davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (WA)

PHH is a mortgage service provider. They took over mortgage servicing for my existing mortgage in the summer of XXXX. My homeowners insurance renews yearly on XX/XX/XXXX. At the end of XX/XX/XXXX and XX/XX/XXXX I received communication from XXXX that my howeowners insurance had not been paid and that it would lapse. XXXX says they do this after reaching out to the mortgage servicer twice to get me the option to resolve or pay myself. After about XXXX hours of investment of my time with PHH, I was able to get them to pay out the homeowners insurance. 

In XXXX of XXXX, this same cycle happened again. However, as of today, XX/XX/XXXX, the full amount of the homeowners insurance has not been paid. PHH would tell me that they are going to charge me for homeowners insurance and XXXX is telling me they haven't been paid by PHH!!!! I have spent over XXXX hours trying to resolve this issue. 

I want PHH removed as a mortgage service provider. This is the second year they have attempted to purchase homeowners insurance for me and charge me for that while not paying my homeowners insurance which they have in escrow!!! This is out right fraud and if I had not been investing this amount of time and effort I would be paying exhorbitant insurance rates for less coverage and having my existing coverage lapsing. I have had mortgages for over 30 years and I have NEVER had this issue before. Given this is the second year and I have significant and unnecessary investment in getting this resolved, I want legal remedies to get me out of this mortgage service provider as they are INCOMPETENT in meeting their federal responsibilities as an escrow company. 

The fact that I need to pay my homeowners insurance while PHH sits on my money from escrow and collects over 5 % interest and then tries to charge me for homeowners insurance from XXXX of their companies is fraud.
Consumer complaint received 2023-12-13
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (NY)

I have an open account on my credit report that is not mine. I don't know what this credit card is and I did not open it. It is showing a balance higher than allowed number one and it is not mine. It is and has hurt my credit report because the payment is late. I have never received a bill from this company and I don't even know what this is?? 

XXXX is the name of the company
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (AR)

All the credit inquiries on my credit reports from all 3 credit bureau from XXXX on up to XXXX  I am not responsible, for I have tried to dispute these inquiries I even file XXXX  XXXX bankruptcy to try to clear this problem up.Plus I was notified that my personal information has been compromised in the XXXX XXXX XXXX so i need these inquires deleted from my credit reports.
Consumer complaint received 2023-12-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Upgrade, Inc. (NY)

I have a credit card with Upgrade. In XXXX my balance was {$6800.00}. My payment on this card is {$390.00}, which I have made every month & some months more. To date my payment is still the same & my balance is now {$4000.00}. interest rate 19.80 %. I am not using the card. I've called the company twice as I don't understand why payment has not gone down. The customer representative at Upgrade told me this is not a regular card and eventually it will go down. I can not continue to afford {$400.00} payments.
Consumer complaint received 2024-03-22
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account XXXX XXXX XXXX XXXX NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX 
Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXXXXXX has violated my rights. Or a list of inquiries : 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 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number : XXXX Account name : US Department of EDU, Account number : XXXX Account name : US Department of EDU, Account number : XXXX Account name : XXXX XXXX XXXX, Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX, Account number XXXX XXXX Account name : XXXX XXXX XXXX, Account number : XXXX Account name : DEPTEDXXXX  Account number : XXXX Account name : DEPTEDXXXX, Account number : XXXX Account name : XXXX, Account number : XXXX, has violated my rights. 15 USC 1681 SECTION 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. 15 USC 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 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-12
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: AMERICAN EXPRESS COMPANY (VA)

Greetings, I recently received an American Express Business Gift Card for {$500.00} from my employer as a reward for 25 years of service. Payment was declined 3 times for attempted online purchases. The first attempt, twice, from XXXX XXXX XXXX  on XX/XX/XXXX for {$58.00}. I called card services and was told that the card had to be used in a mobile wallet, which is not what the cardholder agreement states. The second attempt from XXXX XXXX on XX/XX/XXXX for {$120.00}. I called XXXX XXXX and their rep tried to run the card manually but it was denied again. I called card services again and they saw no problem with the card and told me that I could use the card as a regular credit/ debit card. The only resolution received from this call was to try other merchants. The third attempt from XXXX on XX/XX/XXXX for {$120.00}. After that, I used my own credit card.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Follow up to Transunion reporting being incorrect. XXXX. 
2 Weeks ago Transunion deducted XXXX points from my score. I filed complaint with CFPB and last week my XXXX points were added back on to my score. Today Transunion deducted XXXX points. All of my accounts decreased. My balance on XXXX XXXX was transferred to a 0 % interest credit card. XXXX and XXXX increased my score. Transunion decreased my score XXXX points. Transunion is inaccurate and all over the board please see attached documents.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I hope this letter finds you well. I am writing to express my concern regarding the reporting of transactions or experiences between myself and Capital One on my consumer report, which is a clear violation of the Fair Credit Reporting Act ( 15 USC 1681a ). Which clearly states that you can not report late payments to a third party data furnishing company that you do not own ( other than agents of the institution ). The Fair Credit Reporting Act ( 15 U.S. Code 6803 ) also states that you can not disclosure any non public information about me without my knowledge or expressed consent. 
According to Congress, CAPITAL ONE may also be in violation of 15 U.S. Code 2068, which clearly states that my consumer report can not be distributed in commerce if the manufacture knew or should have known of such voluntary corrective action. In addition the Fair Credit Reporting Act ( 15 U.S. Code 2069 ) states that aforementioned violation of 15 U.S. Code 2068 requires monetary relief not to exceed {>= $1,000,000}. 

I have identified the following issues : Late payments ( transactions or experiences ) being furnish on my consumer report. I believe these matters warrant resolution before resorting to arbitration.
Consumer complaint received 2024-05-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY (MA)

I was scammed XXXX on XXXX  by a guy name XXXX XXXX I used the funds to but XXXX  from there on XXXX sent me a link to send the money to the XXXX XXXX. I even asked the bank to pull back the transfers and I have had no luck
Consumer complaint received 2023-01-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Digital Currency Group Inc (NY)

Genesis Global Trading partners with the company XXXX XXXX XXXX XXXX XXXX and offers an account called XXXX XXXX  ( also known as XXXX XXXX  ) The account is advertised as a low risk way to earn interest on Cryptocurrency assets. The program marketing and agreements state that assets can be redeemed from the account at anytime, instantly. 

I made deposits into my XXXX account between XX/XX/XXXX to XX/XX/XXXX. 
On XX/XX/XXXX I initiated a redemption from my account for {$180000.00}. I received a message stating the funds would be available by XX/XX/XXXX or earlier. As of today the redemption is still " pending '' and I have not been received my assets back. 

In addition to the above amount, I have approximately {$25000.00} in cryptocurrency assets and {$3900.00} in interest in my XXXX account which is also being withheld. 

I contacted XXXX on XX/XX/XXXX regarding the pending redemption. They responded the same day stating they had paused the redemption of funds from the XXXX program. I corresponded with them again on XX/XX/XXXX and XXXX, XXXX. They have continued to state that they can not give me access to my assets and they have frozen withdrawals from my XXXX account. 

XXXX has indicated their partner company, Genesis Global Trading is responsible for customer assets in the XXXX program. Theyve stated Genesis Global Trading has frozen redemption and withdrawals from XXXX accounts. They have not been able to provide additional information, or to give a date when my assets would be available for withdrawal. I have not been able to reach Genesis Global Trading regarding the issue. 

Genesis Global Trading XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX United States XXXX # : XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (GA)

My name is XXXX XXXX XXXX XXXX, and I am writing to bring to your attention certain discrepancies and concerns regarding the information reported on my credit file. I believe that certain entries may not be certifiably compliant, proven valid, or adequately documented as fully true and physically verified. To assist you in addressing this matter promptly, I would like to provide you with specific details related to my account : Full Name : XXXX XXXX XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Birthdate : XX/XX/1994 FTC Report Number : XXXX Upon reviewing my credit report, I have identified potentially duplicative and unquestionably dubious entries that lack the necessary authorization or approval from me as the individual concerned. As a conscientious consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I wish to exercise those rights by formally requesting the removal of these questionable entries as soon as possible. Under federal and state consumer and civil rights statutes, I am entitled to dispute and challenge any information on my credit report that is not in compliance with FACTA Title 1 Section 151. This particular section unambiguously mandates a specific modus operandi for reporting, and I seek your cooperation in ensuring that the reported items adhere to these legal standards. I understand the importance of accurate and fair reporting, and as a responsible consumer, I am committed to ensuring the integrity of my credit information. I kindly request that GOLDMAN SACHS BANK USA conduct a thorough review of my account, validate the accuracy of the disputed entries, and take appropriate action to rectify any discrepancies. To facilitate this process, I have attached a copy of the FTC report related to this complaint for your reference. I appreciate your prompt attention to this matter and your cooperation in resolving these concerns within the framework of the Fair Credit Reporting Act. I trust that GOLDMAN SACHS BANK USA will conduct a comprehensive investigation and make the necessary corrections to ensure the accuracy and compliance of the information on my credit file.
Consumer complaint received 2023-12-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

I had excessive overdraft fees from Wells Fargo in the past year XXXX and XXXX. 
And I just found out about the settlement that was approved this year and have not heard anything from my bank and I believe i should qualify for competition since I have been a customer with XXXX
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2023 I received a copy of my credit report from TransUnion, XXXX and XXXX. After receiving my report, I noticed that there were inaccuracies on some of my accounts. I sent letters to TransUnion, XXXX and XXXX on XX/XX/2023 asking them to investigate the accounts and ensure that they are 100 % accurate ( see attached documents for tracking numbers and letters ). XXXX received my letter on XX/XX/2023 at XXXX. TransUnion received my letter on XX/XX/2023 at XXXX. XXXX received my letter on XX/XX/2023 at XXXX. I received letters back from XXXX and XXXX showing that they had completed their investigations into the accounts. I did not receive a letter back from Transunion. I received a new copy of my credit report from TransUnion, XXXX and XXXX on XX/XX/2023. This is 30 days after my letters were received. Upon looking at my reports, I noticed that there were still inaccuracies. 

On XX/XX/2023 I submitted a complaint to the CFPB about the inaccuracies. Experian Complaint ID is XXXX. XXXX Complaint ID is XXXX. Transunion Complaint ID is XXXX. XXXX Responded on XX/XX/2023. XXXX Responded on XX/XX/2023. Transunion Responded on On XX/XX/2023 I pulled new copies of my credit reports AND THERE ARE STILL INACCURACIES. This will be my THIRD TIME trying to resolve these issues. I do not understand why I am being pushed around by the credit bureaus. I do not understand how the credit Bureaus are able to tell me that ALL INFORMATION IS CORRECT, but report completely different information! This is my last time trying to resolve this issue before seeking financial compensation FOR EACH INACCURACY. 

According to the FCRA a credit reporting agency 's role in a dispute is to review accuracy and completeness of any disputed item. PLEASE EXPLAIN WHY THERE ARE STILL INACCURACIES BEING REPORTED IF YOU ACTUALLY REVIEWED MY DISPUTE! 

On XXXX XXXX XXXX XXXX Account Number : XXXX or XXXX, Worst delinquency is inaccurate. Payment history is inaccurate. Derogatory events is inaccurate. Closed date is inaccurate. Last activity is inaccurate. High balance is inaccurate.
Consumer complaint received 2023-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (NV)

My son, who has a gambling disorder, used our Discover credit card over the summer of 2023 for online gambling with XXXX. What I find sickening is that Discover allowed the entire credit line to be used for online gambling. I confirmed that my credit card agreement with Discover shows online gambling charges are considered a cash advance. So instead of owing a small % of my credit line ( as per the contractual agreement ), I am being held to the full amount. How many consumers are being held responsible by Discover for this irresponsible lending practice? What reputable credit card company allows consumers to gamble their entire credit card line? 

I contacted Discover multiple times for an explanation of this consumer protection failure but have never received a response. They have never explained to me why my full line of credit was able to be charged instead of a small % as cash advance ( contrary to the contractual agreement ). 

If Discover wants to be a company that helps consumers with a brighter financial future, this type of practice is not convincing.
Consumer complaint received 2024-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST COMMONWEALTH FINANCIAL CORPORATION (AZ)

Bank was by an XXXX  XXXX ( XXXX  ). XXXX lost my POA and signature card. XXXX wants me to visit branch. I live in XXXX  and banch in XXXX. 

Account is overdrawn and they will not provide service because account is in my Mom 's name. Mom is in XXXX home. 

I need access to this account. I have resent POA.
Consumer complaint received 2023-12-11
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Remitly, Inc. (FL)

I have been using Remitly.com to transfer money to my friends in XXXX over the last couple of years. Occasionally, During 2023 I had four transactions that were debited from my account that I had to cancel. I received confirmation emails that the transactions were canceled but the money was never deposited to the account. I have been trying sent XXXX of 2023 to resolve the issue. Basically, they have been blowing my off saying the money was returned even though I sent statements in showing the money went out of the account but was never returned. The four transactions add up to over {$500.00} XX/XX/2023 XXXX USD ( on this one there were two transactions around this date that were canceled and they return one of them ) XX/XX/2023 XXXX USD XX/XX/2023 XXXX USD XX/XX/2023 XXXX USD I have all the cancellation notices and sent them all my bank statements showing the money was never returned. They keep on saying the money was returned and I should have my bank trace the money. They basically stole over {$500.00} from me
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX