davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

In XX/XX/XXXX, I checked my credit to get a PPP loan for my XXXX XXXX because of Covid 19 and how it was affecting my finances. I had a {$100.00} negative USAA Credit Card balance that was listed as a charge off. So, I contacted USAA and they would not provide information. I followed up in XXXX, XXXX, XXXX, XXXX, and XXXX and escalated the situation because I just wanted it settled and off my credit report. I also filed disputes between XX/XX/XXXX and XX/XX/XXXX with the Credit Bureaus. The short story is USAA charged me {$100.00} of junk fees in XXXX and/or incorrectly charged fees and incorrect finance charges. I had much difficulty getting them to respond in writing so I began writing letters and emails ( see attachments ) with questions ; USAA answered NONE of my questions in writing and I paid them {$100.00} twice in XX/XX/XXXX in hopes of settling and making this bad mark go away on my credit report. After discussing this with an attorney, we researched and found XXXX. We think some of the rulings made in this case apply to our time period and apply to our USAA experiences from XXXX to XXXX. Last week on XX/XX/XXXX, I received a check from USAA for {$12.00} that " represents a refund for incorrectly charged fees and finance charges. This {$12.00} check from USAA to me proves that I did not owe them {$100.00} ; It also is evidence that their system knows they deceived me. We have other evidence that proves that they have had a negative impact on my credit scores from XXXX until today, XX/XX/XXXX. This has had a very negative impact on my ability to borrow money and get the credit I needed from XX/XX/XXXX until today. And, USAA played games with my credit and multiple changes with XXXX, XXXX, and XXXX  ; So, USAA made inappropriate changes with the credit bureaus that I have tracked over the last 9 months. After reading XXXX, it is very obvious that I am a victim of their deceptions, illegal, and law breaking banking practices. Also, I filed multiple disputes with XXXX, XXXX, and XXXX. USAA lied and committed fraud and corruption with their responses to the disputes. USAA had systems and processes in place and they knew that I fit the XXXX and they did not notify me nor give me notice that they incorrectly charged me fees and finance charges of {$100.00} thus causing a SNOWBALL effect of irrepairable damages and harm to me, my credit scores, and my finances from XXXX to XXXX. In addition to the aforementioned, I went through identity theft in XXXX and XXXX. I had a cash balance in my USAA account and I had a CD. USAA never paid me back on my CD or my cash that I had in my USAA account. I chalked it up to the identity theft. But, looking back, and reading XXXX, they violated other sections of that settlement. I've succeeded in a rebound and overcome those issues despite USAA and their illegal, deceptive practices.
Consumer complaint received 2022-04-19
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. (MD)

In accordance with the Fair Credit Reporting Act US Postal Service XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX 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 2022-04-19
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. (WA)

I am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 35 days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is good standing account. Please verify that all information is XXXX percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section XXXX which requires all reporting to be 100 % accurate. XXXX XXXX XXXX Opened : XX/XX/2006 Balance : {$350000.00}.
Consumer complaint received 2021-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

Mr Cooper, the mortgage company servicing my mortgage loan has reported " 1missed payment '' to my credit history which is absolutely incorrect. My monthly payments are always made on time. I have been making my mortgage payments through the same bank for years, and all the records are there confirming the validity of my complaint. I have spoken to numerous agents at Mr Cooper to no avail. My last call was with XXXX XXXX on XX/XX/2020 who said someone would try to resolve the issue.
Consumer complaint received 2022-07-14
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. (MD)

I recently checked my updated personal credit report and I noticed unauthorized inquiries still remain on my personal credit report I contacted these companies and asked them to remove their inquiries from my credit profile. Below are list of unauthorized inquiries : XXXX XXXX XX/XX/2022 ; XXXXXXXX XXXX XX/XX/2022.
Consumer complaint received 2021-01-25
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: Experian Information Solutions Inc. (FL)

I sent certified letters to Experian stating there was inquiries on my acct that I had no idea of they got back with me stating I had to contact the company myself so that its taken care of.
Consumer complaint received 2022-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX, Has Fail To Remove An Fraudulently Reporting Account ( XXXX XXXX XXXX 
FTC Report Was Provided, XXXX Stated Report + Police Report Was Misrepresented. 
Contact Creditor To Advise Of Fraud Account And They Stated To Contact Credit Bureau. 

XXXX, Has Also Fail To Update Report For Fraudulently Reporting Account ( XXXX XXXX  ) As Of XXXX But Fraud Team Stated Request Was Update For Removal Last XX/XX/2022. 

XXXX, Transunion, XXXX Has ALL Fail To Report Accuracies Of XXXX XXXX XXXX. 
XXXX, Transunion Reporting 30 Day Marking XXXX XXXX  - Payment Status Shows Payment Made Deferment/Extension Was Granted On Account Prior ; Supposedly 2 Extension That Cover Prior Month, So Payment Was Applied In Due Time. After Dispute + Documentation Was Provided. 

XXXX, Has Fail To Update Creditor ( XXXX XXXX  ) Account Reporting After Dispute XXXX XXXX, Deleted XX/XX/2022, Added XX/XX/2022. XXXX Pmt Is NOT Due To Report Past Due Yet. Possible System Auto Error.
Consumer complaint received 2019-10-28
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Thrivepoint Financial Holdings, Inc. (FL)

LENDER : Renovate America ( HERO PACE product ) PROPERTY ADDRESS : XXXX XXXX XXXX XXXX, XXXX, FL XXXX LOAD IDs : APN : XXXX HERO ID ( s ) : XXXX I paid my account in full ( {$21000.00} ) by wire transfer on XX/XX/2019 per the instructions that Renovate America ( RA ) provided to me on XX/XX/2019. 

Following payment of the account, I did not receive any acknowledgement or any other communications from RA until XX/XX/2019. On XX/XX/XXXX, I received a Payment Confirmation Letter ( PCL ). 

On XX/XX/2019, I acknowledged receipt of the PCL, and informed RA that the lien on the property had still not be released, by replying to the email that it had been sent from. 

On XX/XX/2019, I sent a follow-up email to the same address requesting information of the Release of Lien ( Release ). 

Between XX/XX/XXXX, and XX/XX/2019, I made multiple calls to RA to request that the Release be recorded. On the initial calls, RA assured me that the Release would be recorded shortly ( in a matter of days ). On subsequent calls, RA informed me that RA does not presently have the competency to the record the Release, but that RA is working on it.
Consumer complaint received 2022-04-19
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. (FL)

I wrote dispute letters and sent in my FTC identity report to XXXX because I strongly believe the accounts I disputed is subject to identity theft. I was told by one of their customer service representatives that they do not investigate disputed items. The representative informed me that all dispute letters sent in will only be verified through mailing addresses only and if it comes back with my address on it then they will do nothing and it will remain in collections for 7 years. My dispute process also took longer than 45 days.
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I believe that Equifax is improperly report my credit score inaccurately. I believe the information provided to them about my inquires has damaged my rating being that my history is fairly new. Other bureaus are reporting higher than scores.
Consumer complaint received 2019-10-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

I called USAA today XX/XX/XXXX because someone emailed me and said my account was closed. I get XXXX income on the first of the month so it was no time for me to change my direct posit they told me thats not their problem and that my account was close on the XXXX I never got a letter saying that my account was closed or anything like that Ive had that been for a very long time they know that I get direct apposite but yet they close it over {$29.00}. And then I told the lady that I cant be late with my bills she told me oh well maybe theyll see you the check and 20 days and I was like that wont work how am I going to feed my family. She said well send it in 20 days
Consumer complaint received 2021-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Massachusetts Educational Financing Authority (OR)

I have student loans with XXXX, I refinanced them through MEFA in XXXX of 2020. MEFA never paid off XXXX. Now MEFA/XXXX  are demanding payment and charging me interest for student loans they never paid off. They did not pay off the loans that I was refinancing. My student loans instantly went from XXXX to XXXX and are being reported on my credit report. 

This is 100 % fraud on MEFA/XXXX. They refused to work with me and are now demanding payment for loans that are invalid since they did not payoff the loan that was being refinanced. 

I contacted MEFA at XXXX multiple times about this and they say there is nothing I can do and I am responsible for paying them. 

So now, after attempting to refinance I am still responsible for paying the original loans to XXXX while MEFA is also demanding payment. I am also accruing interest now on invalid student loans and is about to be marked as delinquent to an invalid loan which is theft.
Consumer complaint received 2021-03-25
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: Prosper Marketplace, Inc. (UT)

I recently received an email from Prosper about a loan? I was very confused as I have never heard of Prosper and they sent an email stating I applied for a loan but was denied. I never went through a process or asked for any loan through them. I'm not sure why that popped up but they must remove the inquiry from my credit. I never applied for a loan and quite honestly, I'm very concerned that they received any personal information.
Consumer complaint received 2019-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

Fifth Third Bank dropped my credit score by 80 points ( from " very good '' to " good '' ) over {$3.00} in trailing interest they added to my credit card after I paid it off. At no point did I receive an email, phone call or text message letting me know the amount was due - despite my account information being current and my having signed up for text messages. 

It doesn't seem fair that my credit score has been impacted over such an insignificant amount in the manner that usually happens to people who fail to pay mortgages or default on car loans totaling thousands of dollars. I'll note that Fifth Third didn't report the amount of the default to at least one agency, so the mark on my credit is the same as someone who had missed, say, a {$2000.00} mortgage payment. 

I reached out to customer service on several occasions and was told " there's nothing they can do. '' An 80 point credit score drop seems out of proportion over my failing to pay {$3.00} I was unaware I owed ( and which, for the record, I paid immediately upon learning it was due. )
Consumer complaint received 2022-07-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2021-11-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MI)

My escrow is always short, I can understand when my taxes and home insurance goes up which would cause my escrow to go up as well as my monthly payment but my taxes and insurance didn't go up and my mortgage payment went up to {$1100.00} to {$1200.00}. My escrow is short XXXX. Please help with this issue and I understand the mortgage company is under a class action lawsuit for stealing money out of customer 's account and escrow shortages.
Consumer complaint received 2021-08-09
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. (TX)

I reached out to Transunion on XX/XX/2021, and requested that they remove the inquiries on my account because they are violating a United States Code. Upon speaking to multiple representatives, I was told that they are unable to remove those inquiries. The reasons I was given is their need to contact the " original creditor '' in order to validate the inquiry. I informed the last representative that Transunion was in violation of a United States Code and was told that I needed to contact the individual companies to request removal. 

XXXX is in violation of the following United States Code : Title 15 USC 1681b - Permissible purpose of consumer reports
Consumer complaint received 2021-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

TODAYS DATE : XX/XX/XXXX PORTFOLIO XXXX-XXXX  PORTFOLIO RECOV ASSOC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PORTFOLIO XXXX-XXXX  PORTFOLIO RECOV ASSOC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates , XXXX Telephone XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2021-08-20
Product: Credit card or prepaid 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: Bread Financial Holdings, Inc. (CA)

I made a purchase from Wayfair on their card which was then rolled over or transferred to/ taken over by Comenity Bank . I returned the item to Wayfair, as instructed, and I have confirmation from Wayfair of the return. Comenity Bank has repeatedly refused to issue the credit to my credit card. I have written numerous letters and made several, several phone calls. At one point Comenity issued a " provisional credit '' and in the same billing cycle reversed that credit ( XX/XX/2020 ). So I wrote more letters. On my statement for XX/XX/2020 the " provisional credit '', from XX/XX/2020 was entered again. That is very confusing and I do not want a " Provisional credit ''. I should simply receive a credit for the item I returned. A " provisional credit '', which could be reversed again, concerns me as it was reversed once before. Once the balance on that account was no more than the credit I expected to receive I stopped making payments on the account so as not to end up with a credit Comenity Bank would owe to me and I suspect I would never receive. Since that time Comenity Bank has charged me a {$40.00} late fee each month. I have written to several people I located online that appear to be a CEO or President, I have gotten no answers other than form letters. This situation is affecting my credit. I do not want to give Comenity Bank any more money than that I legitimately owe to them.
Consumer complaint received 2022-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANCO POPULAR DE PUERTO RICO (NC)

Week of XX/XX/2021, I called almost every day to check on the receipt of a {$80.00} bank certified check for payment. I called several times and each time I was told that the check had not been received by the bank. It was not until XX/XX/2021, that a representative with the bank explained to me that the check had been received on XX/XX/2021. I then asked for a supervisor to call me regarding 4-5 other representatives stating that the payment had NOT been received. As I attempted to place a stop payment on the check, that is when the bank admitted that the payment had been received. Since then I have called 4/5 times requesting a supervisor to call me regarding the wrong information that had been given to me for several days by several different representatives. To this day, no one has called me back. Each time I am told a superior is not available and that someone would call be back in 24 hours or 48 hours. No call whatsoever. I will be sending my payments and do not want to be given wrong information and having to go to my bank to verity receipt of the payment via USPS. the employees there appear to be very nonchalant and need serious retraining.
Consumer complaint received 2021-07-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I XXXX money to my sister on XX/XX/2021 through my Capital One Bank account and it was sent to someone else. Capital One denied the claim saying that they spoke to XXXX XXXX and that XXXX XXXX verified that the phone number was active when the transaction took place and placed in this persons account. Two people can not have the same phone number and the number I sent the money to was my sister 's phone number. I called Capital One back and the rep said it has been escalated and she told me to call XXXX XXXX. I informed her I already did that and that XXXX XXXX is not going to provide any information to me. I also called XXXX when this whole thing started and they directed me back to my bank and said there's nothing they can do.
Consumer complaint received 2021-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BBVA FINANCIAL CORPORATION (FL)

I signed up for a BBVA XXXX Credit card in XX/XX/2020 because of a promotion they had. If a person spent {$4000.00} in 90 days or less, they would receive XXXX points. I met my spending but was only awarded XXXX points. I confirmed with my banker that I met the terms of the offer and he confirmed by email. But so far the bank has not awarded the advertised points. I'm attaching the terms.