davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC. (GA)

On Wednesday, XXXX XXXX, XXXX, I spoke to a representative at Suntrust Bank who identified himself as XXXX a supervisor. I was concerned about the many {$36.00} charges to my account, I was told that on XXXX XXXX, XXXX I had a balance of {$230.00}. He also told me that a charge came in on that day from XXXX XXXX for {$19.00} and that amount was put on hold making my balance {$210.00}, afterwards there were other charges of - {$10.00}, balance of XXXX, then - {$25.00} with a balance of {$180.00}, then - {$56.00} leaving a balance of $ XXXX.Now here is the problem, I used the phone app which showed a balance of {$79.00} and withdrew {$60.00} which showed I had a balance of {$19.00}, I then made a purchase {$1.00} and there was a charge for {$7.00}. From my app these charges did not constitute an overdraft, however when I logged back in I found that the all transactions except the {$56.00} debit was charged a {$36.00} fee. My sincere concern is this, if the {$19.00} charge came through on XXXX XXXX, XXXX and the amount was subtracted to change my balance from {$230.00} or {$230.00} to {$210.00} and we continue to deduct the transactions from that balance that when the {$19.00} finally showed up on the account as a transaction on XXXX/XXXX/XXXX it should not have been charged a {$36.00} fee because the amount was already put on hold and deducted from the original balance at the time it was presented. My concern here is that if you put funds on hold and deduct it from a customers account you ca n't post it later as an NSF to get excess fees. It appears also that from the banks prospective even though I saw on my app that there was {$79.00} in the account and there was only {$59.00} when I made my ATM withdrawl, I was charged {$36.00} because I was {$0.00} short. After this series of charges anything else that came in, Suntrust just charged {$36.00} at will. I charge them with intent to defraud. Please advise and look into their banking practices. My account number is XXXX and the routing number is XXXX. You do have my permission to gain access to this account for your reviewing purposes. 

Regards, XXXX XXXX XXXX, # XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.
Consumer complaint received 2022-04-06
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. (MS)

n 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 a account without my written instructions
Consumer complaint received 2021-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Talked with Bank of America about the monthly fee charged on XX/XX/XXXX in XXXX XXXX. 

I had talked with Bank of America in XXXX XXXX about the fee and the fee was waived. The agent told me that I need to have more than {$10000.00} in my account to avoid the fee in the next billing cycle so I deposit the money in XXXX to keep the fund in my account to {$20000.00} but still get charged. The talk in XXXX XXXX, the representative refused to waive the fee and tell me the fee will be avoid in next billing cycle, which looks like a scam to me.
Consumer complaint received 2020-11-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi, I have something listed on my account named XXXX. However, Ive never had an account with these people. I reached out to the number listed and they said they can not give me access to account details because I am not the owner of the account. Makes no sense if its on my credit report in my name but I can access. I tried to dispute as fraud but I can not because they wont even send me any documentation to dispute. Ive been a victim of identity theft since 2007 please remove as I was never contacted and have no knowledge of this account and why its on my report. I attached my fraud alert and the account listed.
Consumer complaint received 2021-09-19
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. (GA)

Filing another complaint : Company : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX VA XXXX. 

XXXX XXXX was my mortgage lender. they violated the CARES Act : My mortgage account was in forbearance as a result of covid-19. The cares act states that mortgage forbearance as a result of covid 19 CAN NOT be NEGATIVELY reported to the credit bureaus by lenders. I have reported and my credit report is still reflecting missed payments. payments were not missed. i need loancare to write a letter to the 3 credit bureas stating to change missed payments to green on time payments. their reporting has negatively impacted me so that i can not get approved for another mortgage. 

My Loan is paid off and they still will not answer the phone, will not contact me, and refuse to fix the negative missed payments showing as red x 's for 10 months in a row on my report. I am being penalized for financial hardships during XXXX since i have paid my loan in full.
Consumer complaint received 2021-07-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (UT)

In XXXX of 2020 I purchased a pair of XXXX through amazon.com using my Synchrony amazon store credit card. I ended up returning the XXXX and was refunded by amazon for the purchase. The refund was processed on my account in XX/XX/XXXX or XXXX. In XXXX I was charged {$160.00}, initially I thought that this was a fraudulent transaction and called Synchrony. They told me that it was a purchase made on my amazon account, I checked my amazon account and nothing had been purchased through there and I informed them of this in the same call. They told me that a fraud claim would be filled and that the charge would be disputed. They came back to me later saying that the merchant claimed I never returned the XXXX. I called amazon to ask them about this and they said that I did and have even been on a call synchrony to explain to them that they issues a refund and that the product was returned and that i should not be getting charged for this. I have called synchrony at-least 4 times and talked to them via chat multiple times regarding this issue and have not been able to resolve it. They are now charging me late fees and miss payment fees for something that should have already been resolved.
Consumer complaint received 2019-11-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (CA)

We were legal cosigners with our adult daughter at US Bank. She had XXXX   XXXX XXXX and XXXX  XXXX XX/XX/XXXX. In person we visited the bank with the death certificate and all information they required to close all accounts. Once the accounts were closed and settled we transferred the remaining funds into a trust for the beneficiary. 

Our daughter is still receiving emails and letters from US Bank   regarding her accounts. 

XX/XX/XXXX : an email survey was sent to her, they want to know how they're doing. I responded to the survey, which was from XXXX XXXX XXXX on behalf of US Bank. They responded back to me they will pass the information to US Bank. 

XX/XX/XXXX : email sent to advise her about the updated XXXX alerts and to confirm the correct email associated with the account. 

XX/XX/XXXX : email received " are you missing out? '' presumably to promote services. 

XX/XX/XXXX : letter received regarding account terms, late payment fees, airline/travel service fee changes. 

XX/XX/XXXX : letter sent advising Visa card attached to account has been cancelled because of non-use.
Consumer complaint received 2021-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (GA)

XXXX XXXX made APPT @ WELLS FARGO XXXX, GA, reason for the APPT to pay off my Personal Platinum card & Pay-Off and close my BUSINESS DEBIT I paid OFF both XXXX, I also ask the Bank Associate- to SHRED the CREDIT. 

XXXX I received a alert on XXXX XXXX, that my Information was sold on the Dark web, 2 different times in XXXX. I notified each of credit card company of my concerns as well as my personal & business accounts I was told to reset my password On XX/XX/2020, I was sent a alert stating my CREDIT SCORE dropped 41 points due to WELLS FARGO PAYMENT 30 days late, I reached out WELL FARGO, escalates the call to XXXX XXXX XXXX XXXX @ XXXX XXXX took the complaint, ,advise that I go back to the WELLS FARGO XXXX I closed the ACCT, an share with then that 1. The Card was NEVER CLOSED, PAYMENT was made on the BUSINESS ACCT, No post on the Platinum ACCT. 
I then called the XXXX police department an notified the Police Department that my personal details was compromised @ XXXX location 2. my ACCT was never closed,3. And another CREDIT CARD was ordered in my name! 
Ending in Number XXXX, That I NEVER AUTHORIZED Ive literally had to CALL OVER 43x, to follow up with the WF EXECUTIVE OFFICE, an they were suppose to Notify the CREDIT BUREAS of the Mayhem they have caused me, I was given 6 different CASE SPECIALIST to rectify, this Issue Only 2 followed Up [ XXXX XXXX XXXX in XXXX XXXX, IA ] I was told that my information would be updated. letter to All XXXX bureaus were Supposed to be Notified so my Credit Score will be updated. 
As Of XXXX XXXX, my Score has dropped 65 points, an is crippling me from receiving Any resolution for my Business Credit, as Well as my Personal credit. 
I can not believe these BIG BANKS, can get away with this type of malice ruining consumers lives
Consumer complaint received 2019-11-09
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: RentDebt Automated Collections, LLC (KY)

" NEW ISSUE '' Rentdebt Automated claims they verified this debt which I requested for them to send back to the original creditor as I know nothing about this debt. Please provide as you uploaded documentation of this debt. The method of E-OSCAR documentation you sent to the credit bureaus to verify this debt. Section 623 ( a ) ( 8 ) I'm requesting the record of documentation you sent to the credit bureaus to be uploaded via the CFPB portal you sent to the credit reporting agencies. If it is fount you verified this debt with a 2 or 3 digit numeric code instead sending this documentation to the credit bureaus I will be seeking litigation for the damages.
Consumer complaint received 2019-02-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CT)

Ive tried numerous times to resolve issues with Wells Fargo but they keep coming up with lie after lie trying to say they notified us when we were in danger of a foreclosure when you did not, saying we didnt pay when we did try to make payments but they told us we couldnt during a loan modification so they are the reason we fell even more behind on everything ... when we finally got a chance to do a loan modification they turn around and say we never did a trial run and we didnt make payments when we most certainly did and we have had enough we had to do not one but two emergency bankruptcies that cost us money we dont have and had to pay which messed up our credit even more ... not to mention the stress they have been causing us which in turn has made us not feel to great we want restitution in the amount of XXXX XXXX not a XXXX less ... we will not rest until we get this resolved and save our home and our sanity.. from what these crooks did to us ...
Consumer complaint received 2017-09-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (DC)

Recently, my employer started making $XXXX a month in payments toward my student loans of $XXXX a month, held by XXXX XXXX. Accordingly, I have tried to get my direct debit amount reduced by $XXXX (XXXX XXXX would still receive the same amount each month, but the extra $XXXX  would come from my employer). The $XXXX already shows up as a credit each month on my bill, but XXXX XXXX refuses to lower my direct debit amount to anything lower than the total billed each month (even though they're now getting $XXXX more than that each month); they will only allow me to increase how much I pay in direct debt. I just called them about it today, XX/XX/XXXX. I had previously emailed them on XX/XX/XXXX, and below is what they responded on XX/XX/XXXX. I followed the instructions and it only allows increasing how much to direct debit, not to decrease.


---------- Forwarded message ----------
From: 
Date: Sat, XX/XX/XXXX at XXXX XXXX




Thank you for contacting XXXX XXXX!

To change the additional amount withdrawn through Direct Debit:

-  Sign into your online account
-  Select "Payments & Billing"
-  Select "Automatic Payments"
-  Select "Manage Direct Debit Information"

You will then be able to adjust the information in the Additional Payment Amount column.

We recommend that you use the "Contact Us" links on our website, XXXX, to submit inquiries via a secure email form.  Please use your email address on file when completing this form.  You may also call us toll-free at (XXXX) XXXX to reach our Customer Service Department, which is open Monday through Friday from XXXX XXXX until XXXX XXXX (ET).

Sincerely,

XXXX
XXXX XXXX

--- Original Message ---
On XX/XX/XXXX at XXXX XXXX
>Message: My employer now submits $XXXX a month in payment, so I would like to lower my direct debit amount by $XXXX a month. I was wondering how I can go about doing that? Thanks so much!
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XXXX XXXX XXXX Capital One closed my credit card ending in XXXX for what they stated was inactivity on my account. My account was in great standing and always paid on time and had a XXXX balance at closing. I was never sent any correspondence telling me ahead of time that my account would be closed. I called in and spoke to a customer service representative as soon as i saw the email letting me know the account had been closed. The representative stated that i had been sent a letter to my home address which i never recieved letting me know my account was to be closed. I informed the representative that i neither got a letter in the mail nor any email nor any pop up when logging in to my account stating this would happen. The representative told me he could only put me in for a review for capitol one to reopen my account but that this was not guaranteed. I informed the representative that this was unfair and that i would like my account to be reopened since i actually had a current reservation for my vacation in 2 days where i booked it using that card and that this would end up messing up my whole vacation as well as my good standing with Capital One. As a customer not being notified about closing my account when it is in good standing and has always been, is a heavy burden to bear. PLEASE REOPEN MY ACCOUNT SINCE I NEVER ASKED NOR WAS INFORMED AND NEVER WANTED IT CLOSED TO BEGIN WITH. I FEEL CAPITAL ONE IS TAKING ADVANTAGE OF THEIR CUSTOMERS BY NOT PROPERLY INFORMING THEM. THANKS FOR YOUR TIME.
Consumer complaint received 2021-01-22
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: EQUIFAX, INC. (NJ)

I sent a letter to XXXX, Equifax, and XXXX  on dates XX/XX/XXXX and another following letter XX/XX/XXXX. All negative activity removed from all three credit bureaus. Equifax, XXXX, and XXXX  are not complying with their own policies in a timely manner. Also address and name should be updated only to XXXX XXXX XXXX ( always confirming middle intial ) XXXX XXXX XXXX. XXXX, NJ XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-15
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. (KY)

As far as I know, I was not a customer of Equifax. If I am, I was not deliberately. Regardless, I never gave them permission to release my information during the recent data breach. Having used their form to check online, the service reported that it was likely my personal data has been compromised.
I spent a some hours researching how best to do damage control at this point, initiated a 90-day Fraud Alert with XXXX, and put myself on the DoNotCall Registry, and opted-out of pre-approved credit offers. I looked over my annual credit report and so far I have not seen anything suspicious, but my understanding is that this release of my personal information has put me at risk for the foreseeable future, without recourse.
I have gone to great lengths to maintain a great credit rating so I can finance a home and small business in the near future, and this development has added to my anxiety.
Consumer complaint received 2021-04-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (CA)

Hello, I was browsing an app that someone told me to check out and then put it down, a hour later i got an email saying my loan was approved and My cash was being sent out, but I NEVER MADE A LOAN. I immediately contacted the company and they said they would take care of it after a lot of struggle. The next day, {$900.00} was taken out of my account which had {$0.00} in it at the time so I was over drafted by {$900.00}. I immediately contacted this company and after some struggle again they said they would fix it and deposited the over drafted money back into the account. Mind you, there had never been any money put into my account. After that I thought it was all over, and 2 months later I get my credit report and it says I'm delinquent on my payment to them. But i check there app and it says I owe {$0.00}. So I contact customer service again and for the past months have been explaining to multiple people what happened and they all assure me it will be taken care of, but then the next day i always get an email saying '' you till owe us {$900.00} '' but i do not owe them anything. I have the chat transcripts, my bank statements and screenshots of the app to prove all this
Consumer complaint received 2022-01-08
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. (FL)

Retaliatory, discriminatory, unethical business practices should be investigated. How is it in XXXX Transunion reported I owed XXXX XXXX approximately. After writing the CEO or Multiple complaints the amount changed to XXXX to XXXX additional different amount this past year. XXXX falsified a letter with an address that was never my address stating they gave me an option to buy back the vehicle. Only after in XXXX I detailed all of the Texas State violations they were guilty of. They regurgitated my violations in the so called letter. I paid of my current vehicle instead of improving My credit Transunion union reclassified XXXX on XX/XX/XXXX as delinquent auto. Where is this legal or ethical? In one year I successfully had 4 collection items removed multiple debts paid in full and Transunion refuses to increase my credit score, I dont know what else to submit for an investigation. My only alternative is to sue.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX