davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

On XX/XX/2019, I received a XXXX Payment of {$350.00} from XXXX. Funds were instant and all was well until XX/XX/2019. There was an unrecognized charge of {$350.00} labeled as Misc Debit. I assumed this was a XXXX payment reversal so I contacted USAA to fill out a research form to provide me more information it as there was no information on the charge. 

I let time pass and I accepted my loss and had moved on, however recently I wanted to understand what the charge was for so I contacted USAA on XX/XX/2019 and started a call with them at XXXX XXXX  EST. The rep was very kind and assisted me in getting senior specialists to assist in determining what the cause of the charge was. They spoke with their executive big boys/gals and they stated that they were not able to determine the cause of the payment debit other than related to a transfer. They stated if it had been a XXXX  reversal it would be stated as XXXX reversal. Informed that in order to look into it further I would have to get a court-order subpoena to have execs provide internal information as to why my account was debited {$350.00}. 

So here 's the bottom line, USAA admitted that it was not a XXXX payment reversal. Stated that there were no disputes received in regards to the XXXX payment of {$350.00} and that they're unable to provide any further information as to why my account was debited {$350.00}. I do not wish to classify this as an unauthorized charge, but I would allege that it is until USAA is willing to provide accurate information. I trusted USAA to protect my assets and at the drop of a hat {$350.00} poofs and 0 explanation can be given. 

USAA is a great company overall when it comes to my banking needs and would not choose another bank, but the future looks grim if they lose track of their customer 's finances.
Consumer complaint received 2019-07-06
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: EQUIFAX, INC. (TN)

As background, I authorized a fraud alert on Equifax, XXXX and XXXX on XX/XX/2019. On XX/XX/2019, I received notice that I had a hard inquiry against my Equifax report from XXXX XXXX, initiated on XX/XX/2019. I did not authorize this credit application. 

Upon contacting XXXX card service on XX/XX/2019 via phone, the department 1 ) did not demonstrate any evidence that they took measures to verify the identify of the individual trying to obtain credit under my name ; and 2 ) refused to resolve the matter. This is particularly frustrating, as I contacted the company immediately, prior to any issuance of a credit line. With XXXX ' lack of action, the fraudster could act on a credit line in my name before I can resolve the issue. 

I contacted Equifax on XX/XX/2019, who took additional measures to verify my identity, and then began its internal dispute process, which is ongoing. 

This complaint is against XXXX, who ignored an existing fraud alert when it served the purpose of issuing credit and selling a product, but refused to aid a consumer when an identify conflict arose. This is unacceptable behavior in any context. Given that I am currently in the process of purchasing a home, and so can not freeze my credit to keep me safe, this is even more impactful.
Consumer complaint received 2019-07-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Global Lending Services LLC (PA)

I have been in this auto loans deal since around XX/XX/XXXX ( estimated ) I was to give a XXXX  down payment deal completed. I signed the paperwork agreed with the term received my first date to make a payment nothing misleading from the dealership. Im calling the bank to make a payment the bank tells me there is nothing on file. I call the dealership the bank then tells them they need more of my information or the dealership will not receive payment. I spoken to the was again told to call the dealership at that point I was told they had to resubmit it again to the and the need my same information again in which I leave my Job early to resubmit the documents a second time and sign another contract with another payment date. I called the bank on XX/XX/19 to confirm my information and was told that I should be receiving my welcome letter in the mail and I was all set, So now again we are in XX/XX/XXXXafter I spoken to the bank. they ( the bank ) telling the dealership that I have to submit more and more and more of my information or they will not pay for the car and I would have to bring the car back. I seems every month or week that are asking for more more information relating to the same documents. Its never ending and on going so this situation has been lasting since XX/XX/2019 to present. Now they are telling even thought they have my paystub proof of my job depositing my paycheck into my bank account even though they have my paystubs, ssi award letter now they also asking for that proof of ssi deposit again. 
I am a single mother whom has severely XXXX  children as well as an elderly sickly mother who Im a XXXX XXXX  also this is causing stress on our family ...
Consumer complaint received 2019-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: COMMUNITY FINANCIAL SYSTEM, INC. (PA)

I have contacted community bank regarding the validation of this debt and the accounting in question. I reached out to the collection manager, XXXX XXXX and I have not got a response, I have requested an original consumer contract not a photo copy and they failed to provide an original consumer contract with my signature and another signature by community bank they just provided me with photo copys, they stated that XXXX and XXXX are the ones handling the account I called and spoke to the president at the headquarters office located in XXXX New York & I was told to stop calling and stop mailing the about the account and they stated they have no business with me. By federal law a contract is binding with 2 wet ink signatures. I do believe the account is fraud because I did not give authorization without my permission to withdrawal from my account of treasury. They assured me they are not longer handling the account but they are still reporting to my credit account as delinquent.
Consumer complaint received 2019-07-06
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: CITIBANK, N.A. (TN)

As background, I authorized a fraud alert on XXXX, XXXX  and XXXX on XX/XX/2019. On XX/XX/2019, I received notice that I had a hard inquiry against my XXXX report from XXXX XXXX, initiated on XX/XX/2019. I did not authorize this credit application. 

Upon contacting XXXX card service on XX/XX/2019 via phone, the department 1 ) did not demonstrate any evidence that they took measures to verify the identify of the individual trying to obtain credit under my name ; and 2 ) refused to resolve the matter. This is particularly frustrating, as I contacted the company immediately, prior to any issuance of a credit line. With XXXX ' lack of action, the fraudster could act on a credit line in my name before I can resolve the issue. 

I contacted XXXX on XX/XX/2019, who took additional measures to verify my identity, and then began its internal dispute process, which is ongoing. 

This complaint is against Sears, who ignored an existing fraud alert when it served the purpose of issuing credit and selling a product, but refused to aid a consumer when an identify conflict arose. This is unacceptable behavior in any context. Given that I am currently in the process of purchasing a home, and so can not freeze my credit to keep me safe, this is even more impactful.
Consumer complaint received 2019-07-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IN)

I have been trying for over a month with my wife to open an account for our son with XXXX XXXX   so that his SSI checks can be deposited.

We have submitted information, personal information, such as the award letter and an application with no phone call from the department only an email asking for information like where my son works ( he is XXXX! ). 

We have called multiple times and also tried online chat but no one can give us answers. We provided the information needed and they are asking things like where we want the account funded from, we have several accounts with USAA and our HOI and Auto Ins as well as life and a personal insurance policy, I mean we are not known to USAA?? Or valued enough for someone to pick up the phone? 

We are told that the department that handles representative payee checking accounts does not " take calls '' but the department who is trying to figure out the issues can not see our documents we sent. 

How do we do business like this??????????????? 

Its not acceptable or fair to our son ( XXXX XXXX XXXX ) to be treated this way.
Consumer complaint received 2019-07-06
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

IN MY PREVIOUS COMPLAINT I REQUESTED MY MORTGAGE STATEMENTS FROM XX/XX/2018 THRU XX/XX/2018 SINCE I NEVER RECEIVED THEM. I WANT THE ORIGINAL PAPER MORTGAGE STATEMENTS NOT COMPUTER GENERATED STATEMENTS. IF THIS IS ALL THEY, RE OFFERING I WILL LODGE ANOTHER COMPLAINT.
Consumer complaint received 2019-07-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have been a victim of credit fraud where someone gains access to my credit information and open credit cards in my name, maxing them out and leaving those account to be in collections. I have reached out to the credit bureaus and tried on many occasions to have this issue disputed but they were no help. I even mail a letter of my complaint to each of the following bureaus XXXX, TransUnion, and XXXX  and I did not receive and follow up from any of them. I was recently contacted by a collection agency who arrested me into paying {$1400.00}, tell me that if I paid this amount they will forgive this debt and clear my credit account, but upon accessing my free credit annual credit report I realized this agency took my money under false pretense, with false assurance that all am seeing on my report will be taken care of and my credit file will now be protected.
Consumer complaint received 2023-03-20
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: EQUIFAX, INC. (NJ)

On XX/XX/23 I submitted a dispute to the credit reporting agencies to validate and send physical evidence such as a signed contract by me or signed agreement between the accounts reporting. The following accounts are XXXX XXXX and XXXX XXXX. They have not produced such documents verifying these accounts to me. Please see attached letter. As per 15 US 1681 ( e ) ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. the are non compliant and negligent with the information they are producing on my behalf.
Consumer complaint received 2019-07-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (TN)

Specialized Loan Servicing continue sending me notices encouraging me to contact them to discuss possible loss mitigation options. 
Document #! dated XX/XX/2019. 
Although SLS says that they are not sending me foreclosure notices, this letter is the first of many notices to follow that will include foreclosure notices. 
I am not delinquent in payments. I surmise that because SLS has a carrier to pick up their mail because payments are sent to a XXXX   XXXX number XXXX, mail is late posting. 
My scheduled payments are timely, however when you have a carrier delivering mail it may be late receiving. 
I want SLS to put all my correct information in their main frame. Neither department knows what the other department is doing. I have response letters dated XX/XX/2019, from XXXX # XXXX, XX/XX/2019 from XXXX # XXXX, XX/XX/2019 from XXXX # XXXX, then a letter of mortgage delinquent notice dated XX/XX/2019. 
I tried to call XXXX and XXXX at XXXX giving their ID numbers and was told that their was no such person in the company. 
Loss mitigation, escrow, loan servicer, LPI, hazard insurance, mortgage loan, analysis, foreclosure sale, customer care support, and any and all other service departments needs to get into each and every main frame and correct my account information. 
From each and every correspondent they maintain that I never sent the ( elephant in the room ) declaration page XXXX proof of insurance. Which is a bold faced lie because I sent the same document of proof to you and to them several times throughout this process. Even the 3rd party XXXX sent the document. I sent payment XX/XX/2019 {$770.00}, XX/XX/2019 {$770.00}, then received a letter from SLS about a reduction adjusted to my account for the month of XXXX. 
If I'm behind as SLS maintains why did I only have to pay {$400.00} for my XXXX ( money dated XX/XX/2019 {$450.00} ) payment? SLS also sent me a refund check. 
I'm demanding that SLS correct every departments main frame as it relates to account # XXXX. 
Sincerely yours, XXXX XXXX XXXX
Consumer complaint received 2019-03-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Finance of America Mortgage LLC (CO)

I received a supposed line of credit from finance of america and the changed the terms from XXXX % to XXXX   %, the origination fee was to be prorated as money was pulled, they changed it to a hard loan with paying interest on the full loan amount, not money being used. The agent I was dealing with is XXXX XXXX XXXX. I did not close at a title company so they explained the documents. they sent out a notary who had a hurried next appointment who just had me sign sections, so I had no time to read the contract. 
pure fraud changing terms without notice.
Consumer complaint received 2019-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

With experian I have tried to talk to several people with no results. 
It begin when experian wanted my banking information and I refuse to give it to her and I notice from that point they went to messing with my credit score by gradually lowering it. 
Now they sure on me that I've always been late with payment which is untrue all of my payments is set up through the companies for auto draft!
Consumer complaint received 2024-02-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MN)

On XX/XX/2024, I was scammed by a person with the name attached to the files I linked. I had placed my XXXX equipment on XXXX marketplace for {$600.00}. I was sent a message with an offer to buy for the listed price and told me to mark as sold. I agreed to the offer thinking the buyer was ready to buy. Zelle was used to complete payment, the buyer had asked for information to find zelle account. Then was told money was sent with a screen shot showing now knowing they most have edited a document or we page showing it sent. The buyer then told me I had to send them {$300.00} to upgrade account to a business since it was over a set price. In the files listed, I have conversation of the scam and how I was forced to send money. Will provide any more details of needed.
Consumer complaint received 2019-07-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I was called by ARS, Account Resolution Services, agent " XXXX '' at XXXX XXXX on XX/XX/XXXX. I was already in a stressful situation as a company I am in good standing with debited my checking account and I was scrambling to resolve the issue of an overdraft. I informed her that I was unable to pay anything at this time due to not being employed due to XXXX for over a year, and now having this debit on my account that I was not expecting so I had nothing to spare anyone at this time. She then stated, " Well, if you have debits coming off your account already that is going to be us shortly. So, what are you going to do about it? '' This in my mind implied garnishment of my already dwindling savings as well as any money in my checking account. As my XXXX are aggravated by stress this did not help the already escalated situation. I was on the verge of rash behavior as it was, and this almost put me at the edge. I have sent a written letter to the company informing them of the agents actions, that fact that I am currently in the process of a XXXX claim with court date pending, and that due to the ramifications of that call all contact is to be terminated. The agent in so many words threatened me, and this has caused XXXX. I have not denied the debt, but at this time and until my XXXX hearing, I can not pay and I don't appreciate being threatened.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (CA)

in XXXX I asked this company to Validate the debt, They sent an itemization of charges which is not considered by law validation. I requested a copy of the original contract with my signature. This company failed to provide me with this request several times. The law 91-50 Title VI, section 611, Subsection A-D clearly states if i request proof I'm entitled to obtain a copy of it, which was NOT provided.
Consumer complaint received 2019-07-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Sokaogon Finance, Inc. (TN)

I applied for an emergency payday loan to pay my light bill. I was approved for {$300.00} on XX/XX/XXXX. It wasn't disclosed about high interest rates on this loan. The payments were set up by ACH each pay period for {$90.00}, which is every two weeks. I have made payments totalling {$420.00} as of XX/XX/XXXX. I am showing a payoff still in the amount of {$380.00} plus XXXX on my next pay date if I decide this.. If not this {$300.00} loan will be paid off after 14 more payments of {$90.00} totalling {$1300.00} This is Insane!!!. A complete Rip off!!!
Consumer complaint received 2024-02-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P. (NY)

Every single day they contact me 5 to 6 times a day all using different XXXX numbers. Every time I answer the phone they start threatening me telling me theyre going to take all of my assets away if I dont pay this debt, the debt that is reported I have no knowledge of dont know where it came from Magically it wound up on my credit report and now I owe them {$710.00} that I have no idea where it came from. When I tried asking them questions they kept arguing with me and getting aggressive so I kept hanging up the phone and blocking the numbers, but this happens at least 5 to 6 times a day.
Consumer complaint received 2019-07-06
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc (LA)

Notice this collection agency on my credit report wasnt aware of this. Stated I got loan on XX/XX/XXXX owe XXXX XXXX and XXXX dollars since XX/XX/XXXX. Since XXXX of this year been reaching out. Sent company a debt validation letter sent me a copy paste contact. Not a signature or dated signature, just computer copy and paste.
Consumer complaint received 2024-02-23
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. (NC)

Charter communications is stating I didn't pay off a cell phone installment when I left their company for another cellular company. This phone had to be paid off to unlock the phone from the carrier to be able to take it to a new company & get service on it. There would have been no way to get service on the cell phone without paying it off & unlocking it. I cancelled service in XX/XX/XXXX I received letter notice of debt from CBE group early XXXX, I immediately disputed online & NEVER received proof of debt. They called multiple times after my dispute to get payment and I told them each time that I requested proof of debt, it was never sent & that it is not my debt & I had email proof the bill had been paid. One employee had a conversation with me that SHE BELEIVED the bill had been paid, but there was nothing I could do to change that and they wouldn't accept my dispute and I just needed to go ahead and pay it. 
The company then sold my debt to another company in early XXXX, XXXX XXXX strategies, and this company reported the collection to my credit BEFORE the posted dispute due date, I have since disputed the debt online & still waiting for a response.