davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (IN)

We had a contractor replace our roof & gutters due to hail around XX/XX/18. XXXX XXXX XXXX paid via check but Sun Trust Bank ( who our Mortgage is through ) needed to endorse it. I mailed Sun Trust the check on XX/XX/XXXX and we still dont have it back ( today is XX/XX/XXXX ). They are giving us the run around and we have done and provided everything theyve asked for. The money was due so we had to pay the contractor out of pocket {$8000.00}. Sun Trust needs to give us our endorsed check. They are horrible to work with and Ive called them daily. They wont return calls. Each rep tells me something different. Please help. Thanks.
Consumer complaint received 2023-12-13
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY (GA)

American Express online banking XXXX mos CD matured XX/XX/23 ( Sunday. ) Their email and letter said call during grace period to close. I called XX/XX/23 ( Monday ) and was told it would take up to 13 days to transfer my funds to my checking account ; and I would be notified by XXXX mail only. I was later told it would be XXXX days. I called on the XXXX day, XX/XX/23, and was told XXXX days was incorrect. My funds will not be released until XX/XX/23. There is no disclosure of this additional 10 day hold of my funds after maturity in any of their materials, from inception to the letter and email stating my CD was about to/ had matured. This is a deceptive practice, and an aggressive way to keep my funds and allow them to automatically renew for another XXXX mos. ( During a second call on XX/XX/23, I was told I could call a few days before maturity to get the new interest rate and give instructions on closure or renewal. I told the representative this information should have been in their email and letter- it was not. )
Consumer complaint received 2023-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Steel River Systems, LLC (FL)

Steel River systems LLC -debt collector The letter states that I had an account with XXXX XXXX XXXX with the account number XXXX estate said the account is now owned by XXXX XXXX systems XXXX XXXX XXXX account XXXX negative check-in as of XX/XX/2008 the amount is {$5.00}, XXXX... 
The name on the letter is XXXX XXXX .... With my address.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXY XXXXXXXX XXXX XXXX XXXX  XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$1800.00}.
Consumer complaint received 2023-12-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (CA)

My truck was impounded multiple times ( at least 7 ) due to overdraft fees and payments not being processed. I had to pay gate fees, late fees, I was almost evicted from my house one time from having to utilize all my funds just to get the truck back to get to work and back to pay the rest of my bills. This was in the year between XXXX i ended up losing my job for not being able to get to work on time multiple times due to WF errors. It was my XXXX XXXX XXXX. Please look into this.
Consumer complaint received 2016-04-07
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Asset Mediation Partners LLC (OH)

On XXXX XXXX, XXXX, I was contacted at my place of employment by a person calling himself " XXXX. '' He said he was a processing agent and had legal paper to serve me at my workplace and papers to give to my HR department to start garnishing my wages. He advised me to contact XXXX XXXX XXXX at XXXX to stop the process of serving me. He would not give me a callback number or tell me what company he worked for. The called id was UNKNOWN. He called may office phone several times in a row and also spoke to our receptionist and left a message with her. I contacted AMP and then was told it was Asset Mediation Partners and the I had taken out a payday loan with XXXX XXXX XXXX in XXXX XXXX and had defaulted on said loan which is fraud and theft by deception. He said I could only pay the {$1400.00} by credit, debit, or PREPAID card. I asked for a debt verification letter which was emailed to me. I then called XXXX XXXX XXXX to verify that I had an outstanding debt with them. They informed me that I do not and never had. Their records do not match my name, address, or social security number. I called Asset Mediation Partners back and told them the debt could not be verified. The person then advised me to call XXXX XXXX XXXX to verify their records. I told him I already had and the debt could not be verified and I did not owe it. I asked him to send me a copy of the papers I was to be served with and he told me he had no idea what those papers contained. He claimed the " location service '' has the paperwork and he is not familiar with what would be in them in the State of Ohio. I asked him what paperwork would be given to my employer in order to garnish my wages and again he could not answer the question. He then advised me to call XXXX XXXX XXXX 's corporate office, which I already had, in the morning and then call him back. The debt does not belong to me. I did email back a letter to advise them to not contact me at my home or place of employment anymore and that I am filing a claim with the CFPB. I also looked up their website athttp : //www.assetmediationpartners.com and the phone number they list on their website is not a working phone number.
Consumer complaint received 2024-03-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (GA)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-19
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

To update this suspicious information, I sent a letter to the XXXX credit bureaus. I believe that these items have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: The Aligned Company DBA Extra (TX)

RE : XXXX ; XXXX, Extra ; Account # XXXX Per the FCRA, as a federally protected consumer I have never received notice nor any disclosure to opt out per 15 USC 6802. 

Also, as a federally protected consumer I have never received any disclosure on XXXX, XXXX nor EXTRA privacy policy disclosing of the sharing of any private and personal information per 15 USC 6803. 

Furthermore, Per the FCRA, as a federally protected consumer I am now opting out of any and all authorization, I the consumer may have given you whether written, unwritten, verbal, and non-verbal per the rule making of 15 USC 6804 and the enforcement per 15 USC 6805. 

Per the privacy act of 1974, the financial institution EXTRA violated their terms and conditions against me as they promised not to share my banking, personal, and private information with non-affiliates. I am demanding that each party included in this letter provide proof of this authorization to have and share my information. The credit agencies keep stating the bank gave them authorization to have information, but my institution says they dont give it to non-affiliates. 

Lastly, this account is reporting inaccurately across all credit agencies and needs to be updated immediately to paid as agreed reflect all payments made on time to be accurate. Per the FCRA a report containing information between a consumer and the person making the report is excluded per 15 USC 1681a ( 2 ) ( A ) ( i ) I am seeking compensation for these violations and damage that has caused me great hardship in life and for the account to be updated as paid as agreed. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-10-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (FL)

My car needed to be fixed, I got my car from USA auto sales. I spent XXXX + to fix my car because when I filed a claim they said they couldnt do nothing about it because they had shut down and and my contract was no longer available to fund. So I had to pay out of pocket to get my car fixed when it was supposed to be under contract. Thanks!
Consumer complaint received 2017-03-16
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (NC)

Greetings, My complaint is that " Wells Fargo Bank '' has been over drafting my personal checking account from time I opened it in XXXX in XX/XX/XXXX until XX/XX/XXXX, After 2 - 3 years I transferred my accounts to XXXX, Yet each Month they targeted me due to having a low account balance and found a way to " Over Draft '' me ... .Finally it got to be too much for me and they closed my account for none payment, Paying my over drafts each month I still managed to open a business checking account along with a secured business credit card with a {$500.00}. limit, Eventually from receiving too many over drafts It got to be too much and they closed my business checking account, After numerous complaints Wells Fargo gave me credit on my accounts XXXX out balance before closing them, Shortly after providing me with a {$67.00} balance on my secured business credit card, Within 6 weeks without using it they also closed that account leaving me with a fictitious balance saying I took out a XXXX for {$5.00}, My goal is to reach out to all Advocates, Publicity, Consumer Affairs, XXXX who are familiar with Wells Fargo 's cruel practices, O.C.C. and many more, But I will be filing Court proceedings this morning to the Executive & Corporate Bank Office of Wells Fargo in XXXX XXXX ( XXXX Hours away ) all being done EMMEDIATELY Thru the Grace of XXXX!!!
Consumer complaint received 2023-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AXOS FINANCIAL, INC. (NJ)

On XX/XX/XXXX I filed a dispute via the online portal with my bank ( Axos Bank ) for {$400.00} for an ATM transaction in which the machine did not dispense my money. 

On XX/XX/XXXX I was contacted via phone call by axos bank dispute team to collect information about the dispute. I was instructed to fill out the dispute affidavit and email it back as well as forward any helpful information that could aid in the investigation. I sent the affidavit back as well as a picture of the machine malfunction. XX/XX/XXXX I received a follow-up email stating that if the investigation could not be concluded within XXXX business days that I would receive a provisional credit for the disputed amount while they conduct their investigation. I was told I would be contacted with an update after XXXX business days On XX/XX/XXXX marks XXXX business days and I receive no credit or no follow-up email. I contact the phone line for Axos bank dispute team and kindly ask for my provisional credit and was told it would reflect in my account by the end of the business day. 

On XX/XX/XXXX I still receive no provisional credit and contact the phone line again. This time all I am told is my case is being worked on and my inquiry was forwarded to proper team. I had made a request to speak with a higher authority and was denied. I requested for an explanation as to why my consumer rights were being violated and no answer but " I advise you to just wait the 45 days sir '' is being given. 

On XX/XX/XXXX still no follow up email or provisional credit. It has been XXXX business days at this point and I believe this financial institution is flat out refusing to offer a provisional credit even though this falls under Regulation-E. I have no choice to submit my formal complaint in the hopes this is promptly handled. Any attachments provided is communication I've had regarding this dispute as well as proof to the dates that the affidavit was sent to them and the initial dispute was opened.
Consumer complaint received 2023-12-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC (VA)

I am an XXXX XXXX XXXX in the XXXX. I recently sold my property, the property closed on XXXX XX/XX/2023 ; Cross Country Mortage ; the lender was to issue me an escrow refund in the approximate amount of {$5600.00} and some change. I was not aware of this until I actually contacted XXXX XXXX for another issue. Cross Country informed me they sent me the escrow check on XXXX XX/XX/2023. I currently have mail forwarding to my new address and did not receive the check. I called them back approximately on XXXX XX/XX/2023, and updated my address with them so they would reissue the check to my new address. Cross Country informed me it could take XXXX weeks to reissue the check. I still have not received my money, I called Cross Country mortgage on XXXX XXXX XXXXCross Country told me they had not reissued the check as of yet and it would take 30-90 days to reissue the check. I just moved across the entire country that is not a cheap move, I need this money in a timely manner. I believe they are not going to send me my money in timely manner. I have never missed a mortgage payment and they are sitting on my money accruing interest. They will not send my check with a tracking number at all, they stated they send all checks regular mail.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

5 U.S C Code 1666b A creditor may not treat a payment On a credit card account Under an Open end Consumer credit plan As late for any purpose, unless the creditor has adopted reasonable procedures designated to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mail or delivered to the consumer no later than 21 days before the payment due date.

15 U.S.C 1681a ( 2 ) ( B ) can not report containing solely as to transactions or experiences between the consumer and the person making the report 15 U.S. Code 6802 16 U.S Code 1681A 2 ( A ) transactions are not included in the consumer report Please remove This late payment for XXXX XXXX for XX/XX/2023 And update this account immediately to paid as agreed as you are in direct violation of several laws under The fair credit reporting act.
Consumer complaint received 2022-12-19
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: JPMORGAN CHASE & CO. (NY)

Hi, JPMC is reporting/furnishing incorrect dates, amounts, negative items and false payment history to my credit report based on the insufficient investigation results. This intentional XXXX  discrepancy need to regulated and removed. 
- The charge off dates are years apart and incorrect - Status update dates are years apart and incorrect - The payment history are years apart and incorrect Based on the before/after results the following issues got worst : BEFORE COMPLAINT RESULT Account name : JPMCB CARD Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (IL)

In XX/XX/2018, applied for and was accepted for the Citibank checking and saving bonus of {$400.00} for depositing and maintaining a {$15000.00} balance in one or both of the checking and savings accounts for 60 days. I opened the accounts online and on XX/XX/2018 I went to my nearest branch to deposit the {$15000.00} and fill out the required forms. The teller asked me which account I wanted the money in. I said the one with the higher interest rate. She therefore put the deposit into the savings account. I made a few calls to Citibank on XX/XX/XXXX and eventually spoke with XXXX who confirmed that I was eligible for the bonus after fulfilling requirements. I also received an email confirming this as well. The {$15000.00} has remained in the savings account untouched for 90 days, however the {$400.00} bonus has not posted. I noticed that Citibank closed the checking account without warning despite having the required {$15000.00} in the linked savings account. I have called Citibank today XX/XX/2018 and was on hold for 30 minutes. I called again and got frustrated by not knowing which of their prompts to use to get through to someone to to talk to about this. It is always hard to get to someone who can help and takes up a lot of time.
Consumer complaint received 2023-12-13
Product: Credit 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: BMO Bank, N.A. (IL)

Card was locked, thus no transactions should have posted. $ XXXX in charges occurred. I said the card was blocked and thus their error. 
They are saying they were recurring but are not. This means their way of locking a card is to close it. There are no disclosures.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (FL)

I noticed unauthorized inquiry on my credit report. In accordance with the FCRA Fair Credit Reporting Act, the account listed below has violated my Federal protected consumer rights to privacy and confidentiality under 15USC 1681. Credit card was opened in my name with XXXX XXXX XXXX XXXX Balance showed {$10.00} which was sold to collection company, LVNV Funding LLC, showing a balance of {$460.00}. XXXXXXXX XXXX XXXX  charged off the debt after not receiving payment. Once charged off, they write it against their taxes. After 4 months this becomes taxable income. Therefore, a company can no longer try to collect the debt, nor sale to a collection company. This is illegal and a violation. They " XXXXXXXX XXXX XXXX '' can not charge off the debt and try to retrieve or dell debt to " LVNV Funding LLC ''. Therefore, this alleged debt must be deleted and removed from my credit report. According to FCRA Fair Credit Reporting Act, unauthorized the items must be removed.
Consumer complaint received 2023-12-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

My Nelnet student loan payments are not processing. I received email correspondence stating that the account associated with my automatic withdrawal had insufficient funds. That account at no time had insufficient funds. I've also submitted a payment using the " make a payment '' option and it is still processing after several days. 

The Nelnet website discourages email. I've called and emailed. Call wait times are always over an hour. 

My loan number is XXXX.
Consumer complaint received 2023-12-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: GOLDMAN SACHS BANK USA (NY)

The new loan servicer is unable and incompetent at locating payments I've made. 

I made my XX/XX/XXXX payment on XX/XX/XXXX and XX/XX/XXXX through the Marcus App and neither Marcus nor the new loan servicer can find the payment. I am not paying again for XXXX when I've already made the XXXX payment. I've called the last five days and both aren't able to do anything. I'm not making another XXXX payment.