davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-02
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: EQUIFAX, INC. (UT)

I disputed an account that is reporting on my credit in error. This account is negatively affecting my credit and I can not get it removed from my credit reports due to the credit bureaus not conducting a thorough investigation. On XX/XX/19 I mailed a dispute letter for this account that is reporting as a chargeoff/collection and in the comments it states it was sold to a third party collector. I do not know who this third party collector is they are stating now owns the account nor is it even reporting on my credit. In the first dispute letter I asked all three of the credit bureaus to investigate this account and verify it. They keep coming back saying it is verified and updated. I did not ask them to update anything. I asked them to verify it and if they can not properly verify it then to delete from my report. Then I sent another letter on XX/XX/19 on to ask them to re-investigate and send me the information they used to verify the account from the creditor which I received the same result. They did not tell me how they were able to verify the account when the creditor no longer owns the account and they clearly did not conduct a through investigation. I sent a third letter to them on XX/XX/19 telling them they are violating the law by falsely validating this account and not removing it from my credit report. They sent a response back saying they updated more information on this account which is completely inaccurate. I never opened this account and they were not able to send me an original contract with my signature. This one account is causing me to be denied for my business funding and I am beside myself that they can even do this to me and ruin my credit this way. Equifax, XXXX and XXXX are not doing their job and this is very upsetting as a consumer.
Consumer complaint received 2020-01-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (TN)

On XX/XX/2019 I was assigned a new account manager since my loans has been in the collections department for some months now due to me missing only 3 months of payment. ( I believe they were XXXX, XXXX and XXXX ) When I spoke with that case manager, I informed her that I wanted to set up my payment for half of the {$300.00} and the other half can be paid in two weeks. ( I have been splitting up my payments in half so they can take money out every two weeks due to me not having {$300.00} all at once. All previous case managers have been okay with doing this for me ) The agent XXXX was giving me push back during the call about the amount that I wanted to pay and instead of setting up my payment she said she was going to put me on hold or transfer me to the loan modification department. Not really knowing what was happening I did wait on the phone for 30 minutes and then I hung up. Fast forward 20 days later I found out that a payment was never set up and that agent put me behind another month for the month of XXXX. I've reached out and talked to multiple agents XX/XX/XXXX or XX/XX/XXXX explaining the situation. The representative that works in the escalations collections department XXXX, was very dry on the phone with me. She sounded like she did not want to help me. Her response was " well what do you want to do? '' My resolution that I thought would be fair is for them to clear the month of XXXX due to an error that was done by their agent. 

XXXX admitted that their agent made a mistake and passed the buck but she also kept stating that I should've called back to make a payment. Even after I told her I never had to be transferred to another department to set up a payment since my information has been in collections. I told her all my account managers have set up my payments but this agent did not want to assist. I then asked to speak with XXXX XXXX manager, she stated he was not available but she would reach out to him to see if they can offer an exception and wipe out the month of XXXX for me. The account manager XXXX that was assigned to me, that works in the collections department never called me back, not once when she figured out that a payment had not been set up. I let the agents know that collections will call you if they are still excepting a payment from you, but this agent XXXX never called back. 

To get me out of collections I have to pay {$1100.00} by the end of this month so I can be back on track for XXXX. I already had them set up 3 payments for XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX to take out {$300.00} but that would still leave me short {$270.00} to pay so I am not behind a month. I am not rich by any means and I just want Sallie Mae to be held accountable for the mistake that their agent made
Consumer complaint received 2023-01-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (FL)

My primary bank is in XXXX  ( direct deposit of XXXX  ). For over a XXXX XXXX XXXX XXXX I have been transferring money to my local bank, Ameris Bank to pay my mortgage here in XXXX. 

Approximately 6 months ago Ameris up and decided they couldnt trust our bank in XXXX  and stopped accepting transfers. Additionally Ameris put our account on restriction where they would only accept certified payments. Forcing us to pay via mailing certified checks to Ameris bank. Ameris went on to lose several of our certified checks. My XXXX XXXX dropped XXXX points because Ameris reported we had not paid several of our mortgage payments. Ameris refused to talk with me about the problem and demanded I send new checks for the missing months. 

I filled a complaint with the XXXX  and suddenly ameris found the missing checks and returned my score back to what it had been. Although I recently learned my XXXX  XXXX XXXX still reflects all the missed payments. 
Now, less than 6 months after the first fiasco Ameris has again reported I am missing mortgage payments even though my online account with Ameris says Im current. My XXXX XXXX got updated XXXX days ago saying XXXX over 60 days late on my XXXX payment even though I have proof of payment and my mobile app says Ive paid them. 

I found out Ameris has been sending my personal info to my old address in XXXX. I attempted to change my address online and over the phone but they only allow the change via mail. I have mailed the form several times but somehow it seems to disappear, just like my checks. 

Earlier today my wife got a call saying Ameris received an envelope with XXXX and XXXX payments enclosed. ( Which we mailed in XXXX to miss any late fees for XXXX as we were on vacation. ) They refused to deposite XXXX check and claimed it need to be mailed in its own envelope. They are demanding a new check, even though its a cashiers check and that money is already out of my account. 

Im hoping CFPB can help me restore my XXXX XXXX, get my mailing address changed and get online banking privileges restored so these problems will stop happening.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (CT)

In short, after more than 5 years of good standing, never a missed payment, American Express decided to increase my purchase interest rate by 6 % ( to 20.49 % ) on XX/XX/XXXX for no stated reason with no reasonable notice. ( Simply changing the interest rate number on the bottom of a statement is not reasonable notice for such an unexpected increase. ) Having never been delinquent with a payment, one expects that their interest rate is not going to rise to astronomical levels without due cause or at least a notice. I've done what I am supposed to do, I've always paid my bill on time, American Express has continuously given me credit increases over time. I never had a reason to expect that they would have due cause to raise the rate. Finally, as I approach my credit limit due to hardship, they crack the interest rate up. This behavior is nothing short of predatory. 

They even had the nerve to do this on the XX/XX/XXXX, our XXXX XXXX XXXX. If this is the new America, I am ashamed of my country. 

Info : Purchases XX/XX/XXXX-Current : 20.49 % ( v ) Purchases XX/XX/XXXX to XX/XX/XXXX : 14.49 % ( v ) This is how I am rewarded as a loyal customer in good standing after 5 years. Shame on AMEX.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

n accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 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
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

n accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 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
Consumer complaint received 2023-01-13
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. (CO)

On XXXX XXXX I placed an order with XXXX XXXX I paid {$75.00} extra for overnight shipping. The estimated delivery was XXXX XXXX. On XXXX XXXX I sent XXXX XXXX the below email. 
XXXX ) Where's my order # XXXX? The order was placed XXXX XXXX XXXX XXXXXXXX est delivery XXXX XXXX. I did not pay {$75.00} for overnight shipping to have it arrive the next week. I except a refund on the shipping cost or there will be a charge back with the credit card. 
XXXX XXXX XXXX from XXXX XXXX  responded XXXX ) We are very sorry for not being able to send the order on time. I will make a follow-up today to make this order fulfilled. Kindly wait for the order and we will also provide a partial refund for the shipping cost. You will receive a XXXX XXXX refund for the shipping cost once you received the order. Please accept our sincere apology for the inconvenience. If you have questions about this order, kindly send a response so we can further help you. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX responded XXXX ) Sorry, I am done waiting on you to ship this order. Cancel the order and refund {$380.00} to my credit card. 
On XXXX XXXX Spirts responded XXXX ) Your order # XXXX will be requested to be canceled and refunded the {$380.00}. Kindly give us time as we are currently updating our system. The processing of refunds and cancellations may take time. 
XXXXXXXX XXXX XXXX XXXX I filed a dispute with Citi credit card they gave me a conditional credit, On XXXX XXXX Citi sent me a message stating that the dispute was resolved and the credit was permnament. 
XXXX ) XXXX, XXXX. We're pleased to let you know that your dispute has been resolved- your {$380.00} conditional credit is now permanent. There's nothing else you need to do. 
Citi is now saying the dispute is reopened and it's back to a conditional credit. That dispute should NOT BE REOPENED, I requested to cancel the order the merchant was upgrading their system, that's not my issue. Thank you
Consumer complaint received 2019-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (IL)

It seems like the card is damaged or is not completely activated. When I first called in about the problem the rep started laughing at me and I didn't respond well to that. I am very upset I needed a cab yesterday and the cab company 's website said the 3 digit security code was invalid. I called back and spoke to another rep and she said I had to register the card online but when I tried doing this on my own, their website also showed an error saying the 3 digit security code was invalid and that the card itself was not valid. The rep sent me a link today XX/XX/2019 and said she had to make some changes for the card on her end, so it wasn't until then I was finally able to register the card. I logged in but as part of logging in you have to enter the 4 digit security code that's on the front of card and now it's saying that this number is also invalid. So this will be my third time today calling back after I was told the card would absolutely work correctly now. Photos attached
Consumer complaint received 2023-01-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Remex, Inc. (CA)

REMEX INC MEDICAL DEBT COLLECTION in the amount of {$600.00} Original creditor is XXXX XXXX XXXX at XXXX Opened on XX/XX/2022. 

I never received any documentation or written notice regarding this debt collection. I found about it today when it showed up on my credit report. This is adversely affecting the interest rate on my student loans - I had a near perfect credit score of XXXX with XXXX that is being damaged by this unlawful collection. They did not fulfill their legal obligation to notify me in writing before marking the collection on my credit report. I immediately disputed the charge with XXXX and XXXX. When I called them to find out more and request an itemized bill or any form of written documentation, they claimed they had already sent it in XX/XX/2022. XXXX of XXXX XXXX was extremely rude and accused me of lying. I am also filing a complaint with the XXXX. I dispute this charge in full it is unlawful, unprofessional, unwarranted and disgraceful. My credit score is essential for me as a young XXXX  looking to enter the industry and this is damaging my financial future. Thank you for your help.
Consumer complaint received 2020-01-02
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. (NV)

I turned my car in to the bank in XXXX. They still charged me late fees in XXXX all the way to XXXX. They had my account open for 5 years charging me late fees and no pays for 5 years after I turned the car in. I self repoed this car 8 years ago and it will stay on credit for 13 years because they let it stay on the credit report for 5 extra years
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (NY)

FEB DESTINY is in direct Consumer Law 15 USC 6802 ( a ) and 15 USC 6802 ( b ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2021-11-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

On XXXX XXXX I sent a letter to Equifax out asking that items be removed from my credit file these items where all of the same accounts along with them being inaccurate items on my credit profile I never received a updated about my credit report or about them doing a investigation due to these derogatory items these has caused me to be denied for credit along with my credit score being lowered, I ask that these items be removed this is so wrong that they refused to remove these items from my credit profile, XXXX XXXX On XX/XX/XXXX XXXX this account from XXXX XXXX was removed because this is a item that is not mine. without this company notifying me within 5 days this account this item would be reinserted and reported as a open account on my credit profile and tis account is in a collections status but reporting open and was placed back on my account on XXXX XXXX
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

The inquiries below do not belong to me. They are FRAUD. Delete ASAP. They should not be on my report. 
-- -- -TRANSUNION XXXX -- XXXX Inquiry : XXXX XXXX, 2020
Consumer complaint received 2022-10-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (WA)

I open the account online and didnt know that the bank was not in my area but I was fine because it was suppose to be a virtual spend account I thought by the name which is virtual wallet meant everything was done online anyways so I made my opening deposit and submitted my documents and was verified for the account but a few days later my account and my funds was placed on hold for no apparent reason I called many times and was told that the person putting a hold on my account will get back to me and I waited but the person never called then today I finally talk to her and she asked me to go into a branch and verify myself but the problem is that theres no branch near me so that was it she just said she closing my account.. I asked and even offered to go to any bank of their choice and bring my dicunents but she refuses to help and kept adamantly telling me that shes closing my account I dont even know what I did wrong and she never gave me an explanation why I was targeted in the first place now I feel like maybe because of my XXXX descent I was targeted..
Consumer complaint received 2023-01-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I was contacted via Postal Mail on XXXX XXXX about a XXXX credit card debt that went to concerning an affidavit " Request Writ '' for garnishment ( nonperiodic ) to XXXX District Court XXXX XXXX XXXX MI XXXX, case # XXXX. It was filed against me by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ( XXXX XXXX ) with many Attorney names with bar numbers included. Furthermore, I was the Garnishee and it Included Huntington National Bank ( the true creditor ) out of XXXX Ohio. XXXX : {$980.00} on XX/XX/XXXX total judgment with interest accrued to date {$63.00}. The total amount of the post-judgment cost accrued was {$40.00}. The amount of unsatisfied judgment due is {$1000.00}. The credit card was with Huntington Bank with the last payment made in XXXX XXXX I visited the Local Huntington Bank Branch and spoke with a representative asking if their bank would allow garnishment of my social security and pension benefits from creditors or third-party debt collectors. I was told yes if they pay a fee of {$75.00}. I further explained that I am XXXX old and retired and my wife who had XXXX XXXX contracted XXXX in the XXXX time frame and with transportation costs, medications help cause hardship as I explained to XXXX the debt collector also.
Consumer complaint received 2020-06-10
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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was shocked when I reviewed my credit report and found late payment on the payment history from your company. 

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 2020-06-10
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: Experian Information Solutions Inc. (CA)

For the past 6 months I have been trying to get Experian to erase a fraudulent XXXX account off of my credit report. I have tried calling, mailing, and online disputes. I have a FTC identity theft report and a police report. They refuse to take this account off of my credit report and informs me the information is accurate.
Consumer complaint received 2023-01-13
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: TD BANK US HOLDING COMPANY (TX)

Someone applied for a XXXX card in my name. I did not apply for a XXXX card. I would never apply for a XXXX card. The company sent me the card, I called them and told them that I did not apply for this card. They cancelled the card, however all of my information was breached.