davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-14
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: Experian Information Solutions Inc. (NY)

I have disputed a couple of accounts reporting by Experian, since XX/XX/2018 which were the first round of certified mail, then in XX/XX/2018 was the second round of certified mail. XX/XX/XXXX, I received a return to sender and sent a copy of that mail to Experian. Experian has not investigated the matter and keep sending mail that the account has been updated. On XX/XX/2018 I sent out my 3rd round of certified and I have received the same updated response. They also refused to reverse the findings, not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2018-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

On XX/XX/2018, I called my bank USAA and said I needed to make a transfer but I did not know if XXXX app that they advertise through their website would be safe. I have always used XXXX for transfers and had no issue. The customer service representative said it was an app used by many banks in the US and it was a safe way for purchase, transfer etc. I felt much secure once the customer service representative said that. 

I made a transfer from my bank account through XXXX ( app that USAA advertise in they website ) for {$200.00} to purchase concert tickets for my daughter and I. After 5 minutes that passed and I had no reply from the seller, I called USAA and explain the situation. They said they were going to stop the payment and I would get a refund. 

After 2 weeks I called them back and they said they weren't able to give me my refund because the seller never contacted them back again. Obviously it was fraud and they could not protect me as a customer. I would like them to give me my refund as they stated in the first conversation I had with customer service. If they advertise a app, say it is safe to use and we are protected as costumers they should be able to honor it. So please make an investigation and help me get the {$200.00} back. 


Thank you.
Consumer complaint received 2018-07-22
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. (LA)

Dear Sir or Madam, I checked my personal credit report, which I acquired several unauthorized inquiries.I contacted the creditors who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I have certified letters receipts where I have made three requests within this year and 5 last year.

I have requested that an investigation into inquiry on my credit report to determine who authorized the inquiry. I you find the inquiry referenced above to be invalid, due to lack of evidence and not receiving a thorough description of the procedures used in the investigation within 15 business days of the completion of the investigation. This is now the fourth request in the past 15 months and it has since been 120 days since the last request. 
The inquiries were removed and sent to all three bureaus to be updated but Transunion is the only bureau that have not removed the inquiries and have submitted a dispute several times. 
The inquires and dates are listed below : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX My second reporting issue is closed accounts I requested be removed. 
Below are closed accounts that have been closed only due to name change of an organization or being sold to another company. There are also debt that I corrected and sent copies of the information to transunion showing the account is still closed but is no longer negative and they refuse to remove it. 
Here are the accounts with XXXX  balances. 
XXXX XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-11-14
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. (MA)

To whom it may concern : I XXXX XXXX XXXX am a victim of identity theft and identify fraud where XXXX XXXX XXXX and XXXX XXXX XXXX two wanted fugitives for multiple XXXX. That I reported to the New State Attorney General and the Massachusetts state attorney general. There an active NYS attorney general investigation in to XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX as well the two fugitives named above XXXX XXXX XXXX is my mother so she had all my Information as far as D.O.B XX/XX/XXXX S.S. # XXXX My address XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX. After I reported my whole family for multiple XXXX they retailed by XXXX XXXX is my cousin she call all my creditors XXXX XXXX XXXX  XXXX XXXX and making false claim of my accounts being put in to collection. XXXX XXXX my sim card out my XXXX and creating XXXX dollars in fraudulent charges and called XXXX put it in to collection not once but twice. After it was resolved with XXXX and discharged off my credit report do to fraud. These events have adversely affected my Credit score before the fraud I was an XXXX with Trans union now Im a XXXX with Trans union. Please restore my credit score to where it was before the Identify theft and the Identity fraud that I reported to the F.T.C and other agency CFPB years ago. If not I will be forced to take legal action. Thank you XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-07-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams & Fudge, Inc (NY)

As of XX/XX/2018 there is a collections account from Williams And Fudge showing on my XXXX report for {$6000.00} with XX/XX/XXXX as the date opened listing XXXX  as the original creditor. 
First, I have never owed XXXX any money, and I have received no mail from them requesting money from me. Secondly I have received no notice Williams and Fudge you regarding the debt this is a violation of FDCP. By doing so the company has also interfered with my right to contest and verify the debt. 
This account needs to be removed from my credit report immediately as it is not only frivolous, but the rights allowed to me regarding the matter were infringed.
Consumer complaint received 2018-11-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (ME)

TD Bank paid out {$420.00} when there was no money in my account. This cause on overdraft to the account. I finally got a settlement check for {$11000.00} to deposit, so I contact TD to confirm that there would be no issues with me depositing the money. I was told by customer service that as long as the check was brought in and deposited by Monday, XX/XX/XXXX there would be no problems. When I went to the branch on Sunday XX/XX/XXXX to deposit the check I re addressed the concern. I was told not to worry, that the account was good and no further action would be taken on the account now that the deposit check of {$11000.00} was there. I discovered on XX/XX/XXXX that my account was closed and after a full day of trying to figure out what was going on, I was informed that they closed the account, and after they did finally get the deposit cleared they would hold my funds until they di some sort of " investigation '' on the funds, after which they would cut me a check and mail it. I was then called and told that I could come in to get the check if I so chose to. But it would be held as a " cash item '' by the bank until they did this supposed " investigation ''. This money represents everything I had financially. Due to this situation they have created I will loose my home and my car because now I have no money at all to make any payments.
Consumer complaint received 2018-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (PA)

I have been an American Express customer for more than 5 years, frequently using their cards and amassing membership reward points. I went to use the points today that I have used over the years and was unable to. They are " reviewing '' my account, but are unable to tell me when the review started, what triggered the review, or when I would be hearing back regarding the review. Furthermore, I was not contacted about this review - only my own attempts to use the points demonstrated the review implemented. 

I have {$4000.00} in points being held hostage with no explanation.
Consumer complaint received 2018-10-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

Ocwen is using faulty information in the servicing of this mortgage loan. 

Ocwen has failed to deliver required foreclosure protections. 

I provided Ocwen with an Error on the mortgage loan. 

Ocwen has failed to properly respond to a Notice of Error and request for information. 

Ocwen has failed to properly acknowledge and investigate my complaint. 

I provided a rebuttal letter to Ocwen indicating the Notice of Error and Request for Information was not properly responded to by providing an answer.
Consumer complaint received 2018-01-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (VA)

Coinbase I opened an account with Coinbase in the fall of XX/XX/XXXX. In XX/XX/XXXX, Coinbase initiated 2FA for account access, but I was not advised in time and I lost access to the account. I opened a second account and asked them to transfer any residual funds to the second account, which never happened. 

In XX/XX/XXXX I was informed by Coinbase that my account was being terminated without explanation or cause. There was a small residual amount of funds left in that account as well. 

However, the value of bitcoin has risen far higher since that time. What was worth less than {$10.00} is now worth several hundred dollars. I have contacted Coinbase twice about getting the funds returned to me, and their was response was " We have no record of you ''. 

This is nonsense. Under XXXX rules, I was required to submit an enormous amount of information about myself, including email address, physical address, social security number, bank account information, a scan of my drivers license, and more. 

Coinbase should be able to easily identify me and my accounts, and return any funds left in them. To claim that they have no ability to identify me or locate my account records can only be viewed as fraudulent. 

I have no paper records to provide, because getting the information, such as account numbers etc. would require accessing the accounts, which Coinbase has locked me out of. No bank can legally operate in this manner.
Consumer complaint received 2018-01-07
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: SYNCHRONY FINANCIAL (NJ)

In order to prevent any deception, misrepresentation, or concealment, we are requesting that you forward the portion of the original promissory note agreement with these six ( 6 ) elements to satisfy and complete : A. Adequate Assurance of Due Performance B. That the proper party is to be repaid their money C. That a theft of any party has not occurred D. That my client was provided, Full Disclosure, Adequate Consideration, and a Mutual Understanding of all material facts in the original transaction if you can not or refuse to provide the portion of the original promissory note ( s ) agreement ( s ) with these six ( 6 ) elements within thirty-days ( 30 ), please explain why.
Consumer complaint received 2018-10-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Herbert P. Sears Co., Inc. (CA)

HP Sears is reporting a medical collection to all the bureaus. I went to XXXX XXXX. I have insurance. I have XXXX. I went to XXXX XXXX for only covered services. Services that are included in the XXXX XXXX XXXX 's scope of benefits are not chargeable to the XXXX XXXX beneficiary yet I have a bill. I have asked and asked for a reason why there is a balance but HP Sears is only interested in money. They threatened harm to my credit if I didn't pay them. I wanted time to find out what this was about so a payment plan was arranged in exchange for not reporting this on my credit. They put it on my credit despite my requests for validation of the debt. I spoke to your company before and informed them I am in dispute with XXXX XXXX and that they needed to validate this debt but it appears they have refused so I am asking for your help. I requested that they provide me with competent evidence that I have any legal obligation to pay you because I have 100 % covered insurance. Tell me : What the money I owe is for ; I asked them to provide a detailed list of any and all services or goods purchased and a line by line itemization of charges ; Explain and show me how they calculated what I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; They are not supposed to report on any bureau until they have provided this information but they did. I am considering taking this to civil court. I believe this might constitute fraud under both Federal and State Laws. I now demand they send me a deletion letter today until such time as this is resolved. I have my phone records to prove I have spoken to you and made this same demand verbally. This would be construed as knowingly violating the law.
Consumer complaint received 2018-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (FL)

On XXXX XXXX, 2017 I filed a claim with TD Bank in regards to my debit card being used with taking cash from ATM 's on a daily basis. I have had this account for years and my activity on this account was very very limited. Easily said I hardly had any transaction on this account and never did cash withdrawals at an ATM. I filed this claim stating that TD bank allowed cash to be taken out on a daily basis until the money was gone in my account. The system should have noticed I never did ATM cash W/D and that this amount of activity was out of the normal for my account but they did not catch this problem. Within 24 hrs of filing this claim, TD bank contacts me saying they completed their investigation and found no error and that all the ATM transactions and a few XXXX point of sale transactions are valid. They claimed the activity was within my normal activity which is clearly not true as I have already stated I never did ATM cash W/D in the history of my account let alone the amount of spending taking place. Next, they claimed the card was used within my home area which in fact when researched the card was used at ATM 's located over 15 miles from my home and XXXX transaction took place over an hour from my home location. Every reason they gave for denying my claim was clearly false and can be proven by the years of activity on the account. Moreover, how is a proper investigation completed in 24 hours time? They refused to get photos from cameras where the transactions had been made. They asked me to get a police report and when I spoke to the police they said that the bank must first do a real investigation and that cleary my bank did not if they closed the claim with a 24 hr time frame. Even the police department said they never heard of an investigation being completed within 24 hours. TD bank has refused to issue me {$10000.00}. They even ignore the XXXX protection promise on the transactions made at retail locations using my card. It seem 's TD Bank feel 's they do not have to protect customers money nor does REG-E or XXXX fraud protection for the unauthorized transaction when card used in stores does not apply to TD Bank. It has been one-year fighting to get my money back and after countless emails from supposed TD Banks corporate office, all they tell me is to get a police report. I repeatedly told them what the police told me but it does not seem to matter to them what the police have to say. I feel these are just excuses for TD Bank to deny customers claims and especially when they are being dishonest for their reasons for denying my claim.
Consumer complaint received 2018-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AZ)

I applied for a credit card with XXXX XXXX and they use XXXX XXXX to check my credit. Despite having a FICO score of XXXX, I was denied a credit card with XXXX XXXX. 

They have asked me to contact XXXX to findout why my credit file is negative and I have received no response from them. 

Can you please help me with this matter.
Consumer complaint received 2018-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

A payment of {$17000.00} was posted to my account by a third party. I called Bank of America and specifically asked if this payment had cleared and if there was any way said payment could bounce. I was assured that it could not. Based on Bank of Americas reassurance to me, I wrote a cash advance to said third party for {$16000.00}. Subsequently, the payment that the third party put on my account bounced. Bank of America is insisting that I repay the {$16000.00} despite me informing them that but for their reassurance that the payment wouldnt bounce I would never had issue the cash advance check. Ive tried repeatedly to resolve this matter and to try and get Bank of America to accept responsibility for this misleading me to no avail. 

Anything that you can do to assist me, will be greatly appreciated. Thank you.
Consumer complaint received 2018-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capstone Credit & Collection, LLC. (FL)

Capstone Credit And Collections are trying to collect and reporting a debt that I do not owe. They are representing XXXX XXXX XXXX XXXX in a attempt to collect {$3700.00}. I already sent them written notifications stating that I do not owe them, nor XXXX XXXX anything, and demanding they remove this from my credit report, but they have done neither.
Consumer complaint received 2018-01-06
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I tried three times calling BoA to close my saving account. However, I have never been connected to a customer representative for over 20 minutes waiting time.

Every time I made a phone call, the system asked me to wait, but finally, the background music stopped and no customer representative spoke to me.
Consumer complaint received 2018-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (SC)

XXXX keeps adding and subtracting balances from my accounts. This is adversely affecting my credit score. I am in the middle of financing and their frequent updates are detrimental to this process. With them not having my corrrct info I wasnt able to be notified that I was out of forbearance. I respectively ask that the lates be removed and set to current. As soon as I contacted XXXX my loans were put back in forbearance. Also I want all loans older than 7 years to be removed from my credit report, as that is more than the COLfor my state. I need this done ASAP as XXXX is doing illegal collecting and reporting practices.If not removed I will be filing with FTC as well as State Attorney Office.
Consumer complaint received 2018-11-14
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Southern Auto Finance Co (SC)

Hi My name is XXXX XXXX, I currently have a auto loan with XXXX XXXX, I have had many problems with this bank with info being report as well as communication errors with the staff. 
Currently there is a missed payment on my credit report, and because of that my score has taken a huge hit and no matter what i do will not get any better. I've disputed multiple times with both bank reps and the credit bureaus to no success. According to Safco i missed a complete payment on my auto loan and that is inaccurate i have never missed an payment. I have been late on account but never past 30 days. or without speaking with a representative first due to me being in military its times when i am in field training and can not have electronics which causes me to make payments after due date but per multiple agents with this company no payment has been missed that would fit there reporting policy to be late. I already had one report corrected through this company because inaccuracy. This is not fair. I can not move forward with anything else in life as far as housing and possible vehicle upgrades due to this account reporting the missed payment which is not accurate. all the bank can do is send me a payment history and i understand what there systems may say but the info is inaccurate and its just not fair that i have to continue to take the hit for something that is not true.. Ive made all the payments on this account accept one that was an arrangement Other that payment ive made all of my payments, even if they were made after due date none were ever made after the 30 day reporting policy