davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PACIFIC PREMIER BANCORP, INC. (CA)

I have a company that I canceled my subscription in XXXX. I noticed this company trying to withdraw money from my checking in XXXX. 

I notified Pacific Premier bank regarding this issue. I asked if they could place a block on this company to prevent withdrawls from my account bc I had not given them my new debit card number on purpose. 

I was told by a Pacific Premier Bank gentleman who answers at customer service that he had placed a block on my account for this merchant. I said good thank you bc I don't know how they got my card number as I NEVER gave it to them. 

Later in XXXX I noticed a charge for this merchant and contacted Pacific Premier Bank. They told me they'd reverse it. 

I ended up in the hospital that month and was not dc 'd till the Middle of XXXX. I did not have my phone bc phones r banned in hospitals bc they can carry covid into the hospital. 

I noticed when I was dc 'd on my checking account That Pacific Premier Bank had allowed this company to withdraw money in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX even though they stated there was a block on this merchant. 

I called the merchant who stated they were reversing the charges but they never did. I asked them how they got the numbers for the last XXXX debit cards and they refused to give me this info. 

In XXXX my bank had finalized the merger with XXXX ( my original bank ) so they changed cards again. So why did Pacific Premier Bank allow charges on 2 cards that were never given to XXXX?! Especially if they told me there was a block on my account?!! 

Sounds fishy to me!!! Someone in Pacific Premier Bank is giving card numbers out to ppl. 

I spoke to Pacific Premier Bank on XXXX occasions and they told me it was my problem even though they had to have given the merchant my card number and told me there was a block on my account. 

FRAUDULENT ACTIVITY BY THE BANK AND XXXX XXXX. WANT BOTH. INVESTIGATED. 

Plus I've notified the Bank I am unable to access my online bank statements on their site ( on multiple occasions ) and did not authorize electronic statements in the first place.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Please be advised this is my FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 

XXXX XXXXXXXX Open Date XX/XX/2013 XXXX : {$0.00}
Consumer complaint received 2018-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I am a XXXX I borrowed emergency money from my pension from the state of NJ in the amount of {$3000.00}. I used the mobile application for bank of america. It said the funds would be available after XXXX XXXX the next day. The deposit was made on XX/XX/2018 so the funds should have been available on Tuesday XX/XX/XXXX. I get another alert the next day saying there was a 10 day hold until XX/XX/XXXX. I immediately called the bank. They said they couldn't stop the transaction or lift the hold. I wanted to know why I was not alerted at the time I deposited the check as to the hold that would be placed on the check and given the opportunity to continue the transaction. I was also told the funds would be available the next day. then to be told it would be 10 days. I have lost so much money. Funds have come back, I have late fees, I could not pay anything. It is a state check it should not have a 10 day hold. I should have been alerted at the time of the deposited and given the opportunity to go deposit the check somewhere else. As to not have anyway to rectify this and to hold on to that money for ten days seems to me severe and unacceptable and false information was given to me.
Consumer complaint received 2024-04-14
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

To whom it may concern, my had my sister to passed away on XX/XX/XXXX, & then my niece on XX/XX/XXXX. My payment for Synchrony Bank ( Sam 's Club Card ) I had schedule a payment for XX/XX/XXXX. Unfortunately, I forgot I had changed banks and forgot to change the account information online. Synchrony called me with an automated system asking me to reach out to them on XX/XX/XXXX. I called and listened to the message it stated that my payment did not go through. 

The same day I called and made the payment with an associate of XXXX and on XX/XX/XXXX I received an email from them stating that I owed XXXX at XXXX XXXX, I knew that was not correct because the new charges would not be due until XX/XX/XXXX for XXXX shortly after I received another email stating they were processing another payment of XXXX which I did not schedule online as they stated I did however that was fine. I asked the repXXXX on XX/XX/XXXX when I called in to please not my account I apologized I had so much going on due to the death of my loved ones. She asked me to hold to see if there was going to be a late fee and if so call back and they would waive that. When she checked she stated there would be no late fee. 

However, today XX/XX/XXXX when I attempted to use my card Synchrony Bank had closed my card without any warning. The representative was as perplexed as I was she stated she would try to have the card re-open upon doing so she could not and said she was speaking with her supervisor. When returning to the line she said the supervisor said there was nothing they could do I would have to reapply. As I stated to the associated do you all understand this is affecting my credit and not acceptable. I have never been late or a payment returned, so you are telling me there is no room for error and you just close my card. 

I asked to speak with her manager and XXXX got on the line and stated due to the fact it was the end of the billing cycle XX/XX/XXXX if they see 2 return payments they have the right to close my account. I told her I have never had a return payment this was the first time and as she could see it was an error on my part not changing my banking information, so there is no late fee, there is no spending the card they just close the card. She stated yes and she could place in a dispute for me. As I stated to her look through my history, I normally pay before time and rather then on time. I am wanting them to re-instate my card and reach out to all credit bureaus before the hurt my credit.
Consumer complaint received 2021-12-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CHECK INTO CASH INC. (MO)

On XX/XX/2021 I entered into a loan agreement with my local Check Into Cash. On XX/XX/2021 I contacted Check Into Cash in writing ( via email ) and revoked my XXXX agreement. I also called the company to confirm that they received the email. I spoke with a representative that confirmed that the XXXX was revoked and the transaction would not go through my account. She stated that she was passing the information on to the branch immediately. In early XXXX I contacted the corporate office again to give a Cease and Desist order. I asked that only my personal cellphone number be contacted. I did not authorize calls to any other number on the account, including my business phone. 

Today, XX/XX/2021, over a month after my XXXX was revoked, Check Into Cash debited my account for the full balance owed. This left my account extremely negative, is causing other bills to bounce, and is costing me money in overdraft fees. In addition, the local branch as continued to call my business phone. 

This is a direct violation of the Electronic Fund Transfer Act, and UDAAP.
Consumer complaint received 2018-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc. (VA)

I submitted a settlement offer to the company with terms as a contract that stated if they accepted and cash the check that was enclosed with the offer they would remove the negative item form both my husband and my credit reports with all three reporting agencies. The offer was accepted and the check has been cashed and the account has been paid but it is still showing negative on my husbands credit report. I sent the contract to them and it was dated for XX/XX/2018 with check enclosed for the amount of {$27.00} that was cashed on XX/XX/2018..
Consumer complaint received 2021-12-06
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (MD)

I submitted a mortgage application in early XX/XX/2021 to several lenders to compare rates, each lender quickly provided me with a pre-approval letter for the full listing price of the home I was interested in. Please note : I have excellent credit ( XXXX ), sufficient and stable income, low credit utilization, and good income/debt ratios. After comparing loan estimates, I chose Navy Federal Credit Union ( NFCU ) who provided me with a very competitive interest rate, and closing costs. Shortly after obtaining the pre-approval letter from NFCU, the sellers accepted my offer, and I began the closing process. Roughly 3 weeks into the process, I received a call from NFCU informing me my loan application had been denied. Their underwriter cited " poor credit performance with us '' as the reason. When I inquired about the account, they explained it was a credit card I defaulted on over 20 years ago ( at the time I was out to sea for 6 months ). The credit line limit was $ 1.4k, and it ended up going into collections, from there I paid on the debt, until it was satisfied and the account resolved. I asked the loan officer why something over 20 years old, and not on any of my current credit reports, would be used to deny my loan, and why did it take so long for them to make a decision of denial, when I provided all requested documents online within 24 hours. Since I had a specific amount of time to secure the financing, and provide the seller with proof, this also put me at risk of having the contract cancelled by the seller.
Consumer complaint received 2018-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (MD)

On XX/XX/XXXX ( and other dates ) Santander Consumer Usa turned my account in as a charge off for XXXX dollar ( to XXXX ) and a  charge off paid in full to XXXX and XXXX. They also turned me in for being 30, 60, 90 and 120 days late when I was making payments that they suggested. I called Santander several times and they said my principal is paid off and on time ( not late ). They then said that there are fees ( XX/XX/XXXX ) that can be paid off when I can and if I pay monthly payments it will not be shown as being overly late. Santander has on their records that they said that I would not be down as being more than 60 days late and would not charge me off if I made payments. They said themselve 's that its on record three times that this was said and that I'm not to worry. They also said that it is on record that they said the opposite. I reported this to XXXX, XXXX, and XXXX  and not much was done. I need this charge off taken off of my report as I never more than 60 days late. I got this payment down to XXXX dollar and they charged me off. This truly is an unfair act even if Santander never admits fault.
Consumer complaint received 2021-12-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

I was on a forbearance plan with Caliber Home Loans starting XX/XX/XXXX to XX/XX/XXXX. My payments resumed in XX/XX/XXXX which I made. I made subsequent payments in XXXX, XXXX XXXX, and XX/XX/XXXX. Up to today, my account has not been updated. I have placed numerous calls to Caliber, communicating to Customer Service via the website and written on two occasions to Corporate Office. There is no phone number listed for Caliber and Customer Service refuse to give me their contact information. I did receive a letter from the Advocacy Dept saying they would do their research and comply within a period applicable by law. To date, XX/XX/XXXX, I have not heard a back from Corporate. Calibur has been my servicer since I purchased the property in XXXX and never have I experienced such disrespect from a mortgage company. I heard they were bought over by a new company last summer, and I understand they were switching systems, but not applying my payments since XXXX is thieving my money in my opinion. I have been calling every week for months, and I I have been hung up on, yelled at, left on hold for hours at a time, and I am just disgusted that a mortgage company, as large as Caliber, can treat their customers with such low regard. They assigned me to a Single Point of Contact Dept, which was supposed to be only during the forbearance period, but up to today, they refuse to remove it because according to Calibur, I am delinquent on my mortgage. I can not resume my payments online, again because I am still in delinquent status. I am short in escrow, because my payments have not been applied, so my payments have increased significantly. I want to make sure that when all my payments are applied, they will be done so correctly and every penny will be applied where they should. They keep telling me they are running behind and they will get to it, but this is absurd. This is deliberate and hypocritical. There needs to be protocols in place to make sure mortgage companies like Caliber, who feel they are too large and untouchable, doesn't treat customers like this. If they are short-staffed like they have repeatedly told me, then they need to employ more people. We the customers should not be paying for their shortfalls. I have been making my payments and I need to see these payments applied as they should by law. I am sure they will say they have been repeatedly told me they are working on it, but 5 payments behind???? I am in the process of refinancing with them, and that has been put on hold pending the update to the account. I am besides myself with anxiety with Caliber whilst they bounce me around with lies. I am asking for them to please update my account. That is all I am looking for.
Consumer complaint received 2022-09-15
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN ADVISORS GROUP (CA)

AAG continuing complaint, this company still owes us monies, AAG still owe us fees totalling, XXXX they said would be in a second check we've not received. .They are, XXXX for counciling, XXXX for closing quote fee, XXXX for repair fee for Carbon Monoxide detector. .which makes total XXXX dollars, which was supposed be sent to us XX/XX/XXXX XXXX. Response from AAG to send a second check number is, XXXX. We have on our own to contact them on numerous occasions, but to no avail..
Consumer complaint received 2021-12-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I have paid and settled the debt that portfolio recovery has placed on my credit report. I have received a document stating they are deleting the collection off my credit report but its still listed on my XXXX and XXXX credit reports. Im asking the company portfolio recovery to please remove the accounts in all its entirety from all 3 of the credit bureaus. Thank you look forward to hearing your response..
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello there and thank you for helping, I wanted to reach out because I am not receiving any statements or alerts. 

I have never been late, and have always made my payments on time. 

However recently my credit report shows that the XXXX XXXX was reflecting 30 days late, however as you guys can see I did not have access to any of my devices. 

I have the XXXX work authorization forms showing that I had no access to any of my devices for me to be able to make a payment, and even if I attempted to make a payment online it requested a two factor authentication code that I could not receive. 

I reached out to customer service who was no help, I have made a payment and then please requesting to have the negative impact removed from my credit report. 

I never received any physical statements when my bill was delinquent, I understand XXXX and XXXX XXXX is trying to go green however they should still mail a statement to be safe and to ensure their customer is indeed receiving communication that is not electronic.
Consumer complaint received 2018-11-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

On XX/XX/2018 I contacted Navient to explain that my current IDR loan repayment plan was based on incorrect assumptions about my income pulled from my joint tax return from the previous year. I was told to redo my application and submit documentation of my actual situation. I was told that my account would be placed in forbearance for 3 months while this was processed while this was processed. On XX/XX/XXXX, I completed my income-driven repayment plan application and submitted it with supporting documentation directly to Navient. On XX/XX/XXXX, I received an email from Navient stating that my interest had been capitalized and my new repayment amount at the end of forebearance would be greater than my previous amount. My complaint is that I was not given the option to continue to pay a specific amount to cover interest and not have it capitalize and accrue - which according to the email now equates to an additional almost {$1000.00} just for this forbearance period. It would seem like the best practice would be to ask the borrower if they would like to pay the interest and not have it accrue and capitalize and add to the principal by such astronomical amounts, just because their formula did not accurately pick up my current income situation.Forbearance sounds like a helpful term, but in this case it only helped the loan servicer, not the borrower.
Consumer complaint received 2018-04-12
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: M&T BANK CORPORATION (CA)

I had a mortgage with this bank for the past year and some months. During the time, I made all payments on time, including even some dubious increase in the monthly payment from {$3400.00} to {$3700.00}. I did my best under difficult circumstances to make timely payments. 

During the time, I tried I called them several times to see if we can get a refinance, but each time they flatly denied and wouldn't go any further to explain why, and at the time we were getting a lot of offers from other institutions to refinance. Nonetheless, I continued to make my payments. 

Last month, XX/XX/XXXX, we were finally able to close a refi with a different lender who wired M & T 's payoff to them on the same date as above. Before then, they had been made aware of this closing and were totally involved. 

As expected they closed my online account that I had been using to transact business with them and retrieve documents and messages on the same day the principal was paid off. The processed it and effectively zeroed out the account. 

On XX/XX/XXXX, I saw that the regular transfer that always went out to them on the first day of the month had been initiated and was pending on my XXXX XXXX XXXXXXXX account. I called them immediately to let them know that they my account had been closed with them and I don't owe anything to them. I made aware I had a new mortgage that was due and therefore I need that money to pay the new lender. 

We did a lot of back and forth on the phone and told me they would investigate and take the necessary action. 

As I write this complaint, on XX/XX/XXXX, they neither have returned my money nor return my call. I am having to borrow money, not only for my new mortgage, but also other expenses that we incur as a young bottom of the barrel family struggling to survive in one most expensive places on earth : XXXX XXXX XXXX XXXX of California. 

Every cent we earn is important for us! 

It is certainly not right that this bank has unlawfully taken our money for over a week without making any attempt to return it, or even providing me a simple customer service of letting me know what is going on.