davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have had no luck escalating my complaint with their customer service department so if you could please forward my email to the correct people to get it resolved. 

This complaint is regarding claim number XXXX for {$130.00}, I was sent an unable to be paid letter back in XXXX, the letter state the merchant had rebuttled my claim, and that their rebuttal is attached, there were no documents attached, so I called up your customer service line the first time, they also could not find their rebuttal documents, so it was escalated the first time. I called up a few weeks later to find out the status of the escalation, and they said a letter had been sent out, so I wait a week later and I get the same letter I got in XXXX, saying unable to pay and the rebuttal is attached, so I called up again, repeat the same process, and now for the third time I am receiving the same letter with no info. Very frustratedly I called up again and explained the situation and they said due to being unable to pay they cant help me, now I understand getting the unable to pay letter but I am supposed to have the chance to appeal to whatever the merchants rebuttal is. I have never received that chance and am out the {$130.00} that I dont believe I should have been charged for. 

Can you please address this, this has been going on for far too long.
Consumer complaint received 2018-06-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (DC)

My husband and I originally ordered a gas range and a dishwasher, but we discovered that we only needed a dishwasher. We have talked to the orders and contract department, in the store over the phone. They claimed that they adjusted the bill, which originally was XXXX ( page 6 ). They deducted the {$640.00} ( page 9 ), but they kept a remaining balance of {$450.00}. They should have created a new order receipt. 

They installed the new dishwasher and charged me for it and for the installation, which was {$480.00}. I have the receipt where it shows that only a dishwasher was delivered, so my bill should not have this overage amount.
Consumer complaint received 2022-03-29
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. (WA)

XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX WA XXXX ( XXXX ) XXXX Last 4 of SSN : XXXX Unauthorized Hard Inquiries to be REMOVED : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-06-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES (FL)

I have a home mortgage with Provident Funding and we have repeatedly run into issues with poor service and process requirements which are a detriment to their customers. 

My most recent issue : My home received wind damage to the roof from a thunderstorm. I received a claim check in the amount of $ XXXX from my insurance company made out to me and Provident Funding. I sent the check to Provident for endorsement. First, they deposited the check in their own account rather than endorsing it and sending to me. Provident then held funds for 5 days.. After which they issued a check to me AND the roofing contractor. This now forces me to only work with that roofing contractor for the full amount. I am unable to withhold funds if there are issues that I want the contractor to resolve before full payment. 

I called Provident Funding customer service. The customer service agent said that issuing to the contractor was a requirement of their investor, XXXX XXXX. I asked them to send me documentation of those requirements and they refused. ( " We do not email our customers, even at their request. '' ) I then reviewed the posted guidelines from XXXX XXXX online and the guidelines do NOT require this. I raised the issue to the customer service manager, XXXX, and he acknowledged that the current guidelines do not require this. However, he then claimed that the posted guidelines were " new '' and Provident was not required to follow those guidelines for another month.. Since we both agreed these were the current guidelines, I asked them to re-issue my check per the guidance from XXXX XXXX. He said that regardless of the current guidelines, Provident was not required and so, NO, they would not. He made no apology for their delay in following the guidelines. 

My complaints : - Provident provided me with false information about current guidelines. They only acknowledged the error when I researched and pointed it out to them. 
- Provident is intentionally delaying their adoption of the current guidelines for their own profit at the expense of consumers. They are doing this by holding claim money longer than needed so that they can collect interest which is not rightfully theirs. 
- The attitude from their customer service manager was poor. 
- They refused to provide me anything in writing to back up their claims. They told me to " XXXX it '' myself.
Consumer complaint received 2021-06-06
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)

XXXX  XXXX XXXX XXXX  Credit Cards XX/XX/XXXX Experian XXXX XXXX  I Mortgage Companies XX/XX/XXXX Experian XXXX XXXX I XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2021-02-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: JPMORGAN CHASE & CO. (NC)

XX/XX/XXXX - Car loan w/Chase Bank Beginning balance {$29000.00} / {$530.00} mo. / 60 mos / 3.49 % int rate. 
First pmt due XX/XX/XXXX. Established automatic pmt of {$600.00} through XXXX  starting XX/XX/XXXX. 
Interest discrepancy noticed from XX/XX/XXXX payment. Called Chase Bank in XXXX ( do not know exact date ) and was informed that the XX/XX/XXXX payment was paid on XX/XX/XXXX and the next payment wasnt received until XX/XX/XXXX, so, this caused an increase in accrued interest. I was not satisfied with the answer so consulted with the person who processed our contract at the dealership. He explained that wasnt uncommon, but I could avoid extra interest by setting up a bi-monthly payment plan. I started automatic bi-monthly payments of {$350.00} thru XXXX starting XX/XX/XXXX XXXX payments on the XXXX and XXXX of each month ). Next discrepancy noticed on XX/XX/XXXX when a total of {$110.00} interest was taken between XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX payment paid early because of holiday ). My husband and I both talked to customer service on XX/XX/XXXX and were told extra interest was not taken from the account. Explanation not to our satisfaction. All payments submitted on time with additional principal. Why is interest increasing on a declining balance? Total pmts from XX/XX/XXXX - XX/XX/XXXX is {$3800.00} / interest {$490.00} with a balance of {$25000.00}. The estimated difference is approximately {$50.00}, give or take, but to see a discrepancy so early in the payment process is alarming. Is additional principal applied to interest?
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

In XXXX I was having an issue due to job loss and relocation two state 's away in an attempt to find work. In the process, I fell behind on my car payment. They repossessed the vehicle in XXXX. This account has been sitting there for over 4 years and it was no longer affecting my credit until XXXX, Transunion and XXXX have allowed them to reestablish the date today, bringing it to the forefront again. It now looks like a brand new repossession / failure to pay and has tanked my score. 
I believe that this is clear retaliation on the part of the Big Three to keep consumer credit scores down. I have worked very hard over the past three years to improve my credit rating ; paying all bills, credit card use is at the bare minimum and paid in full monthly. This is affecting my opportunity to have a life! I can not rent anywhere aside from an XXXX park because the Big Three keep allowing creditors that are at the fall off point to reestablish their date and thereby tanking my score. 
I have written you before with no assistance. Please ensure that the PRIVATE companies that you allow to have so much power over our lives, are in compliance with the LAW!
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX is reporting a late that I do not owe. I paid this online and was not informed that the payment did not go through, this late is not my fault. I would like for this to be removed off of my account.
Consumer complaint received 2019-06-06
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. (UT)

XXXX XXXX is reporting a late that I do not owe. I paid this online and was not informed that the payment did not go through, this late is not my fault. I would like for this to be removed off of my account.
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: Bread Financial Holdings, Inc. (NY)

Statement Regarding Unauthorized Sharing of Personal Information To Whom It May Concern, I am writing to address a concerning issue regarding the unauthorized sharing of my personal information by Comenity Bank on my consumer report. This unauthorized sharing of information has come to my attention and raises serious concerns regarding the protection of my privacy rights and compliance with applicable laws and regulations. 

Comenity Bank 's actions in sharing my personal information on my consumer report without my authorization are in direct violation of several laws and regulations designed to safeguard consumer privacy and ensure fair credit reporting practices. Specifically, these actions may contravene the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), Consumer Financial Protection Bureau ( CFPB ) regulations, and potentially state privacy laws. 

The FCRA mandates the accuracy, fairness, and privacy of consumer credit reports, including the permissible purposes for accessing and sharing consumer information. The unauthorized sharing of my personal information by Comenity Bank may violate the FCRA 's provisions related to permissible purposes and the accuracy of consumer reports. 

Similarly, the GLBA requires financial institutions to protect the privacy and security of customers ' nonpublic personal information. Comenity Bank 's unauthorized sharing of my information may breach the GLBA 's privacy requirements and regulatory standards set forth by the CFPB. 

Additionally, state privacy laws may provide further protections for consumer privacy rights and impose additional requirements on the collection, use, and sharing of personal information. 

I demand immediate action to address this unauthorized sharing of my personal information by Comenity Bank and to rectify any inaccuracies or violations of my privacy rights on my consumer report. Furthermore, I expect Comenity Bank to implement measures to prevent similar unauthorized sharing of personal information in the future and to comply fully with all applicable laws and regulations governing consumer privacy and fair credit reporting practices. 

Please provide confirmation once the necessary actions have been taken to address this matter and ensure the accuracy and privacy of my consumer report. 

Sincerely, XXXX
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (UT)

Citicards Cbna is reporting a late that I do not owe. I paid this online and was not informed that the payment did not go through, this late is not my fault. I would like for this to be removed off of my account.
Consumer complaint received 2019-06-06
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Finance of America Mortgage LLC (WA)

This complaint is about finance of America. They purposely held onto my loan documents & refused to send them to the escrow/title company. I was forced extend the closing date from XXXX/XXXX/2019 to XXXX/XXXX/2019. Which was done on XXXX/XXXX/2019. This left me homeless with no address. I'm a single mom with XXXX year old son. Unable to get a hold the loan officer handling my case, he refusing to return any of calls/text messages/emails. Leaves his office early sometimes doesnt show up at his office at all. The realtor involved has lied & made excuses as to why the process is being delayed. I have tried to work with the office manager  for finance of America, but felt I was being told a story. I feel like this is fraudulent scam & im being taken advantage of, as I have paid for earnest money {$2500.00} cleared my bank on XX/XX/XXXX. Inspector was paid in cash on XX/XX/XXXX. Paid appraisal {$700.00} cleared my bank on XX/XX/XXXX. Now I'm being told that I can't get any of that money back. I was supposed to sign & get my keys on XX/XX//2019. With the lack of communication from the loan officer, this has left me homeless with no money, no address.
Consumer complaint received 2022-03-22
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. (MO)

Id like to file a complaint against TransUnion for violating section 611 Of the FCRA. I filed a complaint with TransUnion for reporting inaccurate information. TransUnion verified the accounts in questions & said I need to deal directly with the data furnishers to correct any inaccurate information. I have now sent both TransUnion and all the data furnishers listed below the required letters & I have not received anything from any of the companies. Ive further sent TransUnion request to remove these items for lack of response & theyd ignored my requests to remove the tradelines which I know are inaccurate. TransUnion is now violating section 611, 609 & 623 & Id like these accounts removed immediately. Ive attached all correspondence for your internal investigation. 
DEPTEDXXXX  XXXX Balance {$6800.00} DEPTEDXXXX XXXXXXXX Balance {$0.00} XX/XX/XXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXXXXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XX/XX/XXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XX/XX/XXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDXXXX XXXXXXXX Balance {$0.00} XXXX. XXXX, XXXX XXXX XXXX Balance {$3000.00} XXXX XXXX Balance {$0.00} XXXX XXXXXXXX BANKRUPTCY DISMISSED Reference Number XXXX Filing Date XX/XX/XXXX XXXX  XXXX BANKRUPTCY DISCHARGED Reference Number XXXX Filing Date XX/XX/XXXX XXXX
Consumer complaint received 2021-02-03
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 — Their investigation did not fix an error on your report
Company: Mortgage Research Center, LLC (FL)

OnXX/XX/XXXX,2020, I signed for my home with Veterans United Home Loans . I paid the first payment that was due on XXXX XXXX, 2020, and at that time I set up a recurring automatic payment for all future payments. When I realized my XXXX and XXXX payments were not taken out of my account, I immediately called to make those payments over the phone. At that point, I resubmitted the automatic payment details and reconfirmed that it was set up -- again. 

I am making this compliant to the CFPB after filing a compliant with Veterans United Home Loans to dispute the late payment added to my credit report. Contrary to their claim, I was not notified about any missed/late payment. Veterans United Home Loans refuses to substantiate their claim of attempted notification with any proof. They are unwilling to admit the error even though they erroneously sent me repeated emails congratulating me on closing my home loan while my application was still being processed! 

I am requesting the CFPB to investigate the matter and have the inaccurate reporting notification be removed from my credit report.
Consumer complaint received 2024-03-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Highline Automotive Inc. (PA)

I purchased a car on XXXX XXXX, XXXX the down payment was {$2500.00} which included the taxes and fees for the vehicle. I recently recieved a tax bill for the vehicle from the state and threatening to suspend my registration. the company has not paid the taxes regarding my purchase.
Consumer complaint received 2020-02-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

Received a bill from Mitchell D. Bluhm & Associates LLC located at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX saying that I have a balance {$980.00} from XXXX XXXX XXXX to pay {$580.00} ( 40 % ) and I need it to call them before XX/XX/2020 be in legal compliance. This balance is already showing on my Credit report. I call the company at XXXX on XX/XX/2020. I told the rep that I was willing to pay {$100.00} just to get it off my credit. The rep mistreated me. Told me that had to pay the full amount. I requested then documents to show me that it was actually my debt. The rep then hang up the call. I call again and then I was transfer to a Supervisor and she was more aggressive and demanded that I pay and they will keep it on my credit. If I did a payment plan they will keep it on my credit until I pay the full amount. Still refuse to give me any proof that the debt is mine. I told the rep that date on the bill is around when Hurricane Irma hit Florida. I was displaced for 20 days from my home. Again hang up on me.
Consumer complaint received 2019-06-06
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. (MI)

On XX/XX/18 someone invaded my XXXX XXXX online accounts, changed my password, set up a XXXX account and attempted to transfer money. XXXX turned off my online banking and had to eventually assign new account numbers. 

In late XX/XX/XXXX and early XX/XX/XXXX, someone tried to open numerous credit accounts using my personal information. I have disputed them all. 

I submitted a police report on XX/XX/18. Suspects have been arrested and are currently being tried. 

I had an XXXX XXXX XXXX account due to a previous data breach and they began to help me restore my credit. Between them and me, we have spent endless hours trying to get inquiries removed from my credit. 

There are two outstanding issues with Equifax : XXXX XXXX ( XXXX ) dated XX/XX/18 and XXXX/XXXX XXXX dated XX/XX/18 XXXX has contacted Equifax 3 times to resolve this issue. I have letters from Equifax acknowledging the misreport and still the inquiries remain.
Consumer complaint received 2022-01-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have filed a dispute in regards to the incorrect items on my credit reports. It has been well over 60 days and I haven't received any investigation results.
Consumer complaint received 2019-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (MI)

On XX/XX/2019 I made a payment of {$1900.00} on my Discover credit card that resulted in a balance of XXXX. After the payment processed I made multiple purchases between, XX/XX/2019- XX/XX/2019, that totalled {$910.00}. Today, XX/XX/2019, while attempting to make a purchase at a XXXX. My credit card was declined and I learned that my credit limit was unknowingly decreased from {$2000.00} to {$500.00}. I proceeded to contact Discover and a representative informed me that notification of the decision was being mailed out to me. This presents a problem, as I'd already made purchases that exceed the amount of my new credit limit prior to it having been lowered. Additionally, this results in my revolving credit usage percentage for this card now being around 200 %. Which negatively impacts my credit score and report. I am very upset by this. Had they'd made and communicated the decision to lower my credit limit upon me making my last payment. I would have refrained from using the card. I feel that everything was processed and communicated poorly.