davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

i Iam a XXXX XXXX year old man who lives on SSDI and my Mother whom is a XXXX year old widower woman we both depend upon our social security money to survive and buy food and other needs i was struck by a train 20 years ago she is my caregiver my XXXX year old mom then this bank that is completely erratic in polite and is totally wrong on how they think they can play with peoples money that in fact i or we do not even owe them a cent they owe us and they are refusing to give us our money deposited into their bank by the federal government which in fact is financial exploitation. No one Not even the XXXX office gives us a reason other to say they blocked our accounts and not letting us have access to our funds from the Government is a disgrace against The United States of America period. Who in XXXX  name do they think they are that they can hold over {$3000.00} of our monies just for sake off argument if we even and Do Not owe them anything. they can not make this rule hang onto our monies and say they will send us a check in the mail in 60 days is a real blow to mankind. This Guy who heads this bank XXXX XXXX the Chairman of the Board if you read this message hear this loud and clear read up and it says clearly Financial Exploitation or with holding money or medication in lawfully without justification and against a XXXX home care patient and a elderly senior citizens persons is a Federal Crime in the Great state of Illinois and i will reach out to the district attorney and attorney General and use their power to see you are arrested on this Federal Charge. i spoke to your secretary after writing yous and this must be retaliation on your part because i reported yous before to CFPB this same place and you were wrong then and are wrong now. you never even sent me a notice everyone i spoke with tells a different story everything i sent yous all the proof that we were taken advantage of y this payday loan company was sent fax by your own branch of chase bank hows that we had some issues with charges after the fact and the bank says file a dispute we did what they told us and the bank ruled in our favor
Consumer complaint received 2021-02-27
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: DISCOVER BANK (VA)

When I called up late in 2020 to resolve another issue, the Discover representative noted a recurring charge on my account. We looked into this further as I should not have ANY recurring charges - as i never allow them. It turns out the company - XXXX XXXX - a firm that I never used or gave permission to bill me - had been billing me {$16.00} on my card. ( When I looked on line, XXXX has pages and pages of complaints on this very issue, and a class action law suit against them for this. ) To avoid further fraudulent charges, I canceled this card, and got a new one with a different number. In addition, Discover started a fraud investigation. However, they did not back me up on this case and said that i did not prove fraud - even though i do not know who this company was, never knowingly gave them my information, and never received any services from them. Further, Discover said that the fact that this company was known as a fraudulent enterprise was irrelevant, something which i found incredible, as it went to the crux of the issue - particularly as they now have ads on TV touting Discover Cards commitment to combating fraudulent charges. While I understand it is not their sole responsibility to monitor my account - it is unnerving to know that I am " in it alone '' in dealing with this. A consider their actions in this to be disingenuous and unhelpful. Having been a customer for nearly 3 decades and having had great relationship in the past, i was deeply disappointed. I no longer trust Discover and will be cancelling my account. In addition, I am contacting my attorney to check on other possible actions.
Consumer complaint received 2018-02-22
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: General Motors Financial Company, Inc. (CT)

On XX/XX/18, I sent a certified letter to GM Financial asking them to validate and verify debt they are trying to collect on, with a copy of original signed contract. As of XX/XX/18, I have not received any validation from GM Financial, they have updated this account with credit bureaus as verified.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I contacted Experian multiple times I sent letters certified in the mail with identification these accounts that were opened were opened fraudulently due to identity theft. Most of the accounts from these companies were already removed I'm not sure why these accounts are still reporting. thank you for your help in solving this matter.
Consumer complaint received 2021-07-14
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. (NJ)

XXXX XXXX XXXX XXXX ON BEHALF OF XXXX XXXX  was Paid in full. The Collection Supervisor, XXXX XXXX stated, '' We will have account Deleted from all three credit reporting agencies when paid in full ''. ACCOUNT PAID IN FULL 2 weeks ago.
Consumer complaint received 2016-06-15
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (TX)

SunTrust mortgage had given me a negative credit report. They have contacted the credit bureau 's and reported late payments that are not true. Most of the report states unknown on receiving payment on time. I have complained to them that my payment is due on XX/XX/XXXX, but not late until XX/XX/XXXX. This is a VA loan and this is how it reads on paper. They still continue to call me to inform me my payment is late and it is not XX/XX/XXXX yet.
Consumer complaint received 2021-07-14
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. (NJ)

XXXX XXXX XXXX XXXX ON BEHALF OF XXXX XXXX  was Paid in full. The Collection Supervisor, XXXX XXXX stated, '' We will have account Deleted from all three credit reporting agencies when paid in full ''. ACCOUNT PAID IN FULL 2 weeks ago.
Consumer complaint received 2021-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

XXXX A payment was made in the amount of {$300.00}. Spoke with XXXX XXXX. I requested that {$260.00} escrow shortage be paid off and the {$30.00} balance be added to the current escrow balance. My mortgage payment should now be {$740.00}. Mortgage payment currently shows {$810.00}. Shellpoint Mortgage has not applied the escrow shortage payment as I have requested and paid on XXXX. On the website, Shellpoint Mortgage has not corrected the monthly mortgage payment and continues to show monthly mortgage payment {$810.00}. Escrow balance currently shows {$1200.00}. Please verify this information with the recording of call to Shellpoint Mortgage. Shellpoint Mortgage has not supplied accurate information and made no mention of the request to apply the XXXX payment to pay off escrow shortage that can be verified in the recorded conversation with the Shellpoint representative, XXXX XXXX.
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HANCOCK WHITNEY BANK (SC)

I had an account with Midsouth Bank that I opened in XXXX. When the bank announced it was being purchased by XXXX XXXX I immediately closed my account to switch financial institutions. I went, in person, to Midsouth ( before the transition to HW ) to close the account. I had {$80.00} worth of pending charges left on the account so I left {$100.00} in the account to ensure it would be enough for all remaining transactions. Midsouth called me within two days to confirm that I had closed my account completely ( I do not have a way to confirm this as it was well over a year and a half ago ). My account was closed and I have not thought about it sense. On XX/XX/XXXX at XXXX EST I received a collection call on behalf of Hancock Whitney. The caller stated that I owed " an amount over {$200.00} '' but she was unsure of the exact amount. I immediately called Hancock Whitney and the three different people I talked to all gave me  different amounts of money that I owed to close an account with them. An account I never had with a bank I have never done any work with. I was told that my information had been carried over from my closed Midsouth account and that Hancock Whitney never went through the steps to make sure it was closed. They opened an account for me and allowed fraudulent purchases on this new account. On XX/XX/XXXX of XXXX ( A full year after I closed my account ) a purchase was made in my name. They could not give me the exact amount, nor could they tell me where the money was spent. They could only tell me that I had {$210.00} in late fees from Hancock Whitney and that the amount of the purchase would be added to that amount. I checked my credit score and this is not on my credit report ( XXXX XXXX ), but I am  afraid it will be soon. This bank has committed fraud by opening an account in my name without my permission.
Consumer complaint received 2018-02-22
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (OH)

XX/XX/XXXX : cash deposit made of {$9900.00} in coins and bills.

XX/XX/XXXX : issue found on deposit amount and changed 1 of 2 times. Other change made on XX/XX/XXXX.

I have reciept stating cash deposit of {$9900.00} and another deposit stating {$9200.00} from same day. Both are over deposit bank is saying is actually placed.

Why does the deposit slip state a different amount than the transaction amount? Also, this is greater than the amount which was changed to.

When issue with transaction was discovered on XX/XX/XXXX how was this believed to be from transaction made on XX/XX/XXXX? Why did it take so long for issue to be discovered and processed?

If error was found prior why such a long difference in processing a cash transaction?

teller put transaction through bill counting machine. Counting machines add the transactions prior to being processed.

I would like to know amount counting machine states went through the system.

If amount is different on deposit from counting machine is the difference in coins?

If transaction was lower than initial deposit why was it assumed to be my transaction which was the cause?

Does each transaction get separated once processed or does each transaction get combined after being processed?

All money went through counting machine then was rebanded with correct amount the band states by the teller banding them. If a band is different than stated why is it banded in this form?

If transaction was counted in counting machine, the machine should be tied back to the teller when submitting the transaction amount so no errors are created or caught prior to making any.

Did the teller receive a warning about a difference in the transaction?

If they recieved a difference was that due to coins creating the difference?

If this isn't the case why did the teller accept a difference in the transaction?

Why didn't the teller ask for help in this transaction if there was an obvious difference from the coins and counting machine not combining the correct amount as the transaction amount?

Why was transaction deducted 2 times rather than 1 time if an error occurred?

Did more than one error occur on same transaction?

Is it common practice to not let aware errors or deductions in accounts when they occur? No attempt to contact was made in email or call when both are on file with banking system.

What is the legal grace period to change a cash deposit transaction? Cash deposits are made in legal tender coins and bills which are made legal in all of the United States no foreign money was involved in this transaction so amount should never change.

I would like to see a time stamp or transaction number of some sort from the bill counting machine referring to this transaction number on attached Reciept with the deposited amount.
Consumer complaint received 2018-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX. Reporting an account by XXXX for {$2000.00} as open. Account has also been removed but re appeared on XX/XX/XXXX. Account has been disputed before by agency and removed in XX/XX/XXXX. XXXX added the amount and reaged without informing consumers. This is against best practices. Letter was sent to XXXX to remove account as it was recorded inaccurately account was then removed by XXXX. Then opened and added on!. Several letters has been sent to XXXX with no responses. 
Then information was removed from credit reporting. The ADDED back as new account in XXXX See attachments
Consumer complaint received 2020-10-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (NC)

We are now in day 80 of our refi mortgage process. Bank continually asks for the same documentation that has been already sent, asks for new documentation randomly over the course of the 80 days, seems to be stalling for some reason on letting us know when the closing will actually be. We were conditionally approved over 3 weeks ago, yet we still don't have a closing date and the closing disclosure will now have to be updated once again since a mortgage payment is now due. 80 days and counting with no reason provided is totally unacceptable, and there wasn't even an appraisal needed.
Consumer complaint received 2021-09-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bayside Credit (CA)

For the past year i have complained about thus company distorting the facts on my credit report affecting my credit score. Now i made a payment on my loan on XX/XX/2021. Immediately after they took the payment i checked the payment history. Instead of crediting my account on the day they received the payment the date was set in the future so that i would be charged 2 additional days of interest on my loan. This has never been the case.The payment date always reflected the date it was received and the interest was taken for the correct amount of days. Its a simple interest loan and all interest is calculated between the date of last payment. Because they did this i was charged more money than i should have been.
Consumer complaint received 2021-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

After Many Disputes before TransUnion refuses to remove wrong address and/or update to the correct address because the address they have on file is missing the location quadrant which is XXXX XXXXXXXX or XXXX. Attach to this claim I am providing a Gas Bill with my adress on it to prove my claim.
Consumer complaint received 2020-07-15
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems (MD)

on XXXX XXXX I was notified that a collection was put on my credit report from a company i don't know. i have never been contacted by phone. letter. or in person by this company. there is no amount stated. I want this removed from my credit report it is doing me great harm,
Consumer complaint received 2020-07-15
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lendmark Financial Services (NC)

Tile loan was paid off XX/XX/XXXX and I have not received title for trailer. 
When contacted they stated they did not have title. 
DMV contacted and stated Lendmark was lien holder on title and has not released lien. 
Lendmark contacted again stated they did not have title that XXXX never sent it back in XXXX. 

I just want title for vehicle that has been aid off since XX/XX/XXXX it is now XX/XX/XXXX. 
Unable to sale due to no title and lien holder still on title. 
Lost income due to financial institute.
Consumer complaint received 2024-02-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (VA)

My payments are not being credited to my account and haven't been since last year. There are 2 missing payments and now my loans have been sold to someone else, without recording all the money they took from me. I provided proof 4 weeks ago and they did nothing.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-02-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

In early 2020 me and my family were the very first American families impacted by the COVID 19 Pandemic. Of course, since we were sick and with an uncertain future in the early 2020, we miss some payment on my mortgage, auto loan and credit card. I contacted my creditors and since congress passed CARES Act. Most of my creditors agreed to relief me with my payments and to do not report any late payment on my credit report. 
The only company that refuses to relief with the late payments on my credit report is my mortgage company Loancare LLC. I contacted them and I was enrolled on a forbearance until XX/XX/XXXX. when I first contacted this company, I was past due in my payments because as I said I was once of the first American families hinted financially by Covid 19. 
Now I am current on my payments, but this forbearance destroyed my credit score, this company is reporting late payments on XXXX, XXXX, XXXX, and XXXX of the 2020. I contacted them one more time and they said they are reporting late since when I enrolled on the forbearance, I was past due, and they continued reporting the late payments on the missed payments before I enrolled on the forbearance. This just do not make sense because for obvious reasons I got into the forbearance because I was struggling making payments due to the coronavirus pandemic. I have the impression this mortgage company is misinterpreting the guidelines n the CARES Act. 
I am not a lawyer but its for common sense the CARES Act gave relief to borrowers struggling making payments, I think the representatives I spoke unknow a protocol for my situation.
Consumer complaint received 2020-07-15
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. (IL)

Equifax has refused to respond to my disputes because I used a free dispute letter from the internet and Information on how to submit it for free and have it track both ways. I have done nothing to violate any regulations. I provided Equifax with all the required information to identify me. Equifax claims my disputes look like others from a " credit repair company '' but fail to acknowledge that they have responded to the vast majority of those disputes regardless. Why am I being singled out? The Fair Credit Reporting Act requires that I be treated fairly. Equifax has already not treated me like others who used the same process. Additionally, the delays are more than the 30-days laid out in the FCRA. Please immediately process my disputes and send me the results ...
Consumer complaint received 2021-02-27
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: TD BANK US HOLDING COMPANY (PA)

To Whom It May Concern : On XX/XX/2020, I sent a letter requesting that you reinvestigate or delete disputed items from my credit report as well as place temporarily remove these items from my report during the investigation period. As of this date, you have failed to respond to my request. A copy of my original letter is attached for your review. 

The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. 

I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws. 

If you have any questions or need additional information, please contact me at the address noted below. 
Thank you.