davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-22
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (OK)

I filed a claim for unemployment benefits with the Oklahoma Employment Security Commission and it was approved in XXXX. My benefits started the week ending XX/XX/XXXX. I expected to receive a benefit card not later than the end of XXXX. On XX/XX/2020 I received an email that stated that I had been mailed a replacement card ( even though I had not requested one ). On XX/XX/XXXX, after still not receiving a card I visited the XXXX XXXX website which is the link to the " Way2Go '' card and is managed by Conduent, the payment solutions provider to the card. The forms on the unemployment website state that you can register for direct deposit without the card but every time I tried I received an error message that said my information could not be found. I called 3 times on that date and was disconnected after entering my SS and birth date. I called a 4th time and after 2 hours and 27 minutes on hold, was told that the card was mailed on XX/XX/2020 and should arrive anytime and that the website in fact does not allow direct deposit without the card. I did not receive the card and on XX/XX/XXXX I called again and after holding for over 4 hours was told again that there was nothing that they could do as the card was mailed and no tracking available. As of XX/XX/XXXX I have no card and can not access 6 weeks of unemployment payments I desperately need and have no one to contact. This is a time of desperation for my family and I am begging for someone to do something about this company.
Consumer complaint received 2019-03-13
Product: Payday loan, title loan, or personal loan — Installment loan
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: Cottonwood Financial Ltd. (TX)

Applied online for an installment loan and went to Cash Store in XXXX, TX with reference number provided. Provided my paperwork and gave my social security number. That claimed another customer has that number in their system and needed to see my social card, I did not have it with me. I came back the next business day and provided my social security card. The lady behind the counter took a copy of my card, DL, took my documents and stated she would contact me once she hears from corporate which could take until Monday for an approval. This was on a Friday. I never received a call back and was never told anything about the investigation of someone else having my social in their system.
Consumer complaint received 2024-01-02
Product: Credit 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: SYNCHRONY FINANCIAL (FL)

Made a purchase from amazon on XXXX XXXX for XXXX so one three items showed up and the foruth went missing after the driver claimed he delievered it but the delivery photo below you can see that only a case was delivered and the computer wasnt. so the other three items i have returned those items and still i have tracking and proof from the site that thye got those items but the computer even thou they claimed got delivered wasnt and their own photo proves that.They have lied to me for month and half now and told me that they wont help me and i shouldnt call them back or email even took it a step more and close my account for calling about it. i was mistreated and dragged by the company employees who literally told me go do something better with your time and hang up like this is crazy what i been through. So i disputed it with my credit card and over a month now i havent got a temporary credit or update and i have submitted even faxed proof that i am gon na upload here for you guys i really need a solution as am being charged and mistreated even bullied by this company
Consumer complaint received 2020-04-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CT)

Below is my letter to my mortgage company that I e-mail to them on XX/XX/XXXX, to which they have not replied. I have called, but the automated system continued to kick me off the line. It is impossible to reach a live person on the phone. 
Best, XXXX XXXX RE : Loan # XXXX Dear SLS, I am writing to inform you of another error in your calculations. Please see the screen shot attached for verification. On XX/XX/XXXX, my principal balance was XXXX. On XX/XX/XXXX, I made two payments. The first, was {$4500.00}, which brought my principal balance to XXXX. 

However, the second payment is not calculated correctly in my account ( see attached ). I made a {$1000.00} Payment to principal, which should have then brought my principal balance to XXXX. 

On, XX/XX/XXXX, I made another payment, of which XXXX should have been applied to the principal, which would have lowered my principal balance further to XXXX. 

Please check to see if this is correct. [ As of XX/XX/XXXX, my principal balance is listed as {$240000.00} ]. Please update our principal balance to the correct amount. 
-- -- -- -- -- In addition, also on XX/XX/XXXX, I sent the following message to SLS, for which # 6 ( see below has not been addressed ). I paid the principal down below the 80 % and should have not been charged the PMI on XX/XX/XXXX. 
Best, XXXX -- -- -- -- RE : Loan # XXXX Dear SLS, I am writing in hopes to address several errors that were made in the letter I received from SLS on XX/XX/XXXX. 

1. It was indicated that " We have not received a signed authorization to perform a valuation on the property. '' The evaluation has already been completed. It was completed in XXXX of XXXX. 

2. In the document titled " Borrower-Initiated MI Termination Evaluation Results '', this information appears to inaccurate. As the records show on my account, the principal balance on XX/XX/XXXX was paid down to {$240000.00}. As of today ( XX/XX/XXXX ) the balance is even lower {$240000.00}. 

3. Using the figure provided in # 2 ( above ), and XXXX ( the property value at origination ) x 80 % = XXXX. Therefore, MI.R001 should be a " pass ''. 

4. Using the figures provided in # 2 ( above ), and XXXX ( the property purchase price ) x 80 % = XXXX. Therefore, MI.R032 should be a " pass ''. 

5. Because of # 3 and # 4 above, MI.R037 should be a " pass '' 6. Because of items # 1-5 above, I request that the PMI be cancelled and that I am compensated the {$100.00} of the PMI that was charged on the bill that I paid on XX/XX/XXXX. 

Thank you for your time and your consideration and I look forward to your response. 

Sincerely, XXXX XXXX XXXX : XXXX
Consumer complaint received 2020-04-17
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. (IN)

XXXX XXXX XXXX XXXX/XXXX XXXX XXXX  have had authorization information on my account to do direct debit for monthly payments in the amount due. These payments have been in place for over two years to avoid a missed or late payment, and have been deducted without issue. 

On XX/XX/XXXX however, the monthly payment amount increased, but not only did XXXX XXXX not debit the correct amount, they never called me or sent mail notifications regarding the change. On XX/XX/XXXX, the issue repeated itself, without notification by them, at which point I became over 30 days due for the small difference in payment they debited in XXXX on XX/XX/XXXX, without warning - phone call or mail, I was reported to the credit agencies as delinquent. 

I attempted over a period of days to contact XXXX XXXX customs service as well as XXXX XXXX  - multiple transfers - hours on the phone - reps telling me no payments were made, myself providing bank info showing they were, reps ultimately finding them and ultimately telling me they didnt know why I was never called nor why XXXX XXXX/XXXX XXXX  failed to pull out the correct amount due - as authorized. 

These companies need to be held accountable for their business practices - their failures should be subjects to their own form of credit reporting in terms of financial harm, lost time correcting their errors, and more
Consumer complaint received 2019-01-08
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (SC)

XX/XX/XXXX I I had to fill a application for special assessment as legal residence. XX/XX/XXXX I did that and XXXX. County mailed me a check for Back Taxes paid I called Rishmore I gave them permission to draft out the check from XXXX County to pay back escrow account my check amount was XXXX confirmation # for payment is XXXX. I talked to. A person named XXXX would not give me last name told me to send this year tax assessment and they will fix the monthly payments.the tax payments were XXXX last year. and now XXXX are XXXX On XX/XX/XXXX they applied it to house payment. I called them again. And they said they had not filed it right and once more tried to put it in as a house payment. They have not fixed this problem and I keep asking for a supervisor and I get no supervisor. I have no clue what my monthly payment should be. the actual payment was XXXX and they can not give me a reason to try to. Charge me XXXX. The taxes are less they have said it's a mistake on their part. And they would expedite this Asap. I CALLED again they told me they put it in a house payment I dont have to pay till XXXX. I told them Again stop putting my escrow in the principle payment. Again I was told they would expedite it immediately .they gave me false address to mail tax bill. And gave me a name XXXX phone XXXX. If you call. XXXX 's not there. Please help me. No one in that company will update the monthly payment correctly and want to force me to pay a higher monthly payment. I can not afford a higher payment. And I even had A mortgage broker to talk on a 3 way call to explain the issues and they never corrected it and continue convey to me it's their fault.but no resolution.
Consumer complaint received 2019-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ascendium Education Group (TN)

ASCENDIUM EDUCATION / XXXX XXXX XXXX WENT ON MY XXXX AND RUINED MY SCORE FROM ''XXXX  '' TO ''XXXX '' AND THIS IS NOT ACCURATE ITS OLDER THAN 10 YEARS WAS OPEN XX/XX/2007 BY XXXX XXXX/ XXXX , IAM AM CURRENT I DONT KNOW WHY THEY KEEP DOING THIS THE OTHER 2 CREDIT BUREAUS ARE THE SAME WAY RUINING MY CREDIT I CAN NOT GET ANY LOANS WHAT SO EVER ... ... I HAVE PROOF THIS LOAD IS NOT ACCURATE AND ITS OLDER THAT 10 YEARS ... .. 

CURRENT LANDER IS ''XXXX  '' XXXX XXXX..
Consumer complaint received 2023-03-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK (ME)

On XX/XX/2023 I was automatically charged {$390.00} as part of a monthly payment. This was not the first time I was dramatically overcharged. Today, on XX/XX/2023, I made a phone call asking what I was charged, which should have been less than {$180.00}. After being informed of a second student loan filed under a different social security number that I am being charged for, the company told me that my only option was to appeal for another loan to pay off both accounts, and charge me interest. After asking which loans would be paid off they told me it would still just be the one loan listed under my proper social security number, and wouldn't do anything involving the second loan. This has been my third attempt at fixing the issue and each time I call they tell me it's resolved when it hasn't. They also tell me to log into their online website to fix my student loan issues, but when I go to their website I'm told I don't have an account with them.
Consumer complaint received 2019-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: FIRST NATIONAL BANK OF OMAHA (NC)

The First National Bank of Omaha card agreement requires me and the bank to resolve all disputes through only the XXXX XXXX XXXX ( " XXXX '' ). 

A dispute arose between me and the bank. I filed a case with XXXX. 

XXXX sent me the attached letter, declining to administer the case because First National Bank of Omaha has a history of failing to pay XXXX. 

As of today, First National Bank of Omaha continues to list arbitration through XXXX in their card agreement. Clearly, they have no intention of arbitrating when a dispute arises.
Consumer complaint received 2020-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX XXXX XXXX XXXX/XXXX XXXX XXXX  have had authorization information on my account to do direct debit for monthly payments in the amount due. These payments have been in place for over two years to avoid a missed or late payment, and have been deducted without issue. 

On XX/XX/XXXX however, the monthly payment amount increased, but not only did XXXX XXXX not debit the correct amount, they never called me or sent mail notifications regarding the change. On XX/XX/XXXX, the issue repeated itself, without notification by them, at which point I became over 30 days due for the small difference in payment they debited in XXXX on XX/XX/XXXX, without warning - phone call or mail, I was reported to the credit agencies as delinquent. 

I attempted over a period of days to contact XXXX XXXX customs service as well as XXXX XXXX  - multiple transfers - hours on the phone - reps telling me no payments were made, myself providing bank info showing they were, reps ultimately finding them and ultimately telling me they didnt know why I was never called nor why XXXX XXXX/XXXX XXXX  failed to pull out the correct amount due - as authorized. 

These companies need to be held accountable for their business practices - their failures should be subjects to their own form of credit reporting in terms of financial harm, lost time correcting their errors, and more
Consumer complaint received 2024-01-02
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. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-01-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken (CA)

FORMALLY REQUESTED ASSISTANCE TWICE. TO DATE, I HAVE NOT RECIEVED ANY ASSISTANCE WHATSOEVER. 

- I joined XXXX on XX/XX/2023 and immediately deposited XXXX USD. 
- A few days later I received an email from customer support stating that they would be closing my account for an undisclosed reason and that I would need to withdraw my funds. 
- My funds were withdrawn on XX/XX/XXXX. Shortly thereafter I received a conformation email from XXXX. XXXX 's website states that it takes XXXX days for funds to be transferred to my bank. 
- The funds have not appeared in my bank account. I've contacted the bank multiple times and verified that they have no records. 
- My account has been suspended and therefore I am unable to file complaint. 

I HAVE SUBMITTED MULTIPLE EMAILS TO XXXX WITH XXXX RESPONSE. CHAT REQUESTS ARE UNANSWERED. WHEN I ATTEMPT TO CALL, AFTER WAITING FOR HOURS, MY CALLS ARE DROPPED.
Consumer complaint received 2024-01-02
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. (NC)

XXXX has caused me to suffer harm by invasion of consumer privacy harm to my reputation and physically and economic by listing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I didn't authorize and I don't consent to my sensitive information to be shared with out permissible purpose
Consumer complaint received 2024-01-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (TX)

This debt was charged off on XX/XX/2023 there have not been a 1099c sent to me for this debt if its charged off. That is tax fraud and identity theft. Under law this income should have been reported on a 1099c and I have not received it in the mail. You are liable to pay a penalty if that has not been sent. This debt should not be reporting on the 3 credit agencies.
Consumer complaint received 2020-04-22
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. (GA)

XXXX true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity Please block this information from report XXXX Report Number : XXXX Account Name : XXXX XXXX XXXX. Account Number XXXX Date Opened XX/XX/XXXX Account Number : XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX : XXXX Account Name : XXXX XXXX XXXX account number # XXXX dated open XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX XX/XX/XXXX Transunion XXXX XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Account Number XXXX Date Opened XX/XX/XXXX Account Name : I XXXX XXXX XXXX  ACCOUNT NUMBER # XXXX DATED XX/XX/XXXX Account Name : XXXX XXXX  XXXX ACCOUNT NUMBER # XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX Account XXXX XXXX XXXX  XXXX XX/XX/XXXX also address listed on my report ive never lived at XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX COMPLEX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX COMPLEX XXXX XXXX XXXX XXXX, GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX , GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX COMPLEX XXXX XXXX XXXX XXXX, GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX, GA XXXX  FAMILY XXXX XXXX XXXX XXXX XXXX, GA XXXX COMPLEX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX COMPLEX XXXX XXXX XXXX XXXX, GA XXXX  FAMILY XXXX XXXX XXXX XXXX XXXX , GA XXXXXXXXMULTIFAMILY ive been attempting to clear my credit report of these fraudulent items as far back of XXXX and have not successful
Consumer complaint received 2019-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Last year on XX/XX/XXXX, I booked a cruise for my family for this year XX/XX/XXXX - XX/XX/XXXX, using my Bank of America Master Card. 
In XXXX, I contacted the travel company to confirm my dates, but they had sold out and the new company decided to charge us after a couple of drawn out phone conversations and additional {$1600.00}. As a result, I canceled the trip and was told that a refund will be sent. After two months and not getting the refund, going back and forth with the travel company, they finally told me that I should contact my bank and ask because it was sent as agreed. Back and forth between me calling the bank, the merchant and the travel company, finally I decided to open a dispute. The funds were finally in on XX/XX/XXXX. Seeing this and knowing I had paid off my balance on the credit card in XXXX and brought my balance to {$0.00}. I decided to move my credit balance ( my money ), to my savings account - which I did on Saturday morning via online transfer. 
On Monday I noticed I had a fee of {$99.00}, representing 5 % fee on cash advance. I called the bank and reminded them that it was not a cash advance but funds that were my credit balance that I moved and so they should see that the fee is removed. Going back and forth between the associate and her supervisor, they finally concluded that I can not be refunded the {$99.00} that I have to pay the fee for moving the money - that I should have called them to move it rather than move it myself because it triggers a 5 % fee and I agreed to the fee. 
I noted before hanging up that the money was not the banks, and since it was not a cash advance on my credit card, I think it is unjust to ask me to pay a fee on my money. 
I know it is not a lot of money in the eyes of the bank, but it is a lot to me. 
I would like you to assist me in resolving this issue. 

Thank you, XXXX XXXX
Consumer complaint received 2024-01-02
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. (NJ)

XXXX  rights have been violated I did not give XXXX  instructions for these accounts to be place on XXXX XXXX report REMOVE IMMEDIATELY THIS IS A Violation ALSO. THESE ACCOUNTS ARE Reporting on XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Procedure in case of disputed XXXX  ( XXXX ) TREATMENT OF XXXX  OR UNVERIFIABLE INFORMATION ( A ) In general If, after XXXX  reinvestigation under paragraph ( XXXX ) of XXXX  information disputed by a consumer, an item of the information is found to be XXXX  or incomplete or can not be verified, the consumer reporting XXXX  shall ( i promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports XXXX XXXX XXXX In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a XXXX grand jury, or a subpoena issued in accordance with section XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the written instructions of the consumer to whom it relates.