davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

Found out in XX/XX/2023 that my auto policy was renewing in XX/XX/2023 with and went from {$760.00} to {$980.00} for a 6 month policy. I spoke with 2 reps and informed them that I wanted to discuss and discounts that U qualified for because I couldnt afford to stay with them with the increase. I was told that if I enrolled in the safe pilot program, I would get at least a 10 % participation discount as well as up to a 30 % discount. I called back when the policy renewed because I received no discount as promised by two representatives. I downloaded the app and had it monitor all driving habits 24 hrs a day for 2.5 months. I was then told that I had to now wait until the next policy renewal in XXXX because I was supposed to be enrolled in before XX/XX/XXXX for it to be effective for this term. I was told that I shouldve at least received the 10 % participation discount but they had no idea how to apply it. 

A supervisor of USAA suggested that I complain about the issue and transferred me to XXXX ext XXXX of the USAA advocacy team on XX/XX/2023. Our initial conversation on XX/XX/XXXX went well but our follow up conversation today ; did not go well. XXXX accused me of lying about downloading and using the XXXX app in the past and kept loudly saying that her decision is final. On multiple occasions, I requested to speak with someone else ( her supervisor ) and informed her that both her tone and mannerism were both unprofessional and unwarranted, but I my request went unanswered. Im told that the calls are recorded so it should be easy to hear the entire conversation. 

Ive been with USAA for 19 years which is my entire military career and use them for car insurance, life insurance and home owners insurance and demand respect, professionalism and honesty. My acct has now been charged the inflated price while I look for auto coverage elsewhere. However, If I was promised a discount by 2 employees on separate recorded calls ; then that discount should have been honored.
Consumer complaint received 2023-04-05
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. (VA)

I'VE CONTACTED THE BUREAUS MULTIPLE TIMES REGARDING THIS ACCOUNT. PROVIDING DOCUMENTATION OF WHO I AM AND WHERE I'VE LIVED INFORMING THEM THAT THIS ACCOUNT HAS NEVER BELONGED TO ME.
Consumer complaint received 2021-09-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

We are not able to see the scheduled activity on the portal. As we waited for the auto payment to take an effect. We are not able to cancel or see any scheduled payment. Out of the sudden we are surprised by double overdrawn from FIFTH THIRD BANK
Consumer complaint received 2024-05-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (IL)

Funds in the amount of {$450.00} and the required form to request removal of PMI based on current market value of my home were submitted AND process by the mortgage servicer, Shellpoint Mortgage Servicing, on XX/XX/XXXX. The servicer misapplied funds to principal only upon receipt. When I noticed this on my account XX/XX/XXXX I called to notify them of their error. Since that time, I have not received any calls or contact from an appraiser to complete the work. I made multiple follow up phone calls to address this and received a different story each time and was also told that they could not give me a name of the appraisal company selected. I also received a letter dated XX/XX/XXXX from Shellpoint indicating that I need to submit {$190.00} for a BPO to process PMI removal. This is obviously contradictory to the amount and form they already have on file. During one of my contacts with one of their customer service representatives on XX/XX/XXXX, I was informed that the servicer uses " XXXX XXXX XXXX which is also a XXXX XXXX approved automated valuation model tool and at that time I was asked what I thought my home value is, to which I answered $ XXXX, and she told me that value was accurate based on that. This amount is MORE than sufficient to remove PMI, yet Shellpoint has taken no action to date to remove PMI based on that value and I still have yet to be contacted by an appraiser. It has been SEVEN weeks since they logged my form and the funds clear my bank in XXXX. There is absolutely no reason for this process to be taking this long and I believe Shellpoint to be dragging this process out unnecessarily which is costing me money in PMI payments that should have been removed prior to today.
Consumer complaint received 2024-04-30
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

I bought a new XXXX XXXX XXXX XXXX XXXX on XX/XX/year> from XXXX using 12 months equal XXXX  with XXXX interest. Total amount is {$2500.00}. XXXX does it using a Synchrony bank credit card. My card is on auto payments with full amount, so Synchrony has some issue and they took the entire amount. I called back and they said, it happened due auto payment of full amount and they reversed the transaction and said they will issue a cheque. I never received this amount back. in the next cycle, they again charged my debit account with the full payment stating the same reason. 
I got charged in full twice and I never received the money back.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Onity Group Inc. (NY)

15USC CODE1681 Consumer reporting agencies have assumed a vital role in assembling a and evaluating consumer credit and other information on consumers. 

15USC CODE 1681B In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2023-04-05
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. (UT)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-05
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. (MS)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had a XXXX XXXX XXXX XXXX ( ends in XXXX ). In XXXX XXXX, I paid off all purchases, and decided to cancel the card because of the high annual fee ( {$95.00} ). When I spoke with a XXXX rep ( early XXXX ), I was assured that the fee would be credited. It was not. I called again in early XXXX, and was again told that the fee would be credited, including the late fee XXXX charged ( for an item that should have been credited ). Apparently, that did not work either, because on XX/XX/XXXX, I got messages that my credit score changed ( it is typically between XXXX and XXXX ). 
I called XXXX on the same day ; spoke with a supervisor ; and had my concerns validated. XXXX had not only no credited the fee ( which is forward-looking ) as promised, but then sent derogatory reports to credit agencies regarding the non-payment ( for a card that had been cancelled ). When I spoke with the supervisor, she said that the fee would be credited, but the reports would not be withdrawn. 
This is not only going against the promises XXXX reps made, but is an entirely illogical outcome. 
Please, request that the XXXX customer service dept. credit the fees, as promised, and retract any and all derogatory reports the bank may have sent to the credit bureaus. Thank you.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Ive reached out to XXXX, XXXX, and Equifax in writing requesting the process by which they verify public information that they are reporting on my name. I still have not received any response. The request I have made to them is below : PLEASE SHOW ME VERIFICATION THAT FOR ALL THE INFORMATION REPORTED ON MY CREDIT IS BEING TAKEN FROM THE ORIGINAL SOURCE. ANY THIRD PARTY INSTITUTE OR SOFTWARE IS NOT SUFFICIENT TO PROVE VERIFICATION. THE COURT ALSO DOES NOT RECEIVE ANY DATA FROM YOUR COMPANY SO I NEED PROOF OF VERIFICATION THAT YOU ARE USING THE CORRECT SOURCE. 


XXXX XXXX XXXX : Bankruptcy Original filing date : XXXX XXXX XXXXXX/XX/year> Reference Number : XXXX Record Type : Voluntary XXXX Court : US BKPT CT CA L A XXXX XXXX XXXX Bankruptcy : Bankruptcy Reference Number : XXXX Date Filed : XXXX XXXX XXXX  Classification : Bankruptcy Type : XXXX  XXXX Bankruptcy Responsibility : Individual Asset Amount : XXXX Equifax XXXX XXXX : Bankruptcy Reference Number : XXXX Date Filed : XXXX XXXX XXXX Classification : Bankruptcy Type : XXXX  XXXX Bankruptcy Responsibility : Individual Asset Amount : XXXX
Consumer complaint received 2023-04-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (WI)

On XX/XX/ American Express XXXX XXXX locked me out of my online savings account when I tried to transfer funds to another verified bank. I have repeatedly tried to contact them to no avail. They are holding my money hostage. I believe they simply do not want the customer to transfer funds out. This has got to be criminal.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

On my credit report Equifax is reporting a collection account from XXXX XXXX XXXX, in the amount of {$5700.00} a medical bill I have disputed this account and Equifax has failed to remove the account, the finding were verified as your account. 

XXXX XXXX XXXX is not authorized to collect in the state of North Carolina and Equifax has failed to perform the duties of the FCRA, 15 U.S. Code 1681 SECTIONS ( 602 ) ( A ) ( 1 ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Section 1681o authorizes a consumer to recover actual damages sustained from the consumer reporting agency 's negligent violation of a requirement under FCRA. Actual damages include humiliation or mental distress, Congressional findings and statement of purpose, ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
EQUIFAX HAS COMMITTED CREDIT DEFAMATION AGAINST ME BY PLACING THIS COLLECTION ACCOUNT ON MY CREDIT REPORT AND REFUSING TO ACCURATELY VERIFY IF THE COLLECTION AGENCY WAS AUTHORIZED TO COLLECT IN MY STATE, THEY FAILED TO VERIFY THE INFORMATION WHEN I DISPUTED IT.
Consumer complaint received 2023-04-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TRUIST FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Truist Bank d/b/a XXXX XXXX XXXX XXXX XXXX, GA XXXX Reference ID XXXX On XX/XX/2021, Truist Bank d/b/a XXXX denied XXXX XXXX XXXX the extension of credit. Credit is a Right of XXXX XXXX XXXX. XXXX XXXX XXXX is fully aware that credit reporting is voluntary, and XXXX XXXX XXXX gave no consent to any information that shows on the consumer report. ( Reference C.F.P.B. article attached ). This transaction was unfavorable, which makes it adverse, yet nothing under adverse action gives you the right to deny the extension of credit. XXXX XXXX XXXX is fully aware of what a credit card is. XXXX XXXX XXXX credited this transaction as a creditor from his credit card. Truist Bank d/b/a XXXX has committed a crime, XXXX XXXX XXXX 's credit card was used and there has been no benefit to him. XXXX XXXX XXXX has been misled through the conduct of Truist Bank d/b/a XXXX by concealing that which should have been disclosed which deceives and is intended to deceive. This transaction was a blatant discrimination of rights. 

Respectfully XXXX : XXXX XXXX Without prejudice, all natural inalienable rights reserved
Consumer complaint received 2024-02-20
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: EQUIFAX, INC. (OH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently checked my credit report and noticed a two new accounts showing that doesn't belong to me. XXXX XXXX XXXX in the amount of {$3900.00}, And XXXX XXXX in the amount of {$680.00}. 

I spoke with someone over the phone for both accounts and they said that there was a medical debt in my name. I have no medical debt. I informed them that the debt was not mine. they told me to bad so sad. I then spoke to the hospital XXXX of XXXX and explained what was going on. I was once again turned away, telling me they don't care and i need to report this with someone else. 

XXXXXXXX XXXX and XXXX XXXX  have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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, States a consumer reporting agency can not furnish an account without my written instruction 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 7 years. 
U.S.c 1681s-2 ( A ) ( 1 ) states 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 the information is inaccurate.
Consumer complaint received 2016-05-06
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Neighborhood Assistance Corporation of America ("NACA") (FL)

XX/XX/XXXX, I enrolled in and enlisted mortgage modification assistance from my local NACA Program in XXXX, FL. It was confirmed that my mortgage situation met the criteria for assistance through the Program. I followed the process steps completely and I was presented with the modification option ; I was encouraged along the way by my assigned NACA Agency Counselor face to face, via telephone and email. As the process unfolded I received a XXXX package with the modification terms and details ; to my knowledge these specifics were negotiated by my NACA Counselor on my behalf. However, upon closer inspection this year, I 've discovered that this " modification deal '' contained many elements that has locked me into many years of hardship - specifically 'predatory lending ' at its best. For example, the new terms include ( 1 ) a XXXX and XXXX mortgage, ( 2 ) a final balloon payment and ( 3 ) loan maturity date extended out to year XX/XX/XXXX. Upon this discovery I contacted my former NACA Counselor and returned to my local NACA Agency office. To my surprise I was met with finger pointing suggesting that I had accepted a 'streamline ' offer and that NACA could not support my choice ; furthermore NACA had no paper trail of the offer I had accepted and they were certain that NACA had not negotiated a loan modification on my behalf XX/XX/XXXX. The NACA Counselor then asked that I provide copies of original loan modification agreement for her inspection. The documents were scanned at my local NACA Agency and I was contacted by my original NACA Agency Counselor ; she immediately pointed out that the deal was exorbitant, reeked of predatory lending and I should file a complaint with CFPB. Lastly, when I asked about a remedy the Counselor advised that there was no recourse through the NACA Program and that I ( 1 ) could just make the payments because the amount was nominal or ( 2 ) refinance the mortgage to mitigate the XXXX and XXXX mortgages and the large balloon payment.
Consumer complaint received 2023-04-05
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. (AZ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX CA XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-01-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Coinbase I had XXXX worth of virtual coins. As soon as the market started going up my account was locked. Once I managed to get into my account the money was gone showing empty funds. 
I have contacted coinbase several times with no luck. 
This has been going on for over 4 months, today my virtual currency would be worth up to XXXX. 
My case number is XXXX
Consumer complaint received 2024-02-20
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: EQUIFAX, INC. (TX)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Send me physical documentation that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, I DEMAND immediate DELETION of these items from my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with an accurate consumer.

C - Conduct reasonable investigations of consumer disputes According to CRRG, to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. 
This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX - Account XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

XXXX XXXX XXXX - Account XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report.