davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I scheduled to USAA for an additional principal payment to be made on my mortgage on XX/XX/XXXX. On XX/XX/XXXX, they incorrectly applied a part of these funds to interest instead of the full amount to my mortgage 's principal, which has also happened numerous times in the past. In XX/XX/XXXX, I filed both a CFPB and XXXX complaint on this same issue and was told " XXXX recently implemented a process that would have automatically addressed the payment issue you identified in XX/XX/XXXX. '' However, this process either was not followed or did not work on the payment I made on XX/XX/XXXX. When I called an agent to have the payments to be correctly applied, she failed to do so. I had to call a XXXX time where the new agent told me the 1st agent never took action to correct the payments. I've also requested to speak with upper levels of management to understand why this keeps happening as XXXX/USAA are incapable of appropriately servicing the mortgage, but have not heard back from anyone in either company.
Consumer complaint received 2022-08-19
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Paypal Holdings, Inc (NV)

Ive been trying to sign up for Venmo for the last 4 days and because Im in the process of a identification war against scammers in my neighborhood so I have completely nothing Im XXXX  due to this issue so Ive had to ask my family in a another state to put together something to help me and I cant even receive it because these people are saying my cell phone number is tied to a account and Ive never ever had a Venmo account ever in my name or on my phone number I have had my phone number for a little over 3 years
Consumer complaint received 2023-01-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (PA)

My wife and I are currently in the process of purchasing a home. On XX/XX/XXXX I was notified by my loan officer that there was a {$200.00} debt in collections attached to my credit report. The debt collector is IC System. Being this is the first time I have heard of this debt I was confused. The debt was placed in collections by XXXX XXXX for allegedly failing to return cable boxes to the company after selling a property they provided service for. The home was sold in XX/XX/XXXX. Being this home is a vacation rental, the cable boxes were actually transferred to the new owners to avoid service interruption. 

My issue is that there was no communication sent to either myself or my wife notifying us that XXXX still believes there is a debt. Spectrum failed to communicate the issue and IC System also failed to communicate the issue. I spoke to an IC System representative on XX/XX/XXXX to discuss their process. The rep said phone calls were made to my cell phone number and also my wife 's cell phone number. She confirmed that the phone calls do in fact show up as " XXXX '' on the call ID and that they do not leave voicemails of any kind. How is a consumer supposed to be notified of an issue or even think the issue is legit if no call back message is left or even instructions on who to contact to settle the debt? The rep also said XXXX letter was mailed to our primary residence in XX/XX/XXXX stating the debt issue. It was confirmed by the rep that the letter was not certified and there is no means to actually verify that we received it, which we did not. 

The {$200.00} is irrelevant. With proper notification it would have been settled. My XXXX  is that my credit score has dropped from XXXX to XXXX for a debt that I was unable to resolve because of poor communication. Since my credit score has dropped so much I am now being offered second tier mortgage interest rates instead of the best rates on the market. The home we are currently purchasing is nearly $ XXXX. Even a XXXX basis point change in my mortgage interest rate will cost me hundreds of thousands of dollars over the life of the loan. It is extremely frustrating. I was told by the IC rep that even if I paid off the debt my credit score still probably won't return to it's rightful level in the immediate future. 

The entire process conducted by both XXXX and IC Systems feels predatory and illegal from every angle. Any help is greatly appreciated on how to proceed. Thank you
Consumer complaint received 2022-10-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mandarich Law Group, LLP (CA)

I have previously filed a complaint in which they directed me to contact them directly which I have done so. It has been 2 weeks and have received no response. 

I received notice of XXXX XXXX XXXX threat to sue me in XXXX of XXXX. And emailed notifying them I was unemployed at the time due to work injury. Which is why I had stopped making payments and notified the original credit card company in XXXX since the injury had me out of work for over a year and a half and I was still having problems with it and finding a new job. I was employed briefly in XXXX before being let go due to covid also which is why I still was unable to make any payments. 

Supposedly they granted a 90day extension for hardship but I was never notified and they still have not been able to provide proof of that notification. They they sued me and the only documents I received was I stamped/ sealed documents that were not served to me or any family member the person that they served them to didnt even have the same last name and waited a month before showing me them. After I never received anything ( no court date notification or court appearance requirement etc ) until they sent a letter stating the judges ruling ( again no court deal or signature and it was on their letter head not the local court letter head ) for an amount of almost {$1000.00} more than what they were originally suing me for. They last correspondence on this site said that I should contact them to discuss a settlement which I have numerous times and have received nothing not a letter in the mail, email, or phone call. This is the only way I have received a response from them. I prefer a notification in writing either in response to my emails or a letter
Consumer complaint received 2023-06-29
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. (CA)

Those collection accounts where not mine this is unauthorised transactions i keep asking from them this information. why they haven't sent it to me yet? i've search the name of this collection agency and there not even registered to XXXX and just incase as well you will be looking for a copy of my SS card i lost it so i attached my passport for additional proof
Consumer complaint received 2022-08-06
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: Experian Information Solutions Inc. (AZ)

I contacted Experian twice about an incorrect account on my credit report. 

Experian is reporting that I have a collection account with XXXX XXXX XXXX XXXX, original creditor being XXXX XXXX XXXX I explained to Experian in detail that I dont know who XXXX XXXX XXXX is and that I have never opened an account with them. 

I submitted two dispute with Experian requesting them to remove this account, first dispute in early XXXX and a second dispute later in XXXX after the closed out my initial dispute. 

Additionally, I requested documentation from Experian on their debt verification method with both disputes. 

Experian has not provided me their debt verification method after either of the disputes. 

I filed a police report with the XXXX Police Department and provided it to Experian. The police report detailed the fact that I have never done business with XXXX XXXX XXXX, yet Experian insist on keep this account on my credit profile. 

Additionally Experian refuses to provide me their debt verification method, as is required by law. 

I plan to sue Experian for the damages they have cause me, and this complaint with CFPB is the first step in the legal action.
Consumer complaint received 2023-02-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AUTOMOTIVE CREDIT CORPORATION (TX)

Company is trying to collect a debt that is not even owed to them. I never signed an agreement with these people or have I signed any documents with these people. They keep putting this debt on my credit report and when i complain they take it off. This has been a vicious cycle that is causing irreputable damage to my credit profile. In addition to this when I called the company they admit that I do not owe them a debt ; however as you can see it is back on my credit report again.
Consumer complaint received 2023-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, around early XXXX of this year XXXX  there was an unauthorized transaction done for {$810.00} to the merchant XXXX  which i did not authorize. I did not know about it until i tried to use my debit card and my transaction was getting declined. Thats when i went and checked my account and seen the unauthorized transaction. I tried to submit a claim via the app which i am not very good at using but eventually a claim was submitted not knowing if i did it correctly or not. Either way i called a few days later to follow up about the claim and was told i needed to fax in a letter explaining the unauthorized transaction so they can move forward with the claim which I submitted right away. Ever since i have not heard anything back and no provisional credit has been given and this has really caused a huge financial burden for me. When i call i get no help or update and just keep getting forwarded to the answering machine. Its almost 2 months now without my money and i feel like bank of America isnt really doing anything to recover my money or at least provide me with a temporary solution/credit in the mean time and we are talking about {$810.00}. That was my rent money. Please help in possibly expediting a resolution to this please. I appreciate the help! Thank you!
Consumer complaint received 2022-09-23
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Real Time Group, Inc. (NV)

Cross referencing of information between the servicer communications and XXXX  assignment list donot match. Customer therefore will like to get a copy of all ACCOUNT STATEMENTS and SETTLEMENT OPTIONS OFFERS made starting from XX/XX/XXXX until the loan charge off date of XX/XX/XXXX. thank you.
Consumer complaint received 2022-08-06
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Onity Group Inc. (GA)

REQUESTING COPIES OF ALL PAYMENTS APPLIED TO XXXX XXXX XXXX XXXX XXXX. GA XXXX XXXX XXXX ALSO REQUESTING COPIES OF ALL DOCUMENTS PERTAINING TO THE ABOVE ADDRESS
Consumer complaint received 2022-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Atlanticus Services Corporation (AL)

I've been attempting to get a replacement card from fortiva credit card for months now. I now have to reach out to you guys because fortiva credit card company has been screwing me around with a replacement card for months. I believe it all started back in XXXX maybe XXXX and I had reached out here and there in attempts to get my card replaced I'm very upset I am a XXXX vet who served in the XXXX XXXX I'm diagnosed with XXXX and XXXX XXXX syndrome. The last thing I wanted as a small business owner is to be ignored by my credit card company where we have a contract for services. It is now come to a point where I have to involve the CFPB to get to comply with the original contract. 
I have made attempts to resolve this with them in the past but the only documentation I have is on the XXXX of XX/XX/XXXX of XXXX. In between those dates I had also made two phone calls, unfortunately I do not recall those dates. 

Thank you
Consumer complaint received 2020-06-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eagle Accounts Group, Inc. (IN)

I joined XXXX XXXX XXXX on XX/XX/2020. XXXX XXXX XXXX is located at XXXX XXXX XXXX XXXX , XXXX, IN XXXX. The assistant manager was extremly rude to me on several occations. Also they were not observing social distancing in the gym because the equipment was extremly close to each other and was very crowded. The gym was dirty and not where I wanted to go. I told the owner I wanted to cancel afer 3 days. He agreed and sent me a cancelation form. I filled it out and dropped it off to him. He would not give me copies of my contract or signed cancellation form. However I took him at his word that I would be cancelled and refunded my money. After 2 weeks, I did not see a refund. I notified him and he said he was not going to refund my money. He also stated if I disputed the charges with my cerdit card company, he would charge me for a full 3 months and addtional charges and send over to a collection agency. I did dispute the charges with XXXX XXXX Credit card. They reversed the charges. He has sent this over Eagle Accounts Group located at XXXX XXXX XXXX, XXXX, IN XXXX. They are trying to collect on a cancelled account and with added fees that I do owe. Please help as this company ruthless in its business practices and trying to extort money that is not due to them.
Consumer complaint received 2023-03-28
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. (GA)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

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 XXXXXX/XX/XXXX.
Consumer complaint received 2023-03-28
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. (IN)

I am writing to dispute the following addresses. It does not belong to me. I never lived in these addresses and I was contacted by a collection agency regarding the accounts that are associated with these incorrect addresses. I have no knowledge of obtaining any of the inquiries listed here.
Consumer complaint received 2023-06-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, EQUIFAX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX XXXX  Inquired on XX/XX/XXXX, XXXX - XXXX XXXX  Inquired on XXXX XXXX, XXXX, XXXX - XXXX XXXX  Inquired on XX/XX/XXXX, XXXX  XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX & XXXX Inquired on XX/XX/XXXX.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I noticed some inaccurate and unverified accounts on my credit report, I sent a dispute to Experian and they refuse to do a proper investigation. they keep sending me back notices saying my accounts were verified, I know this is not true because I reached out to the data furnishers and they were unable to provide me with any debt validation. Experian keep using their data matching system e Oscar and is adamant about not doing a proper investigation. The data furnishers stated they had no information on the accounts, so hw in the world did Experian verify these accounts. I reached out to the XXXX  to complain and the XXXX  said Experian did not respond to them. please help my next step is to file a lawsuit.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TRANSUNION is reporting false balances and the credit score is XXXX points lower the the other bureaus. I tried talking to them and they won't help. Isn't this FRAUD on there part? I want them to fix this
Consumer complaint received 2023-06-29
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: EQUIFAX, INC. (TX)

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

The letters are stated with items and issues.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, I wired money {$2700.00} to my mortgage company and somehow my room mate got {$2500.00} out of my account via XXXX,  afterwards, I don't know how or when he did this. I find out that mortgage wire came back due to lack of funds, and complained the next day and I thought it was handled but it wasn't, I sent in my complaint, and on XX/XX/XXXX they said they are still working on it but they deposited the money. on XX/XX/XXXX the money or decision was reversed.I dont understand it doesn't make sense why would I withdraw money or send it to XXXX the same day I pay the mortgage. XXXX has even admitted taking it without my permission. and owes me another {$2500.00} for 3 months past rent. and I feel that he somehow got it reversed and is scamming me I am filing charges on other matters. 
First the Wire shouldn't have been returned that caused a mortgage late. 
secondly why was a amount taken that was not even in the bank and was very suspicious. 
Third I didnt authorize it, I filed a police report and they said they would reopen it and look at it. the day I faxed it they said they were staying with their denial of returning my money It was filed at the XXXX XXXX police station. And the bank will have me on hold for over a half hour. I would have done it sooner but I am evicting the guy, and took time.
Consumer complaint received 2022-11-20
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. (DE)

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

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.