davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SUNTRUST BANKS, INC. (GA)

( Orig. claim # : XXXX ) I spoke with a lawyer on XX/XX/XXXX to help further my ability to recoup my lost/missing/stolen SunTrust checking account funds. While the missing funds may well be a banking error, I lawyer advised that the funds could be missing due to bank theft, and that since this is my first experience with possible financial crime, so I did not realize that this would need to be a criminal report, not a fraud report ( as originally filed w/ the police about 2 weeks ago ). The lawyer advised that I contact the XXXX Police Department again and amend my incident report from " fraud '' to " theft by taking, '' since Suntrust can not explain the discrepancy as to why the account balance is {$1500.00} less than it should be and note that this is a breach of their contractual duty and failure to perform. '' I named SunTrust XXXX XXXX Branch Manager XXXX ( located at 1 XXXX XXXX XXXX XXXX, XXXX, GA XXXX, tel : ( XXXX ) XXXX ) as the representative of SunTrust. ( Ms. XXXX XXXX reviewed my checkbook register which covers the time period from XX/XX/XXXX - XX/XX/XXXX and did not note any errors in my calculations. ) Today ( XX/XX/XXXX ), on the lawyer 's advice, I  will be filing a claim in XXXX County Small Claims courtmy first and hopefully my last. I am newly retired and extremely cautious with my money, which is why Im fighting tooth and nail to get it back from SunTrust, who has been incautious with it and caused me extreme duress on top of the stress of living without my money which has required dipping into an emergency fund.
Consumer complaint received 2018-03-09
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: Santander Consumer USA Holdings Inc. (TX)

XX/XX/XXXX - I sent notification of dispute by mail to XXXX XXXX  and did not receive a response. I will include a copy of the signed receipt of the certified letter. 
XX/XX/XXXX - I sent disputes directly to all three credit bureaus regarding the item. XXXX, XXXX and XXXX. 
XX/XX/XXXX - I received fraudulent documents from XXXX XXXX  with a signature that does not belong to me and XXXX XXXX  transferred the debit to a collection agency - XXXX XXXX XXXX, who is now reporting the item. 
XX/XX/XXXX - I sent a dispute by mail to XXXX XXXX XXXX regarding the fraudulent item.
Consumer complaint received 2018-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (ME)

On XX/XX/18, around XXXX Eastern, I deposited a check in the amount of {$250.00} into my Ally bank checking account. Because of an overdraft issue in the past, the hold for a new deposit into my checking account lasts for five days. Previously, in correspondence with the bank, I was told the way to avoid this in the future would be to deposit the check into my savings account, which was not subject to that hold, and simply move the money into my checking. This is what I planned to do with this check, but simply made a clerical error in the deposit. As such, I called the bank to correct this error and move the check into the other account, where the hold would not apply. 

Calling at XXXX Eastern, I first talked with an associate and then a supervisor who informed me that the deposit had already been approved for the checking account and could not be moved. Both told me, in identical language, that Ally would be restricted from releasing the hold by federal law. I believe this is a lie and a gross representation of the Expedited Funds Availability Act, which simply *allows* Ally to place an extended hold because of prior overdrafts, but certainly does not mandate it. The supervisor told me to all back in the morning, and progress might be made once the check could be seen in the system. 

I called again at XXXX Eastern. Talking with an associate, I was told that there was no one, at any level of the bank, who would have the power to release the hold. I explained again that this was a simple clerical error, that if the check had been deposited into my other account, the funds would have already been made available. He repeated his claim that no one at the bank has the ability to release it. I again escalated the call to a supervisor, who repeated the lie that Ally could not release the hold without violating Federal law. She refused to fix the issue and multiple times denied that there was any way to escalate a claim beyond her. After minutes of probing, I was finally told that the claim could be escalated to an executive resolution team and I requested that be done. This process can take up to three business days, at which point the issue may very well be moot, as funds will be available the next day. 

The inability to access these funds is the difference between eating and not, and being evicted or not. Also, an automated payment has now hit the account, and I have been informed by Ally that I am once again in overdraft, despite the fact that the {$250.00} sits in my account approved but " unavailable ''.
Consumer complaint received 2018-03-09
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. (OH)

I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX XXXX report and other furnished XXXX XXXX regrading all personal information of mine. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. My information is currently XXXX XXXX XXXX XXXX XXXX My current legal name XXXX A please remove/ delete all variations they are incorrect. 
This is the second time I have contacted XXXX XXXX, Trans Union, XXXX, XXXX   regarding the following information below. I am requesting that you promptly delete these addresses I do not believe a proper investigation was done from my file through your office.
Consumer complaint received 2018-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CO)

After the Equifax data breach was announced in XXXX of 2018, I have frozen my credit information with the four credit credit reporting agencies. 

Equifax has a web portal that will permit uses to freeze and unfeeze their credit report. 

In the first week of XXXX, I was buying a car and found that I was unable to access the web portal. It gave me a phone number to call. While they were able to help unfreeze my credit, they were unable to help with the web portal. They said someone would get back to me in 10 business days. It is now the middle of XXXX and still no luck with Equifax. 

The timeline : XX/XX/XXXX, notified Equifax of the issue. 
XX/XX/XXXX, I called Equifax as no one had called back. They said be patient. 
XX/XX/XXXX, called and spoke at length with someone who said it was my fault. 
XX/XX/XXXX, asked Equifax to have a supervisor look into the issue XX/XX/XXXX, a supervisor called and said she didn't know what the hold up was and escalated my issue again. 
XX/XX/XXXX, a supervisor said someone would get in touch with me in ten business days XX/XX/XXXX, I again asked Equifax to have a manager or supervisor get back in touch with me XX/XX/XXXX, a supervisor called and said he would escalate my issue again. 
XX/XX/XXXX, I again ask Equifax to have a manager or supervisor get in touch with me XXXX XXXX, the same man, XXXX, from XX/XX/XXXX called to ask what I wanted. 

Still, no resolution. 

Help. If I could, I wouldn't do business with company, but I have no choice. I hope someone can help me.
Consumer complaint received 2018-03-09
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. (PA)

XXXX XXXX XXXX to fraud had an XXXX ACCOUNT opened in my name. After i closed my 1st account I made a payment before it went to collections. I provided proof of fraud activity of the 2nd account because it was NOT mine. I sent documents of me reaching out to the Credit Bureaus, XXXX and XXXX XXXX. XXXX   XXXX  removed the collection since I shown proof the account was NOT mine. I provided the Credit bureaus proof of the removal and XXXX, XXXX & Equifax removed the collection. A month later XXXX added the account back on my report with out prior notification. They just keep saying account verified. But they only provided a bill NOT a contract, or any letter stating that they will be adding the fraud account back on my report. The total amount of the collection is {$560.00} from 2015. I have sent numerous letters and made numerous calls to all 3 places, XXXX, Equifax and XXXX this is a direct violation of FCRA and it needs to be removed as soon as possible. Thanks in advance.
Consumer complaint received 2018-07-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (NY)

On XX/XX/2017, I saw that someone had made an unauthorized money transfer from my account in the amount of {$5000.00}, and that Citibank had charged me a {$25.00} fee for the transfer. I did not authorize or give permission for anyone to transfer money from my account. I complained to the bank by phone and in person about a week later. I filed a police report on XX/XX/2017, and on XX/XX/2017, I completed an affidavit of unauthorized wire transfer that Citibank sent to me and returned it to them. 

I also complained to XXXX  XXXX XXXX, which was the bank the money was transferred to. XXXX XXXX XXXX did an investigation and told me the name of the person the money was transferred to. I do not know the person it was transferred to and have nothing to do with him. XXXX  XXXX XXXX also told me that it found evidence of fraud. 

Citibank denied my dispute of the transfer, saying that the transfer was not fraudulent, but did not give any reasons for its decision. I appealed the decision, but my appeal was also denied.
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

We moved from XXXX  to XXXX in XX/XX/2017, paid off our utilities, changed addresses, etc. It turns out that XXXX XXXX  XXXX, in XXXX had not finalized their billing and sent notices to our former address, claiming {$240.00}. It caught up to us when a collection agency came after us. We asked for evidence which they never provided in an intelligible format. Attempts to communicate with them was like speaking to 3 year olds. We finally sent them {$100.00} to get them to stop harassing us as payment in full. They accepted the money then sent our case to Experian who quickly dropped our credit score by over 100 points. 
We contacted Experian and they said they automatically believe collection agencies. Not consumers. We called XXXX and they told us how they had arrived at the numbers and we agreed to pay. When prodded, though, they said it was not up to them to remove any negative remarks on Experian, it was up to Experian. We called Experian and they said that was not true. It is up to XXXX. 
We are willing to pay XXXX but if neither party takes responsibility for removing negative comments on our credit to restore it ( It is still close to XXXX on bpoth XXXX  and XXXX ), then why should we? 
Can you help us navigate through this nonsense and get the parties to agree to clean up our credit if we pay the {$140.00}.? 
Thank you CASE AT EXPERIAN is Report Number : XXXX
Consumer complaint received 2018-07-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

We have paid our monthly payments flawlessly on time for nearly 16 years on a 20 yr loan. Recently, XXXX and XXXX of 2018, we paid our regular monthly payment one day early. Our payment was applied to " additional principal '', and the regular payment ( as stated on our receipt ) was listed as unpaid. This happened two months in a row, and we had no idea that it was happening until later. 
Just before this, we were late on our county taxes, and in spite of our negotiating with the county about a form that we had filed to check the amount of our taxes, finding that they had indeed over charged us for several years about 30 %, Chase bank stepped in and paid back taxes, and half of the upcoming year taxes. They then asked us to make payments ( amount due divided by 12 months ) to them for the back taxes in an Escrow account that they set up for that purpose. They did that same thing when we began to pay down the escrow amount ( as shown on receipt ), putting that down as " additional principal '', and claiming we had defaulted on the payment schedule. At this point, we have paid all of our regular payments on time, and 2/3 of the back taxes, and are current on taxes now. Chase has backed off on some demands, apologizing for their mistakes, and saying that they will issue another " escrow analysis ''. Each time they apologize and issue another analysis, this is 4 times now, each one with new ficticious figures claiming that we have missed two monthly payments, and would we like them to help us with our mortgage in jeopardy. We feel that the problem is easy to fix, and needs no analysis, only that they properly place the payments to reflect what the receipts say, which will show that we are up to date on everything. We can supply copies of receipts to show the discrepancy. We do not believe that this problem is because Chase Bank can not simply read their own receipts, but that they are attempting to force us into jeopardy by tricky tactics. They simply refuse to listen to facts, and talking with people on the phone after hours waiting that speak English only as a second language to explain difficult math issues is completely frustrating. I Believe that none of this repeated : " oops we made a little mistake '' stuff is not accidental.
Consumer complaint received 2018-03-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (GA)

On XX/XX/2018 I contacted XXXX with XXXX at XXXX XXXX in concerns with a listing on my credit report in the amount of {$470.00}. XXXX stated that she checked he system and wasn't sure of why her company is listed on my credit report. She then stated that she is the assistant manager and she is not sure the debt is even true. She advised me to contact XXXX XXXX and see what information they have because if its being reported by them then that means they no longer own the debt and she doesn't want to discuss something that she knows nothing about. On XX/XX/2018 I contacted the Equifax in regards to a listing on my credit report. I spoke to a rep by the name of XXXX Id # ( XXXX ) I advised him that I wanted to file a dispute with a company called XXXX 's XXXX in the amount of {$470.00}. XXXX was very unhelpful, he basically refused to file my complaint. I contacted XXXX XXXX on XX/XX/2018 and spoke to the rep by the name of XXXX Id # XXXX XXXX ). I contacted her because I was concerned with this item that listed on my Equifax report and also listed on my Husbands XXXX, XXXX, XXXX report. XXXX advised me that she has no item in her system for this amount and was unaware of the account in questioned. On XX/XX/2018 I contacted the XXXX XXXXXXXX XXXX for assistance
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION (MO)

I voluntarily closed this account effective XX/XX/XXXX, when the loan was not in default, there was no loan delinquency, and no payments were due. M T Bank received my Notice of Rescission on XX/XX/XXXX,  and has failed to report to the reporting agencies my voluntary closure of the account. M & T Bank is in violation of Section 623 of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 4 ), 1681s-2 ( a ) ( 2 ) Duty to provide notice of closed accounts and Duty to correct and update information.
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (TX)

I am a victim of identity theft. Since 2015 two cards were opened at Chase. A XXXX XXXX, and a XXXX XXXX XXXX. To add to this, a Total Checking account and Savings accounts were also opened Fraudulently. I have learned recently that these accounts were closed. A few months ago I attempted to open a checking account at Chase Bank. Only to learn that my Online Access had been flagged for Fraud, which I changed my password. I was then told I cant open an account as past accounts were closed. I was shocked to learn these accounts were opened in my name as I never opened any of these. My email addresses were also hacked. Which I have also corrected now. When contacting chase about this matter they refuse to assist me. As a victim of identity theft this is a crisis. I want it resolved.
Consumer complaint received 2018-03-09
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC. (NJ)

Good Afternoon, Today I received a call from XXXX at XXXX XXXX XXXX at my work. I work for a financial institution and our calls are recorded. Despite telling XXXX that its my work and I could potentially lose my job for that call he continued to pressure me into the call and not willing to hang up. According to my company policy I can not hang up on a call as it could be a customer service issue. He without verifying my identity disclosed my financial information which could have been anyone at my work and they would have known my financial status. Just not only put my information at risk he put my job at risk. If my call quality team ever listens to this call and escalates it to my manager I could lose my job as its strictly prohibited for us to take personal calls and specially not from another financial institution. I have asked XXXX to not call me ever at my work but he refused to commit to that and said he will call back. Please advise and assist as next call from him could end my employment. Thank you!
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC (TX)

XXXX is reporting Account abuse on my report with them per XXXX XXXX XXXX XXXX XXXX. I have contacted both the bank and XXXX   numerous times. They refuse to remove the information even though I have never had an account with XXXX nor have I ever abused an account. This is causing major issues opening a checking account anywhere.
Consumer complaint received 2018-03-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants' Credit Guide Company (IL)

I spoke with the hospital billing department concerning this 4 year old bill. 
They informed me that the bill was paid. They had problems with the insurance company as hospitals do in collecting payments from the insurance company. So merchants credit is willfully and wrongly reporting incorrect and damaging information to my credit report. Please take the necessary steps and fine merchants credit and compensate me for damages done to my credit report.
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

Chexsystems is reporting Account abuse on my report with them per XXXX XXXX XXXX XXXX XXXX. I have contacted both the bank and Chexsystems numerous times. They refuse to remove the information even though I have never had an account with XXXX nor have I ever abused an account. This is causing major issues opening a checking account anywhere.
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

Experian claims that it has verified the accuracy of the bankruptcy that is reported on my credit report. Experian also claims : " The public record vendor ( s ) responded and  verified that the disputed information was accurate as reported. The results summary for the disputed items was forwarded to you on XX/XX/2017. '' Experian has failed to provide the NAME and CONTACT info of the vendor in the correspondence in its XX/XX/17 correspondence. 

Experian HAS FAILED TO SATISFY the req 's of FCRA. 

Please prosecute Experian to the full extent of the law for its BLATANT attempt to NOT follow the law. 

It is an UTTER DISGRACE at Experian 's UNLAWFUL behavior and that it fails to rectify the matter. 

Thank you, XXXX XXXX, XXXX.
Consumer complaint received 2018-03-09
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

I am the XXXX XXXXt for a home that is being financed by Quicken Loans and appraised by XXXX XXXX XXXX out of XXXX TX. The lender had an appraisal done on the property and the appraiser bypassed several comparable properties that were recently sold and very similar in every aspect and used comparable properties that were almost a year old as well as devaluing the property based on incorrect assumptions about upgrades and modifications done to the subject property. This caused the property to come in {$6000.00} under the contract price. This same property had 6 or 7 offers that were above the contract price. I reached out to Quicken loans to help contest the appraisers findings and they submitted some of my the information that I submitted the first attempt. When the appraiser responded and I attempted to send additional information Quicken loans refused to send the additional information. 
This is causing an unnecessary financial loss to me and my client.