davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CO)

My husband and I are in the process of doing a Boundary Line Adjustment with our neighbors. We are acquiring property through this adjustment and it is a cash transaction. We need lender consent for the county to complete this process, even though we are acquiring the property and adding value and land mass to our property. 

I emailed the documentation on XX/XX/XXXX, I again efaxed it on XX/XX/XXXX. Through a complaint through my original broker, I was contacted by United Wholesale Mortgage via email and sent the documentation again on XX/XX/XXXX. Today is XX/XX/XXXX, approximately XXXX weeks after the initiation for lender consent. I have just spent XXXX hours on the phone with United Wholesale Mortgage and after being passed around to XXXX different people, no one can verify at what stage my request is at. Supposedly the supervisor of the Special Products Division was contacted but would not give status because the review process was not complete. I then talked to an Escalation Specialist who asked that I send the documents yet again to yet another email. I feel we have been very patient, but it is quite frustrating when you can not deal with just one individual sending documentation direct to who is supposedly working on my file. I can only send to general emails and no one will give me their individual contact information so I can deal with only one person. This is not acceptable to a consumer!
Consumer complaint received 2019-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: United Debt Counselors, LLC (NY)

I receive at least 1 letter a week from companies like XXXX that offer some kind of credit repair service. I'm writing to complain because the language they use is very misleading and is intended to trick people into thinking they have to settle an outstanding debt immediately. Language like : -Please contact our office at XXXX within 10 days of receiving this notice. 
-Failure to Call -Will likely result in interest accruing on your unsecured credit balances This kind of misleading notices only end up scaring, confusing and putting more stress on people who are already struggling to pay their bills.
Consumer complaint received 2022-09-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY (AZ)

I received a call from XXXX on Tuesday XX/XX/2022 at XXXX XXXX Arizona time, they told me I was in collections with TD Bank USA, N.A which is my Target Red Card. I had not received any notice in the mail and I wasn't sure who this XXXX is. I have mental illness and this was causing me distress. They said I needed to make a payment. I said that I would like to settle. The lady said let me check. She said I could settle for {$290.00} I told her I could only afford {$170.00}. I said that I was going to be going bankrupt soon but was trying to settle as many of my debits as possible before that. I gave her a credit card and it was my understanding that I would settle for {$170.00}. I now find out that I was just making a payment. I called back and told my that I have special needs and that I have mental illness and that I was taken advantage of. They said I was never offered a settlement. I then pressed and they said yes the lady did say {$290.00} but that I was not allowed to do that. I feel taken so I requested to talk with supervisor and I got the same lies and that I was never approved for a settlement. Please help me if you can. I thank you. I called Target Red card and they said it was a payment not a settlement. So I closed the account. They took advantage of a person with special needs.
Consumer complaint received 2022-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Business Name : XXXX XXXX XXXX XXXX XXXX Name : Fifth Third BankXXXX XXXX Ohio ( Owns the bank ) On XX/XX/2021 I called and spoke with Representative # XXXX and told her I wanted to cancel my debit card. She asked had I been defrauded and I responded no. She said she would not cancel the card. I informed her that I am the owner of this company and this card, I do not want this card used anymore, All prior authorization has been revoked and therefore are no longer authorized to use this debit card and I want the card cancelled immediately. She said she cancelled the card and was sending the new card as requested. I agreed to pay {$30.00} to overnight the card so that I would have one for my account asap. I received the card the next day as agreed and immediately filed the card in a safe location and never used the card to date. 

Today, I noticed a transaction on my checking account that was charged to the new card I never used. I checked mu account with the creditor and the old card number was on file, not the new one. 

I called Fifth Third and spoke with XXXX, a manager in business customer service. She explained Representative # XXXX did not cancel the card as instructed. She replaced the card and transactions would go through with the old card number. 

I am sending this complaint to you because Fifth Third has a history of unethical practices and routinely ignores the authority of the account owner and does at it pleases. The original representative # XXXX clearly did not want to cancel my credit card as instructed. Her personal preferences were used to control by account and my money. This is unacceptable and should not be tolerated. 

While XXXX apologized, refunded my {$30.00}, has cancelled the new card and is sending another, this does not excuse the fact representative # XXXX acted inappropriately, she failed to tell me what she specifically did to my debit card therefore her actions were fraudulent.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Consumer complaint received 2022-01-03
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: ENCORE CAPITAL GROUP INC. (CT)

A derogatory mark has been made on my credit score due to a account being sent to Collections ( listed below ) MIDLAND CREDIT MANAGEMENT Opened XXXX This is from someone fraudulently opening a credit card to purchase plus size clothing online. The credit card is called ( XXXX XXXX  ) The only time I have opened a credit card was at XXXX XXXX ( clothing store ). I believe there was a data breach in their system and my information was stolen. I have refused to pay off the XXXX XXXX account because it is a fraud charge by someone else. It has now been on my credit for 1 yr 11 Mos and negatively impacting my credit score. 
I have disputed this account with XXXX XXXX in the past claiming it was fraudulent, but no action has been taken.
Consumer complaint received 2022-01-03
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: DISCOVER BANK (NV)

reported it several times to discover company but they never paying attention. they keep on telling me its me. My signature on the card is like XXXX my intiial. I lost the card and reported to them but it was used already. it so easy to copy my signature. I told them to help me several times. its not my transactions. Nobody helps me. Please help me to fix this it gives so much impact in my credit score.. thanks
Consumer complaint received 2022-01-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: 1 STOP MONEY CENTERS, LLC (AZ)

I called due to my job cutting our hours to make payment arrangement for my loan on XX/XX/XXXX I was told that they would note my account for the amount being paid on XX/XX/XXXX for {$170.00}. On XX/XX/XXXX {$240.00} was withdrawn from my account unauthorized by me. I have called and disputed the charge but they said there nothing that can be done because that is my past due balance. I stated the whole point of making arrangements is to be able to pay what I can without jeopardizing feeding my children. I feel this practice is against the law especially with the Covid Cares Act in place. Our business is slow due to new cases and I am being penalized with unauthorized charges. I want my loan removed and wiped clear for the collection calls and unauthorized practices.
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NV)

This account was fully paid. Ipaid it even I lost the card and not the one who use it. but it still reporting on my credit report as negative. Please help me to fix it. Thanks
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (NV)

This account was fully paid. Ipaid it even I lost the card and not the one who use it. but it still reporting on my credit report as negative. Please help me to fix it. Thanks
Consumer complaint received 2023-02-18
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: Experian Information Solutions Inc. (CA)

I was going over my credit report back on XXXX XXXX and noticed that a company called XXXX XXXX XXXX XXXX XXXX reporting on my credit report. I called the company XXXX times but no one ever answered so I decided to reach out to XXXX, Experian, and XXXX. I have sent all 4 companies certified mail return receipts stating that I was a victim of identity theft. I sent all 4 agencies a 6-page notarized identity theft affidavit with an FTC report and a Police report from the XXXX Police department here in California. I have sent them 5 different requests stating that this account has never been opened by me nor did I ever have a contract with XXXX XXXX XXXX XXXX. I sent the identity theft notification on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and XXXX, XXXX, Experian, and XXXX. I have included more than enough supporting documents to have this account removed.
Consumer complaint received 2024-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC. (PA)

I went to the bank to make a withdraw and I was told that I could not withdraw that much I could only do XXXX of what I was asking for. and then that figure dropped to XXXX when I asked about a cashiers check or a wire transfer I was told no. I called the customer service number and they told me that it was probability because when I went to the bank it was not available but it is now she said I should not have any issues. I went back into the bank and the teller allowed me to XXXX of my money and then told be to try other near by branch which I did and had no issues making with the withdraw or making a withdraw at the ATM so I had to walk in the cold and pay additional fees for parking Just to access my own money. the last ATM I went to was in the same branch that turned me away and I spoke with the branch manager and she was very stand offish and she was yelling at me from the teller line and when I asked if we could talk in her office she said there nothing to talk about and then she walked away I explain to her she was not listing to me and I asked her to look at her body language. Her purpose was to tell me no at all cost and not help me find a solution. The branch was complete empty and she could not make the time. Then when I asked her to close my account she told me no because it was pending.
Consumer complaint received 2022-01-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Heritage Financial Group, Inc. (AZ)

XX/XX/2022 Always every day! Been going on for 20plus years. No XXXX or CFPB has ever made Heritable accountable for their actions. 

Management trains employees to hide documents that would otherwise print off during a legal court proceeding. 

Management requests employees email when they need account notes deleted. Examples would be. Notes documented during a call with a customer. But management doesnt want those notes seen for possible legal action. 

Management trains employees to cut off the date listed on any authorization sheet the customer gave Heritage a signature on. 
Prior to sending for proof of verification. 

Examples : To verify information such as Employment, rental information. Mortgage information. Utility verification. On any customer. 
Management is vindictive. She picks and chooses what customers can pay to avoid garnished. And what customers get garnished even if they are paying. If management is having a bad day. That. Bad day is then taken out on the customers. And there account. Some customers get promo offers. And others are denied promo offers. On any same given day. No consistency, or fairness taken place behind Heritages doors. This company needs looked into. 

This company has proven to be unlawful unhealthy Undo stress to me and Many others others unwelcome in the work place behavior They have many dark scandalous Skeletons in the company closet!
Consumer complaint received 2022-01-03
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: JPMORGAN CHASE & CO. (CA)

This is regarding a Chase XXXX XXXX credit card. I had made an air ticket purchase in XXXX and have closed this credit card since ( closed in XXXX ). Due to the pandemic I had to cancel the tickets and process a refund with the airline. I have been informed by the airline that the refund has been processed and the refund credited to the closed credit card. Four tickets total were purchased. The total amount of refund is ~ {$4800.00}. Since the Chase customer service representative was not able to find this credit card in the system, I was directed to ask for customer support assistance. I have not received this reimbursement to date ( XX/XX/XXXX ) and it has been close to a year.
Consumer complaint received 2023-12-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CITIZENS FINANCIAL GROUP, INC. (MN)

XX/XX/2023 XXXX loan was paid off with check {$17000.00} from dealership trade in vehicle. The payoff of {>= $1,000,000} was deducted from dealership check and overpayment was sent to us of {$370.00}. 
I called Citizens Bank on Friday, XX/XX/2023 requesting a refund of Gap Ins. amount of {$330.00}. The Gap amount was provided to us from XXXX XXXX XXXX. and original dealer trade in was purchased from. 
Citizens Bank transferred call XXXX different times which requires telling issue again, loan number, name on account, etc. Citizens Bank claims the payoff overpayment included the Gap. Clearly the math indicates otherwise. 
After contacting dealership vehicle was purchased from, they stated a check was issued and sent to Citizens Bank a month XXXX and Citizens has the money..I now have to go through rude call center people again requesting refund. 
Still n XXXX XXXX refund has been sent to me.
Consumer complaint received 2022-01-03
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX Transunion XX/XX/XXXX Dear Credit Bureau : I have a few questions about several inquiries on my credit report. Is it true that in order to pull someones 's credit report, you need permissible purpose to do so? If that is the case, then why did the company below pull my credit report WITHOUT MY AUTHORIZATION? In my last dispute, i asked for the unknown inquires to be verified and my request was ignored. I DID NOT AUTHORIZE THESE COMPANIES TO CHECK MY CREDIT FILE. 

Creditor : XXXX -- Inquiry Date : XX/XX/XXXX XXXX -- Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX- Inquiry Date : XX/XX/XXXX From my understanding, this is against the law!! I did not authorize these aforesaid companies to pull my credit report, PLEASE DELETE THESE INQUIRIES TODAY!!!!
Consumer complaint received 2022-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

During travel our USAA XXXX credit card was stolen and was reported once noticed and determined charges were made that we not made by us. Once reported, USAA placed a credit on the account for the charges and not additional information contact regarding this fraud occurred. 

In XXXX of XXXX, the six charges were then charged back on our statement. We then immediately called re-reported these as fraud and asked why these were charged backed- no reason was given. On one call several days later they were calming that we said the charges were valid which was not correct. What we believe happened is several days after the card in question was reported, closed and the credit issued, USAA block charges on another one of our cards on the account and we called in to have that card reactivated ( a different card than one that was reported ) - We sent a letter on XX/XX/XXXX ( confirmed by USAA that they rec 'd on XXXX ) review these details. 

We called back on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XXXX and in all cases spending long periods of time and speaking to multiple people who said they would research, and we would get a resolution in XXXX calendar days. To this date we have not received and call or any correspondence including any response to our letter sent in XXXX XX/XX/XXXX XXXX XXXX XXXX$9.00} XX/XX/XXXX XXXX XXXX {$120.00} XX/XX/XXXX XXXXXXXX XXXX  {$49.00} XX/XX/XXXX XXXX XXXX {$430.00} XX/XX/XXXXXXXX XXXX XXXX {$15.00} XX/XX/XXXX XXXX XXXX {$130.00}
Consumer complaint received 2023-02-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

I requested an escrow analysis and after the analysis, they stated that there was an escrow overage and that they were going to send me a check for the amount I overpaid. I have since then waited for almost 2 months and they have yet to issue my check. I have followed up with them on this multiple times through the customer service department. Every time I ask about this they just tell me that a check should be sent, but they can never tell me when it will actually be sent. I have waited for months and every time I ask them they tell me theres nothing they can do about it and I just have to wait. That is money that could be earning interest in a separate account, and yet they are holding it hostage and refusing to pay it out.
Consumer complaint received 2022-01-03
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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (NY)

I filled a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

Transunion Credit company is using a false credit report to deny me eligible credit. I discovered my social insurance number was fraudulent through civil litigation and the credit reports leave information on their which is incorrect to assist in human rights violations Because of this TD bank deposited my student loan into a different account because they are a part of this fraudulent activity. I discovered if your XXXX or XXXX  your social insurance number is fraudulent so you dont exist basically
Consumer complaint received 2022-01-03
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: Experian Information Solutions Inc. (TX)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.