davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (TN)

Notice of billing error ( 12 CFR 1026.13 ) XX/XX/2022 RE : Account number : XXXX To whom may address my concerns, I have noticed several billing errors in the Truth-in-Lending disclosures section of the " Retail Installment Contract and Security Agreement ''. The first one being the number of payments as well as the amount of payments seems to be inaccurate on the Pavment Schedule, 16 CER 433,1 ( d ) which describes a purchase money loan in regards to the truth in lending disclosure is defined as : " A cash advance which is received in return for a " finance charge '' within the meaning of the truth in lending act and regulation z, which is applied, in whole or substantial part, to purchase of goods or services from a seller who ( XXXX ) refers consumers to the creditor or ( XXXX ) is affiliated with the creditor by common control, contract, or business arrangement. " Under Regulation Z also known as truth in lending the itemization of payments should mirror the finance charge amount as it is " the dollar amount the credit will cost me ''. The next billing error is the " down payment '' on the itemization of the amount financed. In pursuant to 15 U.S.Code 1605, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction.The {$3000.00} downpayment placed under section " XXXX '' which references gross trade-in ( if negative enter O here and enter the amount on line XXXX ), is in violation of 7 CFR 1436.10/c ) The down payment may not include any trade-in, discount, rebate, credit, deferred payment, post dated check, or promissory note to the supplier or contractor. 
The next billing error can be seen on the amount of credit provided to me or on my behalf. There is no authorized user other than the appointed attorney-in-fact by the consumer to receive any credits on behalf of the consumer. I am demanding additional clarification including documentary evidence of the procedures used to come up with these itemized amounts in accordance with Generally Accepted Accounting Principles ( GAAP ). 
These billing errors may be assumed to be a willfully intent on misleading and or deceiving the consumer of the character/ amount of any debt pursuant to 15 U.S.Code 1692e. All debt obligations and securities are owed to the United States 18 U.S.Code 8 Do NOT hinder nor delay the delivery of the consumer goods associated with the transaction.
Consumer complaint received 2015-11-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: DISCOVER BANK (AZ)

Last year I set up an automatic ACH payment with a vendor ( XXXX XXXX XXXX ) to be made to my bank ( Discover Bank ). I recently cancelled the service with the vendor. I requested that the vendor cancel the automatic withdrawals. I advised my bank NOT to honor any further ACH payment requests from this vendor. However, in spite of my written and verbal requests, the bank continues to honor these unauthorized ACH payment requests and continue to pay the vendor long after the service has been cancelled. I have repeatedly requested that the bank stop and they refuse to do so. I am not concerned about PAST payments - that money is gone, but I would appreciate if they would STOP payments in the future. This should not be that difficult to do.
Consumer complaint received 2015-06-25
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: Experian Information Solutions Inc. (AL)

I have several unauthorized credit inquiries on my credit report to companies in which I have not applied. I have attached the documents that i have mailed and faxed to the alleged creditor requesting that they remove the unauthorized credit inquiry from my credit report.
Consumer complaint received 2021-05-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 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 im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

While checking my credit report on XXXX XX/XX/XXXX. I noticed two inquiries with a debt collection from XXXX XXXX XXXX one account that was for an amount of {$370.00} that was opened on XX/XX/XXXX. The other account was for an amount of {$680.00} that was opened on XX/XX/XXXX. I don't owe this company any debt
Consumer complaint received 2021-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (MD)

I opened an account with Suntrust bank. I mobile deposited my pay check. I was initially alerted my funds would be available next day. The next day I was told my account would be on hold for another XXXX  days. They refused to give me any explanation as to why other than they were tipped off that my my check may not clear. I told them if there was an issue with the check I could call the states comptroller officer to clarify it because I work for the state. They refused and gave me no access to any of my money. They also refused to simply stop processing the check so that I could go elsewhere. I verified the check with the Maryland XXXX XXXX XXXX. There is nothing wrong with the check. I now have late fees on bills that I needed to have paid. They even told me they could not give me more information because it is confidential. How can my own information and my own check be confidential to me? I spoke with the the supervisor and still was told that they could not release my money for XXXX  days. They refused to even give me an explanation as to how they came up with the random date of XXXX days away. They literally took my money and wont give it back. It was {$1800.00}. I have bills and a family that depend on my check. Im not sure why a state issued check would be a red flag or how opening an account with them would flag as suspicious. That makes no sense. So Im penalized for opening an account with them? They havent even gave me the initial {$200.00} or so they give people access too while a check clears. They have my entire check on hold!
Consumer complaint received 2024-03-04
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. (NY)

I reviewed my credit reports and it shows unverified and fraudulent items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2023-10-25
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (LA)

This company is reporting an identity theft account on my credit report from XXXX  or XXXX  and I have notified over and over that isnt mine and Im a victim of identity theft and they have ignored that and tried not to do their job. I didnt open this account and it isnt mine. My information was taken over and used through open multiple cards under my name. I have filed an FTC identity theft affidavit and if this isnt resolved I will pursue legal counsel
Consumer complaint received 2022-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

Summary : In summary, I am writing this complaint because Citizens Bank sent my mortgage statement extremely late, with a statement date not aligned to when the statement was actually mailed, and little to no time to send in a payment. I previously submitted a complaint to Citizens on this and have not heard back. 

Full Story : I originally applied for a mortgage through XXXX who then sold my mortgage to Citizens Bank ( aka Citizens Financial Group ). A couple of days ago, I noticed that I never received my first mortgage statement. I knew that it would be due on XXXX, so I went through the process of signing up online. This was honestly fairly difficult as their website is not intuitive, despite me being extremely tech savvy. I put in a complaint with Citizens at that time about not receiving my statement and the difficulty I had in trying to pay my first payment through their website or on the phone due to long wait times. Today ( XX/XX/XXXX ), I finally received my first statement. The date on the statement is XX/XX/XXXX, but it was mailed on XX/XX/XXXX. I am not sure what the industry standard is, but receiving a statement within 4 days of it being due is just not enough time, especially with it falling around a weekend when mail services are limited. Luckily for me, I was able to make a payment online and get it taken care of. However, if this happened to an elderly person, someone was out of town for a couple days, or a multitude of other situations, this could have resulted in missed payments and negative marks on someone's credit score. I am extremely disappointed with this level of service and am extremely disappointed that my mortgage is now through this bank, forcing me to do business with them for the next 20 years.
Consumer complaint received 2017-08-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (NC)

This collection agency is reporting an alleged debt to XXXX XXXX XXXX to the credit bureaus, however the collection agency is not licensed to collect debts in NC. They are illegally attempting to collect a debt and I dont owe the balance they are reporting.
Consumer complaint received 2021-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (PA)

I paid off 3 Chase credit cards on XX/XX/2021. AFTER they were paid off in full, XXXX balance showing, I was charged interest on the 'not paid in full balance ' from 2 previous months. On one of the cards, I was actually issued a 'credit refund ' and THEN charged interest. Several emails back and forth asking for reviews have just gone in circles with either deflection language or cut and paste answers repeated.
Consumer complaint received 2021-05-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (UNITED STATES MINOR OUTLYING ISLANDS)

I stated to TRANSWORLD then that this was Fraud induced/Identification fraud by my Ex-wife or the other listed Third-Party XXXX XXXX? whom I have no knowledge of agreement beyond insurance. ( 3 ) I clearly stated by phone to them ( XXXX ) then that my purpose was to not claim accountability for XXXX XXXX apts. but to only get XXXX XXXX removed from my credit report However in-spite of their knowledge of third party/ possible fraud they have chosen to attach me because I paid a related bill in order to clear my credit. As of XX/XX/XXXX letter they have sought include me in a debt that occurred on 2015, I have contacted original party XXXX management several years ago and informed them of the fraud and circumstances involving on XXXX XXXX.
Consumer complaint received 2023-11-30
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (CA)

I signed up for a Synchrony Bank Crate and Barrel Credit card based on advertising by the sales associate of rewards and payment plan options. I was told that I can chose one or the other not both. Also told me the rewards don't expire per say, even though it will show an expiration date I can just call customer service and theh would reinstate it. So last year some rewards expired and I called as told and got them reinstated without any questions or issues. Now again some new rewards expired earlier this year and now I called customer service they are denying that they would ever reinstate rewards, even though my rewards history show my rewards being expired and then reinstated in the past. I want to just be able to use my rewards as promised. If I were aware if permanent expiration of rewards I wouldn't have gotten this credit card because how often would I shop at a furniture store. I'd rather accumulate other points and services on my other credit cards.
Consumer complaint received 2022-01-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION (NY)

I made a transfert of {$500.00} to XXXX since XX/XX/2021 the recipient never receives the money every time I contact xoom they tell me something different they re waiting for a feedback from the receiving bank that never ends eventhough I sent them the recipient bank statement by request they even tells me do not call them they will send me an email that XXXX never happen I do not know how much more I have to wait for a refund
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

Regarding Equifax. 

1. On Sunday, XX/XX/XXXX, I signed onto the Equifax website to remove a freeze on my account in preparation to apply for a mortgage with XXXX XXXX XXXX XXXX. 
2. According to the Equifax website, I successfully removed the freeze from my account. 
3. Today ( Monday, XX/XX/XXXX ) at approx. XXXX A.M. I received a message from XXXX XXXX XXXX XXXX indicating that they could not obtain my Equifax credit report due to a freeze on my account. 
4. I signed onto the Equifax website and the website indicated that that my account was " not frozen ''. 
5. I responded to XXXX XXXX XXXX XXXX indicating that my account was " not frozen ''. 
6. Today ( XXXX, XX/XX/XXXX ) at approx. XXXX P.M. I received another message from XXXX XXXX XXXX XXXX stating that they " had just phoned Equifax and Equifax stated that my account was still frozen and XXXX XXXX XXXX XXXX could not obtain an updated report ''. 
7. I again signed onto the Equifax website which stated that my account was " not frozen ''. I obtained a screen print which I then sent to XXXX XXXX XXXX XXXX. 
8. I then called Equifax and went through their " automatic phone system ''. The system is so unfriendly to the user. For example, the consumer can not answer a question until listening to the entirety of the recording. The choices offered to the consumer do not cover all conditions and so the consumer is forced to guess on what options to select. One of my question stated " for the above account ... '' I was on the phone so what account were they referencing? Clearly Equifax does not mind wasting the consumer 's time.

9. After being on hold for 40 minutes, I was finally connected to an agent who was clearly not a " native English speaker ''. The connection was so poor and I could hear all kinds of background noises. I am XXXX XXXX XXXX and while my hearing is normal there are plenty of people with XXXX  XXXX and who would not have been able to understand the agent due to his accent and the background noises. 
10. The agent stated that he removed the freeze from my account. Since I had removed the freeze from my account the previous day, how am I to trust his action?

11. The agent then stated there was a fraud alert on my account and that I am to be called when anyone accessed my account. I had not received any call from Equifax today nor had I received a call from Equifax in XX/XX/XXXX when a credit report was pulled. How am I to trust Equifax 's fraud alert? 
12. According to the Equifax agent, XXXX XXXX XXXX XXXX must now wait another XXXX hours to access my credit report. 
13. As a final insult, I waited on the phone for a survey to communicate my experience with Equifax. No survey was ever offered.
Consumer complaint received 2021-05-17
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. (IL)

I have been harmed by XXXX, XXXX and transunion. they have kept on item on my report that are older than 7 years and have allowed others to gain access to my ssn and records that i am authorized representative and sole beneficiary.
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX reported as a charged off account with balance {$4000.00}. account opened XX/XX/XXXX, XXXX this account was paid in full and is being reported incorrectly. This account was reported twice the second time correctly, when disputing through equifax, they removed the correctly reported account. I have contacted Equifax and XXXX XXXX to correct this error to no resolve! This is a severe error and now is showing 28 months worth of charge offs!?
Consumer complaint received 2022-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (OR)

I was the victim of identity theft and am unable to get a response from PNC Bank about the fraudulent accounts that were opened, or the fraudulent documents they accepted to open the accounts in my name. 
In early XXXX, 2022 I received what I thought was marketing credit card offer from PNC bank. 
On XX/XX/2022 I received a letter from PNC Bank stating that I had opened 3 Consumer accounts with PNC Bank. I did not open any accounts with PNC. I called PNC immediately. During the phone call I was told that I could not get any information on the accounts unless I gave my SSN or an account number. The letter I received only had the last 4 numbers of the account number and given the nature of the call, I would not give my SSN so the representative could not look up the accounts. She told me I could take the letter to a PNC branch, however there are no branches in my area, only ATMs. I determined that what I thought was marketing was actually a credit card that had been opened in my name. I gave the representative that card number. I was told that the information would be given to the fraud department and I would receive a call back in about 48 hours. I did not hear back from the fraud department and on XX/XX/2022 started trying again to reach PNC to discuss the matter. 
On XX/XX/2022 I received a letter from PNC Bank to confirm my address change. I did not make any changes. I called PNC again multiple times. Due to long wait times, I was unable to talk to anyone until XX/XX/2022. During this call I was given the direct number for the fraud department. I have called the fraud department multiple times and have never been able to speak with a representative. I left a voicemail on XX/XX/2022 and to date have not received a return call. I also wrote a letter on XX/XX/2022 requesting confirmation that the accounts have been closed. I understand it is too soon to get a response from the letter, but the lack of response to my phone calls is extremely troubling.
Consumer complaint received 2017-08-24
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: ProCollect, Inc. (TX)

Under the FDCPA, you have the right to debt validation. This means a consumer can demand that a creditor reporting information to the credit bureaus prove the account is really your responsibility and that the balances are accurate. I have tried several times contacting the collection agency showing on my credit report " Pro Collect & XXXX XXXX XXXX '' for debt validation. I have also contacting the credit bureaus several times for debt validation. Neither has shown proof of debt validation. 

According to FDCPA the law states : " If the collection agency failed to validate the debt and has sent a notice of the debt to a consumer reporting agency, the notice of the debt must be removed. If not, send a notice of the failure of the validation to each consumer reporting agency that lists the debt. Unless the credit reporting agency can validate the debt, it should be removed from your credit report. If the collection agency sends you proof they have the right to collect the debt, the debt is yours, and the amount is accurate, then the debt is validated. '' It has been well over 30 days for the collection agencies and the credit bureaus for showing proof of debt validation. Therefore I am asking that Pro Collect Inc & XXXX XXXX XXXX to be removed from my credit report immediately.
Consumer complaint received 2022-09-28
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. (LA)

please remove fraudulent / unauthorized inquiry from XXXX XXXX XXXX XX/XX/2022 off my report or provide proof in writing within 30 days
Consumer complaint received 2022-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (IL)

Hello my name is XXXX XXXX and two weeks ago I got a notice from a collection agency saying i owe XXXX money for a bill for XX/XX/2021. The issue is I was not on XXXX service or network. My contract was over with them in XX/XX/2021 and the lease was formally paid off in that same month ( I still have the receipt that says " Lease termination with purchase " and that the Leasing charge for end of Lease ). I also have another receipt with the last payment for XXXX. I also called to follow up with XXXX around that same time and one of the store reps even said I owe the company nothing. 

Just today on XXXX I tried calling the debt service twice and didn't get a response.
Consumer complaint received 2022-04-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (TX)

I have disputed the amount this company is trying to collect. I. Q. Data is reporting the same debt twice on my credit report with XXXX different amounts owed. I sent them a certified debt validation letter which they refused to investigate. If they can not satisfactory validate this debt, I demand they remove these collections from my credit file.