davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I opened this account maybe 4-5 months ago. Back in XXXX ( This is for your IT/Coding people ) I clicked Make A Payment and a popup came onto the screen asking how much and it auto filled the payment method. I selected the amount which I believe was {$380.00} on XX/XX/XXXX. I selected the {$380.00} HOWEVER I clicked on " Update or change payment method. '' I'm not sure the exact hyper link description but something like that. I clicked it and changed the payment method. There was a " SAVE '' button to click and I never clicked it. I received an important phone call and ended up exiting the browser ( it timed out ) and I never saved the new method NOR I NEVER CONFIRMED THE PAYMENT. 

Fast forward 2-3 days later and the payment ran ANYWAYS and was returned as NSF. I never authorized that payment period. 

Fast forward another 30 days or so my card stops working. I contact capital one and they say that they restricted or closed my account due to violating their T & C. I never made that payment. Clearly their online system was confused or improperly coded ( please investigate this you'll learn its a bug ) and forced a payment I never authorized. 

So they closed or restricted my account and said that I can no longer use it due to their own system bug.
Consumer complaint received 2023-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (AZ)

I received an ALREADY ACTIVATED credit card from Citibank through their Home Depot advertising -- after I have already told Home Depot to not send me any thing like this and cut up their previous card in front of them. Home Depot stated that they cancelled my card last time and removed my info from their records. XXXX, Citibank supervisor in Idaho, states that Home Depot could not have done this. So, Home Depot lied. When I got this mailed second card, I FINALLY got this second card cancelled today, after 45 minutes of their phone reps hanging up on me. I did not ask for a credit card. I did not fill out info from Home Depot to receive a credit card. This action by Citicard and Home Depot messes with my credit score and my personal financial information.
Consumer complaint received 2023-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On XX/XX/2023 - made payment of {$8000.00} Called on XX/XX/2023 to update to payment of {$800.00} On XX/XX/2023 USAA updated account to show ADJUSTMENT-PAYMENTS - {$8000.00} On XX/XX/2023 USAA *FINANCE CHARGE* PREV CYCLE PURCHASES - {$57.00} Finance charge is back-interest they are charging me on the {$8000.00} to current date Adjustment payment is the adjustment of {$8000.00} back onto my account. I have not received the money back ( XX/XX/2023 ). They sent a letter stating a check was sent on XX/XX/XXXX. 

1 ) They are refusing to remove back-interest charges, even though they processed and have my payment of {$8000.00} ( as of XX/XX/XXXX ). 

2 ) They are refusing to update the statement to remove the {$8000.00} " ADJUSTMENT-PAYMENTS '' until I receive and cash the check. 

I should not pay interest or back interest on money that has been out of my account since the payment processed on XX/XX/XXXX.
Consumer complaint received 2023-07-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NV)

On XX/XX/XXXX, I sent letter to SLS Dispute department to inquire details of the 2nd mortgage that I previously had with XXXX XXXX. They are charging me an interest amounting to {$160000.00} on top of the original loan of only {$170000.00} which has a principal balance of {$170000.00}. I needed so sell the house and pay the {$330000.00} to release the lien on the property. I wanted to know why and how did they calculate the interest of XXXX and what interest rate they used. when was the loan transferred to SLS from realtime solutions and from XXXX. Why is the interest almost amounts to the original loan. I will attach a copy of the letter that I sent them,
Consumer complaint received 2023-07-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fairway Independent Mortgage Corporation (CA)

I contacted Fairway Mortgage about a XXXX forbearance on XX/XX/2023 and I was told the representative couldn't help me and I got a call back from management and they wouldn't put me onto forbearance. I was down to my last dollar and the issue was that the roof was damage with siding and I didn't have funds to fix it. I have a tenant in place that I reduced their rent for and just a matter of time when they will leave and the unit will be vacant and I can't find a renter for the unit until the residence is repaired.
Consumer complaint received 2023-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CT)

These events take place within the last 8 days and is still ongoing : XX/XX/2023, and XX/XX/2023. 

My Chime account was " suspended '' on XX/XX/2023 for suspicious activity after depositing my XXXX US Federal Income Tax Return. Upon this realization the following day, XX/XX/2023, and after speaking with customer service I was instructed to email a list of documents to prove my identity and the legitimacy of the deposit as well as an explanation for the deposit. 

I have since spoken to customer service twice in the last week, given support ticket # XXXX, and have sent the following documents ( for which I have received no confirmation of receipt ) : 1 - Medical Bill ( Proof of Address ) 2 - Government Issued Photo ID ( Drivers license ) 3 - Photo of me holding physical ID 4- United States Passport 5- Letter from IRS to me, stating Tax Refund amount that was deposited 6- Letter from IRS to my spouse, stating Tax Refund amount that was deposited On all 3 occasions after contacting customer service, I was told that I would receive notice of a review being completed within 24-48 hours. It has been 96 hours since the first time I was told that. The last time that I spoke with customer service, yesterday, I was again told that I would receive notice within 24-48 hours.

It has been 8 days since access to my account and primary source of funds was suddenly terminated. This has obviously created an emergency situation for myself and my family, and I am desperately seeking assistance to resolve this problem. I have complied with everything Chime has asked of me with patience and understanding.
Consumer complaint received 2018-03-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (PA)

I purchased a dish washer from XXXX in XXXX and applied for a credit card to pay for it. The dishwasher took over a month to arrive and be installed. I received my first bill for the credit card before the dishwasher arrived. The first payment on the {$800.00} bill was due XX/XX/2018. I made a payment of {$200.00} In XXXX I came down with the XXXX. I have a XXXX XXXX so treatment was difficult. I missed the date for my second XXXX payment which was XXXX XXXX. On about XX/XX/XXXX I received my first phone call from XXXX XXXX regarding the XXXX card and they have continued ever since. I was hospitalized for four days with the XXXX  and was hospitalized again this weekend XX/XX/XXXX to the XXXX. This afternoon ( XX/XX/18 ) as soon as I got home from the hospital I had 12 phone calls on my answering system and a taped phone call came at XXXX pm from Synchrony requesting payment on the credit card.
Consumer complaint received 2023-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Company : XXXX XXXX XXXX XXXX, consumer phone # XXXX XXXX XXXX XXXX file number : XXXX Claim date : XXXX Claim Location : XXXX CA XXXX access key : XXXX client claim number : XXXX WILBER indicated : we are handling this claim on behalf of USAA Casualty Insurance Co which is seeking reimbursement @ amount {$2700.00} from incident which occurred on the claim date. Please send info contact XXXX I have no idea of what is this about? I have no business or any relation with USAA insurance Co. nor did I have any incident ( reported / claim ) on the claim date ( XX/XX/2022 ) at location ( XXXX CA ). 
This is suspected as ID Fraud maneuver originated from USAA which somehow obtained my name and address ( only, no other info e.g. Tel # or detail information, provided by the involved companies. )
Consumer complaint received 2023-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WI)

In XXXX of 2023 I tried to pay a credit card bill I have with USAA. I hadn't used the credit card in a couple years, but I had an emergency in XXXX of this year that I had to use it for. My plan was to pay the balance in full, in XXXX of this year, but I was unable to make a payment to USAA do to not being able to verify my identity. The only way they would allow me to verify my identity was by verifying a code that they wanted to text to my cell phone. The problem was that that was an old phone number which is XXXX. Sense I could not verify my phone number because I no longer have that number, I was hung up on by several USAA customer service reps. After serveral more phone calls, I finally got a customer service rep that agreed to listen to me. He said that it is company policy for them to hang up on people who have identitites they are not able to verify. He also said that USAA has an online service where I could upload my passport and drivers license to get verified. So I immedialtley did, but that did not work either, so I called back and was given a fax number to send my information and just wait for a call back, but I never recieved a call. So I called again a few days later, and they said to just have my bank send them a check and they would apply it to my account. USAA ended up not accepting the check and sent it back. Now they have reported to the credit burreaus that I am 30 days late on a payment, and they literally wont let me pay my bill. I dont know what to do. Please help
Consumer complaint received 2023-07-21
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: TD BANK US HOLDING COMPANY (LA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2021-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of fraud, I have a fraud alert on my credit report and have disputed several inquiries with XXXX, and transunion with no resolve. Please see the following. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc. (NV)

I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.
Consumer complaint received 2023-07-21
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: Synovus Bank (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-04-16
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Fees charged
Company: Onity Group Inc. (MA)

I am a co-trustee on a nominee trust for my father 's property. My father obtained a reverse mortgage from XXXX XXXX XXXX without me signing off on it as a co-trustee. I wouldn't have signed off. It was transferred to XXXX XXXX and then PHH Mortgage. My father had XXXX for the past XXXX months of his life. I had a power of attorney which PHH mortgage refused to recognize. My father passed away on XX/XX/2024. I sent them a letter of representation and have contacted them no less than XXXX times to attempt to get payoff information and dispute various fees which they kept adding to the mortgage after my father passed away. I am trying to sell the property. They still refuse to speak with me. I have sent them a letter of representation, death certificate, will, XXXX XXXX, and an inter vivos trust. The documentation is attached. I have never dealt with a company that engages in bad faith to this extent.
Consumer complaint received 2023-11-28
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. (NC)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 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 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
Consumer complaint received 2023-07-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Albert Corporation (WA)

XX/XX/20, I tried reaching out to Albert to retrieve ~ $ XXXX in savings to be transferred back to the account that had initially transferred them to Albert. These funds are time sensitive for a home purchase. Albert does not share their transfer limits prior to attempting a transfer, or the amount that I've previously transferred, but are preventing me from making the transfer for being above that limit. Albert does not have a phone support, only text, and have stopped responding to my inquiries. I've requested repeatedly for Albert to close my account immediately with no response.
Consumer complaint received 2022-05-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-11-11
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. (NY)

I am dismayed by the capability of the Credit Reporting Agencies to retain disregard a consumer 's appeal for the alteration of the disputed accounts on my Credit Report. Credit Bureaus are obliged to confirm the information and status of the accounts being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed accounts saying that the information they gave is precise, with which I seriously disagree. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. 

XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-12-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I received notice from XXXX insurance company that our policy is past due ( XXXX ) Contacted mortgage servicer ( Mr Cooper ) to see when payment was sent. ( XXXX ). Automated telephone system says the payment was made to " XXXX XXXX '' on XXXX for {$3200.00} Mr. Cooper needs to rescind payment to " XXXX XXXX '' and send payment to XXXX XXXX.
Consumer complaint received 2023-07-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION (GA)

The company keep putting different dates of the last payment received dating all the way to XX/XX/XXXX. I was not a joint applicant.experienced identity theft. States XXXX is owed on auto loan. Initial date of auto loan states XX/XX/XXXX. Action that was taken was a repossession.
Consumer complaint received 2022-12-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (NC)

To whom it may concern, i am writing because i have been trying to correct an era on my XXXX credit report and have written many disputes asking for validation and/or removal of the alleged debt and have received little to no acknowledgement so i decided to reach out to the company XXXX/COMENITY/XXXX who gave the data to the CRA with the little bit of information i have on them which is just a XXXX XXXX XXXX XXXX and no phone number. I asked them for validation of the debt i.e. original signed contracts or something to verify the unknown debt. My letter was received on XX/XX/2022 and signed for by a XXXX XXXX but i have not received a response of any sorts from XXXX, XXXX/COMENITY/XXXX or XXXX XXXX nor was my credit report notated as being in dispute or the items removed. XXXX and XXXX have removed the inaccurate and unverified items but XXXX has yet to even acknowledge the ERROR. I have been trying to resolve this matter for months but i am being ignored and my rights are being violated. My next step is to take legal action to correct the unjust harm being exacted upon me and my well being. 

Thank you for your assistance in this matter.
Consumer complaint received 2023-07-20
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Specialized Loan Servicing Holdings LLC (MD)

Have a mortgage thru Specialized Loan Servicing. I had a bankruptcy case discharged in XXXX of XXXX. I had noticed this account was not reporting to any of the credit bureaus. I researched information as well as contacted SLS and credit bureaus as well as the bankruptcy attorney to get information relating to and determined that the account should be reported by SLS to all credit agencies. I have had calls to SLS and certified mailings to them as well as electronic dispute requests and certified mail to all XXXX credit bureaus. It was to have been resolved. I now see it only showing on one credit bureau and that info is inaccurate and limited with last updated XX/XX/XXXX. Also shows a late pay in XX/XX/XXXX inaccurate
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Diversified Adjustment Service, Inc. (MD)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit ny purpose If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication.