '' to come to my home. Very very much afraid this person came into my home. My condo unit is shared by XXXX other person. My mortgage company put me and XXXX other people at risk of harm by some " third party person. '' I am very much afraid that they have done this to me. Please help as this does not seem accurate.
Consumer complaint received 2016-10-20
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (CA)

A year ago I purchased a bed from XXXX by setting up monthly payments with no interest for 18 months. Today I decided to pay off the remaining balance. When I went onto their website I noticed that they have been charging me a late fee of XXXX with interest for late payments every month. I have autopay!!. They said it was n't through their company but through my bank and my bank was n't paying it on time. WHAT??? I set up the autopay through XXXX 's online site. They basically said I was out of luck. More like out of XXXX of bogus charges. They did eventually credit me XXXX big deal. This credit card company is ripping people off and needs to be held accountable just like XXXX XXXX. Please look into this.
Consumer complaint received 2017-05-30
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

In  XXXX  I took out a second mortgage with HFC, a HSBC company and just recently it was transferred to a company I never heard of  XXXX ,  XXXX   XXXX   XXXX  ,  XXXX   .    I never looked closely before just made my monthly payments until recently and I noticed that my principal has hardly been reduced over these 10 years and I began to think that this is an abusive mortgage situation that I am involved in. I looked online and saw that in  XXXX  HSBC was sued over similar abusive mortgages. I would like to get relief and a fair situation for this mortgage from the companies now involved and previously.
Consumer complaint received 2016-08-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (TX)

I have received two notices from Transworld Systems regarding a debt from XXXX. I contacted XXXX at the phone number provided by Transworld Systems. The number listed was XXXX. There was no response from the other end. It just went silent after connecting. I contacted XXXX at XXXX and spoke with XXXX at XXXX. She and her supervisor, XXXX, could not find any outstanding debt. Also they could not determine the phone number provided by Transworld Systems as one of their phone numbers. I contacted Transworld Systems at XXXX and was disconnected before speaking with anyone. I need to get this fixed right away.
Consumer complaint received 2017-01-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Strategic Alliances, Inc. (TN)

I have asked for my number to be taken out, and to be removed after I explained to the debater I had set up to call back at a later date was told this is not how this works, told him to just take me off do not contact me, received another call a week later with another rude person.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NH)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2016-03-07
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (GA)

Chase wo n't close my account after I requested them to do so. Chase asked Security Questions that seemed to come from Googling A Chase credit card phone representative asked me all these ridiculous security questions that I did n't create. They asked me questions that they seemed to have may gotten through an internet people search. Because I sure did n't supply them with any of this strange info that they asked me. For example, 1. THEY gave me a relative 's name and asked what 's their birthday and how that person is related to me. Really! You 're GIVING me a family member 's name ... that I NEVER gave your company and THEIR birthday is a security question! 

2. They asked me what college I went to. ( I never gave Chase this information on what college I attended! ) Where are they even getting this information? Are they getting it from XXXX or random people search engines? Because I never gave them this info. 

3. They asked How long I lived at my current address. They asked me for past addresses. I never gave them past addresses. 

These are strange questions to be asked when you did n't set these up yourself as security questions. Its as almost as if they were Googling me. Security blocked my phone number and they hung up on me three times when I called back from a different number. Each time they hung up on me ... I was first transferred to security and they validated who I was first. Then put me on hold and hung up. The weird thing is that after I answered all of those questions with a rep, they told me I was n't myself and blocked my brand new never used card. I wanted to close it since it was so difficult to use and they would n't even let me close the card! They would n't even let me close the new " never used '' card that they would NOT let me use. Having a Chase card is terrible! I would not wish dealing with Chase on anyone. It 's not fair they they wo n't close my account after I asked them. I should not have to suffer with this being on my credit reports against my will.
Consumer complaint received 2016-04-19
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (AL)

I responded to a mail solicitation from Chase offering a balance transfer with a zero per cent interest rate. I applied and they issued a credit in my name within seconds. The problem is, they offered to transfer only part of my balance. I called immediately and told customer service that I did not want their offer and not to issue a card or open an account in my name. Within a couple of days I received in the mail a credit card. I also received a notice telling me that the account was closed. When I called customer service again I was told that I have a credit line of {$4000.00}. I did not want to transfer a balance from one card to another unless the transfer eliminated the original account. Now, they tell me that all this will be reflected on my credit report. It seems to me that this was a fraudulent offer designed to simply open a credit card account.
Consumer complaint received 2016-07-25
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (FL)

I have sent XXXX letters to each Credit Bureus and the only to reply finally after three months was Equifax .... and it was n't even with reports ... I have asked repeatedly to verify the information on my reports to no avail, I need for you to investigate why i am not receiving any reply
Consumer complaint received 2017-01-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (NY)

After calling Equifax on XX/XX/XXXX, I was told that a negative item ( charge-off ) with XXXX which has a balance XXXX ( PAID OFF ) was going to be deleted from my credit report in XX/XX/XXXX following the 7 years-rule for charge-offs deletion since my first day of delinquency was XX/XX/XXXX. Today, after speaking with Equifax again, I was told over the phone that this negative item will no longer be erased from my credit report in XX/XX/XXXX. Apparently, they reset the clock to XX/XX/XXXX because this negative was reported as paid off in XX/XX/XXXX. Moreover, the Equifax representative misled me into believing that the first day of delinquency was the starting date for the 7 years-rules for deletion of negative items. Everything was set for this item to be deleted but suddenly Equifax comes up with new rules. I, hereby, would like to please ask the Consumer Financial Protection Bureau to investigate my case requesting XXXX to honor their agreement with me.
Consumer complaint received 2016-12-06
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (LA)

On XX/XX/2016 we went in to look at new vehicles. When we found the one we wanted, we explained that if they could not find financing within the 1st bank hit on our credit and within the correct finance charges we were willing to pay, that we would return the following day with our own financing once our bank opened the following morning. When we went into the financing office, they notified us they hit our credit score 3 times. I was furious! We decided to just go ahead with it. When we were about to sign off on the car, we noticed the interest rate was XXXX points higher than we had agreed to pay. We thanked them for their time, and were about to walk out when they had to adjust the selling price to get us approved by the bank at the lower interest rate. The next day I checked my credit report and noticed they had XXXX hard hits on my credit. I contacted the dealership and they said there was nothing they could do that sometimes their computer just keeps searching until it finds a bank to finance it. None of this is what we originally agreed upon. I had financing I could 've received from my bank the following day during bank hours but with it being the end of the month, I think the dealership was trying to hurry to close the deal and searched anywhere they could that late at night to get the deal done. I need these hard inquiries taken off of my record, because I never authorized them to go through XXXX of the XXXX banks, I only authorized them to go through XXXX
Consumer complaint received 2016-07-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

This credit account is inaccurate because the late payments reported are incorrect. The late payments correspond to errors committed by XXXX XXXX BANK Account # XXXX unilaterally and incorrectly reported payment of my mortgage history, this error was subsequently corrected and mailed into all XXXX credit bureaus ; nevertheless the late payments continue to appear on my credit report. I am requesting that all late payment history is removed due to this inaccuracy.
Consumer complaint received 2016-12-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

We/our client have been unsuccessful in a loan modification process that we have been attempting since XXXX 2015. We have submitted each and every request to Bank of America to no avail. We have provided documentation each and every time it has been requested and can not seem to get confirmation of documentation ( because there is an active cease and desist on the file due to litigation ) along with opposing counsel continually requesting the same documentation over and over only to consider they are not forwarding to their client 's for review. Our translation of the guidelines support that we are to have a dedicated individual reviewing the documentation and open communication re : same. Litigation is still continuing and we are not getting anywhere with the review.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

Good XXXX, I looked at my credit report back on XX/XX/year> and realized that some things were incomplete and not accurate. I sent a letter asking them to reinvestigate these accounts below : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CA)

I have been trying for years to work with XXXX XXXX to have {$5000.00} that was forgiven because my school closed taken off my account. It was taken off my account for a short while back in XX/XX/2008 but then that amount was put back onto my private student loan without a reason, so I kept trying and trying to reach customer service and get this taken care of but I just kept getting transferred to different people who could not help me after I had been told that it would be forgiven. So I contacted the attorney general as well and I included that letter.