davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: SUNTRUST BANKS, INC. (PA)

In XX/XX/XXXX SunTrust Bank received a wire transfer payment of {$160000.00} to the attention of our company. SunTrust never forwarded the funds to us but credited the funds to another partys bank account. SunTrust never contacted us, the sending bank or the payer about possible inconsistent wiring instructions. After multiple outreach by us, the payer and the payer 's bank, SunTrust confirmed on XX/XX/XXXX with us and the payer that it had the funds and SunTrust requested the payer to complete one additional form to return funds to it, which the payer did. On XX/XX/XXXX, SunTrust informed us the funds were not forthcoming and payer needed to ask its bank to contact SunTrust 's Fraud Divisions for the two banks to resolve. Since SunTrust staff and executives ( we sent letters to senior executives by XXXX with receipt required when lower staff did not respond ) have been aware of this complaint for months, it is ridiculous that SunTrust is now requiring payer bank to contact yet another SunTrust unit to investigate claim.
Consumer complaint received 2015-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NV)

My credit report shows a 180-day late payment in XXXX XXXX. However, I was not late. I have provided copies of my XXXX Payment Record ( XXXX XXXX - XXXX XXXX ) XXXX to Experian that clearly show my payments for XXXX XXXX and for the year of XXXX was never late and supports my position. Still, Experian refuses to delete ore correct this item.
Consumer complaint received 2015-05-05
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: IQOR US INC (NY)

In 2006 my XXXX daughter took out student loans and put me in as a consigner without my KNOWLEDGE, AUTHORIZATION or SIGNATURE. She LEFT home since she was XXXX years old and lived with a family member in a different state at that time. I have since asked for proof of my acknowledgedment of cosigning. Such as an email, phone call or a letter asking for my approval. I was told they used electronic signature and they do n't need my authorization. How can they do this? Now they want payment from me. This girl is a professional and has a job, why are they after me?
Consumer complaint received 2016-11-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC (CA)

On XX/XX/XXXX a letter from AlliedInterstate phone XXXX sent a collection letter to my son 's p.o Box claiming I owe XXXX XXXX {$560.00} ... I have not flown XXXX XXXX in more than 20 years. There is no possible way i owe an Airline any money. Please get this scanners in jail! ... 
Thank you, XXXX XXXX
Consumer complaint received 2022-02-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity National Financial, Inc (MI)

Complaint and QWR against ServiceLink On XX/XX/XXXX someone filed a respond to my XX/XX/XXXX complaint which implied that this respond was filed by ServiceLink , LLC employee. 
Please state the name of employee who prepared this response, his/her position with the Company and contact information such as mailing address, phone number and email, so I can contact this employee directly. 
The respond further implied that it was filed by ServiceLink LLCs agent, a corporation registered by Fidelity National Financial ( FNF ) lawyer XXXX XXXX on XX/XX/XXXX and operated by FNF employees XXXX XXXX and XXXX XXXX. 
The respond is incomplete, evasive and contradicts with ServiceLink prior respond filed on XX/XX/XXXX also by an undisclosed person. 
First, I asked ServiceLink to state if they knew that their name was being used to assert functions that Servicelink does not perform? Based on XXXX XXXX XXXX respond I conclude that Servicelink knew that their name being used to assert certain function that Servicelink does not perform Second, on XX/XX/XXXX ServiceLink said that it was retained by XXXX to provide a title report to XXXX. I asked if ServiceLink DID provide Title Report to XXXX for which ServiceLink was hired. My question was not responded. 
On XX/XX/XXXX ServiceLink stated that it was retained to perform title related activities. Please state ALL activities performed by Service Link in relationship to my property. 
Third, I asked why my documents need to be returned to ServiceLink AFTER they are recorded in XXXX XXXX instead of returning it to XXXX whose office is nearby ; and that ServiceLink is going to do with recorded documents. My question was not answered. 
XXXX, XXXX agent said that I need to talk to my lender about my modification. I dont know who is my XXXX. Please disclose the name of my creditor under whose authority XXXX hired XXXX to perform title related activities. Please state if XXXX XXXX retention was approved by BONY as XXXX for XXXX XXXX XXXX. Please disclose the name and contact information of XXXX authorized employee who hired ServiceLink , LLC As you know, corporations do not perform any services by itself, without involvement of individual employees. Please state name of XXXX employee who hired XXXX to perform title related activities. 

Preparing XXXX Report for my alleged Servicer is a subservicing activity for which XXXX must be authorized by my creditor and apparently PAID from my mortgage payments to perform this service for someone. Thus, this is subject to RESPA disclosures.
Consumer complaint received 2016-09-27
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have been charged fees over and over by bank of america, but their website and customer tools are not helpful to customers at all. There is always an inconvenience and extra steps to pay a bill or even make a deposit at their ATMS. The platform creates a problem where customers like myself are not able to perform transactions easily without accruing fees. I just spoke with the rudest representative that argued with me and then performed a customer mistreat and hung up the phone on me when I asked to speak with a manager. This behavior demonstrates Bank of America 's unwillingness to educate customers and provide accurate customer service. There phone prompts is designed to keep you from gaining access to talk with a representative. I had to call back and wait on hold a gain for more than 5 minutes due to the representative being rude and not wanting to provide his information for a follow up complaint.
Consumer complaint received 2015-06-18
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Western-Shamrock Corporation (TX)

i had a loan at western finance in XXXX texas. they closed and sold my loan to sun loan without notifying me XXXX. i had no idea until i went and the building was empty. do i still owe this loan to the new creditor since i didnt sign papers with them or know they were taking over my loan?
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I contacted Transunion, XXXX, XXXX in regards to unauthorized, inaccurate, and unverifiable information, inquiries and accounts on my report. They refused to assist me in the accurate investigation of these cases when I filed disputes with them, some they wouldn't help me dispute at all. In accordance with the fair credit Reporting Act Transunion, XXXX, and XXXX have 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 states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692C, Accounts : XXXX XXXX XXXX Texas, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. also several inquiries from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX all dating from XX/XX/XXXX - XX/XX/XXXX.
Consumer complaint received 2018-03-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

I had gotten a postcard in the mail on XX/XX/XXXX about being served and had to go to justice center to see why. So I went there XX/XX/XXXX and got a summons to court for a medical bill. So I called the debt collector number ( Wakefield and Associates , Inc. ) on the civil warrant and asked what this was from because I have never been informed of this debt. They said it was from a medical bill from the end of XXXX into XXXX. So that happened when I was still under my mothers insurance and I thought she had taking care of it but I guess not. So I asked the debt collecter why they haven't contacted me about this debt so I could resolve it and they said they had try to mail me and kept getting it returned to them until this year XX/XX/XXXX they said they mailed me to the correct address and said I got it which I never did. They said they had the wrong address all this time and now two months later I get a summons to court and this is the first I have heard about this debt. This debt has never been on my credit report and this was from XXXX but I have another debt with them from a different medical office that is on my credit report that happen in XXXX. They have mailed me about this debt since XXXX and have had my address and I have notices from them about this other debt. So how can they mail me and put on my credit report about this other debt when the debt I'm getting summons for court is not on my credit report nor was mailed to me before they summons me. They said they had the wrong address the whole time until XX/XX/XXXX but that's incorrect because I have mail from the other debt since XXXX so that's a lie. They have had my address for years and getting mail from them for years but never this debt that I got summons for. Now they are trying to charge me {$170.00} extra for summons fee and court fees on top of the debt when I haven't even been to court yet and it shouldn't have gotten summons if they would have just notified me before of this debt. But for them to say they didn't have my address is a lie because I have mail to prove it
Consumer complaint received 2023-04-05
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)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. My information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and according to This is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal they do NOT furnisher people 's information to 3rd party so this is illegal, neglect and fraud. You all can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. You all are a secondary bureau that houses consumers information. I feel your database is inaccurate and I am filing ligation against this.
Consumer complaint received 2022-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

I ATTEMPTED TO WITHDRAW MONEY FROM MY CITIBANK CHECKING ACCOUNT ( XXXX, NY ) ON XX/XX/22 AND WAS NOT ABLE TO DO SO. I CALLED COSTUMER SERVICE AND WAS TOLD BY THE FRAUD DEPARTMENT ( XXXX ) THAT THEY DECREASED MY DAILY LIMIT FOR WITHDRAWALS TO {$200.00} A DAY BECAUSE MY DEBIT CARD HAD BEEN " COMPROMISED '' AND THEY WERE GOING TO BLOCK MY CARD AND ISSUE ME A NEW ONE. I WAS TOLD THAT THEY NOTICED THE " COMPROMISE '' ON XX/XX/22 ; THEREFORE, I WAS UPSET THAT IT WAS NOW XX/XX/22 AND THEY FAILED TO NOTIFY ME OF THE " COMPROMISE '' OR THAT THEY DECREASED MY WITHDRAWAL LIMIT. I STATED THAT I RECEIVE IMMEDIATE TEXTS AND EMAILS EVERY TIME A PURCHASE IS MADE FROM MY ACCOUNT ; THEREFORE, I WOULD KNOW FIRSTHAND IF ANY FRAUDULENT ACTIVITY/PURCHASES WERE OCCURRING. I TOLD THE REPRESENTATIVE THAT I WANT MY DAILY LIMIT TO BE PUT BACK TO WHAT IT PREVIOUSLY WAS AND THAT I DID NOT WANT A NEW DEBIT CARD BECAUSE ALL OF THE PURCHASES AND WITHDRAWALS FROM MY ACCOUNT WERE ACCURATE AND MADE BY MYSELF. AS OF TODAY, CITIBANK HAS NOT GIVEN ME OFFICIAL NOTICE THAT MY DEBIT CARD WAS COMPROMISED AND HOW IT WAS COMPROMISED OR THAT THEY DECREASED MY WITHDRAWAL LIMT WHICH I FEEL I SHOULD BE ENTITLED TO. THIS IS THE SECOND TIME CITIBANK HAS SAID MY DEBIT CARD WAS " COMPROMISED '' AND I HAD TO GET A NEW DEBIT CARD EVEN THOUGH NO FRAUDULENT PURCHASES OR WITHDRAWALS WERE MADE THEN.
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (AZ)

I called XXXX XXXX on XXXX XX/XX/2024 to close the account. I had previously paid the account in full, which was over balance. The card was not used until all payments were posted. Then the card was used for {$15.00} at XXXX, then a payment was made before a statement. While on the phone with Indigo on the XXXX XX/XX/2024 I was told the account was in good standings and there was a charge for {$15.00}, but they saw the pending payment of {$15.00}. I was told the account could be closed and that payment would go through and no balance was due. Then I was emailed a statement saying I owe {$70.00}, which was an over limit fee and a late fee. They would not give me a reason except the account was over limit. I asked how is that possible when I paid the account in full, etc.
Consumer complaint received 2018-03-15
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Action Financial Services, LLC (CA)

I HAVE RECEIVED A GARNISHMENT AGAINST MY WAGES THAT DOES NOT BELONG TO ME. I HAVE ATTEMPTED TO OBTAIN A RELEASE FROM THE GARNISHMENT, BUT, THE COMPANY NAMED ON THE GARNISHMENT ( ACTION FINANCIAL SERVICES LLC ), WHEN CALLED, REFERRED ME TO ANOTHER COMPANY, XXXX XXXX LOCATED AT XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX. I HAVE BEEN UNABLE TO RESOLVE THE MATTER ON MY OWN, THEREFORE, PERHAPS I MAY OBTAIN ASSISTANCE FROM YOUR AGENCY. A COPY OF THE GARNISHMENT IS ATTACHED. 

THANK YOU.
Consumer complaint received 2016-11-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

My Case number : XXXX. I submitted a complaint by in XXXX of this year. Since then we have been trying to do a loan Modification with Select Portfolio Services. We continue to submit documents and resubmitting. On 6 different times I have request the SPS send us the transfer of the Trust Deed for every time my loan has been sold. Twice in writing and 4 times on the phone. I have also request my complete payment history from the origination of the loan. Finally this week they sent me the payment history dating back about 3 years ( the loan was originated in 2007 with XXXX XXXX ). I have never received the Trust Deed or the complete payment history. Yesterday we were sent a notice that they were filing a notice of default and setting a sale date, and we thought we were negotiating for a loan modification. We ca n't understand how they can file a notice of default if they refuse to supply us with the required documentation.
Consumer complaint received 2015-05-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am trying to rent an apartment and the renter ran a credit report on me through Transunion and was unable to get any information. I also tried getting my free annual credit report though Transunion and XXXX and both would not give me any information. I was able to get my report using XXXX though.
Consumer complaint received 2015-12-10
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have been fighting with Transunion for quite some time to get my credit report straight. Other than my open accounts i have applied for NO credit anywhere as my wife and i prepare to purchase our fist home. I have filed a complaint with the XXXX and there response what that people do n't need my permission to run my credit. This is inaccurate and these fraudulent inquiries are messing up what would be a good credit profile. All recent requests for my credit are fraudulent and i request that they be removed. You can see on my report the accounts that are open and in my name because i pay them monthly. However i have not seeked new credit. Please help me in getting transuion to remove these several inquiries off of my report that are fraudulent so that i may continue on the road of preparing to purchase my first home. As a Vet and XXXX it sickens me that i have to go through all these channels just to get my credit report accurate because the agencies refuse to do anything. All they do is call the creditor and say " did you get a request for credit '' and i assume they say yet and this makes it a valid inquiry? NO i do n't think so, because anyone could call and say they are me and if it is not me i do n't want to be penalized for it. Again my only complaint is that most all of the inquires on my report are wrong. Please help me get them removed.
Consumer complaint received 2020-11-25
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: BMW Financial Services NA, LLC (TX)

Good afternoon, My name is XXXX XXXX XXXX and I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX,2020 XXXX XXXX,2020 XXXX XXXX2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Consumer complaint received 2015-09-11
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION (PA)

I REQQUESTED VERIFICATION OF DEBT FROM XXXX ACCOUNTS WITH CENTRAL FINANCIAL CONTROL AND WAS NOT PROVIDED WITH DEBT VERIFICATION. ALSO, I PAID THE DEBTS HOPING THAT I WOULD RECEIVE DEBT VERIFICATION ON THE FOLLOWING ACCOUNTS : ACCOUNT NUMBER : XXXX - PAIDACCOUNT NUMBER : XXXX - PAIDACCOUNT NUMBER : XXXX - PAIDI WANT TO KNOW WHY I WAS NOT PROVIDED WITH DEBT VERIFICATION AND PAPERWORK AS REQUESTED. ALSO, I WOULD LIKE THESE PAID COLLECTION ACCOUNTS REMOVED FROM MY XXXX CREDIT REPORT.
Consumer complaint received 2024-03-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (IL)

I signed up for the SAVE plan in fall of 2023. The federal government website clearly states The SAVE Plan has an interest benefit : If you make your full monthly payment, but it is not enough to cover the accrued monthly interest, the government covers the rest of the interest that accrued that month. This means that the SAVE Plan prevents your balance from growing due to unpaid interest. My student loan servicer Nelnet continues to allow my substantial amount of student loans ( Greater than {$250000.00} ) to accrue compounding interest despite being on the SAVE plan and contacting them numerous times to remedy the issue. They are trying to claim I have to wait until 20-25 years have gone by before the interest is forgiven. This is not how the SAVE plan is supposed to work. It is clearly written that the federal government should pay the remaining interest that accrues after I make my required monthly payment. I have contacted them numerous times with no help and the total amount continues to grow.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (WA)

I made the payment before XXXX ET payment cutoff deadline on my Barclay 's Wyndham XXXX Visa credit card. However the company still charged me a late fee. I have a printed time stamped verification of my payment. It was made at XXXX PT which is XXXX ET, so the payment should not have been marked as late.
Consumer complaint received 2015-10-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I went in to Bank of America to open a account. I was told by the branch manager that my name and social security number was showing up XXXX. I was then giving a phone number XXXX to call. I call the number and the person answering the other line, searched the information I 've giving them. An I was told my name and social was not XXXX, but on the Branch Managers computer inside of Bank of America was stating I was not able to open a bank account. The Branch Manager and the person XXXX spoke on the phone to one another and at the end of their conversation. I was still not allow to open account.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.