davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION (FL)

In XXXX I was offered a business line of credit and visa card thru a banker at Regions Bank in XXXX, FL. I used the account to help my business. In late XXXX my personal life took over my XXXX  concerns when my wife was put into hospital. I had to take care of my XXXX small children. In XX/XX/XXXX my wife recovered and I turned back to my XXXX  which was in trouble. I have spent the last years getting my XXXX  back on track somewhat successfully until very recently. In XXXX I fell behind in payments on my line of credit and Visa card. My wife and I communicated with the bank and made smaller payments when we could. What we did not know was that the banker who had given us the loan had moved to another bank and we had no account manager. As things deteriorated, we tried talking to many people at Regions and no one really helped us. We wanted to turn the credit accounts into a long term fixed rate loan. We were not getting anywhere and we got calls from Regions reps asking for payment ( we found out later that they were collections agents who work directly for Regions but would never identify themselves as such. We thought we were still working with the bank. We continued to make payments on the line of credit and Visa card up until XX/XX/XXXX. We then found out that the loan had been charged off in XX/XX/XXXX. We have not been able to make any progress to get the accounts back in good standing. We are not sophisticated financiers. We have found out that the line of credit is listed as an " automobile loan ''. In early XXXX, I had a representative on the phone and as usual was asking about the state of the account and had it been turned into a long term loan. She said that it had and when I asked what the rate was she said : zero. She also gave us an opportunity to pay {$77000.00} to pay off the account or make monthly payments of {$980.00}. I told her that we were not able to pay the {$77000.00} but were willing to pay the {$980.00} per month. After the call, I was a little confused since she was with the mortgage loan dept. My wife had called the number back and got another rep. who told her that if we did not get current, the bank would " take our home ''. 
At this point our business is back on track and trying to expand and we are unable to move forward since we cant make any progress with Regions. I still have no account rep. I cant get an answer as to where the money I paid went to. It cant pay down a charge off. Our family owner company is struggling to survive and we need some resolution and a path forward to resolve the past with Regions and we keep getting bumped into the mortgage foreclosure dept. This is all a result of our account manager moving on and Regions not assigning us a new account manager. Instead we got swept up into a huge online system and have experienced tremendous hardship as a result.
Consumer complaint received 2020-08-06
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Select Management Resources, LLC (OH)

In XXXX of XXXX I took out a Title Loan on my XXXX XXXX XXXX. After failing to make payments, my car was repossessed. I paid nearly XXXX and my car was returned to me. I again fell behind in payments in early XXXX and attempted to make a deal with the Title Loan Company, LoanMax. They agreed to a {$500.00} settlement. I told them I would need at least until XXXX to make this payment. Halfway through XXXX my car was repossessed. I called LoanMax and was told it would cost {$900.00} to get my car back and was provided a number where the vehicle was being held. I called that number but was unable to get any information. Then, the pandemic hit. I called both LoanMax and the number they provided for days on end and no response. 

Fast forward to yesterday XX/XX/XXXX. I received a letter in the mail stating that my vehicle had been sold and I was due the overage amount as a refund, {$2200.00}. I contacted the company, Select Resource Management as they letter stated and was told it will take 120 days for me to get my refund via certified mail. This is outlandish and unacceptable. 

Reviews of the company via XXXX show that many consumers don't get their refund in that 120-day window and some have never gotten it. I don't want to experience a similar situation. The vehicle was sold at auction on XX/XX/XXXX, Select Management Resources was paid and now I want my refund.
Consumer complaint received 2020-08-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

To Whom It May Concern, I am requesting that Capital One review my financial situation to see if I qualify for any workout option. I am having financial problems making my monthly payments because of financial difficulties due to pandemic. 

I have recently lost my job due to it closing down and I am taking significant pay cut due to the current devastating economy. I used almost all of my savings and it is getting more and more difficult to stay up to date on my rent payments and much more. I cant find a job at all due to Florida covid cases continually increasing and nobody is hiring or even close to what I was making to keep up with my mandatory living expenses for my family and I to survive. As a result of the outlay in expenses and the bleeding dry of my money, I am struggling to make my car payments. Kindly consider my current situation and consider my request for some type of help. I had every intention on making good on this loan as well as my previous loan with you guys, but at this time it does not look possible. 
When I received this loan I wasnt aware of pandemic I knew I had to get out my car or I will be owing a lot of money. I didnt take any of this into consideration at the time that I will be in this situation today. This current financial situation that will cause me to be default on our loan agreement. I dont want to lose my vehicle and will do anything I can to work with you to remedy the situation and find a solution that will benefit us both or my only option will be I will have to voluntarily surrender the vehicle. Please consider my situation and consider my request for help. 
Thank you for your assistance and cooperation. 
I XXXX XXXX state the information provided above to be true and correct to the best of my knowledge.
Consumer complaint received 2024-02-20
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Asset Recovery Bureau LLC (TX)

This company called my ex husband and provided him with my contact information. We have not been married for XXXX years and there is a protective order in place. Giving him my phone number gave him the ability to contact me. Ive asked them not to contact anyone outside of myself but can not get a response and can not get them on the phone. 
They should not be giving out my personal information and in fact put me in danger!!
Consumer complaint received 2020-09-27
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: KLS Financial Services, Inc (AZ)

This company contacted me on or about Wednesday XX/XX/2020. A friend answered my phone and an XXXX XXXX who represents KLS Financial Services started discuss the debt owed without identifying who they were speaking with. The representative disclosed the amount owed and where the services took place that resulted in the debt prior to confirming if the person on the line was in fact the debtor or a 3rd party. This representative told my friend first of all about me owing money and second about me going to XXXX for medical services. This is a violation of the FDCPA and privacy laws. In addition there should be no bill owed as this should have been covered by my insurance.
Consumer complaint received 2020-08-06
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMA Advisors, LLC. (GA)

On XX/XX/XXXX, I submitted a Sales contract to Home Bridge XXXX  XXXX. Knowing they only have 3 business days from the XX/XX/XXXX to send out application documents, Loan Estimates, etc., They took almost to weeks to send my documents to me. I received a Loan Estimate on XX/XX/XXXX. When I confronted the Loan Officer about the problem, he informed me that his company is following the appropriate guidelines. However, they are playing the system. I have proof that I sent the Sales Contract to this Loan Officer on XX/XX/XXXX, but the " Date of Application '' they have is XX/XX/XXXX to make it look like they are in compliance. I told her Loan Officer that they are out of compliance and I should not be charged any fees due to the 0 tolerance rule. He disagreed with me but told me that their systems generate the dates of application once they get the 6 key factors of the application. He had ALL information needed on XX/XX/XXXX. He even states he let the sales contract " Sit '' in his email due to being " So busy ''
Consumer complaint received 2022-11-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CITIBANK, N.A. (OH)

On XX/XX/2022 around midday. I initiated a XXXX wire from my personal checking account to my settlement company for the closing on my house. 

On XX/XX/2022 in the evening around XXXX XXXX  XXXX  I notice a temp hold on the wire so I call and ask what is going. They tell me the fraud department needs to talk to me to do verification. They dont open until the XXXX XXXX  the next day On XX/XX/2022 at XXXX XXXX  I initiate a chat online with citi XXXX well as calling them. On the chat I am told the wire is processing and should be complete within the 24 hours. 
On the call I am told the wire is still pending by a department that does not take calls and they can not give me any more information. 

I call again immediately after just to spin the roulette wheel of people and the same information is given. Basically they have no information. Money is in a XXXX hold and just wait for the bank to call. This doesn't help me for a closing in XXXX hours. 

This is not normal behavior for any banking transaction I have ever made.
Consumer complaint received 2020-08-06
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: Bread Financial Holdings, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-09-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Medical-Commercial Audit Inc (FL)

XXXX XXXX XXXX XXXX of XXXX XXXX, MO is reporting to XXXX, and by means of a collection agency Medical Commercial Audit Inc, is attempting to collect an alleged balance of {$200.00}. According to XXXX, the date the alleged debt was incurred was XX/XX/2015, but I have no visit to XXXX XXXX XXXX XXXX on that date, and the credit bureau has not responded to my complaint. 

1. XXXX XXXX XXXXXXXX XXXX is not owed the debt and I have never been presented with an invoice for payment, an itemized receipt for products, services, or care provided, and I have never been provided with a contract -- including the date and my signature -- which authorizes the establishment of a credit account. 

2. Medical Commercial Audit Inc have illegally " re-aged '' the debt on my credit report to make it appear more recent and with a higher balance. Medical Commercial Audit Inc have failed to respond to my inquiry that they substantiate the date of the debt with an original invoice from XXXX XXXX XXXX XXXX  ; the have failed to represent the correct amount owed and have arbitrarily and capriciously increased the amount owed with no notice and without stating what interest, fees, charges, or other add-ons are being claimed. 

3. XXXX has not responded to my dispute, violates the FCRA in failing to act, and is causing irreparable harm in its negligence to investigate.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

my privacy rights are being violated in multiples ways. Accordings to 15 U.S. Code 6802 - obligations with respects to disclosures of personal informations, this company is in clear violation of the law. Pursuant to 15 USC 1681a 2 ( A ) ( i ), utilization and payment historys are experiences with the lines of credit that was extended between the consumer ( ME ) and the person, Bank of America, that is making the report. Congresses clearly states that the reporting of transactions or experiences between the consumer and the person making the report is not included on the consumer reports! This has had a majot negative effect on my life.
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

There are incorrect addresses on my record. I tried resolving this issue with the company, but they said that ID information did not match. They asked for creditors with whom I have loans and the most recent payments. That information was given and I was told it did not match what they have.
Consumer complaint received 2020-06-10
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. (AZ)

ALL 3 " CRA '' REPORTING OUTDATED ACCOUNTS NOT MINES AND NEVER DONE BUSINESS WITH COMPANIES : " XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  ''
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Consumer complaint received 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: PNC Bank N.A. (DC)

Hi, I'm pursuing a program with the XXXX University, and to enroll in the monthly payment they need to connect to my bank account to access my financial data, but I couldn't connect, so their platform sends me here to file a complaint so they can have access.
Consumer complaint received 2020-08-06
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc. (MI)

I leased my XXXX XXXX in XXXX, was due to turn it in by XX/XX/XXXX. As most people know, we are dealing with a pandemic then and now. So on XX/XX/XXXX. XXXX, I turned in my lease due to mileage almost being over. I planned on going back to purchase or lease another vehicle before the end of the month. However, the car dealerships closed within a day or 2 of turning in the lease. The car dealerships didn't reopen and still are barely open to this day, until a few months later. Leaving me without a vehicle. Then as soon as the dealerships open in XXXX, I got slammed with the disposition fee ( which is a very sneaky way for the companies to make more money and is not fully explained at signing ). I did know this was one of their great ways they do business, but assumed due to not being able to buy a car, it would be waived. So I get to pay another {$410.00} for a vehicle I don't even own. I had no excess wear and tear or mileage. I have spoke with them several times and they will not help me. This is completely unfair business practices and I had no control over buying a vehicle within their time frame. They are willing to " help '' others during the pandemic but screwing over many others at the same time. I lost my job and can not afford to pay it right now either.
Consumer complaint received 2023-01-06
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. (NV)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Consumer complaint received 2022-11-04
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (CT)

I have had an account with XXXX furniture TD bank for roughly 5 years. In that time Ive paid off and paid down purchases consistently. Last month, there was a discrepancy for XXXX payment. For some reason the regular payment took longer than normal to go through and ultimately did not. Since Id switched personal banks I looked into it and got payment resubmitted the next day. I also called XXXX to explain what happened. I was told Id be charged a {$25.00} fee which given my stellar history would be waved. I was not told my credit limit would be lowered by {$4000.00} to the amount I owed. I was also charged over {$100.00} of additional fees which took my over that limit. Again, no warning. I did receive a letter from the company saying please be advised if XXXX consecutive payments are returned, your account may be subject to charge-off. Thats it. I learned from the Fair Credit act If a card issuer decreases your credit limit, the card issuer can not charge you over-the-limit fees or a penalty rate for exceeding your new, lower credit limit, until 45 days after it has given you notice of the decreased credit limit. A card issuer can not charge you over-the-limit fees if it didnt give you notice of the decreased credit limit and if you havent opted into the payment of over-the-limit transactions. 

What happened to me is a violation. I need XXXX  and TD bank to be held accountable.
Consumer complaint received 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Due to issues with the Transition website on XXXX XX/XX/2020 which the service rep could not resolve I ended up purchasing their 3 Bureau report because I needed a copy right away for a business lease. I was not able to print it out and was informed by another rep the {$30.00} dollar report I purchased was only available for viewing online and not printable. She also informed me I could have looked at it for free as part of my subscription I've been paying for for about a year. 

Non of this information regarding the printing was XXXX available during the purchase. I couldn't review anything due to technical difficulties on their website and they refuse to refund the {$30.00} for the redundant report I purchased. 

So essentially I have paid Transunion about {$150.00} for a free credit report I can't even print out and they flat out refused to work with me on a fair resolution. 

Horrible business ethic on their part.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2020-08-06
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: CITIBANK, N.A. (NJ)

I used my Costco Anywhere XXXX Card by Citi to purchase the airline tickets from XXXX Airline with amount of {$3300.00} in XXXX XXXX, 2020. Due to coronavirus pandemic, my flight was cancelled and XXXX has refunded the full amount back to my credit card on XX/XX/2020. I also receive an note from Citicard on XX/XX/2020 to confirm a permanent credit of {$3300.00} has been applied to my account. But for unknown reason, the same charges was billed back to my account again in end of XXXX. I call and dicuss the question with Citicard customer service/dispute department and request to remove the charges as it should be. They promised to put into investagtion and solve the problem ASAP with confirmation letter on XX/XX/2020. From then, I try to contact the credit card company many times to find out the status/updates but no solution at all. They only ask me to wait for their investgation result. Now it has been XXXX monthes passed but the charges still remain on my account. Please help!