davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (HI)

On XX/XX/XXXX I made a payment of {$400.00} to Discover Card via the Discover App. 

In the Discover app it states the following : Payments submitted before XXXX XXXX. Eastern Time ( ET ) with a payment posting date of the same day will be credited to your account that day. After XXXX XXXX ET, payments can not be submitted with a posting date of that same day. Payments scheduled for a future date will be credited to your account on the date selected. 

I made the payment of {$400.00} before that deadline, and my available credit was posted as stated above. 

On XX/XX/2020 while trying to make a purchase, I was not authorized, I paid in cash now with that said I called Discover and spoke with a representative and discover stated that my payment is under review and may take up to 8 days, until the payment clears this is very conflicting. 8 days my due date is the XXXX of every month so I get charged the late fee, Discover gets my {$400.00} I have to wait 8 days. 

I have been with Discover for approximately 5 years I have never experienced this, this is the 2nd time. Discovers actions is now affecting my credit report. 

I have since called my bank and put a stop payment on the {$400.00} to Discover. I hope the CFPB can find a reasonable explanation or this as I see another XXXX XXXX shady shenanigans in the making.
Consumer complaint received 2020-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK (NJ)

A discover card account was opened in my name and the charges were disputed with the 3 credit bureaus. The fraudulent acct. was removed in approx. XX/XX/XXXX. Since then, on approx. XXXX a Discover card credit application email came to me. I called Discover and was told that it was fraud and that the inquiries would be removed from my credit report. Today on XX/XX/XXXX, I have received an email statement that says that I am approx 3 months past due on a Discover card account with a balance of approx. {$10.00}, XXXX. I do not have a Discover card and do not have the related acct. number. This is the first time that I have been contacted by Discover about this account. I have also noticed today that my credit scores have been hit for 30 days late on this Discover card acct. ( ending in XXXX ). I do not have the acct. number because I do not have a Discover credit card.
Consumer complaint received 2020-01-18
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: TRANSWORLD SYSTEMS INC (TN)

I have no knowledge of this account, therefor i believe i am a victim of identity thief. I haven't received any money of services from this company.Please help me get this debt collector to investigate this account : TRANSWORLD SYSTEM INCXXXX XXXX XXXX XX/XX/2015 {$1400.00}
Consumer complaint received 2020-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have several accounts on my credit report that are not mines. I have reached out to the companies to help me get these account removed but they refuse to help me. Please help me get these account off. I believe to the best of my knowledge that i am a victim of identity thief.The following accounts need to be investigated : XXXX XXXX XXXX XXXX XX/XX/XXXX {$10000.00} XXXX   XXXX XXXX  XXXX XX/XX/XXXX {$15000.00} XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$530.00}
Consumer complaint received 2020-01-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optimum Outcomes, Inc. (NC)

I sent a debt collection validation letter to this company on XX/XX/2019 their response in their letter they sent back to me clearly violates my HIPAA rights because I never signed the HIPAA release form with XXXX XXXX XXXX, XXXX, to share my information with Optimum Outcomes , Inc .
Consumer complaint received 2020-09-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Today XX/XX/2020 I just received the results from my dispute with XXXX   credit reporting agency. I disputed Bank of America account that shows as derogatory. The results were the bank said its accurate. I received a letter from Bank of America stating it will be deleted off my credit report. I uploaded the letter to XXXX as well to show prof the bank agreed to remove it but never did what they said they would do. I am uploading the letter here as well.
Consumer complaint received 2020-01-17
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

After taking a look at my excellent credit score, I noticed on my XXXX account and XXXX on XXXX, that your company posted a collection on my account without first notifying me of an alleged debt. I have reason to believe I do not owe this debt The Fair debt Collection Practices Act ( FDCPA ) .. has certain rules in place to avoid fraudulent collections, and you did not follow their policies. You are to notify the alleged debtor of such debt to confirm is a legit debt, and the person you are harassing is the correct person and not someone else. I was never given that opportunity to view your alleged collection, and should have been allowed to respond to your demand letter within 30 days after receiving such notice I have to notify you that you are in violation of the Fair debt Collection Practices Act ( FDCPA ) .. 
I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name, mailing address and Email Address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4 Itemized breakdown of money owed and why 5. Demand an immediate cancellation of the Credit Card and an investigation report sent to me as to who and where such credit card was mailed too and who activated it and when If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. 
Any and all future demands I request to be mailed certified and with a tracking number to avoid any confusion Sincerely, XXXX XXXX XXXX XX/XX/2020
Consumer complaint received 2020-01-18
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. (TN)

I have several accounts on my credit report that are not mines. I have reached out to the companies to help me get these account removed but they refuse to help me. Please help me get these account off. I believe to the best of my knowledge that i am a victim of identity thief.The following accounts need to be investigated : XXXX XXXX XXXX XXXX XX/XX/XXXX {$10000.00} XXXX XXXX XXXX   XXXX XX/XX/XXXX {$15000.00} XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX/XXXX  XXXX XX/XX/XXXX {$530.00}
Consumer complaint received 2020-01-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

8-10 months I have been disputing errors on my credit report with all three bureaus and Original credit and none of the accounts have been investigated since they all show account not disputed as if everything has fallen on deaf ears and pushed to the side with XXXX, Transunion, and XXXX. The bureaus have not provided me with very important documents after several requests and methods of verification including validations.
Consumer complaint received 2020-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America has put a - {$880000.00} pending hold on my checking account as some sort of fraud review hold or something ( making my account super negative ). I don't use this bank account much and only receive couple friends money last week. I do not know why BoA put this amount of hold to my account. I can not use my checking account now, I still have about {$5000.00} in it.
Consumer complaint received 2019-07-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (TN)

Hello, My current Auto loan is with Santander Consumer Finance. I have made my monthly payment above the origination amounts. The payments are not being applied correctly to the interest/principal columns. 

Santader and I have has the account audit and rectified once already. I made my payment this month above the amount due and the same problem continues to happen they are applying funds incorrectly to interest/principal columns. This misappropriation is to their favor. 

I told them I didnt want to go through this every month. I mentioned to them after speaking with the executive team of the office of the president and trying to rectifying internally that if it continues to happen I would file with the CFPB along with my Attorney group. 

I have supporting documents as well as i assume their recorded phone conversations. 

I've dealt with XXXX XXXX XXXX in the executive office. I've explained to them there was a problem with there system and appropriation of funds. They clearly acknowledged after adjusting accounts but we are continuting to have the problem.
Consumer complaint received 2020-01-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc. (OH)

This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature from Franklin Collection Services Account Number. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. I am also requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX I attempted to refinance my mortgage however, The mortgage company informed me that they were unable to pull my Experian credit report. Message : Consumer information did not match any records at Experian. Since then I have called multiple times to get the problem resolved. Although Experian automation system said that my credit file was locked, reps and supervisors say that their is no lock. Til this day, Companies are not able to pull my report and score. Experian has not been helpful in getting the problem fixed. Two other mortgage companies have attempted as well and they also are not able to pull Experian report. I contacted Experian on numerous occasions to inform them that their must be something wrong with their systems because I am getting the same results from other companies.
Consumer complaint received 2019-07-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

I had an account with XXXX XXXX. I switched to a much cheaper company in XX/XX/XXXX. I was set up on auto pay with a credit card and always paid my account on time every month. I paid a portion of my final bill while I waited to get my final bill to know what was owed. After a few weeks I went to the website and it showed a XXXX balance. I checked back a couple of times showing the same balance. When I called them I was told there was a XXXX balance so I didn't worry about it any more. Then a few months later I received a notice from a credit monitoring service that I had a collection account. I called XXXX again and they assured me I had a XXXX balance. I then was able to track down ProCollect who said I owed {$300.00}. I called them on XX/XX/XXXX, and they told me that if I paid it that day they would remove the collection from the credit bureau. I paid immediately. Not only did I pay it on XX/XX/XXXX, they didn't report it to XXXX until XX/XX/XXXX, almost 6 weeks later. My main complaint is I was told they would remove the collection from the credit reporting bureaus and they did not! They just reported it as paid. 

My credit history shows a perfect history of paying on times for years. XXXX told me and it was shown on my online account as paid so I could not make any kind of a payment. I never received any notification of a collection until I received a notice from my credit monitoring service. 

I paid ProCollect on the very first phone conversation and paid an amount that wasn't verified other than what they told me it was mostly because I thought it was close and they said they would remove the report from the credit bureaus. 

They should have to do what they say. They have a recording of our conversation.
Consumer complaint received 2019-07-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I opened a new One Deposit Checking account with Citizens Bank  on XX/XX/2019. The online signup page states that I will be receiving a {$600.00} bonus with a single employer direct deposit of {$2000.00} and the bonus will be posted by XX/XX/XXXX. I completed the requirements on XX/XX/XXXX. The bonus has not been posted as of today. I have made repeated attempts to contact the bank via secure message but my inquiries remain unanswered. I have also included screenshots of the offer page and the bonus posting schedule below.
Consumer complaint received 2019-07-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WA)

I sold a personal item for {$33.00} and the payment was deposited into my paypal account a few weeks ago. This is the current balance in my paypal account. 

I tried to make a donation to a charity today, and the transaction would not complete. 

I spoke with online assistance, and they refuse to release the money unless I connect a bank account or debit/credit card. 

I do NOT want to do that since a family member had nearly {$1000.00} stolen from her bank account by paypal making fraudulent, unauthorized transactions, and the bank had to file charges to get that money back! 

I WANT MY MONEY AND PAYPAL REFUSES TO RELEASE IT AT ALL UNLESS I GIVE THEM BANK ACCOUNT INFORMATION. THIS INFORMATION IS NOT POSTED WHEN OPENING AN ACCOUNT OR WHEN NOTIFICATION IS SENT THAT MONEY HAS BEEN DEPOSITED IN A PAYPAL ACCOUNT.
Consumer complaint received 2019-07-30
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: R & B Corporation of Virginia (AZ)

They called a family member, who has no association with the account in issue whatsoever, and aggressively got into specifics about exactly what amount ( s ) are/were owed, when, what adjustments were made, etc. I told them this was not acceptable, and they told me they can continue to call her to attempt to collect this {$9.00} ( arguably invalid ) underlying debt.
Consumer complaint received 2020-09-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (MI)

I have transferred money to my moms account in XXXX on XX/XX/XXXX by using remitly money transfer. With the transaction numberXXXX XXXX XXXX XXXX MONEY WAS NOT DEPOSITED TO MY MOMS ACCOUNT AS PROVIDED. i have tried contacting them every day since 3 months to get the refund back.they keep telling me that theg are escalating this to thier partner bank. The amount was {$1100.00} which was really important to me and big money to help my parents during pandemic.
Consumer complaint received 2020-09-22
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: AMERICAN EXPRESS COMPANY (IL)

On XX/XX/2020, I made a purchase on XXXX totaling {$91.00}. The third party merchant is XXXX XXXX 's. Unfortunately, the merchant is saying the product was delivered to my home address however I never received it. Because I did receive several other packages around the same time, this is likely a case of the shipping provider marking the item as delivered but accidentally left it in their vehicle. 

I initially tried to contact XXXX to work out with them but they refused and told me to file a chargeback with my credit card company ( attachment # 1 ). 

I've tried twice to file a dispute with American Express but they continue to rule against me. 

I DID NOT RECEIVE THE ITEM. The item was either left on the vehicle and mark delivered OR the box was stolen. Either way, I REFUSE to pay for an item I never received.
Consumer complaint received 2020-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UMB FINANCIAL CORPORATION (IL)

UMB Bank locked my banking account immediately after opening and has forced me to turn over several pieces of personal information to 'verify ' my identity even after completing the application in full and receiving approval. Requesting copies of social security documents, mortgage documents, and drivers license are incredibly invasive and unnecessary, especially since account has already been approved and my identity verified. They are threatening to close my account if I do not supply documents by XXXX.
Consumer complaint received 2019-07-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

Auto purchased using Capital One Auto Navigator with required use of their particular dealerships. Purchase completed XX/XX/2019 with XXXX at address XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Sales tax, title & licensing fees financed into purchase for a total of {$1700.00} and were paid to the dealership. After more than 60 days and the temporary tags have expired, I am unable to get a response from the Capital One required dealership, XXXX, and Capital One is claiming there is nothing they can do because the title has not been issued. However, I am still required to make the payments for an automobile I can not legally drive due to expired temporary tags and no permanent tags that have been prepaid for.
Consumer complaint received 2019-07-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (VA)

I am attempting to sell my home and pay off my home loan with PHH Mortgage. PHH has been awful to work with. I attempted to obtain a pay off several times on their website, which does not work and I advised them it does not work. My attorney, under my authorization has contacted them several times over the previous several weeks and has been unable to obtain a pay off amount. It seems like they make the process difficult, confusing or technically difficult to avoid customers paying off. I am extremely frustrated and as you can see, my attorney is also. PLEASE HELP ME! We need my payoff statement faxed to my attorney at XXXX From : XXXX XXXX Date : Mon, XX/XX/2019 at XXXX XXXX Subject : XXXXXXX To : XXXX XXXX XXXX ; I am still waiting on the official third party payoff statement : yours was good for providing a figure, but we need the official one as a third party generated and with full remittance details. I should have had my request filled on Wednesday, or Friday, or by now this morning. I am beyond beyond frustrated with PHH and their call center. I have faxed the requests twice in XXXX, twice on XX/XX/XXXX and twice today and they refuse to acknowledge acceptance, generate a statement for me, or provide an email address so that I can ensure the faxes are getting to them. ( My fax system shows all XXXX of the requests were successfully transmitted. ) Can you call them at XXXX and ask them to fax the statement for loan nr XXXX to me at XXXX, please? I will note for my files that all PHH payoffs going forward will have to be ordered by clients. Ive spent over an hour on the phone today as well as all the transmissions and its beyond my tolerance levels. I am sure you are over it too, by now.
Consumer complaint received 2019-07-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

I am enrolled with XXXX XXXX through My Fed Loan to get the .25 % interest rate deduction. The frequency of my paychecks have changed, and occasionally my paychecks come sooner than my loan due date, so I often like to pay early, and I always pay more than the amount due. I called Fed Loan to ask if I could temporarily suspend my direct debit, and asked if the interest rate would increase if I proceeded with this change. On the phone, I was told that the interest rate would not increase for a temporary suspension. On the Fed Loan website, there is no information stating that the interest rate would increase in the event of temporary direct debit suspension. I checked under direct debit FAQs and other parts of the Fed Loan website. Today I logged in, and my interest rate has increased .25 %. I called Fed Loan today and they confirmed that my interest rate will increase .25 % temporarily, until my next due date. If this is the policy of Fed Loan, this policy needs to be clearly stated on their website for consumers to be informed when they are making decisions about how to repay their loans. Their customer services agents also need to be better informed and give out correct information to their customers.