davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IN)

There was a transaction that was debited from my checking account on XX/XX/23 in the amount of {$85.00} by " XXXX '' and it should not have been. I disputed this charge with USAA and they gave my provisional credit. They asked for me to send info and I did but they claimed they never received it. On XX/XX/23 USAA reversed this charge with no further evidence.
Consumer complaint received 2020-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (AZ)

Issue with American Express Consumer card : As per the CARD ACT of XXXX, Credit card companies were given guidance on how to distribute consumer payments across different APR balance. The CARD Act has prohibited this disadvantageous payment allocation system and requires credit card companies to apply consumers credit card payments to the highest APR first. 

on XX/XX/XXXX, I took a cash advance with fees totaling {$1000.00} at 25.24 % interest. once the payment posted, I called to get the amount required to pay off and was told minimum payment ( {$200.00} ) plus cash amount balance ( {$100.00} ) and to also account for compounding interest until the payment posted. I made a payment of {$1300.00}. 

XXXX statement- charged {$22.00} in interest because of paid cash advance. I called and was told that it would be fixed. It was not XXXX statement- charged {$19.00} in interest because of paid cash advance. 

I called American express on XX/XX/XXXX and was told- verbally- by the representative amounts over the minimum due are applied to lowest APR purchase first. My APR is currently 0 % .Iexplained to her that was not accurate and she preceded to tell me about the payment hierarchy that Amex follows. Why does this excuse the act to protect consumers from making good on payments and not be consumed with interest and debt from large corporations. If this is not investigated, I will contact the FTC to launch an investigation into the fraudulent behaviors of one of the largest consumer credit cards taking advantage of other citizens who may not be aware of their consumer rights.
Consumer complaint received 2021-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Michigan Mutual, Inc. (MI)

This is a new mortgage and the problem occurred when I accidentally made a duplicate payment for XXXX. I did not realize that the automatic payment would begin so quickly as I had not received confirmation, so on XX/XX/XXXX I made an electronic payment. On XX/XX/XXXX, the automatic payment went through for a second payment. I immediately called customer service and was told I could submit the request on line via the customer service portal. I did that on XXXX but did not receive an email confirmation until XX/XX/XXXX. I called the company and was told the check was cut XX/XX/XXXX and to give it a few days due to the holiday. 

It is now XX/XX/XXXX and still no check. I have called, emailed and called every day to be told the check was mailed XX/XX/XXXX and to wait a few more days. I have been transferred, cut off, hung up on, ignored and lied to with every call. 

No one will provide their name, telephone number or any other information other than we are checking on this and will call or email you. In the meantime I have continued to make the payments and have experienced financial hardships, paid late fees and dealt with incredible frustration just trying to get the duplicate payment reversed or I'll even live with the duplicate payment being applied to the account. 

Please help
Consumer complaint received 2020-09-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation (PA)

I sent a letter to Deville Asset Management at the address they provided to XXXX, XXXX XXXX XXXX, XXXX, XXXX, TX XXXX. That mail was returned to me as undeliverable. That address is not valid, therefor they are not reporting 100 % factual information to the credit bureaus. These are violations of the FCRA and FDCPA. HELP ME!
Consumer complaint received 2020-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (NY)

This was removed off of my credit report due to my identity theft and magically reappeared recently after it was proven there were fraudulent charges on my account with no resolution. My account was locked with XXXX  so my identity would have to be shown or proven and there were 4 fraudulent XXXX  added to my account and my account was changed without my permission in any way and they didnt do anything about it so I switched providers! How did it verify it was deleted off my credit report and now its there again?
Consumer complaint received 2020-09-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (AE)

The VA loan on my home is serviced by Freedom Mortgage which requires payment to an escrow account for the purpose of assuring payment of property taxes and private hazard insurance premiums. At all relevant times up to and including the present, I made payments through automatic withdrawal, never missing a payment and never making a late payment. 

For the year XXXX, Freedom Mortgage paid the first installment of the property taxes when due in XX/XX/XXXX, however, Freedom Mortgage failed to pay the second installment which was due in XX/XX/XXXX. I became aware of this when I did my XXXX taxes in XX/XX/XXXX and immediately contacted Freedom Mortgage on XX/XX/XXXX, explaining the situation. On XX/XX/XXXX, Freedom Mortgage paid the delinquent taxes, as well as a {$220.00} penalty which had been assessed by the county for the late payment, using funds in my escrow account. On XX/XX/XXXX I contacted Freedom Mortgage and asked for the {$220.00} penalty to be credited to my escrow account. 

After receiving no response, I sent Freedom Mortgage a qualified written request on XXXX XX/XX/XXXX asking them to credit my escrow account in the amount of {$220.00}. I received a response from Freedom Mortgage dated XXXX XX/XX/XXXX stating that, according to their research, the taxes were billed annually due to a change in my principal residence status. Although, my principal residency status did in fact change due to a move overseas, this did not occur until XXXX of XXXX and did not negate the fact that the second installment of the XXXX property taxes were still due in XXXX or the fact that, pursuant to the Real Estate Settlement Procedures Act ( Regulation 1024.17 ( k ) ( 1 ), the responsibility for timely payment of the property taxes rested with Freedom Mortgage. 

In addition to losing the {$220.00}, I also lost the opportunity to deduct the full property tax amount from my XXXX taxes. I have also spent considerable time attempting to resolve this issue with Freedom Mortgage without success. I am requesting that Freedom Mortgage credit my escrow account in the amount of {$220.00}.
Consumer complaint received 2022-11-06
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. (OH)

I received a statement of account for XX/XX/2022 from XXXX Bank XXXX 
I dispute this debt and all claims contract according to 15 USC1692g. Also the account has been closed. I rebuttal XXXX Bank account because I do not owe this credit card statement and this is not true bill of commerce. Also XXXX Bank has double dipped for least 3 years. Therefore I am requesting a Rescission under 15 USC 1635b : Return of money or property following rescission. Under the Truth of Lending Act, it is against the law to denial me of my own credit, charge interest on my credit and close my account. Thank You
Consumer complaint received 2020-09-29
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. (TX)

I XXXX XXXX requested Experian to block fraudulent items off my credit report. two of them that they didnt block was XXXX XXXX  and XXXX XXXX/XXXX  under the FCRA subsection 605b I requested the two accounts to be block due to fraud. the companys had resert it back into my credit report without any explanation why they reinsert it. so I provided additional information, relevant documents as the XXXX county police report. A POWERFUL AFFIDAVIT. THE MORE EXPERIAN AND XXXX  KEEP PLAYING GAMES, THE EASIER I CAN BUILD A CIVIL CASE. AT THIS MOMENT I CAN SUE THEM FOR OVER {$40000.00}.
Consumer complaint received 2022-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

In accordance with the fair credit act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 usc1681. 
XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 XXXXXXXX, XXXXXXXX XXXX XXXX XXXX, Has Violated My Rights. 
15 u.s.c. 1681 section 602A states I have the right to privacy.

15 u.s.c. 1681 section 604 a section 2 : it also states that a consumer reporting agency can not furrnish a account without my written instruction.

15 U.S.C. 1681c. ( A ) ( 5 ) section 5 no consumer reporting agency may not make any consumer report containing any of the follwing items of information.any other adverse item of information other then records of convictions of crimes which adtedates the report by more then 7 years. 
15 u.s.c. 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer related agency if the person knows or has reasonable cause to believe that the information is incorrect.
Consumer complaint received 2020-09-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

2013 I opened 2 separate secured accounts one for XXXX and the other for XXXX. Due to financial hardship, I default on both accounts. The money I've deposited for the secured accounts should cover the amount default. The collection company is trying to get me to pay on a debt that is already paid in full. I called and explained the situation and I'm not getting anywhere. They don't have records of my secured deposits but they do understand that they were both secured accounts, meaning that the deposits made secure the default amounts
Consumer complaint received 2020-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CUSTOMERS BANCORP, INC (CA)

I purchased a product online from a company that was on XXXX. I paid {$49.00} on XX/XX/2020 I never received the merchandise. XXXX XXXX XXXX is a fraudulent company and have defrauded all customers who never received their product. I called my bank and filed a dispute however my bank is saying they are waiting to hear from the merchant. The merchant is a fraud. I want my money returned from my bank. I purchased using Master Card debit card. My bank is Bank Mobile Vibe aka XXXX XXXX aka Customers Bank.
Consumer complaint received 2022-11-06
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. (IL)

Please note, this is not a duplicate complaint, I'm sending this complaint because Experian turned me down with my dispute an error on my report. I had to do my own investigation and provide new evidence to this matter. So, XX/XX/2021, I sent a letter to the courthouse asking do the report bankruptcy to the credit bureaus and I got a letter responded on XX/XX/2021, stating : They DO NOT REPORT any bankruptcies to anybody So If this the case. How did the credit bureaus verify my bankruptcy as XXXXXXXX XXXX Accurate?? They never did a fair investigation according to the 15 USC 1681. The clerk of courthouse pulled up the record by my social security number and name and address and no result. Please see attached with this complaint.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from consumer. 
They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C. 1681 section 602 A. States I have the rights to privacy.

According to : 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 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 2024-04-18
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: GUARANTEED RATE INC. (MA)

I closed on my house XX/XX/XXXX through the company Guaranteed Rate Inc. At the time of closing my monthly mortgage payment was XXXX. XXXX was taken out of each monthly bill and put into escrow. My loan was recently sold to another company XXXX serviced by XXXX XXXX. We received a statement on XX/XX/XXXX informing us that our escrow account was short and that we would be paying an extra XXXX a month for 12 months to catch up then it would drop down XXXX permanently. I contacted the original company that we closed with at the time of the purchase and they admitted that they failed to estimate the taxes based off of the home assessment because it was new construction and the town didn't assess the house yet and they failed to push back on the lawyer who provided them the information as well as failed to inform us of this prior to closing. My mortgage is going to be over XXXX dollars a month now and I don't know how I am going to pay it. We specifically bought the house based of of the monthly payments we were told we would have if we knew they would have been XXXX more a month it would have significantly impacted our decision.
Consumer complaint received 2024-04-17
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CCF Intermediate Holdings LLC (SC)

I received a call from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX about a payday loan taken out on XX/XX/2016 that I never applied for or received. Unable to provide original info or what state the application was applied from or who the exact payday loan person was at that time.
Consumer complaint received 2022-11-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FinCo Services Inc DBA Current (MI)

I am the legal guardian and grandmother of XXXX XXXX XXXX XXXX There is an associated complaint that I have already filed, case # XXXX regarding credit card fraud committed by his biological mother XXXX XXXX XXXX Currently, she has initiated or may have initiated in the past a paycard for direct deposit for my grandson which was not authorized by me. He and I plan to establish a physical banking account, not a pay card as this will be his first job at age XXXX. After being hired at XXXX XXXX and first date of on the job will be XX/XX/2022, his mother apparently ordered a pay card in his name allegedly preparing to make transfers into his account. I explained to my grandson that he will not being using a pay card and explained to his mother who continues to exploit his social security number. I have attached the guardianship document, his social security information, my license and a text message sent from mother who admits to making plans to transfer money between accounts when she is no longer responsible for him.
Consumer complaint received 2020-06-19
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica (PA)

I receive SSXXXX benefits. Comerica Bank deposits my funds into a Direct Express card. My deposits for XXXX and XXXX of 2020 were never deposited into my card. When I went to withdraw my XXXX funds, the ATM rejected my card. When I called Direct Express, they told me that I called to cancel my card. That was false and why would I do that? I ended up waiting for about a month to finally receive a new Direct Express card, but my deposits from XXXX and XXXX were never deposited into my new Direct Express card. When I called Direct Express, they said they have no record of anything and they would have to do an investigation. I completed forms and submitted back to Direct Express, to later get a response that the investigation is closed and I am not receiving my deposits from XXXX and XXXX. They have also refused to reset my password to get into my Direct Express account, so I can see if those deposits were ever made. They told me that I would need to contact Comerica Bank and I have tried to call Comerica Bank and like Direct Express, you never get to speak with anyone! I can not understand how this is legal. My SS benefit deposits that I rely on to live are missing and the only people that know the truth are Direct Express and Comerica Bank. Hundreds of people are going through this. All you need to do is go on the internet and type Direct Express and Comerica Bank and see that there have been fraudulent activities that have been made in regards to people accounts. Senator XXXX XXXX of Massachusetts even conducted an investigation. I am begging that someone help me. It is now XXXX and I still have not received my money! 
Dates that I faxed documentation and letters : XX/XX/2020, XXXX and over 50 phone calls. 
My deposits were for : o Deposit for XX/XX/2020 in the amount of {$1000.00} o Deposit for XX/XX/2020 in the amount of {$1000.00} o 2 Deposits for XX/XX/2020 in the amounts of {$300.00} for each child = {$600.00} total for XXXX. 
o 2 Deposits for XX/XX/2020 in the amounts of {$300.00} for each child = {$600.00} total for XXXX. 
This is inhumane! I can not believe that institutions can get away with this!
Consumer complaint received 2022-11-07
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: Experian Information Solutions Inc. (PA)

Experian report number XXXX. 
I have previously disputed and had this same collections from XXXX XXXX removed three times. This is the fourth time it has returned. I disputed it again and was not successful in having it removed, submitted a follow-up dispute on their failure to remove it, and the collection remains on my report. I believe it stems from identity theft around the first time I discovered the collections. I had to also remove an address from a state I've never been to. 
I want this collections removed from my report, and I'd like to never be inconvenienced by it again. 
My previous successful reports are XXXX, XXXX, XXXX, and the removed address XXXX
Consumer complaint received 2022-11-07
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. (IL)

I sent a letter addressed to the Credit Bureau requesting to conduct an investigation and correct the information being reported. The credit bureau must validate this account in line with FCRA 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 listed account need to investigate and correct from erroneous reporting. 
XXXX XXXX XXXX Balance {$0.00},
Consumer complaint received 2023-03-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Winklevoss Exchange LLC (PA)

My Gemini account has been frozen since XX/XX/23. I was exchanging emails back and forth with support for about a week after the freeze, but haven't heard anything since. I've sent multiple follow up emails with no response. It doesn't appear like there is any phone number I can call either. I have money on my account that I would like to withdraw asap.
Consumer complaint received 2022-11-07
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. (NY)

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was 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 are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX ; XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$650.00} ; XXXX XXXX XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX  Inquiry Date XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX Inquiry Date : XX/XX/XXXX ; XXXX Inquiry Date : XX/XX/XXXX.