davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Today, I received the attached dispute results from XXXX, dated XX/XX/XXXX, for my TD Bank NA account showing Before Dispute Status ( XX/XX/XXXX ) Open and After Dispute Status ( XX/XX/XXXX ) Open. I voluntarily CLOSED myTD Bank XXXX account on XX/XX/XXXX as clearly and unambiguously stated in the attached two letters of TD Bank XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, dated XX/XX/XXXX and XX/XX/XXXX. How can my account remain inaccurately reported as XXXX after the dispute process if a simple straightforward investigation would certainly require reporting my account as CLOSED at consumers request on XX/XX/XXXX???? Delete my account permanently!!!
Consumer complaint received 2023-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank (MD)

I got a no information available for this page when I tried a XXXX search. 

They are using not fair tactics. I received no communications from them ever on an alleged issue and found out about it through my credit monitoring service. They reported my account as delinquent even though they have never sent any notices. They are just interested in making additional profits and not operating in a transparent manner.
Consumer complaint received 2019-10-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (TX)

XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX XXXX : Improper Repossession Practices of XXXX XXXX XXXX VIN # Dear Sir/Madam : This is a written statement to notify you of a Violation of the Fair Debt Collection Practices. 

On the afternoon of XX/XX/XXXX ; I was approached by my neighbor while walking from the mailbox located on the street corner. My neighbor ( female ) who resides at XXXX XXXX XXXX ; stated that she was outside in her yard when she noticed a tow truck driver ( XXXX male ) pulled up and was sitting directly in front of my home located at XXXX XXXX XXXX. She stated because he could not visibly see what cars was at my residence ; due to the garage door being closed. He yelled to get her attention and asked information regarding the residents living in my home and if she saw a grey XXXX XXXX. She asked him what business is it to you, and he told her he had a work order to repossess a XXXX XXXX. She told him that was none of her business and continued what she was doing. She told me he began asking other people outside about the car. She noticed after a few minutes went by the tow truck driver pulled off. My neighbor advised told me to please keep my garage door closed. I immediately advised her that I had nothing to hide and will contact the lien holder on Monday. 

Therefore, on Monday, XX/XX/XXXX at XXXX XXXX. ; I called Credit Acceptance Corporation at XXXX and spoke to Mr. XXXX at Extension XXXX. I advised him that some tow truck driver ( XXXX Male ) was asking my neighbors about the XXXX XXXX XXXX and had the audacity to state he was repossessing the car. I informed him how humiliating it made me feel to have my neighbors knowing my personal business. I told him if the driver would have knocked on my door ; I would have given him access to the vehicle. He proceeded to take down my statement and assured me he would escalate my complaint to a supervisor and have the vehicle picked up immediately. 

Furthermore, Im requesting a full investigation into this unethical business practice of this company. As a result of this unethical violation ; Im seeking to have this improper seizure and debt removed off all credit bureaus and seek damages. The creditor did not notify me in writing and/or by phone of the repossession. I was not notified of this debt and/or repossession until after Credit Acceptance received possession of the vehicle and my letter notifying them of this debt. As of this date, my letter has not been responded to by the creditor. I greatly appreciate your assistance in this matter and look forward to your prompt response. 



Respectfully, XXXX XXXX
Consumer complaint received 2019-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been attempting to login to my credit freeze account through Transunion. It used to be located at the site https : //www.transunion.com/credit-freeze. When attempting to login I receive and error. I have a record of the user name and password I used when starting the account 2 years ago. Now it appears as though the login site is https : //service.transunion.com/dss/login.page ; however, when I try to login it also returnas an error. 

Besides not having access to my freeze account, I can not get support. All support is automated and simply sends you to a password reset site. The password does not actually get reset and there is no other way of getting a resolution as there is no phone or email support at Transunion.
Consumer complaint received 2019-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (MA)

I requested a credit balance check in the month of XXXX. I called US Bank and asked when the check would arrive. I was told, instead, that the bank pushed the payments back to the third-party bill payer, CheckFreeBillPay. I shared my frustration with this action as I would have never requested this option. 
I called XXXX and they only refunded me four payments totaling, less than {$10000.00}. They gave the reference numbers and I received the return. However, the total return from US Bank was supposed to be {$10000.00}. I called US Bank and my phone call was elevated to a supervisor who created a inquiry about the missing ~ {$700.00} returned payment. A week later I received a letter from the Payment Research Department stating that the refund was completed given a trace number ( XXXX ). I called XXXX and they had no record of such a trace number. I provided them the US Bank altitude card number and saw the refund for the 4 payments that I already received. They clearly stated that there was no other refunded money. They checked the trace number 3 times. 
I called US Bank again, and again elevated to a supervisor who apologized and elevated the issue. A week later I received another letter from the Payment Research Department, stating the exact same words as the previous letter. XXXX from Payment Research Department said they it was received XXXX to XXXX with the same trace number. Again, XXXX has no idea what this number refers to and I am still waiting on my full refund for over a month. 
I am very angry at the customer service I have received. Its one thing to receive same exact letter a second time, insinuating that it must be my fault or that US Bank is not at fault at all, its another to place the burden on me to find the money you returned in the way I did not ask. 
I have found calling a third time to be a waste and rather a letter stating what has happened and my request for US Bank to call XXXX and then call me at XXXX or my husband at XXXX to tell us where the money is at. I do not want another letter. A person should be calling me. I have been patient about this issue but the treatment I have received is one of the worst I have received. 
I hope this issue is resolved. If not, I will elevate to the consumer financial protection board and pursue other legal remedies.
Consumer complaint received 2019-10-21
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. (NC)

I filed a complaint with CFPB regarding an account XXXX XXXX XXXX on XX/XX/XXXX. This item was successfully removed from my XXXX report based on the CFPB 's investigation completed on XX/XX/XXXX complaint # XXXX. I submitted the documentation to CRA XXXX and they have refused to remove this account from my report. I am requesting that this account be removed from the other 2 credit reporting agencies ( XXXX & Transunion ) based on the investigation results that removed the item from my XXXX report.
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, I was scammed for a total of {$990.00} via XXXX XXXX. I had been corresponding with an individual who had offered to sell me 9 pairs of shoes, which were to be shipped to my home, for a total of {$990.00}. 

I paid this user {$990.00} on XX/XX/XXXX via XXXX XXXX, and the money was withdrawn from my Bank of America debit card. After several days, I had yet to receive the shoes, and the merchant refused to provide tracking information. After some time, it became clear that the merchant had no intention of shipping the shoes, so I requested a refund directly from the merchant as I had not received the product I had paid for. The merchant refused, however. 

After the merchant refused my refund request, I opened a claim with Bank of America in order to dispute the transaction as I had paid for goods or services which I never actually received. Bank of America promised according to their {$0.00} liability guarantee that they would refund my money if their investigation was able to determine that the transaction was fraudulent or a scam. 

However, Bank of America recently denied my claim and refuses to pay me back my money which I was blatantly scammed out of. Furthermore, they have been extremely difficult to deal with throughout this process, as attempts to reach them by phone have only resulted in being on hold for hours before eventually being hung up on. Furthermore, when I attempted to visit their offices in-person, I was told to reach them by phone.
Consumer complaint received 2023-03-14
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: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-03-14
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. (FL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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
Consumer complaint received 2019-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I believe an error has been made in the evaluation of the removal of my Private Mortgage Insurance. 

Here are the facts of the matter : I purchased my home on XX/XX/XXXX using XXXX XXXX as my mortgage lender with a 5 % down loan that included borrower-paid PMI Huntington Bank purchased my loan from XXXX XXXX and subsequently sold it to XXXX XXXX Huntington Bank continues to service my loan I have been making on-time payments to Huntington Bank since the origination of my loan At my closing, I signed a PMI disclosure indicating that I needed to achieve a 20 % equity position, and have made my payments on-time to be eligible for the PMI to be removed. ( disclosure enclosed ) I contacted Huntington Bank customer service, an appraisal was ordered* and my current loan-to-value based on my outstanding balance and appraised value is 79 %. 
Huntington Bank sent me a denial letter for the removal of my PMI due to the fact that my loan was originated less than 5 years ago and has an equity position of less than 25 % ( denial letter enclosed ) No where in my closing document is there mention of a time frame during which I must achieve greater than 20 % equity position as a consideration of PMI removal While I understand if I had originated my loan with Huntington Bank or XXXX XXXX, I would be bound to the terms of removal formula that Huntington and/or XXXX XXXX employs I originated my loan with XXXX XXXX. Huntington and XXXX XXXX purchased the loan and are bound to the terms under which it was originated. Items such as the interest rate, mortgage amount and the terms on which the PMI would be removed can not be changed after the origination of the loan. 

My request is for the removal of my Private Mortgage Insurance effective the next payment after the appraisal that Huntington ordered was completed ( XXXX XXXX, XXXX ). 

*Additionally, I want to make you aware that the appraiser who completed the Huntington Bank ordered appraisal, omitted a bedroom, did not adjust for the school district my home resides in ( in comparison to other homes in my neighborhood that are in a less-desirable school district ), and did not account for the substantial improvements that have been completed. The appraisal I personally ordered left my current loan-to-value at 78 %.

Please acknowledge the receipt of this request.

Thank you.
Consumer complaint received 2020-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (OH)

I have a MasterCard with Citi that I have held since XX/XX/2014. I have never had an issue paying the account, have not gone delinquent. I have used the card and paid as agreed for over 5 years. During XXXX, I was distracted caring for a sick family member and forgot to make the payment for early XXXX. When I logged in and saw that I was past due I immediately made the payment. They charged a late fee. Also, within the same week, they sent me a notification that my credit line was decreased. The reason the noted in the communication was that " they show I have high utilization of other credit accounts. '' I take offense to this tactic of taking adverse action on a long time customer who is in good standing. During a crisis where all institutions, including Citi, say they are here to help and this is how I am treated. My credit utilization has been the same for the recent 2-3 years and I am current on all of my credit accounts, mortgage and car loans. Nothing is past due. To impact my credit line, charge a late fee during a global pandemic is unacceptable. Also, on this account, I have not used it recently - which should be viewed as me being responsible and paying down this debt and other debts. My high utilization will be further impacted by Citi reducing my credit line, which in turn will show me at a higher credit utilization for this account and my overall credit profile in general. I think it is an unfair practice. I am requesting that Citi reverse this decision, restore my account, which is in good standing and paid current, never past due. I'd like the initial credit line to be restored and the late fee reversed.
Consumer complaint received 2019-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (CA)

I have a Southwest Rapid Rewards card with Chase Bank that Ive been paying on monthly on time and I noticed my minimal payment jumped up {$10.00}. I spoke to 2 customer service reps and 1 Lead. The lead told me that I couldnt get my minimal payment down because they have every right to increase my bill at any time. I told her the federal reserve decreased our interest rates, so I didnt understand why my minimal payment would jump up if I havent made purchases. She told me Im paying an APR rate at 26 %, and Ive always paid an APR rate. I asked her what my interest rate was, she said my apr rate is my interest rate. I stated an APR and Interest are different.
Consumer complaint received 2019-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NJ)

I have disputed charges made fraudulently on my account while in XXXX, XXXX. The charges were credited to my account while they were being investigated by Chase on XX/XX/2019 in the amounts of {$2000.00}, {$5100.00}, and {$2000.00}. During the initiation of the dispute on my end, I told the credit card company that while I handed my card over to the establishments to secure a seat, I have never authorized the transactions. I also inquired about receipts, which when provided to me by the credit card company, did not even remotely contain anything that resembled my signature. The company prematurely finished its investigation essentially telling me that because I handed my card to someone, I was responsible for the charges. I explained that I never authorized the charges and paid in cash. The credit card company re-investigated the issue and after me providing them with a copy of my signature, simply concluded the same thing as part of initial investigation, that I was responsible because I gave my card to someone. After 5 months of stalling, significant interest has also occurred placing my card into late payment territory for the first time in years.
Consumer complaint received 2019-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

XX/XX/2019 I received an letter from the XXXX XXXX XXXX of XXXX stating the XXXX XXXX XXXX remove the accounts that's showing up on my credit report. I then sent a copy of the letter to Equafax Credit Bureau XX/XX/2019 along with a copy of my I'd and ss #. They removed the account and they know have put the account back onto my Equafax report. I wish for them to remove this account again and permanently keep it off my credit report. Thank you
Consumer complaint received 2019-10-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Love, Beal & Nixon, P.C. (OK)

Dear Sirs My wages are being garnished illegally by Love, Beal, and Nixon representing XXXX XXXX. They began harassing me for debts that was charged off at XXXX department stores. One of their representatives came to my job and left a note with the receptionist about the garnishment trying to intimidate me while working at XXXX college in XXXX. I called the company to explained that I could afford to pay the debt and do not approve of them coming to my job.. They ignored this and sent a representative to my home and let a paper with my sister about paying the debt but did not provide any information about a court date. The situation concerning this garnishment was canceled and appeared on my credit report as paid by XXXX.with a XXXX  balance. 
The Love, Beal, and Nixon debt collection agency representing XXXX XXXX proceeded with another garnishment from a credit card company named XXXX XXXX XXXX which was charge off in XXXX. They began this harassment in XXXX with calls and letters and got a court order to garnished my wages wherever I worked. They began a garnishment at XXXX XXXX in XX/XX/XXXX, where currently work. They did not send a notice to me but sent to the job in XXXX and the XXXX XXXX  did not notify me until 3 days before my payday XX/XX/XXXX, from the payroll office. The XXXX XXXX company did give the information so I could file an exemption. They garnished my bank in XX/XX/XXXX for {$17.00} dollars. I sent an exemption letter to them because they requested this information. I did not have the opportunity to contact the court concerning the latest filing of the garnishment. I make XXXX a hour and taking 25 % per pay period, and I cant afford to pay my bills. I have sick relatives and student loans, car payments and the money they are taking is too detrimental to my making ends meet. I need the money back baly to pay bills. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-20
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: Experian Information Solutions Inc. (NY)

I contacted the company listed for One of the Hard Inquiries ( The first one listed below ) and found out that they represented another company that in turn misrepresented themselves to me back in XX/XX/2019. I had applied for a business loan with them only, Never was informed that my personal credit would be pulled and i Never gave permission for it to be pulled. this company turned out to be a broker who then shared my personal information with several other companies who apparently ALL pulled my personal credit without my written or otherwise permission. I have tried to dispute it, but the company representing the Broker says they can't do any more. I never gave permission to this " broker '' company to pull my credit and i definitely never gave permission for my information to be shared or any one else to pull my credit. I have several Hard Inquires now on my report that are all now Fraud. I have placed a fraud alert on my report as well as a freeze as of today XX/XX/19, but these items need to removed. 
- XXXX XXXX XXXX Inquired on XX/XX/2019 - XXXX XXXX Inquired on XX/XX/2019 - XXXX XXXX Inquired on XX/XX/2019 - XXXX  Inquired on XX/XX/2019 -  XXXX XXXX XXXX Inquired on XX/XX/2019 - XXXX XXXX XXXX Inquired on XX/XX/2019 - EXPERIAN XXXX XXXX Inquired on XX/XX/2019 - XXXX XXXX XXXX Inquired on XX/XX/2019 - XXXX XXXX Inquired on XX/XX/2019 - XXXX XXXX Inquired on XX/XX/2019 - XXXX XXXX Inquired on XX/XX/2019 - XXXX XXXX XXXX Inquired on XX/XX/2019 - EXPERIAN XXXX XXXX Inquired on XX/XX/2019 I am requesting that ALL of the above be removed from my Credit Report as NONE of these were done with my permission or Knowledge.