davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-09
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: SUNTRUST BANKS, INC. (MD)

On XXXX XXXX, 2015 I reached out to a loan officer at Suntrust Mortgage in XXXX Maryland regarding a VA XXXX He quickly filed the paperwork and sent it to me. I signed the paperwork and asked my wife to hand deliver it to his office, since it is close to her place of employment. He then sent me another set of paperwork to lock in the rate. We then communicated via email that this was the rate to be locked in. Now, two months later, after hearing him complain about how busy they are, he is trying to tell me that not only is my rate not locked in ( and it would have been more than .5 % lower than what is available today ) but that he has had to add on extra fees. It has taken so long that I have had to make a mortgage payment in between, and I am concerned that they will use that fact as justification to change the deal. Since rates have gone up so much since then, I can not go anywhere else to get that deal. I was working with another company to refinance, but since my money is in a Suntrust bank, and my original mortgage was with them, I figured that I would give them the opportunity to match. They did, now they are trying to back out of it, and making all sorts of excuses. I have been in contact with the Branch Manager, who has yet to reply, the Loan Officer called me after I sent the initial email to his manager and angrily raised his voice on the phone with me. I do not want anything more or less than the deal that I signed. All of these " technicalities '' that go unexplained, and that benefit the banks, are the reason nobody trusts them anymore. I have made every attempt in the past two months to maintain lines of communication with this loan officer, and all I get is excuses, if anything at all. This is unacceptable. Suntrust Mortgage is allowing this to happen. If I had the ability to contact their executive membership, I would. Veterans, Beware. This bank, though it is XXXX of the better XXXX I have worked with, has some shady people in their Mortgage department. But, they are only human. I trust that they will eventually do the right thing. I hope. It is a savings of XXXX dollars per month, and that is quite a lot. Two months is too long for a VA " XXXX '' XXXX.
Consumer complaint received 2016-09-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (IL)

My address is incorrect on my credit report. I called all three national credit bureaus. Once, I was asked the security questions, in which, were answered correctly my address has still not been updated to reflect the correct address on XXXX of the XXXX leading credit bureaus. Those bureaus who did not update my current address is Equifax and XXXX. I am attaching the proper documentation to update my credit report. I would like my employer to be added to my public file also.
Consumer complaint received 2016-08-12
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (GA)

I have notified Santander Consumer that I was a victim of Identity Theft, my wallet was stolen, I provided Santander Consumer with a Identity Theft Affidavit. To date, Santander Consumer has failed to remove this account from my credit file. So, I am in need of your assistance in getting this account removed from my credit file.
Consumer complaint received 2017-01-11
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My Bank of America credit card was compromised and used to purchase over {$3500.00} worth of electronics equipment -- which was well beyond the credit limit of the card -- but Bank of America refuses to acknowledge that fraud occurred because they say the card 's security chip was read. I have requested and received copies of the receipts from the merchant -- a XXXX in XXXX and another one in XXXX XXXX -- and neither receipt has my signature on it. Furthermore, I can prove that I was not in either city when the fraudulent charges were made. However, Bank of America still continues to deny my fraud claim and is demanding that I pay the amounts charged.
Consumer complaint received 2015-06-24
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

My Home equity line of credit matured a little over 2 years ago. I have asked numerous times for the bank to term out the balance so i could pay them back over a period of time understanding that i would pay principal and interest. I continued to make payments for approximately 2 years. My payments are almost always on time or before the due date. 
About 3 months ago they started sending back my payments and sent me a letter saying my only option was to pay off the balance in full at this time. I asked for the balance and payoff and it seemed reasonable since i had continued to make payments in amounts greater than the interest monthly that showed on my statements. Now they send me a balance owed of over {$10000.00} in additional interest and the principal balance that appears to be that which it was more than 2 years ago??? I can not reach a manager to get any explanation of how this could be nor can i get anyone to agree to term out my payments of principal and interest once i get an agreement on the correct balance owed??? Please help me get to someone who can answer these questions and clearly discuss my option to repay this within my ability.
Consumer complaint received 2021-01-26
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC. (AK)

Please see the attached document that shows the bankruptcy was discharged INCLUDING ANY ALL STUDENT LOANS. Navient, the original creditor, is correctly reporting the loan as discharged in bankruptcy 3 years ago. XXXX, by law, is NOT ALLOWED to buy a debt that was discharged and then begin reporting it as collection owed. 

I will continue to fight this everyday until someone listens!!! STOP reporting it to my credit as collection, late!!!!
Consumer complaint received 2015-08-25
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (IN)

I have had a citi bank credit card for 10 years. The lending amount is XXXX {$.00} In 10 years I have charged and estimated amount of {$7300.00}. I have paid on this card in 10 years an estimated {$13000.00} with {$7000.00} of that being interest alone. In XX/XX/XXXX Citi bank raised my interest rate for 12.44 % to 14.99 % and I am unsure why. I also lost my job in XX/XX/XXXX and have lost a total of XXXX per year in income. I would like to negotiate a settlement with Cit Bank to pay off this credit card but they are saying I am ineligible for a settlement. I have never missed a payment and have had XXXX fee assessed to me in 10 years. Can you help me negotiate a discounted payoff?
Consumer complaint received 2015-10-21
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MA)

XXXX bank continues to list a fraudulent account on my XXXX credit report. this account was not opened by, nor used by me. XXXX continues to list this account without ever providing any documents showing my signature. this fraudulent account is preventing me from obtaining credit. the partial account number XXXX
Consumer complaint received 2022-09-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

Equifax has failed to send dispute results and is reporting the following items inaccurately ( see below ). 

ACCOUNTS XXXX XXXX XXXX XXXX-XXXXX inaccurate XXXX XXXX XXXX XXXX inaccurate US DEPARTMENT OF EDU XXXX inaccurate US DEPT OF EDUCATION XXXX never late XXXX  XXXX XXXX {$870.00} not mine XXXX XXXX {$870.00} not mine XXXX XXXX XXXX XXXX-XXXX {$420.00} not mine XXXX XXXX XXXX XXXX-XXXX {$660.00} not mine
Consumer complaint received 2023-04-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Albert Corporation (MI)

I applied for a loan to help me get by on a tough month. I wanted {$50.00} and got it. When I was done and thought the loan was repaid I tried closing the account and it said I had money transferring. Not only did they give me a second loan without my knowledge but they took money from my bank account and put it in a savings account I wasn't able to access. It took more than 2 weeks for the transaction to clear. I didn't find out I had the extra money until it was too late. I never initiated the loan, I never wanted the second loan.
Consumer complaint received 2024-01-26
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (GA)

On XX/XX/year> I called customer service to regarding a debt of about XXXX XXXX  which I don't recognize showing in my credit score, after talking with them I told them I do not recognize the names of the people and that I have never lived there. I was told the conversation was being recorded and I verbally asked for a debt confirmation or any paperwork regarding the debt. Then on XX/XX/XXXX I sent an email regarding the situation and I attached a debt validation letter to the email. After no response i sent another email regarding the situation as it has not being removed from my credit report i threaten with filling a report and taking legal action if not fixed as of today i have yet to receive any information regarding my request. As a member of the armed forces this can hurt my career and prevent me to advance and get higher security clearance in the future. I work hard to keep my credit score in top shape and this is affecting me and causing unnecessary stress.
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (NY)

Chrysler Capital is reporting XXXX successive delinquencies although the account is current, in fact I have one more payment to resolve the end of lease terms. I am current and my score has gone down because of Chrysler Capital. It is my understanding that when one brings accounts current their score replenishes, not the other way around. 

I have requested many times for forgiveness on a late payment during the COVID crisis. 

I am the co-signer XXXX XXXX, a veteran of the XXXX XXXX and retired XXXXXXXX XXXX XXXX. I am now struggling to get a loan for a vehicle of my own that I can afford to drive. Chrysler Capital is the only criteria damaging my credit score, I hope you can help this struggling XXXX man!
Consumer complaint received 2015-11-27
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. ()

I have been with XXXX citibank for over 15yrs in XX/XX/XXXX i was scammed of $ XXXXI contacted the company in XX/XX/XXXX and asked if i would be able to have the interest changed to interest free as part of being a loyal customer i thought they would comply, if i was a new customer they would give me a balance transfer for 12mths with 0 interest. they told me that i could apply for hardship and have the balance 0 % for 2mths i said i did n't want that. they said they would send me the paperwork in the mail. I inquired about the interest rate and was told that it was 12.99 % I made {$200.00} payment in XX/XX/XXXX as per the statement due and {$600.00} payment in XX/XX/XXXX which was above the minimum payment. in XX/XX/XXXX my minimum payment on my statement was {$760.00} I rang them to inquire as to why the hike in repayments and also for the interest charged prior retail of {$370.00} and a {$200.00} interest I was informed that I had not made the necessary payments in XX/XX/XXXX. I looked at my statement and the minimum payment was {$200.00}. they then told me it was because I had not paid out the loan within the 55 days the interest would then go to the higher amount of 21.74 % and the interest would be back dated I stated that I had not been told this information when I had originally inquired about the interest rates in XX/XX/XXXX which was 12.99 %. I was then told that they would waver the {$570.00} and this would be on my next statement. I inquired about closing my account and what the payout fee would be. the amount i was given was {$18000.00} minus {$570.00} being {$17000.00}. the lady told me that she would waver my annual fee if i stayed with them as i was such a loyal customer I chose to do that I then made this payment of {$17000.00} on XX/XX/XXXX thinking this was the end of it, until I received my XX/XX/XXXX Statement whereby I still owed {$470.00}. I rang too inquire why this was so as the payout figure was given to me they told me that i was given the incorrect information as on XX/XX/XXXX the reversal had taken place and the lady had given me another {$570.00} of the total amount. I stated that i had rung on XX/XX/XXXX which was 3 weeks after the reversal and they did n't have the correct figure. the lady said yes that is correct. she had made the mistake and given me the wrong information. I stated that that was her fault not mine and she said that I was still liable to pay the {$480.00} as the payout figure. I said that i want to close my account and do not wish to have any more dealing with the company as i have had nothing but heartache from them.
Consumer complaint received 2021-02-26
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: Regional Management Corporation (GA)

Around XXXX of last year I noticed several fraudulent accounts on my credit report. I submitted multiple notices and requests to each major credit bureau asking them to block the fraudulent accounts. I also sent notices to the creditors involved. To this day they are still hurting my credit score by reporting fraudulent accounts, this constitutes the crime of defamation. I sent Regional Finance Company a request to block a fraudulent account that is being reported on my credit report. The account in question was not opened by me nor did I benefit from it being opened, it was opened as a result of identity theft. The request was sent via certified mail recorded delivery.
Consumer complaint received 2017-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST CITIZENS BANCSHARES, INC. (GA)

On XXXX/XXXX/XXXX XXXX XXXX XXXX offices were shut down by the Federal Reserve. I then began to withdraw funds from my account because I was unsure of what was going to happen. In XXXX, I made transactions to remove funds to secure them somewhere else. Unbeknownst to me, one of the transactions made on XXXX/XXXX/XXXX was never deducted from the account and was not reported on the statement. The following months of statements that were sent listed a positive balance with no other activity on the account. 

On XXXX/XXXX/XXXX I was notified that the account was overdrawn because of a bank error and asked to pay the debt that same day or the account would be closed and reported to XXXX XXXX. I spoke with a rep ( XXXX ) who only wanted payment and did not offer to help me research in any way what was going on. My efforts since then have been trying to understand why it took so long to be notified and why I am being punished for the bank 's error. My account has been charged off, I have been reported to XXXX XXXX as well as the credit bureau and the bank has failed to admit any responsibility. In addition, the original amount is now being inflated to ongoing overdraft charges of {$37.00} each month. The bank made the error initially and should have offered the opportunity for resolution before any negative activity took place, which now results in my financial accounts being impacted. 

If the bank determines there is an error on your account, what is the timeframe for reporting it to the consumer? No one has the answer, but according to FDIC website .... 

" If the bank determines there is an error on your account, it must correct the error within one business day after confirming it and report the results to you within three business days after completing its investigation ( including, if applicable, notice that a provisional credit has been made final ). '' This does not necessarily specify bank errors, so I am unclear as to the manner in which I should proceed with regards to timely error reporting. The bank is unwilling to discuss or agree to removing these charges or giving me a satisfactory arrangement that is fair. I do not feel as though 4-5 months should have passed before this information was presented to me without any regards for mediation. 

From the initial contact on XXXX/XXXX/XXXX to XXXX/XXXX/XXXX I have spoken with the following : XXXX ( team lead ), XXXX ( Retention ),  XXXX ( customer service ), XXXX ( Supervisor ), XXXX ( Escalation department ) at XXXX, XXXX, XXXX
Consumer complaint received 2017-02-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (AL)

I am trying to remove a Dispute comment that I put on my account. The dispute is closed. I have been dealing with Equifax for weeks, and not only have they not taken off the dispute comments, but they have put the accounts in " Dispute status '' which is even worse. The other XXXX major credit reporting agencies took these dispute comments off immediately but I am not only getting the runaround with Equifax, but they are making it worse!
Consumer complaint received 2016-03-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ProCollect, Inc. (TX)

First, I want to disclose that XXXX and XXXX both have removed this collection from my accounts. XXXX completed their investigation and still has it open. The Amount is {$3100.00} to XXXX XXXX XXXX. The final bill includes {$1100.00} charge for Insufficient Notice Penalty. I have 60 days notice as requested and have the letter of notice. I was also charged {$110.00} and {$97.00} for Water. My water bill NEVER exceeded {$35.00} per month. I requested in writing via Certified Letter copies of those water bills, I was not sent them. Nor, was I sent an explanation of the Insufficient Notice Penalty. If this is not resolved, I will file a law suit against XXXX XXXX XXXX and XXXX. I sent XXXX proof of notice and copies of the Certified Letter requesting copies of Water Bills. I honestly do not believe they investigated this. As stated, the other XXXX credit bureaus promptly removed this from my credit report.
Consumer complaint received 2017-05-23
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Onity Group Inc. (FL)

XXXX   XXXX   XXXX  has been informed that property at  XXXX   XXXX   XXXX  in  XXXX   XXXX  Texas  XXXX  is owned by  XXXX   XXXX    XXXX   XXXX   XXXX   yet it has ignored repeated request to cease aggressive collection practices.  XXXX   XXXX   XXXX  on or about  XXXX   XXXX   XXXX  caused a collection letter to be sent by  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  again threatening foreclosure on a property owned by  XXXX   XXXX    XXXX      XXXX   XXXX  .      XXXX   XXXX   XXXX  was notified of this action on  XXXX   XXXX ,  XXXX  along with  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , the  XXXX  credit reporting agencies  XXXX ,  XXXX  and  XXXX .     Their collective action has caused undue stress and duress on us plus negatively impacted our credit files since  XXXX . They have repeated violated the Fair Credit Reporting Act ( FCRA ) along with the Federal Fair Debt Collection Practices Act. We have asked  XXXX ,  XXXX  and  XXXX  to update our credit files since  XXXX  when  XXXX   XXXX    XXXX   XXXX     XXXX  acquired said property but those credit reporting agencies have turned a blind eye to our requests.     We hereby seek damages and action to stop this undue harassment and duress caused by parties who have colluded to circumvent our legal and financial rights. Thank you for your consideration and speedy resolution to this matter.
Consumer complaint received 2017-02-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (AZ)

Received letter dated XXXX/XXXX/2017 that I owe XXXX to " XXXX XXXX XXXX '' - I have never owed this debt. I tried calling National Credit Systems and the agent hung up on me. I want this corrected and taking OFF credit reporting.
Consumer complaint received 2023-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the fair credit reporting and XXXX  account # XXXX date XX/XX/XXXX, XXXX XXXX XXXX XXXX  date XX/XX/XXXX amount {$100000.00}, account XXXX XXXX XXXX {$490.00} date XX/XX/XXXX, account XXXX XXXX XXXX XXXX {$820.00}, XXXX XXXX XXXX {$1000.00} XXXX has violated my rights. 
15 U.S C 1681 section 602A stats I have the right to privacy.

15 U.S C 1681 section 604A section 2 it also state a consumer reporting agency can not furnish a account with my written consent
Consumer complaint received 2022-09-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BOK FINANCIAL CORP (OK)

I was scammed. On XX/XX/22, I received a phone call from XXXX, claiming they were the fraud dept at Bank of texas. They wanted to know if I authorized a XXXX payment of {$500.00}. I said no. They reported the scam was done from a XXXX XXXX XXXX and would need my info to process the fraud. I googled the phone number and yes, it was from my bank ( Bank of Texas ). I gave them my sign on and password. I was sent via text ( XXXX ) a temp sign on and was told the temp password would be sent via email. I checked my email and saw several messages from Bank of Texas. When I opened one of them is said " XXXX XXXX was added to my contact list ''. This was concerning. I called the bank. They confirmed a XXXX payment of {$500.00} and I had been scammed. The bank then closed the account. I asked about the money and was told since I gave the sign on and password, I was out that money. I would not be able to recover is since it was to XXXX. All of this took place within a 15 minute window. I would like to know why I can't get my money back. Why couldn't the bank reverse the charges?
Consumer complaint received 2023-04-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Happy Money, Inc. (IL)

Before I took out the loan I was lied to about the interest. I was told the interest would be added on monthly and that if I wanted to pay off the loan early I would only be charged the interest currently accumulated. Instead, they front load it all of the interest, and when I click on my payoff amount, it had all of the interest through the entire term of the loan added to it. 
Thats the opposite of what I was told. 
Website is payoff.com /Happy money