davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

Hello. Yet again USAA is trying to charge me XXXX from my stolen debit card by stating they had my personal information. They stole my license and my fidelity card and my health insurance card while in XXXX Florida. XXXX caught the first transaction immediately. They saw it was fraud. USAA let them charge close to XXXX with out a word. They are saying it was me die to them having my information. First off they had my licenses and other items listed above. Second I am the only XXXX XXXX in the XXXX. They could find plenty of information even online. USAA is stating I need additional documentation. Yet dont accept fidelity information whom caught the first XXXX charge. There are no police reports now per Florida as there were no police reports for the employment scam which they are now saying numeric was used. Well if course as if you look at those notes I was hired as a personal assistant conducted interviews and received an offer letter. I called Usaas the ensure the checks that were sent by Aka employer and they send they had gone through on both ends. So I used the moneys to perform duties. Yet now the stolen debit cards. XXXX protect and USAA let them charge close to XXXX without a warning. Now I nee to provide other information. Per their rules I am to call immediately and report a stolen card which I did. I followed the rules. I called XXXX and everything was resolved immediately. USAA has yet again put me in a position where I cant access any moment with a negative balance of close to XXXX. Enough is enough. The card was stolen and I have rights. Please assist.
Consumer complaint received 2023-09-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY (NV)

I lost my home back in XXXX  to the mortgage fiasco of Wells Fargo. Wells Fargo claimed that they allocated my payments incorrectly. My home was foreclosed. I was evicted from my home for not making my mortgage payments, which I did every month. Not sure if I could be part of the cases against Wells Fargo. I do know the foreclosure was not legal and i am entitled to compensation.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

Your website is " broken '' and refuses to allow me to submit a personal statement! I am almost certain that this is done on purpose in order to hinder me from exposing corruption at Experian! They want me to send it in via postal mail as along with a ton of documentation. I'm not doing it! You motherfuckers are broke and owe me money! Not the other way around! I'm not jumping through your hoops! 

Here is the personal statement and attached is the screenshot! Update the file with it! It is XXXX characters. 

" I HAVE NEVER MADE A SINGLE LATE PAYMENT ON ANY DEBT I HAVE OWED ANYONE EVER! THE US GOVERNMENT IS COMMITTING FRAUD AND DEFAULTED ON ME NEARLY A YEAR AGO AND IS REFUSING TO RELEASE MY COLLATERAL! I AM THE CREDITOR, AND YOU ( ALL REGULATED BANKS, BROKERS, INSURANCE COMPANIES AND EVERYONE WHO HAS PREVIOUSLY EXTENDED CREDIT TO ME ) ARE NOW ALL IN DEBT TO ME! I WANT MY BITCOIN RETURNED IMMEDIATELY! THE SPOT PRICE IS FRAUDULENT AND THE BANKRUPTCIES ARE FRAUD! XXXX XXXX NEEDS TO BE IMMEDIATELY ARRESTED AND THE SEC NEEDS TO BE SUBPOENAED BY CONGRESS TO EXPOSE THE EXTENT TO WHICH IT WAS WORKING WITH XXXX TO DEFRAUD CREDITORS. I HAVE A MOUNTAIN OF EVIDENCE OF CRIMINAL WRONGDOING! " XXXX '' AT XXXX, NEEDS TO BE ARRESTED AS WELL. SEE YOU AT TRIAL XXXX! I AM NOT PAYING ANYONE UNTIL THIS IS RESOLVED! I AM SUFFERING AN ESTIMATED XXXX XXXX DOLLARS IN DAMAGES PER WEEK! I HAVE INCLUDED ONE SCREENSHOT OF ONE CONTRACT TO ESTABLISH STANDING AND FOR THE FBI TO BEGIN UNRAVELINGTHIS.IHAVEALOTMORE! ''
Consumer complaint received 2023-09-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: DISCOVER BANK (CA)

I helped my god-daughter XXXX XXXX XXXX XXXX student loans in XXXX of XXXX and XXXX of XXXX. Both student loans listed me as co-signer as stated in the letter dated XX/XX/XXXX, from Discover Bank. The letter listed XXXX XXXX XXXX and XXXX XXXX XXXX. The loan XXXX told me over the phone that amounts are ~ {$64000.00} and ~ {$41000.00}, respectively. XXXX has been paying both loans on time after she graduated and landed a job as a nurse in Texas. After talking to her and her mother, we decided that she can take care of them on her own. Therefore, I contacted Discover and they have been making me goes round and round without any specific. I asked for additional info such as the terms of the loans and the answers are that they can not give it to me because I am a co-signer not the applicant. A loan specialist would ask to call a loan consolidation specialist but don't have a phone number to give. Then, I started googling and found CFPB.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Under Basic Right of US Citizen. I need to have accurate information on each and every line same on 3 credit report agencies.

To make your job easier. I have attached everything that is incorrect. This all information to deleted in 15 days. on 31 day, I will Sue all credit report agencies. Delete and send me copy of report to house address.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX  Account Number XXXX XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Delete this account. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Consumer complaint received 2023-09-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (TX)

I paid my card in full XX/XX/2023. Balance after payment stated XXXX They stated something about trailing interest in my call today XX/XX/2023 and that I owed {$2.00}. They reported to credit bureau and my credit score dropped tremendously.
Consumer complaint received 2024-03-30
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/XXXX I had a total loss with a vehicle financed through TD Bank ( XXXX XXXX XXXX ). I was out of work for a month due to the injuries. By the time, I was managing the proper claim process with my insurance company. On XX/XX/XXXX TD Bank received a payment from my insurance company for over $ XXXX. The next statement that I received said that my monthly payment was {$0.00} and showing my next payment due was XX/XX/XXXX. 

I had several calls and one of the staff confirmed that the payment was posted incorrectly and send me to start a dispute with the credit agencies. I was frustrated on how they didnt assume any responsibility for their mistake. TD Bank has reported to the credit 30 and 60 days late payments for apparently a balance of {$170.00}, when their statement provided a whole different information. 

I requested also copy of the statements and a payment history and wasnt provided.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

My address on my credit should only be XXXX XXXX XXXX XXXX ID XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ID XXXX
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (CT)

Experian claimed they needed documents from me in order to remove an account that was created via identity theft. I sent the documents in and continued to receive these unusual emails from them. After I'd call and ask to talk to a supervisor and only received being transferred around and hung up on. Today XXXX of their agents began to get aggressive so I asked him to transfer me to a supervisor and he became more aggressive. 


Its at a point now that their behavior is without doubt unprofessional, almost in a childlike way. They are damaging my credit personal reputation and are not adhering the the fair credit laws. 

Something is most definitely wrong with the way they are behaving, which can be seen in the emails they have sent.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Account Ive noticed on my credit report mis information was reported in regards to my capital one auto loan. 

I paid the car off and was never late on a payment. This is hurting my credit and is not accurate information. Please advise the next steps that should be taken.
Consumer complaint received 2023-10-02
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: VIRTUOSO SOURCING GROUP, LLC. (OH)

Virtuoso sourcing group is harassing me and constantly sending me a settlement proposals for a debt that does not belong to me. They are threatening to put this on my credit report and I had no knowledge this account even existed. This account was opened up at my address without my knowledge nor my consent. When I moved into this property this service was already on and I did not set up any security services at this address. I spoke with XXXX and they said they sold the debt to virtuoso sourcing group and could not do anything so I spoke to this company and let them know I was a victims of identity theft and they refused to close this account they refused to look into this matter any further so now here I am reporting this as identity and I refuse to pay this debt because it is not my debt nor my responsibility! Under the fair reporting credit act law 15 u.s.c 1681g and 15 u.s. 1681 ( a ) ( 4 )
Consumer complaint received 2023-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC (OR)

My mortgage was sold from XXXX XXXX XXXX ( XXXX ) to XXXXXXXX XXXX  some time in XXXX or XXXX of 2023. I was never contacted or informed of this sale. I had my mortgage loan payment set up with XXXX for auto draft so I would never miss a payment. 

It was not until XXXX that I received loan collection calls for delinquent mortgage payments. I was not properly informed of the transfer of mortgage companies. Furthermore I was sent to collection and never informed what payments I owed in back pay and was essentially extorted for ( 4 ) full mortgage payments totaling {$6500.00} in a 30 day period ( XXXX - XXXX ). This was a large sum of money that I suddenly was forced to compensate for all at once. I feel like this was an extremely predatory move by XXXX XXXX XXXX and extremely damaging to my years of excellent credit that was built up. I made several attempts to access my loan online to resolve the matter but was repeatedly locked out ( XX/XX/XXXX & XX/XX/XXXX )
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The payment for XX/XX/2020 was sent in through the mail. The payment was sent to XXXXXXXX XXXX in the amount of {$1500.00}. I sent it out on XX/XX/2020 and XXXXXXXX XXXX received it before the due date. They admitted that it took 3 days for them to process the payment. They put a late payment on my credit. I have verification following through the mail. 
It's not right that I have a late payment when My payment was not late.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (NY)

Discover Credit card was removed per cfpb and then it was reinserted on XXXX. I also have an inquiry from Discover that I have no XXXX of or have given permission. By law it has to be removed.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

As I was about to do a home search, I noticed that my credit score had decreased by XXXX points. I had contacted all the consumer credit Bureaus ( XXXX, Equifax, XXXX ) about the misleading information and inaccurate data.The creditor had reported my loan as delinquent when in fact I got an evidenciary letter prior to the negative notation indicating that my loan was under forbearance contrary to the negative reporting. The letter was submitted to the agencies as evidentiary exhibits. 

I had decided to pay off the loan to avoid further confusion and economic damage with the consumer credit agencies, however they refuse to correct and remove the delinquency which was entered based on the misleading information. 
The agencies and the creditors should take responsibility of their data to assure maximum accuracy. 

Despite of my reasonable payment history, my credit score keeps going down and my depleted score had affected me economically and prevented me from pursuing my home search. The misleading information had created harm and frustration constantly in my business dealings. 

It appears to me that there's a discrepancy between payments history and credit score, I have found that the agencies are reporting credit score callously and not reflecting the hard work that consumers place in maintaining an excellent credit score. These agencies are running as " XXXX XXXX XXXXXXXX ' '' with XXXX XXXX.
Consumer complaint received 2023-09-29
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC (TN)

I have called the company multiple times over this past month to get access to PDF copies of my loan statement. Every XXXX weeks, I pay money and the balance is not moving. I have no access to my loan statements to see how payments are applied and what fees are assessed. I call them and am on the phone for over XXXX minutes often with no resolve. I've emailed as well and I still don't get access to my bi weekly loan statements. Yet, they auto debit my account every XXXX weeks. This is not truth in lending!
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (AZ)

On XX/XX/2024, and XX/XX/2024, I requested debt validation per the Fair Credit Reporting Act, 15 U.S.C. 1681g, 1692g Sec. 809 ( 8 ) and notified the merchant that this debt was identity theft. I provided a copy of a police report and detailed letters. The company did not respond with validated information.
Consumer complaint received 2023-09-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berlin-Wheeler, Inc. (Kansas) (CA)

I received an alert on my credit report and noticed that there was a charge for collections for a service. I had no knowledge of. I reached out to verify my identity and they have not removed the charge. They just said the charge was valid I do not live at that location nor that city and I submitted documentation showing my identification and where Ive lived since XXXX and they still have not removed that collections from my credit report or my name. I have disputed with all 3 credit agencies and nothing has been done to remove it. 

XXXX - XXXX XXXX - XXXX Last reported XX/XX/XXXX {$720.00} Open balance XXXX XXXXXX/XX/XXXXOriginal creditor XX/XX/XXXX Opened XX/XX/XXXX ( 3 mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; customer disagrees Original creditor name XXXX XXXX XXXX
Consumer complaint received 2023-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NE)

I applied for a lower repayment plan, the SAVE plan, that just came out. I applied on XX/XX/XXXX and have had no response. I sent a secure message to them on XXXX and had no response. I resubmitted a second application for the SAVE plan on XX/XX/XXXX, and still heard nothing. I then called on XX/XX/XXXX, waited on hold for 86 minutes to speak with someone, only to be told my application was processing and nothing could be done. I am supposed to have a $ XXXX monthly payment amount applied to my account, as well as prevent interest from ballooning under this new plan, but Mohela has failed to apply this to my account and continues to allow interest to balloon to defraud me. I submitted 2 compliants to this company that went unanswered. I want the plan I applied for on my account immediately.
Consumer complaint received 2023-09-28
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: Mcburberod Financial, Inc. d/b/a SeedFi (CT)

Its very difficult to try and contact SeedFi for my credit builder limited edition XXXX XXXX. Its being reported by the company that I still owe {$180.00}. This was my loan reminder in XX/XX/2023. Account hasnt been updated whatsoever and everytime I dispute through XXXX they say the company reports its accurate/verified. Its simply cant be as I have a screenshot of my loan being 100 % paid back. Its a ring a round loop trying to call SeedFi customer service phone number as it goes straight to XXXX XXXX customer service or another company because SeedFi integrated with XXXX XXXX, XXXX XXXX cant help me if Im trying to get my XXXX credit report fixed, I send emails but only get automated emails back asking for last XXXX digits of social which I always respond and nothing, I call XXXX to dispute and its too the point I cant specifically dispute SeedFi on my XXXX credit report because I keep disputing. I made XXXX more disputes through the phone and still information says its reported accurate. I sent documents showing why the decision is wrong and still they wont report the loan as paid/closed. I do not owe SeedFi anything. In XXXX the account was reported closed/Paid off but for some reason after XXXX it was back opened and ever since trying to report it wrong it has not been fixed.
Consumer complaint received 2024-03-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: GOLDMAN SACHS BANK USA (HI)

On XX/XX/XXXX or XXXX I ordered a transfer of funds from my savings account at XXXX Goldman Sachs to XXXX XXXX to purchase a 13 month CD with a good interest rate. I went through the process of verifying test deposits from XXXX into the XXXX account. XXXX called me at XXXX on XX/XX/XXXX. I couldn't answer and I called them back at XXXX, two minutes later. They were calling to verify my transfer of funds to XXXX. I thought this was odd- it has never happened with any other transfer I've made at any other bank. Anyway I told them yes, the transfer was legitimate and that I had made it. They said " fine, we'll go ahead ''. Then on XX/XX/XXXX I logged in to my XXXX account and found that the CD that I had purchased with the funds from XXXX had been opened on the XXXX but then was closed on the XXXX! No sign of the funds. I immediately called XXXX and asked them if they knew what was going on. They said that because I didn't answer the phone at XXXX on the XXXX they decided to " pull the funds back '' ( their words ). I am outraged that they arbitrarily and without consulting or informing me closed my account at another bank and took the money back to themselves. Surely this can't be legal!? Of course I can't contact XXXX because it's XXXX and they're closed, so I can't ask them why they allowed this to happen without consulting me. I talked to two different people at XXXX both equally useless who just read from a script and blamed me for not answering the phone even though I called them back 2 minutes later. This seems like a scam they are running. Since when is it incumbent upon a client to answer a phone call to confirm a transfer order he made when he went through the already complicated process of validating his account with test deposits, logging in with his secret password, etc. etc.? The attractive CD rate at XXXX is now gone and XXXX just has a XXXX XXXX XXXX XXXX! attitude. I am closing my accounts there as soon as I can.