davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (CA)

COMPLAINTANT has opened a bank account with " Suntrust '' on XXXX. Login and mobile access were operational until around XXXX when authentication tokens were generated as well as emails to remind linking external accounts were being sent. 
On XXXX at XXXX XXXX PST, Suntrust claimed that mobile access was suspended due to an " investigation '' that was started on XXXX. When COMPLAINTANT reminded Suntrust employee that access was working until XXXX and later on, the employee walked back on that statement and claimed XXXX was when investigation was started as well as stating that XXXX was actually the date when the accounts were created. Representative was not clear on ( 1 ) how or why this " investigation '' was started nor ( 2 ) how suspicious reasons were randomly  detected, after calls for a different matter on XXXX around XXXX XXXX PST addressed no such concerns. 
It seems that this " investigation '' was started not because COMPLAINTANT has triggered the system 's fraud alert on certain criteria on its own, but by some manual review or interventions by the employees. 
COMPLAINTANT noted that no email, text or mail notice were sent by Suntrust to notify the COMPLAINTANT of sudden suspension of online access for 9 days. But rather Suntrust was waiting for COMPLAINTANT to reach out to Suntrust after being unable to access the online account for 9 days. It is baffling as to whether there is a rigid set of procedures where Suntrust detects anomaly and sends notices. ( Or whether it would have ever notified COMPLAINTANT of this " investigation '' and " suspension '' until COMPLAINTANT reached out to regain access to mobile banking ).
Consumer complaint received 2020-03-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

I made an advance payment of my mortgage loan in XX/XX/XXXX of XXXX {$45000.00}. 

Wells Fargo Home Mortgage never contacted me about the payment and arbitrarily applied it to future payments for the next year without reducing my principal. As agreed with the lender, I continued to regularly make my monthly payments without missing any payments. I discovered 2 weeks ago on XX/XX/XXXX to my great surprise that the principal payment still had not been applied 1 year and 5 months later! Furthermore, my request for them to immediately apply the advanced {$45000.00} payment to reduce my loan payment was DENIED on XX/XX/XXXX. They informed me of that when I called again on XX/XX/XXXX. Not only did they refuse to refund me for 1 year and 4 months of interest for the period they held my {$45000.00}, but furthermore they informed me they insist on STILL KEEPING my advanced principal payment of {$45000.00} until XXXX of XXXX still without reducing my principal and insisting I pay interest on the {$45000.00} as if I never made the payment. That is 2 years and 4 months they are insisting to keep my {$45000.00}, without reducing principal, and still charging me interest on the {$45000.00} for the 2 years and 4 months. 

My loan does not have a pre-payment penalty and advance payments are supposed to be made to principal. Without my permission they changed my account to send advance payments to future loan payments without applying to principal I was informed by XXXX the call center agent on XX/XX/XXXX. The call center agent informed me that the bank had changed my account posting logic to set up my account to pay payments in advance instead of to principal automatically. This was never approved by me, and I was never notified of this change. 

I need help to have my {$45000.00} immediately applied to reduce my principal balance which they are refusing to do versus Wells Fargo just keeping it and continuing to force me to pay interest on it. I can not effort to keep paying interest on money I paid to them for 2.4 years.
Consumer complaint received 2023-01-29
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: General Motors Financial Company, Inc. (CA)

GM financial refuse to correct the amount of the loan. The dates of the long the last payment made refused to send me any information regarding the loan regarding the sale of the car after repossession they did not notify me prior to selling the car each time I requested it, my request was denied. I contact each credit bro agency to get it updated to get it corrected. Nothing is done like it is the company has verified information. The company has not verified any information with me or giving me any type of documentation, showing the long the amount owed or anything
Consumer complaint received 2020-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (KY)

I signed up for a Amazon credit card through Chase bank.. A month  or so later, I received a call from chase, wondering when I was going to pay my overdue bill.. I immediately paid the bill in full over the phone on the first call.. 
When I asked why I never received a bill, I was told that upon agreement, I agreed to it. That if I wanted a paper bill, I would have to call or go online to opt out of paperless billing. 
I received notification of a reported late payment on my credit report.. JCMPB card over 30 days late, with an overdue amount of $ XXXX..I dont believe Chase should hide the paperless agreement in the fine print at signup. Im sure it saves them money by not having to send bills out, but they should request the customer to go paperless. Instead, they force the customer to go paperless in the fine print that no one really reads, and then blames the customer for late payment when they receive no bill in the mail, to remind them to pay it.. 
It seems predatory to me that are doing this to save themselves money from mailing bills. On top that, they reported a 30 day past due amount of {$0.00} that trashed my credit score.. If I was late on a XXXX bill, how can I be late ... if I owed nothing? Chase customer service told me you can contest it with the credit bureaus if you want to.. Why should I have to contest being late on {$0.00}?
Consumer complaint received 2020-03-28
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. (TX)

I've submitted the proper documentation to XXXX, Equifax and XXXX  showing that I've been the victim of identity theft. Nothing has been fixed or removed from my credit. This is impacting my score and personal life.
Consumer complaint received 2020-03-28
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)

I've submitted the proper documentation to XXXX, XXXX and Transunion showing that I've been the victim of identity theft. Nothing has been fixed or removed from my credit. This is impacting my score and personal life.
Consumer complaint received 2020-03-28
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dear Bank of America : This letter serves to request the cashiers checks be released from the CLOSED Account of XXXX XXXX XXXX, XXXX, business checking and savings account. 

The FDIC Law, Regulations, Related Acts and 6500- Consumer Financial Protection Bureau provide laws and specific guidelines that protect consumers when bank accounts are closed. XXXX XXXX XXXX XXXX, is within this class of protection. Bank of America is within its depository rights to close the accounts, but can not capriciously hold the funds, harass me, interfere with my constitutional rights and hurl XXXX  XXXX onslaughts! 


Bank of America initiated closing both the business checking and savings accounts on XX/XX/XXXX denying access to funds. 

Bank of America completed their investigation of XXXX XXXX XXXX, XXXX and submitted a Notice of CLOSURE dated XX/XX/XXXX. The NOTICE stipulated that funds from the account would be mailed 3-5 business days in the form of cashiers checks. 

Bank of America, various departments have been contacted from XX/XX/XXXX until XX/XX/XXXX when the cashiers checks were not received. Their is no justification to hold my funds denying my constitutional rights to life, liberty and the pursuit of happiness ( unpaid mortgage, utilities, insurances, food and clothing ). 

Due to the blatant and appalling hold on the cashiers checks ; I am further requesting compensatory and punitive damages be assessed accordingly for each day after the legal time, Monday, XX/XX/XXXX. 

I AM, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX https : //www.consumerfina Sent from my XXXX
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To  Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

I have contacted this company through the credit bureaus multiple times to have this unverifiable account removed from my credit report. They are refusing to remove it NOR have they provided me with validation bearing my signature, DESPITE being contacted FOUR times between XX/XX/XXXX and XX/XX/XXXX. It needs to be removed immediately because its affecting my credit report in a negative manner.
Consumer complaint received 2020-04-11
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Select Management Resources, LLC (TX)

I made one payment to this company and maintained constant contact. They have been very rude since Ive been unable to make payments and have told them repeatedly that I am voluntarily surrendering the vehicle. In order to charge more interest, they keep stating they arent in the car selling business and keep my loan open. Loan start was XX/XX/XXXX with a 700 % interest rate. They stated that if I paid only interest at {$780.00} a month, I could renew my loan after 5 months, still not paying down the initial principal of {$2800.00}. I told them in XXXX of XXXX that I was unable to continue to make payments because I was unemployed. This was when they responded with they couldnt take possession of the car.
Consumer complaint received 2020-03-16
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (MA)

I XXXX XXXX is taking time to submit a complaint against Wells Fargo Dealer Services as a member of the XXXX Community, believing that a collection is being posted against me as a violation of my rights under the Fair Debt Collection Practices Act. The problem on this collection of {$1400.00} that is reported on my credit bureaus is from a car accident I had back in 2019, whereas there was gap insurance that should have covered the loss of my vehicle to cover the no-fault portion on coverage from another carrier. The problem being that the vehicle was aged and the value was far less that what was owed on it. Wells Fargo Dealer Services has its own internal insurance based on these types of scenarios that are also reported in their 10Q quarterly filings with the Securities and Exchange Commission. This collection is what can be termed a double-dip on profitability. In essence, this shortage has already been covered by WFDS and their internal reporting process on charged-off secured debts, and the balance should de deleted altogether, my credit report should be updated to PAID IN FULL, and the charge-off status must be deleted permanently. WFDS is using a XXXX  accounting system that hurts consumers in the XXXX Community, and I believe that if the Consumer Financial Protection Bureau ever gets into an internal audit with WFDS, it will find that XXXX  is a part of its back end profits they simply are not entitled to. My credit report is being held hostage for a minor profit that may sound small in scale to the wealthy corporate giant like WFDS, but believe me, this negative reporting has hurt me badly financially. My balance must be XXXX   immediately, and as a professional courtesy by WFDS, the entire account should be deleted off of my credit reports with XXXX, XXXX  and XXXX XXXX collectively. WFDS is also violating its subscriber agreement with all bureau in this corrupt and egregious reporting on a debt that was already covered through WFDS internal self-insurance capacities.
Consumer complaint received 2020-03-28
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. (TX)

I've submitted the proper documentation to Experian, XXXX  and XXXX   showing that I've been the victim of identity theft. Nothing has been fixed or removed from my credit. This is impacting my score and personal life.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

According to the IRS an upaid charge off is income and according to the FCRA income can not be reported on a credit report. I received a 1099-C ( Cancellation of Debt ) for the following charged off account : Account # XXXX XXXX XXXX XXXX XXXX After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account.
Consumer complaint received 2024-09-21
Product: Credit 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. (GA)

XXXX. I received a promotion letter from JP Morgan Chase saying that as long as I booked a flight from Chase XXXX XXXX from XXXX to XXXX, I will be earning XXXX Chase XXXX points. Addtionally, since I'm not making reservations from Chase XXXX XXXX, I could also earn XXXX points. 

Please refer to XXXX from XXXX XXXX. I booked the flight from XXXX to XXXX on XX/XX/XXXX and completed the flight on XX/XX/XXXX. This trip falls into the promotional period. 

XXXX. I discussed with Chase and Chase XXXX from XX/XX/XXXX till now. I have Chase private messaged back and forth at least XXXX XXXXimes. But I'm still not receiving the promotional offer. 
On the letter Chase mentioned I will received the Chase XXXX XXXX after XXXX weeks.
Consumer complaint received 2024-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

Account name
COLUMBIA DEBT RECOVERY
Account number
XXXX

THIS CREDITOR IS IN VIOLATIONS OF MY RIGHTS  UNDER 15 USC 1692 CC
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to once again address a long-standing issue with an incorrect account that continues to appear on my credit report. Despite my repeated efforts to have this matter resolved, Equifax has refused to delete the account in question. As a consumer, I am fully aware that you have a responsibility to ensure accurate and fair reporting across all credit bureaus. This particular account, which is not mine, remains the sole negative entry on my credit report, while the other two major bureaus reflect no such account. This situation is causing significant financial harm, stress, and frustration. I have repeatedly informed Equifax that this account does not belong to me, yet no corrective action has been taken. When I requested validation of the debt, the only response I received was a series of account statements. Statements do not constitute proper debt validation, as validation and verification are distinct legal requirements under consumer protection laws. I am attaching all relevant documentation, including evidence showing that XXXX XXXX has already submitted that the account has been deleted. Despite this, the account continues to appear on my Equifax report, which is both perplexing and unjust. I urge Equifax to take immediate action to remove this account from my credit report. If this matter is not resolved promptly, I will be left with no choice but to pursue further remedies through external channels.
Consumer complaint received 2023-01-20
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. (LA)

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 2020-04-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (CA)

I was never late. My mortgage company sold my Acct to another company called shellpoint. This happened without my knowledge I sent payment to original company. When I received letter from shellpoint stating that my loan was transferred I immediately made payment to them ( payment was even higher than previous bank ) my payment was ever late
Consumer complaint received 2020-03-28
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. (IL)

I've submitted proper documents to XXXX, Equifax and XXXX   showing I was the victim of identity theft. Nothing has been fixed or removed from my credit. Nor are they repsonding. This is impacting my score and life.
Consumer complaint received 2020-03-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Premier Student Loan Center (AZ)

During the month of XX/XX/XXXX, I was contacted by Premier Student Loan Center with information on how to lower my monthly student loan payments. They stated that they were able to forgive my loans because I worked for a nonprofit ( at the time ). The deal was to give them {$600.00} up front to be in the program, then {$30.00} a month for 10 years. 

I just became aware that this company is under a lawsuit as of last XX/XX/XXXX. I have provided information on the lawsuit under this link : XXXX XXXX XXXX
Consumer complaint received 2020-03-16
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: EQUIFAX, INC. (FL)

The accounts is not belong to me or any transaction made by me. Please removed account which I did not open. 
lease investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

According to the XXXX an upaid charge off is income and according to the FCRA income can not be reported on a credit report. I received a XXXX ( Cancellation of Debt ) for the following charged off account : Account # XXXX XXXX XXXX XXXX XXXX After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account.