davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

Around XX/XX/2020 Suntrust bank put my account on hold, after talking to them they asked me to verify transaction I made in writing, in a notarized letter I explained to them that the XXXX transaction was indeed initiated by me and was for my benefit, I included a copy of my ID as requested, was promised that my account would be accessible after 72 hours. After 72 hours I called them again and was informed they cant release my funds and no reason was given. After several attempts to collect my funds on a letter dated XXXX XXXX they informed me that they have decided to close my accounts, checking and business account, I had a savings account with them too but they never sent a letter closing the savings account. 

I waited for two weeks to received my funds when I didnt receive them I contacted them, I was connected to the fraud department where they informed me that they cant release my funds unless I provide them with bank statements of every third party I did XXXX transaction and with. ( Meaning anyone I sent XXXX or who sent me XXXX ). 

I explained to the representative that was unreasonable request, I cant go and ask people for their bank statements simply because they transacted with me. I explained that some of these people I did business with them on XXXX market and I did not personally know them to be requesting their bank statements. Even for the people I know they were not comfortable giving me their bank statements. 

I asked the fraud department representative if they was any disputed transaction on my account, they said No account was closed as a preventative measure on their bank. 

So I asked if there is no any dispute why do you need bank statements of other people, no satisfactory answer was given other than thats what the investigator requested and put notes on the account. 

Ok several times I have requested to talk to the investigator and they promised they would call me but no investigator has ever called me despite several requests. 

I explained to them that I can prove the reasons for the transactions but I cant provide them with other peoples bank statements since thats beyond me. 

The balance on the savings account is {$15000.00} The balance on the personal checking account is {$1100.00} and {$100.00} on the business checking account. 

I feel they are being unfair because I have no way to obtain other peoples bank statements. 

If they want those bank statements Im sure they can go to the court and get a subpoena if they have a legal reason. 

Suntrust have given me a run around for 7 months and looks like they are not willing to help. 

Help from this institution will be highly appreciated. 

If you go on their XXXX and XXXX pages a lot of customers are complaining of the same things Suntrust holding their funds without explanation or absurd reasons and making unreasonable requests. 
If you read the comments on their social media pages you will know how many people this bank is stealing from.
Consumer complaint received 2020-10-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

I have three complaints about my mortgage servicing company.

Delayed posting of mailed checks. Checks lost in mail and then found and cashed 30 days after mailed. Inaccessible customer service to resolve simple problems.

It takes between two to three weeks from the date that I mail a payment until my mortgage company acknowledges that they receive the check. As a result, in order to avoid late charges, I must mail my monthly payment to them two to three weeks before the due date. When asked about this delay, they tell me to blame the post office. I do not have this problem with checks to other companies. Is this deliberate?

On two separate occasions, my mortgage company has told me that they did not receive my monthly payment. My payment is due on the first of every month. After I mail the check, they send me an email when it is received. If I do not get this email by the XXXX of the month, I contact them by phone. I confirm that they do not have the check, tell them that I am going to put a stop payment on the " lost '' check at my bank, and then re-send the payment to them directly over the Internet and implement the stop payment, for which I am charged {$40.00} by my bank. Most recently, I mailed my XXXX payment, due on XX/XX/XXXX, on XX/XX/XXXX. On XX/XX/XXXX, I had not received their email that the check was received. I called them, confirmed that they did not have it, told them what I was going to do, and re-sent the money directly to them over the Internet, and put a stop pay on my check XXXX with my bank. My XXXX payment was thus received well within the grace period and I was not charged a late fee. On XX/XX/XXXX, I received notice that they had found and cashed the check. I immediately called their customer service department and told them what had happened and that the check would be refused by my bank. The young lady with whom I spoke apologized and said that she would " handle '' it. On XX/XX/XXXX, I received my monthly statement for XXXX from my mortgage company as well as a letter telling me that my XXXX payment had been refused by my bank, and notifying me that they were going to charge me a {$40.00} fee for a returned check. 
I contacted them again by email and explained what had happened again, and asked them to remove this unfair, additional {$40.00} charge. I also suggested that they ought to reimburse me the {$40.00} charged by my bank for the stop payment. This was their error, not mine. I have not yet had a response from them other than to acknowledge receipt of my email. 

Every month there is an issue with this mortgage company. It is very stressful to deal with them to resolve even the simplest of problems. Their customer service department is an automated, voice recorded gauntlet of undecipherable prompts which lead you in a circle. In order to speak to a human being, it often takes over an hour on hold. If you are lucky, you might get someone who can understand your problem and resolve it. I have seldom been that lucky.
Consumer complaint received 2021-08-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

There is a collection company that has listed three accounts on my credit file. I have disputed all three as I never opened up a XXXX XXXX Account. I never received anything in the mail, no validation, no notice so I can dispute these until they popped up on my credit. 

Portfolio Recovy Assoc XXXX {$490.00} Portfolio Recovy Assoc XXXX {$1400.00} Portfolio Recovy Assoc XXXX {$3400.00}
Consumer complaint received 2018-02-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (TX)

I sold some Litecoin cryptocurrency from Coinbase on XX/XX/2017 in the amount of {$1300.00} and had it transfer to my linked account for payout. money never reached my account. I sent a support email to the company and didn't get a response. I've sent probably 10+ emails and more recently XXXX @ coinbase to try to get them to help me. I have not gotten any help in this matter in almost 2 months now. my most recent case # for the email i sent today is XXXX. I noticed that all my other emails have been deleted from the support page within my account now. This company won't help at all. Their phone lines say they can not help with anything about money whether it be deposits or withdrawals.
Consumer complaint received 2023-04-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX XXXX & Transunion To Whom It May Concern : I recently asked you to verify the information contained in my credit file in which I have provided proof that the method you used to allegedly verify this item was invalid. 

Item in Question : Bankruptcy On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX I sent you a notice that your process was not valid due to my going directly to the company XXXX XXXX XXXX XXXX XXXX XXXX and XXXX ) and either they do not report to Consumer Reporting Agencies or they are not reporting the alleged bankruptcy that you indicated in your correspondence dated XX/XX/XXXX, and the information being verified XX/XX/XXXX. Your attached correspondence shows that you replied that the alleged bankruptcy was verified via XXXX and stated that my dispute was resolved without sending me any documentation or proof of an actual investigation. 

I am aware that per the FCRA I have to give you 30 days to correct a known mistake within my credit file and at this point, you have been granted that time. This is a formal notification that I plan on filing a complaint with the CFPB, and BBB against your company if this bankruptcy is not deleted from my credit report IMMEDIATELY! 

This is my last warning. 

I have enclosed their letter for your inspection. Please delete this unverified information as you may have mixed/merged my credit file. 

The XXXX and XXXX XXXX verifying this information is not recognized as proper validation! If this information isn't removed from my consumer report immediately. My rights as a consumer indicate below. 

You are required to provide me with actual documentation of verification or... 

Remedies for Fair Credit Reporting Act Violations If any of these three types of entities ( credit reporting agency, information supplier, or user ) violates the rules in the FCRA, you might be able to sue them in state or federal court for damages. 

The FCRA lets you sue a credit reporting agency ( or another person or entity that violates the law ) for negligent or willful noncompliance with the law within two years after you discover the harmful behavior or within five years after the violation, whichever is sooner. 
Please mail me an updated copy of my report once the bankruptcy is DELETED.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX.
Consumer complaint received 2023-04-03
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: Bread Financial Holdings, Inc. (MO)

On XX/XX/XXXX, my online XXXX XXXX account was compromised and someone made a purchase for {$600.00}. The item was picked up via curbside according to the XXXX XXXX website. I immediately contacted Comenity Bank. Today, XX/XX/XXXX, I noticed a chargeback to my account on XX/XX/XXXX for this transaction. I called Comenity and they said I was liable. I dont know how that could be, my phone was stolen.
Consumer complaint received 2020-10-18
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. (NC)

THE ACCOUNTS/INQUIRIES LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX XXXX and XXXX CRA. On XX/XX/2020, I mailed XXXX XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2023-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Credit & Collection, Inc. (CA)

Nationwide ( XXXX XXXX ) filed a collection in XX/XX/2023 for a debt that is not mine. I have never lived in XXXX, TX and have no children. I disputed this with XXXX and it was removed but returned 30 days later in XX/XX/2023. I tried calling the collection agency again but their phone number recording says it is no longer in service ( XXXX ). This is not my debt and I need help removing it and preventing this company from trying to add collections to my file.
Consumer complaint received 2020-10-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC (MD)

Due to COVID-19, a state of emergency was issued on XX/XX/2020 in Maryland. Governor XXXX XXXX issued an executive order for financial companies like Mariner Finance to freeze interest on loans and not impose late fees during COVID-19 and the state of emergency. 

The interest ( 23.99 % ) on my personal loan with Mariner Finance was not freezed as of XX/XX/2020, the date of Governor XXXX 's executive order. In addition I was charged a late fee of {$29.00} on XX/XX/2020 ; XX/XX/2020 ; and XX/XX/2020. 

On XX/XX/2020, I spoke with a Mariner customer service executive who infomred me that Mariner Finance was not able to freeze interest and waive late fees during the state of emergency resulting from COVID-19 although the Governor XXXX had issued the executive order. I am submitting this complaint because Mariner Finance did not implement Governor 's XXXX 's ( MD ) executive order for businesses to freeze interest and not impose  late fees. 

I had spoke to customer service representatives on a number of occasions and had explained that I was impacted by COVID-19 but to no avail. One customer service representative told me that I work for the U.S. Labor Department so I should be able to go to  work to deal with my hardship. She had no idea that I had since retired. I did not receive adequate customer service during the height of the pandemic. The customer service representatives at Mariner Finance could care less about their customer 's who are/were impacted by COVID-19.

I look forward to hearing from you.

Mariner Finance Account # XXXX -- XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (MN)

I called AidVantage in XX/XX/2022 to get an alternative repayment plan as I was on the income driven plan prior to COVID. Their customer service set me up on a plan with an amount I could afford in that phone call. I have now received notification in which I have been approved fora an Income Driven plan at almost 3 times the monthly amount, which I can not afford! And it states that my repayment begins in XX/XX/2022 and does not refer to the current government deferment until XX/XX/2022. I will not be paying my student loans until I get accurate clarification on this and they honor the plan I set up with them in XX/XX/2022. I am doing my due diligence and I feel they are playing a game. I have emailed them and have not received a response.
Consumer complaint received 2021-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Chime Financial Inc (PA)

I am using Chime. I tried to mobile deposit a {$1000.00} check from my employer for moving expenses. It was a hand-written check on the company account. The check was declined and I contacted Chime as to the reason the check was declined. After talking with three different individuals including a supervisor I was told they could not give me a reason why it was declined. I find this unacceptable and feel they need to be reported for their practices. There has to be a reason the check was not accept and I want to know why so I don't incur this in the future.
Consumer complaint received 2020-10-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: DFC Global Corp. (TN)

I took out an installment loan in the amount of {$3500.00} with Aspen Financial Direct on XX/XX/XXXX. The terms of the loan agreement stated I would pay 52 bi-weekly payments in the amount of {$190.00} with the last payment scheduled for completion on XX/XX/XXXX. If I had made the payments as scheduled, by the end of the loan term ( 2 years ) I would have paid {$6800.00} in interest and a total of {$10000.00} for a {$3500.00} loan. This loan had an interest rate of 131.46 % and the loan agreement stated there was no penalty for early payoff. I paid off this loan early ( on the 19th payment vs the 52 payments scheduled ). After borrowing {$3500.00}, the total amount I paid back to Aspen in 19 payments was {$6900.00}! Having already paid {$3700.00} into the loan, when I called to get a payoff amount I was quoted a charge of {$3100.00}. I paid the amount quoted in full on XX/XX/XXXX to Aspen, however after calculating the interest, I found that Aspen overcharged me for the payoff amount and I should be due a refund of over {$1000.00}. I have paid almost {$7000.00} in a 9 month old loan that would have resulted in me paying {$10000.00} had I paid it back in 24 months!!! This is total robbery! I took out this loan due to a financial hardship moment I had with the expectation of paying if off asap, which I did. I have sent 3 email letters to Aspen regarding refunding me some of the payoff money they overcharged me but have gotten no response. The letters were sent on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. If I can not get this issue resolved by Aspen FinanciaI will be contacting the Attorney General and pursue legal action if necessary to correct this wrong.
Consumer complaint received 2023-01-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Hi Following a visit to our local Bank of America and discussing with a bank sales person, We were offered to refinance our Heloc at no cost with a better rate. We sign the new heloc document on the XX/XX/23. 
We noticed a discrepancy with the new balance that was higher than the previous .There is a differential of {$840.00} added to our balance. 
Luckily we have a screenshot of our balance before signing the new heloc. There is no online history of our previous XXXX. 
On XX/XX/XXXX after previously reaching out to the bank, I received a payoff statement with the total interest with no initial date or end date for the interest. It was the first time that were were made aware of it. At any point of time the bank mention additional interest adding to the balance until the new heloc started. 
We are pretty frustrated by this practice, if we had being made aware of this particular fact our decision will have being different. 

Thank You XXXX And XXXX XXXX
Consumer complaint received 2022-11-16
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: CAPITAL ONE FINANCIAL CORPORATION (MN)

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15USC1681 sec 602 states I have the right to privacy. 15USC1681 sec 604A it also states that consumer reporting agency cant furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose. 

XX/XX/XXXX - XXXX XXXX reported late payment in the amount of {$920.00} XXXX XXXX XXXX XXXX XXXX XXXX reported a late payment in the amount of {$150.00} XX/XX/XXXX - XXXX reported a late payment in the amount of {$57.00} XX/XX/XXXX - XXXX reported a late payment in the amount of {$57.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX reported a late payment in the amount of {$150.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX reported a late payment in the amount of {$150.00} XX/XX/XXXX - XXXX XXXX reported a late payment in the amount of {$40.00} XXXX XXXX XXXX XXXX XXXX XXXX  reported a late payment in the amount of {$150.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX  reported a late payment in the amount of {$150.00} XX/XX/XXXX - XXXX  reported a late payment in the amount of {$57.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  reported a late payment in the amount of {$150.00} XX/XX/XXXX - Capital one reported a late payment in the amount of {$42.00} XXXX XXXX XXXX XXXX  reported a late payment in the amount of {$42.00}
Consumer complaint received 2022-04-29
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: PLS GROUP, INC (NY)

Dispute a error transaction for a payment made on my account the problem occurred on XX/XX/2022 Service provided required documentation to resolve the transaction and obtain the amount being disputed I'd appreciate if someone could please help me with this account error as soon as possible