davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I applied for the USAA Preferred Cash Rewards credit card on XX/XX/2019 and it was approved for a {$11000.00} credit limit. I chose to have the card expedited and I received it through XXXX on XX/XX/2019. The card couldnt be activated and I spent over one hour on the phone with USAA trying to figure out what the problem was. However, Im still not sure why the card was approved but then immediately closed, despite speaking with five different USAA representatives. Also, I still owe them {$8.00} because I chose to have to card expedited.
Consumer complaint received 2019-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: DCN Holdings Inc. (MN)

Contracted and paid XXXX to XXXX XXXX to locate and retrieve a judgement amount of XXXX awarded by the court in Minnesota. XXXX XXXX has provided no useful information or services ad advertised.
Consumer complaint received 2022-03-31
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Specialized Loan Servicing Holdings LLC (TX)

I had a remodification completed, during a time that my loan was being moved from XXXX XXXX XXXX to Specialized Loans, my credit report shows I had not paid my mortgage XX/XX/XXXX to XX/XX/XXXX, if that was the case I would not have my home. This incorrect reporting is damaging my credit severely. When in the process of the remodification you are asked NOT to make payments. And then you have a trial period of payments before the process can be completed, this should not be a negative on my credit score or followed the process.
Consumer complaint received 2020-12-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

USAA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX USAA requested proof that the Court Bond was real and needs to stay on the HUD. We provided that. They are now saying they want it removed from the HUD regardless of the order given by the court to have it paid. -- -- -- USAA is trying to force the alteration of the terms of the short sale that the 1st XXXX  would be accepting. USAA is the 2nd XXXX and this is a short sale. This is NOT ACCEPTABLE!! They can either take the funds offered to them by the 2nd XXXX or they will get NOTHING if they try to force this into foreclosure. There is no option where they get to tell the 1st XXXX  what they can and can not accept nor try to force an alteration of the terms on the HUD. 

When confronted with this, USAA asserted their policies supersede federal and state law. *****This is illegal on both a Federal and a State level. 

Their XXXX needs to STOP!!! They do not get to dictate terms for the 1st XXXX   nor do they get to create their own laws. 

I want the USAA to move past their issue with paying the Court Bond on the HUD and for them to move the short sale forward appropriately.
Consumer complaint received 2019-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Everything on my account is not me. The representatives on the phone will not speak to me because I can't answer the security questions because they are related to me, they are related to the accounts I need to dispute. There was a loan in XXXX ( I was XXXX years old ) and credit card through XXXX XXXX in XXXX that is still being paid but not by me. There was another loan for $ 700+ in XXXX in which I was still in school. A security question asked where XXXX XXXX lived. I could not answer because I don't know who it is nor do I know why it is a security question. This is fraud and trans Union needs to do a better job at fixing this.
Consumer complaint received 2023-08-25
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (OH)

In early 2019 Credit Acceptance Corporation had the understanding that I was unable to pay my bill. I voluntarily repossessed the vehicle due to not being able to make payments they stated that they would then put it under voluntary repossession and I wouldnt be responsible for the balance of {$13000.00} for a used vehicle. When you pull my credit report it does not show on the report. But when you pull my public records it shows they are trying to garnish my paychecks in which I had no knowledge of this and havent spoken to anyone about this. To my understanding once the car was out of my hands it was not going to be on my credit report or I would have my paychecks garnished.
Consumer complaint received 2019-10-03
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. (TX)

I am a victim of identity theft. There has been fraudulent activity noted on my credit profile. Reference to  Account- XXXX XXXX, reports a {$650.00} Balance. 


I have contacted Transunion and requested for Fraudulent activity to be blocked from my credit file pursuant to section 605B. My request is for the listed unauthorized creditor to be Blocked from my credit file. Transunion has failed to honor my request. I would like for this complaint to be investigated. As this wrongful information is hurting my credit worthiness. 

Please find attached a copy of my policy report referencing my identity theft as well as my United states issued Passport.
Consumer complaint received 2019-04-02
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent charges to my credit file. As a result, I disputed this identity fraud with this company on XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. But until now, as I am writing to you, this company is still reporting these fraudulent accounts contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. 

For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. Please REMOVE this fraudulent information from my credit report, as per 605B of the Fair Credit Reporting Act : XXXX XXXX XXXX ACC # XXXX, Date Opened XX/XX/, Balance {$1300.00}, Original Creditor XXXX XXXX XXXX XXXX I am attaching the dispute letter/documents I sent to this company on the XXXX and my small claims form, in case they need to reference or review.
Consumer complaint received 2019-04-02
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 — Investigation took more than 30 days
Company: Ascendium Education Group (AZ)

Upon review of my credit report in XX/XX/XXXX it was brought to my attention there was several accounts that reported negatively that needed my attention. A separate account owned by, Ascendium, aka XXXX XXXX XXXX, aka USA Funds, aka XXXX XXXX XXXX, aka XXXX owned two of these accounts. I sent a original certified and notarized letter requesting validity on the alleged debt in XX/XX/XXXX to what was XXXX XXXX XXXX, and requested items be deleted per my report if validity not received in the allowed time frame.I did not receive a response letter at any point. I then received a second bill in the end of XX/XX/XXXX as well as the Agency continued to report to all three major credit bureaus on my behalf and also was at this point referencing to themselves as Ascendium education solutions Inc fka USA Funds I sent a second request for validity XX/XX/XXXX I received a response letter from Ascendium Education Solutions Inc C/O XXXX stating they are " unable to verify '' and requested more information, requesting additionally social security number and date of birth as well as other information that was provided originally to them already it is my understand of the Fair credit Act that I do not have to provide my date of birth or social security number to them as them are simply trying to verify this is my debt, to collect.I then sent a third certified, and notorized letter requesting a validity including my date of birth XX/XX/XXXX.I have not received a response from any of all of the above referenced collection agencies as of today 5 months since original dispute.
Consumer complaint received 2021-03-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

Our mortgage was purchased from XXXX by Select Portfolio Servicing , Inc ( hereafter, SPS ) within the last six months. Upon the sale of our mortgage loan to SPS we have noted a significant change in the fees applied in servicing our loan. The business practices of SPS, more specifically the fees for making a mortgage payment have been very disconcerting. The significant monthly fees to make a payment are biased, discriminatory and penalize individuals who have limited access to the internet and banking services. 

When our mortgage loan was with XXXX, a monthly mortgage payment could be made through the automated telephone service for XXXX. SPS now charges $ XXXX ( $ XXXX ) to make a payment through the AUTOMATED telephone service and {$15.00} to make a payment with a representative over the phone. Per the representative, a bank to bank mortgage payment can be completed for free. Or, if autopay is set up using a bank account it is free. I have previously set up autopay to pay a bill in a different situation only to have funds deducted prior to agreed upon date. Therefore, I never use that option anymore. Utilizing the United States Postal Service requires the cost of a stamp, would require a check be mailed prior to funds being available to arrive on-time ( which is not preferred ) and risk the payment being late due to the uncertainty of delivery times during current pandemic. 

Thus, does a consumer have the right to choose which CREDIBLE company purchases his/her loan? What are a consumer 's rights in the choice of who buys his/her loan? When my home was purchased over 20 years ago I had a choice in choosing my mortgage company. 

Now, years later, we are forced to deal with SPS, a company we are very uncomfortable with due to its business practices. Tonight, this writer had another FRUSTRATING, unsatisfactory experience attempting to make a mortgage payment, during this pandemic, without paying a fee. Ultimately I requested to speak to a supervisor. After an extensive conversation, that supervisor stated if a mortgage payment is being made within 5 days of its due date, she can waive the fees. This was the first time I was made aware of this rule. The payment this writer was attempting to make qualified for that rule. The supervisor then agreed to waive the fee for paying over the phone. While on the phone this writer researched the history of SPS online and discovered the previous government settlements related to its business practices under its previous names. 

SPS ' fee practices are unfair, discriminate against financially disadvantaged individuals and financially burden those who may be experiencing financial hardship. SPS unfairly applies fees to the most convenient and easily accessible method available to most to make a timely payment, especially during the pandemic - the phone.
Consumer complaint received 2019-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (NY)

I have a deferment letter clearly stating that my loans ere in deferment, yet all my credit reports show XX/XX/2018 as late and the deferment letter received shows in Deferment for XX/XX/2018. I have tried disputing, I have tried contacting company, got no assistance.
Consumer complaint received 2022-03-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. ()

Hello, I invested in XXXX currency from Coinbase.com 2015 and all my investment have been stored on their wallet since then, about a month ago I noticed that my account have been blocked and it says " Sorry, account temporarily disabled. Please contact support '' when trying to log in. 

So I contacted their support and have not received any response from them and it's been over a month now, I created a new support ticket that got closed about 10 days after and today I received a new email from Coinbase saying this : " Hi, Thanks for working with Coinbase Support. 

We hope you were able to get the help you needed. We're closing this case ; if you need additional support, please visit the Coinbase Help Center for quick answers to many questions.

Regards, Coinbase Support '' And they have not even contacted me or helped me with my account. 
I have a lot of money stored and I need to withdraw them, it's my entire life savings.
Consumer complaint received 2023-04-06
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. (FL)

I have loan with DEPT OF EDUCATIONXXXX XXXX I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 90, 120 and 150 days past due. Ive never been behind on my payment. I tried contacting the 3 credit Bureaus and the DEPT OF EDUCATION/XXXX  but they have provide me with noting tangible, which reflects anything verifiable. There is definitely an error with their part. I was never late on this account. Investigate properly and please update for 100 % accuracy. DEPTEDXXXX  XXXX Date Opened : XX/XX/2016 Balance Owed : {$0.00}
Consumer complaint received 2019-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (MD)

There is an issue with your account, Please contact Customer Service at XXXX. 
You will not be able to make purchase with your card until you contact customer service. 

I was trying to make a purchase and the Synchrony bank inappropriately tagged the car part as fraud and 3 times denied my purchase the item cost was {$350.00}. While the vendor was on the phone they rejected my card and when I called they marked my purchase as fraud. Numerous phones calls were made to rectify this issue and they refused. The fraud department employees claimed they could not validate my identity and insisted that I take a picture of my drivers license or take a video. Apparently there is a language barrier as the calls were routed to XXXX and the employees were rude and unprofessional. They called me on my home number I answered and my cell and stated neither number which they have on their credit card record is registered to me. I find that UNBELIEVABLE AS THEY SEND ME TEXT MESSAGES AND THE OTHER NUMBER IS ON MY ACCOUNT PROFILE. The credit card is current and in good standing since 2011. I
Consumer complaint received 2023-04-06
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. (NC)

I have submitted several complaints to the Credit bureau and they will not fix the errors and do not reply to my letters that I have sent, I have sent several. It is still reporting inaccurate information and I want this deleted immediately! 

as well as inaccuracies across each credit report. Different dates, different amounts etc. this is by law Illegal! 

There should only be 1 address, 1 name any additional information needs to be deleted
Consumer complaint received 2019-04-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. ()

On XX/XX/2019, my sister XXXX XXXX XXXX, sent a telegraphic transfer for {$20000.00}, from her Citibank LA account # XXXX to me, XXXX XXXX XXXX, into my US dollar account in XXXX XXXX XXXX with account number # XXXX. We also provided the banks XXXX code XXXX The Telegraphic Transfers reference number is # XXXX for which she paid {$45.00} for the transfer. The Bankers code is : XXXX, XXXX The transfer was supposed to be made available to me on or before XX/XX/2019 however, to this day ( XXXX ) I still don't have the funds! 

I provided my bank with the confirmation and followed up but they were also surprised that the funds have not been remitted. They claim that there was a problem with the way the money was sent. It was allegedly sent in XXXX when it should have been sent in dollars. 

My sister complained to the bank but they said as far as they are concerned the money has been remitted to Citibank XXXX. We argued that we have not received the funds but they are unable to tell us where the money is and how it will be resolved. Furthermore, they also said that the investigation will take up to 90 days! 

I can't believe that this can happen! I desperately need my money and the bank that messed this transfer is not forthcoming with a solution. 

How can this happen??? This should be investigated. Who will pay for the interest payments that I am now charged for missing my payments? 

I hope you can look into this and help me recover my money. 


XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (TX)

Twice since XXXX, I have been defrauded as a Truist Banking Customer. My checking account has been completely wiped out since the merge or bank change. It was formerly BB & T/SunTrust. I never had these issues with BB & T.
Consumer complaint received 2019-04-02
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. (OR)

On XX/XX/2019, I discussed loan refinance with a lender, XXXX XXXX. I gave the permission to pull my credit around XXXX. Less than hour later, I became inundated by unsolicited phone calls from other lenders or their representatives who obtained my information from the credit bureaus, ( XXXX, Experian and XXXX ). They all claim that they are partners with these credit bureaus. 

I did not agree for my information to be shared with anyone! 

Who gave these people my phone number??? 

Why are credit agencies matching the credit inquiry with my phone number and giving to these other parties - I did not authorize that. 

I lost several hours of my time just handing the calls.
Consumer complaint received 2019-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

On XX/XX/2019, I discussed loan refinance with a lender, XXXX XXXX. I gave the permission to pull my credit around XXXX. Less than hour later, I became inundated by unsolicited phone calls from other lenders or their representatives who obtained my information from the credit bureaus, ( XXXX, XXXX  and TransUnion ). They all claim that they are partners with these credit bureaus. 

I did not agree for my information to be shared with anyone! 

Who gave these people my phone number??? 

Why are credit agencies matching the credit inquiry with my phone number and giving to these other parties - I did not authorize that. 

I lost several hours of my time just handing the calls.
Consumer complaint received 2018-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

a number of hard inquiries are on my account that have not been removed, even though I had requested that was done. they are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MS)

I sent in all documents to Select Portfolio Servicing each time you send in documents they act like they don't recall what you send and have you go over and over the same thing over and over again. They reverify more than XXXX times in order to process a modification the rep don't remember what the other rep said and the loan department ask you to resend the same document over and over. I am getting nowhere with this company. Yet they are sending me paperwork that keep adjusting my payments higher and higher during the time I am submitting paperwork to be modified. I hang up the phone and was told just to send schedule XXXX page of 2018 and that will be it and the next day I call and we start back over all over again like we never talked  the reps have no information on what is being processed from what is finished what is a light bill to what is a gas bill I am getting no where with this modification after spending weeks trying to resolve it.