davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the XXXX you caused me. My information was also affected by the XXXX AND THE XXXX data breach and may have gotten into the wrong hands.
Consumer complaint received 2019-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

I disputed charges with USAA. USAA refused to honor my credit card agreement and protect its consumer 's rights. 

Cardholder - XXXX XXXX, XXXX. 

Credit card number included below. 

THIS IS NOT A DUPLICATE COMPLAINT. USAA REFUSED TO ADDRESS THE MERITS OF MY FIRST COMPLAINT BY FALSELY CLAIMING THAT IT COULD NOT LOCATE MY ACCOUNT.
Consumer complaint received 2018-10-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (TX)

In XXXX I wrote a letter to Phoenix Financial Services, a third party company, asking them to validate the debt in which they were attempting to collect. They sent back a letter with charges in the amount of {$390.00} from XX/XX/2016. They failed to validate or prove how this debt is connected to me. I learned of this when it was reported to the credit bureaus. I received no letters nor phone calls trying to collect prior to this. I do not own this debt and I need them delete this from all 3 credit bureaus.
Consumer complaint received 2022-06-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc (PA)

I tried to use XXXX  to receive a payment on XXXX for some snow tires I put on XXXX XXXX  They wanted a business account for the XXXX. And had to pay XXXX dollars and in order to get that money back, I'd have to refund them. 

They said they sent the XXXX twice and in order to get the money back I'd have to send another XXXX With chime banking pay anyone feature I sent them XXXX in total and never got the money back, I asked chime to help get my money back and they didn't do anything
Consumer complaint received 2020-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

I noticed a total of 4 charges on my card from the same location around last week of XXXX. I did purchase food from this location on XX/XX/20 but not for the other 3 shown below. 

XX/XX/20 : {$3.00} XX/XX/20 : {$14.00} XX/XX/20 : {$14.00} So I called Citi back for the first time back in last week of XXXX and explained the situation to the customer service agent. 
The charge for {$14.00} on XX/XX/20 was showing that it was still pending at the moment. She told me that she'll cancel my card and send me a new one. She also mentioned that it's going to be under investigation and it will be resolved. 

I waited for about 3-4 days and I logged on my account again to see if there was any updates on my dispute. I noticed that there was nothing under " open disputes '' on my account and I noticed another charge from the same location at XX/XX/20 for {$12.00}. So I called again and spoke to about 5-6 different departments and it was very frustrating because I had to explain the whole situation multiple times. I was told that the XX/XX/20 charge for {$12.00} won't go through because I already canceled the card and that everything should be resolved. 

I logged on my account again yesterday and saw another charge that was made from the same location on XX/XX/20 for {$3.00}. 
Now I have total of 5 posted charges from this vendor that I didn't approve or make.
Consumer complaint received 2018-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (PA)

XXXX has been non-compliant with removing the unverified account DISCOVER XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that DISCOVER XXXX XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (MT)

There is a company called XXXX XXXX listed on my XXXX  credit report as a collection account but I have never received any documentation and I have tried calling the number and i can not understand the people answering the phone, tried to explain that the debt is not mine and they got nasty, so i hung up. It does not list the original creditor
Consumer complaint received 2018-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

Beginning in XX/XX/XXXX, FEMA deemed our property was in the 1 % flood zone. The address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Texas XXXX. Our condo is the ONLY one listed due to the bottom floor closest to the water with a 6+ foot retaining wall. 
( XXXX XXXX XXXX ) which is a 'constant level lake ' since XX/XX/XXXX. In XX/XX/XXXX, our mortgage company, WELLS FARGO, sent a notice for us to fax our condo insurance ( outside ) and our personal contents inside to their company headquarters which we did. The building our condo is in has 5 units and is insured for {$1.00} XXXX. Our contents are insured for approx $ 80K. In XXXX, we were notified that WELLS FARGO was requiring us to insure with XXXX XXXX XXXX a policy for $ XXXX ( which is exactly what we owe on their note in the last 3yrs of our mortgage ) We phoned Wells Fargo and mentioned that this was NOT FLOOD INSURANCE, but MORTGAGE INSURANCE. They told us that if we paid the $ XXXX.policy in full that our {$1000.00} payment would not change for XX/XX/XXXX, which we DID! After paying in full for the policy for XX/XX/XXXX, our payment increased and and ESCROW was set up for XX/XX/XXXX. We have called and protested their actions at least 12 times, only to have been ignored. Our last 2 payments have not only increased substantially ( which we have paid ), but during our last call to Wells Fargo this month, they indicated that on XX/XX/XXXXour complaint would be reviewed. We are submitting this complaint to have your agency to STOP this situation after 6 months of turmoil!
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MD)

I have three federal loans with XXXX. I was under the impression that my student loans were in forbearance, however my repayment status changed without my knowing and they reported 90 days late to the credit bureaus. I called immediately and had them placed in forbearance but they would not remove the lateness from my account. It dropped my credit scores significantly and I have worked extremely hard to establish good credit.
Consumer complaint received 2018-04-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (OH)

I checked my Best Buy statement in detail and found out they have been charging me for over a decade for something called " Debt Protection '' which equates to almost half of my minimum monthly payment. This " Debt Protection '' is something I never consciously agreed to sign up for. A quick search on the internet shows that Best Buy has been doing this to people for quite a long time and there have been many filed complaints about this shady practice. I don't understand how or why it is legal for them to do this to consumers and get away with it. This is probably thousands of my dollars over a decade that has been going to this " Debt Protection '' service and not going to pay off my balance which I think would have been paid off by now. Instead as of my last statement, only around {$2.00} of my monthly payment is going towards paying off my {$2700.00} balance instead of the {$27.00} it should be, which is just awful. Not only that but there is no way I can pay off my promotional balances in time if they are charging me this fee and I'm only paying the minimum monthly payments. So over the last decade, how many promotional periods have expired and I've been charged even more interest strictly because of this " service '' they keep charging me for?
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NY)

Take notice, this letter details a bevy of inaccuracies on my credit report. Be aware that courts have proved that inaccurate payment history scales heavily on a consumers credit worthiness. The following inaccuracies are being furnished in regards to Comenity/Capital/XXXX Account XXXX XXXX , Date opened XX/XX/XXXX currently appearing on my XXXX, XXXX, and XXXX credit report. 

Missing balance data on : XXXX : XXXX, XXXX, XX/XX/XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX : XXXX, XXXX Inaccurate late payments on : XXXX : XX/XX/XXXX : XXXX No past due data on : XXXX : XX/XX/XXXX : XXXX Attached are supplemental documents including data from other credit bureaus detailing similar inaccuracies, leading me to believe this company is not taking the proper steps to ensure maximum accuracy of my credit report. If a natural person and/or an organization responds to this letter without remedying the consumer in accordance with the Fair Credit Reporting Act 15 USC 1681 ; you may be sued and face penalties. The remedy I am seeking is deletion of the inaccurate data. 

A financial institution such as Comenity/Capital/XXXX must provide a notice of negative information in writing to the consumer no later than 30 days after furnishing the negative information. The negative information notice can not be in a previous billing statement. I have not received such and I have reason to believe Comenity/CapitalXXXX is in violation of 1681s-2 ( 7 ) ( A ) ( i ) by not meeting this requirement.

Pursuant to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) financial institutions like Comenity/Capital/XXXX are prohibited from furnishing any information relating to a consumer if they have reasonable cause to believe that the information is incorrect. 

Notice, it is a fact, upon receipt of this claim Comenity/Capital/XXXX has reasonable cause to believe that the information is correct.

Notice, it is a fact, affiant is aware, pursuant to 15 U.S. Code 1681g, I, the consumer have the right to request a full file disclosure about the information within my consumer file which includes the sources of the information used to verify the information before it was procured onto the consumer report. This includes the dates, original payees, and amounts of any checks, identification of each person that procured my consumer report, including their address and telephone number of the persons, a record of all inquiries received by the agency during the 1 year period preceding my request in connection with the credit or insurance transactions not initiated by me, the consumer. I am currently requesting a full file disclosure. If any material is concealed from me that would otherwise be revealed in a court proceeding during the process of discovery it will be duly noted.
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: MIDFIRST BANK (FL)

I already contact the collection company and been paying that account. They told me if I still paying that they will made a good report to the credit bureau because I want to buy a house. 
The other is that I already pay my house that I sold out about 1 year ago. Have 2 mortgage I don't know why. The house is sold out in good standing and I see that still appears that I owed that I already paid it why is not in my credit report and my credit report still in XXXX or 500 something. This is insane, you people are the worst credit bureau that I ever know. I'm going to report this, I know people that want to start again and can't for you. My wife and I want to buy a new one and we can't for this
Consumer complaint received 2018-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On XX/XX/XXXX my XXXX yo son made a purchase at the local grocery store and withdrew money from the self serve check out. He missed place his card in between the store and home, only to discover that on Monday XX/XX/XXXX that a check for {$8700.00} was deposited by ATM with XXXX XXXX  into his checking account and several withdrawals of his own personal money from a second checking account was transferred in the initial checking account where the bogus check was deposited. We live in the state of GA and there's NOT a USAA branch in our state to make check deposits except by mobile banking. 
Because my son account in the past was a joint account underneath mine, he is now XXXX but his account as well as both my checking and saving account has been frozen. I have filed a police report with the local authorities and is waiting for the police report. But I have uploaded a copy of my case number from the police to my USAA profile. 
I have reached out to USAA on several attempts to get updates in the investigation only to be told that IF I pay the outstanding fee of {$260.00} for the overdraft on my son 's account of the return check ( bonus check ) that was deposited AND the charges from the transactions that my son made prior to the check being deposited, would then OUR accounts be accessible. 
Now, prior to the check being deposited into my son 's account, my son had funds well over {$800.00} in his accounts MONTHS ago, as well the recent deposit of his payroll check of {$230.00}. So had that bogus check NEVER been deposited into his account, ALL of his transactions would have been cleared. 
So I refuse THEN as I do NOW, to be STRONG ARMED into paying for a debt that HE/I owe to release our funds. WHEN DID WE BECAME A THIRD WORLD COUNTRY TO START USING THESE PRACTICES???? 
WE BOTH have financial obligations that requires the use of OUR FUNDS NOW!!!! So please help.
Consumer complaint received 2020-05-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Problem company : SPECIALIZED LOAN SERVICING. Problem : I am paying my monthly loan payment in advance before the date it is due and instead of crediting my loan payment to my loan as a monthly loan payment the company is crediting my payment as a " principal only '' payment and then when the monthly loan payment due date arrives the companyis stating that they never received my monthly loan payment. Then, the company is marking me as not paid and is then charging me a " late fee. '' I tried calling the company to get this corrected. They never corrected the problem. 
I tried writing the company to get this corrected. They never corrected the problem. 
Instead, they said they corrected the problem - which they did not - and they said they were sending me a " confirming letter '' confirming that the problem was corrected. Instead, they sent me another borrower 's information - and they never corrected the problems with my accounts.
Consumer complaint received 2018-11-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: SUNTRUST BANKS, INC. (IL)

I received a mailer from SunTrust Bank thanking me for opening a checking account along with checks and deposit slip with routing number and account number. I never authorized this. Then I called them and spoke with an agent who asked for the checking account number, which I gave her from the checks that were mailed to me, she then hung up the phone. This reminds me of what XXXX XXXX did so I wanted to file the complaint. I have attached a copy of the letter and checks and deposit slip mailed to me.
Consumer complaint received 2020-12-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

I have reached out to Midland since XXXX XXXX, 2020 in regards to an account on my credit report. When I call they inform me my account has been placed with XXXX  and their webpage says this as well. I called XXXX and emailed and was told they do not have the account that it was sent back to Midland and directed to contact Midland. Midland still shows it is with XXXX  and gives me their number to call. I can not verify this debt and if I was to verify and confirm ownership I am not able to pay it as no one has the account and keeps referring me back and forth. This is causing a hardship on my family and my credit and neither company will give me the opportunity to resolve and gain information requested. 
I emailed and Called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I do not know where else to turn and will start emailing the support line at XXXX daily until I can receive a response.
Consumer complaint received 2022-05-03
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

Few months ago, I got hacked on Coinbase. I immediately saw that someone got into my account, changed my password. I tried getting in but they had already taken XXXX. I notified Coinbase and they offered to fix my problem and stop any transaction that was taken from me, they did tell me to go to the bank to get my account overlooked again. There was no issue with the bank and Coinbase informed that my account would be locked permanently due to the scam. 

*fast forward to XXXX XXXX I recently wanted to look at my Coinbase account and went through many verification in order to see it but when I opened my account it said I owed them {$16000.00}. I have been trying to get in touch many time with Coinbase but no one has been able to help.
Consumer complaint received 2024-02-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

The credit bureau is not complying with the law by failing to delete the late date of a disputed item involving XXXX XXXX, despite my repeated attempts to resolve the issue. This non-compliance with the FCRA necessitates the complete removal of the late dates from my credit file.
Consumer complaint received 2018-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

Borrower : my ex husband Full Power of Attorney : me. 

Court order granting FULL Power Of attorney to me, was transmitted to SPS by Previous Lender with Loan Transfer on XX/XX/2018. ) - as confirmed by previous lender on XX/XX/18 ) SPS CLAIMED DURING MULTIPLE PHONE CALLS, including today, XX/XX/18, that they did not have the Power Of Attorney on File. 
( Per statement of SPS Rep & Supervisor, of the XXXX FL location ) The Attachments evidence that SPS is : - 1. Blocking me from the account - Violating a Court Order by SPS 2. Denying the POA being in the file - False Claim by SPS 3. Failed to pay Town Taxes - Violation of Loan Terms by SPS 4. Caused Delinquency Interest to Accrue - Violation of Loan Terms by SPS 5. Added the Town Property tax to the account - Violation of Loan Terms by SPS AND Fraudulent action intentional to increasing monthly payment. 
Property Taxes have been escrowed since XX/XX/2018 with XXXX XXXX & the loan amount AND loan terms remained unchanged, under the terms of the transfer - Violation of Loan Terms by SPS 6. The SPS Mortgage monthly statement clearly shows that the monthly amount includes an Escrow for Town Taxes & Home Insurance.

Therefore the actions of SPS are ***intentional to fraudulently increasing the payor 's monthly amount in order to render the payment unaffordable and thereby fraudulently foreclose on this High Value Property *** - FRAUD BY SPS 7. I have been making regular & on time monthly payments on this loan.

The loan amount includes the escrowed Town Taxes that SPS did not pay & caused a delinquency - Violation of Loan Terms by SPS SPS bought this loan from Previous Lender, due to the high equity in the subject property & the Delinquent Tax Notification is intentional to SPS fraudulently foreclosing on the property and intentionally making the payor homeless, as SPS is aware from the Court Order that the Court granted the Payor FULL authorization on this account.

FRAUD + VIOLATION OF COURT ORDER +VIOLATION OF CO-OWNER CIVIL RIGHTS+ VIOLATION OF LOAN TERMS 8. The attachments & the OVER 241 XXXX Complaints against SPS, support my allegation that SPS is a SCAM company, their actions constitute Harassment and Intent to foreclose on my home.
Consumer complaint received 2019-10-18
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NY)

I have been paying my bills on time. Last month my payment was rejected despite having money in my checking account. Then, Synchrony Bank lowered my credit limit leaving me almost maxed out ; XXXX XXXX dollars of available credit. As of XX/XX/2019, my credit limit was {$4300.00} and my balance was XXXX and {$860.00} of available cash. Suddenly as I mentioned before, they reduced my limit to {$3100.00} hurting my credit score. My name is XXXX XXXX XXXX and unfortunately I have a credit card account ( Score rewards ) with Synchrony bank which need to pay off so that I can close it and sleep better at night.