davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-05
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

USAA has limited, basically blocked my access to their institution because of a credit card charge off, due to a divorce. I have many other accounts with them however I can not access all features of them due to this XXXX charge off. I pay my bills on time and the only negative thing is this credit card. I have since closed my checking and savings accounts with them, but have maintained all insurances with them. I have called USAA multiple times trying to access my information and they have refused to help me in this. Their only excuse is because of I have a credit card in bad standing with them, they have blocked my online and mobile access, and it is not possible to reinstate it until the credit card is back in good standing. This is humiliating, and a punishment from a bank. Absolutely ridiculous treatment to their military/veteran customers. We sacrifice and they discriminate. How is this even legal to do?
Consumer complaint received 2015-04-29
Product: Credit card — 
Issue: Cash advance — 
Company: WELLS FARGO & COMPANY (AZ)

Re : Wells Fargo Credit Card On XXXX I made a payment of XXXX on my account but realized I had done a cash advance in error. Immediately noticing my mistake I called the bank and talked to someone in the checking dept. who made the payment for me. She the transferred me to the credit card dept and the gal told me she would reverse the transaction. 
On XXXX I looked at my account and the reverseal was not made. I called the credit card dept again and spke to another gal who said she would reverse the transaction, instead she reversed the payment in error. 
On XXXX I again called the credit card dept and spoke with a supervisor named XXXX and asked me to call back again when the deposit posted to my checking account and all the fees and reversals would be adjusted, On XXXX I checked my account and now had a late payment of {$15.00} and called again. XXXX told me to make the payment and then call back when is was made and all the adjustments would be done. 
I believe I have been getting the run around and the bank has ignored my calls and emails. Please help
Consumer complaint received 2016-07-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: EOS Holdings, Inc. (CO)

This letter is being sent to you in response to the above reference account that EOS CCA has reported and listed on all three major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION HAS BEEN REQUESTED! 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for-HAS NOT BEEN LEGALLY PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW! 
Explain and show me how you calculated what you say I owe- HAS NOT BEEN PROVIDED BY EOS IN THE TIME FRAME ALLOWED BY LAW! 
Provide me with copies of any documents that show I agreed to pay what you say I owe- HAS NOT BEEN PROVIDED BY EOS IN THE TIME FRAME ALLOWED BY LAW! 
Identify the original creditor- HAS NOT BEEN PROVIDED IN TIME FRAME ALLOWED BY LAW! 
Prove the Statute of Limitations has not expired on this account- HAS NOT BEEN PROVIDED BY EOS IN THE TIME FRAME ALLOWED TO THEM BY LAW! 
Show me that you are licensed to collect in my state- HAS NOT BEEN PROVIDED BY EOS IN THE TIME FRAME ALLOWED TO THEM BY LAW! 
Provide me with your license numbers and Registered Agent- HAS NOT BEEN LEGALLY PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW!
Consumer complaint received 2016-12-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc. (IL)

i received a forwarded piece of mail on XX/XX/2016 from CMRE FINANCIAL SERVICES and have not been given : Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent
Consumer complaint received 2015-07-21
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP (FL)

I WAS CHARGED A HIGHER INTEREST RATE BY HONDA FINANCIAL SERVICES BECAUSE I AM XXXX AND WAS DISCRIMINATED AGAINST AND WAS ALSO CHARGED GAP INSURANCE WITHOUT MY CONSENT AND TOLD I HAD TO HAVE IT IF I WANTED THE CAR. THIS ALL HAPPENED AT XXXX XXXX OF XXXX.
Consumer complaint received 2016-04-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I made the XXXX/XXXX/16 loan payment of {$2800.00} to SLS and the check was cashed XX/XX/XXXX according to my bank XXXX XXXX. Apparently they posted the funds to someone else 's account. I received a call from SLS after this and have been checking their online system and calling them almost daily. They have been unable to correct their error and now are sending me delinquency notices. I would like to be compensated for my time and have the accounting fixed immediately.
Consumer complaint received 2018-09-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NY)

Hello my name is XXXX XXXX, On XX/XX/2018 all the funds in my Coinbase account was transferred to an address without my consent the total was XXXX.ethereum with a value of XXXX XXXX dollars usd at the time of transfer and XXXX.litecoin with a value of XXXX XXXX XXXX XXXX dollars usd I contact Coinbase, and with no help my email address XXXX, please contact me
Consumer complaint received 2016-08-11
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: SYNCHRONY FINANCIAL (IL)

syncb/gap charged off my account for XXXX dollars while I had already paid XXXX this shows on my credit report and this is from 2010. They put a judgement on my record disabling me from getting a job without my knowledge. I had received a summon and responded to it in the mail that I paid this debt and closed the account. since the collections company is in business with the judge they still disregarded the letter and put the judgement. The collections company will not provide me with copies of statements showing that I paid what GAP wanted me to pay in order for me to close the account. They stated that I need an attorney to call them to get the records. Attornies do not call debt collectors. The debt collector is XXXX at XXXX and XXXX and I have received threatning calls from them stating that they will put a lien on my house. After further research I discovered that they have a court date to move this case to a different district which may be corrypt so they can further put a lien on my house. How can there crooked people get away with this - so GAP charged off XXXX then sold the debt to thes epeople plus made money on my XXXX which they will not disclose? This is outright fraud! So they are using my social security number and they will not send me my own statement, putting the legal system in front because they know that it is corrupt? I sent letter to GAP and Sync bank and noone will respond becaus ethey think that in front of a corrupt judge they can get away with pulling this off? The court records show that they are trying to move this to a different disctrict number XXXX. I talked to a XXXX at XXXX and I asked for the records and she stated that I need the attorney to call them for my records from 2010! ~ I want my GAP statements from 2010 showing my history and payments! My number is XXXX or e-mail XXXXXXXXXXXX XXXX name is XXXX XXXX
Consumer complaint received 2015-09-14
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP (LA)

Dear SirsUS Bankloan numberXXXX XXXX XXXXI am writing to you because I have some concerns with this " MISTAKE '' by US BANK .. '' DISTRESS OR FRUSTRATIONS '' Yes we did a short sale, due to my a unforeseen Illness in myself and I could not work in XX/XX/XXXX, We did not buy nothing for over three years, just made sure we repair our credit. 

because of US Bank mistake we have higher Auto insurance, we could not even get renter insurance, because of itwe are now paying higher interest rates on our vehiclesIn XX/XX/XXXX we started the process of buying a house After 5 years of waitingwe paid for escrow ( non refundable ) XXXX we paid for a home inspection ( XXXX ), we paid for appraisal ( XXXX ) to be done and a HUD inspector ( XXXX ) because we were trying to get a foreclosed house and get a XXXX loan. title work. because on XXXX XXXX XXXX report it only states paid in full.. but in cyber world it was showing pre foreclosure so we were denied the loan. My loan officer told me it was something about a house in pre-foreclosure But I told her it was a Short SaleSo we lost that house, I paid all my new debt, per my Loan officer next time we should not have a problems, just your Autos on our credit with over 19 % interest rates because of our creditso I waiting XXXX months this time, the same house came back on the market, we put in a offer and put in our money to escrow this time XXXX non refundable and another appraisal XXXX because the other XXXX had expired, I new I was going to get the house, I was approved for a conventional loan, But I had some Disputes on my credit report I had to undo those and my loan office said had to run XXXX again and it came back " approve with caution '', because of a pre-foreclosed on credit.. 
now I called the US Bank, I called I pleaded I explained I had my paper work I talked to over XXXX people in customer service .on a conference call with the XXXX XXXX XXXX XXXX and US Bank , still not fixed talked to loss mitigation, faxed at least XXXX faxes showing cash sale deed and my husbands credit report ..they told me they could not do nothing they only kept there records for XXXX years that no body could help .. 

Why writing to you I need to be compensated for all the money I have had to pay out for US Bank mistakes, But the moment I reported to the XXXX, Now XXXX US Bank have " Customer Advocacy Specialist " all the sudden why did they not tell me that from the beginning I lost a lot of money and time because of US bank mistake the customer service they were rude, and would not let me to talk to a manager, telling me do this! do that! that it could not be done unless I disputed it, because of this I lost the house again and I am very upset about this .. 


XXXX XXXX XXXX XXXX
Consumer complaint received 2015-11-05
Product: Credit card — 
Issue: Cash advance fee — 
Company: BARCLAYS BANK DELAWARE (MN)

I was contacted by Barclaycard XXXX Department advising me that my account ( XXXX ) was blocked and that I needed to go to a banking center and attempt to do a cash advance, and have the bank teller call them to verify my State DL and identity. Which I did and they charged my account a cash advance fee of ten dollars. I put the the money that was withdrawn back to account immiedityly, I contacted barclay to remove the fee, however they stated they will not. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -The other issue is that on XXXX/XXXX/2015, I did a balance transfer on the wrong account which was for {$5800.00} to XXXX XXXX XXXX XXXX when I found out it was the wrong account I did the balance transfer I made a payment of {$6100.00}. to take of the balance immediately, however Barclaycard charged me a {$230.00} balance transfer fee as well as a {$49.00} and XXXX interest charge balance fee.
Consumer complaint received 2022-02-16
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: EQUIFAX, INC. (CA)

I need you to investigate the following accounts you claim to be accurate on my credit file XXXX XXXX XX/XX/XXXX AXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This a Violation. Delete this account immediately Please show me detail documentation including an application signed by me otherwise delete this unverifiable inquiry from my credit file.
Consumer complaint received 2016-12-16
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Monterey Financial Services LLC (GA)

I was told by the auto repair company that I was getting a line of credit with the actually repair company not a lending service, and then when they repaired my vehicle, they cracked my windshield, put no transmission fluid in my vehicle nor oil, weeks later my entire truck broke down. I informed that that I would not be paying for those services until my vehicle was repaired. My vehicle was never repaired causing me to have to junk it and now me and my XXXX kids are without transportation.
Consumer complaint received 2016-08-19
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (ME)

The Care Credit card which I use when I have work done on my teeth at XXXX XXXX on XXXX XXXX in XXXX, Maine is a part of General Electric 's Synchrony Bank. It 's a great concept and I enjoy the flexibility it affords me. My issues are this : They have these promotional programs which offer lower interest over a short period of time then when they end the cardholder gets whacked with a large amount of unpaid interest which if not paid is added to the running balance on the account. I find this unfair. 
XXXX, Synchrony Bank ( Care Credit ) wants the vendor ( XXXX XXXX ) to not charge the customer less than {$200.00} on a procedure. For example, I have a XXXX appointment which costs me {$100.00} but they charge my card {$200.00} and keep a {$95.00} credit balance. They capture {$95.00} of my money and hold onto it instead of just charging my card the {$100.00} for the appointment. The {$95.00} credit is used to pay towards the next procedure. 
This was explained to me by the people at my XXXX XXXX location. I object to this policy by Care Credit. XXXX told me that Care Credit wants its vendors to do this.
Consumer complaint received 2016-09-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Optimum Outcomes, Inc. (GA)

i checked my credit today and found that this company reported me without even trying to contact me i have dispute this debt with other collection agency at one point thru cfpb but they continue to harass me i have several issues with this company also
Consumer complaint received 2015-06-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northstar Location Services, LLC (TX)

This debt is not mine. First, XXXX XXXX XXXX tried to collect I requested verification of the account, the information was not provided. Now, I received another collection letter from a different company for the same debt.
Consumer complaint received 2015-08-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (CA)

From : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX : ( XXXX ) XXXX : XXXXPHH Mortgage Corporation Loan Number : XXXX : Consumer Financial Protection BureauRegarding : XXXX XXXX XXXX XXXX XXXX ) PHH send me a letter dated XXXX/XXXX/2015, stating that I was not eligible for a Homeowners Assistance Program, and that you are the " owner of your mortgage loan : XXXX XXXX XXXX XXXX XXXX ''. 
2 ) Your customer service department stated you are not he owner of my loan. 
3 ) A Notice of Trustee 's Sale was posted on my front door for a sale date set for XXXX/XXXX/2015, stating that are a Trustee for XXXX XXXX Mortgage. 
4 ) A Notice of Trustee 's Sale was posted on my front door for a sale date set for XXXX/XXXX/2015, stating that are a Trustee for XXXX XXXX Mortgage. 

I 'm requesting of you to provide me under the California Homeowners Bill of Rights, Mortgage in General-California Civil Codes : 2923.55 and 2923.6 and 2923.7 and 2924.9 and 2924.17 and all other Civil Codes that applies. 

Copy of the Note The Recorded Name on the Deed of Trust Any Assignment Notice of Trustee 's Sale for XXXX/XXXX/2015 and XXXX/XXXX/2015 All Evidence Required to Demonstrate the Right to Foreclose The letter Fair Debt Collection Practice Act ( FDCPA ) The Wet Signature because of Robo Signing Explain Securitized Loan Explain Mortgage Electronic Registration System ( MERS ) Explain XXXX XXXX XXXX Explain XXXX Explain XXXX XXXX XXXX XXXX of XXXX pages
Consumer complaint received 2015-08-03
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

This complaint is being sent to Wakefield & Associate in response to the above reference account ( XXXX & XXXX ) that Wakefield & Associates has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION HAS BEEN requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that your offices have reported invalidated information to all of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action constitute Fraud under both federal and state laws. Due to this fact, the negative mark that has been found on my XXXX credit report by your company, or companies that you represent. I will not hesitate in bringing legal action against Wakefield & Associates for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character
Consumer complaint received 2018-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (CA)

The company XXXX XXXX XXXX has been calling our home telephone number repeatedly to collect a debt that is not owed by us. We have asked them to remove our number from their list and stop calling us, but they refuse to do so.
Consumer complaint received 2015-04-26
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (NY)

I had an vacant land mortgage loan with XXXX Bank which opened XX/XX/XXXX. 
I was never late until they bankrupt in XX/XX/XXXX and than during 2 year extensionuntil XX/XX/XXXX. Loan payments was {$220.00} and have told my mortgage sold and becamemature. All due about {$37000.00}. I could n't pay off. I have told " you will hear fromfrom us. Your account has been closed. We will returning your payments ". 
XX/XX/XXXX I have served foreclosure papers. They never took any action but just XXXX court filings. Around that time they start informing credit bureaus as a lalate with ( F ). They chanced bank name to XXXX and deleted all good paying paid history. So my score dropped from XXXX-XXXX to XXXX-XXXX with Open ( F ) andlate payments. Now account closed but showing XXXX late payments. XXXX pointsdown to XXXX-XXXX. I am disputing with credit bureaus to delete late paymentsbecause if I ca n't make my payments to my closed account " how could belate if account do n't except payments? Balance could go up but you can'tpunish me with saying late. XXXX and XXXX did not delete butXXXX corrected. Still playing with their rules for delete. Maybe oneday I can scoreXXXX points more than bankrupt person.
Consumer complaint received 2015-03-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: American Collections Enterprise, Inc. (MD)

This company promised to delete items from my credit bureau files in return for payment in full on XXXX medical accounts. They promised to provide written documentation and electronically delete the items immediately. They never sent the deletion letters as promised and demanded I send a self addressed envelope fro a " second mailing '' per the company policy. I have received the letters for my records but the items remain on my credit files months after the agreement and payment.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

Experian, has reported inaccurate information. Also in accordance with the Fair Credit Reporting Act, 15 USC 1681 section 604a section 2, states a consumer Reporting agency CAN NOT furnish an account without my written instructions. In addition I feel my rights were VIOLATED, and ask for my right to privacy in accordance with 15 USC 1681 section 602, states I have the right to privacy