davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I disputed transactions from XXXX XXXX with USAA for my checking account. 

USAA has multiple times, provided temporary credits and then reversed without proper explanation. XXXX was allowed to then debit my account even after dispute and stop payment filed. 

USAA processed transactions out of sequence to include temp credit reversal which resulted in negative balance in my checking account. 

I attempted to get information on the reversal on XX/XX/XXXX prior to it occurring or even change the date and was told nothing could be done. This is set to happen again on XX/XX/XXXX with another reversal
Consumer complaint received 2024-01-18
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: AMERICAN EXPRESS COMPANY (OR)

Fraud by XXXX and American Express I have led XXXX XXXX since XXXX. This one was in XXXX in XXXX. 

XX/XX/XXXX. 
XXXX tickets and a tour guide for the XXXX in XXXX, XXXX purchased online from XXXX for USD XXXX. The local merchant for XXXX is XXXX XXXX. 

XX/XX/XXXX. 
Arrived early with my students at XXXX XXXX 's storefront location per the voucher 's instructions. 
The merchant directed me to take my students to the XXXX of XXXX to meet the guide, a XXXX walk. The merchant said the guide would have the tickets. 
We waited at the location for nearly XXXX minutes. 
I left my students and went to the XXXX XXXX XXXX XXXX. I was told that it was impossible for the merchant to have sold me tickets on XX/XX/XXXX as the park had a strict limit on daily visitors, and tickets had been sold out for at least XXXX months and would not be available until XXXX. He then looked at his computer and said he did not see any tickets purchased under the merchant 's name or in my name. He suggested I speak with the merchant. 
I called the merchant 's office. The merchant apologized and said XXXX ) the guide could not find us and had left, and XXXX ) she had forgotten to give me the tickets, but if I returned to the office, she would give them to me. 
Knowing there were no tickets, I dismissed my students and returned to the office. The merchant immediately began to blame me for not being at the XXXX XXXX XXXX to meet the agent. 

XXXX ( date unknown ) I contacted the merchant and they offered me a 10 % refund, XXXX XXXXXXXX. 

When I returned from XXXX I opened a dispute with the credit card company, American Express. American Express found in my favor as XXXX had apparently failed to respond. 
The merchant, XXXX, reopened the case, claiming that according to XXXX  XXXX XXXX ) I had signed a waiver that I no longer wanted the tour, XXXX ) they gave me the tickets at the office, XXXX ) I had gone to find the tour guide, and XXXX ) the tour guide left. 
The merchant did not explain why I was searching for the tour guide if I did not want the tour and already had the tickets. The merchant has not produced the waiver I am alleged to have signed, even though I have asked AmEx for it twice. 
AmEx decided in the merchant 's favor. The reason they give is that the merchant claims I was given the tickets and was late to meet the tour guide. AmEx believes the merchant and, by default, I am a liar and attempting to take advantage of the merchant by asking for a refund. 

No one at AmEx will discuss this claim with me. I am not allowed to speak or otherwise communicate with anyone other than the XXXX XXXX Customer Service representative who answers, and they have no authority to resolve or escalate the dispute. 

I have full documentation of my correspondence with XXXX and AmEx and will provide it on request.
Consumer complaint received 2017-12-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Talked to CFPB previous rep, told them I requested verification of debt from XXXX XXXX XXXX, XXXX and told rep I would put in complaint about debt collector after their response to verification. 

I asked above mentioned collector questions : What amount owed? 

Copy of written agreement that created my original requirement to pay? 

Provide verification and documentation about why this is a debt that I am required to pay. 

Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statue of limitation expires for this debt, how you determined that. 

Does your firm have a debt collection license from my state, city etc. If not, why not? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. Please give city license number. Under law do n't you have to have this city license number? 

Stated before and in the verification letter for you to threat this debt as being in dispute and discussion. 

Let me know if you are prepared to accept less than the balance you are claiming is owed. Tell me in writing your offer with the amount you will accept to fully resolve the account. 

In your response letter after me asking for verification you do not acknowledge my rights under the FDCPA in that letter. 

You are not treating our conversation as dispute but a legitimate debt that you have the right to collect under the law. 

Deceptive and unfair practices to collect debts are not allowed. Your name XXXX XXXX XXXX is not a formed entity in the Alabama Secretary of State 's files. No formation place, date and date qualified as a corp, no agent, no agent address which is required by law. 

You have n't proven by your response to me that you even exist nor answer the questions above. 

Account XXXX did n't exist when debt began. 

Resolution : Quit collection of this case. Fine for misrepresentation whoever made up company.
Consumer complaint received 2024-01-18
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: Exeter Finance, LLC. (MI)

Finances the car A XXXX XXXX XXXX  to reduce the cost and expense of XXXX XXXX  Fender damaged in XXXX XXXX XXXX XXXX XXXX XXXX for reinstatement For insurance on XXXX Over {$900.00} It was paid. In XXXX XXXX It was paid. 

XXXX Vehicle XXXX XXXX XXXX It was rammed Hit and run by a truck The damages was {$6700.00} {$1000.00} deductible paid at pickup Extra cost for commute while the car was In the shop XXXX requests a insurance quote To reinstate policy Received online quote from XXXX XXXX they quoted me {$1700.00} Down {$1700.00} Affordability was a issue Before I could get bind coverage to protect the car the vehicle was stolen From in front of my home Auctioned and impounded By the facility that had the car Left owing over $ XXXX no way I cam afford to pay this back with ongoing expenses For commute and daily transportation XXXX XXXX XXXX XXXX It was a total lost XX/XX/XXXX a XXXX XXXX XXXX  Then fled the scene. 
had no chance to enjoy the vehicle. 
XXXX XXXX XXXX Or my XXXX XXXX XXXX Seeking to block These two from public view These were never resolved The white car never ran the same It leaked and had issues pulling To the right while driving I disagree With the adverse credit scores and balances In addition I had a free and clear Vehicle that came up missing I paid {$150.00} to have it towed For repairs and expected it to be there I last saw it XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (WA)

I submitted a request on for my XXXX XXXX education award to go towards my federal student loans held by edfinancial on XX/XX/XXXX The award was for {$4100.00}. Previously, all contact i had with XXXX staff indicated the award should be processed in about 2 weeks. On XXXX I assumed the request got lost and resubmitted my request. Edfinancial still hasn't responded to the request. I called both the XXXX hotline and edfinancial hotline to hear about where my education award request was. Edfinancial was completely clueless and wanted me to include my account number despite that not being how the award system works. 

The XXXX hotline indicated that there is a delay in processing these edfinancial requests, but didn't indicate how long it would take for the request to finally process. On Sunday it will be 60 days. 

This is especially frustrating -- each month the education award is deleted is more interest that I have to pay for Edfinancial 's mistake. I learned about this website from XXXX -- where multiple people are as lost and confused as I am.
Consumer complaint received 2023-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (SC)

On XX/XX/XXXX  an EdFinancial representative applied for a Term Base plan to reduce my monthly payments. I have been calling customer service for the last two days on hold for over two hours and then being disconnected trying to find out if Ive been approved for a lower payment plan.
Consumer complaint received 2022-02-20
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: Experian Information Solutions Inc. (TX)

I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF EXPERIAN NEEDS AUTHORIZATION TO PROCEED, THEN I GRANT EXPERIAN MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. 
I, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to XXXX XXXX XXXX ( XXXX ) ( XXXX ) under the XXXX. I have filed an identity theft report pursuant to XXXX XXXX XXXX ( XXXX ) ( XXXX ). Just an XXXX : I understand pursuant to XXXX XXXX XXXX ( XXXX ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to XXXX XXXXXXXX XXXX XXXXXXXX. Aggravated Identity theft carries a criminal liability of up to XXXX years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. Certified Mail # : XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-09-07
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (KY)

Working with Cardinal Financial was an agonizing ordeal. As veterans, we embarked on a journey to purchase land in KY in XXXX with XXXX XXXX which was painless. XXXX of XXXX we moved from XXXX, NC fully prepared to live in our XXXX ' camper for a minimum of a year ( and knew we'd likely be living off-grid with external power and local water sources for at least XXXX months ) while we applied for a loan and our new home was under construction. We began the loan application in XX/XX/XXXX after getting our bearings of the area, we initiated a VA new construction loan application with XXXX XXXX at Cardinal Financial. However, after XXXX months, we were suddenly transferred to XXXX XXXX due to XXXX 's inability to handle our loan in KY. Initially, we had confidence in XXXX, but issues with our debt-to-income ratio soon emerged. 

We followed advice to make extra payments and avoid paying off certain loans for deferral purposes, but XXXX 's mistake in calculating my partner 's income led to a mortgage fraud investigation. Consequently, we lost our original home plans with another builder and had to opt for a cheaper option, despite having already paid $ XXXX. XXXX resolved this issue but failed to clarify why our closing costs skyrocketed from $ XXXX to almost $ XXXX for a $ XXXX construction in the XXXX months we worked with her despite asking for clarification. 

For months, we were left in the dark, receiving documents with unexplained amendments and expectations to just sign them in order to keep the process moving forward. At our wits end, and in serious despair at the thought of having to find $ XXXX to close out of thin air, we remained vigilant in asking XXXX why the closing costs were as they were. We were promised answers within a week from XXXX 's manager, and we were abandoned when she went out of office the following week giving us no one to follow-up with. Our attempts to contact her manager and their superior were futile, each time with empty promises of a return call. Weeks prior to that we submitted an unanswered online customer complaint, highlighting our year-long struggles, still with no response. 

Three weeks later, after hours over multiple days on customer service calls, we were finally connected with XXXX and XXXX, who resolved everything within XXXX HOURS. Throughout this ordeal, we spent over $ XXXX to survive in a XXXX ' camper with external power and water. This misrepresentation of the company and lack of communication caused us financial hardship, unexpected costs, and the loss of our original build, which we had already paid for. 

Cardinal Financial, as one of the few institutions servicing VA New Construction Loans, left us feeling trapped, exploited, and deceived. Clients should be cautioned against considering their services.
Consumer complaint received 2023-06-01
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. (TN)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report. I have placed multiple disputes and complaints, and police reports with these companies, but these companies continue to show neglect by refusing to remove the accounts. These companies are continuously unreasonably halting commerce and have damaged my relationship with other creditors and have hindered my ability to obtain certain licenses with the state. This is a recurring problem that needs to be rectified. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items. If the accounts are not removed a federal charge will be filled against the following companies " XXXX XXXX, XXXX XXXX CONSUMER DISPUTE CENTER, XXXX, EXPERIAN ". This charge may lead to a lawsuit. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Movement Mortgage LLC (HI)

I am writing to express my concerns and request an investigation into significant discrepancies in my mortgage account with Movement Mortgage, involving a HUD lien related to COVID assistance. 

Background : My original mortgage loan was {$690000.00}, initiated approximately two years ago. As per the loan history provided by Movement Mortgage, I have calculated a principal reduction of {$28000.00}. Therefore, the remaining principal balance should be around {$660000.00}. 

Primary Concerns : 1. Discrepancy in Loan Payoff Amount : Movement Mortgage 's recent statement ( XXXX XXXX XXXX  ) indicates a payoff amount of {$680000.00}, which does not align with my calculations. 
2. HUD Lien : A lien from HUD in the amount of {$41000.00} for COVID assistance has been added. When combined with the stated payoff amount, the total exceeds my original loan amount, leading to confusion. 

Specific Questions : 1. Deferred Payments : How many payments were deferred due to COVID assistance or other loan modifications? 
2. Additional Amounts : What is the total amount added to my loan due to these modifications? 
3. Breakdown of Claims : How were the claims, especially the HUD claim, applied to my mortgage? I seek clarification on the distribution between the original loan and HUD assistance. 

In short, my original loan was for {$690000.00}, taken out roughly two years ago. Movement Mortgage states that my current payoff as of XXXX XXXX is {$680000.00}, which does not include the {$41000.00} that HUD claims is owed for COVID assistance. The addition of {$41000.00} to the {$680000.00} payoff amount totals {$720000.00}, exceeding the original loan amount of {$690000.00}. This inconsistency raises serious questions about how claims and partial claims were applied to my mortgage. Despite my attempts to obtain a breakdown from Movement Mortgage and HUD, I have not received clear answers. 

I am concerned about these discrepancies and have not received satisfactory explanations from either Movement Mortgage or HUD. Therefore, I request a detailed breakdown and clarification on how the loan balance was calculated and how claims and partial claims were applied. 

Your assistance in resolving these issues is crucial for understanding my financial obligations and ensuring accuracy and fairness in my mortgage account. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

After reviewing all three credit reports i found inquiries that did not belong to me, a couple of months ago i discovered my identity and personal information was stolen. i contacted all three credit beaureus and was able to resolve the issue with XXXX and XXXX, however Transunion would not delete the fraudulent inquiries. i have sent several letters and made several phone calls and have yet to get this issue resolved. i submitted a complaint with the Federal Trade Commision and mailed it to Transunion but they said they never received it. i have uploaded a copy attached to this complaint. I have advised them several times however they still will not delete the inquiries. Transunion is in violation of the fair credit reporting act by countinuing to report these inquiries.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, FL XXXX XX/XX/XXXX Equifax XXXX XXXX Dear Sir/Madam, I am writing to request an update to my personal information in your records. The information currently reflected on my consumer report is outdated or incorrect. Please update the following details to match the information on my photo ID : Name : XXXX XXXX Date of Birth : XX/XX/XXXX Current Address:XXXX XXXX XXXX XXXX  XXXXXXXX XXXX  , FL XXXX Additionally, I request that you remove any old or incorrect information from my file to ensure the accuracy of my consumer report. 

I am attaching a copy of my drivers license as proof of my identity for verification. I appreciate your prompt attention to this matter and look forward to receiving confirmation of these changes. 

If you require any further information, please do not hesitate to contact me. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have reviewed my consumer reports and noticed the XXXX XXXX XXXX XXXX  information is reported differently from the consumer reporting agencies. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. The last payment date, the date the account was closed, the date the account was updated, and the account payment history are all different across consumer reporting agencies ' reports. All of these errors are highlighted in the up-to-date consumer reports provided. This goes against 607 - 15 U.S.C. 1681e ( b ). Remove the XXXX XXXX XXXX  account for defying 607 - 15 U.S.C. 1681e ( b ) and inaccurate reporting of this account.
Consumer complaint received 2024-01-18
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MA)

In late 2023, I purchased eight Vanilla Visa gift cards from different retailers and they were all compromised. In six cases, the funds were drained before I was able to use the cards. In two cases, the three digit code on the back of the card was removed. I was unable to get a balance. Incomm sent me eight new cards but at this point, I no longer need the cards and would prefer a refund of the card value plus activation fee. It's been months since I purchased the cards and I no longer need them. The cards involved were Incomm case numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX.
Consumer complaint received 2024-01-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (WI)

Someone hacked my PayPal account that was linked to my checking account and transferred {$6000.00} plus a {$4.00} fee out of my checking account to themselves. I contacted PayPal to report that it was an unauthorized transaction, but they responded stating it was not unauthorized and that it was consistent with my transaction history. The PayPal account has been dormant for years, because I thought it was closed. I have never used their friends and family transfer feature. I have appealed their decision and am waiting for a response. I believe they still have a small window to stop this transaction, but they appear unwilling. I have also contacted my financial institution and filed an unauthorized withdrawal form. I am not including screenshots of this, because it contains all of my financial information.