davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC. (GA)

I opened SunTrust savings and checking accounts onXX/XX/XXXX When opening it, I transferred {$50.00} to the checking account and {$5.00} to the savings using the debit card of another bank. 

The balance of both SunTrust accounts was {$0.00} untilXX/XX/XXXX. Once the funds had finally been transferred, I used the checking account to send two small XXXX payments to my roommate. 

On the evening of XX/XX/XXXX, I attempted to log into SunTrust 's online banking system. A message appeared stating that my account had been locked and that I should contact a customer service representative for assistance. Upon doing so, I was told that both of my accounts had been terminated due to a violation of the SunTrust Rules and Regulations ; however, neither the original CSR nor  her supervisor would tell me the specific reason for the closure.

Then I was told that I would have to wait around two weeks to receive a cashier 's check for the balances that were in the accounts when they were closed. I asked if I could go up to a SunTrust branch and receive my money that way, and I was told no.
Consumer complaint received 2015-07-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (OH)

In XXXX XXXX, I enrolled in XXXX Debt Relief. In XXXX XXXX, XXXX followed their policy and charged off my account in XXXX XXXX. In XX/XX/XXXX XXXX, I received XXXX XXXX from XXXX canceling the debt owed for each card to include as income on my XXXX Tax Return. During XXXX XXXX, I reviewed my credit reports and determined all three credit bureaus were still carrying the amount owed on these accounts as balances. Based upon the Identifiable Event Code ( Box XXXX ) listed on the XXXX, XXXX has marked a code of " XXXX '' Instructions for filling out a XXXX states the following XXXX Decision or policy to discontinue collection. XXXX XXXX is used to identify cancellation of debt as a result of a decision or a defined policy of the creditor to discontinue collection activity and cancel the debt. For purposes of this identifiable event, a defined policy includes both a written policy and the creditor 's established business practice. I have attempted to dispute these items but XXXX says I still owe the monies for these cards. Based upon the Identifiable Event Code, XXXX has followed their policy and canceled the debt. A cancelation of the debt per the IRS is the debt is no longer valid. When discussing the results of my case dispute, I was told the credit bureau utilized the response of the creditor without question, no matter what my argument was.
Consumer complaint received 2021-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (TX)

I previously complained to the CFPB about this issue ( XXXX ) and the company has yet to contact me and they closed my complaint not researching or answering my questions. 
You commented on the additional XXXX but thats not the issue. The issue is that XXXX said the agreement was not honored as your company did not send over all the funds. Which is why I sent over a copy of the invoice that they gave me showing they only received {$50.00}. I did not end up taking this car due to the confusion with your company and theirs. Therefore I want the entire balance cleared on this card, {$190.00}. Which is the amount I paid ( supposedly paid your company ) for the car and the insurance which I didnt get or use because they said your Insurance was invalid, and the car was not paid for. Since you've taken so long to respond the bill is now due so I will pay the minimum to avoid credit issues, but this card was paid in full before this transaction, so I do expect a refund and all the interest removed as well. I will not stop complaining to the CFPB or any other agency until you make this right. I will no longer use this card or XXXX for this matter.
Consumer complaint received 2020-07-22
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. (CO)

I SENT CERTIFIED LETTER XX/XX/2020 TO EXPERIAN DEMANDING PROOF OF HOW, WHAT METHOD AND WHO THEY VERIFIED XXXX XXXX XXXX XXXX  WAS AN ACCURATE COLLECTIONS ACCT AND EXPERIAN REFUSED TO PROVIDE THE INFORMATION AND IS STILL REPORTING AS A COLLECTIONS ACCT!! XXXX  AND XXXX  HAS REMOVED THIS ACCT. EXPERIAN REFUSES EVEN THOUGH THEY DID NOT AND COULD NOT VERIFY THE ACCURACY OF THIS ACCT, Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification.
Consumer complaint received 2017-09-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (TX)

I have been trying to work with All the Credit Bureaus for a long time i have followed the law and it states that they have to come back with proof or delete the things on my credit and they are not working well at all with me. I am honestly tired of them doing this to me. They are really abusing the system on not working well with me and not following the law.
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have notified Experian and XXXX that they have incorrect personal information on my reports. I have notified them on XX/XX/2021 XX/XX/2021. Both credit bureaus have fail to update my personal information. I am highly concerned that this may expose me to identity theft. 

I have provide copies of my DL and utility bill that shows my correct address and name.
Consumer complaint received 2021-09-14
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. (TX)

I have sent in multiple requests for investigations on the item listed & the creditor as well as the credit bureaus continue to report this account as inaccurate. The date of last activity is different on all 3 reports, if this information is coming from the same source then it should all be reporting the same dates. This is incorrect
Consumer complaint received 2022-04-03
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (OH)

Upon checking my credit report I noticed a car loan I did not recognize for a vehicle I do not have. I have one vehicle and it is a car and not a truck. This loan has been there since 2019 and I have never once driven said vehicle and only use the one vehicle where the loan and tags are up to date.
Consumer complaint received 2020-07-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2020 American Express convinced me to enter into a payment plan that I discovered the following morning eliminated my {$250000.00} Credit Limit. I have unsuccessfully tried to get them to unwind the loan for {$100000.00} and go back to our normal credit relations. They have told me there is nothing they can do, even though In told them I did not want the loan to effect my Credit Limit.  All communication was by phone. I would never knowingly agree to eliminating my credit line. 

Then on XX/XX/2020 they drafted {$5800.00} and {$30.00} from a business associates bank account that had previously sent them a check for my account. I never gave AMEX a bank account number to draft from. 

I have been told by AMEX they appreciate my 40 years of loyalty but won't do anything to resolve the situation.
Consumer complaint received 2020-01-21
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: American Collections Enterprise, Inc. (MD)

In XXXX, I was dealing with one person, a guy. I told him my situation and asked if I can settle. He said he will check and came back and said no so I have to pay the full amount. I explained my situation again and told him that I am unable to pay the whole amount at this time at which point he got out of control screaming at me and threatening that he will mark me as refusal to pay just before he hung up on me. 
Around the beginning of XXXX, I started talking to a new lady, XXXX I believe who is always on the edge of aggression and i made a payment with her. On XX/XX/XXXX she called again asking for a second payment in one month. And I told her, if there was a possibility of settling so I can pay the full amount. At this point I was tired of dealing with them in general and their abusive tone. She got mad and screaming, I asked if I can speak with the manager. The manager, XXXX started speaking to me very calmly and I was relived, till I started explaining my self and told her and her response, " well go get a job and pay this ''. All I was asking was, would it be possible for me to send a letter to the creditor explaining my situation to see if they would decrease the amount in at least a {$100.00}. She criticized me, told me how stupid my life decisions was, threatened that she has been doing this for 32 years and that I would see this on my credit report every time I apply for something. and at last Hanged up on me! The fact that the manager is the rudest of all, shows why the rest of the employees are rude too. They are a complete headache and literally affect my health every time I speak with them. It has been the main cause of my anxiety this days. Due to my health issue, I had to deal with different debt collectors who were more than understanding of my situation and what I went through. I paid off debts that are more than double the amount of this fully and this is the last and smallest debt left in my credit report yet the one driving me to another health crisis. All I wanted was to see if I would be able to send a letter to XXXX in XXXX through them and asking for a little lower payment. but what did I get, screaming, abuse and judgment.
Consumer complaint received 2022-09-14
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. (GA)

This is my 6th endeavor to tell XXXX AND TRANSUNION CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : $ XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (LA)

I contacted AmeriSave Mortgage at the beginning of XXXX. I was provided with several different loan disclosures for different interest rates, included in the disclosures were costs for a Title company XXXX XX/XX/20 XXXX XXXX. I chose to shop around in order to lower the Title costs and contacted a local title company I used 2 years ago, I completed this process within 5 days of initial disclosure, the loan originator assured me verbally, and through a text message that my local title company would be used. A month later, this has not happened. Additionally, I was sent wire instructions for closing : very clearly across the top the state of Louisiana is NOT included. I immediately attempted to contact the mortgage originator and the loan processor ; I don't believe XX/XX/20 XXXX is even licensed to do business in my state. I received no answer. 

AmeriSave Mortgage also locked my rate without notifying me first, and it turns out that the disclosures I received initially had far less cost for points to buy down the rate than where they locked the rate. I am now looking at costs to close that are 5 times HIGHER than where I started. 

I believe this company is a complete scam. There is no way to contact customer service or to speak to anyone in management. I want to cancel this refinance and will contact the Louisiana Office of Financial Institutions to lodge a complaint and a housing counselor to make sure I can back out. Please warn other consumers about this company.
Consumer complaint received 2023-02-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (SC)

For the past 3 years I have had lender based insurance placed on my home over a few days of lapse each year due to issues with my insurance company and a yearly fee that is not auto drafted from my account. Never more than 10 days. They have proof of my reinstatement, proof of insurance in their record and have place and charged me for full year policies over these few days of lapse and are refusing to refund the policy placed by them. I have spent some over XXXX hours on the phones with them. No one will help its constant back and department to department. Everyone saying its not their department. What are my options?
Consumer complaint received 2021-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (NY)

I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2001 with a balance of {$950.00} which I did not make. I have filed this to the police and they advised me to submit a dispute.
Consumer complaint received 2020-07-21
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. (PA)

THE DISPUTED ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2022-03-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MS)

My home went into foreclosure The home sold to third party buying the day of the auction XX/XX/XXXX Freedom mortgage is the mortgage company I ask for escrow information XX/XX/XXXX I wrote them email to explain escrow they sent me information about my regular and flood insurance on the XXXX XX/XX/XXXX a break down .I got a letter in the mail couple weeks later about them putting forced insurance on me in XX/XX/XXXX but I never received any information about this {$920.00} payment to this other insurance company I called they said it just went into effrect. ZI wrote the a letter on XXXX XXXX express mail asking for all accounting of my loan to include fees escrows and foreclosure information and what is going to happen to my XXXX check that they kept in their loss draft department now that {$53000.00} now that they no longer own the home, and the house sold to 3rd party for XXXX and and they are the owners I feel that freedom mortgage unjustly inriching themselves by holding my check and drawing interest on it for these 3 years. That is why I put a formal request for my accounting fees and escrow and other information pertaining to my loan but I they refuse to give me any information Loss Draft fm says loss migration FM and the send me back and forth with questions and no one answered anything just point fingers A veteran for closure nonjudcial is only {$1500.00} for the state of Mississippi where is all these fees coming from.
Consumer complaint received 2021-09-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2021 I sent the amount of {$850.00} to an deactivated account I try to fix the issue trough my bank but the bank already sent the the payment to the venmo app, I email, and call the number and email that the app company shows but they said that they cant do nothing about it.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX XX/XX/XXXXXXXX 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 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 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-06-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc. (FL)

company who had a caller id of CCS office continues to call my cellphone and will not identify what they want. Continues to as for personal information before they will talk to me like name address and SS # and I will not give any of that over the phone. Have asked them numerous times that they are calling a work number for my business and to remove the number from their database yet they continue to call harassingly and will not stop!
Consumer complaint received 2017-08-01
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

When PennyMac bought our loan they did n't accept bi-monthly payments like our previous company. We were not notified of this until we called about fees we were being charged. So it showed as late payments. Then we were offered a modification. When it was explained to us, they told us not to make payments certain months and then make partial payments other months. We were told that once the modification was finalized that all negative markings would be wiped off of our credit report. We were told the loan would be shown in good standing with no blimishes. They show the loan in good standing but all of the negative reported is still on our credit report. It is still effecting our credit score 4 years later and they continue to say they ca n't help.
Consumer complaint received 2015-09-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo neglected the security of my account by letting funds be removed beyond the credit limit without my consent. 

While looking for employment I was conned by a company, XXXX XXXX to make purchases for them. They put funds from a XXXX XXXX Account whose account and routing number are XXXX & XXXX into my Wells Fargo Prime Equity Account so I could make purchases for them from my account. Wells Fargo had a rule to wait 7 business days for them to clear before making the purchase which I was told to make sure the XXXX XXXX account that was depositing the money was reliable. After the 7 business days had passed I was assured that the funds deposited were good and I made purchases on that account using the Credit Card connected to the account of over {$10000.00}. Once the purchases were made and shipped, Wells Fargo allowed without my consent the funds of {$10000.00} to be taken away and put in back in the XXXX XXXX account. 

I had tried to contact the Employer, XXXX XXXX and Wells Fargo Fraud department but to no avail I was held responsible for the funds. Now Wells Fargo is not only claiming no responsibly for letting the funds go back to the XXXX XXXX Bank but they are Charging me for an overdrawn account, interest on the account and are requesting me to forward the {$10000.00} which I do n't have or face foreclosure. 

Wells Fargo, the Federal Trades Commission and the XXXX have information on the employer and the XXXX XXXX Account, however either have made a move on the going after the employer or the bank. I do not have the authority to do so. I only ask that Wells Fargo the FTC and the XXXX work to get the stolen fund of {$10000.00} back.
Consumer complaint received 2019-06-04
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. (NC)

I have repeatedly disputed the XXXX XXXX XXXX XXXX account on my credit report with each bureau. Each one is reporting inaccurate information they claim is verified. Each one is reporting different information. There should not be a payment due listed on this charged off account. It was written off, but the bureaus claim there is a payment due and a balance due. I requested the payment history from XXXX XXXX XXXX XXXX, and have provided that to the bureaus, but they are still reporting inaccurate information as verified. XXXX states the balance due is {$2000.00}. The bureaus are reporting {$8900.00} due.The payment history is incorrect according to the document provided by XXXX XXXX. This inaccurate information has been disputed, however, it is still inaccurately being reported. This misinformation is extremely detrimental to my financial well being and credit.
Consumer complaint received 2016-09-12
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY (NM)

I received a call from an Indiana number XXXX at XXXX XXXX today XXXX XXXX, 2016. I heard an automated message saying something about my XXXX credit card eligibility for something, I do not remember what exactly, but I do not use credit cards so I knew the call was bogus. I followed the instructions to press XXXX to continue on. I was connected to a real person who proceeded with a script which I interrupted asking him how it was that they got my number because I do not use credit cards at which point the man on the other line promptly ended the call. I called the number back and the line beeped the way a disconnected line does. I regularly sign petitions concerning the environment and civil issues and I believe my identifying information has been thus compromised.