davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-17
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

USAA is a great company to do business with but due to their affiliation with the military would engage in tactics that I felt were unbefitting of a corporation operating on US domestic soil. In one case where my water pump on my XXXX XXXX  went out I had to contact USAA who provided emergency roadside assistance for the car I financed thru them. What occurred was a subtle game of cat and mouse where USAA dispatched out a tow truck operator who was under the influence of XXXX  to my car. He was so high he started to tweek my car thinking he could repair it and actually caused damage to a hose on my car. I was so naive to this that I allowed him to tow my car only to then get held XXXX by him and taken to his next job. What I didn't know was his boss was a young man who was the first generation born here in the United States while his parents were from XXXX. The young man was learning how to manage an employee that had a drug problem like me but unlike me didn't have a sense of danger or fear about hurting others and was happy to go all out and try and take a risk. I had to call another tow truck out and swap trucks in order to get the heck out of dodge. It is one of those examples of what it takes to serve and be a member with USAA. 

In regards to my XXXX that I surrendered to them they sent some XXXX out to my house at XXXX XXXX  to collect the car in the dead of the night. Not only did they not know how to tow the car ( they didn't bring a flatbed truck ) they more than likely caused damage to the car. Since the car was to be sold at auction this was a great way to get away with causing damages to a car that was actually in really good condition., Selling this at auction meant they could off-load the car fast and then place me on the line for the remainder part of the debt which was never posted to my XXXX. 

I had no opportunity to dispute this debt, the amount owed, or find out my rights for the debt. I had just contracted XXXX and was dealing with a XXXX XXXX condition as well as trying to manage a XXXX XXXX XXXX to no avail. This caused me to leave my job and the stability that came with it causing me not to be able to find gainful employment after leaving XXXX as the only work I could find was that of part time work. It appeared that all my web traffic and search hits for jobs was that of part time work in order to keep me in the lifestyle that they felt I deserved to be in as I had applied to SSI as a result of leaving my job, needing to get medical insurance in order to cover my meds, and trying to figure out how to deal with public versus private insurance. My ignorance in navigating the system was compounded by the lack of social workers in the XXXX community as they did not have people available to assist with this transition and I had to privately fund this with my XXXX and as a result lost my entire life savings.
Consumer complaint received 2023-01-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CO)

i have been harassed by comenity bank i let them know i did try making a payment and it didn't go through fast enough and that they would indeed have to wait until i have the funds to pay them. i said when i have the money you will get paid, and they have called me at least 50 times a day trying to collect a payment : ) i owe only XXXX dollars left on the closed account and at this time its harassment. please email me for pictures of my phone log : )
Consumer complaint received 2019-04-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service (KS)

XXXX XXXX XXXX has been attempting to collect a debt from me for 2 credit card accounts I acquired while in the XXXX. In XXXX I was XXXX due to injuries I sustained during my time there. At that time these accounts were closed with balances of {$1100.00} for account # XXXX XXXX XXXX XXXX and {$930.00} for account # XXXX XXXX XXXX XXXX. In XXXX my entire tax refund was offset to pay the balances of the 2 credit cards accounts, as well as part of a student loan. Shortly after that a representative from XXXX XXXX XXXX contacted me regarding a debt they said I owed which at that time they said was {$2100.00}. I requested documentation proving the amount owed because my tax returns had been fully garnished paying a total of {$3200.00} towards the XXXX XXXX. One on XX/XX/XXXX for {$1800.00} and the other on XX/XX/XXXX for {$1400.00}. I then received documentation from them for a XXXX XXXX whom I had absolutely no knowledge of. After discussing this at length with them they said they were submitting it to the fraud department, however, I then started receiving invoices for 2 credit card accounts with different account numbers and balances stating I owed over {$4000.00}. I contacted them again and tried to explain that the debt was not mine, they advised me that it was being investigated by fraud and that it was going to take time. After researching and acquiring more information I showed them proof that the 2 amounts I owed at the time my taxes were offset was the amount they are showing I owe subtracting the interest they have been charging me for the past 2 years. 

I have provided them with proof that this debt has be paid, however, while in dispute it's been crushing my credit and they still have a lien against my tax refund so I have not been able to file my taxes for 2 years. Every time I called them they would say it's being investigated and it will take time. Now that I sent the letter and proof the debt has been paid in full they say they are waiting for a response from Army & Air Force Exchange Service and it will take time, but I need to get this taken care of so I can move on.
Consumer complaint received 2019-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (ME)

On XX/XX/XXXX I sent Discover Financial Services of XXXX. XXXX XXXX XXXX XXXX, IL XXXX {$2500.00} for a secured credit card with the understanding that after a year I would be eligible for an unsecured card. It had now been 2 years and my card is still not unsecured. It is the only credit card I have that is secured. In my time with them I have never gone over the limit or had a late payment. In fact in most cases I paid off the card every 2 weeks or made a payment at the least. To give some weight to the seriousness of the situation it should be said that year to date XXXX I have charged and paid over {$51000.00} with another major credit card company using an unsecured credit card. So money or ability to pay isn't the issue. It is my feeling that XXXX is using unfair advertising practices to lure customers with the promise of credit building when in fact very few get unsecured cards. The consumers monies are used as an investment tool and no interest is paid to the consumer. The consumer is being taken advantage of. Some would suggest that I simply close the account. The issue with closing credit card accounts is that it is deemed as a credit risk and will be reflected on my credit report as such. I have hedged my bets and will likely leave the monies in place because i expect a class action law suit will by filed for these practices in the future and being part of that would likely net me a nice return. The issue is that most people that need a secured card will not have that option.
Consumer complaint received 2019-04-16
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. (CO)

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX XXXX/XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 14 and 15 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an XXXX. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

The Following Inquiries do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX I sold an item to XXXX XXXX, and she paid for the item by transferring the money to me in XXXX. 

Just a few days later, Wells Fargo would lock me out of my account, leaving me without access to the funds in the account, the transaction information, balance information, etc. It would not be until XXXX, that I finally received a letter from Wells Fargo, stating that my account was in the clear and that I could resume business as usual. 

The account had been locked and placed under investigation due to an amount charged back by a XXXX payment that was sent to me. 

I logged into my account, and much to my dismay and surprise, XXXX dollars had been removed from the account, without even so much as a note or memo as to what the funds were removed for. 

It was not until later that I called Wells Fargo, and was transferred around numerous times, that I finally was informed that the money was removed from my account because a zelle transaction sent to me in the amount of XXXX dollars was flagged as fraudulent by Wells Fargo, and the funds were subsequently taken out of my checking account and given to the individual named at the opening. 

In searching for a way to appeal this, as I had informed Wells Fargo that I had proof of purchase, I was once again transferred numerous times until I reached tier-whatever support. 

The individual I spoke with, which by the way, was a very rude encounter, as he would not let me finish a sentence before butting in constantly and trying to talk over me, informed me that Wells Fargo would not be doing anything about it, there was no appeals process available to elect, and that if I wanted the money back, to contact XXXX and take her to court. 

This is just preposterous. How can the bank just reach into my account, take my money, and then sit around with their hands in their pockets, when I find out what has transpired and object? When this investigation was underway, no one bothered to reach out to me to let me know what was going on, no one asked me to forward any evidence or proof that I had readily available in order to help my case and protect myself from the dishonesty that the buyer was perpetuating. Where was Wells Fargo when it should have been my turn to tell my side of the story? 

And now, the damage is done, Im out of the money, and still, Wells Fargo wants to do nothing to help me, to listen to me, to see the proof that I have. They say they are not allowed, and I am calling them on the XXXX. I should not have to rely on the court system to recover my money. I should be able to keep money in my bank account and rest assured that the bank is there to protect me, not be an entity from which I need to protect myself. Please help me, this is not fair, and its something that would honestly be devastating should I not be able to come to a swift and fair resolution. 

Best, XXXX
Consumer complaint received 2023-06-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (MI)

CREDIT MANAGEMENT , LP XXXX XXXX XXXX XXXX TX XXXX To : The Office of Registered Agent for CREDIT MANAGEMENT , LP From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX are authorized to administrate ( acting trustee ) on my name, XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The Better Business Bureau. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages.

Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX XXXX
Consumer complaint received 2019-04-16
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. (LA)

I opened a dispute with Experian. They closed it the next day saying it was accurate providing no documentation. Sent letter with info below.. Account was not mine. 

Dear Sir or Madam : I am writing to dispute a billing error in the amount of {$2900.00} in collection with XXXX XXXX XXXX , XXXX on the above account. The amount is inaccurate because I have no knowledge of this account nor any association with XXXX university. I am requesting that the error be corrected and removed from my credit report. Please send me any paper work or any information about this account and how it was opened to the address above. 

I am about to enter a transaction that requires my credit to be correct for a large mortgage. If this incorrect information affects my transaction, I will be pursuing legal action for compensation as even a small % point could be tens of thousands of dollars across the life of a the loan. 

I am also reporting this to the FTC under the FCBA as it appears there was no attempt to verify any information when I disputed this info. The item was closed a day after I opened it with nor documentation provided. Please investigate this matter and correct the billing error as soon as possible.
Consumer complaint received 2019-04-16
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

On or around XX/XX/2018, my mother received a phone call asking for me and telling her I need to call them because there is a warrant for my arrest. Later that day, my Father who lives in a completely different state called and said he received a similar call stating if he did not give them my contact information, he would be sued along with me. I finally decided to give them a call because I do not get into trouble criminally so I was intrigued. When I called, I was immediately threatened with a lawsuit if I did not pay the amount owed on years old debt. I clarified with them that this was a debt situation and not a criminal suit and they said yes. I asked them why they were contacting my family in regards to a debt as if I am facing jail time. They continued to ask about my financial situation. I informed them that I had been unemployed for over a year and am now XXXX  and on XXXX XXXX and did not currently have an income. The representative then stated well if you can't pay all of it we will push your lawsuit through. I explained to them that there is no possible way for me to pay them in the condition I am in now but since I am now aware of the situation, I will rectify as soon as I am able to work again. I also asked them not to contact the number I called them from because it was a family members phone I was borrowing or my parents. They assured me that they would not call that number but, this morning ( XX/XX/2018 ) that family member received a call in regards to my " case '' and got scared. Once I spoke with them they again told me to contact their " legal locating office '' or they will come to my last known address/work. At this point I am feeling harassed and backed into a corner on a situation I can not amend right now.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I recently reviewed my credit report and noticed you have incorrect personal information in my file. Please use the documents Ive provided to update my correct full name and address. Also, please remove any names that dont match my ID. Please remove any addresses that dont match my current and valid address. 

Please correct the inaccurate employer information. My current job is XXXX not XXXX and XXXX is no longer valid please remove. 

I have included the following information : My drivers license XXXX XXXX
Consumer complaint received 2019-04-16
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: SYNCHRONY FINANCIAL (WI)

I had a dispute and closed an account with a merchant of questionable integrity. It was a healthshare account. I had not given the healthshare company my new card info ( same account, just new security code ). The company was unable to charge me for 2 1/2 months. They had requested my info, but I did not give it to them. Therefore, I thought there would be no continued billing. 2 1/2 months later, my CC co. ( XXXX XXXX XXXX/synchrony bank ) started billing again. I had not authorized these charges, and my healthshare account was suspended during that time. Therefore it wasn't a valid account. 
I disputed the charges and they were reversed. But the healthshare company was able to bill me again. 
The CC company did not stop the recurring charges as requested. They said they were unable to stop the recurring charges. I asked if I could get a new card/account number, they said yes, but the recurring charges could follow me to the new number. 
They said there was no way for them to stop the recurring charges.
Consumer complaint received 2019-04-16
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: EQUIFAX, INC. (CO)

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX   account. Please see the attached spreadsheet of reporting bureau and account number. Also, please reference pages 4 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called Transunion to dispute inquiries that where not authorized by me Ive sent letters on XX/XX/XXXX and XX/XX/XXXX and that just this year. Ive sent all the paperwork theyve ask for and yet to remove these inquiries.

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX
Consumer complaint received 2019-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (WA)

United XXXXXXXX XXXX and its escrow sub-servicer, XXXX XXXXXXXX, did not pay or disburse my homeowners/hazard insurance by the due date. 

****United XXXXXXXX XXXX and XXXX XXXX XXXX dba XXXX XXXX clearly violated Regulation X, 12 CFR 1024.17 ( k ). 

****My mortgage refinance closed with United XXXX XXXX   XXXX XX/XX/2019. At the time of closing, an escrow account was established to pay property tax and homeowners/hazard insurance. My homeowners insurance policy was due XX/XX/2019 and no payment was made by my mortgage servicer. It is important to note that I have not been 30 days late on a mortgage payment and the escrow account has sufficient funds to pay the insurance amount. 

****It is reasonable to think that United XXXX XXXX and/or XXXX XXXX deliberately failed to pay my homeowners insurance policy in order to issue FORCE PLACED INSURANCE. This unfair, deceptive, abusive act and practice should not be allowed. 

XXXX*If United XXXX XXXXXXXX and/or XXXX XXXX did not purposely fail to pay my hazard insurance, this it was INCOMPETENCE on United XXXX XXXX for failing to adequately supply its sub-mortgage servicer with all the information to pay my hazard insurance. If United XXXX XXXX  did supply XXXXXXXX XXXX  with my hazard insurance information, then the INCOMPETENCE falls on XXXXXXXX XXXX.