davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-06
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Advance America, Cash Advance Centers, Inc. (TN)

Today XX/XX/XXXX at XXXX CST I was contacted by XXXX XXXX XXXX  of XXXX KS XXXX. I had received approximately XXXX calls from a phone I did not recognize for the past 24 hours. Their persistence caused me to answer to the last call. Upon answering and the original representative repeatedly stating it was for. Personal business matter and not an attempt to collect a debt I was skeptical. The representative had my name and birthdate and didnt identify a company until I demanded the name of his employer. This was disconcerting as again he kept saying regarding a personal business matter and never an attempt to collect a debt. I disconnected that call then looked up the company obtained the XXXX number and called them. Another representative then advised this is an attempt to collect a debt. I was shocked as I use XXXX XXXX to monitor my credit and about cleaning my credit up in XXXX. I hadnt opened any new accounts or went delinquent on any account. This representative then advised that I owed approximately {$230.00} or so for a payday loan owed to Advance America. I was shocked at the last communications I had this company was in XXXX. Since Ive receive a copy of my credit report at least once per year from all three bureaus and have never seen an entry from this company. I informed the representative that if this debt was indeed valid at XXXX point in time it isnt actionable at this point as it is beyond the 6 year statute of limitations for collection debt in Tennessee pursuant to Tennessee T. C.A. 28-3-109. I reside in Tennessee and only dealt with Advance America inside of Tennessee. The representative then advised me that she could still collect this zombie debt and could use the the credit bureaus as a recourse.
Consumer complaint received 2019-06-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AG AH LLC (CA)

Hi, Our property taxes were reduced by the tax assessors office this XX/XX/XXXXand are impounded by our lender. Once the board repealed our increase and lowered our property taxes I called the lenders. One reacted within 2 weeks sending a check and reducing our monthly payment. However ArcHome loans after promising to send {$1700.00} on XX/XX/XXXXstill has not performed. I just called again for the 6th time and was told another check from the county has been received and it's being held in escrow. I've asked for our money to be sent priority and they are refusing. Making more empty promises. Our mortgage was finally reduced after over 3 months. I've spoken to managers XXXX and XXXX and nothing. I've emailed all documents and they continue to get refunds from the tax assessor for our money. Please help!
Consumer complaint received 2019-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (FL)

My TD Bank debit card was compromised. All of the charges occurred on consecutive days at XXXX XXXX XXXX in XXXX, Florida. Let 's just preface this with I live in XXXX XXXX, FL, approximately 30 miles away and I do not ever go to XXXX. The first unauthorized charge occurred on XX/XX/XXXX in the amount of {$100.00} ; a second again on XX/XX/XXXX in the amount {$99.00} ; the third charge on XX/XX/XXXX in the amount of {$99.00} ; the fourth charge on XX/XX/XXXX in the amount of {$99.00} ; the fifth charge on XX/XX/XXXX for XXXX. At no time during these unauthorized charges did TD Bank contact me about suspicious activity. My husband and I discovered the unauthorized charges on or about XX/XX/XXXX and I immediately contacted TD Bank to shut down my card. The first charge had already cleared my account ; however the other 4 were still pending and I had wait until they actually cleared. We disputed the first charge and called the next day to dispute the 4 additional charges. I waited 3 days and called TD again to ask about my provisional credit. I was informed that the person who took my report determined that the charges were in my geographical area and not fraud. When I informed them that I drive a XXXX   XXXX that takes {$35.00} in gas every two weeks and that I confirmed with my local branch that I was in XXXX XXXX using the card with the chip at a XXXX at XXXXXXXX XXXX at 9 minutes later someone was pumping gas in XXXX which is 30 minutes away with my card and NO chip, they resubmitted the dispute. I received a provisional credit. On XX/XX/XXXX, TD Bank sent me a letter and told me that they were reversing the first credit of {$100.00} because they didn't think it was fraud, but they were allowing the credit for the 4 additional charges. When I complained, they told me to go to XXXX and file a police report for the {$100.00}. 

I wanted my {$100.00} credit back. This is so obviously fraudulent charges that I'm convinced TD Bank is just be spiteful and arbitrary. I am so disgusted that I have redirected all new business/personal accounts that I used to refer to TD to another bank. In my line of work, I have referred no less than 50 -75 accounts to TD Bank in the past 3 years. To be treated in this fashion is inexcusable. I want my {$100.00} and an apology for inferring that I would lie about an unauthorized charge.
Consumer complaint received 2019-05-21
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. (RI)

On XX/XX/2019, I received a letter from XXXX XXXX, the holders of my XXXX XXXX Credit Card, stating that they lowered my credit amount from {$1600.00} to {$400.00}. I had, in fact, recently paid my XXXX XXXX Card off entirely then began to use it again. I made all payments ON TIME and only used approximately {$380.00} of my credit line. I did not ask for an increase. XXXX XXXX informed me that they ran a recent review of my account, without my permission. Due to the response from Transunion Consumer Relations ( www.Transunion.com/XXXX XXXX XXXX XXXX/ XXXX. XXXX XXXX, XXXX, PA XXXX XXXX-XXXX-XXXX ), they were given the following inaccurate and untrue reasons for their decision : 1. Serious Delinquency 2. Proportion of Balances to Credit Limits on Bank/National Revolving or Other Revolving Accounts is too high 3. Too few accounts currently paid as agreed 4. Proportion of Loan Balances to Loan Amounts is too High 5.  Number of Inquiries was a Factor in Determining Score As a result, my FICO score dropped from a XXXX to a XXXX. 

In XX/XX/2019, I was granted a Home Equity Line of Credit of {$50000.00} from XXXX XXXX. Most of this money was used to pay off credit cards and an installment loan. As a result, I have not applied for any new credit since obtaining this HELOC and should have no new inquiries on my report other than XXXX, themselves. I paid off the installment loan, as well as many of the credit cards, with the exception of two. The ones I did not pay off, have been part of a Credit Management Program for two years and have been paid consistently on time. The information Transunion gave to XXXX XXXX  is false and misleading and I want it corrected immediately. The only change to my credit report has been for the better and I have no idea where they are coming up with this information. They have done this to me once previously and I have made a formal complaint with the CFPB in the past.
Consumer complaint received 2019-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (UT)

LVNV Funding - XXXX - is reporting and attempting to collect a debt I already paid! I already settled this debt over a year ago to the previous creditor. 
Also I never got a notice from you, I just saw it on my credit! You did not give me a 30 day right to dispute notice so that I could let you know that this was paid already.
Consumer complaint received 2019-05-20
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. (NY)

On or about XX/XX/2019, I received an email from Experian.com requesting information to help repair my credit report. Thereafter, I received a call from a representative at Experian trying to obtain information to help me repair my credit report. I informed the representative that I was not interested in their services and asked them to stop sending me any further text or phone calls regarding the same. 

Thereafter, on or about XX/XX/2019, I received an email from Experian soliciting their services again. I unsubscribed to their emails as directed by the terms in the body of the email. Thereafter, on or about XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, I again received unwanted solicitations from them via email. Additionally, I received various phone calls from representatives requesting personal information. 

Notwithstanding the foregoing, I again, after various requests to stop contacting me via email or telephone, received another email requesting me to use their services. 

In light of the foregoing, and despite my repeated requests, it is clear that Eperian.com is blatantly harassing me and inundating me with emails and phone call which has affected my work, by having my phone ring during work hours to try and as well as cause undue stress of trying to obtain my personal information. 

The only course necessary to have them stop this telemarketing charade is to initiate legal action against the company. Once you unsubscribe to them, several other companies call and send email to try and offer assistance in repairing my credit. These sub companies try to obtain personal information ( i.e., SS #, DOB, Banking information ).
Consumer complaint received 2019-06-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (NJ)

I called Jefferson capital group llc. early in XXXX of 2019. They were hired by XXXX XXXX XXXX to collect a debt to settle the account. Before I paid to settle the account, I negotiated with the Jefferson capital group representative for them to provide me a letter stating the debt has been settled and to remove this item from my credit report. I spoke at length with jefferson capital group, and they will not stand behind their employee who told me that he would provide me the letter. 
My credit report still shows the debt, and it has not been removed from my credit report as stated thus dragging my score down after I settled this debt. ( paid, satisfied ).
Consumer complaint received 2019-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

XXXX removed the kohls / capital one account but it still shows on XXXX and XXXX and should be removed in full! This is a violation of the fcra and who ever does not remove the account will be sued in court
Consumer complaint received 2019-06-25
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (SC)

XXXX XXXX XXXX financial aid offices would routinely call students to inform them that their student loans had run out and pressure them to take on more debt. The bill for a two-year XXXX XXXX could run as much as {$90000.00} and leave students with little to show for it. I was told when joining the school that I had enough loans to sustain me but after I attended school under a year, I was told I needed to take out a private loan to stay in school. This was fraudulent on behalf of Navient and the school and after much research, I've discovered I am not the only one affected. At the time, the loan service was named Sallie Mae but Navient has brought their loans so I am paying them back. I am currently in the queue with the Borrowers Defense   Program for my Department of Education Loans because many of XXXX XXXX XXXX campuses have been closed due to its fraudulent and misleading tactics. I feel Navient/Sallie Mae is equally responsible because they were fully aware of the school 's tactics and helped convinced me the loan was needed. I was only XXXX years old. 

Loan Amount I was told I needed : {$14000.00} Disbursement Date : XX/XX/XXXX Current Balance as of XX/XX/XXXX : {$12000.00}
Consumer complaint received 2019-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my fourth complaint reporting this, I am a victim of the data breach in XXXX   XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, for FAFSA and I am very concern about the privacy of my information my information has been compromised and it is all over in the dark web, accounts had been open in my name.You have previously removed a XXXX XXXX XXXX account, according with Section 609 a 1 A, you had to provide me with physical proof and original documentation in order to list this account in my credit as well as written notification prior to relist it, which I never got. remove this account from my credit file. If you continue listing this account I'll have to seek for legal action against your company. I am requesting these information to be block from my credit report a in accordance with the FCRA.
Consumer complaint received 2019-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America Reported my heloc payment for XXXX as a 30 day late when it was not. Due to incorrect information on their web page the payment sent was {$63.00} short ... .I immediately paid that amount when I found out but still reported me late. I want that derogatory mark removed asap ... 

# 2 and far more important my payment due date is XX/XX/XXXX tomorrow ... I just went on line to pay and the account is GONE ... .I called BoA and was told The servicing was sold to a company called XXXX XXXX XXXX XXXX . 

I was never notified by Bank of America or XXXX ... ..I believe there are laws protecting the consumer in this situation. My understanding is by law I should been notified at least 15 days prior to the sale date ... .I have not notified by anyone and If I did't call I wouldn't know..I now do not know where to send my payment and am sure after reading the horrible reviews on XXXX that I will be put in a compromising position due to no fault of my own .You must have read the on line reviews and fielded many complaints. HOw can this company still be operating? 
1. I want the derogatory remarks from BoA removed immediately 2. I want to know what remedy I have under the law for not being notified of this transfer ... this has to be illegal If I have not been notified. 
3. I want to know what protection I have as I do know where to send my payment which is due tomorrow and from the reviews I read about XXXX they will still report it late due ti know fault on my part Thank You and PLEASE help help me XXXX
Consumer complaint received 2019-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MA)

I had a security freeze put onto my account with Experian, however Experian it is impossible for me or anyone to remove a credit reporting freeze with Experian as the phone information provided is impossible to use and upon giving about 15 instructions in a period of two minutes, then the built-in AI hangs up immediately. 

This appears to have been done so to cut costs at this credit bureau at the expense of the consumer.
Consumer complaint received 2019-06-25
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: SUNTRUST BANKS, INC. (FL)

My business debit card was used fraudulently several times on XX/XX/2019. Twelve points of sale transactions were made back to back from XXXX XXXX IL in amounts between {$85.00} and {$110.00}. ATM cash withdrawals of {$500.00} and {$300.00} were made from what I believe to be the location of XXXX XXXX. The possible transaction numbers were XXXX & XXXX. 
No stops were placed on the account during this time. The fraudulent activity contact number is only available Monday- Friday. I called Monday morning to report the issue. The account was originally credited the amount after over a week without access to funds. 
The claim was then denied based on inconsistencies during the interview process which occurred over the phone and that no error occurred. Date of denial was XX/XX/2019. My claim did not change. Everything I told the representative was that my card/information was stolen and that I did not authorize any of the transactions which were identified upon reporting the original claim. 
The bottom of the denial notification letter stated that I ... have the right to request a copy of any documents that were used in decisioning your claim. I reached out to the bank on several occasions to try and better understand the meaning of this denial. Each time met with faulty information and false assurances that more information would be sent via paper mail. I have yet to receive any documents which they claim to have used to decide the outcome. 
I filed a rebuttal. Listing the same information/facts as I knew them. Date of submission was XX/XX/2019. The rebuttal was met with the same results and lack of clarification/information. 
It became apparent that the decision to deny this claim came down to one person. That person apparently has no accountability, can not be questioned/contacted, and is not required to provide information/clarification of their decision. Feels like the bank is taking advantage and is NOT there to protect my interests and account security/well being.
Consumer complaint received 2019-06-25
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (VA)

I had made a purchase of multiple items from Amazon on  XX/XX/19 which I thought were suppose to be for zero percent for 6 months. I get my statement and there is sometime at the beginning of XXXX. I notice the charges are not under promotional terms. I call at that time I'm told that it will be move to one and to wait 48 hours to see it online. I log into my account on XX/XX/19 and see the charges are not under promotional terms. I call speak with agent ID XXXX and I'm told the same thing again. I asked for confirmation email and was told they would not provide that. I would like for
Consumer complaint received 2019-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On approximately XX/XX/19, I took advantage of an offer from my credit card company, Bank of America, for a 0 % interest cash advance promotion, with a 5 % fee the amount of the promotional cash advance. This promotion stated that I could use the promotional check to transfer a balance or deposit any amount up to my credit limit into my personal checking account. Nowhere did the offer state that making the check out to myself would result in foregoing the promotional offer. I wrote a check out for {$19000.00} to myself and the check was deposited on or around XX/XX/19, thinking that I had initiated a cash advance under the terms of the promotion. 

On the most recent billing statement ending XX/XX/2019, I noticed a substantial interest charge of {$290.00}. I thought this was a mistake, so I called the customer service number for Bank of America and spoke to a representative. She informed me that, according to her three supervisors, because I had made the check out to myself, I was not taking advantage of the promotional offer. In fact, I was told that if I had made the check out to my wife, and deposited it into the very same account, that I would have received the promotional offer. Furthermore, I was told that if I had called them to initiate the cash advance over the phone, I would have received the promotional offer. I informed them that I had used some form of this promotional cash advance from Bank of America for over 10 years and never had this problem, even when writing the check out to myself, and that if I had known that writing the check to myself would result in not receiving the promotional offer, I would not have used the promotional check. I was told that the terms and conditions of my cardholder agreement makes writing a promotional check to myself outside of any promotional offer, despite the fact that the offer explicitly states that I could deposit the promotional cash advance into my personal checking account, and that I had no recourse. 

I am frustrated by this deceptive practice and the inherent unfairness of this promotional offer, which states that the check could be deposited into my personal checking account, yet if I make the check to myself, that it can not receive the promotional offer. Due to this deception, I have had fees of {$760.00}, and current interest of {$360.00} billed to me. I offered to pay off the original amount if they refunded this money, but they refused. 

Please help end this deceptive practice, and help rectify this situation.
Consumer complaint received 2019-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I opened a bank account with Chase Bank in XXXX XXXX Tx. A week after i deposited a check, my funds are still not available. I've called the bank and asked them to remove the hold. They claim the hold is due to my address not being verified. I did verify my address with the bank representative, using my Texas state identification card. I also received mail from Chase bank at this address. I'm not understanding why close to {$1000.00} of my money is being held from me because of a mistake made by the bank.