davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

Being lied to or given misleading information by a company is considered both an unfair and deceptive practice and is in violation of Unfair, Deception, and Abusive Acts Practices ( UDAAP ), under the Dodd-Frank Consumer Financial Protections Act of XXXX. 

Account number : XXXX XXXX XXXX XXXX I filed a dispute for a {$310.00} charge from a fraudulent company overseas, which was shut down by XXXX. The dispute was closed in my favor in XXXX of XXXX, but then PayPal charged me again because the seller said he sent the product to me, which did not even arrive until XXXX - 3 months after the dispute was closed. When the products arrived, it broken. I redisputed, and contacted PayPal Credit ( Synchrony Bank ) on XX/XX/XXXX, and again on XX/XX/XXXX. Both times, the representatives told me that it was over in my favor and that there won't be any more charges or re-dispute. The second representative ( supervisor named XXXX XXXX XXXX told me he will send in all documentations. 

Today, XX/XX/XXXX I learned that my account was charged again, so I contact the rep and talked to the supervisor. I showed them the chat transcripts and was informed that the previous representatives both gave me false information about the status of the dispute. Additionally, I was informed that the previous rep I spoke to could not even send over the documentation as promised, because they do not have the capabilities to do so. PayPal Credit now informs me that they are unable to help me, and that I must re-open another dispute. 

In total, I have been re-charged by a known fraudulent company three times, and have been given misinformation by company representatives on two different occasions. In addition to the hours I have spent attempting to resolve this issue, I am have been treated by multiple representatives in a way that violates UDAAP.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account Name : XXXX Account name : XXXX XXXX XXXX Account Name : XXXX
Consumer complaint received 2021-02-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (GA)

I paid for the loan application fee. During the approval process our company merged with another company and my wife transferred her ownership to me. The entire time I stayed a W2 employee. they stated we suffered a income loss and wouldn't approve the loan. I have a credit score of XXXX, no debt but the two houses and a car lease. Income did not change. I think they figured out that this second house was on a leased lot with GA Power and they could not follow through with the rate they promised. They transferred my flood insurance to them as the beneficiary before we even closed. I had to track down my insurance agent and switch it back to my existing lender. Now that they denied the claim they won't cancel the loan request and stop requesting information to complete the process. I have left 6 phone messages, 10 emails and 10 text messages. I was assured on friday it would be taken care of by close of business. Still getting requests. Horrible response, will not return calls and will not complete what they promise. Horrible experience.
Consumer complaint received 2021-02-05
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

On XX/XX/XXXX after reviewing my XX/XX/XXXX statement and noticing numerous XXXX charges, I reported fraud to both Capital One and XXXX. On said date Capital One issued temporary credit. Thereafter on XX/XX/XXXX, XXXX agreed with fraud claim and refunded all XXXX charges in the sum of {$2800.00}. On XX/XX/XXXX, I advised Capital One that the money was refunded and advised them to remove temporary credits and refund the balance owed to me as I previously paid Capital One in full and had a zero balance on my card. I was told it would take 7-10 days for me to receive a check. It was not until XX/XX/XXXX that they made credit adjustment. It has now been over 3 weeks since I requested refund and I still have not received it. Not only are they keeping money rightfully refunded by XXXX. XXXX but they have issued a freeze on my account and I do not have access to my XXXX credit limit. When I inquire they state the investigation is not complete which is completely unfair since I timely paid all my monthly charges and they have also received a full refund of all the charges from XXXX who found that my XXXX was compromised through no fault of my own when I purchased a new Apple XXXX in XX/XX/XXXX. Capital One is wrongfully withhold my refunded funds as well as keeping a freeze on my credit card which had a zero balance and has been paid timely monthly for several years. They are prohibiting access to funds which are rightfully mine through no fault of my own. XXXX properly investigated and determined the charges were not valid and issued a full refund.
Consumer complaint received 2021-02-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (WA)

I am writing regarding my Commenity XXXX credit card. 

On XX/XX/XXXX, I paid off the complete balance on this card, which was {$63.00}. On XX/XX/XXXX, I received my new billing statement from this creditor. I was very amazed to see my new purchase charges are now {$310.00}!! The last time I used this card was early/mid XXXX, XXXX. I have not since, nor has anyone else, used my card. Understandably, I was upset, and called Commenity/XXXX as soon as I could, the next morning ; XX/XX/XXXX. I spoke with them and they canceled my card and opened a dispute. However, I was informed, the dispute could take 30-90 days. I am currently trying to purchase a home. My Mortgage Officer, as I just called him, can not give me the pre-approval letter I need for my home purchase until the dispute is resolved/closed. I can not afford to wait 30 days, let alone 60 or 90!!! I really need this resolved immediately and appreciate any assistance you can give. Thank you.
Consumer complaint received 2021-02-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (NC)

Opened a bank account on XX/XX/XXXX at the branch for the direct deposit and was given a bank account number ending XXXX. I updated all my direct deposit information with my employer. On the payday, I did not receive my salary and checked again on XXXX, XX/XX/XXXX. After, scrutinizing I realize the account number is completely different in the Wells Fargo system I have logged into. This new account ends at XXXX. This was completely different information and I check with the XXXX customer care, who directs me to go to the branch to resolve and get my direct deposit updated with my employer as XXXX does not exist. This is an online account and we were told you will have no need to come to the branch ever. In addition, when we asked the branch banker on XX/XX/XXXX to close an account, he advised the branch to do it online ( and on XX/XX/XXXX, for another issue we were told to go to the branch to resolve and get information ). At the branch I called the manager on XX/XX/XXXX morning from home, the branch manager can not process my concern as she wants me to come to the branch only to authenticate my confidentially ( given the whole banking system asks for my social, name, etc to authenticate me and even Wells Fargo set up 'my voice is my password ' ). They why did the branch tell me I can access every information for my account online and did not need to come to the branch. The Branch manager tells me since I can not take a day off to go to the branch to solve this issue, she can escalate and I would get a call within 24 hours. I get an acknowledgment email and waiting another 48 hours for the call to process my direct deposit. I call the escalation number on XXXX XXXX, where I have been told that it takes up to 10 business days to assign a case manager and the acknowledgment is what is given within 2 days. So in short, the customer care on XXXX  pushes me to go to the branch manager, the branch manager after 48 hours pushes to escalation and now I have to wait. Everyone does apologize for the issue, but no one made any attempt to check the account or send back the acknowledgment to my new employer that account XXXX does not exist so that I can get my paycheck. All I am getting in this hassle are mere words and no actions. I am just asked to move in different directions without any concrete actions so that I can get my missed paycheck on time. No one in the bank is ready to sign and give an acknowledgment that the XXXX now does not belong to me even as all my consumer application forms right now have XXXX accounts and none with XXXX. My employer till XX/XX/XXXX, has not received a return email from the bank that XXXX does not exist so that they can re-process my paycheck to the correct account.
Consumer complaint received 2021-02-04
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I have co-sign for a vehicle for some one and the person ran off i called credit Acceptance and explain to them on what's going on they ignore my complaint they have not take any action that i ask of them for but still they still harassing me about they money this matter been going on for 2 years now my credit is getting screwed i can't move on with my life it's stopping me from getting a mortgage and an apartment
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I received a copy of my credit report and found the following items to be errors. I've been trying to submit my disputes to the credit bureaus but they seem to be ignoring my complaints.
Consumer complaint received 2021-02-04
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 (TX)

Im filing this complaint because this company is being unfair. I paid the collection amount and I am no longer liable on this account and they agreed to delete it from my credit reports. I already settled the account. Upon my conversation which resulted in payment, I was assured that the account would no longer report to my credit bureaus. 

My family is dealing with a lot of problems lately including a lease that will not be renewed so I am trying to purchase a home but I am unable to move forward as a result of PORTFOLIO RECOVERY ASSOCIATES placing this collection account on my credit report. My credit scores have dropped by over 60 points as a result of this one paid closed account. 

I would sincerely appreciate if they would submit a request to completely remove it from my credit report.
Consumer complaint received 2024-10-17
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc. (NV)

This company call me non stop asking to repay some debt I dont owe. When speaking to them on the phone they refuse to send me proof of the debt and discriminate on my age. In regards to the age discrimination they talk to me about being too young to understand and I need to stay off social media thinking I know what Im talking about. Calling me names such a dumb, A child, and clueless! This company is harassing and causing lots of stress and I cant get rid of them! Im now going to counseling for this issue because its causing mental damage to my life. Please assist me with this matter to help relieve this pain Im going through.
Consumer complaint received 2021-02-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. ()

Good morning, I am writing this complaint today in regard to the cryptocurrency exchange, Coinbase. 

After hearing good things about coinbase, I decided to give it a try after analysing XXXX, I invested XXXX by card payment as well as give a 2 deposit to confirm my bank account, prior to this deposit I had already verified every details asked of me. 

As soon as I made an order to buy into algo with my money, coinbase decided to hold my account under review with absolutely no reason given to me for why this was done. 

I have sent three support tickets exclaiming my anger as this is not right, no other exchange or broker has withheld onto my money without giving me a reason. I've received responses asking me to wait from the support team yet they have done absolutely nothing about this. They are holding my money without my permission. I've lost out on making myself hundreds of pounds and at the moment I'm out of pocket 302. I need this sorted, this is completely wrong what they're doing. 

Coinbase Case # XXXX - Account under review
Consumer complaint received 2021-02-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I have been submitting numerous practices at Banks that do not protect consumers. Over XXXX was moved from my XXXX now XXXX account in XX/XX/2018. I reported to local and state police, FBI, FTC, IRS, DEA DHSSS banks and XXXX. No one calls me back because no one investigates for consumers. XXXX blames bank, bank blames XXXX or records, local police cite jurisdiction, attorney general or consumer protection say call police. Town where bank is tells me to call police in town I love, state police say call cyber unit who tells you to call local police. Its horrible. Only banks are protected. 

USAA reported to me coincidentally on XXXX XXXX that XXXX} was attempted to be withdrawn from this individual account and sent to XXXX but the funds were not available. Coincidentally I received a call from XXXX about the XXXX XXXX theft sent to XXXX and they shared they have no record of an attempt to withdraw XXXX from USAA account. That means its a fraudulent XXXX and I still suspect it was the same criminal from XXXX Who investgates ... ... no one. I have no XXXX auto withdraw but if funds were there it would have been taken. Banks are not protecting us.
Consumer complaint received 2021-02-03
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: CITIBANK, N.A. (CA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. CITI CARDS CBNA Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX CARD Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
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: Experian Information Solutions Inc. (TX)

Experian is reporting accounts in collection that are fraud and do not belong to me. They are reporting a XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  ( 2 ), XXXX  XXXX XXXX XXXX ( 2 ), XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, these are all fraud and not my accounts and need to be DELETED/REMOVED
Consumer complaint received 2024-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Huntington National Bank regarding the reporting of my mortgage payments to the three major credit bureaus. 

I entered into the Huntington National Bank Home Savers Program at the end of XXXX or beginning of XX/XX/year>. The initial modified payment was for the month of XXXX. During my phone conversation with Huntington National Bank, I asked questions and received information about the Home Savers Program. However, at no point during this conversation, nor in the subsequent document I received via snail mail titled FNMA Standard Flex Trial Period Plan UDT 8.0 ( six pages total ), was it mentioned that my mortgage payments would no longer be reported to the credit bureaus after entering the program.

Prior to joining the Home Savers Program, my mortgage payments were always reported to the credit bureaus, never late, and my account was current. I entered the program under the assumption that this would continue. Had I known that my mortgage payments would not be reported, I would not have agreed to the terms and conditions of the program. 

In addition, I discovered that my XXXX payment was reported as 30 days past due to the credit bureaus, despite the fact that I made this payment on time and in full. Upon realizing this error, I immediately contacted Huntington National Bank and requested to be removed from the Home Savers Program. XXXX XXXX, Home Savers Team Lead, completed a payment deferral, allowing me to return to paying my mortgage as normal. However, Huntington National Bank refused to remove the late mark from my credit report, despite my timely payment and efforts to resolve the issue. 

I am formally requesting that Huntington National Bank correct this error by removing the 30 days late mark for XXXX from my credit report. I made this payment on time, and I should not be penalized for a situation that was not communicated clearly at the outset. 

I look forward to your assistance in resolving this matter.
Consumer complaint received 2021-02-04
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: Experian Information Solutions Inc. (MO)

After reviewing my credit report I notice several errors and I begin to dispute them with Experian each time the company has come back to me stating that the information has been verified as accurate. I then sent 3 separate certified letters to Experian requesting them to provide me with information as to how the information has been verified but all of my request have been ignored. I have disputed these following accounts for the following reasons as well as provided documentation to verify the information as being incorrect but yet all they have done is continue to list these accounts as verified. 
XXXX XXXX - Experian shows that this account was written-off for bad debt in the amount of {$20000.00} with a past due amount of {$7100.00} written off in XX/XX/XXXX which is incorrect. They have the terms listed as 78 months which is incorrect it is 75 months. 

I have also asked for verification documents for the following accounts : XXXX XXXX XXXX they have the account opening date listed incorrectly. 
XXXX XXXX XXXX they keep allowing this company to change the amount even after requesting validation documents that have not been provided from both Experian and these creditors. All of my request have been ignored. My rights have been violated under the FCRA. I am requesting immediate removal of these accounts. 

This has caused severe harm to my credit as well as caused me to lose my XXXX XXXX XXXX  Contract with several companies.
Consumer complaint received 2021-02-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020 I XXXX XXXX made a phone call to XXXX XXXX XXXX to take care of a debt that I incurred from XXXX XXXX XXXX in the amount of {$850.00}. At the time of speaking with the debt collector they set me up with two separate payments which was requested by me. On XX/XX/2020 I made a payment of {$420.00} and then of XX/XX/2020 I made the second payment via an auto draft from my bank account of {$420.00}. On XX/XX/2020 when I made the first payment I asked the debt collector representative that was taking my payment that once I made the final payment would there be something sent to the creditors on my behalf to remove or delete as that was what I requested and they said yes once the final payment had been received. They also informed me that they will automatically mail me out a letter stating that it had been paid in full. Once I made the final payment on XXXX XXXX and I did not receive anything in mail after a week I called the debt collector and asked them why I had not received anything in mail and thats when they told me that I had toc all and request that. I explained that the last representative that I spoke with did not tell me that I needed to call in however, she stated that it was something that they automatically did. To my surprise I did not get accurate information. Also, to have it removed or deleted the representative told me that it was something that was available upon request which I did request However, only to find out that this has not been removed or deleted from my credit. The last report showed that it was indeed paid in full but also as an active account which is not the truth. According to my research this is a UDAAP violation when there is Deceptive Acts of Practice which was very misleading for me and an very unnecessary process to do the things that I need to do.
Consumer complaint received 2021-02-04
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: South River Mortgage, LLC (AZ)

I am in the reverse mortgage business and have a reverse mortgage on my own home. I was scared when I received the attached letter stating my reverse mortgage had " expired '' ... what happened I thought to myself. Upon reading the letter and confirming with my son who is a Certified Reverse Mortgage Professional ... I realized it was a solicitation for me to call about a refinance. I think this letter is too shocking to send out to seniors who have a reverse mortgage. It causes anxiety and and worry.