davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

On XX/XX/2018 I deposited a business check accidentally into my checking account. This was a cashier check. Santander credited me the funds but two days later noticed the mistake and took the funds out. Since then I have been trying to get them to return the funds. I was told to wait 30 days and they will mail me a check. Didn't happen. I was told wait longer and they will be returning the check back to XXXX XXXX ( issuing bank ) via ACH didn't happen. I contacted the OCC to file a complaint. At that point someone from their executive office contacted me and told me that they spoke with XXXX and will mailing them a check payble to XXXX XXXX and that XXXX then has to deposit the check and credit their customer who purchased the cashiers check. They have attempted to do this 2 times now. Both unsuccessful and XXXX has confirmed to me and to their customer that they do not handle such transactions in other words they do not have any department that will do this since they cashed the check. 

The person who purcahsed the check has been in contact with their local branch over this time their branch has told them that Santander can mail the check directly to the brach and they can take care of it from there. Santander refuses to do this they continue to hold these funds. I need this issue resolved already its been 6 months!
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NY)

IVE BECAME AWARE OF THIS THESE FRAUDULENT ACCOUNT WHILE GETTING MY CERDIT RUN FOR A APARTMENT THEY TOLD I HAVE SOME ACCOUNTS I NEED TO ADDRESS BE FOR BEING APPROVED AFTER THAT I REALIZE IVE RELAIZE IVE BECAME A VICTIM OF IDENTITY THEFT I DIDNT NOT NOR HAD ANY KNOWLEDGE OR AUTHORIZE NO ONE TO USE MY IDENTIY IM TRY TO RECTIFY THIS ISSUE CAUSE THESE NOT MY ACCOUNT JPMCB AND XXXX
Consumer complaint received 2018-11-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Collection Management. Inc (IL)

XXXX XXXX XXXX XXXX of XXXX, IL - Services were used on XX/XX/XXXX when I had an XXXX. Claim was submitted through my insurance, XXXX. Claim was paid via my health spending account provider 's website, XXXX XXXX. XXXX XXXX shows that payment cleared XXXX XXXX 's bank on XX/XX/XXXX. 

I received a letter from a collection agency, Consumer Collection Management Inc.,  in XX/XX/XXXX. XXXX XXXX claimed that they never received payment for XX/XX/XXXX services. My health spending account provider, XXXX XXXX, shows payment cleared their bank on XX/XX/XXXX. Since XXXX, I've placed numerous calls to XXXX XXXX, Consumer Collection Management and XXXX XXXX trying to resolve the issue. 

On XX/XX/XXXX, I had XXXX where XXXX XXXX 's services were used again. At this point, I am still working with them to resolve the issue with the payment I made in XX/XX/XXXX. XXXX XXXX has not 'found ' the payment. In XXXX they 'found ' the payment owed from XX/XX/XXXX but applied part of it to the XX/XX/XXXX claim and part to the XX/XX/XXXX claim. 

By applying partial payment to the XX/XX/XXXX claim, this left me in collections for {$49.00}. When I called them about applying a XX/XX/XXXX payment to a XX/XX/XXXX claim, they admitted that they applied part of the XX/XX/XXXX payment to the XX/XX/XXXX service. This is quite interesting because a claim had not yet been submitted to XXXX for the XX/XX/XXXX charge. I wonder how they could possibly know how much to apply for the service when it had not gone through my insurance? 

I received an invoice for {$49.00} for XX/XX/XXXX services, but yet the charges still had not been submitted to XXXX. When I called XXXX XXXX, I was told to ignore the invoice. In the meantime, I am still waiting for them to submit a claim to XXXX  for XX/XX/XXXX services and I am still in collections for a claim that I paid within 30 days of the billing last year. 

I know this is a rambling, confusing ordeal but beware of XXXX XXXX 's accounting practices. My credit rating has gone from Excellent credit to just Good.
Consumer complaint received 2018-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

Contacted Equifax over an attempt by a 3rd party to do a hard inquiry that failed to return a valid response. They confirmed that there is an account present, but are unwilling to provide insight into the process to rectify the situation. The only response provided was to send a request in writing and wait 2 weeks for them to make a decision.
Consumer complaint received 2019-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I opened a credit card dispute for a charge amount of {$2500.00}. for merchant XXXX XXXX XXXX XXXX. The merchant breached my agreement by not providing services listed in the agreement. The NC state bar association is still investigating the attorney for wrong doings. I told Capitol one very clearly that all communication regarding this dispute is to be sent to my Florida address as I am living in Florida for part of the year. Capital one was requesting additional information regarding my dispute but, sent their request by US mail to the WRONG ADDRESS! Once I realized their mistake I called the bank and told them I have the information they needed and they said " it was to late they closed the dispute. '' I explained the dispute was closed in error since the bank send the request for additional information to the wrong address. If I got the letter at the correct address the information they were requesting would have been there on time. 

I was defrauded by the merchant and XXXX by the credit card company ( Capital One ). The case against the merchant is being investigated by the NC state bar association and they suggested I request a dispute until the investigation is complete. Furthermore a state judge dismissed the attorney from representation and issued me another attorney THIS WAS A COURT ORDER! removing the merchant and ordered another attorney. I can't pay for the same service with another merchant that's just wrong! 

The bank didn't care and closed the case and are not willing to re-open the case and make good on their mistake by issuing a credit or a goodwill credit. 

I DO NOT OWE THE {$2500.00} and MASTER CARD WOULD HAVE RESOLVED THE CASE IN MY FAVOR IF CAPITAL ONE PROPERLY HANDLED MY DISPUTE. 

Because of the negligence of Capital One I am requesting they remove the charge of {$2500.00} for their mishandling of my dispute. OR re-open the dispute and let the charge card company make the decision in the mater. 

THIS CHARGE OF {$2500.00} MUST BE REMOVED OR PLACED IN DISPUTE AND ALL INTEREST WAIVED WHILE THE CASE IS PENDING WITH THE NC BAR ASSOCIATION.
Consumer complaint received 2018-11-03
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Investment Retrievers, Inc. (CA)

I was threatened to be sued. I was mistreated and harassed with several phone calls. Theyve been stalking me on social media sites. And they are attempting to collect a debt in a state other than where I signed for the original loan.
Consumer complaint received 2019-01-23
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: Experian Information Solutions Inc. (MI)

I have an account on all 3 of my credit reports. The name of the company listed on the reports is XXXX XXXX. I sent 2 dispute letters to each of the 3 credit bureaus asking that they verify the debt. They each stated that they verified or updated the information on my report. I checked my report in XXXX  and there were discrepancies on each of the different reports. There were different dates and amounts that they state that I owe. I disputed the information again and I checked the reports again and all 3 still have different information on them. I am attaching the discrepancies that I found on my reports. I would like to file a complaint with all 3 credit reporting agencies regarding this matter.
Consumer complaint received 2019-01-23
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. (MI)

I have an account on all 3 of my credit reports. The name of the company listed on the reports is XXXX XXXX. I sent 2 dispute letters to each of the 3 credit bureaus asking that they verify the debt. They each stated that they verified or updated the information on my report. I checked my report in XXXX  and there were discrepancies on each of the different reports. There were different dates and amounts that they state that I owe. I disputed the information again and I checked the reports again and all 3 still have different information on them. I am attaching the discrepancies that I found on my reports. I would like to file a complaint with all 3 credit reporting agencies regarding this matter.
Consumer complaint received 2019-01-23
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: Experian Information Solutions Inc. (TN)

I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They  have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2018-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I did not receive any bills from XXXX Hospital. I checked my credit report in XX/XX/2018, I had a collection from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX AZ XXXX ( XXXX ) XXXX. I sent them a letter and no response. I disputed with Trans union multiple times. I requested that they send me verification how they disputed, they only sent me a credit report. XXXX XXXX XXXX never sent me validation as I have requested. On XX/XX/2018 I sent them a letter I received no response. I just sent a letter to Trans union to dispute this item because it is now listed as XXXX Hospital under XXXX XXXX XXXX information and telephone number. Trans union keeps  saying verified, but I can get no response from delivery financial services. I have also sent Trans Union multiple Letters about inquiries, but they say they don't dispute inquires I have to send to companies only. I have requested for them to send me information on how they verified the accounts for XXXX XXXX XXXX, chapter XXXX bankruptcy XXXX, chapter XXXX bankruptcy XXXX and all they sent me was a credit report stating verified. I also informed them I was part of Identity Theft and please remove the inquiries. I am sending them another letter of dispute, but I am sure they are not verifying these items correctly.
Consumer complaint received 2019-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AZ)

Credit Report mailed to me dated XX/XX/19 contains no reference to an account with XXXX XXXX XXXX. Reference to an account with XXXX XXXX XXXX appears on the online credit report I have just viewed. This materially and negatively affected my credit score as detailed in complaints XXXX and XXXX.
Consumer complaint received 2018-11-07
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. (FL)

Re : Equifax Dear Equifax, This is a declaration of your negligence to abide by THE FAIR CREDIT REPORTING ACT enacted by Congress. XXXX XXXX XXXX XXXX. closed account # XXXX. A request to deleted this account was submitted to the three major consumer reporting agencies during the next reporting. However, this account which was deemed as fraudulently open is still reporting on my credit file. In spite of that, you have also exceed the 30 day period mark for credit reporting agencies to investigate disputes additional time was given to resolve this matter. Your company as well as XXXX XXXX XXXX XXXX. both received notarized copies of an identity-theft report and identity affidavit via certified mail. As a result, further collection efforts were terminate then a request to deleted from all 3 credit reporting agencies without coincidence by XXXX XXXX XXXX XXXX. Knowingly reporting information known to be fraudulent is unethical and shall lead to litigious action as wells as civil and punitive damages if this accountq is not deleted. Please be advise that this is also a serious offense of defamation of character whereas misrepresenting my name with creditors for debtors I am not associate with. You have 15 days to deleted this account otherwise there shall be legal action taken. 

Thank you..
Consumer complaint received 2018-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (SC)

American Express Credit Card - Standard monthly payment on the XXXX of every month - On the XX/XX/XXXX, multiple fraudulent payments to balance were attempted. Amounts were : {$4500.00}, {$4500.00}, {$3200.00}, {$4000.00} - Amounts did not clear my bank, and were sent back as return payments. 

- As a result of 4 return payments, credit limit was lowered from {$12000.00} to {$7700.00} - Additional fraudulent payment of {$7500.00} was scheduled on the XX/XX/XXXX, but was canceled ahead of time by me. 

- Fraudulent bank account was added to my account on XX/XX/XXXX - Called on the XX/XX/XXXX to American Express, assured by agent that the payments ( then unknown as fraudulent ) were not actually taken out. No other resolution - On XX/XX/XXXX after receiving notification of additional {$7500.00} scheduled fraudulent payment, called 4 separate departments to American Express, who helped me figure out the payments could be fraudulent in order to gain access to the immediate credit on my account following a payment. They gave me two options to attempt to restore my credit limit : - Submit proof of wage documents to start a credit limit raise application, told by Customer Service that this was likely to be denied due to credit score and outstanding debt -Pay a sum of around {$3800.00} by XX/XX/XXXX, which was the difference between my previous credit limit and my newly lowered limit -Passwords and information changed securely on the XX/XX/XXXX. Do not believe fraudulent activity will continue
Consumer complaint received 2018-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (ME)

XX/XX/2018 was told that idr plan would better match the amount needed to match the interest accruing. Due to maternity leave my income had drastically cut my payment on paye, and I wanted the payment requested to match amount paid for tax purposes. I switched plans and requested not to have a forbearance, and to pay as scheduled. XXXX came and no payment was billed or taken out. I called repeatedly to get this fixed so I could pay. I was told that i couldn't pay unless they took the forbearance off ( which I never asked for, and requested against ). They took it off so I could pay, compounding my interest without my awareness. In XXXX I noticed, and called often, trying to determine why this even occured. I was told in XXXX they could take the forbearance off, which would get rid of the fee. They took the forbearance off, leaving the fee. I called for 2 months waiting for this to be fixed, and was told that they would not be refunding my account although I never asked for the forbearance to begin with.
Consumer complaint received 2018-11-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (OH)

I have had my XXXX XXXX enrolled in autopay for over six months. I logged in to download my statements and my autopay information was erased. I was never notified of this. In addition, XXXX will not let me enter my checking account information ( the same account! ) to set up a new payment source. A website error continues to state that the routing number could not be verified. Again- same account that XXXX has been successfully using for autopay for over six months.
Consumer complaint received 2018-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SUNTRUST BANKS, INC. (AZ)

in XXXX there was fraudulent charges on my Suntrust credit card. I called them they ask if the charges were mine i told them no they told me they were canceling the card and sending me a new one. I waited 2 weeks and never received the new card. called them again and was told it was sent out, wait until the end of the week they told me. never got it so i called again, this time i was told that there was no card sent out that the card was frozen and i would have to come in to the branch office to un freeze it. asked were that was, was told that they are in Virginia and Georgia. Im in XXXX and that was not going to happen. so they told me that they would send it to be investigated and they would call me to see what could be done to close the account. this was the last week in XXXX. I left for the winter to XXXX XX/XX/XXXX they did try to call me on XX/XX/XXXX i was craving and missed the call have repeatedly tried to call and left messages no response so i sent a message on there site. they answered back and someone would be calling me from investigations. still no call. i messaged Suntrust again they messaged me back and said that they did call me. Not true i have had my phone at all times and have not gotten a call. messaged again they asked for my phone number and a good time to contact me. again and was assured they will be calling. Still no contact. I just want it closed do not understand why they can not do this. I have never had the trouble that i have had with this bank i would advice no one use SunTrust if you don't live in there area.
Consumer complaint received 2020-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (PA)

TD Card Services Charges : 1. {$7.00} Transaction Date : XX/XX/XXXX Company : XXXX Ref. No.XXXX XXXX. {$110.00} Date : XX/XX/XXXX Company : XXXX Ref. No. XXXX Charges : 1. $ {$6.00} Date : XX/XX/XXXX Company : XXXX Ref. No. XXXX 2. {$85.00} Date XX/XX/XXXX Company : XXXX XXXX. No. XXXX There were two charges that were charges I had made, so they are not included in this dispute. 
1. XXXX : {$40.00} and XXXX. XXXX {$7.00}. So these can be disregarded. 

I filed a dispute with TD Credit Card Services which they received on XX/XX/XXXX and was told they investigated and was denied. 

I then filed a second dispute eliminating the XXXX charges with documentation on XX/XX/XXXX and have not heard from them since. I feel my credit card was compromised and i no longer have charged anything to my TD credit card. I eventually will close this account.
Consumer complaint received 2018-11-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY (FL)

During the month of XX/XX/2018 I started seaching for a new house and was referred to TD bank by an employee I know. He specifically referred me to a loan officer. During the Month of XXXX I submitted an offer for the house I chose for $ XXXX which made qualify for a promotional rate of 4.5 % with 1/8 of a point, which I locked. 
A week and a half after, the appraisal came at $ XXXX. Since the offer was contigent on appraisal, I offered the owner $ XXXX, which he accepted. The loan officer mentioned that he might not be able to keep the same rate and the rate would be higher. However, the following day he stated he got an excetion to keep the original rate in order not to have to re do everything. Following that, I received the lock rate agreement with the same rate 4.5 % with 1/8 of a point for the new amount to be financed ( $ XXXX ) based on the new sale price of $ XXXX. 
During the month of XXXX, I received a new lock rate agreement for the $ XXXX with a higher rate of 4.875 with 3/8 of a point. I believed that was a mistake since the loan officer had stated he was able to get the original rate, so I did not sign it. 
Closing had been set for XX/XX/2018. On XX/XX/XXXX I received the Closing Discloure draft and it had the higher rate ( 4.875 with 3/8 of a point ). I inmediately raised the discrepancy to the loan officer and he said that he had not send the initial lock rate and asked me who had And I forwarded the informatikn to him. He then replied that the person was out of office and that he would check the next day. On Friday he said that bank would not change anything as that was the rate ( which was not the one I had signed ). On monday, XX/XX/XXXX I contacted him and his manager to request an escalation of this issue. Closing date came ( XX/XX/XXXX ) and I did not hear any update from any of them, and was left with no option than to sign/ close under duress as I did not want to lose the house and risk any additional financial burden. 
Two hours after closing, the loan officer called me and asked me if I would consider a rate change to 4.625 %. I replied via email stating that I did not think that was fair as it was a higher rate with 3/8 of a point which I paid at closing. 
I was told that the team were reviwing the issue. It was not until Monday, XX/XX/XXXX when the loan officer emailed me claiming that since I had agreed verbally ( which is inaccurate ) and viewed the second lock rate ( which I did not approve as it was not what the officer had mentioned ) the bank will not proceed with any changes and would only refund the appraisal cost and underwritter fee. To me that is not a fair outcome and I had no option but to state that if that was the final outcome of the investigation I have no option but to accept it. I also mentioned I did not feel it was fair as I am sure the investigation revealed many gaps in their internal processes which created the confusion and instead resolving them they are taking the easy and unfair resolution which is to penalize the end user