davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

Established relationship with the company in XXXX, after my spouse was already serving a XXXX  XXXX  in the state of Texas. I had NO issues reviewing any data online or via phone app. I open a credit card in XXXX and then a checking account in XXXX. Still with no issues reviewing accounts, balance making payments ; basic maintenance. I even took out renters insurance and personal property insurance for the new residence. 

Here lies the issue after moving and updating the all address in XXXX, My husband was getting a letter to the new address about a change in address. I called the number on the letter and instructed that the profile for my spouse should reflect the current XXXX address. Then with in three days I no longer had access to my accounts on web/app, when I called USAA they told me that since my call there was a record that there was difficulties between me and my spouse, the account was then restricted. 

The restriction was coming from him being charged with felony charges and was serving a sentence for said felony that I could not longer have access to review the productions on web/app. These said products are individual products with no ties to my spouse.
Consumer complaint received 2022-01-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NH)

According to our original mortgage documents, our mortgage was vested at 80 % as of XX/XX/XXXX and 78 % as of XX/XX/XXXX. According to the law and our mortgage documentation, our PMI should have been automatically removed as of XX/XX/XXXX. 

At this point, our lender, Shellpoint mortgage will not remove PMI. We have contacted them repeatedly over the last XXXX years asking for them to remove PMI and they always have an excuse why it is not possible. 
They now claim that we were late for a payment in XXXX which makes our loan ineligible, but the PMI should have been removed before XXXX to begin with. ( BTW, that late payment was when they erroneously put us into forbearance instead of the deferment we requested due to XXXX. Now they are using their mistake against us. ) We would appreciate any help that could be given with this matter Many Thanks XXXX XXXX
Consumer complaint received 2022-07-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc (TX)

On or about XX/XX/XXXX I found a home I wanted to rent spoke with an individual on the phone I was to send a security deposit I thought I knew this person I thought I worked with her at the XXXX but it was a phony it wasn't it was a lie anyways I sent this lady {$600.00} through my chime bank account on XX/XX/XXXX and then on XX/XX/XXXX I had to send her another {$700.00} to get the keys to the home rental and of course that's when I found out when it was a fraud this lady I was talking to wasn't even a lady there were two emails she had given me that I had to send that I had to use because they didn't have a chime account and trying to send some money to anyone with their email and that's what we used their emails so I was on XXXX XX/XX/XXXX XXXX and I found the apartment for the house for rent on XXXX I don't think you need to know that but just in case
Consumer complaint received 2022-01-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC. (AZ)

I applied for mortgage refinancing through XXXX XXXX XXXX XXXX and my application was transferred to XXXX and I was approved and my rate was locked on XX/XX/2021. After going through the underwriting process I was told that everything looks good and they ordered the appraisal on my behave and it came back and was accepted on XX/XX/2021. Everything looked good till then, when I got an mail from the loan officer that there is a lien on the property for the city of XXXX that needs to be paid off as part of the financing process. And that was never brought to my attention by them before ordering the appraisal and my understating is that lien is due upon selling the house not refinancing. And as I explained to her that I don't want to pay that off now and sounds like it cant be processed on the terms and amounts we agreed on, then I am asking them to reimburse me for the appraisal fees amount since it was never explained to me before ordering the appraisal otherwise I wound not proceed. And this is not the right way to do business and you should be responsible for your mistakes.
Consumer complaint received 2022-10-06
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. (TX)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (CA)

My mortgage loan was sold from XXXXXXXX XXXX XXXX to Newrez Shellpoint in XX/XX/2023. I started my electronic payments to the new mortgage in XX/XX/2023. The mortgage company receive payments for interest and principal only. I pay the taxes and insurance myself yearly for the last 4 years when I opted out of the service ( the property is worth about {$450000.00} and the loan is less than {$100000.00} ). Now I started receiving letters and calls from Newrez to pay late fees and fines for almost {$800.00} and that I have not paid the loan because they created and escrow account without my authorization and diverting my payments there to, according to them, pay tax and insurance. Also that the house its going to be in foreclosure. This Mortgage company is committing fraud trying to create fees that doesn't exist and harassing me to accept their terms or they are going to ruin my credit and have the house sold to recoup their fictitious fees.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (UT)

NO LATE PAYS, ACCOUNT WAS IN DISPUTE WITH XXXX XXXX XXXX XXXX COMPANY KNOW THIS, I CALLED XXXX, EVEN YOUR EMPLOYEES AGREE IT IS REPORTED INCORRECTLY. I WON MY CASE, PAID YOU AND YOUR INTEREST RATES, NO LATE PAYMENTS SINCE THE CASE WAS IN DISPUTE AS YOUR COMPANY ALREADY ADMITTED TO THIS. DO WHAT IS RIGHT AND BACK UP YOUR EMPLOYEE 'S TAKE THE NEGATIVE INFORMATION OFF MY CREDIT REPORT TODAY.
Consumer complaint received 2020-10-16
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. (IN)

Information received back from dispute to XXXX XXXX validates my reason for dispute. 
Letter from XXXX XXXX states the reporting is accurate. ( See attached documents of reports showing multiple errors. ) 1. Letter states account was a collection as of XX/XX/XXXX? How is this possible when my last reported payment in full is XX/XX/XXXX? 

2. Account is still on report as collection as of today. XX/XX/XXXX. This is clearly inaccurate. 

3. Letter states that first delinquency date was XX/XX/XXXX? Credit Report clearly shows first delinquency date of XX/XX/XXXX. Which indicates rollback and illegal re-aging. 

4. One report shows paid, and other shows as derogatory thats still in collections. 

These are multiple inaccuracies which are in violation of my rights under FCRA law.
Consumer complaint received 2015-08-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (MS)

This was XXXX that was ordered by the Doctor. XXXX refused the test for XXXX. It had been ruled no longer covered by XXXX. XXXX said I was not responsible since it was a new ruling and that the Doctor and I were not aware it was no longer covered. My supplemental insurance did not pay since XXXX did not. The test for XXXX was a small portion of the testing and of the bill that was paid. The test for XXXX XXXX was ordered because of XXXX
Consumer complaint received 2022-01-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (TX)

XX/XX/2022 : A Venmo user attempted to use a phone number that previously belonged to me to use Venmo services. I had not yet changed my phone number associated with my Venmo account, and therefore the number should not have been valid on another device. This user was able to not only change my password, but also my financial information without my knowledge or consent. Venmo customer support does not operate after XXXX XXXX time, so I am not able to get a quick response for this theft and potential distribution of sensitive financial information, my debit card number, expiration date, and payment processor.
Consumer complaint received 2015-10-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (CA)

On the year of 2014 i was charge on a business account in us bank the account number was XXXX XXXX they overcharge me even do i have the fund on the account they said because some checks that i deposited where not free to cash out or something like that i found this unfear because they also send me before to XXXX i try to undestand but i couldnt
Consumer complaint received 2021-02-25
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: CITIBANK, N.A. (MA)

XX/XX/XXXX To whom this may concern, On XX/XX/XXXX I received a phone call regarding a vacation package. This was not out of the ordinary as I have done many in the past. So, I proceeded and purchased 2 packages, totaling the amount of {$1900.00}. 

The packages must be used within 2 years. Over the phone they told me blackout dates and provide a number to call to make the reservation. I was also told I would receive information in the mail regarding the packages. The only information I ever received was that one sole phone call. 

I finalized travel time with my family and tried to call the number provided. At the time the number rang multiple times then to a busy signal. I tried to call multiple times this day and a few more during the week without any success. 

My next step was to contact Citi Card Service. At this time, I was told by Citi Card that I had to wait the 2 years for the vacation company to honor the vacation packages. 

I then waited the 2years and revisited to charge with Citi Card Services. At this time, I was told by Citi Card that they could not reverse the charges due to it being too long to process. 


Citi Card Services, XXXX XXXXXXXX XXXXXXXX XXXX XXXX, SD, XXXX. Contact number XXXX or XXXX. 
Card Name ( at the time of the charges XXXX XXXX XXXX credit card ending XXXX. 
Credit Card Charges $ XXXX from XXXX XXXXXXXX XXXX. 





Warm Regards, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-25
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION (GA)

A car loan was opened with Credit Acceptance on or about XX/XX/2013 without my authorization. I have sense sent CA a certified letter with my police report and a letter advising them I am victim of identity fraud and requested they block their information my credit report. In turn they referred me to the law office XXXX, XXXX XXXX XXXX - GA XXXX XXXX. XXXX XXXX XXXX, GA XXXX, to complete a fraud package which included my signature 5 times, my identification and the police report. As of today, I have spoken to several people in the legal department at Credit Acceptance, all of which are advising me, they will not block their companies information until they investigate and that process takes up to 60-90 days.
Consumer complaint received 2021-02-25
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. (FL)

I am writing to you because you are my last hope as I am very sad and I do not know what to do.. I found accounts in my profile that I do not recognize. I do not know the origins of those accounts and can not understand the fact how they appeared in my profile. Please help me and check those accounts and if it is possible remove them because they are not mine and killing my report significantly! I am young professional and I need to move on in my life however due to Identity theft I can not afford many things now, and I am in critical financial situation. Hope for understanding and that you soon delete them from my account.
Consumer complaint received 2016-08-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (CA)

I paid the debt with a settle offer. Please help me remove it from my credit report because I am trying to purchase a home and this is slowing the process. Thank you for your help.
Consumer complaint received 2021-02-25
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. (FL)

I am writing to you because you are my last hope as I am very sad and I do not know what to do.. I found accounts in my profile that I do not recognize. I do not know the origins of those accounts and can not understand the fact how they appeared in my profile. Please help me and check those accounts and if it is possible remove them because they are not mine and killing my report significantly! I am young professional and I need to move on in my life however due to Identity theft I can not afford many things now, and I am in critical financial situation. Hope for understanding and that you soon delete them from my account.
Consumer complaint received 2020-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (MI)

Pnc will not allow me to connect my debit card to my XXXX account for the round up feature. They claim it is a security issue, yet my checking account is already connected for the monthly deposit I make into my XXXX account so it doesnt make sense.
Consumer complaint received 2020-07-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: USCB, Inc. (CA)

2017 I had XXXX  which medical was going to cover. On the the day of the XXXX  my medical had expired and no one told me if I still wanted to proceed with the XXXX. I tried by calling them and they told me that I had to pay still.
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (CA)

Hello, I hope everything is well. I'm writing due to issues with a refund for a canceled flight from XXXX, charged to my Wells Fargo account. 

On XX/XX/2023, I purchased a flight through XXXX to XXXX via XXXX 's partnership with XXXX for {$790.00}. However, I was notified immediately after the purchase that XXXX of my connecting flights had been canceled. I then was offered the option to cancel my flight for a full refund, which I accepted. I was then sent a confirmation of my cancellation on the same day, with a promise that the price of the flight would be refunded within XXXX billing cycle. 

However, the {$790.00} was never refunded. I reached out to XXXX and was told that it was an issue with my bank ( Wells Fargo ), and that I would need to open a claim with them. I submitted the claim, but after XXXX months was notified that it had been declined. When I spoke with a Wells Fargo representative, I was informed that they had reached out to XXXX and were told that all flights were non-refundable. 

When I contacted XXXX about this issue, they told me that on their end the refund had been completed and there was nothing they could do from their side. They said that Wells Fargo had filed the claim incorrectly against XXXX. Wells Fargo, on the other hand, has told me there is nothing they can do either as the fault is with XXXX according to them. 

After months of going back and forth between Wells Fargo and XXXX, I have been unable to connect representatives from both sides in a call and resolve this issue. The {$790.00} still has not been refunded. If possible, I would like to submit this complaint in the hopes of finally receiving the refund promised by XXXX. Thank you very much.
Consumer complaint received 2015-10-07
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

I originally filed complaint number XXXX against Select Portfolio Services, and their response, which I disputed, contains some outright falsehoods and misrepresentations : In the first part of SPS 's response, they said since they are only the servicer of my account, they could not respond to any allegations regarding origination. Why did it take so long to tell me this? And why are you responding to my right to rescind? In which response you say that my loan originated XX/XX/XXXX which it did, but my right to recision is based on a modification done XX/XX/XXXX, which is well within the 3 year limit. 
SPS also alleges that another lien was not paid off in the modification ; the fact that this collecting of funds XXXX used to pay off XXXX XXXX without my knowledge or consent was not disclosed in the modification is a major part of my complaint ( which SPS says is not their responsibility to respond to XXXX. I have ordered the following from XXXX Mortgage : Copy of Payoff Request from XXXX ( which I never authorized ), a copy of the payoff letter directed to XXXX, and a copy of the payoff check from XXXX and a copy of the release of lien sent to XXXX. As soon as I receive these I will forward to CFPB. 
The above is in response to SPS 's non-response. 
I have also registered a complaint against XXXX.
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (OR)

On XX/XX/2023 I received a call regarding supposed late payments on a XXXX XXXX issued by my Umpqua Bank  ending in XXXX. I have an excellent history with this bank. It was discovered that all statements on this account were being sent to the wrong address for the first 3 months I owned the card, and late payments were falsely reported to the credit bureaus.I was told by the agent at the phone number on the card ( XXXX ) That ELAN manages the account for Umpqua, and that due to the wrong contact information there was definitely enough evidence for me to file a dispute. All late fees were immediately removed by that agent and I paid the entire entire balance of {$310.00} that day. This same agent helped me write a letter to their Dispute Department and gave me the fax number to send it to. I was told that if I wrote this letter explaining what happened to the XXXX XXXX department that the false reporting would be removed from all credit bureaus within XXXX weeks, and I would be notified via email. 
I wrote that letter ( attached ) and faxed it on XX/XX/2023 to this fax number : XXXX. While applying for a personal loan last month, these lates showed up on all three major credit reports. I called ELAN to find out why they had not notified the credit companies and they said that there was no record of ever receiving my first letter and that nothing had been done. 

I immediately wrote a second letter ( see attached ) that said URGENT, and explained all over again what needed to be done. I faxed it to the same fax number as the first one asking for verification that they received it and got no response. They have no direct line to call. One week after sending the second fax I called ELAN back and they confirmed that the account was now in dispute status. I have zero confidence that they will resolve this in a timely manner so I am filing a complaint here.
Consumer complaint received 2015-06-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Daniels Norelli Scully & Cecere, P.C. (NY)

The offices of Daniels, Norelli, Scully & Cecere, P.C. mailed a letter to an address that I 've never resided in. Such address belongs to a friend. Therefore, my privacy was violated when they disclosed information regarding this particular debt to a third party. I 've never been associated with that address whatsoever. Even if my credit report was ran with permissible purpose, it would not display such address. I 'm not sure what means the debt collector used to obtain my friend 's address. I would surely hope that they did not run his credit report without permissible purpose.
Consumer complaint received 2020-10-16
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: LEXISNEXIS (NY)

After I was a victim of identity theft I contacted Lexis Nexis in good faith to place a security freeze on my Lexis Nexis file.I recieved a letter from them on XX/XX/XXXX confirm that the security freeze was in effect and would remain until I asked for it to be removed.However in XXXX of XXXX a third party with ill intentions claims that they recieved infomation about my credit file dirrectly from Lexis Nexis.This is a breach of the security freeze from XX/XX/XXXX and a violation of the FCRA.I trusted Lexis Nexis to be responsible and protect me from being exploited by companies looking to buy my information from them.I sent a certified letter to Lexis Nexis asking them to explain their error but they never responded back to it. At this point I am considering filing a small claims action against them.
Consumer complaint received 2015-10-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (VA)

iQ data is not providing me enough info regarding what I owe, how much I owe, why do I owe etc. 
Everytime I call to require debt validation letter, my bill is going up XXXX dollars, and they are hanging up phone on meI am willing to pay every single penny. I just wan na see what I owe