davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-02
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: Experian Information Solutions Inc. (NV)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2018-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (CT)

Timeline XX/XX/2018 ( approximately ) On my mobile phone I receive an alert from Discover Card that a balance transfer offer is available to me. I click on a link that opens the Discover Card application on my ( XXXX  ) phone where I see at a glance that a balance transfer offer is available to me on the following terms : 0 % interest for 9 months 3 % transfer fee In reliance on this offer I decide to pay off my Discover Card balance so that I can use the offer to the maximum extent up to my Discover Card credit limit. Using my bank 's mobile banking application I schedule a payment that will cover the balance on my Discover Card. 

XX/XX/2018 ( approximately ) Seeking to initiate a balance transfer I log into the Discover Card application on my mobile phone but I am unable to do so because at this time no offers are available. Apparently the original offer has been revoked, which is surprising to me because in my experience balance transfer offers are generally available for at least 30 days. There is no " alert '' history in the Discover Card app and no indication that the balance transfer had ever been made. 

XX/XX/2018 XXXX XXXX  EST I call the customer service phone number that is printed on the back of my Discover Card and I speak with an agent named XXXX. He says that there is no record of the recent balance transfer offer. XXXX transfers me to a manager who again tells me that she sees no record of any recent balance transfer offers. She says that on occasion Discover will make balance transfer offers that are only available for " one day '' or a " limited time '' but according to the manager, these short term offers are always visible in a customer 's account history. Apparently I am the first person this manager has ever known who received a balance transfer offer that was not logged into account history. I explain to the manager that I am angry because it seems Discover Card induced me to pay off my balance with the offer and once I did, they revoked the offer. The manager offers to log my complaint internally but is unable to offer any other resolution and is not able to provide a confirmation number that will be associated with my complaint. 

For consumers such as myself it is always a challenge to manage cash flow and available credit in a rational way. Discover Card 's apparent practice of offering a balance transfer and then revoking it without a trace is a type of deception that might subject them to civil and/or criminal liability as it has the effect of depriving their customers of the ability to manage their finances rationally.
Consumer complaint received 2018-12-05
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: Experian Information Solutions Inc. (NC)

I am attaching a letter that I sent to the credit bureaus back in XXXX. I had asked them to investigate and correct errors that appeared on my credit report. They have not responded yet. I've also sent follow-up letters that have also been ignored. They were supposed to respond in 30 days, and its been nearly 4 months now.
Consumer complaint received 2017-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I have tried to place a freeze on my credit four times now using the Experian website on this day XXXX/2017. Each time they have declined my request and told me to send them something by mail. I can not find a customer support line to resolve this issue. Considering the XXXX breach, I would think being able to place a credit freeze would be simple enough. Both XXXX and XXXX have allowed me to do so without much hassle.
Consumer complaint received 2018-12-05
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: EQUIFAX, INC. (UT)

On XX/XX/2018 Equifax ran a 'hard inquiry ' of my credit without my knowledge approval or authorization. The inquiry was from XXXX XXXX  ( XXXX XXXX XXXX ). I have spent hours on the phone with both Equifax and XXXX XXXX to no avail. Equifax states it is not their problem and that XXXX XXXX must request to remove the inquiry. I have filed a complaint with XXXX XXXX but I am doubtful it will be handled in the correct manner. Equifax says my address is incorrect instead of XXXX XXXX, Utah ( XXXX ), where I have lived for over two years, they show XXXX XXXX XXXX, Utah with a different zip code.
Consumer complaint received 2018-12-05
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: EQUIFAX, INC. (NC)

I am attaching a letter that I sent to the credit bureaus back in XX/XX/XXXX. I had asked them to investigate and correct errors that appeared on my credit report. They have not responded yet. I've also sent follow-up letters that have also been ignored. They were supposed to respond in 30 days, and its been nearly 4 months now.
Consumer complaint received 2022-06-13
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX Account # 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 2022-02-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tate and Kirlin Assoc (CA)

This is the third or fourth time Tate & Kirlin Associates , Inc has tried to collect money we do not owe. This time for XX/XX/XXXX account for XXXX XXXX in the amount of {$110.00}. 
Reference XXXX on XX/XX/XXXX. 

We did not contact them as we do not think it is wise. You have taken care of the previous times Tate & Kirlin has done this. 

Tate & Kirlin Associations , Inc. 
XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX
Consumer complaint received 2022-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CO)

I made a checking account deposit with a personal check from my father in the amount of {$6000.00} on XX/XX/2022 to my US bank checking account. I made this deposit Via ATM after XXXX as I was working and could not complete the deposit earlier. Due to the deposit amount I was not able to complete this transaction via the mobile app. I assumed there would be a hold on the funds due to the time and amount of deposit which is reasonable, however there was an additional hold placed for several days. I received a letter from the bank dated XX/XX/2022 that stated we have placed an additional hold on funds deposited because " we have information that leads us to believe this check will not be paid ''. It was a check from my father 's credit union!? And what information do you have that would lead tou to believe the funds would not be paid. Of course no such information could be provided. My depsoit has been held for an additional week. I incurred multiple late charges and overdraft fees due to the very unnecessary extended hold. I have been unable to pay my mortgage or utilities due to this. Unbelievable! My father provided me a snapshot from his bank account proving the check cleared his account on XX/XX/2022. 
I contacted both the XXXX customer service department AND my local branch and was told there was nothing they could do. The local branch stated they could try to contact my father 's bank to verify funds but that majority of banks no longer do this for Privacy purposes. I understand that hold policies are in place to protect the bank and Consumer but to extend a hold based on a claim that they have " Information that lead them to believe the check would not clear '' when no such information could be provided is unethical, predatory and very dishonest! 
The letter I received also stated that they would reimburse me any fees incurred as a result of the extended hold. We shall see. I'm not hopeful at all. 
I have been banking with US Bank for over a decade but I am absolutely disgusted and disappointed with their so called policies. As soon as I am able I will be banking with another more honest and ethical institution.
Consumer complaint received 2018-12-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

On the XX/XX/2018, I was unable to access funds in my account using my debit card at a car dealership, despite adequate funds being available in my account. The amount was {$12000.00}. 

Despite contacting the bank via telephone and spending over an hour on the phone with them ( being passed from department to department ), the bank refused to authorise my payment. After many different attempts at rectifying the issue by several different departments, the bank finally told me that a {$5000.00} daily transaction limit ( that I had previously neither agreed upon or knew about ), could not be waived even with my authorisation. The call centre also gave poor instruction to the dealership on how to authorise the transaction as debit, which led to a {$3000.00} transaction going through as credit ( giving the dealership a financial penalty which luckily they accepted on my behalf ). The bank then tried to force me to do a wire transfer, and didn't tell me there would be a charge until I was just about to authorise the transaction. Luckily I did not complete the transaction. 

I was forced to leave the dealership and complete a 2 hour round trip to retrieve a check book from home. 

The bank is HSBC US, though all of the departments I spoke to on the phone were overseas call centres.
Consumer complaint received 2020-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Today, XX/XX/XXXX, I received a notice from Bank of America stating an increase to the annual fee charged to my credit card. The notice also said my account would be closed on the same day If I declined the new agreement that will take affect beginning of XX/XX/XXXX and the will be charged on my anniversary date which will be XX/XX/XXXX. I called to reject the new fee and to object this new agreement. The customer service representative named XXXX advised me that I could not use my card anymore or be refunded a prorated annual fee amount because I rejected the new terms and my account is closed. I advised her that this can not be right because I paid for an annual subscription on XX/XX/XXXX. I had agreed to the terms that were set forth on XXXX XXXX stating that my annual fee would be {$59.00} for the next year. I also told her that this agreement does not take affect until XX/XX/XXXX and I should be allowed to use my card that I paid a subscription to use until XX/XX/XXXX of XXXX. Bank of America and I had an agreement on XXXX XXXX stating if I paid {$59.00} I would have access to use my credit card for this upcoming year. Now I get a new statement and it saying if I dont agree with an agreement that doesnt take affect until next year then they will cut my card off now. I paid for a service for one year and I should be legally obligated to use that service for that for that one year or be refunded a prorated amount. XXXX was not able to help me and I was transferred to another representative named XXXX. He told me the same thing, saying because I rejected the new terms Bank of America will close my account the day that I reject the terms. They will not refund any amount of money and will not allow me to use my card. I asked if I could speak to another representative or legal and he gave me a phone number to fax because thats the only way to contact them and said I will have to wait for a response from them based on any inquiries that I sent via fax. I dont understand how a company can charge you an annual fee to use a credit card and then five months into the annual agreement they change the terms for a future agreement and see if I dont agree I am not obligated to finish out the service I paid for.
Consumer complaint received 2020-12-14
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. (TX)

I disputed these accounts on XX/XX/2020. It has been over 60 days and I havent received anything from the credit bureaus. I always thought the credit bureaus had to complete an investigation within 30 days. Clearly its been longer than 30 days and the bureaus are ignoring me. According to 611 ( a ) failure to complete an investigation within 30 days is grounds for automatic deletion. It has been well over 30 days in my case. These accounts should be removed from my credit report.
Consumer complaint received 2019-02-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (MD)

I received a statement in the on or about the second week of XX/XX/2019 from HSBC bank. This account was fraudulently opened under my name, using my home address, date of birth, and social security number. After calling the customer service department at the bank, they told me to send a letter with the details and they would close out the account. I also went to a local branch and talked with the senior branch manger to get the account closed. She promised me this would be taken care of within 5-7 business days. On or about the second week of XXXX I received my second statement that the account was still open and getting interest. I then called the local branch manager to let her know the account was still opened, and she told me per her corporate office it sometimes takes longer to close out an account under these circumstances. I have not heard back from her as of today XX/XX/2019..
Consumer complaint received 2018-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HSBC NORTH AMERICA HOLDINGS INC. (PA)

I opened HSBC advance checking account to receive a {$400.00} bonus. I have asked HSBC three times, via my online account webpage messaging center, when the {$400.00} will be credited. I am getting answers such as, " 90 days after depositing funds '', " six to eight weeks after completing all requirements '', and " approximately eight weeks after completing all qualifying activities, which would be by XX/XX/XXXX. '' My understanding on opening the account is that I should receive it by XX/XX/XXXX, per the first answer " 90 days after depositing ''. Now it appears that it would be " approximately '' two months later. 

Please confirm when the {$400.00} bonus will be available.
Consumer complaint received 2018-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (GA)

Freedom Mortgage Company recently purchased my home mortgage from another lender.

I am attempting to pay off my mortgage as soon as possible by paying an additional {$500.00} per month to pay down principal. This company refuses to allocate these funds to principal, and instead applies the excess funds to future payments. Multiple phone calls have resulted in conflicting information, and no results.

In my first call, I was told they would make a note on my account to ensure future payments would be allocated properly. The next month they were not.

In my second call, I was told that they could not process principal reduction payments from electronic payments, only if paying by check.

The next month I sent a check clearly showing the allocation I desired. Freedom Mortgage ignored my instructions, and allocated my funds to future payments. Their representative was clueless and said a supervisor would call me back. I received no such call.

Additionally, in my second call, I was told there were multiple fees to pay off my mortgage in full. I asked for and was told I would be sent documentation from my original mortgage contract allowing such fees. No such documentation was forthcoming.
Consumer complaint received 2018-04-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MA)

I co-signed a student loan for my son-through the college, to be a XXXX XXXX. My son defaulted ( he had quit school to help his very sick father in law to be with the family business -- he now is divorced and can't make his loan payments- ) and i have taken over the payments to not allow my credit to be damaged. though it was too late at that time -- I was unable to get a car, when my car died, to get back and forth to work. -- I had to get a co-signer because my credit was ruined.-by navient student loan services. 
to make a long story short, my son never graduated and had defaulted on his loan. I guess we have a private loan, which i was not aware of and my interest rate ( which I found out is a variable rate ) keeps climbing. now its 11.25 % -- this is a rip off. I am paying {$210.00} in interest each month and there is no way to add additional payments to the principal either, to cut down on the interest. 
I have paid all back payments and interest.- now current. 
I don't know what to do ... this loan will never be paid off by the time of my death. 
I am XXXX yrs old and a single mom of XXXX -- trying to make right by my sons loan that I co-signed. I am struggling, don't know how long I can keep up these payments. 
I need to know if there is away to refinance this loan? need a fixed rate and not a private loan.-where they can keep raising my rates. 
I see student loans for 2-6 % ... why am I paying 11.25 %? 
HELP PLEASE
Consumer complaint received 2018-12-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (CA)

On XX/XX/XXXX we had our house appraised to attempt to remove the PMI from our mortgage loan. The effective date of the loan was XX/XX/XXXX. After the appraisal our loan came in at my calculations- 78 %. We were advised that our loan has to be at 75 % to remove the PMI. We have never had a late mortgage payment, nor any missed payments. Calling the customer service line has never been helpful to us, our calls to the customer service takes approximately 45 to an 1hr of our time. We contacted Roundpoints mortgage customer service twice and they were not able to assist us in advising us on - how we would be able to terminate the PMI, what other options do we have? No exact numbers could be provided to us. One of our questions to the representative was how much does the principle need to be to get rid of the PMI? Roundpoints representative persistent that we use the online calculator as she was not able to provide us with any number to be able to lose the PMI. Also, no dates were provied as to when the PMI can be removed. 
Due to school loans, I am worried that we will fall behind on our loan and we are in desperate need of someone assisting us on when and how can we lose the PMI- How many more months will we have to wait and what other options do we have? I know we can refinance our home and lose the PMI, however doing so would only add the cost to our mortgage.
Consumer complaint received 2023-03-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Phoenix Recovery Group (FL)

I was not a resident at the property for over a year and my ex wife the tenant caused damages to the home and said it was XXXX to fix and all of a sudden I got hit with XXXX XXXX on my credit without any notice or chance to pay or fix the issue. I had been living in Florida over a year and her in the property for that time. I was never notified or given a chance to pay or fix the issue they just hit my credit.
Consumer complaint received 2022-02-02
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. (PA)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (CA)

Im a victim of fraud charges and the responsible company for this incident is BARCLAYS BANK DELAWARE Account # XXXX, date open XX/XX/2014. Around 2 years back I went to XXXX for vacations. I rented a car in XXXX XXXX. The car had an accident and the insurance paid for it but the rental company ( XXXX ) still charged my cc from Barclays Bank. I disputed with Barclays bank the incident and Barclays Bank did reverse the charge but did not removed the fraudulent related account from my reports. So Im reporting this incident to the Consumer financial protection Bureau so that Barclays Bank removes the fraud related account from all 3 reports. Im attaching police report and Federal Trade Commission reports. Thank you!
Consumer complaint received 2023-03-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (NY)

this complaint is an addition to a complaint that i already i filed against credit acceptance. i want to file a criminal complaint and and get recourse in this matter. this company repossessed my car illegally and im dissatisfied with the outcome of the previous complaint. You didnt address the violation of 15 usc 1692f unfair practices. Im extremely frustrated with the lack of investigation in this matter.Please look into this matter again