davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

XX/XX/XXXX ( Today 's date ) On XX/XX/XXXX I attempted to use my SunTrust debit card at a restaurant. It was declined. I immediately called SunTrust to find out what the issue was with my card and was told that my account was frozen and pending an investigation due to one of the following reasons : 1.Unsatisfactory handling 2.Negative reporting from another bank 3.History of return items I was then told that the specific reason would be sent to me by mail within the next ten ( 10 ) days. I have yet to receive any information on why my account is frozen.

I have made more than a dozen phone calls and visits to the local branch of SunTrust and I continue to get the same message, as stated above ) from representatives on the phone and in the branch.

My problem is that I have had two direct deposits, one from Social Security and another from my retirement pension, that were deposited in my checking accounts after XXXX XXXX ( the day my accounts were frozen ). 

The Social Security check was directly deposited on XX/XX/XXXX and the retirement pension check was directly deposited on XX/XX/XXXX, well after the date that my account was frozen. I was not able to stop the direct deposits with the Social Security Administration and the XXXX XXXX XXXX of Georgia from depositing due to the lack of time that the freeze took place. Thus, both direct deposits went to my accounts as usual. I have been receiving both direct deposits since my retirement which officially began in XX/XX/XXXX which Im sure SunTrust can verify. These are my living wages and I understand that both forms of income are exempt from the frozen status. 

I am requesting that my living wages ( Social Security and retirement pension ) be released to me immediately so that I can carry on with the necessities of life such as paying my mortgage, paying my utilities, and buying food. 

I am a senior citizen, living on a fixed income and Im asking that you honor my request to release my living wages from my checking accounts at SunTrust, now known as Truist.
Consumer complaint received 2024-05-14
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: VANDERBILT MORTGAGE & FINANCE, INC (AL)

I had this mobile home load with Vanderbilt Mortgage Company, I got the home in 2013 and have been having issues every since, they didn't redo the used trailer like they should have, basically painted over everything, it was leaks in home, dead rats in the wall throughout the house that had a foul smell, the roof split in a room and the insurance said it was nothing they could do. I put the home in XXXX and was told I would only be paying the XXXX principal of the home that Vanderbilt put in the plan, I paid XXXX which would have left XXXX, but Vanderbilt stated that I agreed to pay them the interest which wasn't discussed by XXXX XXXX when I signed the loan contract or I would have never gotten the home. The funds I paid in XXXX Vanderbilt put the majority of the money twoards interest when I have documents from XXXX saying applied to the principal, I just want to get this issue corrected or something be done about the predatory loan practicing, the customer service reps are very rude when it comes to late payments and ect, the worst company to have a loan with.
Consumer complaint received 2022-03-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (PA)

According to an email on XX/XX/2020 XXXX pm and prior to, a note for {$100000.00} for the purchase of a property and a stock power for {>= $1,000,000}, was delivered to TD Bank XXXX PA for deposit but was declined. Trustee was told the complete copy of the trust was needed. It was agreed upon under the conditions that they, TD Bank can produce a policy explaining this, signed and dated. They never provided the policy which is a violation in itself when requested by the entitlement holder. Trustee met all requirements for the establishment of the account. Affidavit of Surety and Certificate of Identity XXXX XXXX, fee schedule and UCC1 was forwarded to XXXX XXXX of TD Bank XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX along with entitlement orders on XX/XX/2020 by registered mail # XXXX as Return Receipt for Merchandise and was received on XX/XX/2020. XXXX was notified with no avail. XXXX XXXX will be included in this complaint. I have been damaged. Trust has been violated per Title 15 USC Section 1.
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

On XX/XX/2021, I sent a letter to formally make a complaint about my incomplete and inaccurate credit information. As I know, It violates the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), and thus I wanted to have it investigated. I also demanded that they provide verifiable proof that has my actual signature in it. Additional information regarding this will be uploaded and I hope that this issue will be taken care of.
Consumer complaint received 2022-03-30
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: Bread Financial Holdings, Inc. (MI)

I have a 30 day late showing up on my credit report inaccuratlly and further more the FCRA 603 15 usc 1681s-3 " EXCLUSIONS '' the term " consumer report '' does not include ( i ) report containing solely as to transactions or experiences between the consumer and the person making the report. my payments are an transactions and does not supposed to be incuded in the report. on Account : XXXX XXXX
Consumer complaint received 2018-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

This is an account that has already been removed from my report, the creditor is now sold to a new company reappearing. As previously discussed and stated not my debt! 

XXXX XXXX XXXX collection Agency - XXXX XXXX XXXX. XXXX XXXXXXXX XXXX to do not any legal rights to post on my credit report. I nor them have a signed contract regarding this claim. 

Resulting in this claim has dropped my credit score. 

The collector must send you a written notice within five days after you are first contacted to tell you the amount of money owed, the creditors name and what to do if you believe you do not owe the money. This validation notice warns you that if a debt is not disputed it is considered valid. - this never happened the debt collector did not follow suit.
Consumer complaint received 2022-03-02
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (OR)

Re : XXXX XXXX account # XXXX XXXX XXXX XXXX Synchrony bank Please note that all the below references are incorrectly charge as items have been return to XXXX an XXXX records show that refund credit to store card herein, But my account with you are still debit a copy of this email will be sent in writing to : Synchrony bank XXXX XXXX XXXX XXXX FL XXXX As well to the XXXX XXXX XXXX and Federal Trade commissionXXXX 

On XX/XX/XXXX ref # XXXX was transacted for {$84.00} Per XXXX : Return complete Your return is complete. Your refund has been issued. 
When will I get my refund? 
A refund will appear on your bank account or credit card statement within the next 7 days. 
You've already requested a return of this item Refund issued Solar Panel License Plate Frame Rear... 
{$110.00} refund issued on XX/XX/XXXX. 
Return received on : XX/XX/XXXX ** but I am still being charged for this purchased. 

Next item error charge for is Reference # XXXX Pyle Dash can review mirror charge of {$110.00} You've already requested a return of this item Refund issued {$110.00} refund issued on XX/XX/XXXX. 
Return received on : XX/XX/XXXX But I am still being charge for such item*** Next error charge is for reference # XXXX Introducing Blink Video Doorbell + Sync... 
Color : Black You've already requested a return of this item Refund issued {$59.00} refund issued on XX/XX/XXXX. 
Return received on : XX/XX/XXXX, XXXX Next error is reference # XXXX Item stocking stuffer the unique thing about this order it was cancel by seller and your still charging me for it Return received A refund will appear on your original payment method in XXXX business days. 
When will I get my refund? 
Your package is returning to XXXX because of one of the following reasons : Damaged in-transit, carrier could not locate your address, or refused by the recipient. 

Last item reference # XXXX Smart Video Doorbell,2.8 inch TFT LCD... 
You've already requested a return of this item RefunXXXX issued {$36.00} refund issued on XX/XX/XXXX. 
Return received on : XX/XX/XXXX Unable to load image Solar Panel License Plate Frame Rear... 
You've already requested a return of this item Refund issued {$110.00} refund issued on XX/XX/XXXX. 
Return received on : XX/XX/XXXX XXXX
Consumer complaint received 2021-02-12
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. (AZ)

I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.
Consumer complaint received 2019-06-11
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Social Finance, Inc. (CA)

I refinanced my loan with Sofi through XXXX XXXX XXXX XXXX. Sofi cashed a check for {$27000.00} for payment of my loan in full on XX/XX/XXXX and has yet to apply the payment to my account. XXXX XXXX has an electronic copy of this check with the Sofi stamp on it, so it was most certainly cashed by Sofi on XX/XX/XXXX. Now I have two loans with payments due for the same {$27000.00} because Sofi has not updated my account to reflect the {$27000.00} payment. My account is officially past due today, although Sofi has received {$27000.00} for the balance. XXXX XXXX XXXX XXXX states they sent the following check : Check # XXXX Amount : {$27000.00} USPS Tracking Number : 940XXXX XXXX XXXX XXXX XXXX XXXX To : XXXX XXXX XXXX in XXXX Texas Again, the check was cashed by Sofi eight days ago. XXXX XXXX XXXX XXXX sent the check and then provided this information after I filed complaint # XXXX on XX/XX/2019.
Consumer complaint received 2024-05-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I received a debt collection call from Portfolio Recovery on XX/XX/24. At that time I requested the caller to only contact me via mail. I had them confirm that they understood on the call. I received another call on XX/XX/24 from Portfolio Recovery from ( XXXX ) XXXX. I asked the caller if they had a record of them calling me on XX/XX/24, which they did, and confirmed on the call that I requested to be contacted by mail only. I also informed them that it is a {$1000.00} per call violation. I would like to pursue an FCDPA violation against Portfolio Recovery. Thank you.
Consumer complaint received 2022-02-15
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. (MN)

The list of information and inquiries was reporting inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that informations are constantly reporting and causes negative impact on my credit. Therefore, TransUnion Bureau did not take any action to remove the incorrect information and inquiries listed below : Personal Information Incorrect Names XXXX XXXX XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX Employer XXXX XXXX  Date Updated : XXXX XXXX XXXX Date Updated : XX/XX/XXXX Inquiries XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2020-07-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Harley Davidson Financial Services Inc (LA)

In XXXX of XXXX we purchased a used motorcycle from XXXX XXXX Harley Davidson and used their finance company to finance the bike. I never would have signed the contract had I known what we were getting ourselves into. The majority of our $ XXXX payment goes towards interest. I emailed the billing department on XX/XX/XXXX to find out how I could make payments directly to the principal. I was told that I had a simple interest loan and couldn't do that. I have no idea what a simple interest loan is or that that is the type of loan we had. I feel like we have been a victim of a predatory loan. I had no understanding & wasn't explained what the terms were. I was just told what the payment would be. I had no idea the majority of that was going to interest and I couldn't pay to principal also. I thought that was illegal?? We don't even want the bike anymore. We tried to refinance elsewhere and were told we owed XXXX more than the bike was worth so we can't even refinance or sell. I feel betrayed & although this is my XXXXXXXX XXXX, it will most likely be my last. Being done like this took all the joy out of it for me. I heard that Harley had recently fired the person in charge of sales. They need to think about not having loans with these terms also. Returning business is there business.
Consumer complaint received 2023-03-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo class action lawsuit : For mortgage loan borrowers, damages might be owed for wrongful foreclosures, incorrectly charged fees and wrongful loan modifications that would have otherwise prevented foreclosure. 
For bank account holders, some were incorrectly charged overdraft fees on debit and ATM withdrawals, as well as having money unfairly frozen if Wells Fargo suspected a single deposit was fraudulent.
Consumer complaint received 2018-05-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (NY)

I had set up an online bill pay through my American Express Serve account on Wed, XX/XX/2018 at XXXX XXXX  to pay XXXX XXXX XXXX in the amount of {$650.00}. The email i receive stated the payment should arrive in 24 business days. ( Transaction ID : XXXX ) On Wed, XX/XX/2018 at XXXX XXXX, I called customer service and requested to put a stop payment of the bill pay and have the fund return to my account. I was informed that the transaction was already processed and there will an investigation. I am not sure why the transaction was approved and the funds were transferred so quickly, but I have yet to receive the {$650.00} back into my account and it is very important that i receive those funds back as soon as possible.
Consumer complaint received 2018-05-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp. (CA)

I have been sending money to my friends in XXXX for several years. The money I send supports two families that otherwise would be in dire situations. I have been using XXXX to send the money. I recently moved which meant I had to update all of my financial information and update my account on XXXX. However they do not provide a way to update your e-mail address. So I called and spoke to customer service. I was told I would need to close my current account and then open a new account. The service rep closed the old account and I opened a new account. But when I attempted to send a transfer to my friend I received an e-mail saying the account had been suspended and that XXXX  would no longer accept transfers from me. When I asked why they refused to give a reason except to say it had nothing to do with my change of address. 

I decided to open an account with WorldRemit. They allowed me to open an account but once again when I sent the money I received an e-mail saying my account didn't meet their criteria as outlined in their terms and conditions. When I asked what exactly they wouldn't say. 

The fact that both companies have refused to send money leads me to believe that either someone has stolen my identity or my name is on a list somewhere. Is there some way to find out what the actual issue is and hopefully get it cleared up so that I can continue to help my friends? These are people I've known for several years and visited twice in XXXX. I don't want to let them down.
Consumer complaint received 2022-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (LA)

There was fraud that started using XXXX from my Chase account on XX/XX/XXXX. I reported it to the local Chase Bank ( XXXX  XXXX XXXX. XXXX ) and we began the process. The account was then frozen and online banking was no longer available. 
The person ( XXXX ) continued to move funds using my personal checking, business checking, personal savings, and business savings. To this, I received alerts daily via email that Chase was declining the transactions, but it kept me from doing anything online. I was using to XXXX number to see if there was a balance in any of the XXXX accounts to go withdraw available funds. 
Through research and mulitple bank visits, it was discovered that they had added phone numbers to the accounts to use XXXX to move funds. The agent even called the person 's phone thinking they were calling me, only to realize it wasn't me after I gave the correct number. 
Now they are asking me figure out a new claim amount because they have paid back what was reported. Amounts are not correct... therefore there is balance due.
Consumer complaint received 2024-03-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: American Credit Acceptance, LLC (TX)

I am 3 months from paying my loan off with American Credit XXXX. I have been receiving text messages regarding an extension. The representative that I spoke with advised that I have extension granted on XX/XX/XXXX, I advised her I never requested an extension., After further review of my account I was granted an extension for 1 month back in XXXX of XXXX,. My loan is set to be paid off by XX/XX/XXXX, I have {$1500.00} dollars in interest that has accumulated from the extension in XXXX which the contract that I signed for the extension did not accurate state that the amount of interest would accrue, I was expecting to have the loan paid off in XXXX, I have not missed a payment in the 7 years that I have been paying on the vehicle, I believe that these are tactics used against Consumers with less than perfect credit, at the time I purchased the vehicle, My credit score was in the XXXX. Now I am in the XXXX, I would like the interest removed and to pay this loan off in XXXX.
Consumer complaint received 2022-03-02
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. (NY)

In XXXX of XXXX I made a payment of over {$3000.00} to XXXX XXXX XXXX after being fired from my place of employment in XXXX of XXXX following an incident in which I was hurt on company property. I found new employment in XX/XX/XXXX and was able to combine funds from my new employment to make a size-able payment to XXXX to catch up on my car loan from the time I was unemployed. In XXXX of XXXX, I was laid off from my new job due to the Covid-19 pandemic and while I applied for unemployment, it took over 4 months for my application to be processed and I received a back payment in XXXX of XXXX. This was my first unemployment payment. In XXXX of XXXX, my XXXX XXXX XXXX was repossessed due to non-payment. I made all of my creditors aware of the fact that I had been laid off in XX/XX/XXXX, and all of them worked with me EXCEPT for XXXX XXXX XXXX. I was waiting to receive my unemployment to try and catch up on everything that had fallen behind, including my car loan. They repossessed my vehicle prior to my unemployment ever being received. I tried talking to them via telephone and they would not work with me. Additionally, they have since written my debt off as bad debt but continue to report a past due balance on my account which is a violation under the FCRA. I have made disputes both with XXXX and all 3 Credit reporting agencies, I entered these disputes on XX/XX/XXXX, it has now been nearly 60 days and I have yet to hear back from XXXX or the CRAs regarding this matter. I requested the account be removed off my credit and have yet to receive a response. Additionally, it has recently come to my knowledge that there was a bill presented in XXXX : XXXX XXXX XXXX in which it states that there is a restriction of the repossession of vehicles for certain persons suffering financial hardship as a result of the Covid-19 pandemic until the expiration of the restrictions on business, yet my vehicle was repossessed before the mandatory quarantine was ever lifted. Please help me remove this account from all three of my credit reports as it not only caused me great suffering in XXXX of XXXX when it happened, but it is STILL impacting me today, as I am still unable to purchase a new vehicle due to the impact this has had on my credit and personal finances throughout the Covid-19 pandemic. 

Thank you.
Consumer complaint received 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

This account is in reference to Account # XXXX which I have filed on XX/XX/XXXX, with the CFPB. I have received Somebody else 's personal information I have called XXXX regarding this matter they told me they weren't familiar with the information I have received. On XX/XX/XXXX I have received a package with a promissory note. I have called XXXX several times regarding my account which starts with XXXX. If XXXX can not verify this account please delete it if this account comes back verifiable please notify me on the information showing on file. I asked the XXXX Department of Education to provide me with information regarding account # XXXX. 
thank you.