davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ENCORE CAPITAL GROUP INC. (CA)

XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX   which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that 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 2019-01-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

on XX/XX/15 this account was taken out and reported on my credit file as derogatory information, a collection account in the amount of {$130.00} I have corresponded with this company to resolve this issue on several occasions with no avail to take care of this complaint that I have no knowledge this meets FCRA regulations per my attorney. this was a final attempt before law suit per my attorney. XXXX XXXX has already taken it of my consumer report
Consumer complaint received 2019-01-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (TX)

I disputed with Equifax the collections claim from XXXX XXXX XXXX and they resolved the dispute in less than 30 days with not documentation from XXXX XXXX XXXX to prove the claim. They sent me no postal mail and said I had to re-enter a dispute. They only had results and legal documentation to backup their results.
Consumer complaint received 2019-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (TN)

I have been in contact with XXXX XXXX since XX/XX/XXXX when I discovered that my account was listed on closed/charged-off on my credit report and not reflecting monthly payments and the account being open and paid on time. I have spoken to multiple customer service representatives starting in XX/XX/XXXX and most recently on XX/XX/XXXX, in which they have been unable to assist. All of the customer service representatives have stated that my account is current, paid, open, and never been a charge off or repossessed ; even when I escalate it to customer service management. I sent a letter via certified mail to XXXX XXXX in XX/XX/XXXX requesting for the account to be updated on my credit report. On a letter dated XX/XX/XXXX, I received a letter from XXXX XXXX in response to my certified letter apologizing for the mistake and that the account payment history and status would be updated to reflect Current/Open and paid on time ; however, this issue has been yet to be corrected. Most recently upon reviewing my credit report in XX/XX/XXXX, they have shown the account as being closed as of XX/XX/XXXX, which is not true. The account is open and paid as agreed, in which most months I have overpaid to pay down my balance so that I can get rid of XXXX XXXX   altogether and have the vehicle paid off. As the customer service representatives have all stated, this vehicle and my account has never been repossessed nor charged off and the account is open and current. XXXX XXXX is taking advantage of consumers and refuses to correct their errors, only wanting to collect money and not be of any assistance. I also know that I am not the only consumer that has had this error from them, as I have spoken to 25 other individuals that are experiencing the same issues with XXXX XXXX incorrectly reporting to the credit bureaus while their internal systems say otherwise.
Consumer complaint received 2019-01-07
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: TOYOTA MOTOR CREDIT CORPORATION (NY)

XX/XX/XXXX I checked XXXX XXXX on XXXX  and my score dropped from XXXX to XXXX. It erroneously shows XXXX XXXX  updating a XX/XX/XXXX vehicle showing it was repossed. false it was voluntarily surrendered by me. my credit took an unnessary hit. my credit should be going up not down. i currently lease a XXXX XXXX XXXX with no late payments. Please clear up this unnnecessary confusion and bring my score up to date. Thanks
Consumer complaint received 2018-12-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WV)

Wells Fargo has a history of refusing payments or processing them late, as in a couple of weeks. This results in foreclosure notices about every other month which WF says to disregard because they have the payment. 
On XX/XX/XXXX I attempted to pay WF through both the mobile app and their website. Both were down, so I used the automated pay by phone and received a confirmation number. I watched my bank account all month and it never came out. During that time, I called them weekly, to which they could only tell me their systems were down and they couldn't access my account information each time. 
On XX/XX/XXXX I mailed them a check in the agreed amount. They never cashed it. 
Having been through this in XXXX, I retained legal counsel. 
The XXXX incident began in or around XXXX XXXX when three payments were attempted to be withdrawn from my account. Looking at my credit score, they marked me nearly 90 days delinquent on an auto-payment account. I was threatened when I removed the auto-payment from my account and then WF refused to accept any further payment. Although checks were sent each month up until the notice of sale three months later. The account was reinstated through legal counsel and a large sum of money. However not even two months after reinstatement, they began with the late  acceptance of payment measured in weeks after payment in which I have written in a journal to document the absurdity. Not documented was when it began the fall of XXXX when the lapse between payment and processing is around 20 days. The aforementioned journal is attached, XX/XX/XXXX - XXXX to serve as historical reference of how my account is serviced and I am harassed each month. 

WF has marked me 30 days late for 3 years and my credit has been ruined from this one creditor. They've trapped me with no option to refinance with another provider. I no longer wish to be their customer. 

Due to current litigation, I am not attaching any current discovery items besides those proving payment was made in good faith on my part.
Consumer complaint received 2019-01-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jim Bottin Enterprises, Inc (CO)

I had a gym membership with XXXX XXXX and paid the year in full ( including annual fee. ) In XX/XX/XXXX, with no prior notice, the gym closed their doors and emailed the members about having to go to one of their other locations in person in order to cancel. I went to the other location and submitted a cancellation document which stated that we will NOT owe any cancellation fee as they have closed the location. I contacted corporate about the funds due back to me for the months pre-paid - after months of calling and emailing, I finally received a refund of LESS than what was owed to me. I decided to cut my losses and move on - however, today, I received a phone call from XXXX XXXX 's financial services stating that I owe {$49.00} for the XX/XX/XXXXannual fee. I advised them that my membership has been canceled, but after researching, the representative stated that I am still showing as active and that they will send me to collections if it is not paid. I attempted to call the gym, but they have continued to hang up on me. Finally, one of the employees by the name of XXXX advised that she will leave a message for corporate ( a representative from corporate named Dris ) to call me back. She also advised that they are no longer XXXX XXXX as they have been bought out by XXXX XXXX XXXX, so they can not promise to help me any way. 
1. If cancellation was not successful, why was a refund issued to me? ( although it was less than what is owed to me ) 2. It is nearly impossible to ever speak with anyone. They usually will not answer the phone, or if they do, they will hang up immediately, and they never respond to emails. 
3. If they are no longer XXXX, why are they collecting an annual fee for a gym that does not exist? 
4. Per the internet reviews on this gym ( all locations ), it appears that there are SEVERAL people going through the same scenario as I am - including their employees and other contract workers who have completed jobs for their gyms.
Consumer complaint received 2021-03-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (IL)

I went to XXXX and someone took my XXXX American Express debit card and swipe {$990.00} once I notice that a transaction that big was made I contacted bluebird. A prayer to resolve this matter they sent me an e-mail XX/XX/XXXX and told me in the email that the transactions was authorized if they will be suspending my account I have over {$30000.00} on that card I live out my XXXX I'm a XXXX XXXX I don't have no money to buy food or to pay for a shower I'm an XXXX XXXX this is my business. My text deposit on my card. I have no address
Consumer complaint received 2021-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (CA)

I mailed my XX/XX/2019 credit card payment to U.S. Bank in a timely manner. The following month I saw that my account had not been credited for the mailed payment. I contacted the company and explained what happened. I was told that the XX/XX/2019 would not show up as a missed payment on my credit reports. Months later I reviewed my credit reports and saw that there was a late pay on my report. I contacted both the 3 credit bureaus and the company in an effort to get the late payment removed from my credit report but with success.
Consumer complaint received 2019-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Innovis (OH)

In XX/XX/2018 I was in the market to purchase a home. I shopped around and purchased my home in XX/XX/2018. A credit company known as CBCinnovis ran a hard inquiry on XX/XX/2018 without my consent. I want this removed off of my credit report immediately!
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Dear Sir/Madam, Sat, XX/XX/2024 at XXXXXXXX XXXX  I am writing to dispute the validity of the debt collection attempts made by XXXXXXXX XXXX XXXX regarding the account, whichyouclaimot beowedby

me. Aspartofmydispute, IhaveaspecificInquiryregardingthehandlingofthiscollection account. Could you please provide me with confirmation as to whether an attomey has reviewed this collection account? Specifically, Iwould like to know fi any legal professional has assessed the details of this debt, including its validity and the procedures followed by XXXX XXXX XXXX in attempting to collect it. 
Understanding whether an attorney has reviewed this collection account is crucial for ensuring compliance with all applicable laws and regulations governing debt collection practices. Therefore, Ikindly request that you provide me with this information at your earliest convenience. 
Additionally, I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to request validation of this debt and to dispute any inaccuracies or discrepancies related to it. I expect ful compliance with these laws ni al communications and actions taken by XXXX XXXX XXXX regarding this matter. 
Please be advised that l am keeping detailed records of al communication regarding this matter, including copies of this letter and any responses received. Ireserve the right ot take further legal action if necessary to protect my rights under the law
Consumer complaint received 2019-01-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (CO)

Navient has been attempting to contact me. They have an accurate phone number, email address and physical address. Today, XX/XX/2019, they opted to contact my fiance. At this time, he is NOT listed on any of my accounts, his phone number is NOT listed as any of my contact information and NO ONE is authorized to speak to him about my personal finances. This is a huge breach on the part of Navient as they have now shared personal information to someone who is NOT authorized to receive information.
Consumer complaint received 2020-12-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (OR)

XXXX/XXXX/20 I applied for a mortgage refinance with Better.com Mortgage Company. They issued a Loan Estimate and I asked if they could match or beat the total costs of 2 other Loan Estimates I received from other mortgage companies. They said that they could and would. 

XXXX/XXXX/20 When I went to review the Loan Estimate again, it had been updated and they stated that I had asked for a change in loan terms. I had not. When I asked for an explanation of why the Loan Estimate had been revised, they cited that rates change twice daily and they only hold the pricing on the Loan Estimate for one day. When I asked about the 10 business day requirement for lender to honor the terms of the Loan Estimate, they again stated that the pricing would continue to change unless I locked in the rate. 
I asked to speak to a manager or a compliance officer and the manager reiterated the same thing about rates changing twice daily.
Consumer complaint received 2023-04-01
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXXXXXX Balance : {$110.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-02-06
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: Experian Information Solutions Inc. (OH)

US DEPT ED {$14000.00} US DEPT ED {$27000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) {$660.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) {$120.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) {$190.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) {$910.00} according to the LAW 15 USC 1292J ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k  of this title for failure to comply with a provision of this subchapter.
Consumer complaint received 2023-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (TX)

Cash app is literally stealing from people! Stealing from me! 

They stole {$64.00} from my account today XX/XX/XXXX. This charge was said to have been completed on XX/XX/XXXX. They took it out again! This is the second time that unauthorized transactions took place in my cash app account and they took it out again! 


I recently submitted a complaint : On XX/XX/XXXX I was charged an amount of {$54.00} to merchant XXXX XXXX using my Cash App debit card. I moved {$60.00} to my Cash App card from my XXXXXXXX XXXX XXXX on at XXXX on XX/XX/XXXX. Immediately, {$54.00} was missing from my Cash App. The notification that appeared was to notify me that that amount was missing due to it being charged to the merchant XXXX XXXX for the transaction that occurred on XX/XX/XXXX. I reached out to Cash App to see why I was I was charged again on XX/XX/XXXX for a transaction that was completed on XX/XX/XXXX and they stated that I was only charged once on XX/XX/XXXX and that it was indeed completed that day. Upon following up with Cash App, their reasoning for taking out {$54.00} on XX/XX/XXXX is because there was an " impacted transaction error that occurred between XX/XX/XXXX and XX/XX/XXXX '' and as a resolution they deducted the funds back out of my account ( and many others ) to reflect the " correct '' balance due to the funds incorrectly being returned to my account. There was never a return of funds into my account from this transaction or any transaction for that matter, from Cash App. They literally stole from me {$54.00} and blamed it on a system glitch, which was their error and they refuse to refund me or credit my account for the amount that they took. I notified them of this and escalated this issue with their advocate team and was told that although it is unfair to the consumer that there was a transaction glitch, they simply took back the monies that they accidentally put back. To my knowledge, they stole from me and no consumer should have to pay for their mishap!
Consumer complaint received 2018-03-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Today I was contacted by appointment with XXXX XXXX in an attempt to transfer XXXX investment accounts as a result of my recent departure with my employer. I called XXXX XXXX   ( also XXXX ) to move my investment account to a different selected portfolio within their infrastructure. I met with a financial advisor who spent in totality more than 2 hours walking me through my options over the course of the last two days. I elected an IRA account with no withdrawals and was taken through the account launch process which lasted approximately 30+ minutes. 

On the telephone, I specifically asked the representative if my credit report was going to incur a hit and I was advised " no, that this was not required ''. However, upon submitting my personal and financial information, I received an automated denial notice with indication as to why. I asked to speak with a manager and was finally advised that I was listed on a " do not open warning list '' with no further explanation. I then called BOA  who transferred me to the " closing department '' ( XXXX ) and was advised that BOA closed a checking account in my name for " reasons unknown '' in 2013. They then advised that they reserved the right to do so despite the fact that my credit was in good standing, I had no outstanding returned checks and quite frankly never have, and despite me having absolutely no accounts in collections or otherwise and maintain a quality credit ranking. 

I further inquired as to why BOA would allow me to keep an investment account with my former employer and in-turn, refuse approval of an IRA account ( XXXX ) when in fact, they solicited and even specified that I review my available options to reallocate these funds to another BOA  investment product now that my employer is no longer making contributions. I asked why they would send me solicitations regarding my options if their system of record was in-fact predetermined to deny my application without a true and clear review of my credit report and financial qualifications. Thus, AFTER placing an unnecessary inquiry on my credit report and taking me through hours of a deceitful exchange. 

I have never been denied a checking account or credit for that matter and maintain an excellent rapport with XXXX XXXX for day-to-day banking. As such, XXXX should be utilized by BOA as  a true example of professional banking standards and regulatory compliance. This was surely a waste of BOA employees time, of mine and is a clear example of a break in process.
Consumer complaint received 2019-01-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (FL)

I have purchased my condo in XXXX XXXX, FL through XXXX XXXX XXXX on XX/XX/XXXX without an Escrow, as I wanted to pay my property taxes myself. 
After a month, I have learned that my mortgage was sold to Suntrust bank. 
A few months into my payments in XX/XX/XXXX, Suntrust has placed Escrow on my mortgage and told me that I was obligated to have escrow since I live in a flood zone. I have contacted them multiple times in XXXX and XX/XX/XXXX, but haven't been able to get a proper answer on why this won't be removed since it wasn't in my original escrow agreement with XXXX XXXXXXXX XXXX in the first place, other than hearing that this is their policy. 
This has increased my mortgage payments unnecessarily and is creating extra hardship by increasing my monthly payments, as I had made my plans for paying my taxes separately.
Consumer complaint received 2019-01-01
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: Western-Shamrock Corporation (MO)

Western Shamrock failed to provide me a " Right to Cure '' and this account is still being reported to credit bureaus although it is involved in litigation. They continue to friviously report in retaliation against me to all 3 credit companies although this account is involved in pending litigation.
Consumer complaint received 2020-08-03
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. (IN)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (GA)

I have {$380.00} in collections according to XXXX XXXX because of Hunter Warfield. They believe I still owe my apartment complex more money after moving out.

I paid my deposit of {$400.00} that's in my lease that me and the manger of said complex signed but the lease has been ignored and they believe I only put down {$100.00} deposit. 
I have sent my lease agreement to them and received no response.