davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC (WI)

I was coerced into signing a contract for a " timeshare '' under false pretenses. It is not a real timeshare and I am paying money every month for something that does not give me anything free. When I want to use the timeshare I am still charged hundreds of dollars. I have stated that this is too expensive and it has put me in a financial strain and it's not even beneficial to me in the least bit. However they stated there's nothing they can do. They even reported me to the credit bureau and I'm trying to clean up my credit. When I tried to talk to them ( on multiple occasions ) about relieving me of the debt they were very rude and stated it's not their problem and I have to pay! This has been a headache for me from day one and I want out!!! I should not be forced to pay for something I can barely afford and can not use.
Consumer complaint received 2019-06-22
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: Fidelity National Information Services, Inc. (FNIS) (FL)

On XX/XX/2019 my XXXX XXXX  account was closed because I ordered a personal care object on a bad online site that I wasnt aware of, so they closed my account even after hearing me out and knowing the situation. I also just received my XXXX XXXX report and it shows that ( reported information ) you guys received from XXXX XXXX XXXX is showing to other banks. When this happened with my account I tried to dispute this with the bank, they said because if this they would give me my account back but never did. Because of these reports I cant bank anymore, anywhere..
Consumer complaint received 2023-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (NY)

The supposed name of the company is XXXX XXXX XXXX. 

I was contacted online through XXXX chat about a business opportunity to purchase the contract of a model they have employed XXXX XXXX. So the deal, as I was led to believe was to send these payments using XXXX, XXXX XXXX, XXXX, and XXXX First payment was on Tuesday XX/XX/2022 to a XXXX username XXXX in the amount of {$410.00}. 
The second payment was on XXXX  XX/XX/2022 for the amount of {$900.00} to XXXX using XXXX again. 
The XXXX  payment was the same night of XX/XX/2022 for the amount of {$1600.00} to XXXX using XXXX again. 
The XXXX payment was again XX/XX/2022 to XXXX XXXX for {$900.00} reference number XXXX. 
The XXXX payment was on XX/XX/2022 to XXXX XXXX for {$500.00} using XXXX. Reference number XXXX. 
The XXXX payment was on XX/XX/2022 to XXXX XXXX for {$1500.00} using XXXX XXXX. Tracking number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 
The XXXX payment was on XX/XX/2022 but it didn't settle with the merchant for a XXXX days after. Her name is XXXX XXXX I sent {$1400.00}. Transaction number XXXX. 

I will be attaching screenshots documenting each and every transaction that I sent with any other information I have on this company. 

Thank you for your help in advance im praying.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Unauthorized inquiries : 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 XXXXXX/XX/XXXX
Consumer complaint received 2018-04-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC (CA)

Received two Loan quotes from the preferred in-house Crosscountry lender on a new home purchase XXXX18 that varied greatly and extra fees to recoup their {$7000.00} incentive. Told him that we could not do these loans. The sales office uses " Steering '' tactics to scare you into choosing the in-house CrossCountry lender. Looks like the Builder may have family connections with preferred lender. Is this why the builder " Steers '' customers here? Lender conveniently matched the outside lender and gave us {$7000.00} incentive to use towards closing costs once he knew we were going with outside lender. We signed off on the new loan estimate. Time passed to change lenders and then he " Crosscountry '' told us that we did not qualify for new loan. He once again charged the higher pmi from {$240.00} to {$300.00} and went from {$0.00} points to {$7000.00} in points. We did not agree to this. We agreed to move forward on the loan we signed off on. Our other lender was not charging points, lower pmi and was going to get us a credit to compete with in-house Crosscountry lender. Builder is keeping our EMD because we cancelled. We could not afford the extra pmi and we were counting on the {$7000.00} so called credit. We had XXXX credit rating, money in the bank and good jobs. How can a builder back you in a corner until you have no choices and make you purchase a property? Their in-house lender does not follow through and the consumer pays for it. There seems to be an inside operation going on here, Builder and Sales manager at Crosscountry same last name? Interesting!
Consumer complaint received 2018-04-14
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (PA)

Beginning XX/XX/XXXX, I started contacting XXXX and XXXX XXXX about the credit card THEY HAD ISSUED BASED ON A PURCHASE. 

I have contacted via email, phone AND USPS ASKING FOR A DETAILED STATEMENT. 

I've been told verbally that one is being sent but I HAVE NEVER RECEIVED IT. 

On XX/XX/XXXX, a " XXXX '' called and left a very threatening message about the account. I called her back and noted that I had neither received a card OR a statement so I was not making a payment on anything. 

Purchases totaling LESS THAN {$600.00} ARE NOW totaling {$1800.00}! 

XX/XX/XXXX, I received another call threatening with ESCALATION IF I did not call and make a payment immediately. the calls state that I am being " warned that escalation will occur if I do not call by XXXX XXXX
Consumer complaint received 2018-04-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

In XX/XX/XXXX Navient began misapplying my overpayments. I began receiving notices that my account was past due. When I logged on to the website I showed a {$0.00} balance. I called the company inXX/XX/XXXX they told me they needed to contact another department but the problem would be resolved. In XX/XX/XXXX I made another overpayment. TheXX/XX/XXXX balance due for several accounts was {$0.00}. I made a payment for XX/XX/XXXX, including a payment on the {$0.00} accounts to avoid past due notices. In XX/XX/XXXX the website again showed {$0.00} balance. I made a payment, including a large overpayment. A few days later I checked my balances online and saw three or four of the loans were past due. On XX/XX/XXXX I sent an email to Navient. I called on XX/XX/XXXX a representative " reset '' the due date counter. This eliminated the past due balance. I was told if I want to make an overpayment I need to make two separate payments. This is annoying, but fine, I will do this. However, my most recent statement, received onXX/XX/XXXXnow shows a due date of XX/XX/XXXX My loan due date was advanced one month when the representative on XX/XX/XXXX reset the counters.

I have called and emailed to resolve these problems. I am accruing extra interest because Navient can not properly apply my payments. This is frustrating and I want my account corrected. I would like to be able to make overpayments so I can try to pay more on my loans but Navient is making it nearly impossible. If they have it their way I will be paying these loans until I die.
Consumer complaint received 2018-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Diversified Consultants, Inc. (CO)

In XX/XX/XXXX I was trying to buy a home, I had been monitoring my credit by paying memberships to all three credit bureaus, after monitoring my credit for over a year and paying nearly {$100.00} a month to these agencies and knowing where I stood with my credit scores, I decided to end these memberships, literally days after I had completed this, a debt appeared on my credit report that I hadn't seen before.

and the only reason I knew it was there was because I had applied for a home loan and was told my score was at a XXXX which last I checked was at XXXX- XXXX between the 3 bureaus. when I pulled my credit report I found that DIVERSIFIED CONSULTANTS, XXXX XXXX XXXX XXXX, XXXX FLORIDA XXXX ( XXXX ) XXXX, had filed on all 3 bureaus stating that I owed a debt to XXXX XXXX for {$75.00}. also stating the account was opened XX/XX/XXXX. I only receive local tv from off-air antenna and have not had any tv services for over 7 years. I have NEVER been contacted in any way shape or form by this company. after numerous phone calls diversified and XXXX XXXX  it was established that there was no debt owed and eventually it was removed. unfortunately my credit score did not recover so quickly. now my credit score is barely getting close to where it was before the first false claim, and they have once again submitted their false claim this time for {$65.00} on all 3 bureaus. this is a non existent debt and they are trying to extort money out of me by sabotaging my credit in order to get me to pay for a debt I do not owe. My home can not even receive satellite signal due to line of site issues so there would be no way I would even have able to subscribe to their service in order to owe XXXX XXXX anything.

This has to be illegal. I ask that that the CFPB assist me in having this company cease and desist immediately on these false and fraudulent debt. I have done other research and have found that I am not the only one this company has done this to.
Consumer complaint received 2018-04-14
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: Credit Karma (TX)

Credit report from XXXX through Credit Karma shows a hard inquiry on XX/XX/2018, which I never did nor did I authorize other person to do. Creditor 's name is XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX. 

My credit score went down by 11/12 points. Please help as it's hard to dispute things using credit bureau 's websites.
Consumer complaint received 2018-04-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (IL)

The mortgage company ( Roundpoint Mortgageg ) misread the Flood Insurance coverage dates for my condo and incorrectly determined I did not not have coverage. They subsequently purchased coverage for my condo and the entire association and increased my monthly payment by {$1000.00}.

The coverage is in place via the Condo Association. I have sent the mortgage company the the Flood Insurance policy the condo association has with proof of coverage. They have acknowledged receipt of the XX/XX/XXXX page. I have called numerous times and explained the situation the insurance coverage purchased by the mortgage company be removed and my monthly payment be corrected. I have been told that they will correct the issue and it is still not fixed. Dates below : XX/XX/XXXX - I first called to ask why my payment increased. They stated I did not have flood insurance. I told them this was purchased via condo assoc, They told me to send copy of policy. 

XX/XX/XXXX - Insurance Company sent me a confirmation that a copy of the policy had been sent to mortgage company via mail.

XX/XX/XXXX - I emailed a copy of insurance policy to mortgage company. I also called mortgage company and they said I also needed to submit escrow waiver request. So I also emailed escrow waiver request on XX/XX/XXXX.

XX/XX/XXXX - I received an email confirmation from Mortgage company that they had received the copy of the insurance policy.

XX/XX/XXXX - I called the customer service number and the rep said the account should be updated within 7 days. It was not.XX/XX/XXXX - I called the customer service number and the rep again said the account would be updated in 7 days. It is still not fixed. 


It has been over 45 days since I first contacted them and nothing has been resolved. This was their error to begin with.
Consumer complaint received 2018-04-13
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: EQUIFAX, INC. (FL)

XXXX XXXX : XXXX : UNAUTHORIZED INQUIRIES XX/XX/XXXX Letter Credit Bureau On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I mailed off certified letters to the following credit bureaus XXXX, Equifax, XXXX. I noticed that it has been past 120 days and nothing has been resolved at this point Im still looking at errors on my report that your company havent removed. I am now sending my final letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that youre breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached photos of the inaccurate information that is listed on my credit file by your company. You have 72 hours to remove the following inaccurate errors. We are set for a hearing in XXXX FL for court located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX at XXXX XXXX on XX/XX/XXXX.
Consumer complaint received 2018-01-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NJ)

I withdrew about $ XXXX from my Coinbase account via wire transfer on XX/XX/XXXX. The funds never arrived in my account. It is now XX/XX/XXXX. The funds were supposed to arrive in 3-5 business days according to Coinbase. The transaction shows as complete despite never receiving the funds. I wrote to customer support on several occasions only to receive an automated email response. 

Additionally, I lost .XXXX litecoin on a transfer because i mistakenly used my bitcoin wallet address. If the address was invalid, why wouldnt their protocols identify and disallow that? So where did my coins go? They just disappear?? How is that possible when every transaction and custody of every coin is recorded in the blockchain, a distributed ledger.
Consumer complaint received 2018-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (TX)

I use XXXX. When i logged in few days back - it showed me " very good chance of approval '' for American Express card with zero annual limit and {$150.00} cash back once i made a purchase {$1000.00} within 90 days. 
I clicked on that link and started the application process. Got approved and then after few minutes i realized that it was not the same card that was advertised to me but something else ... this one had {$95.00} annual fees and {$200.00} as cash back once i made a purchase {$1000.00} within 90 days. 
What the heck it is? 

I do understand that american express is going thru a lot of losses ( after XXXX  parted away and other important partners ) but never thought that they are so unethical that they will advertize something and do something else. How come they changed the offer on the fly? I did n't changed the browser, i had no bad cookies issues and no other issues on my computer .... 
How come Amex will be so unethical and immoral and start deceiving the customers?? 

In fact my 3 recent credit card applications during last 15 days has been rejected - i have no idea why amex is having no standards and they are still approving credit card applications for the folks who are getting rejected else where?
Consumer complaint received 2018-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a request for an investigation regarding an old account that has incorrect information and is too old to still be on my account. The account shows closed as of XX/XX/XXXXin an old investigation now it shows as last reported inXX/XX/XXXX. Which is incorrect. It also shows as the last payment beingXX/XX/XXXX. Which is untrue. However either date shows that this report should no longer be on my account. Its also affecting my credit score and transunion refuses to correct the issue. Despite it being removed once. the creditor changed the date illegally and now it showed up again.
Consumer complaint received 2018-04-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

Opened account with Citizens Bank on XX/XX/2017. The offer I responded to stated that if I had a direct deposit of {$500.00} to the account within 60 days Id receive a {$200.00} bonus. I have contacted the bank and have not received this bonus yet.
Consumer complaint received 2023-10-09
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. (FL)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-28
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. (TX)

I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AE)

Hello my name is XXXX XXXX is was showing on my report some fraudulent accounts that are reporting closed with no balance and one account with an balance along with inquires and an address. I am currently in the XXXX XXXX and this is taking a toll on my career and character. I am asking that these following accounts that are coming back as verified gets removed. I never decided or gave any permission to any family or friends in my country to open such accounts or to apply for any such fraudulent activities in my name.