davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (MD)

Dear Sir/Madam, I am writing to seek help with resolution of an issue with Suntrust Bank. In brief, I closed an account with Suntrust approximately 2 months ago. I was assured that a check would be sent to me with the existing funds ( ~ {$3400.00} ). When nothing was received, I contacted Suntrust, which confirmed that a check had been sent. I receive mail every day. While puzzling that the check was lost in the mail I gave Suntrust the benefit of the doubt. Suntrust ( customer service ) assured me XXXX XXXX XXXX that a new check would be sent. Again, nothing was received. I proactively contacted customer service again this week XXXX XX/XX/20 XXXX. During the call, the customer service representative investigated and reported back that a check was not indeed sent. Rather, a form would be needed to obtain a new check. They insist that the form be taken to a branch of Suntrust. I complained sufficiently that they emailed me the check rather than forcing me to go to a branch to pick it up. I have several problems with how this has unfolded. 

Foremost, given that this is the 21st century ( not to mention a pandemic ), there are a myriad of different ways in which those funds could have been returned ( including electronic transfer ). This seemed deliberate in its intent to stall the return of my funds. 

Second, their process deliberately relied on my actively pursuing them for the return of the funds. I asked the customer service representative directly : what would have happened had I not continued to contact the bank? Again, this seems highly problematic. 

Third and most importantly, I still have not received the funds, 2 months after closing the account. The bank has collected interest and inconvenienced me, while arbitrarily inserting obstacles to what should be a very simple transaction. The form is unintelligible and does not apply directly to this transaction i.e. it requires a notarized statement that something was lost. Again, there is no utility to this outside of prolonging the process. Specifically, there is no risk of duplication as Suntrust has already verified that no check was ever cashed and the bank is able to cancel the original check assuming one was really dispersed. I am frankly skeptical it was ever sent. 

Any help in resolving this is appreciated. 

Sincerely 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, MD XXXX XXXX XXXX
Consumer complaint received 2020-12-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NAVY FEDERAL CREDIT UNION (LA)

On XXXX XXXX I sent Navy Federal an Affidavit of Truth pertaining to Federal Privacy violations I received on my credit card statement along with an invoice for {$5000.00} for the violations.
Consumer complaint received 2020-12-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY (PA)

I recently opened an American Express savings account. 

I have several problems with American Express : First, this morning I logged into my account and clicked on 'search ' to see how to sign up for paperless statements. When I tried to sign up for paperless statements, it had logged me out of my account. When I tried to log back in, it did not recognize my username and / or password. ( It may have taken me to a login page for a credit card, rather than the savings account? ) I went back to the sign in page for a savings account and again was not able to click on 'paperless statements ' without being signed out of my savings account. Why does American Express have such an unprofessional website? 

Second, just now ( evening ) I tried to log back into my American Express savings account. However, when I clicked on 'email me a code ' to verify my login, it did not send me a code. It did this twice. I phoned American Express ( XXXX ) and spoke with XX/XX/XXXXXXXX ' who said that the system was down for maintenance and I should try to log in later. There was no notice on the American Express login website informing the client about the shutdown - why? Other banks put a notice on the login website when their site will be down. 
And XXXX was unable to tell me how long the system would be down for. Why does American Express not inform their clients of shutdowns, and why don't they inform their employees how long the system will be down for? 

Third, I also asked XXXX how I could fill out a Pay-on-Death / Transfer-on-Death form to leave my account to a charity in the event of my death. She said that American Express does not allow clients to have a charity as beneficiary. Why? Every other bank allows a charity as a beneficiary. This is definitely NOT in the client 's best interest.
Consumer complaint received 2018-03-21
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. (CA)

I HAVE BEEN DEALING WITH A ACCOUNT FROM XXXX XXXX SERVICES THAT DOES NOT BELONG TO ME AND AND EXPERIAN THRU THERE DISPUTE HAS NOT CORRECTED THE ISUE IN OVER 4 MONTHS THIS DISPUTE STARTED IN XX/XX/2017 FROM XXXX INCORRECT REPORTING I HAVE PROVIDED ALL THE DOCUMENT NECESSARY TO BLOCK AND REMOVE THIS ACCOUNT ACCORDING TO THE FCRA AND EXPERIAN CONTINUES TO REPORT THIS XXXX ACCOUNT # XXXX ON MY CREDIT REPORT,
Consumer complaint received 2020-12-16
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: SYNCHRONY FINANCIAL (PA)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, XXXX XXXX XXXX, on XXXX XXXX, 2020, XXXX XXXX and on XXXX XXXX, 2020, SYNCB/PAYPAL add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization 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.
Consumer complaint received 2023-06-23
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: EQUIFAX, INC. (PA)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$2700.00} XXXX XX/XX/XXXX
Consumer complaint received 2018-03-20
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. (TX)

The following are incorrect inquiries on my report. I did not authorize these. 

XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-12-16
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: EQUIFAX, INC. (GA)

On XX/XX/2020 I disputed these accounts with the credit bureaus. It has been over 60 days and the fraudulent accounts are still reporting on my credit reports. I thought the credit bureaus had 30 days to complete an investigation 611 ( a ) and if they don't that is automatic grounds for deletion. Clearly it has been over 30 days. I am stressed out about this and being a victim of the Equifax data breach just makes the situation worse because my information could have gotten in the hands of scammers. These accounts should be deleted from my credit reports.
Consumer complaint received 2020-12-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (PA)

I recently refinanced my mortgage through XX/XX/XXXX. 

The loan was serviced by " XX/XX/XXXX '' for about a month and has now been transferred to AmeriHome Mortgage. 

I made my first mortgage payment due XX/XX/XXXX plus an additional {$900.00} principal payment to " XX/XX/XXXX '' on XX/XX/XXXX. 

This payment is not currently reflected on my account balance with AmeriHome Mortgage. I have contacted AmeriHome Mortgage twice to inquire when the funds will be transferred from XX/XX/XXXX to AmeriHome Mortgage and reflected on my account. 

They have not been able to answer this question. All they have said is that they will not report me as paying late for 60 days and the payment will be reflected when the funds are transferred. 

In the meantime I have received two phone calls from AmeriHome Mortgage to discuss why my my first mortgage payment due XX/XX/XXXX is late. 

I would like assistance in ensuring the funds are transferred and reflected on my account on the correct date. 

In addition, when I first reached out to AmeriHome Mortgage I provided them with a copy of my statement from XX/XX/XXXX and my bank statement showing the missing mortgage payment.
Consumer complaint received 2023-01-10
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. (ID)

All three reporting agencies I have submitted disputes with. They either dont do nothing or the actual dates and info gets changed. Or they wont remove items. When I know they have been altered. And they have removed items and then XXXX weeks later they add them back on and I have disputed that as well. But overall they dont do justice as in fixing or deleting anything
Consumer complaint received 2020-12-16
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a situation here since XXXX I have reported to credit bureaus including authorities that XXXX XXXX XXXX XXXX XXXX California XXXX is an unknown address in other words I'm not a resident of that address. Even though I have alerts, place address as unknown, I receive confirmation that this will be taken care of. Since XXXX I notified authorities if they see anything unknown or anyone calling in, or using my identity or accounts in anyway take action immediately. To no avail XXXX XXXX, XXXX, etc someone has altered my name, using including middle initials, addresses using my identity, it goes, stays on my identity, even when authorities can see that all kinds of names with XXXX or altered, unknown address, accounts, activities that are not mine credit bureaus, XXXX at XXXX XXXX XXXX XXXX XXXX California XXXX is not responding, gee I wonder why the real person with the real identity is reaching out for help that someone is using my identity, personal information at their address, no is responding. Why would it be so unusual for them to not respond. You would they would contact authorities or walk into room after room at XXXX XXXX XXXX XXXX XXXX California XXXX, ask this imposter to seriously prove if they are me. I gave a XXXX XXXX staff ( at XXXX XXXX XXXX in XX/XX/XXXX, never looked back ) a hug, entered cab, said thank you, that's it. How is this connected to Capital One, my credit report, XXXX XXXX XXXX XXXX XXXX California XXXX I am told by authorities that Capital One is more authority, this so called person pretending to be XXXX XXXX XXXX is pretending, reporting to be me. No matter where I live for example Maryland Capital one, this person ( And yes I have to have all the other altered names ( deleted, places I've never been ) ( because this these persons used my personal identity, other addresses, I am constantly to authorities since XXXX that someone is using, accessing, my personal information. I am a Victim ) Capital One I'm told, this person from XXXX, XXXX, almost XXXX has only known, reporting, primary address you name it even when I had no card, no access online this is the primary address which is taking over my identity as primary. I say I'm not a resident to this unknown address from XXXX to XXXX almost XXXX credit bureaus say I have no authority. That Capital One, this person overrules this as my address. You see something unfamiliar you report it correct, gov, agencies assist to remove an unidentified address. I could be in Maryland as an example but this is the only as recognized, that is the only address they will use to identity me. Authorities will only identity me with this unknown address saying I'm a resident to this unknown address. This is truly messed up.
Consumer complaint received 2019-12-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Moore Law Group (CA)

This is a debt collection agency. I have received numerous harassing calls from them and a threatening letter of intention to sue me after I asked them via certified mail which they received on XX/XX/XXXX, to validate the debt is mine. All I've received are statements that anyone can make up. I have not entered into any contractual agreement with this company ever, and I've asked them to send me proof that I owe them anything as I do not know them. I'm asking for a copy of the original contract that showed I agreed to pay them what they say I owed them, along with my signature and a complete accounting from XX/XX/XXXX - XX/XX/XXXX. Under the fair debt collection practices act, 15USC 1692g Sec. 809, your claim is disputed and validation is requested. I've also asked you to provide me with your license numbers and Registered Agent which I have also not received from you.
Consumer complaint received 2020-12-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XXXX XXXX  was voluntarily XXXX in XXXX. BOfA said we owed {$30000.00}. They agreed to monthly payments of {$350.00} to be paid by direct deposit until the debt was paid off. They stated that we would have to call a number every three months and set up payments for the following three months. This debt was written as a charge off and comes out of our bank account as a mortgage. In XX/XX/XXXX, we made our payment like normal, but the customer service rep saw a glitch in the system. We confirmed with our bank the payment went through and BofA confirmed it on their end. In XXXX, we get charged twice. Once for an amount of {$350.00} like normal, but then there was a payment of {$300.00}. We called them immediately and the customer service representative stated we broke our agreement and did not pay in XXXX, therefore the Bank can take what they want out of the account. After reaching out to a supervisor, we get a response that it was a glitch in the system and that they would process a refund check for the {$350.00}. After waiting weeks for the check to come back in the mail, we called again and got the run around with the " manager '' XXXX, that said we needed to now show him proof with a bank statement that they took two payments out. We are getting ready to show him that now. However, now our XXXX payment has come out and it is once again a double payment. The bank refuses to own their system mistake and we are paying for it.
Consumer complaint received 2020-12-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (OH)

Effective XX/XX/XXXX my mortgage company XXXX XXXX XXXX XXXX was purchased by LoanCare , LLC. With XXXX XXXX my due date was the XXXX of every month and considered late after the XXXX of each month. In XXXX & XXXX of XXXX I was charged fees for late payment, however both payments were made and posted before the XXXX of each month. I recently heard through an employee of FDIC that mortgage companies can not assess those type of fees on assumed loans with out the proper notification to the home owner. 
So, I reached out to my " new '' mortgage company XX/XX/XXXX requesting a refund of the {$15.00} assessed late fees ( {$5.00} in XXXX & {$10.00} in XXXX XXXX. 
In response to my complaint I received an emailed copy of their payment fee schedule they took from their website showing the following information : On or before your due date No fee 1-4 days after due date No fee 5-9 days after due date {$5.00} 10 days or more after due date {$10.00} Over the automated system is {$12.00} at any time. 
All loan payments made with a live agent will be assessed a {$15.00} fee regardless of the date of payment. 

In the original paperwork I received about the transfer of mortgage companies there was nothing highlighted or printed in bold describing the change to my new mortgage payment schedule nor did I sign any document showing I was aware of the LoanCare 's payment fee policy. I feel this company 's practices are both deceptive and unfair. They clearly did not address my refund request and overall I feel taken advantage of by LoanCare , LLC. I understand that it is only {$15.00} but I can't imagine how much money they have made by taking advantage of former XXXX XXXX customers who didn't speak out about this deceptive practice.
Consumer complaint received 2020-12-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION (MD)

Received a letter from M & T Bank, stating that they are closing my account. Reached ou to them, but they were mute on the specific reasons in doing so. 
The following are the facts : Open the account about 8 months ago. NEVER have I submitted a false check deposit. Maintain a balance of about {$4000.00}.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (WI)

I RECIEVED A COPY OF MY CREDIT REPORT AND NOTICED SOME HARD INQUIRIED THAT I DO NOT RECOGNIZE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/XXXX I attempted to send money via XXXX. I was notified by the recipient they had not received the funds. I called XXXX and was told to download a security app and then various transactions began to come out of my account. I thought I was working with XXXX and it was a scammer. I contacted my bank immediately with the assistance of my daughter and granddaughter to file a claim. Now, the bank is stating I owe because the thieves provided documentation I authorized, which is fraudulent. 
Later I was notified I lost my job and someone filed unemployment benefits in my name. Now, I have to review my entire life to repair it.
Consumer complaint received 2020-12-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MS)

I made a payment on the due date that posted the following day resulting in it being late by 1 day. Im not disputing the late fee its the amount due and past due charges that I cant get any cooperation in resolving. Because I made the payment my account should have been current. Instead I had a past due amount of {$25.00} and a minimum due of {$87.00} the next month. My minimum payment was {$42.00} prior to being 1 day late. The supervisor told me that my payment increase is because I was late. Nowhere in the credit card agreement does it say this or that late fees must be paid immediately. Normally late fees would be added to your balance. Synchrony bank is a predatory Lender and will continue to be. My account was also closed by the supervisor and another account with synchrony I had never used. I can provide a copy of my credit file. I have zero late payments with any of my creditors revolving or installment. I was never late with my synchrony account until this payment posted a day late which is my fault. I just dont understand the doubling my payment and {$40.00} late fees because I am not paying the higher payment. I continue to make the required minimum payments I was making prior to this
Consumer complaint received 2020-12-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I purchased a vehicle from Credit Acceptance in 2016 with gap insurance and a warranty. Shortly after purchasing the vehicle started to have problems staying on and during driving. I contacted credit acceptance and informed them to come and get the vehicle which they did not comply. At the time the vehicle had stop running and is no longer running. Despite my request, CAC sent me a discharging the lien of the vehicle and put the balance on my credit. I do not owe this company as a result of their action