davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION (FL)

Hi there, My Savings account at BBVA Compass got charged an EXCESSIVE TRANSACTION FEE of {$6.00} on XX/XX/2019. 

When I opened this saving account, it was stated that " Access your money, with up to 4 withdrawals per statement cycle fee free. '' There is no definition of the length of the statement cycle on that webpage when I signed up. ( See attached a screenshot of the webpage ) In this case, I believe that most of the ordinary customer like myself would assume the statement cycle would be monthly by common sense, since I have never encountered a bank issuing statement that is not on a monthly basis. 

When I reached out to BBVA 's customer service regarding the fees that were charged. They stated that their four free withdrawals are on a per quarter basis, which was quite surprising to know. I then tried to do some research to find out their fee schedule and couldn't find it from their website. However, based on the information I got from the internet, I am not the only one that believes their four free withdrawals are on a monthly basis. See this website for your reference : XXXX XXXX XXXX Their free-withdrawal limit is unclear and misleading. 

I then asked them to confirm that whether the four free withdrawals are on a per quarter basis or a monthly basis. They provided me with a fee schedule that is not easy to find : https : //www.bbvausa.comXXXX I asked them to refund the fees because if I am aware of this unique withdrawal requirement, I would either not opening this account at all or be careful to keep the withdrawals under limits. It is unfair for customers to get charged a fee because of the unclear and somewhat hidden information provided by the bank. 

Please help me get the refund for the {$6.00} Fee. Thanks in advance for your help.
Consumer complaint received 2020-02-06
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. (NJ)

I have reached out to Experian several times regarding inaccuracies on my credit report. While they respond, they do not properly fix it and in fact make matters worse by reporting it incorrectly. I have prepared 3 letters regarding 3 items that are really hurting my credit. Please see attached.
Consumer complaint received 2019-11-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (OH)

I lived in XXXX XXXX Apartments at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I gave a proper two-month notice, and left according to the terms of my lease. On XX/XX/XXXX I received notice from my credit monitoring service that I had been turned over to collections regarding XXXX XXXX XXXX. I disputed this, and on XX/XX/XXXX XXXX completed their investigation and would not take the collection item from my account. 

XX/XX/XXXX I was notified by Hunter Warfield that they were trying to collect a debt for XXXX XXXX. I responded to them via certified mail on XX/XX/XXXX stating that I did not owe this debt. I have attached this as CORRESPONDENCE # 1. 

Their reply finally came on XX/XX/XXXX, and I have attached this as CORRESPONDENCE # 2. 

Also, XX/XX/XXXX I received similar debt correspondence from the firm of XXXX XXXX XXXX XXXX XXXX. I replied to them via their provided fax number on XX/XX/XXXX asking for backup for the debt they claimed I owed. I have attached this as CORRESPONDENCE # 3. 

I never received an answer from XXXX XXXX XXXX XXXX XXXX, but starting XX/XX/XXXX I have been receiving sporadic resolution offers from Hunter Warfield trying to collect a debt from me from XXXX XXXX or XXXX XXXX, depending on the month apparently. I have attached this as CORRESPONDENCE # 4. 

As you can see from all the documents back and forth I have repeatedly asked for proof that I owe this debt. I asked numerous times for backup documentation that I owe thousands of dollars in damages, and just keep getting the same runaround.
Consumer complaint received 2019-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Santander Consumer USA Holdings Inc. (ND)

I am in the process of improving my credit score so I opened a credit monitoring account. Over the last 2 years I have been contacting and paying off or removing old collections. I knoticed on my auto loan collections it showed Santander Consumer USA opened on XX/XX/XXXX and was last reported on XX/XX/XXXX. The amount shows {$15000.00} paid 100 % and account closed on XX/XX/XXXX. I tried to dispute to have this collection removed off my credit report as it was showing paid/charged off. Instead of it being removed it was declined and updated stating payments late/not paid through XX/XX/XXXX and states the last payment was made on XX/XX/XXXX, neither of which are accurate or rational. Due to this I called the Santander customer service hot line 3 different times only to never get answers. The 1st time I called they could not find any account under my name or social and then proceeded to give me 2 other collection agency numbers to call saying they sold the account. When calling those numbers no accounts were able to be found as well using any personal information. The 2nd customer support call still no account could be found and they stated they cant remove the collection if they cant find the account and I needed to redispute the credit bureaus findings. So I once again disputed this collection this time with a description of the reason for dispute, only to be told all the findings for the previous dispute would stand. They claim Santander is providing proof of this account although they are unable to provide me any information. I called for the 3rd time today only to be told for another time they are unable to find any account, collection, or information using my social security number and name. This has been going on for a month now with still no proof of an account and no change to my credit report.
Consumer complaint received 2019-11-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ZWICKER & ASSOCIATES (NJ)

Subject : XXXX XXXX and their debt collection department Zwicker & Associate are not providing the account numbers for my three credit cards. 

Issue : 1 ) XXXX XXXX removed Auto pay access from the three credit card account. 
2 ) XXXX XXXX & Zwicker & Associate refusing to provide account numbers for my three credit cards. I have the right to know my account numbers. 
3 ) The monthly XXXX XXXX statements only provide the last 5 digits of my three credit cards.

Background I intend to setup online bill payment with my Checking for which I need the 15 digit account number for my three credit card accounts. I reached out to XXXX XXXX on XX/XX/2019 around XXXX XXXX  at XXXX and they referred me to debt collection department Zwicker & Associate. XXXX XXXX representative told me to call at XXXX which is the debt collector Zwicker & Associate. I called Zwicker & Associate and they referred me back to XXXX XXXX and refused to provide the three account numbers for which debt is owed. Zwicker & Associate said XXXX XXXX had instructed them not to provide to the customer. I contacted XXXX XXXX again and this time the representative hang up the call and didn't provide the account number.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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
Consumer complaint received 2019-08-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Levy Diamond Bello & Associates, LLC (WA)

Our business established a contract with XXXX XXXX in XXXX of XXXX to provide and maintain water filtration and dispensing equipment in our place of business for 3 years, on a monthly basis. We were given a verbal assurance that after 3 years, we could cancel at any time, without any fees or hassles. Initially, the equipment provided was defective and damaged the finish of our floors. The equipment was removed and replaced after a couple months and our business was given credit for the months that the equipment was not available. The technician for the company took photos of damage and gave assurance that the company would pay for repairs or provide credit towards that. In XXXX of XXXX, the office manager for our company contacted XXXX XXXX to notify them that we intended to discontinue service at the end of the year and she wanted to schedule removal of equipment. She was told that the 3-year contract would not be complete until XXXX of XXXX, because our business did not pay for the period during which the equipment was not available, so our contract was not considered activated until XXXX. She submitted an online contact in XXXX of XXXX, confirming cancellation. When I contacted XXXX XXXX in XXXX of XXXX to coordinate removal of the equipment and officially terminate the contract, I was told that they had unilaterally auto-renewed the contract for 3 years as of XXXX, and termination prior to XXXX of XXXX would incur a fee for the entire 3-year period, in addition to a removal fee. At that time, I requested a full accounting of the contract from our finance manager, who determined that no credit had ever been provided for the damage to our facility, and our business had met all obligations of the contract provided, including giving adequate notice of termination. Our business never agreed to any termination fee or removal fee, nor did we agree to renew the agreement for an additional 3 year period. In XXXX of XXXX, I submitted a request for verification of debt and received no response from XXXX XXXX. XXXX XXXX continued to make demands of payment, under threat of collections actions and threats of making adverse reports to damage our business credit. The equipment was eventually removed from the premises. Recently, our business has been receiving collections communications on behalf of XXXX XXXX from a collections firm by the name of Levy, Diamond, Bellows and Associates. This company has also threatened to take legal action without providing any verification of debt. This harassment is causing undue stress and strain on our small business.
Consumer complaint received 2019-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (TN)

Subject : Cash earned or built up from Walmart Discover Card  ending in # XXXX. This card was originally managed by G.E. Capital Retail Bank until it was transferred to Walmart Master Card ending in # XXXX and managed by Synchrony Bank. My current Walmart credit card # XXXX was originally managed by Synchron Bank, but is now managed by XXXX XXXX. 

The last statement I ever received from Credit Card # XXXX with a closing date of XX/XX/XXXX showed that I had a cash earned balance of $ XXXX. This credit card built up cash from month- to -month as my previous statements show. ( I have all of the statements ). I received a postcard in XX/XX/XXXX saying this Walmart Discover Card was changing to Walmart Master Card and could not be used after XX/XX/XXXX. This Credit Card # XXXX had been managed by G.E. Capital Retail Bank until Synchrony Bank took over in summer of XX/XX/XXXX. The new Credit Card became Walmart Master Card # XXXX managed by Synchrony Bank. I have this Credit Card ending in # XXXX which was valid through XX/XX/XXXX as shown on the card. Nothing was mailed me showing me that my cash of {$1.00} was transferred to the Walmart Master Card # XXXX. 
I have spoken to XXXX, Supervisor, @ Synchrony @ XXXX on XX/XX/XXXX. She said things had been transferred to XXXX XXXX, and it was XXXX XXXX 's problem. I spoke to XXXX, Supervisor, @ XXXX XXXX XXXX on XX/XX/XXXX. She said it was Synchrony 's problem -- not XXXX XXXX 's.. 
I have asked each of the above Supervisors, XXXX and XXXX, to transfer my {$1.00} to my current Walmart Credit Card # XXXX as a credit or mail me this amount. Neither of them agrees to do this. 
Synchrony Bank should have notified me back in XX/XX/XXXX what was happening to my {$1.00}, but they did not.
Consumer complaint received 2019-08-30
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. (TN)

On XX/XX/XXXX, I submitted an online dispute with Experian to remove a personal statement on my XXXX XXXX XXXX account. This option to dispute the statement was available via the online dispute on their website. Om XX/XX/XXXX the dispute was closed and my updated Experian and XXXX  credit reports showed the entire positive account had been deleted. This in turn lowered my credit score. After finally getting in touch with a live rep in the dispute dept, I was told I would have to call XXXX XXXX in order to have it put back on my report. This is unfair since it was completely Experian 's fault.
Consumer complaint received 2019-08-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

SPS denied us a repayment plan home retention in response to RMA we filed on XX/XX/XXXX ( 46 days before foreclosure then scheduled for XX/XX/XXXX ). RMA completeness was affirmed by SPS on XX/XX/XXXX or XXXX, XXXX. In XX/XX/XXXX response letter to our appeal of RMA repayment plan denial decision SPS changed the denial reason given to us to by SPS on XX/XX/XXXX. 
XX/XX/XXXX SPS rejection of the Repayment Plan option was due to our alleged bankruptcy status. In XX/XX/XXXX ( as well as on XX/XX/XXXX ) SPS changed the denial reason and informed us the reason for the denial of the Repayment Plan was because SPS previously provided a decision regarding this program on XX/XX/XXXX. ( i.e. during a separate loss mitigation evaluation conducted twelve ( 12 ) months prior to the XX/XX/XXXX recent decision ). 
SPS unfairly or unconscionably changed loan modification repayment plan denial reason to suit SPS objectives and to deny us repayment plan home retention option. 
209 CMR 18.21A states : A third party loan servicer may not use unfair or unconscionable means in servicing any mortgage loan. 
Attached please find the Notice of Error regarding the above matter we mailed via USPS overnight mail. Tracking number Overnight Express U.S. Mail # XXXX XXXX XXXX XXXX XXXX XXXX SPS response to CFPB complaint XXXX regarding a separate matter of Qualified Written Request included some SPS statements regarding loss mitigation. However, loss mitigation errors discussed here were not subject of cited QWR and XXXX CFPB complaint. Previous cited complaint was initiated by HUD who received a copy of our QWR.
Consumer complaint received 2019-08-30
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (WI)

I was previously charged unauthorized charges and card was stolen and you guys started the investigation I won the Dispute and was waiting for my new card and I called and they said it was closed on my request and I didnt request to get the account closed
Consumer complaint received 2023-11-13
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. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-09-01
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: DISCOVER BANK (NJ)

On XX/XX/XXXX, I disputed a charge of {$70.00} from the XXXX XXXX with Discover, after a horrible dining experience. My fiance and I waited an hour for our food. The server did not come and check on us at all. We finally received it and the quality and temperature were horrible. Asked the manager to refund us and he refused, stating we already bit into the food. We only had a few bites! I clearly stated this was my reason for disputing, yet I receive a ridiculous letter from Discover stating that they find the charge to be valid based on the merchant 's documentation. So I looked at the documentation, and all it was was a bill and a receipt that my fiance signed! I never said we didn't authorize the charge!! We didn't want to but it was either pay the bill or go to jail. Was the reason for my dispute even read?? They completely disregarded what I said, and closed the investigation! They did tell me that if I want them to continue, to complete their attached form. But I look at the form, and it's clearly not meant for me -- Talking about proof of return and cancellation.. Seriously?? AGAIN -- I never said we didn't authorize the charge ... Barely have had any issues with Discover thus far, but the way they mishandled my dispute is absurd. Going to cancel my account with them if they don't take care of this the right way.
Consumer complaint received 2019-11-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (PA)

Had a mortgage with Sun Trust. We would make payments and they would cash our checks, however they would not apply our payments to our loan, they would put it in what they called unapplied. They would in return mail us a check back drawn on their bank. We would have to deposit the check into our account and send them another one. They would apply that one to our loan however, they would charge us a late fee and reported it as late. 
We have made numerous calls to Sun Trust and requested them to look in to this. They said that they did but would not remove it from my credit report. I feel that this is borderline a deliberate act from Sun Trust.
Consumer complaint received 2019-08-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

Select Portfolio Servicing ( SPS ) wrongfully denied mortgage assistance ( loss mitigation ) we filed on XX/XX/2019 while violating RESPA loss mitigation laws. 
SPS denial letter of XX/XX/2019 ( attached ) stated Insufficient payment reduction. We are unable to offer you this program because in performing our underwriting of potential modification we could not reduce your interest and principal payment Same SPS letter of XX/XX/2019 letter listed only the following net present value ( NPV ) calculation inputs/assumptions : one numeric input ( property value ) and one unexplained valuation code ( DRVB ). 
The number of inputs cited above, allegedly used by SPS for loss mitigation NPV calculation, is inconsistent with much larger number of inputs typically needed to perform a loss mitigation NPV calculation. 
SPS did not disclose all inputs/assumptions to the net present value ( NPV ) calculation used to deny our trial or permanent loan modification eligibility as required by RESPA and CMR law. 
12 CFR 1024.41 ( d ) ( 2 ) RESPA states : If a trial or permanent loan modification is denied because of a net present value calculation ( NPV ), the specific reasons in the notice provided to the borrower must include the inputs used in the net present value calculation. 
Additionally, 209 CMR56 requires that an NPV calculator approved by the Division of Banks, such as FDIC or HAMP or equivalent are used for loss mitigation NPV calculations. FDIC and HAMP calculator requires approximately forty or more unique inputs/assumptions to perform NPV calculation.

Attached please find the Notice of Error regarding the above matter we mailed via USPS overnight mail. 
SPS response to CFPB complaint XXXX regarding a separate matter of Qualified Written Request included some SPS statements regarding loss mitigation. However, loss mitigation errors discussed here were not subject of cited QWR and XXXX CFPB complaint. Previous cited complaint was initiated by HUD who received a copy of our QWR.
Consumer complaint received 2019-11-08
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (NY)

On XX/XX/2018 I ordered items from XXXX totaling {$1100.00} The items were scheduled to arrive by XX/XX/2018. 

They never appeared. 

On XX/XX/XXXX, I called both XXXX and Comenity bank to inform them my package never arrived. 

Comenity created a Disputed Transaction. 

On XX/XX/XXXX, after much back and forth, Comenity said because a XXXX slip shows as Delivered to my doorstep, that counts as delivery to the obligor. They suggested I follow-up with XXXX. 

On XX/XX/XXXX, I called XXXX who said they would issue a refund. 
On XX/XX/XXXX, I also mailed a letter to Comenity asking : " Why is your opinion that delivery to my house meets the legal qualification of delivered to the obligor? Specifically, can you point to case law or amendments showing an obligors house qualifies as a valid delivery? '' Comenity never responded to my question.

Comenity also never followed up with XXXX to find the status of the refund.
Consumer complaint received 2019-08-31
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MA)

I live in Massachusetts and registration renewals are tied in to the leasing company. Documents get forwarded to the leasing company first and to me when they get around to it. Massachusetts send renewal docs usually 60 days before renewal, I got mine from Nissan Finance 15 days before renewal and renewed the day I got them. 

My registration expires tomorrow and I have not received the registration or new sticker from Nissan Finance yet, I called today and tried to find out the status and a rep told me they had the new docs but had not sent them out. I could not get a straight answer on when they would send them. 

If they can't forward the documents required to operate my car in a timely fashion I should not have to pay lease fees in the interim