davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-09
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. (MI)

Asked XXXX XXXX with a goodwill letter cab they help with 2 late payments with me having a illness causing me to be late then later covid put me out of work. No reply to emails
Consumer complaint received 2021-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Berlin-Wheeler, Inc. (Kansas) (FL)

Good Day At and/or around XX/XX/XXXX I noticed a new collection was added to my credit report by a debt collector whom I have never heard of or did any business with so I sent a validation letter to all three of the credit reporting agencies ( XXXX XXXX, and XXXX ) and also to the debt collection agency Berlin Wheeler Inc-K asking them to send me verification that this debt actually belongs to me. During this period of time this debt collection agency continued to flag my credit report continuously with this debt {$390.00} and then on several occasions the would updated the balance to {$390.00} further lowering my credit score and imposing bad activity! I have not to this day XX/XX/XXXX received a response to my letters from either agency they have only updated and flagged my credit report and I feel this bogus account should be deleted from all three credit reporting agencies immediately and all collection attempts be stopped! After doing my own research I also found that Berlin Wheeler Inc-K is not licensed in the State of Florida to collect a debt from myself or anyone in the State Of Florida! 
It states I opened a account with them in XX/XX/XXXX which is not true! 
the agency in question is Berlin Wheeler Inc-K XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have contacted the 3 credit bureaus to correct the balances reported into my credit reports to two credit cards. I have also contact XXXX XXXX  regarding the incorrect balances reported in my credit report. XXXX XXXX  account representative has advised me that I have a {$0.00} balance in both accounts, and they have sent the information to the 3 credit bureaus and that I need to contact them if they haven't updated the information from the end. XXXX XXXX  as advise me that has sent the updated information in couple of occasion. I called the 3 credit bureaus and they had completed the investigation and they come up with the balances are correct. I requested for what type of verification they used to proof the balance is corrected and they can provide me with that information. This account has {$0.00} balance back since 2021. The credit bureaus and XXXX XXXX  has me back and forth and no resolution has been made to my credit report. Please help me to resolve this situation. This should be an easy fix. I do not want to go to a legal process when XXXX XXXX  states that I have a {$0.00} balance in the following accounts : XXXX  XXXX  balance on 3 credit Reports {$1000.00} XXXX XXXX balance on 3 credit reports {$1100.00}
Consumer complaint received 2019-04-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

US Bank was running a branch promotion for {$200.00} based on opening a new checking account. The {$200.00} would be dispersed in increments of {$50.00} each month based on the requirement of spending {$50.00} with my debit card each month. I met those terms for all four months but was only paid for the first three. My spending on month four was done at the end of the month, but due to a delay caused by US Bank, the charge did not post on their end until the following month. The terms specify debit card use must take place during the qualifying month, but does not specify that the charge must post, on their end within that month. Therefore, I met the terms as were advertised though US Bank has refused to pay out the remaining {$50.00}.

***This is a follow up complaint to a recently closed complaint, since US Bank was disingenuous in their response and provided false information. 

US Bank identifies only {$20.00} in debit card use for the month of XX/XX/XXXX 2018, and they provide a statement with debit card use and posting dates that differ from what is true and shown on my online banking. I will now provide a screen shot of a {$30.00} debit card use made on XX/XX/XXXX towards an XXXX purchase. This screenshot shows I met the requirements for a {$50.00} bonus for {$50.00} in debit purchases made in the month of XX/XX/XXXX. It further shows there was a delay in the posting of said purchases that US Bank is basing their denial of bonus payout on. 

I made US Bank customer services reps aware of these qualifying purchases on several follow up phone calls. 

Their furnishing of a bank statement, to the CFPB, that is misleading in omitting the actual date of my debit card use, and their using this misleading statement to make false statements is indicative of a purposeful attempt to not fulfill the terms and conditions they advertised.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Block, Inc. (OH)

My complaint involves not receiving a referral bonus using the CashApp service, however, after encountering the referral bonus not being credited as promised to my CashApp account, Ive come to believe the whole referral bonus offer from CashApp is a scam designed to dupe customers into inviting new people to join CashApp and use its service. I chose to refer my husband when he needed to send some money to a friend, and we figured we may as well get the {$15.00} referral bonus for him signing up. ( ( his info : XXXX XXXX XXXX ) ) I will include screenshots of their instructions for claiming the bonus, which I followed, and which he also followed. The very second that he claimed the referral and the bonus should have been paid we both started running into issues using the app on our respective phones. The app forced my husband into creating a second CashApp account after he sent the required payment for receiving his {$5.00} portion of the referral bonus. I later discovered this was likely on purpose so that this could be the stated reason for them to refuse to pay the bonus. 
I have screenshots of his interaction with their chat support, plus screenshots from the actions necessary to qualify for the referral bonus. At this point I am less concerned about receiving the {$15.00} bonus for me and {$5.00} bonus promised to him and am more concerned with how they are conducting their business and purposefully tricking people into believing they can receive any bonus for referring new customers. It is a fraudulent offer, at best, in my opinion. 
I can certainly provide more detailed information if necessary, please let me know if I can provide anything else you may need. Thank you for your time and assistance. ( The screenshots provided are from my husbands account as I have been locked out of my own CashApp account since complaining. )
Consumer complaint received 2019-08-27
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have tried numerous times to create and online account to be able to make my payments easier and they will not allow me. I have tried calling numerous times and still they will not allow me. I have called them and last time verified all my information and still they said it wasnt me and would not allow me to speak about anything on the account, were very rude toned etc toward me. With my hours at work its hard to have to call and pay and now they wont even allow me to use an automated system to pay.
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-08-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

XXXX XXXX XXXX WANT ME TO PAY FOR {$3500.00}. I HAVE PROOF THAT THIS AMOUNT IS WRONG AND THEY ADD ILLEGAL CHARGES. BASE ON EVIDENCE SENT TO ME BY SPRINGLEAF. ON XX/XX/2013 I MAKE MY LAST PAYMENT OF {$390.00} AND MY BALANCE AS XX/XX/2013 WAS {$2500.00}. SEE EVIDENCE ATTACH. THE LOAN CONTRACT STATE THAT IN CASE OF LATE PAYMENT ( AFTER 10 DAYS ) A {$10.00} WILL BE CHARGE. PLEASE SEE EVIDENCE ATTACH. IF I MISS 6 PAYMENT BEFORE CHARGE OFF THE AMOUNT CHARGE SHOULD BE {$60.00} ( {$10.00} + $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX {$60.00} PLUS {$40.00} PAID TO A LAWYER BASE ON THE EVIDENCE THEY SEND TO ME THAT COMES TO A TOTAL OF {$100.00}. NOW {$2500.00} + {$100.00} = {$2600.00} NOT XXXX. IF XXXX XXXX XXXX AND SPRINGLEAF HAVE ANY OTHER PROOF TO ADD THE OTHER CHARGES UNDER THE CONTRACT PLEASE I NEED TO KNOW IN CASE I HAVE TO SEEK LEGAL ADVICE.
Consumer complaint received 2020-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

My dad does his banking with USAA. He is a XXXX era veteran and is not tech savvy. He likes to use the voice line service to hear account balances and check transactions. He was able to use this service up until XX/XX/XXXX. 

I help him with his online banking. I logged in and tried to enable the Quick Access for Voiceline, and was unsuccessful. 

My dad is in another state, so I initiated a 3 way call to USAA to try to fix the problem. 
Call was placed on XX/XX/XXXX and we spoke with XXXX - who authenticated my dad and got his permission to talk to me, and have me on the call. XXXX tried his best to help, but kept hitting road blocks. XXXX called the " security team '' and told us due to a fraud flag being on the account, my dad couldn't use the Quick Access for Voiceline. My dad asked why is the fraud flag there, and what can be done to remove it. After some checking, we were told an ACH charge was disputed in XXXX for {$24.00}, and that's why the account was figged. 

My dad wanted to talk to a supervisor or the security team and was told there was nothing that can be done. XXXX eventually transferred us to a senior representative named XXXX. XXXX tried to help, but wasn't sure why my dad couldn't use the Quick Access Voiceline, and explained she'd have to call the security team. 

By this point we have been on the call with USAA for over an hour. My parents are currently residing with my sister and her husband in another state. My brother in law had tried to help before my dad called me, and was unsuccessful after 30+ minutes on the phone with USAA . We have now spent over 90 minutes with no success, resolution, or answers.

My dad was so frustrated and stated he wants to remove funds from USAA. Although this can be done, it will take time since his military retirement and both parents ' SS checks are direct deposited into USAA. 

No one could explain why my dad was was able to call in and enter a 4 digit pin prior to XX/XX/XXXX and obtain his balances, but now it couldn't be enabled. 

My dad just called me today, XX/XX/XXXX and said he is blocked from checking his account online - with the help of my sister and brother in law. When they try to log in they get this message : For security reasons, your access to usaa.com is currently restricted. Call XXXX ( XXXX XXXX for assistance ( XXXX ) I called USAA again today, and asked if there was a department that handled customer complaints because we had been told there was nothing that could be done. I was told if we had asked to speak to the president of USAA, they would've routed us. I told him that we did not know the process or were told if we wanted to speak to the president of USAA. 

My dad is frustrated and feels like he's being harassed when all he wants is to call and get his account balances, like he's been able to do in the past.
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2022-07-28
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. (NY)

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 XXXXtransunion has me at a score around XXXX. 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 XXXX 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 XXXX now.with no help.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Currently an AU on a capital one card. I dont know whose card it is. Only have the last four of the acct ending in XXXX which was found by disputing it with XXXX. No card I have has a limit that high. I would like to be removed as an AU, but Im unable to provide any information to capital one to do so.
Consumer complaint received 2019-08-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (FL)

-New Complaint Process Relating to Response-SN Servicing Corporation- The steps the corporation has taken or are taking moving forward to address complaint, XXXX : It appears that SN Servicing Corporation has and or will be taking to address this complaint thus for has been discouraging, unprofessional, and illegal. 
Therefore, I am submitting another complaint currently. Since XX/XX/2019 when the first complaint was submitted to XX/XX/2019, I have received treating and suspicious phone calls and voicemails to my mobile device, main number and my XXXX recorded line, which I only gave to the Asset Manager of the loan. I have received suspicious mailings to my home address. Also shockingly a few mailings from SN Servicing Corporation ; with incorrect documentations concerning the load, unofficial letters of the companys foreclosure specialist, escalation of monthly statements ( monthly statements received only a week apart ), with incorrect transactions printed, and a returned monthly payment which should have been posted to the loan for XX/XX/2019. 
I will submit supporting document for this complaint this week. 
On each letter it states that should I have any questions call the Asset Manager assigned to the account. The last phone contact I had with the Asset Manager was unproductive a few times the individual was communicating in a yelling tone. I was told we could not discuss anything further unless we discuss including the XX/XX/2019 payment to be made to SN Servicing Corporation. This home servicing corporation did have access to the loan until late XX/XX/2019. XX/XX/2019, I received the documented time of transfer which is XX/XX/2019. 
I received an account number on XX/XX/2019 and was told over the phone for a SNSC customer service department that I would not be penalized for a late payment at this time and that SN Servicing Corporation must secure the complete file from the previous mortgage servicer and an account number had to be applied to the account
Consumer complaint received 2019-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I submitted a payment on XX/XX/XXXX from my Huntington bank account, later Huntington charged me monthly fee. The monthly fee was the reason the balance of the account went below XXXX. 

I opted out from overdraft, but was still charged a {$23.00} over drafting fee for that. Also, despite the fact that the payment was made prior to the monthly fee being, the payment was withdrawn by Huntington. 

I closed my Huntington bank account on XX/XX/XXXX given this is the worst banking experience I have ever had, only to find that I was charged a {$5.00} fee for closing the account, which is ridiculous. 

Also, when I opened the account in XXXX, I clearly told the bankers I do NOT want to purchase additional checks. However a transaction was made without notifying me to purchase checks. I also received A LOT of spam calls stating themselves got my information from Huntington, trying to sell me insurance I clearly told the bankers I do not need.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (CA)

XXXX XXXX You have no lawful authority to furnish my non-public personal information in regards to XXXX. I am writing to submit a complaint against Navy Federal Credit Union for their failure to comply with my request to opt-out of the disclosure of my non-public personal information, as required by 15 USC 6802 and 16 CFR 313. 

On XX/XX/year>, I submitted a written request to Navy Federal Credit Union to opt-out of the disclosure of my non-public personal information to third parties. However, despite my clear request, Navy Federal Credit Union has willfully failed to comply, demonstrating negligence and disregard for my privacy rights. 

Specifically, Navy Federal Credit Union has continued to disclose my non-public personal information to third parties, in violation of my opt-out request. This is a clear violation of 15 USC 6802 and 16 CFR 313, which requires financial institutions to provide consumers with the ability to opt-out of the disclosure of their non-public personal information. 

I demand that the Consumer Financial Protection Bureau take immediate action to : XXXX. XXXX Navy Federal Credit Union to comply with my opt-out request and cease disclosing my non-public personal information to third parties. 
XXXX. XXXX an investigation into Navy Federal Credit Union 's practices and procedures to ensure compliance with 15 USC 6802 and 16 CFR 313. 
XXXX. Impose appropriate penalties and sanctions for Navy Federal Credit Union 's willful failure to comply with my opt-out request. 

I have attached a copy of my opt-out request and supporting documentation to this complaint. I appreciate your prompt attention to this matter, and I look forward to a swift resolution. 

Also, I have tried numerous of times to get my current address XXXX XXXX XXXXXXXX XXXX, CA XXXX and XXXX XXXX Customer Service XXXX refuse to update my information. I have been locked out of getting into my online account because I have not been provided with my current account identification and when I try to chage my account the old information is still connected which was XXXX XXXX XXXX XXXX Ca XXXX and XXXX. That information is no longer affiliated with me. My contact is XXXX. Every time I call in instead of my calls going to customer service it goes straight to the collection department which they continue to try to collect on an allege debt. My last call was to get a debit card and the representative I spoke with was extremely rude and I had to disconnect the call. They did send my debit card but I was unable to log into my online service account. Any attempt to collect a debt in the future must be done under penalty of perjury from the CEO or CFO due to the fraud XXXX XXXX employees continue to allege.
Consumer complaint received 2022-03-11
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: Experian Information Solutions Inc. (PA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!