davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (MD)

On XX/XX/XXXX I signed a contract with Credit Acceptance Corp Account # XXXX to finance the purchase a XXXX XXXX XXXX   XXXX  useing auto pay from my bank. From XX/XX/XXXX to XX/XX/XXXX all payments were on auto pay until I stopped payment because I became unemployed in XX/XX/XXXX and direct deposit stopped. 

Being unemployed I still managed to make all payments up to this month working for myself to survive. Paid {$380.00} on XXXX and Paid {$200.00} on XXXX. On XX/XX/XXXX I called and ask Credit Acceptance could they lower my interest rate and refinance the vehicle to a lower rate because I was unemployed and working for myself. They replied No. I also ask can lower my interest rate, that answer was also no.

When I bought the car my credit was bad because of some past problems. If you look at my credit score when I bought the car and look at it now its a big difference. Im getting calls from the lender almost every day, asking when can we expect the next payment. With this Corona Virus affecting thousand of people Im doing the best I can getting the money to pay my bills. Even my cell carrier XXXX is giving more talk, text and more during this virus situation. 

If you can help me, I need them to stop the horasing calls and try to get them to refinance the car or lower the interest rate I would be more than happy. I dont want to ruin my credit, I will pay them but its hard to get work now and they wont accept a hundred dollars from me to apply on the account. If you need to contact me my info is below. Thanking you in advance for your support ... 

XXXX XXXX XXXX E-mail : XXXX Cell : XXXX
Consumer complaint received 2020-04-24
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)

XXXX XXXX XXXX DOB:XX/XX/XXXX SSN:XXXX ADDRESS : XXXX XXXX XXXX , XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2020 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX  XXXX {$1100.00} XXXX  XXXX XXXX  XXXX {$500.00} XXXX/XXXX   XXXX {$610.00} XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-04-24
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX {$750.00} COLLECTIONS XXXX {$110.00} XXXX XXXX XXXX {$25000.00} XXXX XXXX XXXX {$280.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2020-04-24
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. (AZ)

These idiots i disputed hard inquiry and they deleted 2 positive reporting accounts one i closed and other one is 1 of 3 credit cards i have open
Consumer complaint received 2019-11-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CNG FINANCIAL CORPORATION (TX)

After obtaining the loan I had issues arise that caused me to change bank accounts. I have not yet faxed ( as that is the required method per the customer service rep ) my new banking information in. Last month I called and set up a payment to be processed and at that time asked that for any collection activity on my account they do not contact me on my work number. 

This morning I received a phone call from the collection department coming from the number XXXX XXXX XXXX XXXX XXXX on my work number. When speaking with them they stated that there were not any notes on the account indicating that I had asked for my work number not to be contacted, even though the last time I spoke with them they said they notated the account. At the start of the call they state that this is an attempt from a debt collector to collect a debt. This statement binds them to the FDCPA, which contacting me at work after I asked them not to is a violation. 

A second issue has occurred as well. When I viewed my loan online to set up an arrangement for payment I am provided with a link to use. Using that link requires a creation of an account, which I went through the first process of. Within two hours of going through that process I began receiving spam emails, texts, and phone calls. A total of 6 calls on Monday and 6 calls on Tuesday. Either my information has been sold or there is a sever data breach on their website.
Consumer complaint received 2019-11-06
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. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2019-11-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (IA)

I recently tried to close my escrow account with my new mortgage provider PNC Bank because they want to raise my escrow payment over $ XXXX/mo because they keep a 2 month " cushion '' as opposed to just 1 month which is all my previous provider required. They approved my request to close the escrow, but are now wanting to charge me {$530.00} for an escrow account closure fee. Their explanation for this fee is that I waived it when I originally closed on the home, 4 or 5 years ago, and now they have to charge me for it. After finally speaking to someone in the escalation dept.of PNC, they explained this fee is on my closing disclosure and an explanation is given that I am waiving it. After going over my paperwork and the closing disclosure, there is NO explanation whatsoever of an escrow cancellation fee. It is listed on there, with no amount or explanation. I have attached a copy of the escrow portion of my closing disclosure. 
Also, not one time did the customer service representatives I spoke to mention that there is, or potentially can be, a fee for cancelling escrow.
Consumer complaint received 2020-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I paid my Capital One credit card in full on XX/XX/2020 of {$6000.00}. On XXXX XXXX they charged me interest of {$69.00} on a {$0.00} balance. I tried several time to call and they stated that they can charge interest on the balance from a previous billing period. I was charged over {$130.00} each month in interest so I paid it in full. The next to last call the woman stated they could waive the charge due to Covid. The last time I call the person barely spoke English and hung up on me. I tried to call back but no one would answer the phone. Today, I looked to see if they responded to my letter and found they charged interest on the interest. I am frustrated as this is a huge company and the idea that they can charge interest on a {$0.00} balance ( bill was due XX/XX/XXXX ) is outrageous.I have XXXX  small children and used my income tax to pay off this debt. I no longer have the Walmart Capital One card as I misplaced it. Is this common practice to charge interest after the account is paid in full? I am closing this account but I do not want this balance reported to the credit bureau as default. I am struggling to keep my home and pay monthly bills hoping this situation can be resolved. I paid off other credit cards and not one charged me additional interest after paying in full. Can you please help me?
Consumer complaint received 2020-04-24
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: Experian Information Solutions Inc. (AR)

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.
Consumer complaint received 2020-04-24
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. (AR)

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.
Consumer complaint received 2020-04-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc ()

Hello, PayPal has limited my account ( On XXXX XX/XX/XXXX ) for 6 months, And after that, they withdraw my money coming from selling on XXXX to another Account PayPal ( ON XXXX XXXX XXXX ). Without my authorization. 
( 3 operations with proof currency : XXXX USD XXXX CAD and XXXX EUR ). 

I have written and called the customer service but no solution at this time. 

I like to have all my fees paid for all four years with PayPal, and damages Because my activity is stopped by PayPal. ( I'm an honest XXXX  on XXXX  ). I XXXX XXXX XXXX   on XXXX only that. 
( No case with buyers on XXXX and Paypal  too ) They tell on one email : PayPal has taken my money like damages because I dont respect the policy of PayPal! 


From : PayPal Customer Support Mark As Unread Print Delete RE :  Email address XX/XX/XXXX at XXXX Dear XXXX XXXX, Thank you for contacting PayPal regarding the limitation on your account. 
PayPals User Agreement explicitly states that sellers who violate our Acceptable Use Policy may be liable for damages up to {$2500.00} USD per violation. These violations may include the sale of prohibited Adult or Offensive Content, Drugs, Counterfeit Goods, etc. We have dedicated teams and robust internal processes to ensure adherence to our policy, and the company may look to recover damages from sellers who have broken our agreement. 
Sincerely, PayPal -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Copyright XXXX  PayPal. All rights reserved. 
Responses to this email address are not monitored. 

Sent : Thursday, XX/XX/XXXX XXXX XXXX ( XXXX ) PayPal Customer Support :
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I tried to sign up for a free service with transunion but had multiple problems with the website.  Today (XX/XX/XXXX) saw a charge of XXXX on my credit card with no trial period or anything.  Tried continuous times to log into the website but nothing seems to work and they are refusing to give a refund.
Consumer complaint received 2020-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

On XXXX, I mailed my check in the XXXX county property tax envelope to pay for my property tax and dropped it in the blue mail collection box. The check showed up as cashed on XXXX with the amount of {$4000.00}. 

On XXXX, I received a letter from XXXX county tax collector regarding a delinquent property tax, which prompted me to review my account and the check image attached. It appears someone has stolen the check I sent out to pay for the property tax and the check has been forged under a different name. 

On the same night, I called the Chase Bank and its Customer service department to file a claim against the fraudulent check, and I was told they would get back to me within 30 days. 

On XXXX, I went to the XXXX XXXX Sheriff station to file a police report, but was told I need to prepare the documentation and call them, they will send the police over to my house to file the report. 

On XXXX, a police report was filed with the XXXX XXXX Sheriff station, with the report number XXXX. 

On XXXX, I received a notification from XXXX declining my claim, with the reason provided as I have passed the period of reimbursement. 

On XXXX, I visited the XXXX branch in XXXX XXXX and the bank associate has agreed to call their claims department for me to find out more on the details regarding my claim. 

On same day around XXXX, the associate called me back and informed me that the bank has determined the check was fraudulent and will credit the amount back to my account within 3~5 business days. 

On XXXX, I checked my bank account but didn't see the refund. Called the branch again and the associate has agreed to follow up with their claims department to determine the status. 

On XXXX, the bank associate called me back to inform me they provided the incorrect information last week and they are denying the claim due to the same reason, it has passed the reimbursement period. The associate did disclose the the check was not cashed in their bank, and she's trying to escalate this internally. 

My question is the bank has identified the check being fraudulent but is refusing to credit my account, mentioning it's over the reimbursement period. However was it the bank 's responsibility to verify if the check is valid, before paying it to whoever was cashing the check? Also initially I was informed that I will be getting the money back, but a week later the Bank decided against that decision and claimed the associate provided incorrect information. 

As a consumer I am not getting the type of support expected since XXXX knows that there's a problem with the check, it was stolen and cashed out by unlawful means, but still refused to return my money. Essentially XXXX is pushing the blame onto their consumer, expecting the consumer to absorb the damages and the loss by providing a reason that deem invalid in my opinion. I expect the bank I use to be the gatekeeper for my assets rather than pushing the blame to consumer when XXXX hits the fan.
Consumer complaint received 2019-11-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CITIBANK, N.A. (TX)

sent me a summons in mail to address I don't live to go court in XXXX I told them before this that the account was turned over to XXXX XXXX XXXX  6 months ago and they will handle it
Consumer complaint received 2019-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Attached please find a second copy of my FTC Identity Theft Report which I mailed to all three credit bureaus on XX/XX/2019 after being advised by the FTC to submit it along with copies of my driver license, social security card and most recent utility bill with a letter that outlined these same accounts which I attached. The accounts are XX/XX/XXXXacct no. XXXX and account no. XXXX. 

After speaking to the FTC again today after receiving a report with the accounts still listed I was directed by the FTC to file another complaint. The FTC directed me to a section of their website called Knowing My Rights ( attached ) under subheading pertaining to credit bureaus which states : Get credit bureaus to remove fraudulent information from your credit report. This is called blocking. You must send them a copy of your FTC Identity Theft Report, proof of your identity, and a letter stating which information is fraudulent. Then the credit bureau must tell the relevant creditor that someone stole your identity. Creditors can not turn fraudulent debts over to debt collectors. I am attaching. 

I have done this and mailed this information on XXXX XXXX, 2019 the credit bureaus are ignoring it. 

I have also sent My FTC Identity Theft Report directly to XX/XX/XXXX XXXX XXXX. Under the FTC section Knowing Your Rights, Communicating With Creditors it states : Stop creditors and debt collectors from reporting fraudulent accounts. After you give them a copy of a valid FTC Identity Theft Report, they may not report fraudulent accounts to the credit reporting companies. 

Apparently neither the credit bureaus and XX/XX/XXXX are ignoring the Federal Law and continuing to report fraudulent accounts. 

Please remove these accounts.
Consumer complaint received 2019-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (MA)

On XX/XX/2019 I received the following unsolicited message from Chase that included advertisements of Chase 's mobile app - a service that I am not interested in and of which I never requested any information from Chase. 

In the past I requested Chase several times not to send me unsolicited email messages. I had also forwarded some of those unsolicited message from Chase to them via secured messaging system, but Chase has not stopped its practice of sending unsolicited messages advertising its optional services to me. 

Since the use of Secure Messaging system on Chase 's website is not effective, I am requesting CFPB to forward to Chase my request not to send me messages similar to the attached message. Thank you.
Consumer complaint received 2019-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2019 I checked my Transunion credit report to find that my score unexpectedly dropped from XXXX to a XXXX. When I called the company to inquire as to why my credit score dropped ( I received no prior warning for I subscribed to Transunion credit alerts and did not receive an alert for this ) m the customer care specialist kept asking if I knew " The three factors that adjust my credit score '' When I said no she said I'd have to purchase my credit report ( for {$9.00} ) When I told her that I felt I shouldn't have to pay to get an answer for a relatively simple question she said she couldn't help me. I ended the conversation saying that if I didn't get a response in writing by Friday I'd get a third party involved. On XX/XX/2019 I tried calling to inquire to see if there was an error that perhaps I could give information on and shed some light on the matter but the company 's phone line was unresponsive and I interpreted this as the company was unwilling to co-operate with me to seek an amicable solution. ( Note : The Attachments titled XXXX complaint have nothing to do with XXXX directly, they are to show my previous credit score before the incident ).
Consumer complaint received 2020-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Huntington bank froze my account. Their rep told me it was due to too many electronic transactions and would not tell me who to contact to clear it up, if I was not allowed to use XXXX or XXXX, or what the problem was. I just paid my rent which was 3 weeks late, and Huntington was happy to confirm they received my {$750.00} direct deposit from my job with the XXXX XXXX XXXX, but that they didnt know is the check I wrote for rent yesterday would clear. My problem apparently. They gave me zero information how to fix this and said I had to wait for a letter. 

Every transaction in my account is legitimate, I am a sole proprietor business person with a TIN, vendors license, sales tax exemption forms and I file monthly sales tax reports, etc. 

The electronic transactions : The XXXX was me PAYING for goods. Im not charging that back. Theres no problems with those transactions! They are payment to a vendor I have been using for over a year. 

The XXXX transactions was ME sending ME money that I withdrew from my IRA to my other account to help deal with the pandemic and unexpected costs. Im not complaining that I sent myself money. No problem with those transactions. 

Huntington needs to fix my account, debit card and online access immediately. I was supposed to pick up groceries at XXXX today which is by appointment only which I had to cancel due to this! So now were going to starve. 

These people are causing me permanent financial harm in the middle of a National emergency over NOTHING. 


XXXX XXXX XXXX Registered with XXXX  XXXX XXXX and vendors license. 

Vendors license : XXXX, last sales reporting period sales and use tax confirmation XXXX TIN XXXX Not required to have a business checking account or a DBA due to the name of the business including XXXX. 

Also a XXXX with State of Ohio, an agency named XXXX XXXX XXXX XXXX  XXXX. 

Spouse is litigious ( see XXXX v XXXX Georgia XXXX XXXX XXXX XXXX XXXX