davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

My USAA Visa card last month stated that I did not owe a minimum payment, " {$0.00} '' even though I had a balance of {$940.00} owed for insurance payments to USAA. So thinking the payments were not due, I didn't pay anything. Then this month the bill still says no minimum payment due, but I found I was charged interest of {$7.00} because I didn't pay the balance owed last month. Nowhere does the bill state interest will be charged if the balance is not paid, even though the bill says no payment is due.

In addition USAA used to bill the insurance balance in four monthly payments on the credit card, without interest charged. Apparently that has stopped though I was not notified. An insurance person said it's still happening, but the bill and the credit card people say that program ended.

USAA needs to get its act together, and tell its customers when interest will be charged, etc. I've been a member since the 1960s.
Consumer complaint received 2018-01-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

when to get my money out the bank refuse to give me my money because I did know the names of my business I was and a very car accident over a year half ago and I forgot I have that account but I gave my social security number and it was the same account and along with my identification
Consumer complaint received 2019-06-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

XXXX XXXX XXXX. They a debt collector. They call me non stop. I told them to stop calling. Im trying to set up payments. Consumer services XXXX  and representative very rude. Trying to fix my mistake and suppose there to help you. Until they call you all hours of day and harass at work which told them they called. Then talking to real person nasty.
Consumer complaint received 2018-01-13
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: OCMBC, Inc (AZ)

I received a solicitation for a VA loan that looked like a bill, marked " Final Notice. '' First, I 'm not a veteran and not elligible for a VA loan, nor do I have a VA loan, yet this was on the letter : " As a VA loan holder, the XXXX XXXX XXXX XXXX XXXX XXXX allows you to combine your mortrgage and other debt PLUS get an additional {$32000.00} cash in hand for a new principal and interest payment of {$150.00} per month. 

We 've done our homework. You already have what it takes to qualify. '' etc etc ... 

This came from XXXX XXXX OCMBC , Inc. Licensed in CA XXXX, CA Mortgage Lender XXXX and NMLS XXXX XXXX
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the fair credit reporting act ( XXXX XXXX XXXX Acct # XXXX ) has violated my federally protected rights. 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX  XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXXXXXX XXXX XXXX  CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$12000.00} EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}
Consumer complaint received 2023-10-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2023, I opened a checking account with Wells Fargo. As a condition of opening this account, I was eligible to receive a {$300.00} bonus if within 90 calendar days of account opening I received a total of {$1000.00} or more in qualifying electronic deposits to my new checking account. On Monday, XX/XX/2023, I reached that objective, and called Wells Fargo on XX/XX/2023 to inquire about when I would receive the {$300.00} bonus. The customer service rep I spoke to said I should receive the bonus at the start of XXXX, because I had to wait until the 90 days were up. So after waiting until XX/XX/XXXX I called customer service again, and was told the account bonus was denied, and that the representative thought it was weird because when looking at their qualifications I had clearly met them. He said he would submit a form and that I would hear back after two weeks. I called again on XX/XX/2023, and the representative said there was no sign of any form, and that I should wait until next week. After having continuously been put off, despite keeping my account in good standing, and reaching out all Wells Fargo has done is continuously giving me the run around, and not providing me with the information I requested, nor the bonus per our agreed contract.
Consumer complaint received 2021-06-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (NY)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2021-10-16
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Dear XXXX After reviewing your response to my dispute letter of charge-off account. You didnt do a investigation on the account : Capital One I have received additional relevant information for you to fix this inaccurate charge-off account. I understand that you quoted the law in your letter you sent to me. The FCRA also states that I have the right to dispute inaccurate and incomplete information. For the fifth time, Im asking you to do a reasonable investigation and fix this problem. If you choose to ignore my dispute, when I have provided new and relevant information according to the FCRA, I will have no other choice but to escalate this matter and file complaints with the XXXX, attorney general, attorney general in your state, Consumer Financial Protection Bureau, Justice Department, Office of Comptroller of Currency, Consumer Action, Consumer Federation of America, Division of Credit Practices, Advocates for Fair Credit Reporting.

1. You must assume that my dispute of this information is valid unless you have evidence that states otherwise. Do you have this evidence? If not, and you dont investigate, then you are being non-compliant. 

2. I have provided you further information on this dispute and, as a result, you must investigate and, if you choose not to, then you are non-compliant again.

These actions are all violations of the FCRA. Every month you choose not to investigate this matter, my character is being damaged.

Im carefully tracking all correspondence with your company. 

I think 30 days should be long enough for your company to complete this investigation. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-06-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (WA)

My mortgage was sent from Dovemuhle to XXXX bank without my notification. We had automatic payments setup and as a result when it was sold, we no longer were paying our mortgage. As we were not notified, we were not aware of the new loan, or where to make payments. This has negatively impacted our Credit Score -XXXX points. This will severely limit our ability to apply for another mortgage, get a fair interest rate, and be considered for rentals.
Consumer complaint received 2021-06-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2023-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Citizens Bank Mastercard obtained with a limit of {$800.00}. Payments due XX/XX/ for roughly {$30.00} submit week of XX/XX/ for {$60.00}, confirmation # XXXX. 

I have received correspondence from Citizens Bank stating that they have decreased my limit to {$300.00} from {$800.00}. 

My payment is less than 30 days late and a violation. Payment invoice received for XXXX XXXX All other months obsolete.
Consumer complaint received 2020-12-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX, I attempted to send {$750.00} through PayPal. The transaction status went to " pending/currently being reviewed '' immediately after I authorized the transaction. This is the same recipient that I had sent money to 4 times previously without hiccup. 

On XX/XX/XXXX, I received an email from PayPal asking for the date of birth for a person mentioned in the note that I sent along with {$750.00} ( see attachment ). Date of birth ( DOB ) is a piece of personal identifiable information ( PII ) that is protected by California Consumer Privacy Act ( CCPA ), and PayPal has no right to ask for this information without justification. 

I subsequently asked PayPal to cancel this transaction and return my money by sending several messages through PayPal app and two phone calls ( see attachment ). I was told that the transaction was under " compliance review '' and the compliance department does not talk to individual consumers like myself, or offer any explanation other than already provided. I asked for specific regulation or law that mandates PayPal 's " compliance review '', and was pointed to PayPal 's user agreement on PayPal 's website that gives one paragraph vague description of their payment review with no specific law cited that gave them justification to ask for DOB. I asked for an estimated time of completion of their " review '', and PayPal refused to comment on the timeframe, or offer any alternative solutions, or inform me of next steps. PayPal insisted on completing the " review '' for a transaction that I asked them to abort. PayPal did not give clear indication if or when they will return my money, if or when the transaction will go through. In the meantime, PayPal appears to intend to hold my money indefinitely. 

I did not purchase any goods or services from PayPal. I was trying to use PayPal as an online platform to send money electronically to a third party. PayPal failed to fulfil its services while holding money that does not belong to them. Customer communication was very poor, and PayPal is not acting in the best interest of consumers. PayPal is simply using " compliance review '' as an excuse to benefit itself.
Consumer complaint received 2021-06-11
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: EdFinancial Services (VA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2018-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit bureaus and creditors are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2018-01-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

I am filing this complaint because midland funding has ignored my request to provide me with the documents that their company has on file that was used to verify the account that I disputed. I have requested for the original contract papers with my signature to prove this debt is valid. It has been well over two weeks and I have yet to get a response.
Consumer complaint received 2015-06-01
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Meade & Associates, Inc. (OH)

I have disputed XXXX paid medical accounts listed with Meade and Associates. I requested dates of service, as well as, to whom the services were rendered and never received the information. I 'm attaching the letter I received from Meade, in addition to my XXXX Credit reports showing the dispute and results. Although I paid these, I did so because they told me the debts belonged to me. Upon further review, they do not. Basically, XXXX told me to take it up with the collection agency, so I did and the debts are listed as verified every time.
Consumer complaint received 2023-08-24
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I filed a XXXX complaint to Capital One, about the recurring charge of XXXX from XXXX. Their response from Corporate, to resolve, was to put a block on XXXX count, however It did not work. I was charged XXXX in XXXX and in XX/XX/2023. I need these charges reversed and the recurring charges blocked please. Thank you
Consumer complaint received 2021-06-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MD)

I apply for loan modification from Shellpoint mortgage from there loss mitigation department due to decreased income but it has been a nightmare as they keep asking me a dozen times to submit the documents I already submit I believe I am a victim of preferential treatment one representative tell me one thning and when I call back I hear different story they just want to make me too lose my house for foreclosure by using systematic discrimination I uploaded all the required documents and even I am qualified for the home modification based on my current income to debt ration analysis but they just keep asking documents I already submitted with no solution so far,
Consumer complaint received 2021-06-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmeriCollect (NY)

I was involved in a motor vehicle accident in XXXX. The driver that hit me was at fault, I filed a claim with his insurance company as well as my own to ensure medical was covered. Americollect states that I am responsible for this balance and has placed a collection on the credit report. This is incorrect insurance is responsible for this debt, this responsibility does not lie upon me. Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. Americollect states that it meets FCRA requirements as per XXXX, XXXX, XXXX. Americollect is in violation of the Fair Credit Reporting Act as they have listed the hospital onto my credit report which is also a HIPPA violation. This is a direct violation and needs to be removed from all credit reporting agencies again I repeat this is not my debt.

As Americollect is violating the FCRA and HIPPA & FDCPA please update your records and remove all negative information/collections accounts immediately. 

Please bear in mind per violation I can seek up to 1,000 dollars per violation at a local venue of my choosing. 
Contacted Americollect on XX/XX/XXXX The at fault party whose insurance this should be collected from : XXXX XXXX XXXX XXXX ( Employee ) Their AL policy number is XXXX and you can call XXXX to submit a claim on their policy. Claim Number : XXXX XXXX  offers no fault insurance protection if needed. Claim Number XXXX XXXX
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Turner Acceptance Corp. (IL)

I have disputed this account with 3 credit bureaus and the information is not correct. I asked them to remove this account due to no debt validation and it has not happened. It comes back as verifired when it really according to law was not. According to 2 credit bureaus it is showing as a closed date of XX/XX/XXXX but opened XX/XX/XXXX. How is it possible to be opened in year and closed 2 years in the past. Information is not correct and it was removed from one report and added back without letting me know that it would be. Why would a company state the information is correct if the close date is XX/XX/XXXX but it was opened in the future? that makes no sense. This company has yet to send me ANY type of validation to me at all. I want that postage and date it was sent to my home of when they sent it. I have yet to get anything at all. How can you as a consumer bureau acknowledge the fact that on my report my actual credit report it states the reported CLOSE date was 2 years BEFORE IT WAS OPENED. IF I AS A CONSUMER ASK FOR THIS TO BE INVESTIGATED AND BECUASE IT IS CLEARLY WRONG INFORMATION ON BOTH REPORTS IT IS REPORTED TOO IT SHOULD BE REMOVED. PER LAW I AM GRANTED THAT BUT TO SAY IT IS CORRECT IS WRONG. THERE IS NO WAY THAT AN ITEM ON MY REPORT SHOULD BE CLOSED 2 YEARS BEFORE IT WAS OPENED. IT MAKES NO SENSE AT ALL
Consumer complaint received 2019-08-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JH Portfolio Debt Equities, LLC (MA)

I need the help of the Consumer Financial Protection Bureau, as Credit Control , LLC still has my personal information, trying to collect a debt that can no longer be enforced or for that matter reported on credit. This abusive collection letter states that by the standard established through the Office of Attorney General in the Commonwealth of Massachusetts, mandates that the collection can no longer be enforced. I request that the Federal Trade Commission step up and sanction this collection agency, that is trying to collect on a debt supposedly taken over by a debt buyer known as XXXX XXXX. Both of these companies are owned by the same holding company, and thus both companies are committing abusive collection practices. I demand the purge of all of my personal information with Credit Control , LLC and XXXX XXXX permanently. 

CEASE AND DESIST AND PURGE FILE!!!