davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC. (NC)

I made payment arrangements on XX/XX/2019 with XXXX regarding a bill for {$30.00} a month beginning on XX/XX/2019 auto-pay for an outstanding debt. I received an alert on or about XXXX XXXX that my account was overdrawn. I contacted XXXX who advised me there was a glitch in the system that they do not know why the system somehow changed the due date which was to begin on XXXX XXXX.I asked XXXX to stop auto-pay that I would pay in person from now on. I then contacted SunTrust and filed a claim and asked SunTrust to stop future payments to XXXX that I ask they stop auto-pay. SunTrust filed the claim XXXX and SunTrust denied the claim stating services was rendered. I ask to rebut and sent additional information which was denied. SunTrust claims that XXXX sent documentation, but SunTrust did not forward the documents to me during the process nor after I requested it.In the rebuttal I told SunTrust the issues is not the service it was the fact that the merchant withdrew funds on a date that was not originally agreed on. Withdrawal of funds before the agreement date is one of the reasons SunTrust offered for a reason to dispute a charge. I do not see on my account that XXXX was actually paid anything from the overdrawn account, but I see an overdraft charge. I have two issues one XXXX debiting my account on a date note agreed on and SunTrust not paying XXXX and charging me an overdraft fee.
Consumer complaint received 2018-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (CA)

As a stall tactic for not having to remove inaccurate, outdated and Hippa violation accounts reporting to my credit report ; Equifax has place a 90 day fraud alert to my credit report and sent a letter to XXXX and XXXX advising them to do the same. I NEVER requested a fraud alert as the letter stated.
Consumer complaint received 2019-03-22
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. (FL)

I have disputed the XXXX XXXX XXXX auto loan account that is being reported as late onXX/XX/2018 several times. XXXX nor Experian will look into the account at all. I was on an Auto Loan XXXX during the time in questions and NOT late. I went into a branch and had them print out my XXXX letters and payment history as proof. However, neither have updated my report.
Consumer complaint received 2018-04-24
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. (TX)

In XX/XX/XXXX I learned I was the victim of identity theft. Upon reviewing my Experian credit report I discovered numerous errors and accounts resulting from the identity theft. I sent an initial dispute letter dated XX/XX/XXXX notifying Experian of the errors and requested that the information be corrected. In that letter I requested, should they refuse to delete an item, that under federal and state law that they provide me a copy of evidence in support of their findings. I also advised them of my rights as a victim of identity theft and submitted all required documents per statutes. 

I monitored the report for the next several months while Experian investigated the issue. 

In XX/XX/XXXX I reviewed a new copy of my Experian credit report. I found that it still contained two errors. I sent a letter to Experian dated XX/XX/XXXX, a copy of which is attached. In that letter I demand that Experian correct these errors. I submitted documentary evidence clearly showing that the information is incorrect. I also requested that in accordance with federal and state laws that Experian provide me with records pertaining to this account and information on how they verified the information. 

On XX/XX/XXXX I received a generic response indicating that the " company that reported the information has certified to Experian that the information is accurate. '' However, I did not receive any of the documents or proof or an explanation of the procedure for how and who verified this information. 

Experian refuses to correct the inaccurate information they are reporting about me. Further, Experian refuses to follow federal and state guidelines that require them to correct incorrect information, taken certain steps for victims of ID theft, and to provide records pertaining to a " description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of the furnisher of information contacted, and if reasonable available the telephone number '' upon my request. 

As of the date of this complaint Experian has failed to either correct the information or provide a description for how they " certified '' the information.
Consumer complaint received 2021-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please send to Tansunion and XXXX. 
I did not authorize these hard inquiries on my credit report. This is fraudulent please remove these as followed Transuion : 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 XXXXXXXX
Consumer complaint received 2019-08-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JAMS-01, Inc (VA)

I have requested a loan estimate from a broker named XXXX XXXX at HST mortgage XXXX VA that has taken all my information and yet she denies me a loan estimate and stated initially that the address of the home was not given to her. Once I showed her proof that indeed she was aware of the address she stated that a contract needs to be in place prior to giving an estimate. I requested the loan estimate on multiple occasions and she states she will no longer respond.
Consumer complaint received 2018-12-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (ID)

A {$190000.00} payment was applied wrong creating thousands of dollars late fees penalties and interest. A letter was included with the payment directed the loans to be paid and a good contact name and phone number if there were questions.
Consumer complaint received 2019-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (CA)

I got a call from fraud scammers who already knew my identity and my social security number who threatened me to give up more information about myself which lead to me giving up my debit card and credit card information to these scammers.
Consumer complaint received 2018-04-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (LA)

I was called at my job when I verbally told them not to call. I have no idea how they got my number at work I explained to them numerous times that I work late I sometimes get off after XXXX XXXX  and I dont have access to a phone at all times. When called about them calling my place of employment they act they knew not to call already.
Consumer complaint received 2018-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I made a mobile deposit through the Chase app at XXXX Pacific Time. Chase states that XXXX Pacific time is the cutoff for deposits to be available the next day. Therefore funds would not be available for two days, until XX/XX/XXXX. My complaint is that if they consider anything after XXXX Pacific the start of the following day, this random time should similarly be the cutoff after which pending funds should be credited. But it's not. Because they held my money for literally two days I was then charged an insufficient funds fee of {$34.00} in another account.
Consumer complaint received 2022-06-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

I am asking for your help in trying to determine how the {$80000.00} was tagged on to this mortgage. I filed bankruptcy in XXXX and was unable to pay my mtge for one year I believe. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Since then, I have had this mortgage bought out by several different firms and transferred without any choice of my own. I have asked each company for an explanation of this additional {$80000.00}. How can they tag on {$80000.00} FOR ONE YEAR OF NO PAYMENT???? Can you tell me who I can seek help from on this? Someone who will investigate where this occurred and why and explain to me how this can happen to a XXXX  citizen in Florida and where do they go for help. I am hearing so much mortgage fraud and wonder if I am a victim. I would appreciate any help you can give me, my husband is XXXX on social security and I am still working at XXXX so we can make ends meet and we want to be able to live on a fixed income. Our home is our only asset having lived in this house for over 35 years, and this mortgage balance seems to never go down.
Consumer complaint received 2022-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: AMERICAN EXPRESS COMPANY (CO)

I am currently homeless, the original address of XXXX XXXX XXXX is a XXXX organization that requires ID to obtain mail. They sent my last card back, so I've set up my address at another organization XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Colorado. They Also require ID to pick up Mail there. I can not have ID with their address as Serve wants me to send a picture of my ID with the address. If possible I would like for XXXX to send it to the XXXX side cares address as I have recently picked up mail there. Also, if they could reset the last request, so that I may contact them directly. Thank You.
Consumer complaint received 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I disputed inaccurate and/or incomplete information on my credit report on XX/XX/2020 with the consumer reporting company. The investigation took more than 30 days. I sent another letter on XXXX XXXX that reached them after XXXX XXXX, telling Experian to comply with the law. Still no results after 30 days. Experian is in violation of the law and all disputed information needs to be removed from my file. 
Experian 's response was, " Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. '' HOW? How can they determine what is sent by anyone and then choose not to act even though I have multiple letters sent to them certified mail, and the CFPB was given all identifying information in order for them to locate my report. Also the credit report number was in the body of each letter. I sent my complaint through the CFPB website and created an account. The complaint was absolutely sent by me and authorized by me. The proper action needs to be taken. Experian can't just not act on disputed information with supporting documentation. This is ridiculous.
Consumer complaint received 2019-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/XXXX Formal Complaint : CHASE BANK XXXX HANDLING AND RESPONSES TO THE CONCERN WERE INSUFFICIENT AND OTHER PROCESSING ERRORS NEED TO BE ADDRESSED On the two nights of XX/XX/XXXX and XXXX, XXXX, we stayed at a hotel, XXXX XXXX, located at XXXX XXXX XXXX in XXXX VA. The rate confirmed upon booking several weeks prior was {$79.00} per night. We authorized a charge of {$150.00} for the two nights upon checking out. However, two transactions charged to our card XX/XX/XXXX : one for the proper {$150.00}, and an additional charge for {$79.00}. We contacted the XXXX XXXX regarding the erroneous {$79.00}. The hotel manager, XXXX, searched his records thoroughly, and advised the hotel only charged the card once, for {$150.00}. XXXX assured us there was no record of the additional {$79.00} being charged to us at the hotel, and without a transaction to reverse on his hotels systems, that our only option is contact the credit card company for resolution. The two nights of XX/XX/XXXX and XXXX, XXXX, were our only visit to XXXX to this day. 

We then contacted Chase Bank in an attempt to resolve this concern. We were advised the improper {$79.00} charge would be immediately credited back to the account during the investigation. However, a credit was never applied to the account from Chase Bank. We were told we would receive a call within a few days after initially presenting this concern. We received a voicemail several weeks later while at a dentist, and we returned the call and left a message to call us back, but never received another call back. We then received the included letter dated XX/XX/XXXX, from Fraud Department, stating we received benefit from the transaction, which the letter indicates occurred in XXXX, for {$79.00}. To make things worse, Chase then charged our card {$79.00} again XX/XX/XXXX, as shown on the statement, with a Purchase dated XX/XX/XXXX likely a processing error attempting to offset a credit we were promised in XXXX but never received as shown on the included Statements. 

Upon receiving the XX/XX/XXXX letter, we again contacted Chase Bank to resolve the concern of the now XXXX erroneous {$79.00} charges. However, Chase provided no resolution in the response from XXXX XXXX XXXX dated XX/XX/XXXX, included with this complaint. Instead, the letter just says their latest review confirms the previous findings. 

Enclosures : XX/XX/XXXX Statement showing the authorized and disputed charges XX/XX/XXXX Statement XX/XX/XXXX Statement XX/XX/XXXX Statement showing the additional erroneous charge XXXX  XXXX Receipt Chase Response # 1 dated XX/XX/XXXX Chase Response # 2 dated XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-12-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: GreenSky, LLC (FL)

ON or about XX/XX/2017 XXXX XXXX located at XXXX, XXXX XXXX XXXX, XXXX XXXX, Florida XXXX entered into agreement with Green Sky Lending, XXXX XXXX XXXX, XXXX, Georgia XXXX. This agreement was entered in my personal name XXXX XXXX on a Invoice in My wife 's name. We never signed nor agreed to any loan application, This was marketed as a interest free note through XXXX XXXX. This was a replacement of air conditioner system which failed. My wife having XXXX XXXX and awaiting XXXX XXXX  was not equipped mentally to make such financial decisions. After install we had major failure within the system with mold, that I had another contractor resolve at a cost of XXXX dollars. After this failure, My accountant paid the total outstanding balance down to XXXX balance thinking the contractor was receiving payments from Green Sky. I  never signed nor agreed to this note, nor is there any signature of my wife and only an estimate that has her name on it. I consider this a fraud on myself, Green Sky and XXXX XXXX  to which this invoice was sold.
Consumer complaint received 2022-06-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

I need to have an assumption processed on loan # XXXX. 

NewRez has denied my request for assumption stating that the closing disclosure bars me from such a request but this is incorrect. 

The note does not restrict assumability of the mortgage and the disclosure is only a restriction to the original lender and does not apply to the new holder of the note XXXX XXXX which does not restrict assuming mortgages.
Consumer complaint received 2019-03-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (AZ)

I first reached out to Citibank to notify them I am representative for an estate for a deceased member on XX/XX/XXXX. The decedent lived in XXXX, AZ for more than 20 years and that is where my business is located. There is no local branch. The closest branch is about 3 hours away. I received no response and Citibank refused to update the address on file. As the Estate was winding down, I again wrote a letter to Citibank on XX/XX/XXXX to demand they close the account or release beneficiary information, if applicable. I've submitted certified court documents to prove my authority as well as an original death certificate. I also provided a copy of the husband 's death certificate, who is also listed on the account. I received a generic response indicating I could complete a small estate affidavit. I can not complete a small estate affidavit as the Estate is not small, and I have authority to administer the Estate by court appointment. The letter was sent by certified mail and a receipt was received. We also received documentation back which indicated they had been scanned by Citibank. When I called the Citibank Priority hotline, the representative indicated nothing was scanned. On XX/XX/XXXX, I again submitted my documents, this time by fax, waited a couple days and called back. Again, nothing was associated with the file and the representative would not provide information. We reached out to the branch in XXXX, CA where the account was likely opened, but the branch manager referred us back to the Citibank XXXX hotline. Again documents were submitted and Citibank claims they have received nothing. I am unable to close the Estate as Citibank is withholding Estate assets, or information regarding beneficiaries. It has been nearly a year and it is unfair to the beneficiaries of the Estate.
Consumer complaint received 2019-03-22
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)

On XXXX XXXX I received a official copy of my credit report from Transunion and derogatory remarks was removed from Transunion as credit reporting agency as XXXX XXXX XXXX made contact with Transunion to remove the negatives from my credit report. 
Why would Transunion falsify on deletions of negative on my credit report as Transunion gets a electronic or Verbal message from XXXX XXXX. 

I am respectfully requesting that Department of Justice ADA  and Federal Government conducts a Federal Investigation on my Discrimination and Retaliation against me as a XXXX US Military Veteran. 
I am respectfully requesting that Transunion, XXXX, XXXX  to delete all Unauthorize Hard Inquiries on my credit report and also for Transunion and XXXX remove the Bankruptcy on my credit report. 
As XXXX already removed the Bankruptcy Chapter XXXX on my credit Report. 
Respectfully. US Senator XXXX XXXX has beel alerted on issues with XXXX and I signed a Privacy Release for Federal Investigations.
Consumer complaint received 2018-04-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NY)

ALLY bank does not include outstanding loan balance on their monthly billing on my new car loan with seems rather suspicious. They also use a third party vendor in XXXX, XXXX to handle accounts, thereby giving American personal credit and social security information to parties in third world countries not bound by US law or criminal enforcement.
Consumer complaint received 2019-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CT)

I initiated a transfer on XX/XX/19 from my Chase Checking account to an external account. The amount in question was {$10000.00}, which was well within the funds I had available. I already completed verifying that external account a week prior with no issues. 

On XX/XX/19, I tried to log in to Chase 's website to see if the transfer had completed, but the website said my account was locked. 

I then called the customer service number provided, but after talking and waiting for an hour, they did not provide any solution beyond " go visit a branch. '' I am located quite far from one, so I will have to take time off from work to travel there.
Consumer complaint received 2018-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC (VA)

XXXX of Mariner finance has been reporting incorrect information to my credit report since his company acquired my loan back in XX/XX/XXXX. I have spoken with him and other employees within his company and nothing has been correct. Back in XX/XX/XXXX XXXX has requested a garnishment of my wages. The court case was in XX/XX/XXXX of XX/XX/XXXX and one check came the day after the court date and he refused to go to the court to pickup the funds. So they were sent back to my employer and then back to me. Just recently he took me back to court again to garnish my wages for the same amount that he refused to pickup after the clerk of court reached out to him to make him aware that the payment came in right after the court hearing and was dated within the garnishment dates.