davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (FL)

Following SunTrust Banks repeated mismanagement of our escrow account, My wife and I have been trying to get the bank to close the escrow account since XX/XX/XXXX. They have refused to do so. 
On XX/XX/XXXX SunTrust sent a letter stating six ( 6 ) requirements needed to be met before they would remove  the escrow account. 
On XX/XX/XXXX we sent a letter by Registered Mail to  SunTrust showing that all 6 requirements for closing the escrow account had been met and again requesting that they close the escrow account. 
The registered letter was received by SunTrust on XX/XX/XXXX as evidenced by the registered return receipt. 
As of XX/XX/XXXX SunTrust has NOT responded to our letter and has NOT closed the escrow account.
Consumer complaint received 2024-10-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (NY)

On XX/XX/XXXX, My car insurance which is XXXX ( entity of XXXX ) electronically transferred {$23000.00} and some change to my Ally account due to my vehicle being a total loss. On or around XX/XX/XXXX, my mother wrote a check for {$25000.00} to help me pay off my next car when I did indeed buy it. I did a mobile deposit to Ally with that check. My moms bank was calling her to verify the amount and transaction but she did not call back in time so the amount was reversed from my account. She finally called her bank ( XXXX ) to let them know she indeed did write it and they informed her to let the payee know to resubmit the check. I could not resubmit the same check so she wrote another one and voided the prior check. I called to let them know the check was reversed and approximately 2 hrs later Ally restricted my entire account even after letting them know this information and also having verbal confirmation from the person who wrote the check. I even sent them documentation on where the completely unrelated insurance money came from, but they will not even release that. Due to this, i have no money to pay bills or purchase another car. I have an elderly person at home and we have no way of getting around. My motor vehicle status is in a lapse due to having plates and no vehicle and i continue to pay insurance on my totaled car so i do not lose my insurance. This is all causing extreme hardship and convenience.
Consumer complaint received 2019-03-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

My loans were transferred to XXXX XXXX in XX/XX/XXXX after I applied to the Public Service Loan Forgiveness Program ( PSLF ). After much chaos with trying to establish the best repayment plan, I settled on the Standard Repayment Plan. 

In XX/XX/XXXX, I was notified that my account was in " pay ahead '' status. I was told that at some point, I elected to pay more than the required monthly payment amount to decrease my overall debt. However, I do not recall electing to pay ahead, and there is no documentation showing this either. Pay ahead status would decrease the overall amount of loans forgiven in PSLF, so I do not want to be in this status. In this same phone call in XX/XX/XXXX, I requested to be taken off of pay ahead status, and was notified that my request was immediately taken care of. However, my account still says it is in pay ahead status today ( XX/XX/XXXX ). I have already called to request this be taken off, but nothing has worked. 

Additionally, I am enrolled in auto-debit and was told I would see an interest rate deduction of 0.25 % after my XXXX monthly payment. This is not reflected on my account.
Consumer complaint received 2019-03-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

I am a single mom struggling to pay bills on a small income and is hard to stretch. I do not know how to make ends meet .It is hard to survive in a society where it is not designed for someone like me to achieve success .I need help and I cant afford to pay the loans back.
Consumer complaint received 2019-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Comerica (MI)

In XX/XX/2019, ( weeks 3-5 ) I encountered a breach in my COMERICA BANK checking account, and COMERICA BANK did not notice ; this was likely due to a breach in their online services and my account was hacked, which allowed a piece of sh*t to try to steal over {$25000.00} directly from my checking account. The follow-up from the bank was pathetic, and I was not notified of any actions taken when MY MONEY WAS STOLEN ON THEIR WATCH! This is completely insane, really, and I deserve answers, not a non-response and a nearly-impossible-to-contact company who tries to use automated answering robots instead of actual humans ( I called 4 different times today and the stupid automated voice said the same thing each time " we are experiencing a high volume of calls, your wait time will be about 40mins '' ).
Consumer complaint received 2019-03-05
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. (NJ)

There is an account on my credit report that is no mine and a result of identity theft. I have already filed out an identity theft affadavit 3 times and attached a police report. 

XXXX XXXX : Account Number : XXXX This account is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed a police report and identity theft affidavit to alert the proper authorities.
Consumer complaint received 2019-03-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Byrider Franchising, LLC (OH)

Byrider Financ, LLC XXXX XXXX XXXX. 
XXXX, OH XXXX On XX/XX/XXXX I purchased a XXXX XXXX XXXX from the above company, with the understanding that I was buying it at fair market value, But 3 years 7 months later they still say theis is close to {$3500.00} still owed on the car and I've been paying {$170.00} every two weeks since the loan was taken out, On XX/XX/XXXX They repossessed the car they financed On XX/XX/XXXX I paid what was owed at the time of the repossession plus two weeks in the amount of {$1000.00}. 

After the money was received I was given a phone number of a towing company which would not take my call saying their lot closed at XXXX XXXX XXXX. So I have been unable to contact the lot where the car is suppose to be. 

They sent me a receipt for the payment on XX/XX/XXXX, stating that it would be at least 7 days for the car to be returned. That was in order for them to put a tracing device on the car so they can keep track of where the car is. I am pretty sure that they already had a tracing device on the car or how would they have known where the car was when they repossessed This was my only way back and forth to work and I have had to rely on someone to get me back and forth to work for the past three weeks. 

They did not give any for warning they were going to come and get the or I would have removed several items of importance to me from the car. 

Then on Monday, XX/XX/XXXX they e-mailed me to let me know that a payment was due on XX/XX/XXXX. I feel that this was very inappropriate as the car is not in my possession yet they want a payment.
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TN)

I'm in the market for a new car and i was told to check my credit report before i went to the dealership. I checked my credit report and i noticed a few items that i didn't authorize. These items are not mine and i need these items deleted from my credit report. I'm working on this process on my own behalf. I was advised to contact this agency and I also contacted the FTC and my city police. XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2019-03-05
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: EQUIFAX, INC. (TX)

These accounts that I am requesting assistance on are being reported inaccurately on my credit reports with all three credit bureaus ( XXXX, Equifax and XXXX XXXX ). I have spoken to them numerous times and submitted hand written letters for these matters to be resolved and they are affecting my credit tremendously. I have locked my credit files and requested a security freeze on my credit reports until further notice. 

In XX/XX/XXXX, I noticed that the accounts I am writing to you about have inaccurate late payments on them and I have never been late on any of my accounts. There is even a personal statement that is inaccurate and now I am writing to the Consumer Financial Protection Bureau to help me in correcting this information as soon as possible. 

Equifax is reporting that : XXXX XXXX XXXX has 1 late payment in XX/XX/XXXX and it has NEVER had a late payment. They are also reporting that XXXX XXXX XXXX XXXX has 2 late payments from XX/XX/XXXX and XX/XX/XXXX have late payments which are additionally inaccurate. These accounts have had perfect payments every month every year for the history of them. 

XXXX XXXX is reporting that : XXXX has 1 late payment in XX/XX/XXXX and it has NEVER had a late payment. They are also reporting that XXXX XXXX has 2 late payments from XX/XX/XXXX and XX/XX/XXXX have late payments which are additionally inaccurate. 

XXXX is reporting that : XXXX XXXX XXXX has 1 late payment in XX/XX/XXXX and it has NEVER had a late payment. They are also reporting that XXXX  XXXX XXXX XXXX N has 6 late payments which are inaccurate as well.
Consumer complaint received 2019-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (CA)

I received an XXXX XXXX dated XX/XX/XXXX ( see attachments ) saying there is {$310.00} shortage amount on my loan and that divided by 12 months, there will be an increase of {$26.00} to my monthly mortgage payment. Then I received another letter on XX/XX/XXXX ( see attachment ) showing the shortage to be {$410.00}. 
As a background, my loan originated XX/XX/XXXX and I have been paying a {$100.00} Escrow payment towards PMI. I do not currently have an impound account. Per my amortization schedule, the PMI is to remain static until I reach the 80 % debt to loan ratio. Also, as of XX/XX/XXXX my loan was transferred to a new servicer. 
I contacted the new servicer on several occasions to understand what the shortage payment is for and they weren't able to help me because they are saying they don't see any transaction history prior to XXXX. Two supervisors ( XXXX and XXXX ) requested the transaction history from the old servicer and haven't received the document. They are claiming they are just collecting this amount on behalf of the old servicer and have nothing to do with it. 
I've also been in contact with the old servicer and they are also saying they don't know why there is a shortage payment. No one is able to help me and this is my last resort to get this issue resolved. I have made my mortgage payments on time every month since the origination of my loan and I don't understand why there is a shortage payment and why I would be the one responsible for that when I pay what I owe every month. I am not in control of when and how much money goes in and out of the escrow account, and I shouldn't be punished for it. I feel I am being given the run around by both servicers. No one is able to help me and I'm reaching out to you. Please help me to resolve this matter.
Consumer complaint received 2019-03-04
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: Gurstel Law Firm, P.C. (AZ)

I have sent 3 dispute letters to both XXXX XXXX, XXXX, XXXX XXXX and 3 credit bureaus in regards to failure to verify my account. They have continued not to provide me 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, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. They continue to send me to account statements which is not a proper form of verification of debt.
Consumer complaint received 2019-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (FL)

I called to settle a debt with convergent outsourcing for {$1000.00} and was told I will get an email confirmation about my debt being paid and havent received the email. I was told that the debt will not be paid to be deleted from my credit. Im in the process of repairing my credit
Consumer complaint received 2019-03-05
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: JPMORGAN CHASE & CO. (NV)

XX/XX/XXXX purchased flight ticket for {$2100.00}. The card is in my wife 's name, I am on the account. XX/XX/XXXX, XXXX  discovered a XXXX XXXX, XXXX and advised I not travel. Filed reimbursement claim with credit card company per their Trip Cancellation/Interruption Benefit. I supplied all documents requested and for the next 3 months continued to supply just one more document for 6 different requests. Such as, proof of purchase with their card, proof of purchase with their travel service, proof of no claim to airline, proof ticket had no value, proof of tax refund from airline all these requests interspersed with phone calls from me. Finally XX/XX/XXXX I received a check for {$100.00}. I called them and amazingly the first person I talked to examined the file and agreed a mistake had been made and they owed me more money. He would call me back that afternoon. He didn't. 5 weeks go by with me calling them each week asking the status. Finally they told me they were just a 3rd party and couldn't pay until the credit card company agreed and that they had sent them an email asking for resolution of the error. On the last call, XX/XX/XXXX, they claimed they still had not gotten an answer to their email and I suggested they pick up the telephone and call them. The lady said she would have me an answer by the close of business on XX/XX/XXXX and would call me, I verified they had my phone number ... she didn't call.
Consumer complaint received 2019-03-05
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. (AR)

Reached out to the company concerning my loans and the only thing they want to do is continue to put my loan in forbearance so therefore these loans are still having interest added and there are several loans instead of one loan one interest rate
Consumer complaint received 2019-03-04
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (WI)

I have applied for a credit card through XXXX XXXX. They use Synchrony Bank. I was denied a card based on " unfortunately, based on results of these checks ( social security, address ) we are unable to confirm your identity with enough confidence to approve your application at this time. '' I have an XXXX credit score and have credit cards through J.C. Penny 's XXXX XXXX XXXX and Lowes ALL OF WHICH ARE ISSUED THROUGH SYNCHRONY BANK. 

Their actions have adversely affected my credit rating. 

XXXX XXXX
Consumer complaint received 2019-03-04
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: VALLEY NATIONAL BANCORP (NJ)

On or aboutXX/XX/XXXX, I opened a CD account, with Valley National Bank. It has been a nightmare ever since it was open. On or around the month of XX/XX/XXXX, I lost my CD check, I ask for a replacement, it took two months for a replacement. The same day, I can in to do the paperwork, I ask to open a CD, I had over 500 , Ms XXXX states I did not have enough money to open one. Then another time I came to get the interest on my CD account the lady with the maroon hair that sat across from Ms.XXXX gave me a hard time. I threatened to call the XXXX office she processed the account even though they don't do anything. These incidents took place in the XXXX office on XXXX XXXX. I spoke to Ms. XXXX at the XXXX office no faster service. 

However, I decided to go to the XXXX XXXX office to get better service I had no problem with them until today, XX/XX/XXXX. I went there to get my interest, the so call XXXX, XXXX stated I should not be getting any interest the bank was just wavering the fee each month for me as a curtsey. I explained to her that was not true. She call the CD department and they told her I was getting the wrong code for the amount I was getting, I ask for the number, she stated they would not give my the number. Her professional behavior was horrible. I have one more month to go I can't wait I will be leaving this bank. Another incident I opened a {$500.00} Christmas club I only got XXXX for the year, but if not paid by time stated you are charged {$50.00}. I will never use this bank again and I will tell others about this matter. I feel since I am a minority this can take place.
Consumer complaint received 2019-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (GA)

I am contacting you again in regards to a bill from XXXX  that I have already had removed from my credit report once due to the collection agency not being able to validate the date and yet again this same account ( from XXXX  ) has resurfaced by being placed on all 3 of my credit reports again claiming that I owe this debt from a collection agency called Contract Callers, Inc.I requested validation of the debt prior to this collection company putting this debt on my credit report however, I did not received that validation. Now finally this collection agency Contract Callers, INC have finally sent a copy of a bill that they say is a validation that I own and owe this debt yet the information they sent does not have my name, it has no information as to my DOB, Social Security number, etc. with what was sent this is not a validation of the debt that they claim that I owe to them. Like before I am requesting that this debt be DELETED from all three of my credit reports and not be allowed to be placed back on my reports due to the fact that not once but twice now the original creditor XXXX has not been able to provide adequate validation to prove that this account is mine yet they constantly keep reselling this debt to different collection companies who can not validate the debt yet they are placing it on my credit reports anyway thus ruining my credit as fast as I can try to restore it.
Consumer complaint received 2020-12-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have sent several letter to companies by the names of XXXX, XXXX, and Transunion, yet they have failed to respond to my dispute letters. I have not received any responses over the last 6 months.
Consumer complaint received 2019-03-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CO)

This is a continuation of 3 complaints already submitted. I am trying to put all of the pieces together little by little. 

On XX/XX/XXXX we were granted a HELOC on the property at XXXX XXXX XXXX, XXXX XXXX, CO XXXX. The amount of the HELOC was {$46000.00} thru XXXX XXXX XXXX. 

This loan was being handled by HSBC as of XX/XX/XXXX. I paid on this loan, to HSBC, for 4 years and never saw a decrease in the principle amount. The statements I received never addressed the loan rate nor any monies being given credit for. That continued for the four years I paid on it, not knowing what the terms of this loan were. For how many months nor the interest rate, because it was never recorded with XXXX County Clerk and Recorders Office when the Deed of Trust was recorded. Not until I filed my complaint with you did I finally receive this important information. 

The payments I made over 4 years never reflected any decrease in the principle amount. I took it as blind faith that this loan was made with honesty. But this was during the mortgage banking problems that were happening at the time. 

Because of this lack of information, it gave me cause to doubt the legitimacy of this loan causing me to default. I had no idea of the terms of this loan until XX/XX/XXXX with your help. 

HSBC charged off this loan on XX/XX/XXXX and then sold to XXXX/XXXX  on XX/XX/XXXX. For 4 years I never received any correspondence from either cpany until I began receiving statements from XXXX showing a balance due on this loan as being {$46000.00}. Why was I not made aware of this for 4 years and why did it take 4 years before the collections started. 

The balance due was reflected on all statements I received until XX/XX/XXXX when, again with your help, HSBC finally sent the information showing a balance due of {$49000.00}. Had I been aware that some of my payments had been credited to the priciple balance I would not have defaulted at all. The payment history furnished by HSBC shows I was making payments continuously, without cause for default, until I started questioning it's legitimacy.
Consumer complaint received 2020-12-23
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: General Motors Financial Company, Inc. (SC)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX XXXX XXXX FI add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, AMERICREDIT FINANCIA add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX XXXX. add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 

But companies did not provide the following proof : Permissible Purpose My written authorizatio n Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.