davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-28
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (VA)

Pursuant public law Best Buy Citi Bank failed to provide a 45 days notice regarding the decrease credit limit and hasn't disclosure the minimum payment payoff pursuant to the Card Act. See 15 USC 1602 ( k ) ; 15 USC 1602 ( j ) ; and 15 USC 1602 ( b ) TITLE ICONSUMER PROTECTION SEC. 101. PROTECTION OF CREDIT CARDHOLDERS. 
( a ) ADVANCE NOTICE OF RATE INCREASE AND OTHER CHANGES REQUIRED. 
( 1 ) AMENDMENT TO TILA.Section 127 of the Truth in Lending Act ( 15 U.S.C. 1637 ) is amended by adding at the end the following : ( i ) ADVANCE NOTICE OF RATE INCREASE AND OTHER CHANGES REQUIRED. 
( 1 ) ADVANCE NOTICE OF INCREASE IN INTEREST RATE REQUIRED.In the case of any credit card account under an open end consumer credit plan, a creditor shall provide a writ- ten notice of an increase in an annual percentage rate ( except in the case of an increase described in paragraph ( 1 ), ( 2 ), or ( 3 ) of section 171 ( b ) ) not later than 45 days prior to the effective date of the increase.

( 2 ) ADVANCE NOTICE OF OTHER SIGNIFICANT CHANGES REQUIRED.In the case of any credit card account under an open end consumer credit plan, a creditor shall provide a writ- ten notice of any significant change, as determined by rule of the Board, in the terms ( including an increase in any fee or finance charge, other than as provided in paragraph ( 1 ) ) of the cardholder agreement between the creditor and the obligor, not later than 45 days prior to the effective date of the change. 
( 3 ) NOTICE OF RIGHT TO CANCEL.Each notice required by paragraph ( 1 ) or ( 2 ) shall be made in a clear and conspicuous manner, and shall contain a brief statement of the right of the obligor to cancel the account pursuant to rules established by the Board before the effective date of the subject rate increase or other change. 
( 4 ) RULE OF CONSTRUCTION.Closure or cancellation of an account by the obligor shall not constitute a default under an existing cardholder agreement, and shall not trigger an obligation to immediately repay the obligation in full or through a method that is less beneficial to the obligor than one of the methods described in section 171 ( c ) ( 2 ), or the imposition of any other penalty or fee.. 
( 2 ) EFFECTIVE DATE.Notwithstanding section 3, section 127 ( i ) of the Truth in Lending Act, as added by this subsection, shall become effective 90 days after the date of enactment of this Act. 
( b ) RETROACTIVE INCREASE AND UNIVERSAL DEFAULT PROHIB- ITED.Chapter 4 of the Truth in Lending Act ( 15 U.S.C. 1666 et seq. ) is amended ( 1 ) by redesignating section 171 as section 173 ; and ( 2 ) by inserting after section 170 the following :
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have freeze on my account. I am unable to open any new accounts like a checking account, saving, credit, and car financing. 
Please help me fix this. 
I need to start my life and saving for my family. 
My name XXXX XXXX.
Consumer complaint received 2022-09-11
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Hi, My name is XXXX XXXX. On XX/XX/XXXX I was charged {$900.00} on a Neiman Marcus charge card which is issued by Capital One. I received a statement in XXXX in which I didn't recognize the charge and I called Capital One. The said they would investigate and opened up a case. The case number was XXXX. I received a letter on XX/XX/XXXX stating it was resolved and the charges were reversed. Shortly thereafter I was again charged the full {$900.00}. I made calls both to Capital One and Neiman Marcus. I was I informed that the charge took place in a Neiman Marcus store in XXXX XXXX Florida on XX/XX/XXXX. I was never in XXXX XXXX during that time. I have records that I was physically in NJ that week and I also have XXXX  receipts that show my toll history for that week as well. I was never informed what the purchases were that amounted to {$900.00}. In all honestly, I rarely use this card as I haven't been shopping at XXXX  much. Capital One was not interested in my proof and got quite nasty with my on the phone. Their explanation was that since I was in possession of a card it had to be me at the store. They declined to send me a receipt or to let me know which card was used since apparently the sent me an updated card in XXXX or XXXX. I normally get emails and transaction alerts on the app when I do make charges and I never received an email or alert in XXXX. My last email and alert on the app was in XXXX for a minor purchase. My phone number is on my profile and always used during purchases to get points on the transaction. For this {$900.00} transaction my phone number was not used and I received no points. I'm frustrated and disappointed in both the lack of transparency with Capital One. I thought they worked with their customers rather against.
Consumer complaint received 2020-04-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (FL)

I have had issues with debt collection attempts by several companies, Commonwealth being one of them. These issues always involve the same creditor, XXXX XXXX Hospital for small amounts of money. I do not owe XXXX XXXX Hospital any money. I have never owed XXXX XXXX Hospital any money. One or both of the computer systems keep reporting or re-reporting supposed past due amounts which have been collected or adjusted. Every collection entry is not a valid line item. 

I spend time montioring my accounts because these issues seem to arise quite often and out of nowhere.
Consumer complaint received 2022-09-11
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. (TX)

accordance with the fair credit reporting act XXXX Account xxxxxxxx XXXX, has violated my rights. XXXX5 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 2021-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP (OR)

THIS IS NOT A DUPLICATE REQUEST- THIS IS A REQUEST THAT RESULTED FROM THE INCOMPLETE RESPONSE In XXXX I was promised that I would receive grandfathered guidelines as long as I qualified for them. This was promised to me by a the XXXX XXXX area retail leader and the XXXX branch manager since a bank error caused XXXX to not recognize the grandfathering automatically. I confirmed this with XXXX branch manager XXXX in XXXX of XXXX. I still received fees on my account anyway. I would like them refunded. 

To be clear. I'm requesting that the service fees charged on my Key Priveledge select checking in XXXX and XXXX re refunded to me through a check mailed to my house. This amount should be {$500.00} or {$550.00} I'm locked out of my online banking so I can not verify the exact number of fees.
Consumer complaint received 2018-03-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (IN)

We were doing a mortgage and called XXXX XXXX with Loan Depot. We told him what we wanted and had been quoted for rate. He said he could match it. When we got our financial docs to sign I saw that he was charging me {$4200.00} to buy down the rate. I called and told him that I was not going to pay to meet a rate I had gotten from another lender. He told me " don't worry about that, just sign it and I will get it taken off before we close ''. Our loan was very rocky bc of XXXX XXXX. We were supposed to close on XX/XX/XXXX, but he did not get the appraisal out in time and we were delayed. That was difficult for us bc we were supposed to be out of our house we were in on XX/XX/XXXX. We had to pay extra to stay until the XX/XX/XXXX. Then a few days before the loan closing we get the disclosure paperwork and that was not taken off. We called and could not get anyone to help us. We went forward bc we would have been homeless onXX/XX/XXXX had we not. At the closing table the {$4200.00} was still on the paperwork. I was very unhappy, but had to have a place to live. I signed and closed on the loan. 
On my way to our house to move into, less that 1 hour from closing a rep from Loan Depot named XXXX XXXX called and apologized that they had made mistakes and the {$4200.00} was not taken off bc my loan officer did not give them what they needed. I explained to him that I was not happy at all and I wanted them to refund the buy down rate that they charged me. He said to get him documents from other lenders, I told him I did not have any bc that was months ago and I can not call a lender and ask them to send me docs after I have closed with someone else. He insured me that they were at fault bc they did not follow the fair lending practices that are in place. He stated that someone would be getting with me to fix this situation. That was on XX/XX/XXXX. I have called and tried since then to get this resolved. XXXX XXXX the branch manager called and said he was trying to solve this but would have to send it to legal to get it taken care of. That was the first part of XX/XX/XXXX. It is alomost XX/XX/XXXX and I have not heard from anyone. I have sent emails and text messages letting them know if I do not hear anything I would be filing a complaint. To this day I have not heard back. This is a classic case of predatory lending and I want to be reimbursed for the money they dishonestly took from our family.
Consumer complaint received 2022-04-01
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: Alliance One, Inc. (NY)

I was reported into collections which is negatively affecting my score. I had a payment plan agreement and have missed none of the payments. I also was out of work due to covid. It is unfair and I want that taken off my record
Consumer complaint received 2022-04-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: KEYCORP (OH)

Key Bank loan. Paid off loan on XX/XX/22, still have not received the title. Called Key Bank on XX/XX/22 and as told that the title would be sent within 15 business days. I still have not received the title as of XX/XX/22.
Consumer complaint received 2020-04-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Chase has arbitrarily closed our branch in rural California claiming Coronavirus issues. Every other bank branch in our town ( XXXX, XXXX XXXX and XXXX branches ) simply added plexiglas barriers quickly and remain open. Our branch assistant manager has no timetable to give us for re opening, no further information on when adjustments can be made to reopen and offers us three alternatives to branches a half hour away. Travel in these times is possible for a few days but longer term it appears the bank is unwilling to make the changes other institutions took in hand am managed swiftly. This has apparently happened on many communities and Chase should have to account for itself. ATM Banking should not be forced on any community when a viable branch can be maintained. If this is cost cutting and the branch will remain closed then its customers should be promptly advised so they may make other arrangements. We reside in XXXX CA and have discussed this with XXXX XXXX. Nothing other than get a debit card and go to other branches was offered by way of information. We find this unsatisfactory.
Consumer complaint received 2024-04-23
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. (AZ)

I have raised a Dispute with XXXX, XXXX, TransUnion for a closed XXXX XXXX credit card account XXXX with XXXX XXXX XXXX The Creditor ( XXXX took over XXXXXXXX XXXX XXXX relationship with XXXX XXXX store cards ) has no record of a credit card account for XXXX ending in XXXX. Address of the Creditor has multiple versions with each of the credit score providers ( find below ). I am not liable for credit card account XXXX with XXXX XXXX and am requesting assistance to remove the account from each of the credit score providers : XXXX, XXXX, TransUnion. 

XXXX - Online Account : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Credit Report : XXXX XXXX XXXX XXXX, FL XXXX XXXX - XXXX Account : XXXX XXXX XXXX XXXX, GA XXXX XXXX - Credit Report : XXXX XXXX XXXX XXXX, PA XXXX TransUnion - Online Account : XXXX XXXX XXXX XXXX, FL XXXX TransUnion - Credit Report : XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-09-11
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. (TX)

accordance with the fair credit reporting act XXXX Account xxxxxxxxxxxx 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 2021-09-01
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. (GA)

I am a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX all have fraudulent accounts on my credit profile that needs to be removed immediately.
Consumer complaint received 2022-09-11
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: Contemporary Information Corp (CO)

Im a natural living human and I have rights under the 15, USC 1681, that XXXX  who is governed under 15, USC 1681, they have violated my rights on numerous occasions and I demand that the following accounts from the list below be removed. According to Rule 15, USC, 1681, I have the right to privacy and I did not give XXXX real permission to furnish these accounts information. 

Accounts : XXXX XXXX XXXX Account XXXX Contact info XXXX XXXX XXXX # XXXX XXXX, SC XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX NY XXXX NY XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX 
XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-29
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: CITIBANK, N.A. (NJ)

These were unauthorized charges to my Citibank XXXX  XXXX   card. The unauthorized charges are as follows : 1. XXXX XXXX in the amount of {$69.00} on XX/XX/XXXX - Citibank rule in the merchant 's favor 2. XXXX charge in the amount of {$200.00} on XX/XX/XXXX - Citibank once again rule in the merchant 's favor I have over 15 years of relations with Citibank ... I have an excellent repayment history and almost perfect credit, hence paying off my credit card balances. Therefore I am not using my card for purchases. It appears that Citibank ruled in a consumer favor if the charges are smaller but for larger purchases, they are ruling in the merchants ' favor. 

Please provide any help that you coule provide as I truly did not make the purchases. thank you and stay safe!
Consumer complaint received 2022-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Early Warning Services, LLC (FL)

On XX/XX/2022 I listed furniture on XXXX XXXX, buyer contacted me, wanted to buy and opted to pay me {$500.00} via zelle. Got email from Zelle saying they had the funds on hold as my checking account was not a business account and buyer had to send me {$350.00} to upgrade my account to business, then I had to send back {$350.00} to buyer and show the proof, then Zelle would release {$850.00} back to me. Then Zelle sent email that buyer 's account was charged {$350.00} in duplicate and Zelle could not refund him the {$350.00} as it was already in its system and could not reverse so asked me to send additional {$350.00} and they would refund me {$1200.00}. Otherwise they would not be able to release the funds. Then Zelle asked for {$700.00} for a Certificate Fee which would also be refunded to me. My bank stopped that payment, fortunately. Yes I fell for a scam to my horror for the first time in my life. As it's Zelle the {$700.00} ( $ XXXX ) my bank is unable to recover the funds. Is there anything that Zelle can be responsible for in this situation. I believed the emails were actually coming from Zelle. Thank you.
Consumer complaint received 2020-04-29
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: Experian Information Solutions Inc. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.
Consumer complaint received 2020-10-13
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. ()

I have freeze on my account. I am unable to open any new accounts like a checking account, saving, credit, and car financing. 
Please help me fix this. 
I need to start my life and saving for my family. 
My name XXXX XXXX.
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I applied for a Capital One Business credit card. I was informed to provide secondary documents which I did. I provided The annual report to the state and my tax return which was initially accepted and then when I called back, they said they will not accept it. They declined my annual report to the state, which was prepared by my tax consultant. After that, I provided two Additional documents with my business name, my bank statement, and water bill. Per the letter it stated documents need to have the business name on them. Both the bank statement and water bill have my business name on it. When I called back, they said they cant accept those documents because they also have my name on them. Nowhere in their letter does it say that it is to only have the business name and not my name. I am the business owner, and I dont know any bank that is putting out a bank statement without also putting the owner name on the bank statement. I feel like I am being discriminated against for reasons that I do not understand. I have consulted with my tax consultant who says he has never seen this happen and I have provided all supporting documents. I also have a XXXX XXXX of XXXX so there is no reason why they should not approve me after providing all the documents they Requested. I have provided every single type of document with the business name and address, and they still are denying me. Nowhere on the Forms requested does it say it can not also have the business owners name on it.
Consumer complaint received 2021-10-05
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. (IN)

I submitted a previous complaint on XX/XX/2021 in regards to improper reporting and other consumer violations. I have submitted letters to the companies involved prior to that. 
The complaint was closed due to XXXX and Transunion needing " authorization/verification ''. I called the phone number provided in the response and was told to re-file my complaint. 
I will enclose the previous supporting documentation as well as the original complaint on XX/XX/2021
Consumer complaint received 2024-04-15
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. (TX)

XXXX XXXX XXXX is a collection agency that is based out of Georgia who do not have a state license or registration to do business in the state of Texas where i reside, and they place me in collections. They don't have the right to do business in the state. My account number is XXXX.
Consumer complaint received 2021-02-28
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. (KS)

I sent a Certified Dispute Letter to Transunion ( Tracking # XXXX ) and it was received on XX/XX/2021. 30 days have passed and I haven't received any response from Transunion. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.