davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-27
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: UNITED COMMUNITY BANK (SC)

In XX/XX/XXXX I filed Chapter XXXX Bankruptcy and the plan has been court approved. 
The court approved Chapter XXXX Bankruptcy plan lists the " secured claim '' amount of {$63000.00} to be paid in full over 60 months with interest at 6.5 %, and an allowance for an " unsecured claim '' amount of {$6700.00} to be paid over 60 months at 0 % interest. 
My case has been administratively closed and I started making payments to UCB Bank according to the court approved plan in XXXX of XXXX. When I received my first UCB payment statement via email in XX/XX/XXXX from UCB 's Attorney, XXXX XXXX I noticed right away the principal amount listed of over {$90000.00} was incorrect and payments were being applied incorrectly as interest only. UCB bank increased the payment to match the " secured '' payment ( $ XXXX/month ) listed on the bankruptcy plan but left off the " unsecured '' payment XXXX $ XXXX XXXX. I've asked their UCB 's attorney as well their bankruptcy Department representatives, XXXX XXXX and XXXX XXXX to correct these errors for over 8 months but they have failed to comply. I've also asked for a point of contact for my loan with UCB for that long and continue to have my requests ignored. Now the UCB 1098 mortgage interest statement has the same errors which is causing delays in filing my tax returns with the IRS.
Consumer complaint received 2023-01-09
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: EQUIFAX, INC. (NJ)

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-13
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: World Acceptance Corporation (TX)

I have repeatedly asked they discontinue to call my references and they continue to cal my daughter everyday I had XXXX and lost my job and unable to pay at this time. 
I know I owe this money but I cant pay this and keep a roof over my head
Consumer complaint received 2021-05-02
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: Continental Finance Company, LLC (FL)

I am now XXXX XXXX XXXX on XXXX XXXX still throughout my whole XXXX due to XXXX. I called all credit card companies letting them know my situation of why I wouldn't be able to make a payment until I could get well from being XXXX  and contracting the XXXX XXXX  being put on XXXX XXXX  with a XXXX year old son while I'm extremely sick and unwell. I've always paid early keeping my balance very low. I was assured everything was well and to call and make a payment as soon as I was well. I called twice in two days once I got better and had paid in full to a {$0.00} balance on all credit cards. I asked for the late fees to be taken off and also for it to come off of my report of credit, to no avail did they help me with my credit report, after being told that everything would be fine and to focus on the health of me and mXXXX XXXX XXXX and my XXXX year old. Me and my husband were in the home buying process and with all of these late payments on our credit our daughter is about to be XXXX  and we don't even have the credit to get our home I advised them that I could provide any documentation from Doctors hospitals bank statements anything that they needed and so please contact me to provide anything that they would need to know avail. Please help me. Me and my husband are trying to buy a home for us and our children and we can't because of the hit that my credit has taken is so bad with these late payments I asked them for them to be removed because they said in the beginning that I wouldn't be charged any but I still was if you can please help me I would greatly appreciate it thank you very very much God bless you
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (VT)

XX/XX/2024 XXXX. I loaded the PayPal app onto my iphone. There were a series of questions that came up. SS #, Income, etc. Then I clicked submit, assuming that I was consenting to the PayPal account opening. Then I got a notification congratulating me for opening a PayPal Master card account. I WAS TRICKED INTO DOING THIS. No mention of the XXXX  card until my approval of a card I did not apply for. 

On XX/XX/XXXX, XXXX I called the XXXX card company to find out why I was tricked into opening this card. I closed it immediately. My credit report suddenly took a dive of XXXX points, as there was a new inquiry. An inquiry that I did not authorize. I was told that it would take 60 days to resolve this. 
This is unfair to consumers who have no intent to open a credit card, and it is done with misrepresentation. It's a fraudulent way for the company to gain new credit card customers.
Consumer complaint received 2022-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc. (PA)

For several months a company known as XXXX has been charging my Cashapp debit card {$10.00} at odd hours of the morning. I have tried to stop this by contacting them, but there is no way to do so. I contacted Cashapp Support several times about the problem as well. They just now put a stop to it now that my account is down to {$1.00}. This is ridiculous as I have no idea who they are or why they are charging me money. I did not do this, please help.
Consumer complaint received 2021-08-22
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. (DE)

Greetings My name is XXXX XXXX. On Two Occasions, XXXX obtained a copy of my credit report. My ex-wife who I had divorced in XXXX still had access to my social security number. And had tried to purchase a house using my SSN to cosign on a mortgage without my consent These Two occasions were XX/XX/XXXX and XX/XX/XXXX Respectively
Consumer complaint received 2020-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (NC)

I am staying at a hotel and I paid the hotel XXXX dollars for 18 days. Somehow when they ran my card my bank BB & T split it up when the manager ran it as one charge. Now BB & T took out $ XXXXand they have {$580.00} and {$440.00} on hold and the {$1000.00} has already been withdrawn. When I called and told them to release my funds because my account was now negative they tried to blame the hotel. When I went to the manager she showed me the charge she made on XX/XX/2020 and it was one charge of {$1000.00}. BB & T has held up over XXXX dollars of my money for 5 days. I have had no way to buy food and to take an XXXX they have jeopardized my mother and my safety as she is a XXXX patient and I need to be able to take her to the doctor and we have no way to go anywhere or to buy food. This should be illegal and I would like my money back and the reparation for the high interest loan we had to take to bring my account into the positive so that these thieves did not try to charge me NSF fees as well. The interest on this loan is over {$200.00} dollars and it is all BB & Ts fault. They should not be allowed to get away with this. Then the woman told me I have to wait for the funds to come off pending status and if the money did not go into my account I had to report it as fraud against the hotel. They did not commit fraud BB & T committed fraud. This is absolutely horrible that they can get away with this. They have held up over XXXX dollars of my money for their own use for over 5 days.
Consumer complaint received 2022-09-16
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-04-26
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: DISCOVER BANK (PA)

A Discover credit card was fraudulently opened with my name and address but not with my accurate phone number. My credit score did not meet the requirements to open a card but when I disputed the account and agreed to payment options to remove the charged off account from my credit report. Discover credit card informed me that there is nothing I can do to remove the the charge off account although the account is not mine and is a result of fraud.
Consumer complaint received 2018-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. It is now XX/XX/XXXX. I sent the XXXX XXXX XXXX and all 3 credit bureaus a copy of my police report, ID Theft Affidavit, ID, and my social security card. The  company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
Consumer complaint received 2021-10-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (SC)

Wakefield and Associates, date of service stated XX/XX/19, tried to call and discuss and let them know this is not my debt I didn't attend a hospital on that date. This is not me and will not be paid it needs to be removed
Consumer complaint received 2021-02-11
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: National Credit Adjusters, LLC (NC)

NCA has deceitfully supplied a bill that does not belong to me as " evidence '' that the account belongs to me. I have requested a documented level paper trail baring my signature. 

This matter is not at a conclusion with your office until I file a lawsuit. The attached bill that NCA supplied to CFPB do not support their claim that this account belongs to me. The address associated to the account ( for the document they supplied ) does not and has not ever belonged to me. You have failed to send documented level papers baring my signature that I open an account with you or any other agency/business that you represent. Furthermore, as sighted on my credit report I have been a victim of identity theft. You are reporting incorrect information on a victim! 

I demand that this erroneous and damaging file be removed from my credit reports!
Consumer complaint received 2024-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

DATE : XX/XX/XXXX RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX SPS Loan Number # XXXX ( Page numbers are located at bottom right side of each page ) To whom it may concern, SPS has been adding Flood Insurance to my property since XXXX. In which my monthly payments went up from {$720.00} To {$750.00}, and then in XXXX went up again from {$750.00} to {$780.00}. Therefore, SPS has overcharged me {$350.00} from XXXX. Then in XXXX they did it again and over charged me for the total of XXXX years {$1300.00}. Simply because SPS continues to add Flood Insurance onto my property Knowing that I live in a HOA in which they cover for Flood Insurance. SPS states that the documentation they received did not have the correct address. Which is my fault because it does. I have the paperwork to provide it. 

SPS on XX/XX/XXXX. State that they have removed the Flood Insurance and credit my ESCROW ACCOUNT {$1000.00}. Meaning that at no time was my Escrow Account ever short. If it was ever short, it was caused by SPS adding the Flood Insurance. 

SPS states that the payment of {$780.00} did not include the Flood Insurance. That is not true. Please go to ( Page 1 ). As you can see SPS adjusted the Monthly Payments in XXXX from {$780.00} to {$740.00}. Meaning that the extra cost was due to the Flood Insurance. You can see that the Flood Insurance was added by going to the following ( Pages 8, 13, 14 and 15 ). 

If you look at ( Page 14 and 15 ). You will see that I have included monthly statements for XX/XX/XXXX. Please go to line XX/XX/XXXX there you will see : Flood Insurance in the amount of {$150.00}. Same goes for the statement in XX/XX/XXXX, line item XX/XX/XXXX. 

I have sent nothing but hard facts to SPS showing that the increased monthly payments were due to the adding of the Flood Insurance. But SPS has the gull to state that is not correct. I just can not understand how a mortgage company such as SPS can state that the monthly payments didnt include the Flood Insurance with the amount of PAPERWORK I have submitted. Please see ( Pages 1-12 ) which shows the breakdown The Principal and Interest is {$560.00}. Therefore, by adding {$560.00} + XXXX {$720.00} per month for taxes from XXXX. Same thing goes for XXXX {$560.00} + $ XXXX {$720.00} per month. 

According to SPS the Flood Insurance was not added then why was the payment at {$780.00} instead of {$720.00} for XXXX??
Consumer complaint received 2021-05-02
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. (MD)

I have reviewed a copy of my credit report and I show company XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2019-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (IN)

I received a call from XXXX informing me they had detected an application for a credit card with USBANK, and did I authorize this ... I replied NO. 

I called USBANK talked with the Fraud dept and was assured the application was cancelled. 

Some time later I received a USBANK/XXXX XXXX/XXXX Credit card. I immediately called USBANK and was told the card was in fact NOT Cancelled and was valid. 
... BUT ... USBANK would cancel the card immediately. 

Today ( XX/XX/2019 ) I received a CC statement with a charge for {$95.00} ( Annual membership fee ). I again called USBANK fraud and transferred several times ending up leaving a message with the Investigative Svcs Dept. No call back as yet.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (CA)

There are ( 6 ) student loans being reported under FED LOAN SERVICING reporting inaccurate late payments. It clearly indicated on my credit report ZERO PAYMENT MONTHLY DUE. there was NEVER ANY PAYMENTS DUE ON ANY OF THESE LOANS PRIOR TO IT BEING TRANSFERRED. THESE LOANS HAVE BEEN ON MY CREDIT FILE SINCE 2010. WHICH LRGALLY IS AGAINST MY FCRA RIGHTS anything after 7 years NEEDS TO BE REMOVED FROM MY CREDIT FILE. THE INFORMATION HAS BEEN REPORTED INACCURATE SINCE 2010 PLEASE REMOVE ALL 6 ACCOUNTS AND ALL LATE PAYMENTS. THERE WAS NEVER ANY MONTHLY PAYMENT DUE.
Consumer complaint received 2021-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I contacted Transunion Credit Report and requested them to remove these collection. that is inaccurate information on my credit rreport listed per FCRA Section 609. and they still have not removed them I have requested these collections to be removed multiple time.. creditors do not list contact number or address. 
Collections listed : XXXX for amount of {$160.00} XXXX amount of {$940.00} XXXX XXXX XXXX in the amount off {$770.00}
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX, Transunion and XXXX  have constantly abused their assumed position of being consumer reporting agencies. The misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus " are not operating with in the boundaries of FCRA and FDCPA
Consumer complaint received 2022-03-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (FL)

This has been going on for so long and I have been trying to reach out to Citibank for my XXXX dollars for months now and its been very stressful for me and my daughter. I been getting handed off to representatives like a toy ball been giving me the run around everytime i called. I was once told that my bank account is closed and that i should be receiving a check for my remaining funds. But when I called back as I was told to do I was told now that my bank is not being closed but has to be looked at first and I have to wait more months once again. I am very XXXX and XXXX  to the point I dont know what to do with my life Im so XXXXe financially and also my mother has passed away recently so I have no one to rely on for help. Can anyone please help me please. My number is XXXX
Consumer complaint received 2021-10-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (VT)

Multiple times attempted to trade crypto. Coinbase processed transaction then canceled or not completed without notification while using app. Acted like it completed trade then emailed later it did not complete trade. Multiple time the coinbase took money when trading shiba inu crypto. They have agreed there is a problem and still won't give me my money back. Scam. Failed to execute trades accordingly. Leaveing customer without control while markets move and and coinbase holds our money without recourse. Then agrees there is a problem but won't pay me back. The Coinbase system appears to operate like a claw machine in the arcade. Grabs the trade act like you have it in hand but drops the item as it executed trades, especially ones when value is droping rapidly. Coinbase can't facilitate or manage its trading system. It is a scam.