davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-06
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I paid off the balance of my Bank of America credit card right before a scheduled 10-day trip to XXXX, because I wanted to use the credit card for my purchases in XXXX. Just as I embarked on my travel, Bank of America reduced my credit limit by more than {$2000.00}, without any warning, and in the middle of my billing cycle. Bank of America deprived me of credit during my travel and they were totally indifferent to my appeals to them to restore my credit limit. As a result, I experienced a serious shortage of funds during my travel. I was traveling with my family during the time ; by taking away my credit, Bank of America did not merely inconvenience me -- they created a real crisis that endangered me and my family. 

I would not have paid off the balance on this credit card if I had known that they would take away the credit that I wanted to make available by a repayment. 

Bank of America did extend a " temporary authorization '' of {$500.00}, but this was wholly inadequate to pay for travel expenses during a 10-day trip to XXXX. I explained this to Bank of America and they were completely indifferent to the serious crisis that they inflicted by their credit reduction action.
Consumer complaint received 2016-08-29
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been trying to get my credit report from transunion and unable to ... ..I have numerous things in dispute and the investigation should be completed by now. I tried going online but was unable to do so as a message popped up I am unable to review my credit report. I called the toll free number and was told that my report is being handled in a different department ... .I was transferred again and to the same answering machine. I left a few messages requesting my report as I want to view it and no one returns my calls and I still have not received my report. I am XXXX and on public assistance as I understand I am entitled to updated reports for free. I am also submitting this complaint about transunion as I have an account that is reporting as 30 days late with a negative remark and showing 1 missed payment. This informaiton is incorrect and I have uploaded additional supporting documention from " mandee shops '' that this incorrect information will be corrected. I checked on XXXX and as of today it is still reporting with 1 late payment. Transunion still has not corrected this account yet XXXX did correct it finally after I submitted the letter that I received directly from mandee 's shops.
Consumer complaint received 2019-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (FL)

I ask Synb/Gap to please remove this account and the bureau 's since it been on for long enough and was hurting me when applying for other credit card/loan.They said and also the bureau 's said it stays on for 7 years. So, i was ok with that since the 7 years was approaching. I opened this account in XXXX XXXX with a credit limit of {$200.00} i was also charged alot of interest.. I was not able to pay XX/XX/XXXX. I was working with a Debt management company to help we handle all the bills in XXXX, but i was having a hard time with them because i had to pay the debt company more money, so i stopped. My account with closed on XXXX XXXX. Eventually i ended up paying Gap the balance.I called XXXX to see when my account date was up and they said XX/XX/XXXX and said why, they said because Synb/Gap reporting to them the same information that they've had for years ago, so that she account stays now now for 10 years instead of 7 years. I have very upset and dont understand why. This is an account that i was delinquent and has been closed since XXXX. This account was suppose for fall off XX/XX/XXXX.
Consumer complaint received 2018-09-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (TN)

I took out a loan and the interest is at least {$300.00} bi weekly and it doesn't bring down our total at all. This is impossible to get out of, this should be illegal.
Consumer complaint received 2015-05-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My concern is something I do not believe this agency addresses but needs to. I have no late payments. None! I pay my credit cards off XXXX, for years. I earn in excess of $ XXXX per year. My house is almost paid for and I have another home that has no mortgage that my parents live in. I present no credit risk what so ever. My debt to income ratio should be extremely low. Yet, XXXX credit agency, Transunion, has my score at XXXX. Why? The other XXXX agencies have me as high at XXXX and I think those scores are low. As a consumer, I have no way of understanding their computation and getting an answer from those people is not possible. In no way are these agencies focused on consumer protection. That is why the cfpb exist in part. It seems to me the credit rating agencies assess risk as related to credit payment history, income, ( it should reflect total net worth ) and other factors. If I am ( including all liquid assets ) in fact debt free, why are my scores so low? This cost me money. Is this all some sort of scam? A way for lenders to charge higher interest rates to consumers that are worthy of premium rates? Is there collusion between lenders and XXXX or more credit reporting agencies? Maybe the government turns a blind eye to this? I am by no means a conspiracy theorist but the amount of money that could be generated by falsifying or intentionally degrading peoples credit scores, must be massive. I will start a lobbying effort surrounding this and demand congressional hearings to get to the bottom of this. I assure you this letter/electronic communication will be part of the record, including you, the person reading it. I hope you have the integrity to work this issue to completion including escalating this issue as is appropriate. Any other action should be considered full involvement in a cover up.
Consumer complaint received 2016-08-15
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ad Astra Recovery Services Inc (MI)

This was reported to the credit agencies without an attempt to validate the debt and despite numerous attempts to get them to rectify after I was made aware of it on my report, they refuse to correct their records. 

I requested documentation to verify the debt and the documents submitted are fraudulent and do not address my issue of validation of the debt. 

The documents do not bear my signature and I did not obtain this loan. The address used is my old address and I did not live at this address when they are claiming the account was open. 

The bank account listed on these documents is not mine and the documents do not bear my signature. 

They continue to report this on my credit despite the numerous requests to validate. I am also opening up a case with Consumer Protection. 

I need this removed from credit reporting agencies.
Consumer complaint received 2016-07-27
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BB&T CORPORATION (GA)

I responded to an advertisement on the radio of a car dealership that would offer a no down payment guarantee loan for anyone who works in the XXXX XXXX field. I was able to purchase a vehicle ( Nissan Altima XXXX ) in XXXX XXXX. The listed price was {$16000.00}. I have been making monthly payments of XXXX. I have been struggling since the healthcare law making it mandatory to have health insurance started. My employer plan is costing me over {$650.00} a month. I am behind on my payments and the company took my car on XXXX/XXXX/XXXX. I contacted them and was told in order to get my car returned I would have to make a payment of {$2400.00} with another payment of {$450.00} due on XXXX/XXXX/XXXX. I must pay the towing company {$30.00} a day for storage also. The company charges me {$10.00} to speak to them in the phone and {$30.00} if I make a late payment. Then I will still continue to make monthly payments of {$450.00} for approximately 4 more months. I am working full time with the ability to get overtime but now I have no transportation. I will have ended up paying over {$30000.00} for a used vehicle. I am living paycheck to paycheck. I am also a single mother that has raised XXXX XXXX sons. I understand that I have a debt but I also feel that I have been overcharged in this purchase. My credit was not great after I lost my house in the housing crisis. I am paying rent, utilities and taxes. I work hard and have not taken any time off in years.
Consumer complaint received 2016-09-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I 'm a victim of identity theft and someone try opening up account in my name so there are a lot of inquiry on my report with TransUnion and XXXX, XXXX XXXX/XXXX/2016 I already have an account with them, XXXX XXXX/XXXX/2016 never open any account with them, XXXX XXXX and XXXX XXXX XXXX XXXX/XXXX/2016
Consumer complaint received 2016-04-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (VA)

I am having the most difficult time with Ditech. I first applied for help last year. When going through the process, Ditech never really offered me a modification option. They keep pushing a repayment plan. Then they back doored me with a sale date! I had to file a bankruptcy to protect my self. I now have help and understand how the programs work, and how the underwriting works for these programs. 

I am now in review for a modification. We have been asking for over a week what documents are needed. Everyday they would say the same thing. " Copy of pay check '' I would send everyday and follow up. Ditech would ask for the same thing. After a week we demanded to talk to the processor who was working the file. Admittedly we were very frustrated at this point. The assigned processor told us we need to send a profit and loss!?!?!?!. Wow! When we asked why after over a week of requesting what was needed, that was never told to us by Ditech? The processor stated to us " I DONT CARE! ''
Consumer complaint received 2017-01-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have tried several times to get Transunion to remove the public record stating that I had XXXX delinquent state tax liens ( for which I do not have ), with no success. I was told that " the state has verified the information. '' However, when I contacted the XXXX of XXXX Department of Revenue, they stated that they do n't verify such information with the credit bureaus. To compound the issue, the liens that are be reported have a report date of XX/XX/XXXX, XX/XX/XXXX respectively. On my Transunion credit report it states that " liens may remain for XXXX years '', but further on my report it states that these XXXX particular liens " will not be removed until XX/XX/XXXX. '' I was directed by the XXXX Department XXXX XXXX to refer the credit bureau to the state website to verify the liens but the bureaus either refused to do so or stated that the information had been verified. Communicating with Transunion is difficult at best, but trying to get all parties involved on the same page is impossible. This seems like a simple fix but the credit bureau has made it complicated. As one can imagine this has caused considerable issues for me financially.
Consumer complaint received 2016-11-06
Product: Credit card — 
Issue: Other — 
Company: PNC Bank N.A. (IL)

I sent PNC Bank a debt validation letter on XX/XX/2016 to see about the debt that 's reporting to all XXXX credit bureaus. Company responds via letter dated XX/XX/2016 through the mailing stating that everything that they 're reporting to the credit bureaus are accurate, however received another letter XXXX days later dated XX/XX/2016 stating that they were unable to send validation due to not having enough information from me. I 'm going to include the correspondence that between the lender and myself. In the request for validation letter I submitted everything to them.
Consumer complaint received 2018-09-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: UMPQUA HOLDINGS CORPORATION (DE)

We had a loan with another bank and had no issues for two years, XXXX XXXX XXXX bought out the bank. Never received any paperwork or any phone calls about the changeover. The first bank ( original bank ) took out a payment on the XX/XX/XXXX of the month and XXXX XXXX XXXX cashed a check and also took out payment through automatic withdrawal. Called the first bank and they apologized and overnighted a check for the mistake. Called XXXX XXXX about the double payment and stated it was a mistake as they were only supposed to cash the check and not do a automatic withdrawal. Only reason we sent them a check was we did not want our payment history disturbed. We pall all of our bills on time and there payment is due the first of the month. The said they would just credit our account for the double payment. I said no, I would like a refund immediately. The rep was kind of nasty and said we would have to fill out a 5 page request and said a letter head from our bank and it could be up to 4 weeks to take place. I decided to go to my bank to dispute the charge and they within 3 days had our charge back in out account. XXXX XXXX then at the leisure decides to withdrawal XXXX 's payment and add a return check fee for there original mistake. Called XXXX XXXX XXXX and asked them why they charged me a return check fee for there mistake and they replied that they had made a mistake and would look into returning the fee. Explained that the agreed amount each month is the legal amount they can take and not what ever they feel necessary. So again I went to my bank and disputed the return check fee. The reversed the charge in 2 business days. XXXX XXXX XXXX wants to now charge me two return check fees. I get a call from a rep and she states I now need to pay a payment but over the phone as she states, the bank will no longer do automatic withdrawal. I replied that's fine as I do not want them having access to my account. I stated I will request a paper statement each month and I will send them a check. The rep stated they will not accept our check, I'm floored, They make the mistake and refuse anything other than a pay by credit card payment. I have called in several times and they continue to say upper management is looking into the two return check fee 's that were clearly stated that they would remove them. Now every time I call in they saw ooh you have outstanding fees with us. Then to top it off they charge me XXXX to process my payment by card, well you don't give me any options to pay other then by card. I still to this day have not received any mailings showing there lending practices or there fee 's in regards to our loan with them. I have even tried setting up a electronic payment on there website and it has me locked out from that. I ask them why and they say I do not qualify for that payment option. This bank is horrific and has the worst customer service.
Consumer complaint received 2015-08-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is an address on my report that is not mine. The address is XXXX XXXX XXXX XXXX, Va XXXXI have not lived in this place. Please remove it from my report. 
Thank you.
Consumer complaint received 2016-08-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX placed a repossession on my credit report when in fact it was a dealership error. On XXXX/XXXX/XXXX I leased a XXXX Chrysler 300 ( Acct # XXXX ) from XXXX XXXX dealership in XXXX, XXXX. Upon the lease end date ( XXXX/XXXX/XXXX ) I spoke with the lease end department and was informed that since I made my first and last lease payment when I picked up the vehicle, I could just take it to any dealership at the turn end and owe nothing. On XXXX/XXXX/XXXX I dropped the vehicle off at XXXX ( see attached XXXX XXXX Inspection Report attached ) and returned home. On XXXX/XXXX/XXXX I received a call from a woman name XXXX that was in XXXX. XXXX stated she was from a repo company and was looking for the vehicle. I informed XXXX that I turned the vehicle in XX/XX/XXXX. XXXX stated it was not unusual for this to happen and she would call the dealership and give me a call back. XXXX immediately called me back and informed me that she had located the vehicle at XXXX 's and it had been sitting there for 5 months. Since then year after year, dispute after dispute, I have been unsuccessful in getting XXXX ( Now doing business as XXXX XXXX XXXX ) to remove a charge-off/repossession from my credit. I have disputed this with as XXXX credit reporting agencies ( TransUnion, XXXX, XXXX ) with included documents of proof, and each company refuses to remove the negative item from my report. I returned the vehicle, a few weeks late, but the it is not my fought that XXXX let the vehicle sit on that lot for 5 months and failed to notify XXXX. Now I have suffered for that mistake and error. On top of that the reporting entries on my credit report are in error, misleading, and in consisted. For these reasons and others, I have ask the reporting agencies to remove the items and they refuse. I am requesting that XXXX dba XXXX. XXXX XXXX immediately remove any entry they made from my report. Also I request they be held responsible for sending notification of their error to each and every company that I have obtained or attempted to obtain credit from over the last 5 years.
Consumer complaint received 2016-10-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I sent a complaint to Transunion over a moth ago and they have yet to respond. I have been disputing accounts on my credit report that are inaccurate. They have failed to send me proof of how they investigated my dispute. By law they are to respond to me within 30 days with the original contract that I have signed. If they can not prove the the items I am disputing are mine according to the FCRA section 609 law then those items must be removed. What Transunion is against the law and I am in the process of filling suit.
Consumer complaint received 2015-10-15
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Nationstar Mortgage has not correctly credited the payments that I have made. Now they are charging me late charges due to an error that they made on XXXX XXXX, 2015. I need to get this taken care of now before I lose my home. Please help.
Consumer complaint received 2015-04-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CFM Group LLC (NY)

I was contacted by XXXX XXXX of CFM Group of XXXX GA regarding a supposed {$680.00} debt from XXXX XXXX about a credit card machine that I owe. 
I signed a 3 year contract with XXXX a long time ago with a business that is now closed. The contract stated that in order for me to get the machine for free, I would need to fulfill a 3 year term. Little did I know it had a clause about auto-renewal. 
XXXX never contacted me in regards to the machine, waited a couple of years and sold my account and this supposed debt to CFM claiming I owe them the machine. 
Not once did I receive a notification by mail regarding this matter, even though I have given XXXX XXXX my home address. The only thing they sent me ( by email ) is a vague contract from XXXX. I have reviewed the contract and no where does it state the price of the machine and what I would need to pay. I have asked XXXX repeatedly to verify my debt and send me an invoice, any kind of invoice with the amount and detailing how much I owe ... and he has not done so. I even spoke to his supervisor who stated they dont have that information, all they get is an amount in an XXXX sheet from XXXX and are unable to provide me anything other than the contract. I wanted to send a legal correspondence to NAB and have asked them for a physical address ( XXXX XXXX XXXX ) and they refuse to give it to me. I 'm assuming this is so that they can say I never sent anything since I will not get delivery confirmation. 
In addition, XXXX constantly emails me my full social security number and I have asked him not to do so numerous times. My email was recently hacked and I 'm afraid my personal information is out there.
Consumer complaint received 2015-07-09
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Mel S. Harris and Associates, LLC (NY)

My checking and savings at XXXX XXXX XXXX were put on hold. I went to my bank to inquire why. They gave me a phone # ( XXXX ) XXXX. I was told I have an outstanding debt with XXXX that had been sold to Mel S. Harris and Associates in NY. I was told they were sending letters to a home I have n't lived at for well over a decade. I was told they had a legal right to seize my money. I was told the debt was from XX/XX/XXXX. The original debt was from the mid XX/XX/XXXX. In XX/XX/XXXX I was repairing my credit score and settled this debt to the best of my recollection. I no longer have records this far back. I sent a letter to XXXX yesterday in an attempt to track the settlement. It is the beginning of the month. This is when most of my bills are due. I have checks out there. XXXX is to a court for an unrelated incident. If that check bounces because of this I will probably have a XXXX for my arrest. It is a violation and a {$25.00} check. It is very bad on so many levels. Untangling this mess is costing me money everyday I can not access my bank accounts and their former contents. In all likelihood this has set off a chain of events that could take years to untangle. I missed a potential job interview trying to resolve this. I just XXXX with a XXXX degree and am trying to embark on a new career. I am getting married and they took the savings that I 've scraped together working XXXX jobs, XXXX days a week while I was taking XXXX credit hours of collage classes. As I am typing this I am missing work. I work in the XXXX industry. I do not get paid sick days or time off. It also just looks bad as I had to tell my employers why I am missing days. I might lose shifts permanently because I 'm missing shifts. I am waiting to hear back from Mel S. Harris. I left a message and the representative also told me she 'd be calling me back today. So far no call. I 've tried to make contact at her office repeatedly today. I may have to keep trying tomorrow. I 've spent the last few days researching what i can to and trying to contact anyone to help. It 's eating up my work and school time. Time is money.