davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (PA)

XXXX sold my mortgage of nearly a decade to Carrington Mortgage Services , LLC on XX/XX/XXXX. My mortgage payment stayed the same until I received an Escrow Analysis stating my shortage is {$1400.00} and increased my monthly mortgage payment by {$94.00} per month for a CUSHION! 
In review of this analysis and verification of Taxes and Insurance on the property, there is only a temporary deficit of less than {$150.00} during the month of XXXX  every year. 
Distraught, I called XXXX  and asked for their assistance. They informed me I could request the CUSHION to be removed and a reevaluation of the escrow be performed. I called and requested this at least 12 times in one conversation, being transferred higher up in the chain until I was connected to patronizing XXXX, who stated, for the 12th time, that this could not be removed because of my FHA loan and RESPA guidelines. I stated there is no way a loan in place for nearly a decade suddenly goes up that much. He said feel free to file a complaint and that would do nothing to help me and the CUSHION would remain. 
ALSO, on this same day, XX/XX/XXXX, I received a harassing phone call from Carrington Mortgage demanding my mortgage payment!!! I stated I have NEVER paid my mortgage late and that I had until XX/XX/XXXX to do so! Belligerent XXXX stated it is due NOW and how would I like to pay? I hung up on her. 
WHAT KIND OF SHADY OPERATION IS THIS???? Please HELP.
Consumer complaint received 2021-06-30
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: SYNCHRONY FINANCIAL (SC)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.
Consumer complaint received 2018-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC (CA)

Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX reporting we owe money.. ruining our credit ... all was included in bk in 2009
Consumer complaint received 2020-09-18
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (PA)

US Bank ReliaCard was issued to me to deposit my weekly XXXX payments from Pennsylvania. I would do bank transfers as needed. The last bank transfer I attempted was for {$2000.00} on XX/XX/2020. My ReliaCard account indicated it was indeed transferred to my bank account. On XX/XX/XXXX, the funds were still not available in my bank account, nor was I able to attempt another transfer, and the only thing I could do with my account was see my balance. It appeared my account was frozen. I contacted customer service at ReliaCard, and the customer service rep answered the phone by asking if I was unable to use my card. I said yes. He gave me a 10-digit ID number and a fax number and said to fax a copy of my driver 's license to this number with the 10-digit ID number on the same page as my license. I did so immediately after the call. 
A little over a week later I still had no use of my card and noticed the ReliaCard website had a document upload area, so on XX/XX/XXXX I once again uploaded my ID and 10-digit number and received the confirmation # XXXX after submission. 
XX/XX/XXXX, I still had no access to my funds so I once again called ReliaCard customer service and the woman I spoke to said there was a note attached to my account that stated my previously sent fax was too blurry and could not be read. She said the reason ReliaCard was doing this was to prove identity because there is so much fraud going on. She asked me to re-send it to a different fax number and to enlarge my ID by 200 %, lighten it and copy in black and white. I did this and it has been 24 hours and still no access to my card. 
How many times do I need to send my ID, and if they can't read it, then why can't they contact me and get it straightened out?
Consumer complaint received 2020-09-18
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. (NY)

I disputed the inaccurate information on the USDOE/XXXX  account with the three major credit bureaus : XXXX, Experian and XXXX. They all said that they verified the information on the account. How could it be verified when all the information that the burueas has from the company are different. The date last active, last reported to name a few. Where are the bureaus getting their information from if all the information from the company is different? I have uploaded the information that compares all three credit bureaus information on the account and highlighted the innaccurate information. It is a violation to report inaccurate information.
Consumer complaint received 2017-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AZ)

I checked all 3 of credit report today and it shows I have a chapter XXXX bankruptcy .... The courts do not report to the credit agency.. how did they get the information for the courts..
Consumer complaint received 2020-12-05
Product: Credit card or prepaid card — Store credit 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 (ID)

I placed an order on XXXX on XX/XX/XXXX. I ordered a comforter set as well as several other items. I received all of the items in my order besides my comforter set. My tracking information shows a label was created on XX/XX/XXXX, however XXXX never picked the item up, its still in the same status it was in on the XXXX of XXXX which states a label was created. I chatted with a representative on XX/XX/XXXX and was told that I needed to wait for 48 hours while their investigative team looked into my order. I called in on the evening of XX/XX/XXXX and after over an hour of back and forth I was finally told they would issue a refund for the comforter set which was {$76.00}, I was also told I would be getting a XXXX XXXX  credit added to my account for the issues. On XX/XX/XXXX I checked my account and my refund still hadnt been initiated so I went online and chatted with a representative who informed me that my refund was never processed but there was notes that it intended to be, the previous representative just didnt finish the process. He told me my refund would be in my account within a couple days since it was my XXXX  card and I would get a XXXX XXXX credit within 24-48 hours. It is XX/XX/XXXX, I still have not received the comforter I ordered, I have not received my refund, nor have I received the XXXX XXXX I was promised. I called XXXX  customer service again today, XX/XX/XXXX and was told that they are opening a case and I need to wait 7 more days for my refund. 
The reference number for the phone call is XXXX. 
The reference number for the chat is XXXX.
Consumer complaint received 2023-02-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (WV)

Turned off XXXX cable/wifi internet XXXX XXXX by physically going into the XXXX XXXX va XXXX XXXX spoke to the worker and turned in a XXXX XXXXXXXX and a XXXX XXXX package in a big cardboard box. Approximately a week later an XXXX worker came to the pole at my home and inserted a lock/filter at the cable line. Started receiving bills in XXXX, XXXX for XXXX called them to fix the issue which they did and now im being mailed a collection bill from southwest credit systems to recover XXXX for cable /wifi i did not receive and had disconnected XXXX XXXX is a cancellation email that they even went so far as to back date it to XXXX XXXX and this email was sent on XXXX XXXXSo while the local store cancelled it and came out and turned it off at the pole and receieved there equipment they did not communicate it with there head corporation is what I was told and that I should have called in to there XXXX number to cancel so they try to retain me for a cheaper price and I have confirmed this is a tactic they use from a former employee who does this very job at XXXX
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (RI)

Wells Fargo My mortgage company XXXX XXXX had a data breach in XXXX. I was sent a letter in XXXX about the incident. My mortgage company is a sister-company. My name, social, and personal information was affected. 
We happened to receive a statement saying that I owed {$4900.00}. We called on XX/XX/2024, reporting that we did not make those charges. They had said that someone had called, and stated that they lost the cards and that they needed new cards sent to them. The company issued a new card to this person. The card number ending in XXXX is the card that we do not have, but the fraud holder does. I did not receive any notice that they were issuing new cards to anyone. Wells Fargo said they were going to do an investigation. Two weeks later, I got a letter saying that I was responsible for the charges. I called them and opened up a new inquiry. I sent my drivers license and documents that they sent me to fill out on XX/XX/XXXX. I am waiting to hear their results. 
On XX/XX/XXXX, I received a new statement with the amount still on it, however they moved the charges from the fraudulent card to my card.
Consumer complaint received 2021-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (OH)

XX/XX/2021, I used my relicard issued by USBank to pay my rent, cell phone and internet. Then tried to purchase something over the phone and the merchant said my card was denied had her run it again, still denied, which is embarrassing to begin with, check my account on app and everything looks fine, nothing wrong nor stating anything out of the ordinary. So went to ATM to get money to put on another card and to call back merchant so I can pay them what I had ordered, ATM denied me from MY funds, call the 24 number wait on hold for 37min. Girl that answered tells me I have to wait 24hrs until I can get money or charge anything, I complain and she says well if you go to a USBank branch and go have a teller get your funds it will work, drove 19 miles and waited in line another 20 min then had to give teller all my information so I could be entered into there computer system for that branch, try to get money and DENIED again, teller says go out and try the USBank ATM, denied ... .I 've been upset about this all night and sick to my stomach about it, wake up this morning and try charging something, denied. Call the customer service number that states they are there fir you 24/7 get to hold for next representative and recording comes on -all customer service representatives are currently busy please call back later-then click, hung up on now! This institution has refused me my money, cost me money and time and took time off my life with all the stress and time spent just trying to get something that is mine. I can not believe that thus is not a crime somehow ... .I have seen people go to jail for doing alot less to another human being. I doubt anything will be done and more then likely I will have regained my account from these criminals by the time you read this but this is the things that these banks should not have the right to be able to do. But they will because nobody ever does anything to them, I will not get any gas money nor reimbursed for my time or stress or humility I went through, nope they got what they wanted to do to the little consumer I am. Maybe one day we will win and this ignorance and power playing will stop but I'm not holing my breath. USBank I believe owes me money and a apology ... .good luck I say to myself, like I said it won't happen. I'm just wasting my time like I did half the day yesterday. Hopefully you have a great day and you don't have to ever experience this. Its just like someone just stole or better yet robbed you and you can't even go to the police about it. Its just so wrong.
Consumer complaint received 2018-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (AZ)

XXXX XXXX stated they would help improve my credit score and for nine months I paid XXXX dollars and my score did not improve and every time I sent an email requesting to speak to someone they would send me a boiler plate letter staing their method is proven and it takes time. I did what they said by sending them the responses and nothing was done. They never sent me a copy of the letters they were sending per my request so I dont know if they did anything or not.
Consumer complaint received 2020-09-18
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. (MA)

XXXX XXXX  WITH XXXX FOR {$380.00}??? How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
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: Experian Information Solutions Inc. (NY)

N accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, 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
Consumer complaint received 2024-03-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CA)

I transferred over money from one of my banks to Citi bank. It didnt seem to go through, so I tried again. A couple days later Citi bank showed that I tried to transfer the same amount of money twice. They took the first money transfer out of my account and have been with holding it from me for about 3 weeks now. They say I have to wait for a code in the mail but I still havent received it after almost 3 weeks are and not willing to give me my money back or even talk to me about what we can do about this situation with out me giving them a code the supposedly sent me in the mail but I have never received. They did sent me my bank card and bank card pin to the same address and I received them but never the piece of mail with a code Citi banks fraud department keeps referring to when Im trying to get them to release my funds.
Consumer complaint received 2021-11-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Portfolio recovery took my taxes in XX/XX/XXXX for a table set the store closed in XX/XX/XXXX they stil have a XXXX doller balance on my credit they took XXXX of my taxes its been 7 years there still try to threaten and tak money from me
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (FL)

i called an closed the account they never did and charge monthly {$40.00} i didn't new account was open i called they told me my new amount is {$80.00} ( past due ) they said it was their mistake and credit that amount and close the account then my credit report told me i had 52 points less due to past due account / deliquent i called them, they send me to send a letter to their credit repair still the same
Consumer complaint received 2020-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (TX)

This company has along history of financial gains from unsuspecting persons from military to civilians in researching their history. They have sent out a notice showing me a DOD referenced past due bill of XXXX ; when pressed the male caller at XXXX stated it was in reference to XXXX. This all with no documentation to support and then they had added penalties and fess of almost {$700.00} I requested no further calls to be made until documents could prove this claim. In calling both finance and XXXX there was/is no amounts outstanding or due. Further they never use a 3rd party agency for collection. In my opinion this is fraud being practiced across state lines into Texas. Further they are using a XXXX XXXX  in XXXX XXXX to have unwarranted payment sent to by credit card. This crosses several lines in fraud to criminal activity. I do not see how this activity can continue over the years. Please help stop this so others are not swindled. I would close by saying the XXXX XXXX in XXXX XXXX MO should be investigated for receiving these funds scared out of some folks! Wrong, very wrong even in this business ' operations in the US!!
Consumer complaint received 2022-04-01
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. (TN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Synovus Bank (WV)

In XX/XX/XXXX I paid this card in full, as I had done in the past, and did not use this card. On XX/XX/XXXX I attempted to use the card and it was declined. This happened at more than one merchant and it was declined. I called the customer service number on the back of the card on XX/XX/XXXX and it said there was no payment due and the credit limit was {$1000.00} with {$1000.00} being available. On Sunday XX/XX/XXXX at XXXX I missed a phone call voicemail was left and when I listened to message it was XXXX with XXXX XXXX   XXXX department needing to verify some recent activity on my card that ends with XXXX and gave number to call them back. At XXXX on the XXXX I called back and they stated they could see activity on my account and that there was a security hold on the account. She asked me a few questions and then said the security hold has been removed and you can use this card now. I try to use this card on XX/XX/XXXX and it was declined again. I called the number XXXX that had called me on the XXXX and I was transferred to customer service who then told me that my card had been closed in XXXX after review of the account. I realize they can close a card at any time. However, I had been a customer for over 12 years, never late and had paid it off before. I was told the account was closed after review. I said I didn't receive notification that this had happened and it was telling me on Saturday I had {$1000.00} available to use and your own employees told me that I could use it. They said the security department is a different area than customer service. I was told that letters don't go out and I said it would be a common courtesy to a customer that has been your customer for numerous years. I could have taken this card on vacation, not knowing it had been closed. That is poor business practice, besides the fact I have 12+ years of payment history on my credit report from XXXX. They should have, at minimum called me, or mailed me a letter and their security department should've told me on the XXXX that the card was closed. The automated system didn't tell me anything about account being closed when I called to verify amount available
Consumer complaint received 2018-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NJ)

Creditor continues to report incorrect information to credit bureaus. I have made several attempts to have the incorrect information corrected not verified with no result. Credit bureau continues to state that account was verified. Creditor reports the wrong balance, dates on account and state it was part of bankruptcy. The information reported makes it seems like I had at the time a separate mortgage ( double reporting ). This account was not part of a bankruptcy because the account was sold to XXXX XXXX XXXX  in XX/XX/2012 before I had applied for bankruptcy