davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-19
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 (MA)

For about ten days prior to XXXX, I was attempting to use my USAA VISA Signature card for both on-line and in person purchases. It was rejected several times so I used another credit card. I thought there may have been errors in entering the card information or system overload during the busy and was in a rush to complete my holiday shopping. I finally called USAA customer services when I received notice from another one of my vendors that my card had again been rejected. When I finally reached customer service, I was told that there was a fraud alert on my card. I then asked why I was not advised of this alert and was told that, according to their records, I had been called by USAA. When I replied that there was no evidence of any call because there was no voicemail on my land line phone and no record of any call or voicemail from USAA on my XXXX. Nor were there any texts or email alerting me of this situation on my phone, XXXX  or email account, all of which USAA has access to. When I explained the foregoing, they said I was mistaken that according to their records I had definitely been called, but they refused to give me the number they supposedly used to reach me.. I find this treatment unfair and unacceptable particularly in light of the fact that USAAs customer base is veterans and their families.
Consumer complaint received 2017-10-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC (CA)

Westlake Financial is trying to collect on a debt that was paid off in a sale of the vehicle that I voluntary gave back due to them asking me a lemon. They are reporting this on my credit report and I am just now see it on my credit report four years later. It is pass the Statue of limitations for the State of California. 
The amount they are stating I owe is {$630.00} For 2012. For a XXXX XXXX XXXX.
Consumer complaint received 2019-03-04
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. (NJ)

Two years ago a doctors office spelled my name backwards on their bill for {$360.00} and the insurance company denied the claim. Before we could figure out what the issue was the claim was sent to a collection agency. The issue was eventually identified and the insurance company paid the claim. The billing company told us they would request that the collection agency delete the collection account from my record. This was never done. Last month we applied for a mortgage and were denied because of this issue. We were told that our application could be resubmitted only after this collection account was deleted from my account. We filed disputes with the three credit bureaus on XX/XX/19. Within a week Trans Union and XXXX came back to us and said that the collection was valid and did not update my record. We then spoke with the collection agency directly. They submitted a request to the three credit bureaus to remove the account on XX/XX/19. XXXX processed the request and removed the account two days later. Trans Union and XXXX did not. I spoke to representatives of both companies on XX/XX/19 who told me that they never received the update from the collection agency and to file another dispute. I did so and again XXXX refused to update my account. I spoke to an XXXX representative on XX/XX/2019 who said that the issue is that the collection agency never sent the request to delete the file. I spoke to the collection agency again today XX/XX/19 who confirmed that they did indeed send the update to XXXX  and Trans Union and the issue is with the credit bureaus. No one at the Credit Bureaus is willing to help us and we are running out of time given our rate lock period with the bank. Obtaining a mortgage at a different bank will cost us an additional {$10000.00} in interest over the course of the loan.
Consumer complaint received 2017-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (OH)

My data and my wife 's data was hacked at Equifax, their fault not mine. I have registered my SS # and have the service set up. I started trying to get my wife registered on XXXX XXXX through their web site. Nothing happened so I called Equifax, at the phone number in their email to me, it was busy several times, finally told to call another number. Equifax will not accept my wife 's data to activate the service because we have the same phone number and email address. Now they are pointing me back to the phone number I started at.
Consumer complaint received 2016-12-22
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (CO)

I have been receiving numerous calls from Synchrony Bank from XXXX XXXX to XXXX XXXX. They are calling 20 plus times a day. I have repeatedly asked them to stop calling and have explained to them that I will pay them when I have money. I have asked for a cease and desist notification to be put on the account under my social security number and they stated that they will notate the account and then 5 minutes later they call back. I have advised them that the account should be notated and that they need to stop calling.
Consumer complaint received 2017-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

On XX/XX/XXXX, I paid off US Bank Mortgage XXXX in full. The escrow balance was {$1800.00}. On XX/XX/XXXX US Bank Mortgage debited my US Bank Checking account for a XX/XX/XXXX payment of {$1300.00}. I received a refund of {$1300.00} on XX/XX/XXXX but nothe the escrow refund of {$1800.00}. I made a call to customer service the week of XX/XX/XXXX and was told the US Bank would not issue a new check for the escrow for 30 days. According to the contract the escrow refund is due to me within 20 business days of the mortgage payoff. I again attempted to request an immediate refund of the escrow on XX/XX/XXXX via a call to customer service. The customer service agent and supervisor refused to initiate a refund of the escrow funds to me, citing it was their policy to not issue new checks for at least 30 days. Further it would take 10 or more days after the request was initiated before the check would be issued and sent and I would need to call on or after XX/XX/XXXX to make the request. 

In addition I have notified US Bank Mortgage Escalation Center of this issue by US mail and included a copy of this complaint.
Consumer complaint received 2015-06-05
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (FL)

My name is XXXX XXXX and I have a personal line of credit with Sam 's Club. I had an available credit balance of {$1000.00}. I paid my bill and an additional {$75.00}. After I paid my bill, Sam 's Club lowered my credit balance to {$800.00} leaving me to be over my limit by {$23.00} ; which has now negatively affected my credit. I have not missed a payment and when I called to resolve the issue, they did n't bother to give me a reason. I was told that the boss did n't take calls.
Consumer complaint received 2016-04-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (NV)

I work for the XXXX. This collection agency is constantly calling my office phone as well as my work cellphone trying to contact a person that I have never heard from. I have explained this to them several times both in person and by leaving messages. The last time I spoke with someone there I again explained that there is nobody here by that name and to please remove both of the numbers from their call list and that these are XXXX business numbers. While explaining this to the agent she was giving me attitude and humming " mm-hmm '' and when I asked if she did n't believe me and told her I was going to file a complaint she hung up on me. The phone calls continue and every night when I come in to my office there are messages from this agency, sometimes 3 to 4 in one day.
Consumer complaint received 2017-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (CA)

I am a victim of ID theft, I have tried to deal with this company but they refused to reply to me. 
I request a block of this account according to XXXX code XXXX XXXX of information resulting from identity theft ( XXXX XXXX ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than XXXX XXXX XXXX days business days after the date of receipt by such agency of : Beginning ( XXXX ) business days after receipt of information described in paragraphs ( XXXX ) through ( XXXX ) of subsection XXXX a ) a check services company shall not report to a national consumer reporting agency described in section XXXX XXXX p ), any information identified in the subject identity theft report as resulting from identity theft.
Consumer complaint received 2015-08-09
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Transunion. I did not authorized anyone employed by this company to make any inquiry and view my credit report.XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
Consumer complaint received 2019-03-04
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: Bread Financial Holdings, Inc. (CT)

I have been trying to reach out to this credit card company about my dispute that was made back in early XX/XX/2018. The credit card is through XXXX XXXX and is issued by XXXX. XXXX handles all their customer service support and XXXX XXXX is behind the scene, with no way of reaching them. After I filed a dispute, they did not provide a provisional credit, therefore, the interest on the balance continued to increase, therefore, I ended up paying my balance. A month later they asked for additional information via mail, which I responded via mail. I have constantly been reaching out for a status and they just continued to say they were working on it until today, XX/XX/XXXX, I get an internet response on my follow up question, stating that they did not receive any additional information that was requested. It is now almost 5 months later, and I am at a loss with my money. This is {$270.00} plus the interest that had been tacked on. 

I had a trip to XXXX for XX/XX/XXXX through XX/XX/2018. We received a car from a rental company that continuously stalled on the roads during our first day of receiving it, therefore, was unable to use it. I am also going to mention that we received this car later than our requested time due to the car not being ready and shuttle pick up problems. We returned the car the next day upon their opening and was asked to wait a very long time for the new car to be provided to us. We booked the car for XX/XX/XXXX-XX/XX/XXXX. We ended up not accepting the next car due to the long wait and the wasted time that it caused us and booked through another company. Essentially, we did not get to use the car rental services at all because of this problem. I asked them for a refund and it was refused by the very rude XXXX. I am still pending status on this dispute with my credit card company until this day.
Consumer complaint received 2020-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-12-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation (GA)

The keep calling someone who has asked them to stopped, they call a lot on every phone and leave 2 messages on each phone. I have tried working with them but they will not work with me. The final straw was when someone I knew went to pay on their loan and the manager, XXXX, was nice enough to tell him that i was behind and I needed to come pay him or he was going to come to my house. The person he told this to is not a significant other either.
Consumer complaint received 2017-03-02
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (NJ)

I find it deeply concerning, while making amends to my bad credit due to a loss of my job in XXXX, that I am unable to obtain a lender 's blessing for a mortgage! Posted all over the internet are the claims of obtaining a mortgage even with bad credit! After 4 different applications no one is willing to give me chance!! XXXX receive second chances or even more regardless of their past behavior. Why ca n't I obtain a First Time Homeowners mortgage after a ONE time issue in my life with credit that was n't my fault? Please tell me who will give me a mortage with my credit?
Consumer complaint received 2016-08-29
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP (CA)

On XXXX XXXX, 2016, I learned that the US Bank FlexPerks Travel Rewards Visa Signature card and the US Bank FlexPerks Business Edge Travel Visa Signature card had a special promotion for the XXXX 2016 Olympic Games in which new cardmembers would earn a certain number of FlexPoints depending on the number of medals won by the US Olympic Team. The link for the promotion is found here : XXXX In short, each card offered a XXXX FlexPoints Enrollment Bonus for spending {$2000.00} within the first four months of account opening, as well as XXXX Bonus FlexPoints based on the number of metals Team USA won at the XXXX 2016 Olympic Games this month. 
I have been waiting for this promotion for years, as I have wanted the US Bank FlexPerks Travel Rewards cards for myself personally as well as my business, but I wanted to wait for the Olympics promotion. As soon as I saw the promotion, I applied that night, and was approved later the same week. For the personal card, my friend asked if I could use his referral code, so I thought I would help him out since he would get XXXX FlexPerks and I would get my XXXX Enrollment Bonus plus the yet-to-be-determined number of Bonus FlexPoints for the Olympics. 

After the Olympics ended, I had already completed my {$2000.00} spend on each of the XXXX cards. I saw that the XXXX Enrollment Bonus points had already posted, but nothing from the Olympics had posted. 

I then emailed US Bank and asked to confirm that I would receive the Bonus FlexPoints from the Olympics. 

The response I received was this : " Our records indicate that this account was not applied with the Olympics promotional offer. In addition, you are not able to combine offers. Therefore, you could not apply with a Refer-a-Friend offer and the Olympics promotion. Therefore, you will not earn bonus FlexPoints for medals won by the United States at the 2016 XXXX Olympics. Please contact us again if we can be of further assistance. '' I feel very disappointed and slighted out of the bonus I had been patiently waiting years for and had rightfully earned based upon the promotional terms, which do not state that Refer-a-Friend applications are ineligible. I feel that I am being punished for using my friend 's FlexPerks number in my application in order to give him XXXX Bonus FlexPoints, and of course my friend feels terrible that he caused me to miss out on XXXX Bonus FlexPoints myself.
Consumer complaint received 2022-09-08
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. (MD)

Experian continues to report false information on my account. There have be several attempts to clear the errors on my report, but Experian has a generic response of " been verified through third party '' The third party is XXXX and I have contacted this company and Experian hasn't done any investigating of any errors. Experian is showing a bankruptcy on my file but no other bureau has this. Where is the information coming from? Also there are multiple variations of my name on file with Experian. I only have one legal name. The last 4 digits of my social on Experian is wrong. The information is incorrect but yet Experian continues to post these errors on my report.
Consumer complaint received 2018-03-23
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PERDUE BRANDON FIELDER COLLINS & MOTT LLP (TX)

Company shares debt information to our bank for properties in which the bank had no interest, in effort to defame and or attack our character. We had attempted to set up payment agreement, with tax office which did not or was unwilling to make arrangements. We had paid XXXX on our debts. The bank was given personal debt and business debt information that was not related to them in any shape or form. 
The letter that was received by the bank also had a cc remark as to deceive the bank into thinking we received a copy of their letter, which was not.
Consumer complaint received 2017-07-07
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: Experian Information Solutions Inc. (NJ)

I have over 15 Inquiries that were not authorized by me. I have reached out several times in reference to the inquiries and it seems like I am going in circles and I would appreciate some assistance, Please! I have also added a fraud alert on all three credit bureaus for a third time. customer service would not help and take care of the negative inquiries reporting to my credit report.
Consumer complaint received 2017-10-02
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: BMO Bank, N.A. (IL)

A company called XXXX XXXX has been charging my credit card unauthorized {$19.00} per month for a service that I did not sign up for. This has been going on for 9 months ; the amounts were small, and I do n't often check my account online. The bank would only go back 90 days, so only XXXX of the XXXX charges will be reversed. All of this activity is fraud, and should be reversed.
Consumer complaint received 2016-08-26
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (LA)

I obtained a copy of my credit file around XXXX 2016 and filed a dispute through the credit bureaus against XXXX XXXX XXXX and Nissan Motor Acceptance. Once bureaus investigation was completed it came back the information disputed with XXXX XXXX XXXX was verified, no change and Nissan Motor Acceptance as new information. In receipt of this information I sent XXXX and XXXX a letter of stating : This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
XXXX XXXX XXXX than replied with a letter saying they received my dispute for verification and to be advised that XXXX XXXX XXXX confirmed the name and address listed on the account as well as the amount due. Nissan Motor Acceptance has not responded to my request.
Consumer complaint received 2018-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MN)

I have not requested a credit card since XXXX and I have never tried to get a credit card from XXXX ; XXXX ; XXXXXXXX XXXX ; XXXX XXXXXXXX XXXX ; XXXX but they are on my credit report with multiple dates of request. 

Also, there are multiple dates in XXXX where XXXX, XXXX, and Experian did credit checks on me. For what I have no idea because I have not attempted or made any purchases that would require this type of check.
Consumer complaint received 2017-12-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Independent Recovery Resources, Inc. (NY)

XXXX XXXX XXXX is continually attempting to collect a debt for a man named XXXX XXXX ( not sure how to spell his last name ). 

I have been receiving phone calls for well over 2 years regarding his debt. I have spoken to this company approx 50 % of all calls made to me and i have repeatedly told them that i do not know who this man is, i am not associated with him ; i have even gone as far as speak to a supervisor and gave them MY information. 

I have heard every excuse for a solution " we will remove your phone number '' " oh the phone number you are giving me is not on his account '' .... how else am i being contacted then? 

I have full access through their automated system to this man 's personal financial information, and as i have advised this company on numerous occasions, is illegal for me to access, but they are continuing to give me access. 

When phone calls are made, i try to use the auto system to say i am not this man. i still receive phone calls. If i go through the system to speak to a representative, i have full access to this man 's debt information. 

I have contacted them directly, and nothing is being done about this matter.