davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On XX/XX/year> I filed a dispute on two charges that were a scam. 
XXXX XXXX XXXX XXXX XXXX XXXX  and the other for {$3000.00} for the residence. 
I explained to the company that I did not receive anything and that the company kept stringing me along and was not even a real business. 

I am a student and was away in school. USAA said they sent me a notification that I had to submit proof in 30 days. I never received that notification and so they debited my account for the {$7500.00}. I sent in proof that the amount was suppose to be refunded when I no longer wanted to adhere to their stall tactics. 

USAA won't even file the dispute. They are saying I had only 30 days to send a response and I contacted visa and they said that is not the case. The company kept delaying the delivery of the artwork all the way up until XXXX and I said I was not going to wait that long. The phone number does not work ; there is no info on the designer anywhere. 

This is affecting my credit and making my interest and payments high.. 

USAA will not even submit this for a dispute.
Consumer complaint received 2022-01-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (CA)

Complaint of Fraudulent Loan Charge of {$140.00} reported to the 3 Credit Bureaus by XXXX XXXX XXXXXXXX XXXX Collection Agent AmSher Collection Services on XX/XX/XXXX against me. 

Details of Complaint ( 1 ) I responded to XXXX XXXX XXXX XXXX web advert and purchased a cellular phone and paid {$30.00} as requested by the sales agent on XX/XX/XXXX. 

( 2 ) I was told by the sales agent that the cellular phone will arrive through XXXX XXXX in two days, he also said that I can cancel the purchase within 14 days for a refund. I waited until that weekend, Friday the XXXX of XX/XX/XXXX for XXXX XXXX to deliver the package, but they failed to deliver in 2 days as promised. 

( 3 ) I called XXXX ( XXXX ) around Monday the following week and told XXXX ( XXXX ) to cancel the purchase. I was told by the agent that the purchase will be canceled and if the package arrived, that I should not accept it, that it will go back to the warehouse. When the package arrived, I did not accept it instead I told the delivery man to return it back to the warehouse. 

( 4 ) The following month I noticed on my XXXX XXXX  account that XXXX ( XXXX ) was still charging me using auto pay for the canceled purchase. 
I then called my bank and complained about fraudulent charges from XXXX ( XXXX ), the bank investigated and made 2 reversals on XX/XX/XXXX and XXXX XXXX ( I highlighted the transaction on my XXXX and XXXX bank statements ) can be provided if requested. 

( 5 ) XXXX XXXX XXXX XXXX embarked on a fraudulent collection activity against me which I regarded as elderly abuse and harassment. 

( 6 ) Again, I noticed on my credit report on XX/XX/XXXX that XXXX ( XXXX ) collection agent, AmSher Collection Services reported a fraudulent loan charge of {$140.00} falsely opened XX/XX/XXXX on my credit report. 

( 7 ) I followed up and entered an online dispute on the 3 Credit Bureaus platform XXXX, XXXX, and XXXX that the reported loan charge of {$140.00} by XXXX XXXX XXXX XXXX collection agent, AmSher Collection Services was a fraudulent collection activity. 

( 8 ) XXXX responded and deleted the fraudulent collection activity from my credit report and notified me. 

( 9 ) I, therefore, repeat, I do not owe XXXX XXXX XXXX XXXX this money and demand the 2 remaining Credit Bureaus XXXX and XXXX to immediately delete this reported fraudulent activity of {$140.00}, reported by AmSher Collection Services and XXXX XXXX XXXX from my credit report XXXX 

( 10 ) I do not owe XXXX ( XXXX ) this money. It is a fraudulent activity, harassment and elderly abuse. 

I affirm that the information herein is true and accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX Phone : XXXX XXXX XXXX
Consumer complaint received 2022-01-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Hello CFPB, I have attempted to resolve issues with XXXX, XXXX and Transunion for the last 60 days now. I have not heard a single response back, nor have I had any updates on my credit profile. This has gone on for far too long and I demand for your team to force the agencies to take action. 

The dispute information is attached in each letter.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

The following accounts did not have permissible purpose to furnish any remarks on my consumer report. I did not give these debt collectors my written instructions to furnish anything on my consumer report, which is a violation of the Fair Credit Reporting Act. Furthermore, I did not make any consumer credit transactions with the listed debt collectors below. They are in violation of the Fair Credit Reporting Act and must be deleted from my consumer report immediately : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NC)

My student loans were recently transferred from XXXX XXXX to a company called Nelnet. Upon registering for this new loan service provider, I was taken to my 'account page '. Here is where my current contact info ( transferred from XXXX ), loan balances, and new monthly payment ( to start in XXXX ) were displayed. My new monthly loan payment being much higher than my last payment with absolutely no breakdown or explanation as to how Nelnet came up with this payment was the first red flag. Secondly, there is no history of previous payments on the loans that are now being carried by Nelnet. I went to the XXXX site and logged into my account there- no history of payments, communications, uploaded documents, etc were able to be found as they have been removed. This feels highly suspicious to me. Removing all documentation from the previous 5 years of payments from the XXXX site, and there being no record of transfer of that documentation to Nelnet seems, at least, unacceptable and, at most, predatory. I have reached out to both sites and have requested this be rectified or I will not be making payment on my student loans. I understand that CFPB is not at fault here, but it should be noted that this is a very sensitive time for student borrowers and actions like these do not instill confidence that student borrowers are not being taken advantage of. If you need any documentation from me, I am more than happy to provide everything I have and am willing to speak to whomever has questions for me.
Consumer complaint received 2022-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (VA)

Suntrust merged with BBT and is becoming Truist. I have been a Suntrust customer since XXXX. I had signed for the signature advantage account that required me to maintain a min balance of {$25000.00} across all my accounts without paying any fees. In XX/XX/XXXX I was forced to migrate from my suntrust app to a new Truist mobile app. A few weeks later I noticed that I could no longer see my statements. I then clicked around found a link that informed me that my account was going to be migrated to a new offering effective XX/XX/XXXX that would require me to maintain a minimum of {$50000.00} fees. I had signed an agreement with Suntrust that my account minimum balance requirements would never be changed. Instead of grandfathering my agreement I have been told by Truist employees that they have had a lot of complaints along the same vein but tough luck. Corporate has told them the rules are changed and deal with it. Banking options continue to be reduced and mergers such as these instead of offering better options for consumers seems to be designed to harass and gauge clients for more fees for less service. The Truist corporation is a disastrous next step towards additional banking oligopolies that are antithetical to a healthy financial marketplace for consumers. I truly expect that CPFB can do nothing to alleviate this. As a financially aware consumer I will eventually find options for myself but I shudder to think how many unsuspecting consumers young and old will be price gauged by Truist ( what a diabolical twist on the word altruist, ugh ). What a shameful outcome.
Consumer complaint received 2022-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I requested to be on auto pay the company said it went through later on I had a late fee due to them never processing the auto pay and i have been trying to settle this since XXXX and they have charged me late fees and interest for the last 5-6 months I have never missed a payment with them in 4 years now due to an error on their behalf my credit has went down XXXX points
Consumer complaint received 2022-01-13
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (CA)

We have made all our mortgage payments on time but suddenly lender started saying that we were 3 months behinds and asked us to make up at one time. We tried to talk with our lender and ask our lender to show which months mortgage was and were missing but no answers. At the same time, our lender has started to refuse our regular mortgage payments for more than 10 months up to today and we dont know how to deal with this. 

What do we need to do at this point? Do we need to go to court to resolve this issue? 

Thanks! 

XXXX
Consumer complaint received 2022-07-11
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXXXXXX now.with no help.
Consumer complaint received 2022-08-15
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: Comerica (OH)

My problems began in XXXX of XXXX as to I had applied for my 1st ever credit card with XXXX XXXX credit card .I shortly after due to issues in my home became XXXX  me and my wife split up, and I pretty much ended up loosing everything I ever owned.back in XXXX I managed and start the production of building Recording studio 's for various artist in the surrounding area. I managed the company and it ended up being my new home until the end of XX/XX/XXXX. 
I did not recieve any of the wages I worked for nor proof of employment and to make matters way more stressful one of the artist stole my credit card. I had been in contact with the credit card company every month, By XX/XX/XXXX they had canceled my card.i called a noted number of times to reach out to fix the matter i was lied to as well as told that they didn't have my account any more the sold it to another company in which released my information to other companies that i had never heard of. In XX/XX/XXXX I had opened a account with XXXX in the area for my business and I was still struggling but i brought my credit score from a XXXX up to a XXXX by XX/XX/XXXX i was closse to score XXXX  XXXX notified me that that a fruadulent was deposited in to my account. the banker i had then literally proceeded to humiliate me in public my account information was shared with unknown other customers the teller was presented with evidence that would have cleared me not to been involved with the matter i was made to feel like a common thief because of my XXXX, and also as a customer my rights were vilitated and and my creditibilty as a small business owner was tarnished I have loss wages do to all this and also Direct express had known about my identity be stolen ans has refues any evidence i have to provide
Consumer complaint received 2022-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (IL)

My checking account was fraudulently used XX/XX/XXXX and I immediately contacted Citibank, Citibank said they would investigate and lied about all the practices they used to conduct the investigation. Today, XX/XX/XXXX, They told me my account was fine after having it on block status for two weeks. I paid into an old savings account they told me needed to be paid for them to unblock the account, they lied again. They closed my account without giving me my funds that are currently in the account. I sat on the phone with the fraud department and spent 4 hours in the Citibank location for the personal banker to assistance me. 

They were unsuccessful, they took my money and will not return it. Nothing is old to this bank.
Consumer complaint received 2022-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response back. I feel like I'm being taken advantage of and that I'm not being taken seriously. Section XXXX ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed expeditiously. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and XXXX have got in the hands of the wrong person.
Consumer complaint received 2022-01-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (MA)

XX/XX/22 XXXX am rocket mortgage called my cell phone. I did not answer as I was at work. The number that called me was XXXX. One minute later the secretary said rocket mortgage was on the phone asking for me. My work number. I answer thinking something must be wrong. Rocket mortgage just bought my loan so I was hoping something wasnt wrong. Nope!!!!! It was a sales call. Refinance. The girl said that this was the number she was given. I was very very angry and stated that she has my info because I had to give my work number when I applied for my loan years ago. Again I was furious. Sales calls at work is absolutely out of line. I understand that this is probably not a big deal considering the complaints you get but I needed to notify someone due to the fact that I am a XXXX XXXX I work in a XXXX taking care of very sick patients and COVID patients. The hospital like most is short staffed and the stress level is beyond comprehension to someone who works from home selling loans. I am still beside myself because it is in my mortgage paperwork where I work and the girl who called me called me at work knowing it is a hospital. I know collection companies are not supposed to call people at work. I am not sure if your mortgage company to whom you are in excellent standing are supposed call you at your place of business to sell you refinance loans. Thank you. XXXX XXXX XXXX. 

Ps I have not contacted rocket mortgage for any services whatsoever. My loan was sold to them. This is the only reason they have my info.
Consumer complaint received 2022-01-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

Contact company to make a payment, and was told if I did an ACH payment it would be credited to my account 2-3 days after I authorize the payment, which I believe is a violation of law. Additionally, I was told for either an ACH or a debit card payment I would have to pay an {$8.00} fee.
Consumer complaint received 2022-08-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WV)

XX/XX/22 : Received email regarding opening of Bank of America XXXX XXXX Banking Account. I did not open this account, so I emailed their abuse department. No action taken so far. 

Just getting ahead of the curve on this.
Consumer complaint received 2022-07-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: DISCOVER BANK (OH)

I am the XXXXXXXX XXXX XXXX for my son who is currently XXXX  and someone is continuously trying to open numerous accounts in his name. He is not capable of doing this since he is in a XXXX XXXX  for over a year now. I have contacted the individual companies as the notices come in, however this needs to stop before someone gets something opened in his name.
Consumer complaint received 2022-08-02
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-01-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland credit credit management had someone drop off a packet that I'm being sued. Today I received a call from them. I feel harassed by Midland management. If they're suing me why are they still calling me? Bothering me while I'm at work.