davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-03
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. (SC)

I am writing to formally dispute the validity of the debt associated with the account referenced above. This dispute is filed under my rights as outlined in the Fair Debt Collection Practices Act ( 15 USC 1692 ) and the Fair Credit Reporting Act ( 15 USC 1681a ). Specifically : 1. **Dispute Under 15 USC 1692** : I am disputing the debt in its entirety and request that you provide validation of this debt as required by 15 USC 1692 ( g ). Please provide documentation that confirms the amount of the debt, the original creditor, and that I am indeed liable for this debt. Until such validation is provided, I expect that all collection activities will cease. 2. **Dispute Under 15 USC 1681a** : Additionally, if this account has been reported to any credit reporting agencies, I am disputing the accuracy and completeness of the information being reported under 15 USC 1681i . Please initiate a reinvestigation of this matter and correct or remove any incorrect, incomplete, or unverifiable information from my credit report.
Consumer complaint received 2018-01-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I got a XXXX XXXX credit card ( XXXX ) a few years ago which was only supposed to cost ~ $ 50/year. Since then, I have never used the card I probably had to pay $ 500+ in fines, late fees etc. Several times I logged into their website and put my bank account for automatic payments. Also did the same by calling them. But every few months I get a letter which shows a {$40.00} late fee for a {$2.00} min fee that I failed to pay. I do n't want to pay late fees for automated {$2.00} payments that failed to process The company which is managing this card ( XXXX ) is a completely incompetent scammer.
Consumer complaint received 2018-01-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (CA)

XXXX XXXX has harassed me by repeatedly emailing me ; XXXX XXXX was the name used in these harassing emails. He emailed almost on a daily basis. Emails were inappropriate and threatening while also suggesting he was " watching '' me. XXXX XXXX has charged me a ridiculous amount in fees. I had a credit card bill from them in the amount of {$700.00} and had paid $ XXXX-XXXX and within the next month my bill turned into {$650.00} dollars which was completely wrong and I refused to pay it so they started emailing me almost daily for over a year threatening to take legal action but their emails were worded so inappropriately it made me feel uncomfortable as if they were hacking into my email box and could see I was reading their emails without responding. They emailed me from in the year XX/XX/XXXX to partially XX/XX/XXXX. Emails were saved due to their threatening nature.
Consumer complaint received 2018-01-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ONLINE Information Services, Inc. (OH)

I received a call at my job from ONLINE Informaional Services, the representative name was XXXX at XXXX. She stated the MM, she properly identified me. I asked for the Validation of the debt to be sent to me, she refused. Also asked for a payment plan, she refused. Instead she mentioned my credit report ask about my line of credit? XXXX, threathen me by saying that she was going to report info to my credit report, if it is not paid by the XXXX of the month. I pointed out that she must send me a letter of Validation because that will be an FDCPA violation. She continued to collect and got frustrated, she then hung up on me saying that i was playing around?
Consumer complaint received 2018-01-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

XXXX and USAA have continually raised my escrow payment to compensate for their misdeeds. In approximately one year of having this VA loan there have been three escrow analysis and two payment increases. This is highly unusual and unheard of. 

The first increase, which has already been reported to CFBP, was due to USAA and XXXX targeting and discriminating against this Veteran. They willfully misappropriated my escrow account funds, charged me twice for a hazard payment depleting my escrow account and refused to refund the money they forced me to pay in unsupported fees and escrow " shortages ''. 

I went to pay my mortgage in XX/XX/XXXX only to find XXXX again raised my mortgage payment after performing a third escrow analysis or the second in less than a month. 

Both USAA and XXXX have refused to provide a single point of contact within their company to address this matter and insist that I make numerous calls to talk to XXXX and then USAA even though XXXX is the servicer for USAA. 

I am continually pushed to various agents within XXXX, left messages with no contact names or numbers, calls never returned, charged unsupported fees and forced to spend months pushing them to address these matters. All the while XXXX collects " shortages and unsupported fees '' they refuse to return.This is targeted harassment and discrimination. 

XXXX has refuse to fix their own system and have cause significant amount of distress and suffering. XXXX points to USAA and USAA points to XXXX to fix the fraudulent increases while neither do a thing and charge $ XXXX in unsupported fees and $ XXXX in escrow " shortages '' that both USAA and XXXX admit they created through deceptive acts of double charging and using escrow money for purposes not contractually intended while pocketing the unused portions. 

Simply put USAA and XXXX have continually used misused escrow funds at the expense and peril of the owner.
Consumer complaint received 2017-04-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: GFS, Inc. (MO)

XXXX   XXXX , with Shaffer Law,  XXXX , has called my place of employment 2 times in 2 days. The first call,  X/XX/17   ,  XXXX , asking for myself-  XXXX   XXXX  . I was on a phone call with a customer. The second call,  X/XX/17   ,  XXXX , he asked to speak to  Human Resources. H e asked the HR person questions, and wanted to know when I started working at my place of employment. I have already entered a dispute on the collection they are looking at. Yet, they continue to call my place of employment. I called  XXXX , and verified his name and correct spelling, and advised him- " I have been receiving numerous calls at work and as I understand it under the Fair Debt Collection Practices Act that is a violation, I will be reporting your agency for this violation. Do not call me at work again. " I am working on my credit and taking care of thikgs as I can, but as I said I had already started a dispute when this  XXXX  called my HR co-worker today. I do not appreciate the harassment and embarrassment at my work, nor is it legal. I want action taken against this company.   Thank you for your time,  XXXX   XXXX   XXXX  XXXX  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Mo  XXXX
Consumer complaint received 2018-01-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (HI)

I signed up for XXXX XXXX XXXX card and I always paid of my credit every month I had good credit history. I started off with XXXX and they went up to XXXX because I always paid on time. When they made the switch to Citi Bank they didnt notify me and I had credit that still had to be paid off on XXXX XXXX XX/XX/XXXX I didnt even know where to go I kept logging in on my XXXX XXXX but it wouldnt let me from XX/XX/XXXX till XX/XX/XXXX. Finally in XX/XX/XXXX I received a card and a late fee notice that they were going to go to collections with my debt. I tried multiple times to call back and forth and settle it with them from XX/XX/XXXX - XX/XX/XXXX. I made payments to try and catch up. I finally took out a loan from my bank to pay it off because I did not want to hear from them any more. I would make my payments on time and they still would call saying that I owed money. After paying off the card in XX/XX/XXXX they sent me a statement in XX/XX/XXXX for money I paid off. I called a representative and they erased it and apologized. I have been on it with my credit history before citi bank.
Consumer complaint received 2018-05-16
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: Experian Information Solutions Inc. (CA)

I believe I have a mixed file ( or possibly identity theft ) on my credit report. I just ordered my report with Experian and realize there are addresses, name & account that do not associated with me. 

Below are two accounts that is not associated with me XXXX   XXXX XXXX Account Number XXXX XXXX   XXXX XXXX Account Number XXXX Name that appear on my credit report : XXXX XXXX
Consumer complaint received 2018-01-04
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: BARCLAYS BANK DELAWARE (CT)

There were charge offs applied to my credit score that I was n't notified about after i made payment arrangements with paying off my balances. I told the company during a time of financial hardship that I would be able to pay off the balances within a couple months. The called my job, even hired debt collectors and lawyers to constantly call me while I was at work even after i told them they would need to stop. This is getting ridiculous and I would like both of these companies questioned based upon their collections attempts and not respecting the time window i 've asked to contact me by. Due to the constant calls at work and on my office phone and constantly on my cell phone ( which I used for personal clients ) during work hours I was given a poor review and had to leave my job and resign.
Consumer complaint received 2018-01-04
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: EQUIFAX, INC. (FL)

I have a XXXX XXXX phone bill that appeared on my credit reports, all 3. However I have only had an XXXX phone bill ever. I have never had any other company and this bill has to be fraud because it doesnt belong to me. I am more than willing to submit whatever I need to prove to them that this is not my account including my bills for att dating back to several years ago.
Consumer complaint received 2018-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In XXXX of XXXX i disputed some transactions ( XXXX XXXX XXXX ) as service not as described. I disputed this with Bank Of America and clearly stated why i was looking to dispute these charges and they denied the claim within days not giving the proper investigation. XXXX XXXX coerced me into staying in my contract over this time period and even further back than the one year that was disputed. Bank of America told me they dont even go as far back as i was requesting which i think was ridiculous. As a consumer i have the right to dispute these charges and receive/ keep my provisional credit of {XXXX} and even further back than that. I will go to whatever means to prove i have the right to these funds. This is NOT A FRAUD ISSUE. I am NOT claiming fraud. This is a NON-FRAUD issue due to negligence by the merchant and a lack of service as described by the merchant when amenities that i orignally signed up for were taken away. Bank of Americas lack of consideration for their customers is beyond me. I hope this reaches them. Thank you.
Consumer complaint received 2018-01-04
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: Continental Finance Company, LLC (OH)

I have a problem with a contintential finance surge card. I reported the card missing and have a new one sent. I later found the card but my account was cancelled and the fees are still piling up. I only used the card once and paid the balance off right away. This mistake is hurting my credit report.
Consumer complaint received 2018-01-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC. (FL)

They have been GOUGING me with EXCESSIVE OVERDRAFT fees from about XX/XX/XXXX- XX/XX/XXXX, but the most recent is on XX/XX/XXXX for {$36.00}. I check this account daily and I am noticing that it 's  something not right. I 've spoken with someone several times and they 've all came up with different stories and reasons as to WHY I keep getting charged.
Consumer complaint received 2018-01-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

I have over the last 6 months been able to make additional payments to Navient however they keep increasing the amount of interest on the loan so that there is no difference being made as a result of these additional payments. What happens if I were to triple my payments they would probably run the interest up to offset this too. Then Navient hides behind the statement that all loans are subject to interest rate increases. 
This is predatory lending at it 's finest with these people.
Consumer complaint received 2018-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Up until 2013 I was a customer of Bank of America. I had perfect standing accounts at all banks and financial institutions and a great credit score. Sometime later in 2013 I had deposited a check from my  partner from a different bank to my personal account at Bank of America. I had no idea that the check would bounce but it did weeks after the deposit. I had used the funds and was unaware of the account status until returning from my trip. When I was back in town and made aware of the issue, my account was already closed ( charged off ) and I was reported to all credit agencies and put on XXXX XXXX. I made the account current but the bank made it clear that the reporting decision was out of their hands and did not give me any direction on how to dispute the situation. Not only was I reported to XXXX XXXX but I was also reported to all financial institutions and credit agencies as a person who has committed " fraudulent activity. '' I was wrongfully reported to the agencies as a fraudulent customer and this has not only defamed my character at a life destructive level for me, but it has specifically caused me major financial loss in every category of my life ( business and personal ) and has led to my current situation of being supported by the government for the very first time in my life. I was a successful, young entrepreneur and professional before this incident and I am now suffering from major mental issues and emotional distress caused by the unlawful decision/action by Bank of America. 

I have tried resolving this matter directly with Bank of America from the very beginning with multiple attempts at a settlement and resolution but each time was involved in a process that took 6 months or longer to receive a general rejection at the end with no legitimate explanation. 
The case number I was assigned for the claim by BofA was : XXXX This situation has not only banned me from opening a bank account/financial account anywhere in the country since the incident, but has also led to the closing of my businesses ( due to my inability to have any financial account ), loss of business partners and trust with individuals who were made aware of this situation since I had no control of the information, decreased my personal credibility and professional credibility and credit scores across the board, and has ultimately led to my inability to continue my lifestyle and professional life. I have lost everything I have worked so hard for since I was a child.
Consumer complaint received 2018-01-04
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: TD BANK US HOLDING COMPANY (TX)

XXXX client, XXXX XXXX is a victim of identity theft.  A current XXXX, XXXX and XXXX credit report reveals that a fraudulent application was submitted to TD Bank with his information that resulted in an inquiry XX/XX/XXXX that he did not authorize. An official dispute was set to TD Bank XX/XX/XXXX however a current credit still shows this fraudulent inquiry is still listed which is a violation of the FCRA.
Consumer complaint received 2018-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (TX)

I feel that Discover is being misleading about the Secured card. When I applied on the discover site back In XX/XX/XXXX for the secured card it stated that it would graduate after the XXXX month. This card has yet to graduate and it has been open for 18 months. This account has never been in default and always in good standing so I'm wondering why the card hasn't graduated yet? I have called and spoken to representatives and the only thing that Discover reps tell me is that it's systematic and they can't do anything manually. I've asked what are the qualifications to graduate and Discover can't tell me anything pertaining to it. I've asked questions about the needed score to graduate, how many months does it have to be, even the bureau that they're looking at and they CANT tell me anything. Why would Discover offer something to the public but can't tell customers what's expected to move to the next level? I feel that's very misleading and it's very shady for a company that guarantees quality to not answer questions in order for me to succeed. The answer the reps give are no better than competitors XXXX reps answers. I'm very disappointed.
Consumer complaint received 2018-01-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (CA)

My complaint is against a company known as " Debt Recovery Solutions , LLC ''. This company is attempting to collect on a debt that has already been paid. When I called to get the information on the account they were extremely rude and misleading. First and foremost, the company did not provide validation of the debt even after I called them on and emailed them on XX/XX/XXXX. I sent them a receipt for the debt that was paid and when I paid it with XXXX XXXX. Secondly, I called XXXX  XXXX XXXX XXXX XXXX Nevada and had them confirm there was absolutely no other debt owed, or sent to collections. XXXX XXXX XXXX XXXX XXXX Nevada mailed me a document with all the account number showing everything has been paid and resolved. I am filing this complain because this needs to be removed from my credit as it is effecting me negatively. Especially in which the way they are reporting the trade line. This medical claim was back from XX/XX/XXXX, they have it reported as being opened on XX/XX/XXXX. Needless to say, this should be removed as I do not owe anything to this company.
Consumer complaint received 2018-01-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

On XX/XX/XXXX, a transfer of XXXX euros was sent from my bank account in the XXXX, to a bank account owned by Coinbase. It was a SEPA transfer. Coinbase provided the XXXX, Reference Number and XXXX/XXXX code in order to transfer money into my account with them. This transfer was expected to complete within 1-3 business days. 

It is now XX/XX/XXXX and the money has still not appeared in my coinbase account. 

On XX/XX/XXXX I raised a support ticket with Coinbase. They are reporting that they are overwhelmed with requests at the moment, but state they are prioritising cases where money is missing. I got an automated response saying it may take several days to get a response. I has now been a week and I have had no response from them. 

I am now seeing an alert in the Coinbase website stating that they do not accept transfers from XXXX XXXX. My transfer was from XXXX XXXX XXXX. Perhaps this is what they mean, but never the less, its too late to report that when it is not mentioned in their guide to making payments here https : //support.coinbase.com/XXXX
Consumer complaint received 2018-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Experian : Date : XXXX XXXX, 2017 Report # XXXX Former or Current Employers On my credit report is missing one of my current Employers for over 2 years XXXX XXXX XXXX. Phone # XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I have given my Employer address as well as a check stub from them
Consumer complaint received 2018-01-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: PRESTIGE FINANCIAL SERVICES INC (TX)

As many filed complaints against XXXX XXXX XXXX, why this vehicle lender does n't want to reduce my interest of 17 % on my vehicle loan. 
My balance on my vehicle loan keeps rising and there is no remedy for my issues. 
XXXX XXXX and law firm are stating there is no remedy and I am not eligible for a rate reduction. 
Federal Government should regulate Prestige lending practices so Military Veterans and Citizens in the community does n't have to go through the dilemas I am going through. 
There is a {$480.00} collection that Prestige is going to report to XXXX, XXXX  and XXXX and put negatives on my credit report. 
I am XXXX XXXX and XXXX and a US Military Veteran. Plus Divorced.
Consumer complaint received 2017-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (NY)

On XXXX17 my automatic mortgage payment deducted {$890.00} from my savings account to pay my mortgage. On the same date, I deposited {$900.00} to cover this amount in full. On my electronic statements both of these transactions are listed as being completed on XXXX17. I then received an insufficient funds notification. Their company policy according to service reps I have spoken to in the past is that if a deposit and withdrawal take place on the same date then there is technically no insufficient funds. The payment " presented '' the day before and therefore charged me for insufficient funds for a transaction that would take place the NEXT BUSINESS day.
Again, I am penalized for funds not being available the day BEFORE the financial transaction posted and was withdrawn from my account. Customer service argues the semantics of this magical " presentation '' of my payment rather than accept responsibility for an error in their policy vs practice.