davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (FL)

I had a boat loan with XXXX financial that i paid off in XXXX of 2020 but the company transferred my loan to Shellpoint Mortgage in end of XXXX ans Shellpoint sent me a letter saying i owed them for a loan payment i contacted them and sent them the payment info from XXXX where the loan was paid off, they still insisted i owed them {$330.00} to pay the loan of and i paid them in XXXX just not to have a problem, i received confirmation that the loan was not paid in full. I asked them for my title to my vessel and i was told to wait 3 weeks for it to be sent to me.. Its now almost 4 months and i called them 4 times since but no one can tell me where it is, i e-mailed the loan servicing department as they tell me 4 times with no response. Now the worst part is shellpoint reported to the credit bureaus that i am 30 and 60 day late and that the loan is a home mortgage!!!! Im purchasing my first home now and im 3 weeks away from closing but due to this incorrect reporting my score dropped below the minimum required FICO score required and the incorrect reporting that the loan is a home mortgage and late payments is not allowing me to obtain my mortgage for my home due to this incorrect past history on my report.!!!! I have called Shellpoint at least 5 times and e-mailed them to please correct the reporting asap so that i can contact the agencies to rescore my reports for my new mortgage, but it has been 10 days with no response at all ... and everyday my credit score drops lower!! please help or my family and i will be in the streets with no home.
Consumer complaint received 2020-10-26
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: FISERV INC. (FL)

XX/XX/2020 - Went to the XXXX gas station to get gas for my car. Went inside to use the card as a debit for {$10.00} worth of gas. Went back outside, pumped the gas and left. Checked my card and saw that the balance said XXXX. 

See attached pictures where I was paid yesterday, XX/XX/2020, {$100.00} and the only purchase I made was the {$10.00} gas purchase. 

I called Customer Service and explained to them what had just happened and I was told that I needed to use the card as a debit purchase. I informed the Rep that that's exactly what I had done and she repeated herself with " you need to use the card as a debit purchase '', so, I repeated myself and told her that that was what I'd done. After that exchange, she told me that it would take 7 days for the money to go back to my account. 

Question - why does it take 7 days for an electronic transaction to take place? 

I submit this complaint so quickly because this is not my first negative encounter with Money Network. I have another complaint logged against them and I don't want this one to drag out the way I allowed the other one to drag out for 2 months before I submitted a complaint.
Consumer complaint received 2022-08-12
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: AES/PHEAA (NV)

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Consumer complaint received 2018-07-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: POPULAR BANK (NY)

XX/XX/XXXX ; XXXX XXXX purchased a XXXX family house located at XXXX XXXX XXXX XXXX XXXX NY XXXX. With a XX/XX/XXXX loan for the amount of {$640000.00} finance by XXXX XXXX ; property was own by XXXX XXXX who transfer lien to XXXX XXXX XXXX XXXX for the amount of {$500000.00} on XXXX XXXX, XXXX XXXX sold property to XXXX XXXX. United State Government create rules and regulation to evaluate the code of conduct, this ones are RESPA, TILA, ECOA, those one include several provision that protect the integrity of appraisal process. TILA also prevent the creation of toxic loan for an over price property with high interest. like this loan, XXXX ( 80/20 loan ). 
Flip on a house price by FBI ; buy a property wit the intent to re sell it an artificially inflated price for consider profit, even though they only made minor improvement to it. paying an appraisal a fee to submitted a false and artificially- inflated appraisal report.
Consumer complaint received 2022-08-12
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: Maximus Federal Services, Inc. (NV)

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Both the financial institution " XXXX XXXX '' and the Consumer Reporting Agencies involved, have violated my rights as a consumer under the US Code, Title 15 USC 1681b ( a ) ( 2 ). I have never given written consent for this information to be shared or furnished on any public domain. They have also violated my rights under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) by publishing information regarding transactions between the consumer and the reporter. 
They have published an alleged late payment as XXXX days late in the month of XXXX, 2020. 
I have filed disputes directly with the CRAs and had no resolution. 
I have also called XXXX XXXX and spoken directly with a representative while still reaching no resolve. 
This information has repeatedly hindered my ability to operate in commerce.
Consumer complaint received 2024-03-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Specialized Loan Servicing Holdings LLC (FL)

I had set up a trial payment. Which was initiated by sls after the first payment I called and set up the additional payments for the XXXX of each month. They attempt to take the payments out on the XXXX. The second one did not go through they have since been making multiple debits to my checking account with my bank, causing it to go into a negative balance and fees from my bank and from sls for payment reversals I asked them to stop and it has not. It has prevented me from paying my XXXX bill, which is ready to be disconnected and when payments go through, all of my funds are tied up for several days. This is causing a problem with me with other bills and not having any access to my funds. They have been using several unfair and deceptive practices that I have filed prior complaints for but the staff is very unfriendly and not helpful so I am filing another complaint because they submitted another payment, they told me the trial. And the modification was canceled. They continue to debit my checking account see attachment this is causing unnecessary expense and hardship and buying up bonds for me.
Consumer complaint received 2018-07-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (CT)

Two fraudulent transactions in the amounts of XXXX and XXXX on XX/XX/31 from XXXX were reported as such, fraud, to American Express on or around same date of XX/XX/31. To date, both transactions remain unresolved, no credit issued. I have not been provided any information showing I authorized either transaction, I have not received anything from the person, XXXX. XXXX requests the full card number in order to investigate the charges, I only have last four ending in XXXX. American Express needs to either credit back the transactions or provide full card number, which was replaced since with a new card number. I need full card number in order for XXXX to investigate on their end, they can not do anything with only last four of card number. Failing to provide full card number, they need to simply credit back both charges as they are fraud.
Consumer complaint received 2018-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

It was noted that my XX/XX/XXXX mortgage payment was received 30 days late. It was received and processed by the mortgage company XXXX XXXX  on XX/XX/XXXX. There is 28 days in XXXX. A XX/XX/XXXXprocessing of the full mortgage payment would put the payment as being received in 28 or 29 days depending on how days are viewed.. 

This 30 day late and all comments on my credit reports for XXXX XXXX  needs to be removed as this is a FCRA violation of inaccurate reporting. 

Please remove all comments and the 30 day late mark from my credit reports.
Consumer complaint received 2017-09-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One closed my 360 checking account stating according to their terms and conditions they can close my account whenever they want for whatever reason. However the timing seems interesting in that I have a {$400.00} sign up bonus for their PLUS400 checking account promotion due in the next few weeks and they close my account right before payout. An absolute bait and switch here. They also closed my money market and credit cards which I have with them for many years. For {$400.00} that seemed like a desperate move. 

I filed a CFPB complaint on XX/XX/XXXX for the same issue in which the response was they never received the direct deposits required for the {$400.00} sign up bonus. However, I had direct deposits from XXXX XXXX posted shortly after account opening. The online website wo n't show my checking account history now which is super shady. I attempted to call the contact person XXXX XXXX many times but she never picked up my phone call. I do not know what has become of Capital One but I am hoping CFPB can provide justice.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (OH)

The following companies provided business credit to a company I own, the credit was for the sole use of the business. The credit cards reported to the business profile with XXXX. The credit was open for at least XXXX years. At no point did the credit report to the personal XXXX, XXXX, XXXX profile. The credit card companies never requested for a personal guarantee on the credit cards that were open. The business is currently in default and the credit card companies are now reporting to the personal credit profile. This is in violation of my consumer rights. I am in the process of getting a Consumer rights attorney to resolve this matter.
Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CO)

I opened my business, personal, and savings accounts with US bank back in 2022, in order to have an account that I can do my business through, to make a growing legacy for my family. I was getting paid through sales that are made for products that a variety of companies/businesses are buying as my XXXX XXXX supplies me with invoices regarding the transactions. I then would verify the transaction by calling the customer to talk about the sale. I would then take some of the money out of my account in order to pay vender 's that I need to pay in order to send the customer their products they purchases. 

About a week before XXXX of 2022, US bank froze all my accounts when I had over {$500.00} in both my regular checking, and business accounts. I also had {$800.00} in my Savings account, once they froze my accounts, they told me they were doing some kind of internal investigation on my accounts that were NOT a part of the US bank XXXX XXXX department. It was being investigated by a team that they would not disclose information with me about, nor have they ever told me anything they found ( if anything ). I have called them to talk with the branch manager, and continue to wait for a call back that I have not received as I asked for correspondence regarding any paperwork regarding where the remainder money that was in my accounts went? 

I and many others around me feel that US bank broke my trust with them as they took my money, did not contact me regarding why or what they did with any of my remainder balance. They continue to call and harass me trying to get me to pay for a bill that I have NO information about, they haven't sent me anything about it, and they still call me to try to collect a " so called '' credit card bill that I had with them when I was a customer, I was paying it, and nothing was wrong, Now that after the accounts are all closed, they still send me email messages to view my statements when I can't log on the the portal to check anything because they blocked me from being able to do so. They won't send me anything in my mail to correspond any information regarding this " so called '' debt. 

I believe that with the XXXX XXXXXXXX that they took from my accounts when they closed them, should have been paid toward the credit card that is in question, and my remainder balance would have been sent to me in a cashier 's check. 

Thank you ; XXXX XXXX
Consumer complaint received 2018-07-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (TN)

I do not know anything about XXXX XXXX. It lists the account status as Closed, therefore I should not owe any {$750.00} and it should be taken off my credit reports. Also Mr. XXXX XXXX, A debt consolidator, consolidated and paid off my bad debt.
Consumer complaint received 2018-07-23
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

While on vacation in XXXX, XXXX I purchased {$2300.00} worth of custom clothing from a company called XXXX XXXX. The clothing was supposed to be completed within 48-hours for pickup. After more than three weeks and more than seven visits to the store, the clothing was still not ready. After multiple requests for refunds, the company refused to refund the money. They attempted to mail me the products in the US, and since the products were incorrect each time I stopped by their store and since they refused to refund the money, I had already filed a dispute with my credit card so I refused to sign for the products. Since this company showed they attempted to mail " something '' to my residence, both Capital One and XXXX refuse to assist me and have sided with a foreign company notorious for fraud and scams. In my most recent conversation with Capital One I requested twelve times during the conversation to speak to a Supervisor, and Capital One refused to help. I have been a card holder with Capital One for 17-years. At this point, the company in XXXX has my money and I do not have the product purchased- and Capital One and XXXX refuse to help.
Consumer complaint received 2023-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-11-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The following accounts were fraudulently opened by someone without my knowledge or consent : XX/XX/XXXX Bank of America Credit Card {$2200.00} charged off XX/XX/XXXX not mine. 
XX/XX/XXXX XXXX XXXX XXXX  Credit  Card. {$610.00} charged off XX/XX/XXXX XXXX XXXX XXXX  Credit Card-open date unkown, currently in collections with XXXX XXXX {$610.00} charged off placed for collections XX/XX/XXXX XXXX XXXX open date unknown {$3000.00} currently in collections with XXXX XXXX XXXX placed for collections XX/XX/XXXX XXXX  opened around XX/XX/XXXX {$1100.00} currently in collections with XXXX  XXXX  I have contacted the credit bureaus to dispute these accounts but their investigation has come back that these are valid. All these account were opened around the same time period which was XXXX XXXX. 
I moved from XXXX XXXX XXXX XXXX to XXXX, Ca.
Consumer complaint received 2018-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XX/XX/2018 Capital One, Quicksilver Rewards I have written to Capital One to stop sending me their details about Capital One Quicksilver. I DID NOT ASK THEM TO SEND ME ANYTHING, I DID NOT CONTACT THEM.

I've called XXXX to no avail. I have told them this is how fraud starts - with someone else getting their hands on these mailings and opening an unauthorized account in my name. THEY DO NOT CARE! They have sent me one letter for the last six months. They claim they can't stop them from coming! That is a lie!!!!

I want this to stop! I did not contact them, I do not want their card, I do not want potential fraud.
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It says in XX/XX/XXXX I opened an account with transunion, which then lowered my credit score by almost 30 points. I have not opened a new account recently so I am just confused.
Consumer complaint received 2021-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (NC)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2020-07-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Performance Management, LLC (CA)

Called Receivables Performance Management LLC because a new collection popped-up in my credit report. I spoke with an initial representative and told her I wanted to pay the bill but I had some questions about the credit reporting, since they never contact me either mail or phone, I never had the opportunity to pay it or dispute it so I was asking for the deletion of the trade line on my credit report. 

I ended speaking to a " manager '' a lady who pushed me very hard to try to collect the debt, I explained that I want to pay the bill but is unfair for me to keep a collection account that I never knew about it and I was asking for the deletion on my credit report. This lady just wanted to get my credit card number, at some point I thought this was scam but I got the phone number from my credit report. 

The " manager '' threat me with destroying my credit since " I am refusing to pay the bill '' I clarify her statement since that wasn't true, I was asking for time to think about keeping a paid collection in my credit report, I told her I never received a letter form them and she said they mailed to my address, but then she changed the name of the street ( more suspicions to think it was scam ) In a recording call she changed the name of my street address and claimed they sent notifications. She ended the call telling me SHE WILL NOTE IN THE ACCOUNT THAT I AM REFUSING TO PAY AND IT WILL DESTROY MY CREDIT.
Consumer complaint received 2020-04-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NC)

Bluebird randomly shut down my account again for the 2nd time without reason this morning. I sent a {$490.00} payment to someone and then an hour later I was unable to login to my account. I tried calling their support number and talking to someone but it seems impossible to get someone on the line. When I give my account information to the automated phone support, it states " Your account has been permanently suspended, goodbye ''. If for whatever reason my account can not be reopened because I did something wrong, which I did not, I would like the money that is still left on my account sent to another bank account or a check mailed to the mailing address listed on the account. Thankfully I got most of the money off of there when I made the {$490.00} payment this morning.