davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I went Grocery Shopping at XXXX on XX/XX/2020 and my groceries came up to {$230.00}. On Wednesday, XX/XX/2020, while I was reviewing my checking account transactions online, I discovered a charge of {$12.00} that was made. I immediately called USAA Federal Savings Bank and informed of them of the suspicious charge. The USAA Representative told me that she did saw that the charge came out of the State of Arizona, at a XXXX with a telephone number listed as XXXX XXXX XXXX XXXX XXXX. The Representative then told me that she was closing my account due to the charged being a fraudulent charge and that I will be sent out a new card in 2 business days. I have XXXX young children in my home and I feel that it's very unfair to be without a money or card and for USAA to have members wait so long for a new card to arrive via XXXX for such a long time period. I was asking why can't they overnight or express it to me and hey stated to me that it's their banking policy of 2 - 3 days weekend not included. I was also told I may not receive the card until Monday, XX/XX/2020 although the charge was notated fraud. As of today, I will be at home during a Pandemic with XXXX young children ages XXXX and XXXX XXXX without access to my money. What is something was to happen and I need to go somewhere? I will not have any money. I do not have family members in the State that I reside in. I would like for USAA to change their Policy especially with a case such as mine and others. I feel that the Card should've been Overnighted and the members should be able to receive it the next day. This Policy that USAA has needs to be changed immediately. They have done this to a lot of family members and myself. I've served in the U. S. XXXX and have been a member with USS for XXXX years and after this, I will be cancelling my membership with them.
Consumer complaint received 2019-03-25
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. (CA)

There is a 30 day late that Transunion will not remove from my credit report as of XX/XX/2017. My divorce decree filed XX/XX/2017 states the residence is awarded to my ex husband, therefore mortgage payments were NOT my responsibility as of that time. They were his responsibility and the home was awarded to him and he was paying the mortgage. I was not living in the home nor was I responsible for mortgage payments. I had moved out of the home XX/XX/2017.
Consumer complaint received 2021-10-22
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. (TX)

XXXX XXXX XXXX. We leased a XXXX XXXX. When the lease was ending we got the pay-off and it was for XX/XX/XXXX. We paid it off ( which XXXX states we received your payment of {$11000.00} on XX/XX/XXXX ) and figured that was that. However, in XXXX we found out they were marking our account delinquent which made no sense as they had our {$11000.00} since XX/XX/XXXX. Even charged us some kind of tax we paid in full AFTER we paid off the car. XXXX - XXXX Account Manager XXXX reached out to me from XXXX and said there was some paperwork we had to sign to get the title. I asked if our credit would be cleared up once completed and we were told yes. However, they never cleared it up and are refusing to still clean it up. We were NEVER late, in fact, they owed us a refund after it was all said and done. They owed XXXX money. 

Experian has not reviewed the verifiable information that XXXX had our money in hand. If there was an issue... XXXX should have sent us back OUR money and that would have alerted us there was an issue. They did not give us back OUR money NOR did they inform us of any issues. As soon as we were aware there was an issue XX/XX/XXXX ( Friday ) we returned the paperwork XX/XX/XXXX ( Monday ). There were no late payments. XXXX- when I spoke with her - assured me once they paperwork was filled out - our credit would be corrected. We asked multiple times ( through their " Secure Messages that are no longer " accessible '' nor can you see any YOU send ) about them fixing our credit and that XXXX assured us they would fix this. On top of that they had to pay us monies BACK ( over {$300.00} ) and probably actually owe us more. I wonder if it was legal for them to charge us additional amounts AFTER they took our {$11000.00} that we *also* paid for some kind of tax on the car.
Consumer complaint received 2020-11-06
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: EQUIFAX, INC. (NV)

These accounts listed are not my accounts. I was a victim of identity theft. I have provided my correct personal information and I am submitting my personal documentation. I can assure that I am not a credit repair company and or a mortgage company. Please remove those bad items from my reports. Thank you.
Consumer complaint received 2020-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (NJ)

I have a mortgage with PNC Bank on a property that requires flood insurance ( through FEMA 's NFIP ). According to several representatives of PNC, the flood insurance is required by law to be escrowed. Each year the premium is due, there has been issues with it being paid correctly by PNC. 

The National Flood Insurance Program policy expires on XX/XX/XXXX of each year. I received a letter on XX/XX/2020 ( confirmed by USPS ) from PNC dated XX/XX/2020 stated : " Your flood insurance policy with National Flood Insurance was scheduled to expire a short time ago. Since we did not receive a bill or renewal notice from them, and did not hear back when we tried to contact them, we paid a premium of {$730.00} to ensure your coverage continued. '' I got a letter from FEMA ( dated XX/XX/2020 ) stating that my policy had expired and that the premium had increased to {$740.00}. 

PNC was very negligent in waiting until the last day of the policy to notify me that they were having issues getting a bill from FEMA. By the time I even got the letter ( over a week later ), the policy had already expired and it was too late for me to do anything to prevent a lapse in coverage ( exposing me to significant risk ). 

What is also very troubling is that a major institution like PNC claiming they are having issues getting a bill from the NFIP. Surely PNC has numerous other customers with NFIP policies ( since they require these policies to be escrowed ) and should know by now how to get in contact with NFIP and/or to get something as simple as a bill. Ultimately the policy was reinstated but at a lower coverage amount d
ue to the partial payment ( {$730.00} vs. {$740.00} ) made by PNC from my escrow account. Fortunately the lower coverage amount is adequate but this could have exposed me to even greater risk if the new coverage amount was significantly lower.

This is the second time I have had this issue with PNC ( the first time costing me several hundred dollars ). When I contacted PNC through the phone number listed, the representative was very dismissive of my concerns and did not take any responsibility on PNC 's behalf in regards to their mistake.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2022-06-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (PA)

They call all day!! Multiple times a day at times and sometimes back to back. They use different numbers to call during the week, with local area codes, but all numbers come up as CBE Group. 

I spoke to someone there and told them to remove me from the list and they still keep trying to call me. I have to constantly be disturbed during work hours and at home due to how often they call. 

They just keep telling me that they took over a debt and I needed to pay them. No amounts, etc.
Consumer complaint received 2021-10-22
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. (CA)

I noticed that Equifax is reporting one inaccurate negative item in my account from XXXX, one inaccurate negative from XXXX, two inaccurate negatives from XXXX XXXX  , two inaccurate negatives from XXXX  XXXX, and two inaccurate negatives from XXXX XXXX XXXX All negative accounts are showing that I have several chargeoff accounts that have a balance on them. This is completely inaccurate. I already contacted the Credit Bureau and the Creditor regarding it but they did not give a response on this particular matter. I need your help on this matter.
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. (NC)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-07-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

I know that the cfpb is well aware of portfolio continued illegal debt collection practices and consumer reporting violations. Well they are still at it. 

I pulled a copy of my credit report because I am planning to purchase a home and notice Portfolio reporting multiple times with different account numbers on my credit report I wrote to them and this is what I requested " I requested verification/validation of the alleged debt and specifically request a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Note : a billing statement, notice, or any unsigned document is not verification of the alleged debt '' All they sent me was the same documents I asked them not to send me, billing statements that anyone can create themselves, the billing statements of the companies they sent I do not recognize none of the documents they sent have my signature and the letter they sent with the fake billing statements said that they should not be collecting on the debt because it pass the statue of limitations. Yet when I pull a recent copy of my credit report I still see them there. Having the debt report on my credit report is a form of collection.
Consumer complaint received 2022-06-15
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 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 2018-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I set up 4 accounts for my children, 2 youth savings and 2 youth spending. I transferred funds from the same bank into the new accounts. I have only had access to one youth spending and 1 youth savings. No statements were provided online or USPS. The original transfers took place on XX/XX/2017. I have spent over 40 hours on the phone with the banking institution and they still have not resolved the matter. We are missing a total amount of {$950.00}. Over the last year of numerous phone calls the bank has informed me that the money that was transferred has been spent and the account is now closed. I have a claim number and proof of transfers. Per federal guidelines I am understanding that some type of statement needs to be delivered and or I need to have access to a minors account which I have not. The banking establishment is USAA.
Consumer complaint received 2024-02-28
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. (KY)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. 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 2021-11-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (CA)

I openend an account with Binance US to purchase XXXX ( XXXX ) When I try to withdraw my funds, they keep saying the funds are not available and are on hold for 10 days. This keeps happening. They are holding my money hostage.
Consumer complaint received 2022-08-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (AZ)

I was scammed few months ago and been trying to get my money back from back and XXXX XXXX. How it happened was through bitcoin. I sent the money from my bank to XXXX XXXX then buy bitcoin and finally send it to their wallet ID
Consumer complaint received 2019-03-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I initially contacted Bank of America ( BoA ) on XX/XX/XXXX regarding a disputed charge that a vendor acknowledged I previously paid but could not refund the charge immediately. The charge was to my local electricity company for {$500.00}. The vendor admitted that this charge was made in error, but I had to pay them in the immediate to turn my power back on. I know that BoA did not contact the vendor because I've spoken to the vendor numerous times since and receive confirmation that BoA did not contact them. The vendor recommended I file a dispute with my credit card company ( BoA ) as this was the quickest way to resolve the issue. On XX/XX/XXXX, BoA asked for additional documentation about my claim and a signed letter from me instructing them to continue to investigate. I was given the deadline of XX/XX/XXXX. On XX/XX/XXXX, I completed the required paperwork and documentation and saved an electronic copy on my computer for upload via BoA 's portal. When I logged in, BoA has disabled the upload function 5 days prior to the stated deadline. I immediately contacted BoA in order to request this be re-opened. I reached a customer service agent and was assured the portal would be re-opened the next day. It was not. I then contacted BoA three more time that week with the same outcome. I was then told my claim was closed and would not be reimbursed ( although my ability to provide documentation was denied 5 days prior to the deadline ). I have seen talked to BoA three times and they have repeatedly been hung up on and denied any assurance that my claim would be re-opened. I faxed my documentation to BoA and still have not had my claim re-opened. I am 12 days away from my payment due date and this charge has still not been removed from my account because BoA has unfairly made it impossible for me to provide additional documentation about my claim. I have attached the paperwork and documentation BoA initially asked for to this complaint. I just need them to re-open my complaint and actually communicate and investigate.
Consumer complaint received 2019-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KS)

USAA refused to do business with me as a result of my misconduct that was not related to USAA banking in any way. There advertising now says that they are open " TO ALL MILITARY MEMBERS WHO HAVE BEEN DISCHARGED WITH AN HONORABLE DISCHARGE '' I meet that criteria for membership however I am still blocked from USSA products. 

USAA must allow me to resume my membership as I fit their stated membership requirements and allow me to use all products that are provided to others. To not would be false advertising.
Consumer complaint received 2019-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CT)

Ditech Financial got our XX/XX/XXXXXXXX tax form completely wrong and has not sent us a corrected version. 
A few days prior to XX/XX/XXXX, I submitted a request to have our XXXX corrected on the ditech website. The XXXX does not have the correct tax amount paid. Our taxes are approximately $ XXXX, box 10 shows {$1500.00}. Box 7 is not checked and the address associated with this mortgage is and has always been our only and primary residence. 
On XX/XX/XXXX I get an email response that a ditech customer service rep will be contacting me. That is the last communication I have received from this company. 
I repeatedly checked the website to see if they had posted an updated XXXX but they had not. 
Now they have sold our mortgage to another company and the ditech account is closed. This mean I can no longer access the documents I need. How am I supposed to do my taxes when this shady mortgage company can't get tax documents correct and has abysmal communication practices.
Consumer complaint received 2022-06-15
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: Experian Information Solutions Inc. (TX)

When reviewing my credit report I notice that this inaccurate information is still in here, there are inaccurate late payments that I would like to get rid of. These late payments is hindering my life I find it hard to get approved a housing loan and even an auto loan. I am requesting you to please remove the late mark then correct and update the history to never late.
Consumer complaint received 2019-03-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (MI)

I am trying to reach my mortgage company to find out how much I would need to pay off in order to have the PMI removed from my loan. 

After trying multiple times through the website 's XXXX XXXX XXXX " Contact us '' email feature, on XX/XX/XXXX I called a phone number I received on a refinance mailing from my mortgage company Lakeview Loans. The number was XXXX. They quickly told me that for my issue I actually needed to deal with the loan servicing company and they gave me a new phone number to call XXXX. I called this number and spoke with a " XXXX '' possibly " XXXX '', she told me that I needed to submit a request through the company 's website. As I had already done this on multiple occasions I told her that wasn't going to work, and asked for an e-mail address to send to. She provided me with XXXX. Upon e-mailing this address I received a confirmation of my e-mail and a ticket number and a statement that it could take up to 5 days to respond and that my issue was being sent to the " escrow '' department. I waited one week and on XX/XX/XXXX, after no response, I e-mailed them again and received the same response, and same ticket number. I waited yet another week and again tried to contact them through the website, with no response at all. 

Every month that I have PMI is costing me {$90.00}.
Consumer complaint received 2022-08-15
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)

There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items : Late Payment XXXX # XXXX XXXX XXXX  # XXXX XXXX  # XXXX Collection XXXX/XXXX  # XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX  XXXX # XXXX XXXX  # XXXX No Category XXXX # XXXX
Consumer complaint received 2022-06-15
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: EQUIFAX, INC. (TX)

When reviewing my credit report I notice that this inaccurate information is still in here, there are inaccurate late payments that I would like to get rid of. These late payments is hindering my life I find it hard to get approved a housing loan and even an auto loan. I am requesting you to please remove the late mark then correct and update the history to never late.
Consumer complaint received 2020-12-15
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: Self Financial Inc. (NJ)

In XX/XX/2019 XXXX added inquiries on my credit report per XXXX XXXX. These inquiries were not authorized in writing by me. These inquiries were disputed and unsuccessful removed by the credit bureaus. According to the FCRA, XXXX has violated my rights as a consumer And Im requesting legal action to remove these inquiries.