davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

It is my fault that my account became in overdrafted  XXXX   XXXX . I lost track of what had and had not been deducted.  The Charges Float and  transactions do n't appear for days -- making it difficult to estimate how accurate my online checking is. My account overdrafted, payment where returned/ denied. I transferred funds and payed the  $ 200+ in  fees for every specific over draft item on  XXXX   XXXX .     What I can not accept is when the company, without my authorization allowed other companies they rejected payments from to   Retry Pymts, which in effect created another {$200.00} in fees to stack up only a few days after bringing my account to balance. I would have closed my account if I thought something like this would happen.
Fifth Third Bank does not record charges and purchases on ATM or debit cards in the order they actually occurred, they allow charges to float for days, then reorder them to suit their overdraft system. The Charges Float and   transactions do n't appear fo  r days -- making it difficult to estimate how accurate my online checking is. Fifth Third Bank reorders the charges and purchases so that the largest charge or purchase is the first one paid by the bank, and uses the smaller ones to rack up overdraft fees of {$37.00} each.
They did this to me twice in less than a week. They over-use the Return Item/Overdraft, then allow indefinite Retry Pymts r  equests to be processed, even when its already in overdraft, stacking up fees of {$37.00} for each retry payment, which they allow without my authorization. They should limit the numbers of retrys.     I would prefer my account just be denied use if it is over-drafted. Its not just to charge an account that is already in over draft several times more there after. This company is close to charging {$400.00} in fees in less  than one w eek. I want to cancel my primary checking account.     Customer service informed me that I must keep my primary checking to deposit my pay-checks in a timely manner. I will switch all my charges to my express checking account, becaus e 5th 3rd customer s ervice has assured me that that account will not allow overdrafts, or overdraft fees to stack up like my current primary checking.     When I receive my next pay-check on Thursday  XXXX   XXXX    XXXX   I will deposit it into my account and let the cash sit in there for a couple days to catch the rest of these floating repayments. I will go through every third pay system and delete the primary checking account number.     I feel like the second + {$200.00} dollars in fees they have applied to me is unfair and unjust, especially because I had no control over authorizing the  Retry Pymts requ ests.
Consumer complaint received 2017-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I had a GA tax lien on my credit report since   X/2011  in th e amount of {$1400.00} that has been paid and satisfied.I requested for the lien to be removed from all  XXXX  credit bureau agencies . (   XXXX ,  XXXX  and TransUnion  ) b ut has not been done.The GA  State tax sa id they do not report to credit bureau and  XXXX  GA  Superior court s aid they do not also. I tried to pull my name up on   XXXX   XXXX   XXXX   but nothing comes up under my name so this is proof I have no outstanding state tax liens.   This is affecting m y credit score s ignificantly and I desperately need help getting this removed.
Consumer complaint received 2017-04-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I have been approved for a short sale  XXXX   XXXX ,  2017 and th e documents were submitted for approval but the offer was rejected and the listing contract had expired I submitted a third party authorization and changed real estate agents and submitted a higher offer. In the meantime the SS bank negotiator was aware of the change of the agent and new buyer and the documents were not submitted to get approved and he stated this morning that we were out of time. I do not want to loose my home to foreclosure when there is a sale on the table and active file.
Consumer complaint received 2017-04-24
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. (TX)

I have previously disputed the following inquiries on my credit report and TransUnion refuses to remove the following inquiries, even after providing proof that the inquiries were fraudulent.     I 've contacted  XXXX  and they are unable to find inquiries or reason why they put an inquiry on my report.     -  XXXX   XX/XX/16    -   XXXX    XX/XX/16
Consumer complaint received 2017-04-24
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: United Credit and Collections Inc. (LA)

I have a debt wit h United Credit Collections  in  XXXX   XXXX , MO from a broken lease and I am trying to get a paid in full letter from the collection agency once I pay the debt and they 're telling me that they are unable to email or fax the letter to me once the account is paid in full and that they can only mail it to me. And the representative that was initially handling my accoun t (   XXXX   XXXX   )  is so unprofessional and I had to call numerous times today  X/XX/2017    and he will not allow me to speak with anyone else and saying that he is the only one who can help me and I am trying to pay my debt today.
Consumer complaint received 2017-04-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (DE)

I have requested numerous time that I am having a hard time repaying my student loans. They refuse to assist me. When I make payment, the payment pends and goes directly to interest and barely nothing to the principal. I pay approx.  XXXX  a month to Navient every single month on time and hardly anything is being applied to the principal. My payment is on auto-debit to ensure the payment is made. I can not afford this payment however, I am trying my best so do not go into default. I have a sick father and children to feed.
Consumer complaint received 2017-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

I visited a Chase branch to discuss a credit card transfer and while I was there the banker mentioned the {$300.00} coupon they have for opening a checking account with direct deposit. So I agreed and spent the next hour opening up a checking and savings with the Chase banker.      After my  XXXX  direct deposit I waited a week and checked my statement to see if the {$300.00} had posted into my checking account yet.     It had not posted so I called up to the banker who opened my account to check the status. She got with the bra nch manager and t hey said they would get back to me the following day.     No one ever got back to me so I called back and talked to the branch manager and she mentioned she would contact the back office again.     After I never heard anything again after a few more days I went up to the branch to see if I could resolve the issue in person.     I was then told by the branch manager that there was nothing she cou ld do bc the ba ck office said even though it was the bankers mistake of not entering the coupon code correctly, I would not be able to get the {$300.00} I signed up for.     I immediately pulled all of my money out of my checking and savings account with Chase because I was furious and emotionally drained from all of the time spent opening an account/following up/closing my account.     And I find it hard to believe they do n't owe me my {$300.00} still.
Consumer complaint received 2017-04-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

XXXX   XXXX ,    2017, I we nt to the Santander branch to close my account. I withdrew my entire balance and requested the account be closed. The teller told me it was closed. I checked online and the account is still open. I sent an email on  XXXX   XXXX ,  2017 as king why the account was not closed. As of  XXXX   XXXX ,    2017, n o response. I sent another email asking if they are going to respond to me. On  XXXX   XXXX ,    2017, I  sent another email and told them I would be making a complaint with whatever agency was appropriate. I finally got a response after that at  XXXX   XXXX  ( 5 days after my initial request ). They told me they did not have my account information and to call them. I replied and gave them my account number as well as a phone number to reach me at. I also told them I would not call them as they have done nothing but lie to me during previous calls about other matters - which is why I cancelled the account. Also, I spent much time at the branch closing my account in person and I would not spend more hours on hold which has occurred every time I have contacted them. Since  XXXX   XXXX , I have sen t 5 m ore emails daily requesting a response and they have refused to respond to me.     Santander Bank refuses to close my account and presumably intends to charge me a service fee in  XXXX .     I want my account closed.
Consumer complaint received 2017-04-25
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: Experian Information Solutions Inc. (MI)

Went to rent an apartment and the company ran a credit report. On that report it showed that in    2014  I owed {$4000.00} plus dollars to a company called  XXXX   XXXX   XXXX   XXXX  in  XXXX   XXXX  MI. I have never lived in that area and during that time lost my identification and Social Security card. I believe this is a case of identity theft and need to resolve this issue in order to clean up my credit so I can rent an apartment in  XXXX   XXXX  MI.
Consumer complaint received 2017-04-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P. (FL)

Back around  XXXX  of  XXXX , I learned that I had an account with  XXXX   XXXX   XXXX     XXXX  for which {$300.00} was due. I understand that   XXXX   XXXX   placed the account for collection with  Credit Protection Associates. App arently, part of this collection effort included reporting it as a collection to several consumer credit reporting agencies.     I contacted   XXXX   XXXX   directly, explained I did not get any final bill or other notification, and paid   XXXX   XXXX   the {$300.00} they said was due.   XXXX   XXXX    said they could contact  CPA and in struct them to delete the tradelin e CPA had   previously reported, not just mark it as paid.     As of  XXXX   XXXX ,  XXXX , the tradeline is still being reported to the major credit bureaus, such as  XXXX  and  XXXX   XXXX . I have disputed this accoun t three times , requesting they delete it. Each time they have simply updated the report as paid, and as such it remains a negative on my credit as a collection. Moreover, neither dispute has resulted in the account being reported as disputed, which I am fairly certain the law requires.
Consumer complaint received 2018-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: FIFTH THIRD FINANCIAL CORPORATION (WA)

I am still having issues dealing with Fifth Third Bank credit card. After my XX/XX/2018 case filed with CFPB that was closed, Fifth Third Bank still have not refunded my other balance of {$2500.00} that was remaining charges that I am still waiting for refund. The balance increased as they keep adding interest charges and late fees. Now total of {$2900.00} as of XX/XX/2018. 

The charges was XXXX, transaction date XX/XX/2018. The transaction was suppose to be use for my XXXX XXXX   call XXXX. Which unfortunately a big fraud that was detected from Federal Trade Commission ( FTC ), the case information is : FTC MATTER/FILE NUMBER : XXXX XXXX CIVIL ACTION NUMBER : XXXX ENFORCEMENT TYPE : Federal Injunctions FEDERAL COURT : XXXX XXXX of Florida With the court case, there's a receiver that handles and keeping consumer like myself, posted with the news. 

XXXX XXXX XXXX " On XX/XX/2018, Judge XXXX entered a Preliminary Injunction, which I have posted on this website. Functionally, it operates the same as the XXXX, except that it continues in effect indefinitely. '' Obviously the bank have misinterpreted my charges and still put the charges back to my credit card and state I received services from XXXX through XX/XX/2018. Which the service was misleading and fraud found by FTC and the case is won, consumers like me are entitled for refund. 

At this point, FifthThird Bank mailed me a warning letter this month about making payments to them, or they will take further action of garnishing my pay. This causes XXXX, XXXX from the unwillingness and refusal from the bank to look deeper into something that FTC has helped us consumer won such an important case. 

Looking forward for help from CFPB. Thank you. 

Regards, XXXX XXXX
Consumer complaint received 2017-04-26
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. (GA)

I have been fighting with the  XXXX , Transunion and  XXXX  to remove an item off of my credit report that was paid by the actor  XXXX   XXXX  on  XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX   XXXX  I am attaching a printout of th  e ledger where it shows we had a huge credit balance.
No monies are owed and i would like this deleted off of my credit report unless they can show written documented proof that this money   is owed.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (FL)

Ive disputed with all three credit reporting agencies that the students loans with XXXX and Mohela are duplicate. They are also reporting that I was late, when I was always kept in forbearance. In my three reports there is no contact number for XXXX to dispute the late payments. Im frustrated with this issue as Ive tried to purchase a home and have been turned away due to low credit score. Im approved now however, there are 14 accounts that showed late payments which is affecting my score greatly! I was one of the students who was kept in Forbearance, the loans were removed for 8mths, and now they are back on. I dont understand? Ive struggled for over 15years with them.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates ; XX/XX/scrub>XXXX  I'm now requesting you investigate this account and update these payments to paid on time immediately. 
Thank you for your understanding and prompt action.
Consumer complaint received 2017-04-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (TX)

On  XXXX / XXXX /  XXXX   our current mortgage company Ditech Financial LLC violated the ACH terms and conditions we had agreed to by withdrawing  XXXX   XXXX   XXXX   XXXX    monthly mortgage payment on  XXXX / XXXX /  XXXX   INSTEAD OF  XXXX   XXXX  causing our financial bank account to overdraft and acquire a OVERDRAFT FEE of - {$30.00} on  XXXX / XXXX /  XXXX  . I immediately calle d Ditech and questione d them about this unauthorized transaction, terminated ACH service and demanded a refund of {$30.00} they asked me to provide a bank statement showing the transaction and so I did on  XXXX / XXXX /  XXXX  . And I have all receipts. On  XXXX / XXXX /  XXXX   I called  Ditech again to solve this issue I asked them to refund the {$30.00} they caused my bank to originate. The Ditech employee agreed and asked me if i wanted a check or a credit on our account i asked for a check and so she said it would be mailed to me in 15 days, after waiting and waiting I called Ditech  again and was told the same thing, but I did not received anything in the mail. As of  XXXX  this issue is still ongoing they are now refusing to refund me the - {$30.00} charge they caused my bank to charge me. Recently they even had the audacity to tell me that MY BANK PAID MY MORTGAGE ON  XXXX / XXXX /  XXXX  , my bank does not decide who and when to pay! Never heard of such thing. They took it out!
Consumer complaint received 2017-04-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Atlantic Credit & Finance, Inc. (FL)

I had a Line of Credit for {$20000.00} with   XXXX   of Florida and 5 years ago I stopped the monthly payments because I was renegotiating with them a Mortgage for my House. I   XXXX   XXXX   XXXX   I renegotiated the Mortgage and in   XXXX   of the same year I received a Law Suit from  Atlantic Credit and Special Finance Unit LLC t o collect the total amount of the Lines of Credit through its Attorneys   XXXX   XXXX   XXXX  . I answered the Law Suit saying I did n't have any  deb with Atlantic  and I had never received a Notification from Beneficial informing that my account had been sold.   Aft er one year they filed a Motion  to Mediation but they did n't give me the opportunity to choose the Mediator and did n't follow the Procedures of the  XXXX   XXXX  Court to go to Mediation. The day of the Mediation I attended the meeting but I told them that I wo n't participate because the irregularities they had done. At the beginning of this year there was a hearing in  XXXX ,  XXXX   XXXX   Court,  which was not attended personally by  XXXX  and the Judge accepted an Order to compel to mediation by   XXXX   XXXX   XXXX  .
Consumer complaint received 2017-04-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have been in foreclosure for a while and have tried to work with the bank on a few separate occasions. Last  XXXX  I went through the process with a customer service manager from Bank  of America n and tried a remodifcation. I kept giving them the information they requested, but would get a letter saying that I did not respond in time to the denied my request.     This past scenario, I got an auction sale letter by certified mail on  XXXX   XXXX  from a firm representing Bank  of America. I c alled the firm and asked how I can stop the sale and work with Ban k of America. T hey told me to work with my customer relation  manager  directly and they could assist and post-pone the sale. I immediately called to try to work it out again with BoA and was assigned a new  XXXX  to assist. Thats the thing with BoA, I can never actually speak to this person. They give me a name, and then when you call, they are never available and you have to work with the  XXXX  im on the line with and I never get to actually speak with the person who is responsible for my account.     Well I got the package form BoA along with the letter of what I needed to send them for the loan modification. I retrieved all of the files and faxed the info to them on   XXXX   XXXX  , for which I have a confirmation from MyFax services. I received a letter from BoA on  XXXX   XXXX  or  XXXX  about the extra materials they needed from me which included contacting my  XXXX  for details. This letter stated that any sales of the property would be put on hold until an answer was made in the application. It also stated I have 37 Days to complete the remodification.  Well  on   XXXX   XXXX  , the auctioneer showed up and sold my house. When I called the bank, they said there was nothing they could do at this point and to speak with their representation that handled the auction. Their representation says to talk to BoA. I am still within my 37 days and am trying HARD to make sure I do n't lose this house, but BoA is making difficult, almost on purpose it feels. I have  2 y oung kids and I am in a place now where I can make payments where I was n't when I got into the mess I am. I just want to make things right with BoA and start making payments and not lose my home.
Consumer complaint received 2017-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I have been a client for Bank of America for o ver four yea rs I have never been late on my payments. I have always paid before time and sometimes I pay more then what 's the statement show.     On the month of  XXXX    XXXX   they allowed my credit line to be over  XXXX  without my permission or prior authorization.     But nevertheless the bill was {$930.00} and I paid {$950.00}. When I pay my bill it was on  XXXX   XXXX  because the last transaction that I used was on  XXXX   XXXX . And the total transactions at the closing date of the  six wa s {$930.00} They did an adjustment to the credit for {$39.00} and they call that annual fee that was built on  XXXX    XXXX  . But I did notsee that on my online statement when I paid the bill.     I called Bank of America a representative was very cooperative and they assured me that it will be taken care of and they will take it out my credit report. Call was made on  XXXX   XXXX    XXXX   I received a letter on  XXXX   XXXX  stating that the 30 days was valid and they can not change it. After I was being assured that it will be handled and taken out of my record.     Thanks
Consumer complaint received 2017-04-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jason A Craig, PC (GA)

XXXX   XXXX   XXXX   XXXX , GA  XXXX  (  XXXX   )   XXXX  4819 Reporting  to credi  XXXX / XXXX / 2017 . Negative impact to my credit by  JC & Assoc.      I requested validity of debt, including signatures, medical records , HIPAA fo r, to release information to this company and valid contracts  XXXX /2017. I have not received a response.