davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (VA)

On XXXX XXXX I called XXXX XXXX regarding an issue with my monthly statement that was the exact same issue I had last year. Since she was able to help then, I thought she would help me this time. I was wrong. She said she was able to help last year because I had a complaint on file. While I was on the phone with her, she transferred me to another department and I spoke to a guy who said he would put a copy of my CORRECT XXXX statement in the mail immediately and that I would receive it by the middle of the following week. That never happened. So on XXXX XXXX, when I still had not received my correct XXXX statement, I filed a complaint with the BBB. My complaint was NOT resolved and I never did get a CORRECT XXXX statement. My grace period for paying my XXXX mortgage payment was up on XXXX XXXX and since it was obvious I was n't going to get any actual customer service, I went ahead and made my XXXX payment and crossed out all the wrong numbers on the payment slip. My payment also included additional principal as it has for the last 2 years. My check for {$2400.00} cleared my bank on XXXX XXXX, which means suntrust received my payment on time. Then the statement I got for my XX/XX/XXXX XXXX due date says that I have {$2100.00} in " unapplied funds ''. That is my monthly principal amount and it should have applied correctly. The additional principal I paid was applied correctly. My XX/XX/XXXX XXXX statement says I owe {$4200.00} which I absolutely DO NOT. When I called on XXXX XXXX to try to get the " unapplied funds '' issue resolved, the rude woman on the phone would n't even let me finish my sentences so I hung up. I called and left a voicemail with the escalation department and their voicemail says they will return customer 's calls the next day. They have never called me back and my mortgage is still a mess. I did not choose suntrust as my mortgage holder, it was sold to them, and I never would choose them. Their customer service sucks and they need to fix the mess with my account that they created and correctly apply the thousands of dollars in principal payments I 've sent them. They also need to return customer 's phone calls or change their voicemail to something that is n't lying to customers.
Consumer complaint received 2023-05-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

My wife and I decided to pay the taxes ourselves on the home, which is when the trouble began. My wife and I then decided to have Mr. Cooper  pay the taxes and insurance. 

On XX/XX/2023, I received the following documents to have them pay the taxes and insurance. My wife and I filled out the documents and returned the documents to Mr. Cooper. In addition, I was instructed to send a XXXX dollar check to Mr. Cooper, which I did on XX/XX/2023, and indicated on the check that this would be applied to the escrow account only. 

Today is XX/XX/2023 ; I called Mr. Cooper and was told that my Escrow was open and closed simultaneously. How can my escrow account be opened and closed at the same time? 

I put on check in the memo section for Escrow shortage only. Unfortunately, Mr. Cooper failed to apply the money to my Escrow account. An attempt was made to move the XXXX dollars to Escrow, but because the account was open and closed, the money could not be moved. 

Mr. Cooper refused to answer whether they would pay my taxes on my home, having assured me on or about XX/XX/XXXX that they would indeed pay all of my taxes on my home. 

I can not afford to pay this month 's taxes as I gave the money I would use to pay the tax bill to Mr. Cooper. My wife and I have lived in the current home for the last 17 years and have never missed a single payment. However, we are now in fear of losing our home for failure to pay taxes brought on by Mr. Cooper and need immediate relief.
Consumer complaint received 2016-03-01
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO. (OH)

Back in 2010, when I was busy with school, work, and volunteer activities, I was talked into signing up for a second credit card with Chase Bank, and told that this was a smart move to help build credit. I was told that this card came with overdraft protection to protect overdrafts from my checking account with the same institution. Meanwhile, I had my first credit card setup to pay the balance in full. In short, money was transferred from checking to clear the balance on the first card, and this pulled credit from the other card, which came with biannual fees and raising my interest rate from 19 % to 26 %. When I tried, numerous times over the years, to address this with Chase they ignored me, or diverted the issue. Interest rates are a function of risk. What is the risk to Chase when XXXX card is being paid off with their money? If a person did this, it would be check-kiting.
Consumer complaint received 2023-05-08
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: DISCOVER BANK (NY)

I want to refile a complaint against DISCOVER BANK I have been sending letters and filing a dispute with them, but they are not providing the proof and the methods of investigation that they conducted, they keep on telling that they conducted and verified all the information on my credit report, BUT they failed to provide the documentation which is beyond 30 days. They have violated Fair Credit Reporting Act to provide accurate information on the credit report.
Consumer complaint received 2021-05-03
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (VA)

On XX/XX/XXXX my account was robbed I contacted them sent in police report sent in all documents that was needed call back they still haven't put anything in the computer I asked to speak to higher up management or anyone that can help me with this case no one can help me it's a month later XX/XX/XXXX call back for the money that was taken out of my account they still tell me I have to wait 45 days I think that they're in cahoots with whoever took {$3700.00} out of my account I'm about to be put out of my home I went to the police I sent police reports I sent everything that they needed and they're still not trying to give me back my money I need help
Consumer complaint received 2016-07-11
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: KEYCORP (TX)

I have a {$54000.00} student loan with key bank that is serviced through XXXX XXXX. I have tried for several years to get a lower monthly payment until my wife and I get higher paying jobs. I am willing to pay every month and did as well as I could but I came to a point where I was unable to pay for a couple of months. They then gave my loan over to a third company that I would have to deal with on top of XXXX XXXX and Key. I have asked repeatedly for any kind of assistance with lowering my payment, deferment or anything that could help my situation. I can not afford the {$450.00} payment and they are completely unwilling to help. I can not consolidate the loans because they loans are too big. My only options are a lower payment or bankruptcy which is something I sincerely do not want to do. I want to pay my debts but I can not right now. If there is anything that Key would be willing to do to lower my payment I will listen. Please help me with my student loan so that I can pay it. Thank you XXXX
Consumer complaint received 2021-01-18
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: FC HoldCo LLC (OH)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. FLAGSHIP CREDIT ACCEPTAN Inquiry : XXXX XXXX, 2020, XXXX XXXX Inquiry : XXXX XXXX, 2020, XXXX XXXX Inquiry : XXXX XXXX, 2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Consumer complaint received 2016-07-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PROSPERITY BANCSHARES, INC. (TX)

XXXX XXXX - Banking Center President of XXXX showed unprofessionalism by taking the initiative to say Prosperity bank is not willing to accept customers with issues like XXXX. As an XXXX myself he decided to laugh in my place and say ; listen to this guy ' What options do I have
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I see multiple & repetitive derogatory marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-07-20
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. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report :. XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Transunion is reporting that my XXXX account was late in XXXX which is inaccurate. Ive disputed this multiple times and they continue to say its verified but XXXX said that they didnt verify it. XXXX sent me an email stating the payment was reported on time. I filed a dispute with the proof of payment as well as the letter from XXXX and Transunion still says its correct as late.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (DE)

I have an auto loan from ALLY FINANCIAL, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called ALLY FINANCIAL and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and ALLY FINANCIAL with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XXXX of 2023. There was an error on their part. I was never 30 days late.
Consumer complaint received 2022-02-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (PA)

My loan was sold by Home Point Financial ( XXXX ) to XXXX XXXX ( XXXX ). Somehow my mortgage balance owed jumped from $ XXXX to $ XXXX. Based on the documentation that I am submitting, you will find that basic math will support that this is either an impossibility or something fraudulent is going on. 

As of a statement from XX/XX/XXXX, my principal balance was {$130000.00} A second random statement from XX/XX/XXXX, my principal balance was {$130000.00} A third random statement from XX/XX/XXXX, my principal balance was {$130000.00} Even my ending principal balance ( according to my XXXX XXXX XXXX ( XXXX ) was {$130000.00}. 

So how is it that I now have received a XXXX XXXX  XXXX with a principal balance of {$130000.00}, and a XX/XX/XXXX statement reflecting an Outstanding principal balance of {$130000.00} Please help, XXXX XXXX
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (PA)

I have a Discover Card. This morning I tried to contact Discover regarding a Dispute I have ongoing. When I called I was told I will need to purchase a new phone. I was then told someone would call me back ( rather then wait on line ) and was told that would be 16-24 minutes from my call. It is now more then 30 minutes and I still have not received a call back and can not reach Discover. Help!!
Consumer complaint received 2017-01-28
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (FL)

I wrote a check to an individual on XXXX/XXXX/17. Check cleared my bank the same day. Individual receiving the check was told by his bank ( Chase ) that the check would be on hold, and subsequently funds not available to him until at least XXXX/XXXX/17.
Consumer complaint received 2022-07-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (DE)

I have attempted to receive debt validation from the company in dispute and they have ignored my attempts. My attorney sent multiple letters and they failed to validate the debt as well as the fact that they have re aged this debt on ny account multiple times. Letters were sent from last year up until this year to no avail. The company has yet again failed to substantiate this debt and also have negatively impacted my credit in doing so.
Consumer complaint received 2016-08-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (AL)

This is a medical collection, for services that I received as a result of a car accident. I obtained an attorney who contacted all creditors and collection agencies to advise that the bills were the responsibility of the insurance company. To date the insurance company has paid all bills in full. However the collection companies continue to report derogatory information on my credit report, even after my requests through the credit bureaus that they remove it.
Consumer complaint received 2022-08-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX has reported a debt of {$2600.00} on my account I have sent out a 609 debt validation letter to the company and they have refused to show valid proof of a signed document I have with them validating the debt and as such it has to be deleted with immediate effect or your company Transunion risks me suing them for not following the law.

A copy of 609 letter has also been sent to Transunion office as a physical letter over 2 weeks ago and the collection is still showing as of today.

Please delete within the next 2 weeks and send me an update via mail on the deleted collections
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Subject : Urgent Action Required : Dispute Regarding Inaccurate Credit Entry Dear [ Credit Bureau/Collection Agency ] , I hope this email finds you well. I am writing to express my deep concern regarding an entry on my credit report that does not belong to me. My intention is to resolve this matter promptly and ensure the accuracy of my credit file. 

I recently reviewed my credit report and discovered a listing in your records for a debt that I do not owe. I want to reiterate that this debt is not mine, and I am determined to rectify this discrepancy as soon as possible. To support my claim, I have already submitted a letter affirming that I have paid all my debts in full. However, I have yet to receive any documentation that clearly demonstrates the validity of this debt. 

In light of the above, I kindly request that the erroneous entry be removed from my credit report immediately. Alternatively, I request that you provide me with the necessary evidence, such as an original contract, invoices, or any other relevant documents, which conclusively prove that this debt truly belongs to me. It is vital for me to have this matter resolved in order to safeguard my financial well-being and maintain a fair credit history. 

I want to emphasize the urgency of this matter, as an unjustified negative impact on my credit report can significantly impact my financial future. It is my right, as a consumer, to have an accurate and up-to-date credit report, free from inaccurate or misleading information. 

I kindly request that you take immediate action to address this issue and inform me of the steps you have taken to rectify the situation. It is my hope that we can resolve this matter amicably and avoid any further escalation. 


Thank you for your attention to this matter. I trust that you will act in accordance with the Fair Credit Reporting Act and swiftly resolve this dispute. I look forward to receiving a favorable response from you within the shortest possible time frame. 

Yours sincerely, XXXX XXXX
Consumer complaint received 2021-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Good afternoon, I am very upset due to the fact that I've been calling and calling the credit bureaus regarding my identity was stolen resulting fraudulent account on my credit report. I recently pull my credit report and notice a few accounts on my report due to fraud. I called the companies regarding this and they told me I need to report it and then reach out to the 3 credit bureau. immediately I went to the FTC website and submit an identity theft report. I did a dispute and they are saying that it's not me. I certified that I am the one submitting the dispute. Also, every time I called the credit bureau it seems like I am going through a maze. It's almost impossible to speak to a live rep that's in the right department. I have attached the FTC report below with my driver 's license. I am asking that these accounts be removed from my credit report because it is affecting me from getting a house for my family.
Consumer complaint received 2022-07-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (SC)

Venmo has frozen my account with no explanation or course of recovery. They've been holding {$2700.00} with no explanation as to why this is happening or how I can unfreeze my account. 

I've tried to get in touch with the company through various avenues : A ) I called on XX/XX/XXXX, their phone support did not have any live agents that could help. 
B ) I emailed on XX/XX/XXXX, XXXX, XXXX, XXXX. 
C ) I attempted to contact through their app and via XXXX  on the XX/XX/XXXX. 
D ) Notified them that I am filing a complaint via XXXX  XX/XX/XXXX. 

I've only received automated responses with help articles ( that don't help ), an out of office response, and an email asking me to wait 6-7 business for more information. No follow ups or responses since.

It's ridiculous that they can hold thousands of dollars with no reason or communication.
Consumer complaint received 2020-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

I have been a reasonable, valuable, long-time CapitalOne ( multiple ) cardmember for many years. CapitalOne is now charging excessive past due fees and annual membership fees. I called today to request removal of a {$37.00} past due fee ( I missed the payment Sunday ) for the minimum payment due of {$37.00} on my card ending in XXXX. I made a double payment ( {$74.00} ) a couple of days later. 

Despite the ongoing COVID-19 pandemic, which has resulted in my being out of work since XXXX, I have tried to keep my card payments current. CapitalOne boldly and visibly claims to offer " relief '', but here I've asked for some small measure, and been denied. The truth is that their available " relief '' does not stop finance charges, and will eventually result in a card being over limit anyway, further damaging one 's credit score. 

Further, I also requested that the {$59.00} annual fee be waived ; that is an excessive fee for a card with such a low credit limit. 

I was initially connected to an overseas call center ( which is another problem - USA-based customer should never be sent to overseas call centers!! ), then requested a " Tier 2 '' supervisor. He told me that fee credits now are all " system generated '' ; i.e., supervisors no longer have any discretion. That is a convenient excuse to resolve them of any possible responsibility to assist their customers.