davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Credit Karma (NE)

Credit Karma said that if I sent my tax refund to them and their mobile wallet/money feature they would provide me with an advance of the refund. I did so. Then Credit Karma locked me out of the money feature refusing to allow me to update my new phone number to the app and then " verify '' who I am. I have submitted 5 Support Claims and provided photo identification and they have continued to ignore me for the last two weeks while refusing to give me access to my money they are illegally withholding. I see no resolution with them in the near future and feel like they frauded me out of my money which is almost {$2000.00}!
Consumer complaint received 2018-11-28
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. (SC)

I borrowed a *single* loan with XXXX XXXX XXXX for {$4900.00} that originated on XX/XX/XXXX after interest charges were added the payoff amount would then become {$7.00}, XXXX for a *single total payoff, in which I agreed to pay. I paid the loan off in full in XX/XX/XXXX. Upon paying it off XXXX XXXX XXXX gave me a receipt stamped *paid as agreed*. Shortly there after I needed to have my credit pulled to rent a home and what I found on my credit report was XXXX XXXX XXXX the loan originator took what should have appeared on my credit report as a *Single* account and they reported it as *2* accounts with *2* different account numbers showing one with the amount I borrowed {$4900.00} as *paid/zero* balance and the borrowed amount along with its finance charges which made the loan a total of {$7.00}, XXXX yet this was reported as a second account with the payment status reported as *paid, was a XXXX*. I went to the local branch office I took the loan out in and asked why had they reported my single loan as two loans as well as why the payment status was reported it differently. I explained how it was effecting my credit score and the XXXX XXXX XXXX representative just said " We only have XXXX closed account in our system for you and they didn't know why it was reported that way. '' My first thought was that someone in there office took an additional loan out in my name but after I had located the payoff paperwork I realized what they had done. I went back to there office but again they wouldn't help me. I tried disbuting it with the credit bureau but found no resolve there either. So I contacted XXXX XXXX XXXX head quaters to express my grievances and frustration with the falsely reporting that was done and I was met via phone with a rude and disrespectful agent. Who basically told me so what I can't do anything about it. Then she told me to send here proof of the inaccurate reporting on my credit profile and they would correct it if they made that mistake but she was sure they hadn't. So I sent a copy to them and well needless to say its almost 2019 and it still affects my credit raiting.
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

I borrowed a *single* loan with XXXX XXXX XXXX for {$4900.00} that originated on XX/XX/XXXX after interest charges were added the payoff amount would then become {$7.00}, XXXX for a *single total payoff, in which I agreed to pay. I paid the loan off in full in XX/XX/XXXX. Upon paying it off XXXX XXXX XXXX gave me a receipt stamped *paid as agreed*. Shortly there after I needed to have my credit pulled to rent a home and what I found on my credit report was XXXX XXXX XXXX the loan originator took what should have appeared on my credit report as a *Single* account and they reported it as *2* accounts with *2* different account numbers showing one with the amount I borrowed {$4900.00} as *paid/XXXX* balance and the borrowed amount along with its finance charges which made the loan a total of {$7.00}, XXXX yet this was reported as a second account with the payment status reported as *paid, was a chargeoff*. I went to the local branch office I took the loan out in and asked why had they reported my single loan as two loans as well as why the payment status was reported it differently. I explained how it was effecting my credit score and the XXXX XXXX XXXX representative just said " We only have one closed account in our system for you and they didn't know why it was reported that way. '' My first thought was that someone in there office took an additional loan out in my name but after I had located the payoff paperwork I realized what they had done. I went back to there office but again they wouldn't help me. I tried disbuting it with the credit bureau but found no resolve there either. So I contacted XXXX XXXX XXXX head quaters to express my grievances and frustration with the falsely reporting that was done and I was met via phone with a rude and disrespectful agent. Who basically told me so what I can't do anything about it. Then she told me to send here proof of the inaccurate reporting on my credit profile and they would correct it if they made that mistake but she was sure they hadn't. So I sent a copy to them and well needless to say its almost XX/XX/XXXX and it still affects my credit raiting.
Consumer complaint received 2020-12-14
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: Experian Information Solutions Inc. (AL)

I disputed two accounts twice with all credit bureaus, XXXX, XXXX and Experian. The errors are still not fixed and the accounts are still reporting on my credit reports. The account with XXXX XXXX XXXX was sold to XXXX XXXX. Both accounts are on my credit reports. I disputed the information reporting on both accounts. The credit bureaus allowed both companies to verify information that is clearly inaccurate as accurate. Again, these are the same accounts. However, the account number with XXXX XXXX XXXX and XXXX XXXX is different. The open date is different. The last payment date is different. The last active date is different. With XXXX XXXX, the open date is reporting as XX/XX/XXXX. However the last active date and last payment date is reporting as XX/XX/XXXX with XXXX. The last payment date and last active date can not be before the open date so this is obvious inaccurate information. Also, with XXXX, the payment status has been 120 days late for years. This is obviously inaccurate. I requested that the credit bureaus send the information used to verify this information. The credit bureaus did not send this information.
Consumer complaint received 2018-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (ME)

In XX/XX/2018 I lost my wallet which had my debit card inside, do to memory issues from a head injury I had my pin hidden in the wallet. I Advised USAA of this and the provided credits for the purchase made after card was lost. Then on XX/XX/XXXX they took back the credits. On XX/XX/XXXX I called USAA and I was told the case would be reopened and the money returned to my account. I have called over 6 times and was told that I would receive a call about this with in 1-2 days. Each time no one has ever called me. I am on SSI and every penny counts and now they have taken back over {$400.00} on things I did not buy. USAA refuses to do anything to correct this issue. USAA also claims that stores are required to ask for photo ID when a debit card is used if not then it is there fault.
Consumer complaint received 2018-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC. (FL)

I moved from Colorado to Florida in early XX/XX/XXXX and opened a checking and savings accounts with Suntrust in XXXX XXXX Fl. I deposited a cashier 's check issued by XXXX XXXX XXXX XXXX ( escrow refund ) in the amount of {$3100.00}. I went to Suntrust on XX/XX/XXXX and was told that my account was on hold because the cashier 's check was fraudulent as of today Suntrust is refusing to return my funds. I have talked to several people at the XXXX XXXX bank and had many phone calls with the XXXX TN office and all I'm told is the cashier 's check is fraudulent and I won't be getting mu funds back. This is just wrong. I have also had a number of conversations with XXXX XXXX XXXX ( XXXX ) XXXX, e-mail XXXX. I talked to XXXX XXXX on Friday XX/XX/XXXX and she said the both the fraud and mortgage departments have assured her that the cashie 's cash is good. This has been an up hill battle and Suntrust has done nothing to try and resolve this issue. I was told that there was a note in my file that they contacted XXXX XXXX XXXX and were told the cashier 's check was fraudulent. This is completely untrue. I just want my funds back and any assistance you give me would be appreciated.
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST ADVANTAGE CORPORATION (MI)

XXXX TO CURRENT. PLEASE STOP ALL 2ND & 3RD PARTY CREDIT REPORTING AGENCY, SUCH AS XXXX, AND FIRST ADVANTAGE... ETC FROM PROVIDING MY PERSONAL AND/OR PUBLIC INFORMATION TO ANY AND ALL COMPANIES, INDIVIDUAL OR CORPORATIONS SEEKING TO KNOW MY CREDIT WORTHINESS, EMPLOYMENT OR EVICTION STATUS.
Consumer complaint received 2020-11-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RSI Enterprises, Inc. (AZ)

There is a medical bill that was added to my credit report that I never received notice that money was due. I was not made aware of this until it hit my credit. I want this removed off my report. Once I was made aware of the collection I paid it right away had they sent me a bill or statement it would have been paid then. I want this off now RSI Enterprises-RSIMD XXXX
Consumer complaint received 2020-11-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A. (FL)

I open an account in early XXXX under promotional terms for {$300.00} and fulfilled them. 

I waited a month and called to see why I didn't receive the promotional bonus and was told I was never allowed to because I wasn't a 'new customer ' citing a previous account I had closed more than 5 months prior. I pointed out that I satisfied the 3 obligations in the fine print - not a current signer, no closed account within 90 days, and haven't been paid a bonus in last 12 months. 

Then I was told that because I missed that previous promotion I wouldn't be able to participate in the current one - valid from XXXX to XX/XX/31. 

Although I disagreed with the customer service representative and asked for another person to review my account, she said that is the final.
Consumer complaint received 2020-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (CA)

CITI BANK EMPLOYEE SUPPOSEDLY DEPOSITED OVER XXXX into my checking account through line of repayment refund by error and citi bank is now charging me for that deposit plus interest. I have stated and sent documents showing citi I have not received any money nor did I ask for any money. This is a clear mistake by the CITI employee and I have a letter stating that directly from citi. My credit card account was closed without notice and my XXXX $ deposit was used to cover a debt that isnt mine. I have sent documents and statements to citi proving I have none of that money supposedly deposited or fault in this. The card I had with citi is a XXXX $ limit card and because of the error caused by the employee the balance is well over the limit at XXXX. This puts my credit usage on my credit report well over 1000 %. Citi should take responsibility for this and clear this with the bureaus since it was caused by their employ.This error caused by the employee is hurting my credit score severely and citi is not taking any measures to correct this mistake by their employee.
Consumer complaint received 2018-11-28
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. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX, PA XXXX XX/XX/2018 RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization and I noticed an unauthorized inquiry had been made. 
I contacted XXXX XXXX recordXXXX XXXX XXXX XXXX   XXXX, CO XXXX ( XXXX ) XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX   recordXXXX  XXXX XXXX XXXX XXXXXXXX, CO XXXX ( XXXX ) XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, XXXX XXXX
Consumer complaint received 2022-06-12
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 remained very humble despite the stress, abuse and injury Equifax has caused me. I have not given Equifax any form of written instruction to accept, furnish or report any information on my behalf. Equifax deleted the fraudulent account from my consumer report and then reinserted the fraudulent account. If any information has been deleted from the consumer file pursuant to subparagraph A is reinserted in the file, the consumer reporting agency, Equifax shall notify the consumer of the reinsertion in writing no later than XXXX business days after the reinsertion, or if authorized by the consumer for that purpose. Equifax has violated me, the consumer.
Consumer complaint received 2022-10-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

I have had my mortgage with Caliber Home Loans since we bought our house in 2015. I was in the process of an FHA XXXX loan modification with a partial claim trial payment plan offer when XXXX XXXX hit. I had paid the first modified payment, and the second one is not due until XX/XX/XXXX. 
I called XXXX and told them what happened in the storm. They gave me the information I needed to contact the insurance company and apologized for our loss. 
Today, XXXX XXXX, I got a letter saying that they transferred the servicing of our mortgage to XXXX Mortgage XXXX, a notoriously terrible company. This happened not even two weeks after I told them our house was damaged. 
I don't want to do business with XXXX, flat out. Do I have any recourse at this time, considering we are in a disaster area and are already in a terrible position? Are they allowed to do this even though I followed their instructions on the FHA XXXX loan modification and made my payment?
Consumer complaint received 2018-11-28
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: TD BANK US HOLDING COMPANY (MI)

XXXX  has been non-compliant with removing the unverified account NORDSTROM/TD BANK Opened Date XX/XX/2017 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that NORDSTROM/TD BANK 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 2020-01-30
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: JPMORGAN CHASE & CO. (FL)

Good evening, When looking over my expenses to file my XXXX taxes. I noticed amounts on my account from XX/XX/XXXX, that were not returned to me nor did I charge to my card. 

There are a total of 5 transactions from XXXX on this day. Out of the 5 I only did 2 of the transactions. The two that are correct are {$100.00} and {$6.00}. The 3 transactions that I did not do and tried to dispute with XXXX and Chase are {$90.00}, {$48.00} and another for {$48.00}. 

I called XXXX on XX/XX/XXXX to dispute the charges and submitted all information and evidence to support the disputes via email. After a week I followed up with them and they told me there is no other transactions that they see other than the 2 transactions of {$100.00} and {$6.00}. They told me I have to dispute charges with my bank. 

I called Chase on XX/XX/XXXX to dispute the charges of the {$90.00}, {$48.00} and {$48.00}. They told me because the charge is past 60 days there is nothing they can do and to reach out to XXXX for them to credit back to my account and thatI should have payed attention to my statements that I don't get in the mail or sent to me might I add. 

So again, I called XXXX spoke to a supervisor on XX/XX/XXXX XXXX Who said under that store that day ( XX/XX/XXXX ) under my card number and under my transaction history they have no record of the additional 3 transactions. They sent me emails of the receipts that are accurate of the transactions that are correct and a email from the supervisor reassuring that there are no other charges on their side. They told me I would have to contact Chase back. 

Today XX/XX/XXXX. I called Chase and spoke to a supervisor by XXXX who refused to do anything even with all the evidence I have to support that XXXX has no charges on their end and even though XXXX is not fighting these charges that I did not make because again they can't open a dispute past 60 days. Even though the dispute is with the bank holding the funds instead of crediting it back, they still refused. So I told them I would file a complaint.
Consumer complaint received 2020-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (FL)

My wallet, debit card, drivers license, and social security card was stolen on the XX/XX/XXXX. Also I as out of the country on a XXXX XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX.  During that time I was not able to use XXXX XXXX to send money from the XXXX, so i authorized my son to do a few transactions for me up until XX/XX/XXXX. I was in The XXXX during the month of XX/XX/XXXX and XX/XX/XXXX as well. The TD bank Manager XXXX of XXXX XXXX, Florida, can attest to this. I had to call him twice from overseas to unblock my debit card. Between XX/XX/XXXX up to XX/XX/XXXX, multiple XXXX XXXX transactions was stolen from my bank account. I gave no one permission to take any money from my account, and the bank keeps denying my claim, stating that all Three debit cards were used to obtain the funds. I contacted XXXX XXXX, and they state only one debit card number was used in this fraudulent action. The bank is stating differently. Also, On XX/XX/XXXX, I reported my debit card stolen once i was in the states. The bank once again are stating regular spending patterns, but this is not the case at all.In all I am owed XXXX. I feel the bank is trying not to pay me due to the large amount. Please help me to recover my stolen funds. I have made 2 claims with TD bank, but they refuse to help me XXXX XXXX XXXX
Consumer complaint received 2020-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (TX)

I had two accounts with Citi bank, one was as double cash credit card and the other was a Sears credit card, I had been saving my cash back for a special occasion and had accumulated {$1400.00} in cash back rewards ( last statement attached ), on the Sears card I was also saving my points and had accumulated XXXX Citi thank you points ( last statement attached ) which are equivalent to a {$740.00} gift card. Out of nowhere Citi decided to close my accounts and they refused to give me my {$1400.00} cash back nor my XXXX Citi thank you points stating that when an account closes I forfeit any cash back and points. I have the card agreement for Citi and there is no forfeiture of rewards disclosure ( agreement attached ). Secondly, the card agreement states Citi may cancel my accounts for no reason or any reason, I asked for a formal reason from Citi as to why the accounts were closed and they did not state it was for no reason which I understand does fall under the card agreement parameters, instead they stated the cancellation for both accounts was simply due to me paying my balance via money order ( cancellation reason attached ) which is in violation of my rights as a consumer. All in all I belive its an unfair business practice for Citi to garnish a total of {$2100.00} in rewards that rightfully belong to me. I have reached out to them and offered to submit any documentation they desired in order for me to keep my accounts opened or in order for me to receive my earned rewards but they declined.
Consumer complaint received 2021-10-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (NC)

XX/XX/2021 I sent a complaint to the cfpb case number XXXX, in the company response 0n XX/XX/2021 Convergent Outsourcing Inc. is admitting to several violations I have list below in a attachment. I demanded for Convergent Outsourcing Inc. to remove this account from all consumer reporting agency immediately and monetary relief the violations committed. I sent them an email to the email provided in the response and also certified mail with my demands and invoice which I have all in the attachment below.