davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Although many foreclosure attorneys representing banks are of the opinion that bill " XXXX '' favors banks by speeding up the foreclosure process, in actuality not only requires more paper work but also serves to prevent fraudulent lenders from filling frivolous complaints. XXXX XXXX XXXX ( XXXX ), requires that lender seeking a lost or destroyed note must attached a copy of a certification to the complaint " Under penalty of perjury '' The certification must detail a clear chain of all endorsements, transfers, or assignments. SPS failed to comply with this STATUTORY REQUIREMENT. SPS used a certification of lost note at trial which failed to meet the statutory legal language " Under Penalty of perjury ''. Therefore the affidavit is useless in the face of the law. Their affidavit failed to provide a detail chain of endorsement and assignments. See the list of documents filed before trial and used for the purposes. None of the documents filed in court have any legal enforcement whatsoever. See the list of docs attached herein for your review. The lost note affidavit never mentioned the word " Under Penalty of Perjury '', nor the assignment was ever recorded, nor the loan modification ever valid because the stamps and intangible were never paid and therefore not valid in the state of XXXX or with any legal " ENFORCEABILITY " IN ANY CIVIL COURT ROOM WIHIN THE ENTIRE STATE OF XXXX. Action is hereby required from the Consumer Financial to act, sps has engaged in a multitude of fraudulent documents without having any rights or enforcement on the face of XXXX XXXX. yes ladies and gentlemen, sps is the one of the biggest fraudulent financial predators out there! The question we have to the consumer financial Protection is WHEN ARE YOU GOING TO ACT? Don't just stand there, act!!!! The passage of time does not make void documents legit!!!!!
Consumer complaint received 2021-11-23
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. (NJ)

XXXX, XXXX and Transunion refuse to remove unverified information from my credit profile. I have disputed items on my credit profile numerous times and all XXXX keep sending letter saying all items were verified. These accounts are unverifiable and should be remove immediately, they do not belong to me.
Consumer complaint received 2024-06-05
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (SC)

Around XX/XX/XXXX i noticed a unauthorized transaction to a mushsupply company. It was made online from a prepaid card i purchased. I put {$500.00} on the card and did make several transactions. I called immediately to report the transaction. I reported it to the number on back on card. I also filed a police report, i contacted inComm, who services these cards, i contacted XXXXXXXX XXXX XXXX affiliated with card who is FDIC insured. I also contacted the OCC. InComm claims they were unable to get my funds back, so instead they sent me money from merchants that i actually purchased and received goods from. Total fraud as those were authorized transactions. I am currently owed XXXX. 
I have received XXXX which the balance on my card. I also received XXXX taken wrongfully from XXXX  and XXXX XXXX
Consumer complaint received 2023-01-14
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. (GA)

I asked XXXX TransUnion and XXXX to do a verification on everything that is listed on my credit report, they stated that everything is accurate. However, I did a thorough research and found inaccuracies on my credit report. 

The credit bureaus didn't do a proper investigation on my credit report. 

According to 15 USC 1681 section 602 A. 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 an account without my written instructions. 

Account XXXX should not be furnished on my credit report. 


Account Number XXXX Original Creditor XXXX XX/XX/2021 XXXX XXXX XXXX XXXXXXXX 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 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 2021-11-23
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A. (PA)

At closing of the property, in which we were the seller, we learned of XXXX XXXX liens against property which turned out to be from a forbearance. Before we listed property for sale, I paid off the entire amount of the forbearance per flagstar. Now the title company held XXXX XXXX times the amount of liens to in escrow and flagstar will not release payoffs so I can get the funds and we on verge of missing closing on our new house. We called on XX/XX/21 and were told by the representative that she found the problem and it would take XXXX days to resolve. On XX/XX/21 we called to check status and it was like we were starting the entire process over again and now we are being told it will take XXXX days. Also the XXXX loans were never processed properly and never even applied to my mortgage. So when I paid back flagstar they just paid off my monthly payments for was behind and never notified XXXX.
Consumer complaint received 2021-11-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: MCU Holdings, LLC (UT)

XX/XX/XXXX, a representative from XXXX collections company called me and left a message. I called them back immediately and was transferred to the agent who left the message. The man told me I owed {$1800.00} to XXXX and that the company asked him to call me before they got XXXX XXXX XXXX involved. I asked if they are planning to sue me then since he said they were planning to get XXXX XXXX XXXX involved. The representative denied that he said anything of the sort and I asked him why XXXX XXXX XXXX would get involved unless they were planning legal action. He didn't really address that question. I asked for detailed information on the debt, account info, original contract, etc. and he said they sent me a letter ( which I never received ). He said he could email me the letter and I asked him to. When I received the letter, there was just the amount they said I owed, with absolutely no itemized breakdown of charges or original contract. Just a letter with company letter head. I watch my credit carefully and just refinanced my home. I don't have anything from XXXX on my credit and I don't recognize the debt.
Consumer complaint received 2021-11-23
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I and my children were supposed to get temporary credits based on dispute claims XXXX, XXXX, XXXX and XXXX from Bank of America. Most banks and Bank of America issued temporary credits for clients within XXXX business day. Dispute department has delayed for a long time. So when my bank account balance went down, and Bank of America charged overdraft fees XXXX times, total XXXX dollars Bank of America should return back all my moneys because low balance is not my fault. It is their fault for delaying to give us temporary credits. News medias and I will bring this case to XXXX XXXX office representing us. 
Evidences are attached ( including XXXX letter ) XXXX
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX reported my experian credit report twice two different accounts number and wouldnt remove the lost and stolen account with the balance {$1100.00} and I have XXXX accounts now and I would like for the old account number removed from my credit report and keep the new account number on my credit report please fix and my second issues is Im unable to make any change on my XXXX online profile and Im getting a error message saying this online profile is not available I cant make any changes such as my phone number or request a credit limit increase at all or update my phone number
Consumer complaint received 2021-11-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Google Compare Credit Cards Inc. (NY)

Google Pay has offers for spending at specific merchants after activating the offer in the app. One such offer was 4.5 % cashback for spending at XXXX XXXX. I followed all the instructions and spent at XXXX XXXX on XX/XX/2021 but have yet to receive the credit to my account. I sent evidence to XXXX, including the receipt and screenshots demonstrating the offer was activated and my credit card was enrolled in the offer. It has been nearly XXXX months of back and forth emails in which XXXX has frustratingly asked me to re-send evidence and insisted that my card was not enrolled, not understanding the root cause of their problem. XXXX 's process is simply broken. Even though the terms say you have to " pay with enrolled card, plastic or contact less. You don't have to use Google pay '', the system is not actually integrated this way as the plastic/contactless transactions ( at least on XXXX ) are not registered in the app. Presumably this is why I was not automatically credited, but XXXX has instead insisted my card is not enrolled even though I demonstrated irrefutable evidence that it is.
Consumer complaint received 2021-11-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Within XXXX ( XXXX ) minutes of each other on or about XXXX P.M., today, XXXX XXXX I received XXXX dunning telephone calls from the Bank of America. 

Furthermore, I had requested a reduction in my car loan payments but never received even acknowledgment from the Bank of America and yet the now are harassing me for full payment despite my request! 

I am a XXXXr citizens of advancing years with very serious medical problems indeed and the Bank of America is committing elder care law violations!
Consumer complaint received 2021-11-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (MN)

This is the XXXX time I am disputing the same identity theft debt from XXXX. Each time I report it through CFPB the corresponding collections agency closes the account, and my credit score returns to normal because the debt does not belong to me. However, when there is an inquiry on my credit for a new lease or a credit card, the debt ( {$400.00} ) pops back up immediately with another collections agency. 

The XXXX previous collections agencies were XXXX XXXX XXXX and XXXX  ) XXXX  XXXX. It seems to have been moved or sold to Enhanced Recovery Company in Florida. 

I have never been contacted by any of these agencies. I find out about this fraudulent debt when I check my credit score. Again, I have never been notified by any collections agency. 

I have no documents to show for any of this because XXXX XXXX XXXXhe debt doesn't exist and XXXX  ) I have never received a call or a piece of mail from any of these companies, including XXXX  itself
Consumer complaint received 2021-11-23
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (TX)

I had an account with Target credit card and the account was closed and charged off. I noticed the company is reporting the account information inaccurately on my credit report, so I reached out to the credit bureaus to let them know that the account is not reporting correctly and they continue to validate the account even though the information is inaccurate. I reached out to Target credit for the XXXX time on XX/XX/2021 and they failed to correct the account afteXXXX XXXX months of disputing this inaccurate account with them. They keep ignoring my request for an investigation. They refuse to delete the inaccurate information from my credit report. They continue to send me the same auto generated letters month after month in response to my disputes. They are reporting the account inconsistently. Each credit bureau reports this account differently. I found the FCRA 's XXXX 's XXXX that states that furnishers have specific obligations including reporting 100 % accurate information, not 90 % or 95 %. Target credit violated the FCRA by ignoring my request for an investigation and reporting inaccurate information to the credit bureaus.
Consumer complaint received 2021-11-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (NV)

Problem with Credit Card Charge. Vendor use was XXXX XXXX XXXX, who then dispatch XXXX XXXX XXXX  ( XXXX ), who in term charge my credit card {$85.00}. I dispute the Charge because the initiate was to XXXX XXXX XXXX, that who I pay a monthly fee to protect my home. Shortly afterward, it was XXXX XXXX XXXX XXXX has a class-action lawsuit pending for fraudulent repairs- no repairs are NEVER DONE- Instead the repair is denied, and the Vendor charge credit card. ALL part the class action Attorney General lawsuit. See Attach. My Bluebird card end was close as I INCORRECTLY ACCUSED OF FILING A FRAUD DISPUTE. When actually Firms that facilitate fraudespecially against the elderlyneed to pay a price. XXXX firm may operate in the background, but theyre very much in FTC sights. I m filing a complaint as it is reason to believe that the named ; XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Phone : ( XXXX ) XXXX XXXX are violating the law and it should be noted to the Commission that these proceeding ARE NOT in the public interest, as they process KNOWN fraudulent charges given Attorney General fraudulent lawsuit, as part of a larger fraud scam.
Consumer complaint received 2021-11-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (PA)

I opened a XXXX Checking account in XX/XX/2021 with {$50000.00} deposit through a link I was sent from Citibank in an email. A bonus of {$700.00} was supposed to post 90 days after bank held money for 60 days. XX/XX/2021 bonus was supposed to be deposited. I called Citibank in XXXX to see if everything was on track. I was told yes. Today I called to see why the bonus had not posted. They claim I did not sign up through the promotion and so I will not get a bonus. I complained and they gave me an Investigation ID # XXXX but no money.
Consumer complaint received 2022-01-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see XXXX XXXX XXXX, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am filing this complaint as my right under FCRA law and fair credit and billings act have been violated for this account XXXX XXXX XXXX {$8300.00} Account number XXXX. I am requesting all XXXX credit bureaus to provide full validation and what give them the right to collect on this account? I have made numerous attempts to resolve this issue by certified mail. There are numerous discrepancies on all XXXX bureaus as I see # of months for all XXXX  bureaus report to be different. Please provide better explanation and proof so I can timely take care of. Additionally, I see this account as having a charge off so the balance is not accurate. As per FRCA law, all information must be accurate, no errors and verifiable. This is lacking in all three areas.
Consumer complaint received 2021-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (TX)

On XX/XX/21 I attempted to use my open-end Citi Credit Card pursuant to 15 U.S. Code 1637 and my purchase was declined. I logged in to my online account to find that Citi Card had taken an adverse action ( 15 USC 1681a ( k ) ( 1 ) ) against me due to information they received from XXXX ( a consumer reporting agency ) without my written consent by lowering my limit causing my purchase to be declined. In the process of this happening I've also realized that there is a billing error according to 12 CFR 1026.13 in regards to the amount I allegedly owe pursuant to 15 U.S. Code 1692e. False or misleading representations. I feel like this is something that needs to be investigated, because if it has happened to me, it has most likely happened to many other consumers. I was using my open-end Citi Card as a consumer for personal, family, or household purposes and should not be penalized for doing so. I don't believe XXXX has provided Citi Card with fair and accurate information which is what the banking system is dependent upon according to 15 U.S. Code 1681 and this has caused me XXXX brought on XXXX XXXX  and has XXXX  my character.
Consumer complaint received 2021-11-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My company has an employee stock purchase plan administered in XXXX through XXXX brokerage. I sold some stocks on XXXX XX/XX/2021 XXXX ) On XX/XX/2021 brokerage sent the money, EUR XXXX to my Bank of America account XXXX ) This method has been working for the last XXXX years so nothing changed in the wire transfer process XXXX ) I did not get the money after XXXX days, XXXX sent me proof of funds transfer document that has entire SWIFT message detailing money indeed was sent to Bank of America, via their bank, XXXX Bank of America has refused to help track this down. I have called them on XXXX occasions and offered to share the trace that was sent. The person at the other end of the phone says we have not received it, and there is nothing we can do about it. I have the XXXX that XXXX sent XXXX me as proof but they refuse to evaluate that or take a look or figure it out NO MATTER WHAT. XXXX is clear that money did make it to Bank of America but Bank of America refuses to accept that proof. 

It takes XXXX minutes to an hour on hold to get to someone in Bank of America XXXX wire transfer department. To me it seems, the person on the phone does not understand how to trace wire transfers as they are stuck trying to figure out using amounts. They do want to take a look at the docs XXXX sent and troubleshoot where it is stuck in their system. 

The complex ways in which money moves in international wire transfers needs someone who can troubleshoot it and figure it out. XXXX XXXX docs shows it was sent to Bank of America XXXX in XXXX and there is a XXXX  code for Bank of America in XXXX XXXX as well. It is stuck on Bank of America in XXXX but Bank of America refuses to open a ticket and pursue this end-to-end with their international financial institution. If needed both XXXX and Bank of America need to WORK TOGETHER to resolve it.