davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WI)

On the morning of XX/XX/XXXX my credit card was used with the pin number to withdraw over {$3000.00} in less than an hour. USAA has not been helpful in the slightest. They ignore my phone calls and take days to respond. Somewhere between XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, my cards were lost/stolen. I had no idea I was missing them until the next day. According to their policy only {$1000.00} should be able to be taken out on a credit card in a XXXX hour period. The fraud department told me it varies based on ATM while over 6 reps in the credit card department have told me it is a {$1000.00} limit and confirmed it is not ATM based. Their system failed and they are trying to make me pay for it. This has been very difficult to resolute. USAA made no effort to look into the fraud, they never bothered to try to gain video footage. 2 of the locations money was pulled from was literally banks, and they told me I have to do it all on my own. I tried to do that and realized I need police help so I filed a police report. This was filed almost two weeks after the event as USAA never recommended or suggested filing one. I was unfamiliar with this and thought they were handling everything. They have been rude and uncooperative. USAA is failing me.
Consumer complaint received 2020-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (FL)

just got a letter from this company, saying that I owe some money to a XXXX account that I closed years ago, I don't owe any money to that company and my apparently debt with XXXX has passed around to some other debt collectors and I tried to talk to the cellular company but they said that they don't have my file and my file was passed on the debt collectors
Consumer complaint received 2020-09-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WA)

I asked for payment suspension assistance from Wells Fargo. They said not to worry about it and they would not withdraw the payments. They Continue to withdraw the payments for 2 months. I called them and they " don't know why '' they payments continue to come out. I am overdrawn in my account because of this.
Consumer complaint received 2020-10-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (CA)

https : //leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml? lawCode=CIV & sectionNum=2941 8. ( d ) The violation of this section shall make the violator liable to the person affected by the violation for all damages which that person may sustain by reason of the violation, and shall require that the violator forfeit to that person  the sum of XXXX XXXX dollars ( {$500.00} ). 

XXXX XX/XX/2020 - signed closing documents on REFI MORTGAGE XXXX XX/XX/2020 - I have NOT received my Lien Paid and Satisfied Note. 

I found out XXXX XXXX that the Reconveyance Record dated XXXX XX/XX/2020 was filed with the county and top left corner of the document said Record and Return to XXXX XXXX at a WRONG ADDRESS!!!

That's not my address for this legal document or any other legal documents ... or any junk mail for that matter.

That's not my address at all.

I think the wrong address is why I haven't received anything.

Someone messed up.

Will proper documents be filed with the county recorder 's office and sent to me?

NFCU won't help me. I have called, emailed, emessaged on their website, over and over. I have records. And, today supervisor just emailed me : " Have you reached out to the servicing department for  the paid in full letter it would come from that department. XXXX '' I called from work and was sent to the vehicle loan dept then I held on hold forever ( while calling from work ) I am contacting CFPB because I have no faith that NFCU will fix this problem unless you get involved.
Consumer complaint received 2020-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CT)

I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries. I have contacted the Creditors and they have No Evidence of Credit with them : # 1. XXXX XXXX XXXX XXXX XXXX- Loan Amount {$560.00}, XX/XX/2020. # 2. XXXX XXXX- Loan Amount {$420.00}, XX/XX/2020. # 3. XXXX XXXX XXXX- Loan Amount {$1300.00}, XX/XX/2020. # 4. XXXX XXXX XXXX - Loan Amount {$0.00}XX/XX/2020. # 5. XXXX XXXX XXXX XXXX  -Loan Amount {$0.00}XX/XX/2020.
Consumer complaint received 2019-07-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (IL)

On XX/XX/XXXX I was on a call with XXXX XXXX XXXX Rep about an upgrade for a new cell phone which was never activated or used I never agreed or informed of the 14 day grace where the restocking fee applies 15 %??? of a phone that cost {$18.00} I was given the wrong number so activation was not completed so I shipped the phone back on XX/XX/XXXX XXXX XXXX XXXX Hired a collection service asking for {$45.00} restocking fee Sequium Assets solutionsat XXXX. and a bill for {$100.00} for a never used phone.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is incorrect information on my credit report. My XXXX and TransUnion credit report is reporting a collection/charge off on my report from XXXX XXXX  XXXX which is indeed not my collection. It does not report on XXXX at all and would like this collection removed. It is not accurate.It is not linked to any address on my credit report. I disputed this with XXXX and TransUnion plenty of times with no resolution. 
And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information rolating 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 2020-10-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Service Finance Holdings, LLC (IL)

We are paying 6.99 % interest. It is too high. I obtained a credit card to do a balance transfer. XXXX sent the balance transfer to them to pay off the loan. Service Finance rejected the payment and sent it back to XXXX. When I reached out to Service Finance they denied ever receiving the funds but then responded to me saying that the only electronic payments they accept are from a personal checking or savings account. They are purposely making it impossible to do the balance transfer so we have to keep paying the higher interest rate.
Consumer complaint received 2020-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-09-02
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: Experian Information Solutions Inc. (FL)

I wrote certified letters to all three bureaus to remove all inacurrate data XX/XX/XXXX and todate nothing. I called experian on XX/XX/XXXX to get answers as to why my scores not updated and errors not removed and the agent said it takes 6 months for them to make changes on my report so i just need to wait. 
I am escalating as i know it should not take over 30 days to get results or responses from bureaus. Can you help me please Thanks
Consumer complaint received 2020-10-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: National Credit Systems,Inc. (IN)

My name is XXXX XXXX and in 2015 our leasing agency filed for eviction because we fell behind on rent this was our second lease and we were a military familiy and I was awaiting my MEB which is the medical evaluation board for the XXXX XXXX. I am a wounded warrior in a XXXX and the XXXX applied then and the company knew of my military service. Then after they seized our residence they sue us for damages that were non existing. Since that eviction we have been mostly homeless and unable to find adequate housing. They had given the XXXX damage bill to debt collectors numerous times and I try and get it removed it always popped back up. Now they have sued only my wife I'm small claims court. My wife is a XXXX XXXX I am her XXXX do too her condition. They probably oy sued her because she isnt a military member but she is a military spouse. If you could please help us with this situation it would be appreciated.
Consumer complaint received 2020-10-14
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: CAINE & WEINER COMPANY, INC. (NY)

I DISPUTED SEVERAL ACCOUNTS ON MY CREDIT REPORT THAT WAS OPEN FRAUDENTLY WITH THE 3 CREDIT BUREAUS XXXX XXXX AND XXXX. I HAVE ALSO FILED AN FTC REPORT
Consumer complaint received 2020-09-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Pangea Universal Holdings, Inc. (CA)

I sent money to the XXXX, thru XXXX Pangea USA LLC . sent dated XX/XX/XXXX, XXXX after waiting for an hour the person who I sent the money to called me, to say that they had not received anything. When they went to the XXXX XXXX ( office ) they were told that their system was " slow '', then she was forced to come back the next day XX/XX/2020, she was then told " no response from the main office of this company ''. I tried calling the company 's main office however, it was closed. The money that is being sent is for emergency and needs to be received right away. However, due to the companies ' lack of customer service, there is no one get in contact with regarding the issue. The company does not provide customer service that satisfies certain timezones. Those who are not within the time zone of their customer service hours can't get in touch with the company at all and has no way of resolving issues right away. Due to the circumstances of the receiver, this money was supposed to be received right away. I have the receipts stating that the person was to receive the money on XX/XX/2020 ( PST ) It has address information on the receipt and I will be willing to provide the receipts once I get an email back regarding this complaint.
Consumer complaint received 2020-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

My information was stolen and used to open a number of fraudulent accounts in my name. These accounts on my credit report are fraudulent and need to be removed from my Credit report immediately and permanently : # 1. XXXX {$0.00} Closed 2 late payments, XX/XX/XXXX, Credit Limit {$200.00}. # 2. XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$500.00}. # 3. XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$750.00}. # 4XXXX XXXX {$1100.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$1100.00}. # 5XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$300.00}.
Consumer complaint received 2021-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (NV)

I am writing this letter due to a previously disputed debt already settled by way of complete removal/deletion from XXXX, XXXX and XXXX with the aid of the CFPB investigation - Please refer to CFPB former complaints # XXXX and XXXX. However, I believe that the original creditor XXXX XXXX has sought to ignore the Fair Debt Collection Act and or Fair Credit Reporting act by continuing to pursue a debt not owed even after it was investigated by the previous debt collection company called XXXX XXXX XXXX XXXX. XXXX XXXX has had plenty of time to investigated this matter through their third party debt collection partners and each time they failed to provide their third party debt collection partners with credible evidence of a debt owed. My previous complaints which are listed above highlights my position and credible facts why I do not owe XXXX XXXX  or anyone else a debt. Today, I received a call from yet another third party debt collection company called " CREDIT MANAGEMENT , LP '' who are pursuing the same debt in the amount of {$170.00} which has already been settled and DELETED. Though the amount differs from the original debt amount, it is the same disputed debt which was deleted by the last third party debt collection company XXXX XXXX XXXX XXXX XXXX. ) Furthermore, I believe that consumer protection laws are being blatantly violated by XXXX XXXX in their never ending pursuit of a debt I do not owe which was disputed and subsequentially deleted/removed from all major credit reporting agencies. Those third party debt collection agencies which I have previously mentioned above are contracted on the behalf of and or represents XXXX XXXX interests and given that this un-owed debt was previously investigated and as a result of the CFPB investigation was removed. i wish to no longer receive any communication in regards to this resolved matter by CREDIT MANAGEMENT , LP and or XXXX XXXX and that any attempts to further tarnish my consumer credit report by submitting false debt be considered a direct violation of the Fair Debt Collection Practices Act and or the Fair Credit Reporting Act prosecutable by State and Federal Law. I need to matter to be put to rest once and for all. Thank you for your understanding concerning this matter.
Consumer complaint received 2020-10-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cedars Business Services, LLC (CA)

Cedars Business Services is attempting to collect a debt on behalf of an XXXX city, the city of XXXX. They are claiming an amount due of {$240.00} for a traffic violation, plus a fine of {$180.00}, plus a penalty of {$61.00}, for a total of {$4900.00} for a traffic violation. Cedars is also trying to collect a similar debt on behalf of the city of XXXX in XXXX. In both cities, I rented a car. In XXXX, in every other country, if there is a speeding ticket, it goes to the rental car agency and they take the payment directly from my account, plus a processing fee. So to me, this is very suspicious. Why are two traffic violations totaling nearly {$1000.00}?
Consumer complaint received 2020-10-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have a complaint regarding Capital One Bank ( XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX ). I went on Friday, XX/XX/2020 at XXXX to deposit cash to my checking account. The bank was crowded and did not want to wait on-line since I'm going through treatment, I saw the ATM machine ( XXXX ) inside the bank. I inserted my bank card enter my pin and selected deposit cash, the draw at the bottom opened. I deposit XXXX ( XXXX Bills ) and 1 ( XXXX bills ) the machine took my money with no issue, then I hear the noise I called one of the teller and told him that the machine is making a noise. Then all of the sudden a notice on the screen stating that the machine is not taking any deposits or withdrawls. Then the machine gave me back my bank card but no receipt. The teller told me to come with him and he'll check my account. The total deposit wasXXXX, he said is not showing on my account. I was already very updet and told him that I needed back my money. He said I would have to call Capital One at ( XXXX ) XXXX, which I did while I was at the bank. I spoke to the manager on the phone and she said that it take 7-10 days. I understand that it was the hoilday on Monday. It is now 5 days. I called yesterday again and they stated that I have to wait until Friday because they have to investigate. I told them I can not wait because my bills already set-up to come out of my checking account. All my bills are going to bounce. I undertand they have to open the machine but they can see that I deposit XXXX. I have NEVER had any issues before. I work for the XXXX  for 25 years, including XXXX at the Federal Reserve Board. This is not fair not to give me back my money, that I have to wait. The Capital One Bank can see that I have always deposit cash every two weeks. Please let me know what can be done so I can get back my {$1700.00} back to my checking account. I need to pay my bills and my husband is XXXX which he needs his medications.
Consumer complaint received 2020-10-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC (FL)

Receivables Performance XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Collecting on behalf of XXXX XXXX XXXX Is attempting to collect on a debt that I do not owe. Furthermore, they've reported this to my credit reports WITHOUT EVER TALKING TO ME FIRST. When I contacted them, their representative told me " we don't delete accounts from credit reports ''.
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX ; XXXX  and Transunion are reporting incorrectly lates in XXXX, XXXX and XXXX, 2019 for the XXXX XXXX XXXX account XXXX number. ( Please see page 4 of the attached credit report. ) Month after month I called and made a payment on this account. Apparently the very first payment was never applied correctly so each payment I made was reporting a month behind. Every time I made another payment I was never told that I had initially missed a payment according to their calculation so consequently every payment I was making was actually a month behind due to their accounting error. I was never aware that I was actually making payments in arrears. Had I been informed of this I would have made an adjustment and paid an additional payment to be current with their accounting. I do not believe I should be punished with any late payments because I was never properly notified of this issue. The only communication I did receive were vague emails with no explanation, no context as to what they were needing or when to call or even WHO to contact! When I did call however, I was never able to physically reach the representative who was forwarding me the emails. I only spoke to the person who happened to answer the phone and was told to just continue making my monthly payments. Never once did this representative share with me that my payments were continually late. I never received any notification in the mail to tell me I had a late payment and I only discovered there were late payments when I obtained a copy of my recent credit report. When I saw this, I immediately went to a XXXX XXXX XXXX branch in XXXX, WA and paid the past due as well as the next upcoming payment to make sure that the account was up-to-date. By XXXX XXXX XXXX reporting these late payments incorrectly due to their accounting error, and never properly notifying me of the issues, is seriously harming my credit score. Please remove these lates from my credit report.
Consumer complaint received 2020-10-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: KWIK MORTGAGE CORPORATION (NJ)

I was looking to buy a home and found Kwik Mortgage out of XXXX XXXX NJ to get a loan from. I met with the mortgage broker ( XXXX XXXX ) and explained my entire situation. And what had happened to me in the past. I explained to him and Kwik Mortgage that I had a precious foreclosure and that I wasnt sure the exact date the foreclosure was finalized. Even before I filled out all the paperwork, the mortgage broker and the Vice President of the Kwik mortgage assured me that I was going to be approved and granted the loan and also before founding out the exact date of the foreclosure was found they approved me and ordered the inspection and appraisal of the home. They told me I was approved for a conventional loan at a 3.2 % interest rate. And was told that because of my foreclosure it was at 3.2 and not at 2.8. I have a XXXX credit score, I work full time and I was putting 10 % down. My official foreclosure date was confirmed that it was XX/XX/2017. Once again the mortgage broker and the Vice President reassured me that I was going to be approved. Without any hesitation. So they ordered the inspection ( which was {$550.00} ) and appraisal ( {$500.00} ). I provided every document they asked for and needed. 10 days before my closing date and even after being approved the underwriter explained that I didnt not met the guidelines and was short 4 months from 3 years. But after talking to an Attorney an Another Mortgage broker I was told that a conventional loan is 7 years after a foreclosure and 3 years for an FHA. I was wondering if there was anything that can be done.