davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I have a costco citi card. Two weeks ago, I called and disputed a {$60.00} cash advance fees that I had been charged out of the blue for using XXXX. Citi ultimately reversed the charge and I have stopped using XXXX. However, I continue to see {$10.00} cash advance fees pop up in my transaction history every day or every other day. I dispute everyone of them and Citi removes them, but I am tired of this game. I don't take cash advances on this card, or in general. I try to keep my card paid in full and spend $ XXXX to $ XXXX on it each month. I'm fed up with Citi 's schenanigans. How many people have been assessed a series of {$10.00} cash advance fees for no reason and failed to catch and dispute them?
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

I logged into my free Experian credit monitoring service like I always do when I receive an alert or notice. When I logged in, it took me to another screen that asks if you want to keep your existing " free '' membership or " upgrade '' to a paid credit monitoring service. 

Like always, I clicked the button for keep the free membership. Their system, however, registered my click as " upgrade '' instead of keep free membership. 

I immediately contacted the company via chat to dispute the incorrectly processed selection. The rep informed me, " due to the terms and conditions that were accepted and agreed to, we're unable to issue a refund per our refund policy. '' I never was presented with any " terms and conditions '', nor did the system ever ask for a confirmation of my supposed " order. '' This, in addition to being a deceptive business practice, directly violates Federal laws for Accessibility ( WCAG 2.1 3.3.4, https : XXXX ).
Consumer complaint received 2020-12-17
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: Southwest Credit Systems, L.P. (NJ)

Im not sure why they will not take this off my report after i have sent in my proof this is not mine .... 


I have sent in many police reports and disputes with no real acknowledgement of how these things got on my report and they refuse to tell me how this happened this is my last resort before legal action against all parties involved. identity theft victims should not be subjected to this kind of treatment.
Consumer complaint received 2020-12-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (WI)

I was hoping you could help me again move things along with Shellpoint Mortgage Servicing on getting a release for the property at XXXX XXXX XXXX XXXX, WI from XXXX XXXX XXXX. XXXX, WI The problem started when XXXX XXXX  broke up the three properties into three separate loans but thy kept using the same legal description on all three loans. I spent over TWO years working with XXXX XXXX who bought the loans from XXXX XXXX  trying to straighten this out. I hired a lawyer who they just ignore. So, I went on a letter writing campaign to every government agency I could think of, my Senators, XXXX XXXX XXXX, ect .... 
That finally got a response out of them. Within a couple of weeks, I had my release so I could sell one of the properties. They were in the process of correcting the legal descriptions on the other two loans but unfortunately they sold the loans before there legal department finished correcting the legal description on the two remaining loans.

Now Shellpoint Mortgage Servicing has the loan and I've been trying to get a release so I can refinance one of the properties. I am Kind of on a timetable because the refinance was to pay off a substantial debt that I owe to the USDA for a defaulted Farm loan. We negotiated a very reasonable settlement which we are going to take the proceeds from the refinance and forgive the rest of the debt. My concern is because of the delay in getting the release from Shellpoint for the property they may pull their offer off the table and I'll still be liable for the hole amount. 

Attached is all the supporting documents. Surveys with the correct legal description, Letter from XXXX acknowledging the problem, XXXX release for lot # XXXX. 

At this time I'd be grateful for just the release for lot XXXX from lot XXXX & XXXX. This way I can continue with the refinance and paying off the USDA. At a more convenient time we can work on correcting the legal description on the loan documents. 


XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-07
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have had a collection account which I resolved with the company they gave me a written statement that the trade line would be deleted completely like it never happened before. I sent the documents to the credit reporting agencies but it still shows in my credit report
Consumer complaint received 2020-12-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (DC)

on XX/XX/20, complainant transferred {$300.00} from a XXXX checking account ( XXXX ) with the transaction completed on that day around XXXX. Transfer has not yet been completed with delivery to Citi savings being around XX/XX/20. 
Citi business customer service has not been able to find the pending transaction. 

Their second level supervisor indicate that the fault is with XXXX as the transaction has originated from them. 

I do not know where my money is nor is the bank providing any service.
Consumer complaint received 2020-12-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On the XXXX of XX/XX/2020, I received an email alert from Bank of America that my account has been overdrawn. 
I immediately lack in to my online account and found out that, there have been series of unauthorized transactions from my checking and credit card accounts. 
I immediately contacted Bank of America fraud department and let them know that those transactions was not from me that there should put hold of those transactions. 
The transactions was send to unknown individuals via XXXX and XXXX. 
Three transactions via XXXX XXXX and four transactions via XXXX.Attached copy of statement highlighted. 
Bank of America issue me a case number XXXX. 
The Bank of America department for Debit card credit {$230.00} for cash app transactions. 
{$3.00} for XXXX has not been credit up to this date. I have requested Bank of America to contact XXXX for the unauthorized transactions to know avail. 
Bank of America requested copy of police report which has been fax to them but have still refused to credit my account. 
I am paying credit card charges for transactions which I didn't authorize. 
Its really unfair! 
-Attached is copy of bank of America Debit card fraudulent claim resolved. 
-Police report -copy of Bank of America statements of fraudulent activities in my account.
Consumer complaint received 2020-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc (SC)

I have been banking with Chime bank for about 2 years. They sent me an offer for a credit builder account that is supposed to help build credit. It was my own money that went into the account. Times got pretty hard so I would just transfer my money back into my checking account to pay my bills. I never really used the card anymore, about 3 weeks ago I received an email they closed my account no reason! The problem is I have {$1200.00} in the account. I have no way to get my funds I have called and emailed hundreds of times with no real answers. That is my only money for rent. I am currently on hold now and have been for minutes!! The rep has not picked the line back up I am guessing she hopes I hang up.
Consumer complaint received 2020-12-06
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: Bread Financial Holdings, Inc. (FL)

Comenity Bank/XX/XX/XXXX continues to report an account on my credit report that is has is more than 7 years old and should be removed immediately. They falsely reported that the account was closed in XX/XX/XXXX but that is completely false and inaccurate. The account has been closed since XXXX and should be updated and completely removed.
Consumer complaint received 2023-06-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (PA)

Hello, My Chime account was closed after they locked it on XX/XX/22, I have yet to receive the funds from my account. I was told I would be getting them at the end of XXXX. It is now been six months since I was too have received the fund. Secondly, they have been reversing charges from vendors that I paid months and months ago to a company and now I owe {$430.00} and possibly more chargebacks were done without my knowledge. now they are saying they won't give me back my balance or anything at all.
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XXXX XXXX, 2020, I was added as an authorized user on a credit card with USAA. On XXXX XXXX, 2020, I received the credit card in the mail. On XXXX XXXX, 2020, I informed the primary card holder that USAA was not reporting to any bureaus. He called USAA on XXXX XXXX, 2020, and was told that the card should show up on my report within 30-45 days of adding user. At this point, it had almost been 60 days. On XXXX XXXX, 2020, he called again and was told that everything on their end was good and that I should contact the bureaus. He was told that they reported it on XXXX XXXX, 2020. On XX/XX/XXXX, I noticed that the card/account still had not reported. I called XXXX XXXX and XXXX, and was told by each of them that they did not have any knowledge of this account. They also stated I should request a confirmation number from USAA with reporting dates. We then called USAA on 3-way told them what the bureaus said. The representative informed us that he did not see any information where the card had reported and could not provide us with a confirmation number that was requested by the bureaus. He suggested that we file a dispute on the USAA website, in which we did. I am filing this complaint in order to expedite the process and also because I know that the online disputes can sometimes automatically decline. This is slowing down my family 's home buying process and I would like to get this issue resolved as soon as possible as we have a XXXX XXXX in less than XXXX  weeks. Please help resolve this issue by having my credit report updated ( and backdated to XX/XX/2020 ) when I was added as an authorized user to reflect positive credit card usage. Thanks in advance for your help!
Consumer complaint received 2020-12-05
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FIRST PORTFOLIO SERVICING INC (CA)

XXXX I paid off the balance of {$270.00}. I was called rude the rep refuse to provide me with his name and he refused to transfer me to a supervisor. Also, this debt is falsely being reported on my credit monthly as late starting in XXXX of this year. But when I spoke to a representative I was told last contact with me was made in XXXX ofXX/XX/XXXX They have been falsely reporting on time payments, then falsely reported me as late monthly. This has effected my getting qualified for a home loan. I paid it because I was advised by a potential leander to do so but I was treated very bad in the process. I also disputed this debt twice. They also told me 3 different names so that made it difficult for me to pinpoint what school they was collecting on.
Consumer complaint received 2020-12-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP (CO)

I received a debit card by mail XX/XX/2020 with USBank. I never had or have an account with that bank. I spoke with XXXX by calling the phone number with the card that activates it, explained the problem. She advised they would close the account and I should file a police report ( in process ), file a report with the FTC ( done ) and the Colorado Attorney General ( in process ). She provided some info and apparently the account had my correct social security number, correct home address but incorrect cell phone.
Consumer complaint received 2020-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

I have written to dispute and request to investigate multiple times to all credit reporting agencies, Experian, XXXX and XXXX, and XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SD XXXX, three - ( 3 ) times, to have a report of 30 day late payment from XX/XX/XXXX removed from my record or to have their refusal to change this erroneous data explained. My payments are due on the XXXX of each month. In this instance a payment of {$230.00} was made and credited to my account on XX/XX/XXXX which satisfied the late amount owed in addition to a late fee ( which is correct and accepted ) and the new monthly amount for XX/XX/XXXX. This account was late 17 days in XX/XX/XXXX but was and has never been 30 days late. In XX/XX/XXXX the card itself was paid off in entirety, {$2800.00}. I have submitted all proof via statements, letters and bank drafts and XXXX has refused to remove the late payment or provide explanation as to why they still contend the information is correct. 

These disputes were conducted in XXXX, XXXX and XXXX of XXXX.
Consumer complaint received 2020-12-05
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: American Credit Acceptance, LLC (NC)

I have tried to fix this problem several times with ACA. they have a inquiry on my report on XX/XX/2020 to mu knowledge i didnt give them permossion. When i realized it i reached out thinking this company is upholding the law. I quickly found out otherwise. I did my research many complaints paints them as a bottom feeder type company. They had no permissible purpose. The answer to my question of validation and verification when raised is that. Another company sent over my name and social seeking credit on my behalf.Why would i go to a 3rd party to obtain more inquiries when i can go to them mysel? I never allow anyone to do for me what i can do for myself. ACA believes by brushing me off they will rid themselves of me. No i will not go away until this fraudulent act is justified. I intend to seek remedies that has been set forth to help us from predators like this. I have no knowledge of this i believe the burden of proof is on them to prove that is actually did that. I've been waiting for a answer to no avail. I called them on The phone, they diverted me to their website. I went to website, no place to dispute anything. This inquiry is not mine. I do not want the generic answer which i will attach to this complaint. The generic answer in response to validation and verification with wet ink signature. Dont i have the right to ask that? Being as though 60 % + credit reports have errors fraud or mistakes. I want proof from your company ACA AND I WANT PROOF FROM TRANSUNION ON WHY THEY ALLOW THIS UNETHICAL COMPANY TO HURT GOOD PEOPLES LIVES THAT WORKS HARD? IT'S A SHAME! A SCAM!. IF I GO TO ONE COMPANY THEY CAN ALL SHARE MY INFORMATION WITHOUT MY CONSENT? AND IF NOT WHY WHEN I POINT IT OUT IT'S NOT IMMEDIATELY CORRECTED IF ACA AND XX/XX/XXXX IS HERE TO REPORT ACCURATE DATA?
Consumer complaint received 2020-12-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stern Recovery Services, Inc. (SC)

STERN RECOVERY SERVICE a collection agency has placed a derogatory account on my credit reports THAT I HAVE NO KNOWLEDGE OF. they are attempting to collect on an alleged debt in the amount of {$310.00} for their client : XXXX XXXX. 

I never received a notice from XXXX that they were collecting on a alleged debt from XXXX XXXX. I was never given my right as a consumer which is federal law the opportunity to dispute this debt nor was i ever allowed to request validation of this alleged debt they just place this unknown / invalidated information on my reports as if it were valid when in fact it is not. This is a direct violation pursuant to the FCRA, FDCPA, and the Fair Credit Billing Act ... ... and possibly the HIPAA Act Additionally, North Carolina Courts allow for reasonable time to investigate into the facts regarding validation of a debt ... .reasonable time that I was never allowed
Consumer complaint received 2020-12-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I submitted a complaint XXXX earlier this year concerning a Capital One Bank account I never applied for and is showing a balance total of $ XXXX. Capital One claimed they have proof that I made a payment by check to them on this account and that is their excuse that the account belongs to me. After several attempts calling them for proof of this check, they have not been able to provide that proof. The three issues here is they can not provide proof of the check, they can not provide proof that I applied for the account, and the address they submitted to the Credit Bureaus for the account back back in XXXX is from a XXXX XXXX, AZ residence when I lived in XXXX, AZ. If they can show proof of the check, it will show that I lived in XXXX. I was in High School at the time the account was created. I never applied for any type of credit until XXXX. Capital One allowed someone from XXXX XXXX, AZ to apply for an account with my information and to overcharge the account by $ XXXX. I am the victim of fraud and it is bringing my credit down. Because of this balance, I have not been able to get credit and I have also had to pay for credit protection. I am XXXX years old now and I am being punished financially for no reason. This debt hurts my ability to have a good job or bank account.
Consumer complaint received 2020-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

XXXX XXXX XXXX {$2000.00} Highest Balance {$6000.00} Account Dispute Payment never late FCRA violation. How is this verified? Not Late. Inaccuracies placed on my report. I will enclose in my attached documents, with wrong names, addresses on my report.
Consumer complaint received 2020-12-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Equifax is not reporting my car loan through XXXX XXXX I have filed 4 disputes and each time they fix it the loan will reappear and then 30 days later it will fall off my credit history. The other credit reporting bureaus do not have this problem. I dont know what else I can do to help them to their job.
Consumer complaint received 2020-12-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SCA Collections, Inc. (FL)

On XX/XX/XXXX my dispute letter was delivered to SCA Collection in order to dispute information I had seen on my credit report, I also requested a XXXX Original Issue Document From this alleged collection agency as of today it is XX/XX/XXXX and I still didn't receive any information on this alleged collection and I need it to remove both accounts from each credit bureau immediately the alleged Account numbers are XXXX and XXXX
Consumer complaint received 2017-04-29
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

Ocwen failed to apply our payment received on  XX/XX/XXXX  in the amount {$3200.00} until  XX/XX/XXXX . When Ocwen provided my  XXXX  for  XXXX , Ocwen did not include any portion of my payment received on  XX/XX/XXXX  in the year end tax statements provided to me for interest and I did not receive any tax statements for property taxes for my escrow. I have repeated asked my relationship  manager  at Ocwen why the payment was not included in  XXXX  tax payments and why my payment received on   XXXX   was not applied until   XXXX   XXXX   XXXX  .  Ocwen  fails to respond to my question and has their law firm,  XXXX   XXXX , respond to my complaint.  XXXX   XXXX  provides a payment schedule, but fails to explain why the  XX/XX/XXXX  payment was not applied until   XXXX   XXXX   XXXX
Consumer complaint received 2020-12-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I previously had 2 different mortgages on two residential properties ( in 2 different CA counties, XXXX County & XXXX County ) serviced by Bank of America. Both loans were over 7 years old as of XXXX. Neither loan had impounds /escrow accounts as I paid my own taxes and insurance on both. Neither account has ever been late or delinquent. I sold one property in XXXX County in mid XXXX and the BofA loan was paid off and closed. BofA has now started adding a past due amount into an escrow account for my existing loan and property in XXXX County without explanations, letters, claims etc. I called in XXXX of XXXX and the CS representative agreed and requested internally for it to be corrected. I asked that a letter of explanation be sent and they agreed. No letter was ever sent or received and this was confirmed by BofA now in XXXX. The thousands of dollars they claim I owe ( {$2400.00} ) them has not been corrected. I called again XXXX and was told that my request from XXXX was rejected. No letter was ever sent per BofA CS rep. I was also told that there was now ANOTHER charge of {$6600.00} placed onto my escrow account for property taxes paid to XXXX County on XXXX. Again, I sold the XXXX County property, without any delinquent or past due amounts or judgements, around XX/XX/XXXX. I am very concerned that BofA now claims I owe them over {$9000.00} and they refuse to provide any documentation, send letters of explanations, or correct the problem.