davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-09-09
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. (IN)

XXXX XXXX XXXX. Acct # XXXX Reported XX/XX/XXXX {$1700.00} XXXX Acct # XXXX. Reported XX/XX/XXXX. {$1300.00} & {$560.00} XXXX XXXX XXXX Acct # XXXX Reported XX/XX/XXXX {$12000.00} XXXX XXXX Acct # XXXX closed and paid but still reporting late
Consumer complaint received 2021-02-02
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The Bank of America is holding onto 6000 or more of my money. I'm receiving benefits from the California XXXX. BOA flagged my card for fraud and froze my account. BOA distributed unsecure cards with only magnetic strip technology. I have taken all steps to verify my identification, including visiting a branch in person with several forms of ID. I believe they are deliberately delaying the process for 1.5 million Californians in order to hold and invest this money. Not only is this a failure on behalf of California policy and the EDD to send verification to BOA, but the BOA is deliberately delaying urgency to solve this problem that they created. This delay even caused the The whole system was designed to fail. Distribute unsecure cards, flag and freeze accounts, and continue investing money that is in holding.
Consumer complaint received 2021-02-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Balance went down for a month, they charged me 3 times. Called multiple times never got back to me. Also said they will refund but never did. They stated some bogus FDIC regulation DD, which states nothing about charging 3 times for one month drop of minimum balance.
Consumer complaint received 2021-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IL)

I received a statement in XXXX from Sears Mastercard. I noticed that I had been charged late fees and interest charges on that statement. I always pay my statement seven days in advance of the due date and have never had a problem being charged late fees and interest charges. I immediately called customer service and asked them why they were charging me late fees and interest charges. Sears customer services stated they had received the payment late. It was determined in this conversation that the mail either had been held up or the payment had not been processed in a timely matter at the Sears Office. Customer Service said they would waive the charges. While talking with Customer Service, I pulled XXXX statement and noted that Sears had also charged a late fee and interest charge for that month. Customer Service stated that they had not received my payment in time for that month. Customer Service waived the late fee and interest charge for that month. I had to call back the next day to have those fees waived as Customer Service stated that could not waive fees for two consecutive months in one call. 

I received my XXXX Statement on XX/XX/2021 and it indicates that Sears is charging {$7.00} interest for purchases. I called Sears and talked with XXXX at XXXX XXXX on XX/XX/2021. I questioned why I was being charged an interest charge for purchases. I asked that this charge be waived and explained the circumstances with prior Customer Service calls. She stated that it is their policy that no additional waivers can take place after the two waivers for the prior months. This was not discussed with me by the prior Customer Services Representatives that did the initial waivers. 

I am disputing this charge because I have been faithful in making my payments on time for many years that I have held a Sears Credit Card. These late fees and interest charges were not due to my error but due to the lag in postal service, COVID pandemic and the lack of personnel to process payments issued to Sears Mastercard.
Consumer complaint received 2021-02-02
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. (FL)

I've contact this creditor several times concerning these accounts. I never opened the accounts or benefited from the use of the accounts in any way. The accounts were opened shortly after my identity was stolen which I've explained several times. I also haven't received anything with my signature validating that these accounts are mine.
Consumer complaint received 2021-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST COMMUNITY MORTGAGE, INC. (GA)

First Community Mortgage is the Servicing company for my Mortgage. On XX/XX/XXXX, they without my knowledge or permission dispersed escrow money, in the amount of about {$750.00} dollars to an unauthorized person. This act not only puts my escrow money in jeopardy, in that the insurance payment for the authorized agency is not available. But what also concerns me, is this a security breach in their procedures of save keeping of my money. I want to insure that this NEVER happens again. 

Location : First Community Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX
Consumer complaint received 2021-02-02
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: EQUIFAX, INC. (NY)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-02-02
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by USAA Federal Savings Bank. USAA Federal Savings Bank has knowingly and willfully violated the Truth in Lending Act. Truth and Leading TILA The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I am a Consumer and Veteran who has fought for this Country and USAA Federal Savings Bank would rather use misleading information and deceptive forms to collect on an alleged debt that has been paid for through a consumer credit transaction. This is unauthorized use of my credit card 15 USC 1602 ( p ). Please see attached
Consumer complaint received 2021-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

When the pandemic started back in XX/XX/2020, I was in XXXX, XXXX XXXX, I could not enter the USA due to the pandemic. I had two credit cards with Bank of America, which I was supposed to make MONTLY payment, Since I could not make the payments from XXXX, I called the bank directly to posponed the payments until I could enter the country and make payments myself, I was told not worry that as soon as I enter the country I could make the payment. As soon as was able to enter the country, I started making the monthly payments, which I have continue making the payments on time ever since I was able to enter the USA. However Bank of America without notice, closed my two CREDIT CARDS, even thought they said no to worry that as soon as I enter the country just make sure to start making payments. 
I have visited the bank, I have called many times asking to please reopen my credit cards that they closed for no reason, as they said not to worry that the were going to defer the payment and wait until I was able to enter the country again. 

On XX/XX/2020, I stopped by the branch is XXXX XXXX california spoke to XXXX XXXX, this is her phone number ( XXXX XXXX XXXX to get information as why the credit cards were closed, she said that there is nothing written and they do not know as why the credit cards were closed, still a mystery to all the bankers I have spoken to why my credit cards were closed without notice. I just want to add that the same day I made a payment of {$400.00}. I am a honest person and do not want bank of America to destroy my reputation during this difficult times we all are going through.
Consumer complaint received 2021-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANCO POPULAR DE PUERTO RICO (OR)

I cancelled my credit card account on XX/XX/XXXX but am still being charged an annual fee ( {$150.00} ). I cancelled the account three days after the fee was assessed ( XX/XX/XXXX ) but XXXX will not remove the fee. 

The reason I cancelled the card was because I could not afford the fee. I tried to cancel the card a year ago ( XX/XX/XXXX ) but the customer service rep convinced me to keep it by waiving the annual fee. Now they are saying they will not waive the fee again. I am not receiving any good or service for this fee and have not used the card in over a year. I cancelled the card within days of the fee being assessed, so it's not like I benefited from using the card.
Consumer complaint received 2021-01-31
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LoanCare, LLC (AZ)

after 3 years of struggling to get a loan modification Loan Care finally did so however after all 3 payments Loan Care put me back on a forebearance agreement ; did not sign off on the loan mod, record it or consummate the loan modification Loan Care kept all the payments which were tied to the loan modification but again the loan mod was cancelled so there is no agreement between me and Loan Care
Consumer complaint received 2021-02-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (PA)

I was referred to Rocket Mortgage by XXXX XXXX. In XX/XX/XXXX, I spoke with a representative of Rocket ( XXXX XXXX ) about a mortgage to build a garage and complete landscaping on a house I was building. At the time I inquired about a mortgage, I told the representative that the house was about 85 % complete. He told me that to qualify for a mortgage, the house must have a functioning bathroom, a functioning kitchen, a functioning heating system, and that all the floors needed to covered with flooring or carpet. I was not told that I had to be actually living in the house at the time of the application. I told the representative that I thought the required work would be completed in a month and that I would be back in touch. In XX/XX/XXXX, when the work was completed, Rocket offered me a mortgage at an interest rate of XXXX XXXX and XXXX fees and I signed a document agreeing to the terms. I provided all the requested documents including all personal financial information except a copy of bills showing internet service and cell phone service. I explained that we did not have internet service and that the cell phone bills come to my office or to our rental house. Instead, I provided copies of the electric bill for the house that we were building. Rocket took no action on my application despite numerous inquiries I made about the status of the application. Sometime in XX/XX/XXXX, I was informed by XXXX XXXX, a Rocket/Quicken Loans consultant, that the application could not be processed as a conventional mortgage because we had not yet moved into the house. Instead, he proposed that the mortgage could go forward as a second home mortgage with no change in terms of the interest or fees. Several weeks later, I was told the mortgage could go forward only as an investment property mortgage but as such, the fee would increase from zero to XXXX While I considered this " switch '', the house was appraised by someone hired by Rocket. I decided not to pay the new fee and complained that I would not have started the process with Rocket and disclosed personal information if I had been told from the start that the fee would be XXXX  On XX/XX/XXXX, Rocket sent me a letter falsely saying I was denied a mortgage on the basis of " unverifiable information ''. In my view, Rocket engaged in textbook " bait and switch. '' While I did not lose money, Rocket obtained my personal information and wasted my time that I could have spent looking for other forms of financing.
Consumer complaint received 2021-02-02
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (CO)

I applied for a car care credit card through Synchrony credit. I have spent the better part of the last year fixing my credit up to XXXX, so I really expected it to be accepted. 

However, I was completely shocked to see that I was declined. When I read the fine print a little further, it showed that my score was XXXX. My score hasn't been XXXX for years! And I pay good money to monitor my credit. 

After double-checking, they are, in fact, accessing a completely incorrect credit score. This is a problem because I would never have performed a hard pull unless I thought for sure I'd get approved. As previously stated, I'm rebuilding my credit and wouldn't want to lose even just a couple of points. 

I tried calling and got nothing but scratchy, pre-recorded prompts which ended because I wasn't approved and don't have an account number. There was an option to write them. But, realistically, is that really going to help me? There should be a way to get answers from a real person for something like this. 

I'm actually glad this happened because I would never trust this company to accurately report my payments if they can't even obtain an accurate report in the first place, but something needs to be done. 

Thank you!
Consumer complaint received 2021-02-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (CA)

On XX/XX/XXXX I opened a ticket with the Coinbase.com the online exchange for Cryptocurrency trading as I was unable to log in to my account using my computer while I had the App on my phone working due to the facial recognition to log in to the account active. 

However, the activity I needed to do required me to log into the account and check the details. Coinbase automated responses directed me to follow on screen instructions that kept me going in circles without success. I opened additional tickets after waiting for 24 hours when coinbase did not respond with the account password reset instructions nor ability to reach a human being who can help address the issue. This continued day after day each each time I send an email receive an automated email sending the exact same information that will not resolve the issue. Eventually on XX/XX/XXXX I received an email telling me that an account specialist is looking into my issue and it will be resolved in 3 to 5 working days. 
Since, then I have heard nothing more from Coinbase to all my follow up emails. As a result on XX/XX/XXXX when Bitcoin price reached its XXXX at {$41000.00} I could not sell any of my bitcoins. All my efforts to contact Coindesk have ended in sheer frustration as there is no way to reach any one at the company. No one responds to the emails and I find my self held hostage and unable to access my money that they have locked up in the wallet and I do not know if they will ever give me access to my account. I believe they are not acting in the best interest of their customers but, are only thinking about how to make more money by using locked money in my account. 

I have record of all my emails sent to Coinbase available to support above claims and I need your assistance to resolve this issue ASAP. 

Thanks
Consumer complaint received 2021-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX received an unsolicited credit card application from CapitalOne which included a rebate of {$200.00} after spending and paying for {$500.00} of merchandise. 
XX/XX/XXXX -- applied for card through online portal and was approved for the card XX/XX/XXXX -- received notice that card had been mailed XX/XX/XXXX -- received the card by XXXX XX/XX/XXXX -- activated the card. 
XX/XX/XXXX -- used the card to make a purchase with no problem. Used the card to make another purchase from another vendor and card was declined. Immediately notified CapitalOne, but was unable to speak to a representative who could release the hold on my card. 
XX/XX/XXXX -- finally reached the fraud department, explained the situation two more times and was told the card could only be reinstated if I provided additional documentation.
Consumer complaint received 2021-02-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (FL)

Financed a car on XX/XX/2020 the loan is for XXXX the interest rate is 22.99 % this loan is financed through a corporation called XXXX XXXX. As per Florida Law unless the loan is through a bank or N.A. The interest rate is capped at 18 % clearly 22.99 is over that cap, and almost to the predatory rate that is deemed a misdemeanor by the state of Florida. During my car buying experience I was asked for a down payment of XXXX when I went to sign for the car and additional XXXX $ was then asked for on the down payment.
Consumer complaint received 2021-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

The company, Capital One, has been stating that I've had an account with them it was unsatisfactory and they will not accept my documents to show this was identity theft and not me. They will not issue me a credit card or a business credit card because of this. I have sent NUMEROUS documents to them for several years with no resolution.
Consumer complaint received 2021-02-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

I have a debt from a collection company called PROCOLLECT for the amount of {$2900.00} from a previous apartment that was MY MOTHERS and under MY MOTHERS name. These apartments are called XXXX XXXX XXXX. My mother was the only one on the lease, I did not sign the lease, I wasn't even a resident of these apartments. I tried calling the apartment complex to get them to send me a copy of the lease in order to prove that this debt is not mine. However, the apartments say that they got rid of the contract. I tried reaching out to PROCOLLECT and even wrote them a letter for the 30 day dispute ; they just hang up. They say it does not matter and I have to pay or else they will -threaten to do something else-. There is no way to communicate with them and make them investigate this claim. I do not think it's fair that this is affecting my credit score, showing up, and they are making me pay a debt that is clearly not mine. I am a student, I can't afford to be paying off this kind of debt that does not belong to me. And that is negatively affecting my future. I need someone to make the agency at least investigate the debt, in order to confirm that it's not a debt under my name. Something they are not willing to do.
Consumer complaint received 2021-02-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NV)

1 ) Using their app I attempted to convert one currency ( Graph ) into another currency ( Ethereum ).

2 ) The app confirmed my transaction as Graph into Ethereum and I approved.

3 ) After the conversion, I get a notification that rather than converting my Graph into Ethereum, the system converted ALL of my Bitcoin into Ethereum. This was an unapproved, errant transaction.

4 ) I contacted customer support and for a week only received boiler plate responses that they are looking into the issue. Despite my attempts to reach them, they never actually sent a REAL response.

5 ) I filed a complaint with the BBB and then suddenly I received a response from Coinbase stating the following : Hi XXXX, Thanks for reaching out. Having investigated the issue, we are working with a specialist to address it properly. We will follow-up with you as soon as we have an update.

Thank you for your patience.

Kind regards, Coinbase Support ref : XXXX : ref 6 ) At this time, my Coinbase account was frozen and I was no longer able to access it. I was NEVER notified that the account was being disabled/frozen.

7 ) I have requested information from them five times since and have not had any sort of response whatsoever. 

Ergo -- my complaint is not only for the initial, errant conversion of my assets, but for the freezing of my account/assets without notification. Their lack of communication is infuriating and if I were to guess, illegal.