davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-29
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

On or about XX/XX/XXXX. I filed a complaint with the Federal Housing Finance Agency. Against XXXX XXXX Home Mortgage and Select Portfolio Servicing , Inc.. Regarding fraudulent mortgage servicing, violating the fair credit reporting act, and other financial crimes. Related to my XXXX XXXX Mortgage and unlawful monthly mortgage payments from XXXX til present. Also around the filing of my complaint to the Federal Housing Finance Agency. I was awaiting a response from Select Portfolio Servicing , Inc.. In regards to my Consumer Financial Protection Bureau complaint. Regarding their wrongful criminal participation as it related to my XXXX XXXX Mortgage from XXXX til present. In XX/XX/XXXX Select Portfolio Servicing, Inc, denied any wrongdoing and refused to make any corrective updates to my three credit reports. Shortly after on XX/XX/XXXX the Federal Housing Finance Agencyacknowledged receipt of my complaint. An Select Portfolio Servicing, Inc had a change of heart and made corrections to my credit history thats reported to all three credit reporting agencies. Now, on or about XX/XX/XXXX. Select Portfolio Servicing , Inc has started to demand payment for a mortgage account they know to be paid full as per XXXX XXXX Mortgage. And that they know is under investigation for mortgage fraud and other financial crimes. Select Portfolio Servicing , Inc also knows that there is not a creditor listed on the fraudulent mortgage account they have been servicing for my property. And they also know they unlawfully decided to raise my fictional monthly mortgage payment after I paid my escrow shortage in full earlier this year. Ive recently contacted the Federal Housing Finance Agency again regarding these new unlawful activities by Select Portfolio Servicing , Inc .
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (OH)

I am a chime member and I got on what was supposed to be a chime website and called the customer service number. When the person answered they represented themselves as a chime representative. They knew what to say and the security questions to ask. I was having trouble with my credit builder card and I told them this. They then had me move my money from my credit builder to my checking and started to give me what they called a confirmation code. As they read me the code it appeared automatically in my chime account. Then my money just disappeared. XXXX dollars gone. I instantly found the real chime number and they were very rude and even found the chime member who stole my money but said they can't return it. They told me I should ask sternly over a person to person transaction for my money back. After hours on the phone they said they will open an investigation. However after tons of research I now realize several people in several states are having this same problem with these fake chime websites being set up everyday. All I want is my money returned
Consumer complaint received 2023-09-25
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. (MT)

XXXX XXXX XXXX ( Original Creditor - XXXX XXXX Account Type : Debt Buyer ) : # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-19
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (PA)

I received a ATM card from Synchrony and tried to have this canceled as I don't have an account with them. I went through 3 different departments and no one can help. Since I don't have any accounts with them how can they send me an ATM card? I just want my information deleted from their records so as not to have any problems in the future. The card also had valid thru XX/XX/49. Never heard of anything like that.
Consumer complaint received 2024-04-25
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HYUNDAI CAPITAL AMERICA (TX)

I am resubmitting this complaint to KIA FINANCE AMERICA regarding the presence of fraudulent accounts on my credit report. Despite previously filing an FTC report with the identity theft report number XXXX, I have observed that this fraudulent account persist on my credit report. I had hoped to rely on KIA FINANCE AMERICA to safeguard my information and to report accurate credit reports. Unfortunately, my credit report continues to contain multiple inaccuracies, including erroneous balances, dates of late payments, payment statuses, dates of last payments, and violations under FCRA policy and CFPB rules, particularly concerning on this account. 
To support my case, I have once again attached the FTC report along with a detailed letter of explanation outlining the reasons this account should be rectified or removed from my files. I appreciate your prompt attention to this matter and trust that KIA FINANCE AMERICA will take the necessary steps to address and rectify these inaccuracies promptly.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proofofmyidentity and SSN Card.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I understand that FCRA 605B requires the elimination of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies in terms of reporting, with incorrect amounts and dates being reported.
Consumer complaint received 2023-09-01
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: FIRST NATIONAL BANK OF OMAHA (TX)

On XX/XX/, I attempted to open a savings account with XXXX, also known as First National Bank of Omaha. Their auto check process denied my request, despite having multiple bank accounts elsewhere, excellent credit, etc. Three customer services agents on their chat application all gave me pre-canned responses about how they could not reveal their sources for the denial.
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OK)

On XX/XX/XXXX I called USAA because I tried logging onto the app to access my funds, and it said my account was locked. I called the same day and they had me submit my ID to a USAA website and said they would call me within 24-48 hours. 

On XX/XX/XXXX, I called USAA again because I hadnt received a call and I asked to speak to the fraud department or another department and they told me that the fraud department did not have a phone number and that I would just have to wait and that there was nothing they could do. I had bills to pay. 


On XX/XX/XXXX I called again because I had not received a call and requested to know why my account was locked and still was not given any information and was told there was nothing they could do. 

On XX/XX/XXXX, I called again and was told it could take 6-10 business days to hear back, a stark difference from 24-48 hours. Still did not receive any information and could not reach another department.
Consumer complaint received 2024-04-24
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. (IL)

I have filed a Dispute with XXXX  and TransUnion to remove accounts found to be fraud ent and provided letters from each company authorizing removal of accounts which they refuses to do or provide reasoning of why they wont remove the accounts
Consumer complaint received 2023-04-26
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX  XXXX XXXX Balance : {$400.00}, XXXX  XXXX XXXX Balance : {$440.00}
Consumer complaint received 2024-01-19
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (OH)

My account was suspended back in XX/XX/ after I paid my account in full for the amount of XXXX and my account has continuously been automatically suspended due to " credit ''. 

Back in early XXXX, I experienced a death in my family resulting in my traveling out of state and not being able to work for several weeks. Because of this, I was not able to pay my bills in time. 

Now, my financial situation has drastically improved and I am still unable to use my card. This is creating an issue trying to travel for work, renting a car, etc.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RoundPoint Mortgage Servicing LLC (CA)

I sent a payment to previous mortgage holder XXXX XXXX at time loan was being transferred to RoundPoint. There was a delay in transfer and recording. I had talked to RoundPoint and they said it would be OK. It wasnt. I later received a ding. I am not in agreement with that action. I spoke to RoundPoint again and was to receive a call or response in a couple of days. Called a second time on this and filed info online. Still waiting. It was interesting that in one conversation the RP employee quasi-acknowledged the frequent occurrence of late recording. I need the matter addressed and mark removed. Thsnk you
Consumer complaint received 2024-01-19
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo put the few XXXX dollars form payroll deductions for an XXXX XXXX  XXXX  into an unsuitable 'managed ' account, which lost much of its value. They " managed ' to lose hundreds, and took the rest of my money with high fees. Since I was not notified, this was illegal. Calling them was a waste of time. 

Compare this to my experience with my main plan, from a small non-union XXXX XXXX, which also had to liquidate their fund. 

A single XXXX  person helped about XXXX former employees transfer to no cost XXXX XXXX  online account, into FDIC insured, money market fund, with no fees paying a little interest too. Fully liquid, I could then buy stock, bonds with great online app, at my own pace. 

Link to XXXX XXXX XXXX Wells Fargo Agrees to Pay {$1.00} Billion to Settle Pension-Led Lawsuit XX/XX/2023 '' Wells Fargo Agrees to Pay {$1.00} XXXX to Settle Pension-Led Lawsuit Mississippis public employees ' fund, a Louisiana sheriffs fund and the state of Rhode Island were among the lead XXXX XXXX 

XXXX XXXX XXXXXXXX? XXXX This EMAIL is to serve as a demand letter. If I do not get my original balance restored, then dispersed as a XXXX payout in a check, with a proper 1099 I will pursue this matter in court.

I called Well Fargo about 10 years ago to complain about management fees totaling 26 % of the value DECLINING fund. One hour on the phone got me nothing. I asked why wasn't it all in a XXXX XXXX, and can you do that? I was told they didn't have that. But there is some in a XXXX, with a 3 % fee, which is usually no cost, because there is NOTHING to manage. 

I asked them if they thought it was fair to XXXX XXXX, a poor performing fund with a small amount of money.. They just told me about thinking long term and it might come back. Since the fund had less than {$1000.00} to begin with, I decided to let it roll, just to see if they would take it all. How could it come back with Wells taking 26 % in fees?

Now they are saying they need a " contract number '' to verify. In addition to my account number, just to access, or to ask questions. Then, they hung up on me.
Consumer complaint received 2023-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-19
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I was given an American Express {$500.00} gift card. The card only allowed me to make a few purchases and is now declining no matter where I try to use it despite it having a remaining balance of {$280.00}. I contacted American Express and they said its being declined for security purposes and to try again in 24 hours. However, despite waiting the 24 hours the card still does not work. The company has no resolution and continues to tell me to wait 24 hours. This is not acceptable. I have never had an issue with a gift card like this in my life.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kovo (DC)

I started to try to communicate with the company KOVO when I was notified that my credit score dropped by XXXX. KOVO reported that my payments were late. That was inaccurate. I tried to settle this amicably but to no avail that did not happen.

I called numerous times and emailed this company and those calls and emails went unanswered until I started threatening them with reporting them to the FTC. Even when I communicated with them ... they still did not honor their end of the agreement ; which was to fix my credit report.

At this point, I am still dealing with the fallout from this company and its inaccurate reporting.

I have attached documentation to support what I am stating with complete details.
Consumer complaint received 2024-01-19
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (TN)

I applied for a card during my checkout process at Victoria 's Secret. I was told there was a problem with my application but the cashier didn't know what the problem was. So I paid cash for my purchase. I received a letter in the mail stating that XXXX XXXX  needed more information from me. I shredded the letter because I no longer wanted to receive credit with this creditor. I never received a card because I didn't comply by giving them the information requested. Then I started getting collection calls and turned into collections for a card I was never approved for and never received. I don't owe this debt or else I'd pay it!
Consumer complaint received 2024-01-19
Product: Credit 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: JPMORGAN CHASE & CO. (CA)

Amazon.com XXXX XXXX : XXXX I returned my order to Amazon via the XXXX XXXX label they provided to me. I dropped off the package at the XXXX store, and the XXXX driver listed my return package. During this time, I have been contacting Amazon every week about the issue that the package is missing, but they never took any action. I then reached out to XXXX. According to the XXXX agent, they have a contract with Amazon, and every time there is a listed package, Amazon is the one who should report it to XXXX and receive the reimbursement from UPS. 

According to XXXX, they have already issued a refund or reimbursement check to Amazon for the lost package. However, Amazon refused to issue my refund, so the product that they reimbursed is now lost. In the end, Amazon agreed to issue my refund, but due to a system issue, I am unable to get the money. Amazon has refused to help me since then. Fortunately, I have all the evidence, including emails and screenshots, to prove my case. 

The missing package is XXXX XXXX, amount in ORDER PLACED XX/XX/2023, Grand Total : {$2500.00}
Consumer complaint received 2024-01-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synergetic Communication Inc (TX)

In XXXX XXXX XXXX XXXX XXXX broke the HIPAA law and FCRA by sharing my protected health information with a third party for them to collect of the alleged debt for them. This would be totally legal if XXXX XXXX XXXX office and I had a written agreement where I gave my written instruction to furnish this information to a third party for any reason. Not only is it a violation of the HIPAA law it's also a FCRA violation. I demand remedy for all laws violated. 
Contract law would be the only thing binding me to a debt with either of these companies and I have yet to receive a copy of an enforceable legal agreement signed by both parties. Anything less would be unilateral and void and or non enforceable. It is said that consent is obtained through meditated imposition or circumvention, it is to be treated as a delusion, and not as a deliberate and free act of the mind. 17 American Jurisprudence 2d 151. Fraud is material to a contract would not have been if the fraud had not been perpetrated. 
Furthermore, this attempt to collect on a debt violated numerous other laws. This company didn't have the decency to collect my physical address from this company but instead decided to contact me by an old email address that was possessed only by XXXX XXXX. 
I made a phone call to this company on XX/XX/XXXXto request that they cease and desist contacting me and I was told on a recorded line that they would not stop reaching out to me but that they had to collect on the debt because they had been paid to do so. That within itself is false and misleading. This company thinks I am not aware of the law or how to enforce them when a company is non compliant. Which is why Consumer Protect Laws are even a thing. These companies act as if they do not have to abide by them because consumers are afraid of litigation. I assure you that I am not. 
I have attached my written complaint that was mailed to both companies for settlement of their violations. Otherwise this matter will be brought to Federal Court and put in front of the public for scrutiny.
Consumer complaint received 2023-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

On XX/XX/17 there was a charge I didnt recognize on my account I proceeded to call the card issuer at which time I was told that if I wanted to proceed with the dispute I would have to get a new card. I in XXXX XXXX explained that I needed to have the car that was in my hand in order to buy my medication and food being that the store at with a shop at does not take digital cards. I adamantly told him several times not to shut my card. They continue to do it after I hung up and I found out in the app but this happened, furthermore I called several times to correct the issue and I was met with nothing but adversity from their customer service and then I find out they sent the wrong. They sent the car to the wrong address and when I tried to correct it and have the card overnighted to me being that I need it for medical conditions to which I need to get my medication, I was told they could not do that. I explain to them several times that I asked for this not to happen and they continue to do it to which time they hung up on me. They do not care about a customer in the least bit. The bank was chime. I still have not had a card sent to me. Even after I told them they sent it to an incorrect address