davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

My cell phone and wallet were stolen from me on XX/XX/2023. The criminals were able to gain access to everything in my phone which included my USAA banking application. After calling USAA, letting them know that a crime happened and they needed to put a hold on all credit and debit transactions, the criminals were able to keep using my account information.
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: TRUIST FINANCIAL CORPORATION (GA)

******************THIS IS A NEW COMPLAINT*****************TRUIST HAS TAKEN FUNDS AGAIN WITHOUT AUTHORIZATION*************************THIS IS NOT A DUPLICATE**************************TRUIST HAS BEEN NOTIFIED PER MY LAST COMPLAINT REGARDING UNAUTHORIZED FEES BEING DRAFTED FROM MY ACCOUNT. THEY HAVE TAKEN FUNDS OF {$55.00} FOR OVER 4 YEARS FOR PAYROLL SERVICES THAT I DID NOT AUTHORIZE AND TRUIST HAS CONTINUED TO DRAFT FUNDS FOR UNAUTHORIZED FEES. ON XXXX/24, TRUIST DRAFTED {$35.00} FROM MY ACCOUNT FOR " SERVICE CHARGES '' -WHICH AGAIN ARE UNAUTHORIZED FEES. THIS BANK CONTINUES TO TAKE FUNDS OUT OF MY BUSINESS ACCOUNT WITHOUT AUTHORIZATION. ON XXXX/24, TRUIST CREDITED THE {$35.00} BACK. THIS BANK HAS NOT PROVIDED MY REFUND FROM THE UNAUTHORIZED PAYROLL FEES AS THIS HAS BEEN FORWARDED TO THE CFPB, FDIC, XXXX  AND NOW I WILL SEEK LEGAL ACTION AGAINST THE BANK. THIS BANK HAS BAD PRACTICES BY TAKING FUNDS UNAUTHORIZED. THIS BANK IS CONTINUOUSLY TAKING FUNDS OUT OF MY TWO ACCOUNTS EACH MONTH AND AFTER REPORTING THE LAST INCIDENT WXXXX, TRUIST STILL HAS TAKEN FUNDS OUT OF MY ACCOUNT AFTER MY COMPLAINTS TO UPPER MANAGEMENT, CORPORATE OFFICES TO INCLUDE MY ATTORNEY. TRUIST NEEDS TO REFUND ALL MY UNAUTHORIZED DRAFTS IMMEDIATELY.
Consumer complaint received 2024-03-06
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (CT)

I purchased a Vanilla branded Visa gift card on XX/XX/year> for {$400.00}. When I went to use the card the balance had already been depleted. I have created a case with Vanilla disputing the charge and I have provided the documents they requested. They have not responded to me even after multiple prompts from me. 

The case number is XXXX
Consumer complaint received 2024-03-06
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (MD)

XX/XX/XXXX I was notified via email by XXXX XXXX that I had a debt of {$4100.00} from the collection agency by the name of COLUMBIA DEBT RECOVERY LLC DBA GENESIS for XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Maryland. ORIGINAL CREDITOR : XXXX XXXX PLACED FOR COLLECTIONS ON : XX/XX/XXXX. I have never lived at that location. I have lived at the same address since XX/XX/XXXX to XXXX. On the record of the debt the birth date and email are not correct.
Consumer complaint received 2020-11-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (TX)

XXXX XXXX XXXX is a deplorable operation that breaks every rule pertaining to actual debt ownership and legal enforcement procedures. 
CASE NUMBER : XXXX I XXXX XXXX submitted a written answer to the above referenced lawsuit earlier this year. I along with the rest of America have been trying to surround a pandemic, and I deserved at least a hearing pertaining to actual ownership of any acquired debt by XXXX XXXX XXXX XXXX. If I was granted at least a hearing I would have demanded true copy ordinality of ownership of any debt acquired by XXXX XXXX XXXX, XXXX. I claim that no such documentation exists in the file contained with your court. XXXX XXXX XXXX XXXX has throughout the last decade ben a defendant on multiple class action lawsuits collecting on phantom debts. If there is not true copy original documentation relating to ownership, then this debt should never have been considered enforceable. 
I would be granted relief in a federal court, but there simply is not a {$75000.00} standard on damages. I am however right in my position that this default judgment is unwarranted. 
II. LEGAL STANDARD Under 28 U.S.C. 1441, a defendant may remove " any civil action brought in a State court of which the district courts of the United States have original jurisdiction. '' A federal court has original jurisdiction over a civil action where there is complete diversity among opposing parties and " the matter in controversy exceeds the sum or value of {$75000.00}, exclusive of [ *4 ] interest and costs. '' 28 U.S.C. 1332 ; see also Carden v. Arkoma Assocs., 494 U.S. 185, 187, 110 S. Ct. 1015, 108 L. Ed . 2d 157 ( 1990 ). Typically, a defendant must file a Notice of Removal of a civil action within thirty ( 30 ) days of receiving the complaint. 28 U.S.C. 1446 ( b ). However, where it is not evident from the face of the complaint that a case is removable, " a notice of removal may be filed within thirty days after receipt by Defendants... of a copy of an amended pleading, motion, order or other paper from which it may be first ascertained that the case is one which is or has become removable. '' 28 U.S.C. 1446 ( b ) ( 3 ). Additionally, when a case is removed, " all defendants who have been properly joined and served must join in or consent to the removal of the action. '' 28 U.S.C. 1446 ( b ) ( 2 ) ( A ). 
I demand the vacate of the default judgment and I will take this insult to the Texas judicial system to the Federal Trade Commission and the Consumer Financial Protection Bureau. The law firm involved in this injustice will have to answer to the Texas Bar Association. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: I.C. System, Inc. (KY)

XXXX writing to express my frustration and disappointment as it has come to my attention that, despite previous communication, I have not received the requested Affidavit of Truth from this company. This matter is of utmost importance, and the failure to provide this document is causing undue inconvenience. 
Unauthorized Reporting of Personal Data, your prompt attention to this matter and request a thorough investigation into the unauthorized reporting of my data. Additionally, I request that all inaccuracies be promptly corrected and that I am provided with a written explanation of the actions taken to rectify this situation. If this matter is not resolved satisfactorily within 30 days from the date of this statement, I reserve the right to pursue legal action to protect my rights under the FCRA. I hope it does not come to that, and your bureau takes the necessary steps to rectify this situation promptly. I appreciate your immediate attention to this matter and look forward to a swift resolution.
Consumer complaint received 2024-03-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I am writing to express my extreme frustration and disappointment with the way XXXX has handled a billing issue, resulting in wrongful charges and a significant negative impact on my credit report. I have been a loyal XXXX customer for several years, and it is disheartening to find myself in this predicament. 

Approximately four years ago, I returned two hotspot devices to XXXX upon terminating my service. At that time, I had contacted your customer service, and after an initial charge for the devices, the charges were removed. Unfortunately, it has come to my attention that three years later, after I had already terminated my service, XXXX claimed that I still owe for one of the devices. 

Despite repeated requests and my persistence in informing XXXX that I had indeed turned in both devices, your company proceeded with a cursory search and claimed to have found only one of the devices. This is in stark contrast to the thorough search conducted when XXXX initially claimed that I had not turned in any devices. It is evident that there has been a significant oversight or mistake on your part, which has now escalated to the point of selling the alleged debt to a debt collector. 

The repercussions of this erroneous charge and subsequent impact on my credit report can not be understated. As an XXXX XXXX XXXX XXXX in XXXX XXXX, maintaining a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The sudden and dramatic decline in my creditworthiness due to XXXX 's error now threatens my ability to retain this clearance, thus jeopardizing my career. Moreover, the adverse effect on my credit has forced me to acquire new accounts with high-interest rates, causing financial strain and unnecessary expenses. 

I demand an immediate and thorough investigation into this matter. It is imperative that XXXX rectifies this situation promptly by removing the incorrect debt from my credit report and taking appropriate steps to compensate for the damages caused. I expect clear communication regarding the progress and resolution of this issue. 

I would appreciate a written response within 30 days of receiving this letter, outlining the steps taken to address and rectify this matter. Should this issue remain unresolved, I will have no choice but to escalate my complaint to relevant regulatory bodies and pursue legal action to protect my rights and rectify the damages caused. 

I trust that XXXX values its customers and strives to uphold its reputation for excellent service. I hope this incident can be resolved swiftly and fairly, allowing me to continue my professional obligations without unnecessary obstacles. I look forward to your prompt attention to this matter and a satisfactory resolution.
Consumer complaint received 2020-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (IL)

On XX/XX/2020, I received info that I have a balance with Target credit card 0f XXXX $ and it was overdue so a missed payment fee was added to the account- fee of 30 . I did not remember making any recent purchases with that card in XXXX, at the mentioned location, as it was far from my house or the location where I shop usually also, when I checked my wallet, I saw the card missing. 
I called the customer service to require more info about the purchase and was told that they can put the dispute under investigation. I asked if I have to make a payment while the dispute is reviewed and was told that _NO, until a decision is made I have no payment to make. 
On XX/XX/XXXX I recieved the letter stating that my dispute is denied and I have to make a payment, so I did pay the amount required. At that point I also noticed that they added one more late fee of XXXX $ to the account, so my balance was XXXX $ already. 
so they added the amount before I was aware of the decision regarding the dispute, and they also reported my account to the credit bureau and that affected my credit history by 120 points. 
I had an account with them for over 3 years, and my account history was positive. I was a good paying client. It is not professional to Add an extra fee to the account before I have info regarding the dispute and also to report me to the credit bureau before the status of the dispute is announced to me. 
I found out about the status on XX/XX/XXXX, that is when I recieved their letter and I paid my balance right away. On XX/XX/XXXX I recieve a call from Target collection department and the lady is asking for a payment. I told her that I payed yesterday, she double checked and confirmed the ayment was made. After 1 week I found out that my account was reported to the credit Bureau and that lowered my credit by 120 points. 
I called Target to clarify why they reported me, before the status of the dispute was announced to me and why I was reported if my balance was cleared. The lady advised me to file a dispute with XXXX regarding the activity and that Target will also follow up with a letter to XXXX to inform that my account was wronfully reported, due to the fact taht I still had a dispute open or the dicision on the dispute was not announced to me, when the account was reported. 
On XX/XX/XXXX I followed up with XXXX and they Informed me that as of XX/XX/XXXX Target informed XXXX bureau that I had a balance of XXXX $ still open on my Target account. 
Please assist me and advise me on how to proceed and also to fix my credit score. 
I believe Target services were acting unprofessional and it was wrong to report me to the Credit bureau before the decision on the dispute filed was announced. Also it was wrong to report on XX/XX/XXXX that I still have an open balance of XXXX $ when my balance was covered the account was up to date in XX/XX/XXXX.
Consumer complaint received 2020-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (IN)

I canceled and returned my cable equipment received a receipt. I have been so frustrated getting nowhere with XXXX XXXX. Can you help? 

Below is who has the debt now Credit Control Corporation, XXXX XXXX XXXX, XXXX XXXX, VA XXXX I have never had a good experience with XXXX.
Consumer complaint received 2024-03-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc. (MO)

My home loan was recently transferred/sold from XXXXXXXX XXXX to a " Mr. Cooper Mortgage '' company. During this process XXXX XXXX said that my mortgage was transferred/sold and they could not help me any longer, and that I would have to call Mr. Cooper Mortgage . I no longer had access to my previous online account, and they would not help me over the phone. 
In the meantime, I kept calling Mr. Cooper Mortgage and asking for help to find out about my escrow account being short, making my house payment rise drastically. Mr. Cooper Mortgage kept telling me that they did not have any of the information, even though their own phone recording says that all information had been set up in their system. In all of my phone calls to Mr. Cooper Mortgage, they told me they had all of my information... everything EXCEPT my escrow information, which is what I needed the most. 
In the short time period I have been with Mr. Cooper Mortgage, they are by far the most difficult company I have ever had to deal with when it comes to talking with an actual person! It is extremely hard to get through for information. 
Since Mr. Cooper Mortgage would not help me during this transition, my house payment has risen drastically. I should have been given the opportunity to pay on my escrow shortage and lower my payment back down. I did send them a payment online once I saw it posted, but they are now telling me that it will not lower my payment. This should be illegal.
Consumer complaint received 2024-03-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Onity Group Inc. (TX)

Itried sen ding them mulltiple application ffor a loan modification but they dont process my application for a loan modiffication, they only want the whole reinstatement amount and I dont have $ XXXX. 

I have a stable business income and PHH dosent want to give me an opprtunity to pay my moragage.
Consumer complaint received 2024-03-06
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: DISCOVER BANK (KY)

XXXX writing to express my frustration and disappointment as it has come to my attention that, despite previous communication, I have not received the requested Affidavit of Truth from this company. This matter is of utmost importance, and the failure to provide this document is causing undue inconvenience. 
Unauthorized Reporting of Personal Data, your prompt attention to this matter and request a thorough investigation into the unauthorized reporting of my data. Additionally, I request that all inaccuracies be promptly corrected and that I am provided with a written explanation of the actions taken to rectify this situation. If this matter is not resolved satisfactorily within 30 days from the date of this statement, I reserve the right to pursue legal action to protect my rights under the FCRA. I hope it does not come to that, and your bureau takes the necessary steps to rectify this situation promptly. I appreciate your immediate attention to this matter and look forward to a swift resolution.
Consumer complaint received 2024-03-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC (GA)

The debt was allegedly opened on XX/XX/2023 and has a balance of {$380.00}. I have requested Verification and validation of debt as well as the means by which debt was validated and/or verified.
Consumer complaint received 2024-03-06
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: DISCOVER BANK (FL)

Discover Bank, XXXX, XXXX XXXX : XXXX, This account is fraudulent. I Never authorize this account. Never used the account. Never sign any documents for this account. Never Sing any online document showing my IP Address or location for this account. I never took advantage of this account. There is no proof that attached me to this account. 

I am a victim of fraud and identity theft. There is someone unknown to me that has used my personal information for diverse purposes including but not limited to obtaining financial services, credit accounts, utilities, insurance, etc. Taxes XXXX be filed on my name in my current or other jurisdictions in the United States.
Consumer complaint received 2024-03-05
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis ()

This debt is unknown, owner of this credit report has no knowledge of all the parties involved. Owner never lived in that state where apparently debt originated from. Owner never engaged in XXXX, nor lived in that state. Remove this from my Credit report, until we dive into what is happening, to prevent more casualties this is causing on my end.
Consumer complaint received 2020-11-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I disputed several unauthorized inquires found on my Trans Union credit report. They received the dispute on XX/XX/20. I have not received any results at all. According to the Fair Credit Reporting Act, they have 30 days to complete the investigation. Today is XX/XX/20, which is well over the 30 limit. I request that they the delete all items disputed immediately.
Consumer complaint received 2024-01-26
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)

Credit Karma, on around XX/XX/year>, dropped my credit score XXXX points, all my accounts are current, and have always been current threw the life of my credit reported. 
I received credit card offers, loan offers, card loans offers, from Credit Card Karma weekly. 
I strongly believe this company is lowering my credit score, for I will be forced to go to one of there partners, to obtain a high interest personal loan to pay down on my little total credit debts of under {$5000.00}, This is a fraudulent direct abuse of credit reporting power.. 
My next step is Texas Attorney General, to file formal complaint
Consumer complaint received 2024-01-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MT)

I tried to make my mortgage payment for a year and have witnesses a lone specialist that tried to help me make bank of America accept my payment so I would not loose my home and finally the lone specialist made them give a amount and it was XXXX with in a week it increases to XXXX and I managed to come up with the money and sent it over night with XXXX XXXX and was forcibly removed from my home the next day. ( they already sold my home to someone else ) Lost my 10 year investment all of my belongings and my will to live! I have been homeless ever since.