davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BBVA FINANCIAL CORPORATION (CA)

In XXXX of 2020, my account at BBVA Compass was closed in retaliation after I filed several CFPB complaints alleging that the bank had mismanaged their PPP loan application process in a manner that violated their Lender Agreement with the US Small Business Administration. Unfortunately, the retaliatory actions did not stop with the account closure. I was subjected to hate speech by a bank employee, hung up on by the bank, told that my only communication with the bank could be an email address which would routinely take several days to email me back. I was also told by a bank employee named XXXX XXXX, who has also engaged me with hate speech, that I would be able to retrieve my funds from the bank via an outgoing wire transfer if I dropped my complaints and released all claims, but I said I did not feel this was fair and wished to reserve my rights. At this point, the bank further punished me by issuing a cashier 's check via XXXX  to return the funds, which they are legally allowed to do. However, the check that was issued was a " bad '' cashier 's check without any funds to back it, which did not allow it to be deposited. This check contained the entire balance of my small business 's account and I could not access it for weeks. Writing a bad check is a crime. Between the account closure and XX/XX/XXXX, I made over 50 phone calls to BBVA USA and was constantly hung up on and told that my only form of contact with the bank could be via email. I emailed the address they gave me constantly throughout this period to attempt to locate my funds, and was never told their whereabouts. On Friday, XX/XX/XXXX, I sought help from the XXXX XXXX Police Department who took over the case. A detective there, XXXX XXXX, took statements from both BBVA USA and XXXX XXXX, where I was attempting to deposit the check. BBVA USA played XXXX, stating they had no idea where the funds could be and calling the situation " bizarre. '' XXXX XXXX, on the other hand, provided a very clear picture of what had happened -- a crime. A senior VP at XXXX XXXX, XXXX XXXX, made a statement to XXXX 's Detective  XXXX clearly stating the check was " bad '' and did not have funds to back it. This is a criminal offense. After several corrective conversations with a high-up employee at BBVA,  Detective XXXX was able to get the funds released and I was able to deposit my check on XX/XX/2020. The full value of the check, due to its complicated history, was not available to me until XX/XX/2020.
Consumer complaint received 2022-05-15
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)

I called equifax on XX/XX/XXXX to let them know they violated my right to privacy as a consumer pursuant to 15 usc 1681 4 by publishing information on my consumer report without my permission pursuant to 15 usc 1681b ( a ) ( 2 ). I told them to remove the derogatory mark from my consumer report. they said that they would send a dispute to the debt collector about the derogatory and that is not what i requested. i would like Equifax to remove/delete the derogatory mark from my consumer report asap due to the laws I provided above.
Consumer complaint received 2023-12-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (PA)

My student loan is currently due on the XXXX of each month. This date is the same as my car loan and auto insurance payment so I wanted to request a new due date to space out payments so my bank account is not negative and I can pay other bills. 

I have called several times and spoke with several representatives regarding this and every time I am told give it XXXX weeks for the changes to reflect in the system. I log on today XX/XX/XXXX and to my surprise the due date still shows XX/XX/XXXX with a 15 day past due balance even though I have been requesting the due date be changed. 

I called on XX/XX/XXXX which lasted XXXX hour and XXXX minutes and was told the date would be changed to be due the XXXX of each month. 

I called on XX/XX/XXXX which lasted XXXX hours and XXXX minutes and was told the date would be changed to be due the XXXX of each month. 

I called on XX/XX/XXXX which lasted XXXX hour and XXXX minutes where I was asked to bring my account to current status and when I explained I have been trying since XXXX to get the date changed I was placed on hold for the person to look into my account then to be told she was locked out of my account and reaching out to another department and when I was placed back on hold the representative disconnected the call and I was placed back into the normal phone loop with the option of waiting another XXXX minutes to speak with someone else. 

I am not trying to avoid paying my debts. I simply want to change the date so I can afford to pay all of my other bills. I am also mad cause it now looks like I missed a payment which will ruin my XXXX XXXX when I made multiple calls and put in the effort to wait on hold to speak with someone to resolve the issue. This is out of hand and uncalled for and will potentially be ruining people 's credit scores which is NOT ok!!!!
Consumer complaint received 2020-10-02
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

My wife and I refinanced our existing XXXX XXXX  VA mortgage with another lender in XX/XX/2020. We completed the closing process and wired the required payoff to the title company within that same month. I received verbal confirmation from both the new lender and XXXX XXXX  representatives that the month 's mortgage payment did not need to be made, as a payoff request had been initiated prior. The payoff was completed, in full, and we were reported to all Experian, XXXX, and XXXX  credit bureaus two weeks later. Several unsuccessful attempts were made with XXXX XXXX  and the three credit bureaus to remove XXXX 's " late '' payment since XX/XX/2020. The credit bureaus did not objectively review the statements and documentation, only deferred to XXXX XXXX  's statement. We, as the consumers, did everything under the advisement of XXXX XXXX  and the new lender, and in good faith, and completed our obligations on time. A detailed summary is provided in the attached documents, with amplifying information and substantiating documents.
Consumer complaint received 2020-08-18
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account.
Consumer complaint received 2020-08-06
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 (CA)

On XX/XX/XXXX, I was viewing my American Express ( Amex ) account online as I wanted to put some charges into my Pay Over Time ( POT ) account. However, I got a message that said " You don't have a Pay Over Time account ''. Strange because last month I did and was able to use it. I tried chatting with Amex but didn't get a good explanation and wanted further detail. So I called them and spoke to a very nice patient man. I subsequently found out in my conversation with him that Amex had raised my APR from 15.24 % to 24.27 % effective XX/XX/XXXX. I was very shocked and asked why they had done this. He said it was because I was late with 2 payments this year in XXXX and XXXX. I told him to please notice that my XXXX payment was only 3 days late and my XXXX payment was only 1 day late, due to the fact that I was having trouble getting my Social Security payment to coincide with the due date of my Amex card. He was able to change my rate back to 15.24 % effective XX/XX/XXXX which I very much appreciate. However, he could not change it retroactively for charges I put over to POT from XX/XX/XXXX to XXXX. I asked why was I never notified of this change in APR or that they had cancelled my POT. I would never have continued to put charges over to POT had I know my APR had increased that much. He said notification should be on my XX/XX/XXXX statement. I pulled the PDF statement up and told him that on page 1 it says my POT Limit is {$18000.00} and my Available Pay Over Time Limit is {$11000.00}, this to me sounds like I still have a POT account but he confirmed that they closed it to further use. He said to look further down in my statement and way down on page 11 of 12, sure enough they stated it would be increased to 27.24 % effective XX/XX/XXXX but still no notice that my ability to use POT was cancelled. I feel this is a very sneaky practice ; burying the notice on page 11 of my statement. I said a formal letter informing me of this important change to the APR and that my POT was cancelled would have been more appropriate. He agreed but nothing he could do about the high APR being charged from XX/XX/XXXX to XXXX. I really do like Amex as they have been good to me over the past 30+ years but the practice of raising interest rates without sufficient notice is not ethical.
Consumer complaint received 2024-03-19
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. (GA)

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. 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.

And according to 15 USC 1681eb they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 information is inaccurate.
Consumer complaint received 2020-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

I have had my Chase XXXX XXXX credit card for several years and was never late on my payments. I missed the XX/XX/XXXX minimum payment of {$35.00} but paid {$500.00} which Chase received on XX/XX/XXXX. I called the automated system to see what my remaining balance was. I currently owe {$190.00}. The automated system said that the account was closed. I spoke with a customer service representative and was told that because I missed the XX/XX/2020 payment of {$35.00}, my account was closed by Chase. I paid more than the minimum payment due and they have the nerve to close out my account during the COVID-19 pandemic.
Consumer complaint received 2020-08-18
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: OneMain Finance Corporation (MI)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia (VA)

Was not notified of status of the debt, to be able to try to resolve, until it impacted my credit report, and had to reach out to Find out what the debt was for. When I was made awear of the debt I call to resolve it. If I could have been aware of the debt initially I clod have been able to resolve it prior to it impacting my credit.
Consumer complaint received 2020-10-02
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My wife and I refinanced our existing XXXX XXXX  VA mortgage with another lender in XX/XX/2020. We completed the closing process and wired the required payoff to the title company within that same month. I received verbal confirmation from both the new lender and XXXX XXXX  representatives that the month 's mortgage payment did not need to be made, as a payoff request had been initiated prior. The payoff was completed, in full, and we were reported to all XXXX, XXXX, and Transunion credit bureaus two weeks later. Several unsuccessful attempts were made with XXXX Mortgage and the three credit bureaus to remove XXXX 's " late '' payment since XX/XX/2020. The credit bureaus did not objectively review the statements and documentation, only deferred to XXXX XXXX 's statement. We, as the consumers, did everything under the advisement of XXXX XXXX  and the new lender, and in good faith, and completed our obligations on time. A detailed summary is provided in the attached documents, with amplifying information and substantiating documents.
Consumer complaint received 2020-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (CA)

In XXXX of XXXX we cancelled our XXXX XXXX XXXX XXXX XXXX, TV, Internet, & Phone service. At that time we closed out our account, we paid our final bill in full & returned all Equipment to the Customer service Center in XXXX XXXX Calif. On XX/XX/XXXX we received a collection notice from ERC collections in the amount of {$520.00}. We are disputing their actions based on the above stated facts.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2023-01-08
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: SLM CORPORATION (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX The above inquiries were supposed to be soft inquiries rather than hard inquiries. I will like these to be dropped off my credit report
Consumer complaint received 2020-10-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (DE)

I financed a automobile through Ally Financial and I purchased the Gap insurance they offered. My car was deemed a total loss by the insurance company. My insurance company and I have sent Ally all the information regarding this request. My insurance company paid the remaining balance should be covered by the GAP insurance protection they offered. They requested additional information and I sent it. Now they are asking for a police report that doesn't exist because the damage was water based. I've called there number to discuss and I get a message they can't take calls at this time. I tried to send a message via their website and that is failing and can't take messages. I want to get this resolved but can't even speak with them at this time. 

Please help
Consumer complaint received 2020-08-07
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. (NC)

XXXX and Transunion stated that I have been late on a payment in XXXX with my XXXX XXXX. XXXX XXXX has send me a letter stating that I have never been late. So I don't understand why I have a late payment on my account, which is bring down my credit score.
Consumer complaint received 2020-09-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (MN)

On XX/XX/20 paid an amount of {$3000.00} that was not applied to our loan balance. Contacted the company numerous times since XXXX and still do not have a resolution. We paid off our loan balance on XX/XX/20 but the XXXX statement still shows we owe {$2800.00} while the My Account Details page shows we have a ( {$190.00} ) balance. We continue to contact the company to give us the money we overpaid and provide us the title to our car. The customer service representative keeps indicating they sent an email to the Finance team but nothing gets resolved.
Consumer complaint received 2020-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Dovenmuehle Mortgage, Inc. (TX)

Taken out of forbearance without notification, reported delinquent to credit bureau and also transferred loan to new servicer. 

Hello : The issue is Dovenmuehle mortgage although granted a forbearance, reported my loan as delinquent to XXXX and therefore I got a big hit on my credit score which until then was very good. Please see attached credit report - ( _XXXX Personal ReportXXXX ). 

The forbearance was issued from XXXX to XX/XX/2020 but they went ahead and reported me delinquent for 60 days. ( Attached is their letter for forbearance - Letter from Dovenmuehle granting forbearance - XXXX ). 

On XXXX, I sent them a certified letter asking for extension of the forbearance for which I did not receive any response back. Attached is the letter. 

On XXXX and on XXXX they sent me 2 debt collection letters ( also attached ) but on XXXX ( in between the two letter mentioned previously ), they sent me another letter saying that I opted out of forbearance. I never did email, call or send a letter asking to discontinue forbearance and neither did they attempt to get in touch with me via any communication method. After receiving their letter dated XXXX, I called their Loss Mitigation department on XXXX, spoke to XXXX who said she rectified the forbearance expiration to until end of XXXX. 

On XXXX, I received a letter from Dovenmuehle that my mortgage has been transferred to XXXX. Since then I contacted the Dovenmuehle mortgage customer service over the phone a few times but the agents were not able to help me saying that they did not have access to my forbearance information. One agent told me that the previous request with XXXX was still pending for over a month and no action was taken although XXXX told me that she granted me forbearance. 

On XXXX XXXX I contacted them again and asked for a supervisor and they would not connect me and they took down my name and number and said someone would call and no call as yet and it is XXXX of XXXX. I also wrote them an email on XXXX to have them call me back or resolve my issue and have not heard back. I believe this is bordering on fraud that they took my mortgage out of forbearance to sell the loan. Need your assistance and help on this as I have exhausted all avenues with Dovenmeuhle.