davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SUNTRUST BANKS, INC. (NC)

Please accept this as a Qualified Written Request for a copy of ; ... '' the note from SunTrust Mortgage to SunTrust Bank executed by SunTrust Mortgage officer XXXX XXXX. This specific note is referenced in the XX/XX/XXXX assignment and under section XXIX ( page 7 & 8 ) of Judge XXXX XXXX order signed on the XXXX day of XX/XX/XXXX. 

Thank you - XXXX XXXX XXXX XXXX-XXXX-XXXX
Consumer complaint received 2019-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Today i received a email stating that a student loan was past due for 90 days. This is fraudulent and identity theft. I have stated before in the past over three years ago that this is not my account and that my loans that was listed with a different agency and company. I no longer have a loan number for the past account because it was paid off over four years ago. Therefore the documents presented to the credit reporting agency i have no knowledge of or a copy of. If the reporting credit agencies that this has been blocked and deleted from my account rather Experien seems to have a pattern of reporting this fraudulent information on my report every two years as the pattern shows. I believe that its an attempt to block and hinder my credit rating and high number due to other issues from other banks. It has been 644 days since this was deleted from my account and or paid in full.
Consumer complaint received 2019-06-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

As part of my student loan record Navient is listing me as delinquent from XXXX thru XXXX of XXXX. Navient isreporting 90, 120, 150, and 180day delinquencies to the credit bureaus as past due during this  period. Moreover, they allege I owe late fees totaling XXXX XXXX   from these delinquencies. The former isnt possible as there were forbearances in place from XX/XX/XXXX to XX/XX/XXXX ( Sallie Mae ) and from XX/XX/XXXX to XX/XX/XXXX ( Navient ) respectively. Therefore the alleged associated late fees are a fabrication. 

Relevant History On or about XX/XX/XXXX Sallie Mae announced their reorganization and introduced Navient. Knowing I had a forbearance in place that needed to be renewed, I made numerous attempts to contact and register with Navient with no success. There were NO communications from Navient regarding the status of my forbearance, just standardized emails regardless of my many attempts to contact them. In XXXX of XXXX I sent an email to Sallie Mae requesting help, but didnt receive a response. In desperation, I requested help from the Student Assistance Corp, received a response in XXXX of XXXX but unsure I was just walking into another problematic student loan service provider continued to pursue Navient options. 

Navient finally responded to an email that I sent in XXXX of XXXX requesting forms for a deferment, a forbearance renewal, or to apply for an IDR plan. In their response they do mention an IDR option, but their focus is on deferments and forbearances. And their IDR information misrepresents the option and its requirements indicating ; If you meet the federal definition for partial financial hardship, you may qualify for a reduction in your monthly payment under this plan... There is no mention that under an IDR plan the payment could be zero, which is what I needed at the time. Moreover, there is no mention that the IDR option could lead to loan forgiveness. Renewing the forbearance option was pursued, and in XXXX of XXXX Navient sent their Notice of Forbearance Approval. The Forbearance ran from XXXX of XXXX to XXXX of XXXX consecutively from the earlier forbearance. Therefore there couldnt be delinquent payment ( s ) from XXXX to XXXX of XXXX as Navient is reporting to the credit bureaus. This would have been covered by the forbearance or administrative forbearance as indicated in their XX/XX/XXXX email. 

It was through contacting StudentLoans.gov that I learned the real value of an IDR plan. The first IDR plan was applied for, approved, and implemented in XXXX of XXXX. Two years were lost when I could have been on an IDR plan due to Navients negligence and misleading communications. 

In support of my complaint I can send copies of emails to/from the parties confirming my above statements are true. 

P.S. On XXXX a follow up complaint was registered with Navient via email regarding the alleged delinquencies. Typical of Navient ; to date I havent even received an acknowledgement.
Consumer complaint received 2017-11-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P. (CA)

XXXX says that I have an old bill that I/O to them. However, at the time they created the bill, I had a XXXX account which is now paid in full and has been and is paid regularly. They turned it over to a credit agency. I finally was forced to file a police report, and I gave them the number. They will not let it go. They still have it on my credit. I have ask them for proof, but all they sent me is the bill. The care company is pinnacle LLC c/o XXXX
Consumer complaint received 2024-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

On XXXX XXXX I deposited a cashier 's check in the amount of {$45000.00}. After a period of 7 days, the check was successfully cleared. However, despite this clearance, US Bank has placed a hold on my account without providing any reasons or timeline for the hold. When inquiring about the situation, the branch informed me that the hold was implemented by the back office, yet when contacting customer service, I was told it was the decision of the branch. As a result, I am facing significant financial strain as I urgently require access to my funds for daily expenses and to sustain myself. I am deeply troubled by the lack of clarity and prompt resolution in this matter and urge US Bank to swiftly address and rectify this issue so that I may access my funds and continue to meet my financial obligations.
Consumer complaint received 2021-11-10
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. (FL)

On XX/XX/2021, I sent a detailed letter to each of the 3 bureaus, advising them of errors that I wanted them to research. To date, I have yet to receive mail from the bureau. I submitted my dispute through the US mail and I noted on the disputes that I also requested to receive the answers to my disputes through the US Mail. I'm aware that the FTC did allow the bureaus some flexibility at the beginning of the pandemic, but there should not be any reason they can not reply to me regarding my concerns.
Consumer complaint received 2021-02-04
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)

On XX/XX/2020 my car was broken into around XXXX XXXX, and my purse along with other belongings were stolen. I had 7 credit cards- 1 being with Chase freedom unlimited. Around XXXX XXXX I called Chase to report this and was told I had one fraudulent charge at XXXX  for {$500.00} and it looked like a gift card purchase. We promptly cancelled the card and I was issued a new one a week later.The charge was taken off and I received an email shortly there after stating that the charge was proven fraud and was removed. On XX/XX/XXXX I made a credit card payment and found everything to be correct regarding my balance. I went into the app again on XX/XX/XXXX to make another payment, and saw 6 more duplicate charges on XX/XX/XXXX for {$500.00} at XXXX that posted on XX/XX/XXXX to the former credit card number ending in XXXX. I called and was asked to provide a police report by email to the fraud dept which I did promptly the next day on XX/XX/XXXX. I was also told by XXXX XXXX that the charges were all made at the XXXX  on XXXX XXXX in XXXX XXXX in person between XXXX and XXXX. After 8 days of submitting these documents, I was continuously given the run around and was told that my fraud claims were denied, even though the initial charge was proven fraud at XXXX and all others being clearly related to each other. I was then told I needed to go to XXXX and try and obtain footage of the incident and send that information in and obtain another police report and attach the XXXX  footage to it. This is absurd. My 6 other credit cards gave me no hassle, and Chase makes it impossible to obtain any resolution.There are laws and stipulation that state if these types of incidents occur we as consumers are covered. This is theft made by Chase if I am responsible for {$3500.00} worth of charges. Why did the additional 6 charges not post until 4 weeks later? Why was the information I gave good enough to remove the first charge and not the others? This behavior on Chase ' part is abhorrent.
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-01-29
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: Santander Consumer USA Holdings Inc. (NY)

I've sent in multiple pollice reports along with the ftc identity theft report. this company has yet to investigate properly or remove thee invalid debt information. I sent a letter to the. credit agencies and this company showing fraud. I am asking that this be removed from my report asap
Consumer complaint received 2019-06-07
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: Convergent Resources, Inc. (TX)

Disputed a XXXX account previously with XXXX in XXXX and item was removed. Then it reappeared on report in XXXX and I disputed it again. This time it was not removed and it looks like the debt was just incurred but it is actually over 10 years old. This has kept me from obtaining jobs and it is lowering my score.
Consumer complaint received 2019-06-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (GA)

Simply a lack of communication. I cant get in touch with anyone at Lakeview Loan Servicing. They recently took over my loan. I've called and emailed numerous times to no avail. I've choose the automatic call back option and never received a return call. I have important questions regard my loan and switching insurers. I am now concerned that my house is uninsured because lakeview hasn't got back to me to instruct me how to add the new insurer.
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-01-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (NC)

TRANSWORLD SYSTEMS a collection agency has placed derogatory information on my credit report without due process, process to include, notifying me in writing regarding this alleged debt of {$1300.00} as well as never notifying me of my right to dispute or request verification / validation of this debt. The original creditor is : XXXX XXXX XXXX XXXX. 

This agency has placed invalid derogatory and damaging information on my credit report as valid when in fact it is not. 

My rights as a consumer have been violation pursuant to the FAIR CREDIT REPORT and FAIR CREDIT BILLING ACTs
Consumer complaint received 2020-05-08
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. (AR)

I have the XXXX  XXXX  app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report XXXX  XXXX {$4300.00} XXXX  XXXX XXXX {$1800.00} XXXX  XXXX {$3000.00} XXXX  XXXX XXXX {$11000.00}
Consumer complaint received 2019-06-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (OH)

I am on the " do not call registry '' and I have been getting prerecorded messages from random numbers stating I am implicated in a law suit and to call that number. I tried calling one of the numbers back and, no answer. So yesterday XX/XX/XXXX at XXXX I have a message from a XXXX  with " Corporate Legal Support '' at XXXX, stating she was calling for the purposes of sending me legal documents, and I need to call her back right away. I call back and a guy answers telling me the message was in regards to collect a debt from XXXX XXXX and JC Penney, I told him I don't owe XXXX XXXX and he said they were the backers of the JC Penney card, I said well good luck I am on XXXX, I had a bunch of medical problems happen. Then he got nasty and called me names and said I own property and threatened to seize it. I hung up and he called back again and started going on about the property, I told him to stop harassing me and hung up.
Consumer complaint received 2023-03-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

a suspect stole my credit card number and use it to buy XXXXXXXX XXXX and XXXXXXXX XXXX i have never use this aplication to order food before they stole {$880.00} the thieves star using my credit card on XX/XX/XXXX to XX/XX/XXXX i am very depressed that bank or america does not want to resolve this i am a XXXX yrs old and i have a hearing problem and the bank refuse to resolve my case
Consumer complaint received 2019-06-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MO)

Spoke with two XXXX rep, also disputed with Equifax and XXXX  and advised I have inaccurate accounts on my credit report. I advised that the accounts have been disputed on their website as well as letters have been sent into their office. I advise that the letters advise them of my rights and request that they provide me information about how they conducted their dispute investigation or delete these account immediately. All of my attempts and request has fallen upon deaf ears and no action has been taken on their behalf. I advised them that it has been past 30 days on all disputes. When I spoke with two XXXX representatives, I let them know this, also requested a supervisor and was transferred to a different department and was advised no supervisor was available. I have requested these unverified accounts to be deleted from my credit report and this hasn't been done, its been while over 30 days. I've sent them a 3rd and final letter notice, to correct credit report or legal matter will be taken against XXXX for violating my rights as a consumer.
Consumer complaint received 2021-10-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

XX/XX/21 Opened Citi Accelerate Savings account online and funded account via ACH transfer from my external personal checking account. 

XX/XX/21 Initiated a wire transfer online as Citi to send of the funds back to my originating external checking account, to eventually be transferred to my brokerage account. The wire was placed on hold, and never processed. 

XX/XX/21 Received an email from Citi wire transfers, requesting I call them for verification. 

XX/XX/21 Called Citi to verify wire. Representative told to call back XX/XX/21. 

XX/XX/21 Called Citi ( XXXX ) as requested, verified my identity as requested, and I was told account is under internal review which takes up to 48 business hours to complete. 

XX/XX/21 Called Citi ( XXXX ) for an update, and they told me they sent an email to internal fraud requesting update. 

XX/XX/21 Called Citi ( XXXX ) for an update, and they said they would send an email to their supervisor to expedite the issue. 

XX/XX/21 Account is still locked, with no access to funds. Cant use ATM card, or initiate an external transfer. 

When looking at complaints about Citi on XXXX, I see that this is a common complaint about Citi. Canned responses from customer service, and deadlines for responses not being met, locking people out of their accounts, with no recourse.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To whom it may concern, In the last couple of months I have been working on verifying and correcting any incorrect reporting on my credit bureaus.

On my TransUnion report I came across a collection that I was unaware of with a company called XXXX XXXX that only did credit card processing for a now dissolved company I was an XXXX  of. They are reporting a loan installment which I have never had a loan with them. With the contract entered with XXXX XXXX they collected all fees prior to disbursement of funds that were processed. 

I proceeded to dispute this reporting with TransUnion on XX/XX/2021. No response were files from XXXX XXXX and TransUnion removed there record on XX/XX/2021. However this company proceeded to report this item again on XX/XX/2021 which is a violation on the statute of limitations. 

I proceeded to contact XXXX XXXX. And was advised some fees were not collected prior to disbursement and which they attempted to collect from my bank account which returned for closed account. Since business was closed. 

XXXX  have not attempted any sort of collection efforts by mail or calls to avoid and delinquent balance and when disputed no response or proof was provided. They have also violated my rights to attempt to collect on the debts and responding to TransUnion within the 30 days time frame. I was never given any options to resolve the matter. 


Thanks
Consumer complaint received 2020-08-31
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (OH)

I started a refinance process with Mr Cooper ( Nationstar Mortgate ) to  refinance my home mortgage. I started this process on Friday, XX/XX/XXXX with XXXX XXXX at Mr Cooper. On XX/XX/XXXX I was informed that I would have to pay an appraisal fee of {$530.00} to continue the loan process and no other information regarding fees or penalties. I received information on paying the appraisal fee over the weekend while I was out of town. 

On Monday, XX/XX/XXXX I spoke to XXXX at Mr Cooper and informed him I wanted to wait until Friday XXXX to pay the appraisal fee of {$530.00} in cash. He informed me at that time that if I did so, he would have to extend the lock on the loan and that I'd have to pay a {$600.00} fee in addition to the {$530.00} and " potentially a bunch of extra fees ''. He asked me to give him a credit card to pay the appraisal fee to prevent these extra fees or I had to cancel the loan. 

I asked to speak to his manager. He sent me an email with his manager 's information in the text. I called the associated number but it was a voicemail with another phone number to call. At this time I raised a complaint to Mr Cooper 's complaints department. 

At no point was I informed that I would have less than 24 business hours to pay the appraisal fee or risk additional, much larger fees. Mr Cooper threatened to cancel my loan process or charge me additional fees as a result of not completing their process in less than 24 hours.
Consumer complaint received 2019-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (FL)

In XX/XX/2017 I obtained a secured credit card from Wells Fargo, paying an initial deposit of {$300.00}. I was told by the branch manager in XXXX, Oregon that after 1 year of making on time payments, that my security deposit would be refunded and my card would be converted to an unsecured card and my deposit refunded and credited to my checking account. It has been 2 full years now since I have had the secured card. I have never missed or been late on a single payment. I have always paid more than my minimum payment as well. 
I tried to resolve this after the first year, and was advised that they do not automatically convert the card to a secured card ; they said they review the card periodically and then decide to convert it or not. The security deposit is also " non interest bearing '' as well, meaning they are making money off my deposit and not giving me any of the interest earned. All they did was waive the new annual fee of {$25.00}.