davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-10
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION (DC)

When I went to close my accounts to pay for a downpayment on a house in late XXXX, Truist promised me in person at the branch with two employee witnesses that I didn't need to close the accounts and that they would instead convert me to fee-free no-minimum balance accounts. I was distrusting and they promised me repeatedly they would do this. Instead they charged me a fee and haven't removed it or promised to stop charging me with it. I called Truist customer support as soon as I could ( XX/XX/XXXX ), and they said they would resolve the issue. Just in case, I called the branch two weeks ago ( XX/XX/XXXX ), had to leave a message, and they never called me back. On a third call on XXXX XX/XX/XXXX, Truist customer service acknowledged that my account includes a note that I should not be charged any maintenance fees. They acknowledged that they failed to convert that money market account into something fee free. They also told me they have literally no product without maintenance fees ( without a minimum balance requirement ). Yet, there has been no remedy.
Consumer complaint received 2021-10-11
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: EQUIFAX, INC. (GA)

XXXX XXXX  card please remove very misleading and deceptive, I want this removed not mine, I dont appreciate this bank being deceptive to there customers and when talking with them or trying To understand any information its like dealing with a scammer and I want this off my credit report its a credit card called reflex from XXXX XXXX last four of that card number is XXXX
Consumer complaint received 2020-07-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (GA)

I called PayPal credit and offered to pay all but the exhorbitant late fees. Actual balance is only about {$350.00}. But because they will not shut the account down and will not settle for actual balance owed, the amount had accrued to {$790.00}. They keep adding {$39.00} per month plus interest. I do not use this credit and havent for over a year. But they will not stop. It is dragging my credit score down and they will not quit the charges. Im willing to pay what I owe but not all the late fees when I have tried to pay them. Even amongst Covid 19 they will not help and keep making it worse.
Consumer complaint received 2021-10-12
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: Bread Financial Holdings, Inc. (DC)

Assuming that autopay was enabled, I did not initially notice when I missed a due date for a minimum payment of ~ {$35.00} ( on a total balance of ~ {$80.00} at the time ) in XX/XX/2020. I have most of my accounts ( including a different store credit card account through this same bank ) set to autopay, and had not realized that autopay was, for some reason, not an available option for this account at the time. 

The late payment notice was filed with the credit reporting agencies before any attempt was made to contact me to resolve the issue- when I was notified and contacted I immediately paid off the balance in full. 

I have attempted to work directly with the bank to get this mark removed from my credit report, but they have refused to make any adjustments.
Consumer complaint received 2021-01-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

XX/XX/2021, I called the bank to complete a wire transfer. Since I am in MA they do not have a branch but they have Advisor offices. WF started to allow me to go to an Advisor office be certified and then a local office ( branch ) would make the wire transfer. They told me they would set this up and call me back in " 6 minutes '', after 5 hours no call, I then followed but they had no record of any of these actions. After discussing this with approximately 12 people in WF I arrived at square one. I called the Advisory group in XXXX and they are not even in the office. I called a local XXXX XXXX branch that states they open at XXXX with lobby and drive-in and not answer. I called the Executive Advocacy and they said they have 10 days to respond to me. They have totally road block me to make a wire transfer.
Consumer complaint received 2021-01-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (NY)

XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX in XXXX XXXX, MN, are pursuing a debt in the amount of {$2000.00}, that was due to identity theft, and my personal and family accounts being compromised/stolen. My own credit cards and family 's credit cards, along with my checking account, were compromised and were used to fraudulently send funds to and from our PayPal accounts and then withdraw them, particularly my PayPal account. My lawyer has contacted this firm.
Consumer complaint received 2023-02-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My dispute was submitted XXXX for sun loan..it was supposed to be completed XXXX  it has been over 30 days there for Transunion is violation of the FCRA
Consumer complaint received 2021-10-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (TX)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.
Consumer complaint received 2021-01-07
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: EQUIFAX, INC. (GA)

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. It has been well over 30 days!
Consumer complaint received 2021-10-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

On XX/XX/XXXX of this year XXXX My coinbase XXXX Account was hacked and all funds were withdrawn and sent to digital wallets outside my control. The online intruders first transferred all my assets to my regular Coinbase account, then they exchanged the assets to digital currencies that are more readily available world wide i.e Litecoin, Algo, Chainlink. Then they proceeded to withdraw in hundreds of small transactions, each transaction aprox XXXXdlls in Value. Following is the list of all assets taken : XXXX Bitcoin XXXX ICP XXXX Eth XXXX Cardano ( ADA ) XXXX Litecoin XXXX NMR XXXX Solana XXXX Matic ( Polygon ) XXXX Yearn ( YFI ) XXXX SNX XXXX Comp XXXX EOS XXXX QNT XXXX CGLD XXXX XTZ XXXX AXS XXXX WLUNA XXXX UNI XXXX GRT XXXX AMP XXXX DOGE XXXX FET XXXX ZEC XXXX MAKER XXXX SUSHI A Coinbase Representative told me that the company is not responsible if I fell to a phishing scam and they were going to investigate but crypto transactions are irreversible. The fact of the matter is that Coinbase has weak safety protocols and this has happened to thousands of clients. On XX/XX/XXXX they cancelled an XXXX dll withdrawal on my behalf that I attempted to send to my XXXX XXXX  account. they never explained why even though they had temporary access to view my info through XXXX. 2 weeks later they did not find suspicious that somebody had accessed my account from a different device, probably from a different country, executed dozens of transactions in a window of an hour approx. and then drained my account with hundreds of small withdrawals also in a span of less than 2 hours. Other platforms like XXXX will not authorize new crypto address until a 24hr delay, will notify their customers of every transaction via email, yet I signed on to Coinbase because it is touted as the most secure and reliable crypto exchange.
Consumer complaint received 2021-01-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (KY)

On XX/XX/XXXX, I applied for a refinance of my current mortgage with NewRez Mortgage. And have still not closed on my refinance. They have consistently been slow to respond to inquiries about their delays, or havent responded at all. 

My projected closure dates have come and gone, without being notified of any delay. 

Further, I have been asked to sign a Uniform Residential Loan Application ( form 1003 ) 3 different times ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), all with variances in the Details of Transaction section on all 3 applications. 
When I refused to sign it the third time, without an explanation of those variances, they have not responded to that email ( XX/XX/XXXX ). And they have also not responded to my subsequent email ( XX/XX/XXXX ).
Consumer complaint received 2021-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Bureau, Inc. (FL)

UNITED COLLECTION BUREAU Contact XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$700.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2021-01-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (WA)

My bill is due on roughly the 5th of every month. In XXXX, I made a payment on the XXXX and another one on the XXXX. The one on the XXXX was for the amount due on XX/XX/XXXX, and the one on the XXXX, made after the previous bill was due, would then be for the amount due in XXXX. Best Buy applied both of these payments to the bill due on XX/XX/XXXX, and then charged a late fee, and potentially interest on the " unpaid '' amount that was due on XX/XX/XXXX. I have called them, and spoke with a rep named XXXX, and they can not assure me that the late fee would be waived, and have said that they can not apply the payment from the XXXX to the bill due on XX/XX/XXXX. I have made payments on time every month, including for the one due XX/XX/XXXX, and I believe that this business has not acted ethically even though I have upheld my responsibility every month. Additionally, they have said that this could affect my credit score, which seems completely unethical considering they've received their payment already. Additionally, I have paid more than the amount due each month. This business needs to be held accountable so they are not allowed to do this to other customers as well.
Consumer complaint received 2024-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (CO)

XX/XX/XXXX New Rez bought my mortgage from XXXX XXXX, XXXX and became my new servicer XX/XX/XXXX Ltr from New Rez stating my property insurance policy address was incorrect. Asking me to correct it and stating they required a copy of my " full policy ''. I was unsure what was being requested as I had never been asked this by a mortgage servicer. I called the person who helped me refinance my mortgage in XXXX and he said he thought they might be asking for my home owners master policy. I mailed out a copy of that policy and a note stating that I live in a condominium complex so the homeowners assn policy was correct in listing just the main address of the complex. The policy showed that it was from XX/XX/XXXX through XX/XX/XXXX. 
XX/XX/XXXX Ltr from New Rez saying they were " working to gather requested information and would forward to me as soon as possible. '' XXXX XXXX Ltr from New Rez " due to the complex nature of this matter, New Rez respectfully requests additional time to fully respond '' XXXX XXXX Ltr from New Rez " we're working to gather requested info. '' XX/XX/XXXX Ltr from New Rez " Records show your homeowners ' association hazard insurance expired. We plan to buy insurance for your property. '' XX/XX/XXXX Ltr from New Rez " Due to the complex nature of this matter ... '' XX/XX/XXXX Ltr from New Rez stating " This is a 2nd and final notice re : homeowners ' association hazard insurance expired. '' XX/XX/XXXX I reached out to my management company and they assured me that the coverage had not expired and coverage was in place through XX/XX/XXXX, Also contacted XXXX XXXX agent who called New Rez and provided proof of my full coverage. 
XX/XX/XXXX I sent a letter to New Rez demanding remedy after I had provided proof of personal and HOA coverage multiple times and New Rez overpaid my personal coverage from escrow. 
XX/XX/XXXX Ltr from New Rez saying no proof of hazard coverage XX/XX/XXXX I emailed my XXXX XXXX agent asking for their assistance. 
XX/XX/XXXX Ltr from New Rez stating lender-placed insurance coverage put on loan. 
XX/XX/XXXX XXXX XXXX agent called New Rez and sent them complete coverage information. I was told I would receive a confirmation email from New Rez. 
XX/XX/XXXX Ltr from New Rez showing all the funds pulled from escrow over many months for " hazard coverage '' before any of this was sent to me. Also telling me I owe funds to them.
Consumer complaint received 2024-02-27
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. (CA)

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.

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 2020-07-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: JPMORGAN CHASE & CO. (AR)

I RE-FINANCED LOAN WITH OTHER LENDER AND WAS TOLD OF CHASE HAS MIS REPORTING ACCOUNT REFLECTING 990 % DEBT. THEY ALSO FAILED REMOVE ALL LATE FEES AND CHARGES SINCE CIVID 19 AS PROMISED SEVERAL TIMES ALL SHOULD BE REPORTING PAID IN FULL NEVER LATE-CLOSED AS OF XX/XX/2020.
Consumer complaint received 2021-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I am very disappointed. I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2021-01-07
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: EQUIFAX, INC. (GA)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I am very disappointed. I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2024-02-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (PA)

I was told i was behind $ XXXX after answering the phone because they were harrassing me non stop all day they call from from XXXX to XXXX XXXX  which is illegal especially since i am and have been actively paying it down and i just submitted a payment they are greedy and very annoying and Im about to get a different car i should not be getting harassed on a daily when i am making my payments leave me alone
Consumer complaint received 2023-03-06
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. (MO)

I took a look at my Credit report and it has multiple discrepancies that I have tried to settle with the credit bureaus and need them removed as the information violates FCRA guidelines.
Consumer complaint received 2021-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On the morning of XX/XX/2021 at XXXX I received an email from Capital One stating that they have chose to close both my checking and saving accounts due to not following guidelines. Prior to this incident I reported several times the use of fraudulent activity from foreign countries to the bank, locked my debit card and reissued a new one with the bank and was told that the bank will investigate on my behalf. The bank has failed to protect me on several occasions where my account has been hacked, including countries like XXXX and XXXX where they had access to hundreds of dollars from my account before I noticed. 

the bank itself failed to one contact me when noticing fraudulent activity, which when opening my account many years ago they said they will do and two, they failed to protect me as a customer, I am now out of the country with no access to my funds. No access to any of my accounts due to this on going problem
Consumer complaint received 2021-10-12
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

Best Buy does not list the names of items purchased on statements of it's Best Buy Card.

I do not know of any other company that does this. I have had my credit card misused and going through a divorce. I need to have proof what items where purchased that I paid for through auto payments set up by the purchaser from a joint checking account intended for mortgage, taxes and utilities only. in order to settle. 

I have called a number of times with no results. I called about a month ago to find that it is practically impossible. I speak to the credit card reps who refer me to another department that referred me back to the credit card reps. And so the circle continues. 

I am told a new company is now handling their credit card billing which implies it is even more difficult to get this information than ever. Since I have never received this information in the past, I can only imagine what my chances are now. This is all very unfortunate for Best Buy customers.
Consumer complaint received 2020-07-10
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. (MO)

On my XXXX credit report dated XX/XX/XXXX I have 3 collections accounts as follows XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$970.00} Balance updated XX/XX/XXXX.... 

XXXX, XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$1500.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$66.00} Balance updated XX/XX/XXXX None of these accounts are listed as medical debt, they are listed as collections, XXXX XXXX usa is listed as a charge off account and on transunion credit report has the account listed as a profit/loss writeoff
Consumer complaint received 2020-07-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

This account is currently Closed in the Credit Bureau file, but was recently sold to Portfolio Recovery. Account was opened about 3 years. I Notified creditor on this account, they are a rip off, said I owe more than I should.
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I have been filing complaints with this company for months now and I have yet to receive a response about my credit report. Back on XX/XX/2021 the COMPLAINT Number is : XXXX I require a full investigation as to why I have not as so much gotten an email about my complaint on these companies who has reported wrong information on my credit report. My credit report has different addresses that are false and I have not resided, therefore these account below are not associated with me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX