davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd ()

Very good afternoon friends, a cordial greetings to distinguished financial protection institution, I was a user of the service provided by the transferwise company, since due to the economic and political situation of my native country ( XXXX ) I had to emigrate to XXXX, from the services that this company lends ( transferwise ) it was possible to send and receive money from family and friends for monetary help, but from one moment to another my account was closed on XX/XX/XXXX of this year, freezing a balance of XXXX usd product of my savings and work, in the midst of this pandemic and the situation that I have at the moment my wife is XXXX and we will have our XXXX in XXXX XXXX willing and my XXXX XXXX is in college I feel very anguished and desperate. 
At the time of closing my account, this company gave me the option of requesting a refund of my money in its entirety, it turns out that on XX/XX/XXXX I received an email from an assistant of the wise company named XXXX XXXX where she told me not to They will make the refund, even so the status of the appeal says that my money was sent to my bank account of XXXX ( national currency bank in XXXX ) which I am the owner, they do not explain or give me any reason why they do not make the payment, I have made the complaint to their customer service email and they respond that they do not have access, my concern is that seeing the opinions of said transferwise company online there are many users who brand this company as scammers and abuses when withholding money. Please help me with this case, my financial situation and the responsibilities that I have make me desperate, my wife spends the day crying because we don't know what to do and that is not good for the XXXX that is in her XXXX. Please help me
Consumer complaint received 2021-02-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (MD)

I called Santander Consumer USA on XXXX regarding 2 ( {$400.00} ) payments that were applied incorrectly in XX/XX/XXXX. The bulk of the payments were applied to fees and not principal or interest as I was told. I've been informed several times by various Santander employees that the fees on my loan can be paid at the end of my loan without penalty. On XXXX.2021 I was told that the payments would be corrected and readjusted to apply to principal and/or interest within 5-7 days. I called back today on XXXX.2021 to check on the progress because from what could tell online this was not corrected. When I called today, XXXX2021 I was told that they weren't going to reallocate my payments. Because I paid above and beyond my normal payment they actually penalized me by applying funds to fees when that is not why I made extra payments. It's very dishonest especially since I was told that it would be fixed no problem when I called on XXXX.2021 ( they can pull the call recording ). This is very shady and dishonest business practices. I have every intention of paying my loan ( principal, interest and fees ) in full. However, I made extra payments to get ahead on the loan because of covid and we don't know what life is going to bring month to month. So it's horrible that during a global emergency Santander decided to take advantage of the little bit of extra money I had without my consent to fatten their pockets even more. Without regard to my personal situation. Horrible and I will not rest until they fix it and I believe there's a 3rd instance of them taking my payment and applying it incorrectly.
Consumer complaint received 2021-02-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: F.H. Cann & Associates, Inc. (MS)

F.H. Cann & Associates , Inc. is not reporting on my credit report. They are continuously calling me about this allege debt. According to 15 USC 1692g they are in violation because they never validate this debt. My name is not XXXX XXXX XXXX. My name is XXXX XXXX XXXX. I am not sure who account this is but it is not my account and this is a fraud account. Any information that is not accurate can be disputed and it will not stand because of its inaccuracies. I am well aware of my rights and the laws. After carefully looking more into this I now can understand how my rights were violated many times. FHC is violating several laws by harassing me which is 15 USC 1692d, communication with while I am at work 15 USC 1692 ( B ) ( C ). Abusive practices which is a violation according to 15 USC 1692a. Calling me about this allege debt which is false and misleading which is a violation according to 15 usc 1692. F.H. Cann Associates is a violation of 15 USC 1692 f ( 1 ). I have attached my Affidavit of Truth, ID, and my invoice for violating my rights. F.H. Cann & Associates threaten me to call my job and garish my wages on an account that is fraud and not mines.
Consumer complaint received 2022-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (MN)

This is with reference to the Barclays XXXXXXXX XXXX XXXX credit card offer, offer mentions depositing XXXX miles 4-6 weeks after the requirements are met. 
I met all the requirements on XX/XX/2022 and since I didn't see the XXXX bonus miles in my account, so I called Barclays customer representative on the XXXX of XXXX, 2022. After approximately ~ 1 hour of waiting, I was told that I have met all the requirements and I should see the miles within 5-10 days. I inquired again on XX/XX/XXXX and I was given the similar response with the case ID # XXXX. 

On XX/XX/2022 I inquired directly with XXXX XXXX XXXX XXXX customer service and I was informed that the miles have not been deposited. 

On XX/XX/2022 I used the XXXX  handle of Barclays requesting to look into the bonus miles as it has been more than 4-6 weeks since XXXX of XXXX. I was told that to allow them another 30 days to complete the case.
Consumer complaint received 2020-09-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SIERRA PACIFIC MORTGAGE (CA)

My mortgage company, Sierra Pacific Mortgage, was late paying my hazard insurance. I called them multiple times leading up to the expiration date to confirm they had paid. Each time they told me the check was in the mail as a batch payment to the insurance company. But because they waited until the last moment to distribute that payment, my insurance company cancelled my homeowners insurance. I was without coverage during a major fire season in California, in an area that was evacuated due to wildfires. I made the payment myself via a credit card. I was charged a fee for having my policy reinstated. My insurance company told me they would reimburse me if/when they received the mortgage payment from the lender. But, they'd need to hold onto my payment ( {$1100.00} ) for 20 days as was state regulation. Meanwhile, my mortgage company  sent me a letter telling me my insurance had expired! If my lender had made the payment in a responsible and timely manner, this would not have happened. Thankfully, I had the ability to charge this onto a credit card. I'm sure there are others who don't have the resources to do so. Sierra Pacific Mortgage 's payment policy negates the point of an escrow account and puts homeowners at risk.
Consumer complaint received 2021-11-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MS)

Account needs to removed from account it was never removed after speaking with the furnisher a if the account all it showed was my statement that it was an unauthorized transaction placed on my consumer report by the company.
Consumer complaint received 2021-07-12
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (PA)

Commenity Bank I have for XXXX XXXX XXXX  and others. They were great then the virus hit. They mark on credit report late payments all year ( workforce was shut down ) so I began paying again. Asked the fix credit was turned down. I payed my XXXX XXXX off they turned around and closed it due to lack of use. HELLO no stores opened last year. Customer Service calls 3 times a day sometimes past XXXX ET for a payment. Just got off the phone with some guy telling me he wants to take me to court because I paid {$40.00} and not full amount Seriously this is totally harassing customers
Consumer complaint received 2022-10-08
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: Atlanticus Services Corporation (PA)

In accordance with the FAIR CREDIT REPORTING ACT XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I filed for XXXX  XXXX Bankruptcy protection where I listed the Chase Manhattan bank as a creditor for the alleged {$1300.00} approx that they claim I was overdrawn. 

At such time the automatic stay went into effect which prohibited the bank from collecting on the money unless, the court lifted the stay or I affirmed the debt. neither of which happened Chase on XX/XX/XXXX decided to end our business relationship without telling me and a full week after the federal court stayed all recovery or collection activities; knowing this I had a wire transfer from my company placed into my account ; not only do the Refuse to give me my monies either by cash, cashiers check or wire elsewhere, I was told that they will mail me a check after they illegally collect monies included in a bankruptcy proceeding.
Consumer complaint received 2021-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CT)

XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXX is not my present address nor is it my previous address i have requested that experian delete XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXX from my credit report but XXXX  is adamant on violating my rights under the FCRA guidelines by refusal to delete this address even after numerous requests to have it deleted. attached is my credit report with demonstrating evidence
Consumer complaint received 2021-05-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (CO)

A phone call from XXXX XXXX XXXX have my personal information, address, SSN, birth date. Company said their name is XXXX, said I had a unpaid credit card in collection that they were assigned to handle. Told me I would have to go to court to pay court costs and lose my car which they knew the exact car I have. I'm filing this report, don't know what I should do next. I have XXXX credit reporting and locked credit file. This occurred XX/XX/XXXX at XXXX XXXX  mst. They tried to convince me to start paying on this debt which isn't real. I don't qualify for a Citibank signature visa card. Which they said was closed for non payment in XXXX. A real scary scam
Consumer complaint received 2021-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

THE INQUIRIES LISTED ARE NOT AUTHORIZED BY ME AND THEY ARE DUE FOR REMOVAL OFF MY CREDIT FILE. THESE INQUIRIES WERE NOT AUTHORIZED TO REPORT ON MY CREDIT FILE.
Consumer complaint received 2020-01-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

Basically all the trouble started when I was changing insurance company. The company I chose to insured the house deny coverage, after the escrow account from the mortgage company pay them, so I found another insurance company. The insurance who denies coverage sent me a reimbursement check. I deposit the check on my account and sent a replacement check to the mortgage company with a note written on the check to be " deposit to escrow account ''. The mortgage company deposit the check on the wrong account, into the interest account, and demand us to pay a late payment for the escrow account. I contacted them several times to fix the issue, they agree even in letters that was their mistake, but told me that the only way to fix it was for me to pay the late fee and the money which they wrongly deposit into the interest account. So they miss-place funds and they want me to pay for their mistakes. Not only they treatenning with foreclosure, my credit report was damage, when they even told me that they did not do it. I got emails phone calls and letters of them admitting the error, but telling me, that the only way to fix it, is for me to pay the late payments and money they are claiming I own.
Consumer complaint received 2019-08-11
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: The Thomas Agency, Inc. (NH)

This complaint is regarding the Thomas Agency in XXXX, Maine. I was in a auto accident in XXXX 2017 when I lived in Maine. Three medical bills from this accident went to collections, two of which are with the Thomas Agency. I disputed all three because they should have never gone to collections as my personal injury attorney 's office should have sent out letters of protections directly to the initial creditors to stop these unpaid bills from going into collections due to an intent to sue the people found at fault for this accident. One, the largest bill for almost {$6000.00} was removed from collections. However, Thomas Agency has been very evasive, and at times has refused to respond to both my attorney 's office and myself by phone and in writing. Three weeks ago up to most recently, I offered by email to pay both items ( totaling less than {$2000.00} ) they report to the credit bureaus as in collections in exchange for them immediately removing both collections from all three credit bureaus and any and all other places they have reported such to. I would like to have these collections removed from my credit as soon as possible and have the agency accept the letter of protection from my attorney 's office, but this agency refuses to put anything in writing and has also refused to accept my offer of paying off these two debts in exchange for removing the collections. 

This agency has called to collect the debt after XXXX XXXX during the week and on Saturdays on 4 occasions, that I can remember. 

Lastly, I can provide copies of the two debts this agency has sent to collections. They are with my attorney 's office, but I will get copies. I hope I could receive some help in urging this company to communicate in writing and ultimately to resolve this issue in exchange for removing these items from collections expeditiously. Thank you.
Consumer complaint received 2022-04-02
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 (GA)

This was for a job on XXXX I was mailed fraudulent checks under the pretense I would send them the tech vendors and get equipment. I signed a W4 and a job letter and everything. I have all the XXXX XXXX, XXXX data, messages, emails. And correlating XXXX transactions to prove I did not make these checks. I was lied to and it was fraud. 

I am XXXX and have XXXX and USAA quite literally hung up on me saying I should have called the check bank and said it was my fault and there would be XXXX investigation. And I would be XXXX in my account. Money I do not have or imagine having soon at all.

I asked if I would file a police report if it mattered she said no. Nothing would matter.
Consumer complaint received 2019-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Waypoint Resource Group, LLC (UT)

WayPoint Resource Group put a collection on my credit report on XX/XX/XXXX for {$120.00} due to XXXX. I never received internet services from XXXX as I was outside of there grid and cancelled the account within 5 days on XX/XX/XXXX. I have a letter from XXXX admitting fault that they should have never submitted my account to WayPoint Resource Group collection agency. XXXX and XXXX   have deleted the collection off of my credit report. However, I have disputed with XXXX 3 times and it won't get deleted. WayPoint keeps telling me they have notify all 3 credit bureaus on XX/XX/XXXX. XXXX  keeps telling me Waypoint tells them the account belongs to me. The 2nd dispute with XXXX  they updated the balance to XXXX showing paid on XX/XX/XXXX. I never paid anything off. XXXX or Waypoint is not helping me out. It shouldn't be this complicated to remove this off of my report since it was an ERROR. I am trying to apply for a loan this is making it difficult for me financially due to my FICO score.
Consumer complaint received 2024-05-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP (NY)

Dear XXXX, There is a Financial Institution Elan Financial Services at XXXX provides Credit Card service to XXXX customers XXXX 
This institution is running illegal business in USA. 
I have transferred $ XXXX on XX/XX/2024 to Elan Financial Services from another high interest credit card, Elan Financial did not apply that money into my account, instead they kept for a month in high interest market then they said they returned to the initiator. 
After more than a month they have no clue where $ XXXX went to, no tracking information. 
As my high interest credit card started charging daily interest, I stated calling Elan Financial Services XXXX XXXX times but still they dont want to refund the money to me. 
I am requesting your help to resolve this matter. 
Thanks in advance. 
XXXX XXXX XXXX ( m )
Consumer complaint received 2020-06-04
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 
CHAPTERXXXXBANKRUPTCYDISMISSED CHAPTERXXXXBANKRUPTCYDISCHARGED
Consumer complaint received 2019-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I am under XXXX XXXX XXXX for almost 2 years now. The 2 accounts from Capitol one were negotiated by the above company and settlement amounts were agreeded upon. XXXX XXXX XXXX pays them each month. The bills will be payed off in XX/XX/2019. The amount you show owed is incorrect.
Consumer complaint received 2017-12-19
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (IN)

ACCOUNT DETAILS Account Name SYNCB/LOWES Account # XXXX Original Creditor - Company Sold - Account Type Revolving Charge Account Date Opened XXXX XXXX, XXXX Account Status Closed Payment Status Charge-off Status Updated XXXX XXXX, XXXX Balance {$17000.00} Balance Updated XXXX XXXX, XXXX my social is XXXX im XXXX XXXX
Consumer complaint received 2020-11-21
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: CHARLES SCHWAB CORPORATION, THE (CA)

XX/XX/XXXX = Received XXXX  report showing a XXXX XXXX inquiry/possible account opening. 
XX/XX/XXXX = ( XXXX XXXX ) Contacted XXXX XXXX customer service via XXXX and spoke with XXXX @ XXXX office. She transferred me to XXXX in the Security/Fraud Department. With a full name search he was able to find out that an investment account was opened, but flagged and closed. He told me there was no funding into the account and no transactions were processed. XXXX was unable to provide me with a written statement ( mailed or email ) stating this information but directed me to send a written letter to Charles Schwab & Co , Inc., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. 
XX/XX/XXXX = Dispute letter and Identity Theft Report mailed to XXXX XXXX via USPS Registered Mail to the XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX address. 
XX/XX/XXXX = UPDATE : No communication from XXXX XXXX XX/XX/XXXX = Dispute letter and Identity Theft Report mailed to via USPS Registered Mail to 1 ) Charles Schwab & Co , Inc., XXXX XXXX  XXXX, XXXX XXXX, CA XXXX and 2 ) via USPS First Class Mail to the XXXX XXXX Operation Center, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. 
XX/XX/XXXX = Complaint submitted to Consumer Financial Protection Bureau
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. ()

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX Balance Owed : {$5600.00} XXXX  XXXX Balance Owed : {$2200.00} XXXX  XXXX Balance Owed : {$510.00} XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I don't understand why it indicates late payments when I thought I never paid my debts late. This is absurd! I've never made a late payment on a loan. Additionally, the account is displaying false information. The dates of opening, last reporting, and last activity are false!