davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

On XX/XX/XXXX I electronically deposited checks with USAA. XXXX were from XXXX XXXX XXXX, check number G XXXX and G XXXX, for my monthly XXXX income. The system accepted all checks. Today, XX/XX/XXXX upon pulling up my accounts noticed the check ending in XXXX has been deducted as a correction. I spoke with XXXX first at USAA who said it was their error and to redeposit the check online. I attempted to do so but, USAAs system said it was a duplicate. I called USAA back and XXXX said he could not help. I asked for a managed and was transferred to XXXX. XXXX said it was USAAs fault but no one could correct the issue. I asked for a XXXX. XXXX said managers dont talk on the phone and Id have to mail the check. I recently experienced major personal disruption due to the flood at XXXX XXXX on XX/XX/XXXX. I do not have any deposit slips. The check has already been endorsed to USAA. This is a type of customer fraud. Did USAA use any customer monies for loans where customer funds are used but uncollected? It is also a grave tarnish of USAAs history as a great company. Further this has to violate federal law governing banks handling of customer accounts as a fiduciary. Thank you
Consumer complaint received 2015-08-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

I secured a mortgage in XX/XX/XXXX through a XXXX XXXX affiliate, XXXX XXXX XXXX XXXX, and I was paying them through their own servicing company. XXXX XXXX, in entirety, went bankrupt in XX/XX/XXXX. I stopped making mortgage payments in XXXX/XXXX/XXXX, when I could n't find out who held my title deed and mortgage lien.In XX/XX/XXXX, XXXX XXXX XXXX XXXX, as trustee for XXXX XXXX XXXX, initiated a foreclosure suit. However, it was Americas Servicing Company that claimed to be an injured party on all XXXX credit bureaus starting in XX/XX/XXXX. I have never signed any contract or owe any money to Americas Servicing Company. In XXXX XXXX, XXXX removed Americas Servicing Company from my credit report. XXXX and XXXX refused to remove Americas Servicing Company from my credit reports with them in XXXX XXXX. As my credit scores and job opportunities has been negatively affected by Americas Servicing Company under fraudulent circumstances. I want them removed from all my Credit Reports immediately. Americas Servicing Company is a servicing and not a mortgage company. They are not an injured party to my foreclosure case that has languished 55 months without a court date being set by any plaintiff, not even Americas Servicing Company. Please help me resolve this matter as soon as possible
Consumer complaint received 2016-09-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (MD)

I have disputed my former name, former address and account history with Experian. I even provided them documents to support my claim. They refused to remove inaccurate information from my report. The student loan payment history makes no sense. I pointed this out to them to no avail. this inaccurate information remains on my report. This issue with the payment history has been disputed to no avail with all XXXX major credit reporting agencies. Experian, XXXX, and XXXX. Details in the supporting documents attached.
Consumer complaint received 2024-09-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC. (IL)

In the winter i talked to midland credit company i even requested to speak to a supervisor in an attempt to try to validate the debt and settle i requested documentation stating that they did indeed purchase the debt and a debt validation letter. i was told a letter was sent back during covid to an address in XXXX XXXX illinois and i even pointed out that on my application with XXXX XXXXXXXX an address in XXXX XXXX illinois was listed so what made the agency send one to the wrong address. i told them i did not recieve the letter as i do not live in XXXX XXXX they stated well we sent one and we have proof. to which itold them yes they have proof they mailed a letter to the wrong address as i do not live there. the man on the phone got aggressive and stated did i think i can just add up money on a credit card and not pay it that he wanted his money i told him i needed to verify the information and he stated they mailed me the letter. after i told him i only found out about them because of my XXXX XXXX account. i have yet to recieve the documents requested. on another occassion they called me and i asked for them not to call me back i blocked the number and they called me from a different number that same day. another occassion i answered the call and asked what the call was in regards too i repeated yes what is this call in regards to and the woman on the phone gave me a name date of birth and full social security number i asked if the phone call was being recorded she hesitated and said yes i asked again to confirm the call was being recorded and the woman said yes i told her i never verified i was the person they were asking for and hung up the phone. to this day i still recieve phone calls from midland credit i also recieved a letter in XXXX of 2024 stating " i have an obligation to resolve this '' but i have yet to recieve the debt validaiton letter or a letter stating the debt was purchased and when this letter was sent to an address in XXXX XXXXXXXX illinois. I do not live in XXXX XXXX illinois
Consumer complaint received 2024-09-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (NJ)

In XX/XX/year>, my home was burglarized, and XXXX cars, along with all my credit cards, were stolen. My son, XXXX XXXX, who is also the owner of the home, had been making payments on my Uplift on my behalf. After the robbery, the thieves used my stolen cards to make unauthorized charges, leading us to fight these fraudulent transactions. Additionally, our identification cards were stolen, further complicating the matter. 

The fraudulent charges resulted in insufficient funds in the bank account linked to the credit card payments, leading to late payments. However, after the fraudulent transactions were identified, I took immediate steps to resolve the situation and made payments to bring the accounts current. 

Despite this, XXXX reported me as late in XX/XX/year>, and both XXXX and XXXX reported me as late in XX/XX/year>. I have attached a screenshot of my credit report showing these late payments, as well as a copy of the police report filed with the XXXX XXXX Police Department for reference. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy of information on consumer credit reports. Reporting late payments as a result of fraudulent activity, particularly after the matter has been resolved, is a violation of Section 605B of the FCRA, which deals with the handling of identity theft. These late payments should not be reflected on my credit report as they were a direct result of being a victim of a robbery and identity theft. 

As a victim of fraud, I should not be penalized, and these inaccuracies should be corrected immediately. I am requesting that the reported late payments in XX/XX/year> ( XXXX ) and XX/XX/year> ( XXXX and XXXX ) be removed from my credit report. 

Please review the documentation provided and take corrective action as required under the FCRA.
Consumer complaint received 2017-03-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

I had XXXX account with XXXX in XX/XX/XXXX and my account was paid in full closed in XXXX ending in XXXX. I did n't have any other account ending in XXXX
Consumer complaint received 2017-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (NC)

In XX/XX/XXXX I sent a letter to National Credit Systems requesting they provide me with the methods they used to validate the {$1800.00} debt they are reporting on my credit file with all 3 credit reporting agencies. They in turn sent me a copy of my original signed lease agreement with XXXX XXXX but no breakdown of the {$1800.00} being reported on my credit file because I know that amount is inaccurate and by law they have to provide valid evidence of the amount being accurate. They did not. On XX/XX/XXXXI pulled up my official credit reports from all 3 credit reporting agencies and noticed this company National Credit Systems is reporting this invalidated debt with 3 different " Open Dates '' on all 3 reports. This is a violation of the Fair Credit Reporting Act. I have asked all 3 credit reporting agencies to properly investigate this matter and they clearly have dropped the ball because if National Credit Systems properly provided the credit they too would have noticed all the dates are not matching because they do n't have any proof this debt is actually mine. I will be uploading the pictures of the following " open dates '' being reported. 1 ) XX/XX/XXXX via XXXX 2 ) XX/XX/XXXXvia XXXX. 3 ) XX/XX/XXXX via XXXX This information is required to be verified and accurate and with 3 completey different dates there is now way that is possible.
Consumer complaint received 2024-09-25
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (RI)

I paid my Macys credit card in full on XX/XX/year> in the amount of {$1000.00} USING THEIR APP to pay my ACCOUNT IN FULL. I have proved the money was taking out of my bank account on XX/XX/XXXX. Macys is trying to say that I owe interest. Since I paid the bill in full, I had not received any bills from Macys, but I did receive collection calls, which made me research why they were calling me. I found that they tried to assess me a fraudulent finance charge and then when they didnt receive the money, they charged me a late fee of {$40.00} for the month of XXXX and because I didnt recognize this until XXXX. They also charged me another late fee in XXXX. My paid in full bill in XXXX using their app now is about {$87.00} all of which I do not owe. Macys is using predatory practices, thinking the general public is not aware of how finance charges work. I work in the financial field and XXXX very aware of how XXXX charges work and when you pay a bill in full before its due date or its due date it is considered paid in full and there are no interest fees or late fees assessed. Macys has done this XXXX other time to me when I used my card because they dont like people paying their bill in full. They dont make money from that and I am XXXX step away from canceling this credit card. Ive had for more than 35 years. Please research this with the company for me because they do not want to talk or hear from consumers and I believe theyre using Citibank as their credit card company now which I will never own a Citibank credit card because of this.
Consumer complaint received 2024-09-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: STATE EMPLOYEES CREDIT UNION (NC)

I have been receiving direct deposit from my job to the bank for a while. Last month I had stopped because my money wasn't adding up. I would also deposit extra money sometimes to save. Then I get charged all these fees. I deposit a check from a company and they approve then later they said I owe them. An employee called me a month ago and said she took XXXX out to pay for a return check without my permission. I had XXXX  that week and couldn't leave home. Last year I had security deposit box there my money got missing.
Consumer complaint received 2017-12-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I submitted an online dispute with equifax on XXXX/XXXX/XXXX for erroneous information on my credit report. The confirmation # is XXXX. It was says the completion date is XXXX and the results are N/A, but it also says the items are currently under investigation. You should receive the results of our investigation soon. I contacted them and was told that the investigation has not been completed and the results will be available soon. It has been past the 30 days and it says completed.
Consumer complaint received 2023-04-27
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Receivables Management Partners, LLC (MI)

XXXX Called ON XXXX  at XXXX XXXX. 

I did not pick up the phone, my Employee did as i was at work and busy, the representative asked " Can i speak with XXXX XXXX '' my Employee said " This is Him '' and BAM without verifying ANY personal information the RMP rep started rattling off debts owed, to who and how much ( XXXX of them ) to a THIRD PARTY. After this when confronted With " You just XXXX  up you verified no information and just violated the FDCPA " the RMP Employee proceeded to say " I Don't have to i just have to ask for the named person '' This phone call was recorded and is attached
Consumer complaint received 2017-12-14
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Dynamic Recovery Solutions, LLC (MI)

Dynamic Recovery Solutions has called me repeatedly for more than a year. They have recently increased the frequency of their calls and the intensity of their messages. 

My response has been the same with each phone call : " I am not the 'XXXX ' you are looking for. Please delete my number from your records. '' They agree each time to remove my number and then another person calls the next day. 

I have repeatedly blocked their number and they just call from different numbers.
Consumer complaint received 2015-08-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (CA)

We are conscientious consumers who appreciate this process for clarifying and hopefully correcting errors found on our credit report. We recently went to have our credit reviewed, and we were pleased to learn that most things were handled correctly with a few exceptions. XXXX such exception, to our surprise, was Green Tree Servicing. Our original loan was established in XX/XX/XXXX, with XXXX XXXX XXXX. 
As described in other complaints against other mortgage companies, we lost employment due to layoff. We continued making payments on all accounts until XX/XX/XXXX, at which time we notified all lenders that we were unable to continue payments. At the time, our FICO score was XXXX ( see attached ) ; we hoped that we had proven ourselves as good customers and could work with lenders in good faith. Unfortunately, lenders advised us to let our accounts go " 3-months delinquent '', then they could help. The only thing that accomplished was to have our FICO score continue to go down. We contacted XXXX ( Federal National Mortgage Association ) and was assigned an analyst. We submitted all paperwork requested including an income and expense form, a list of all lenders and authorization to pull our last two-years of tax filings. After reviewing our submissions, the analyst concluded that we were eligible for " Deed in Lieu '' of Foreclosure for the mortgages. Green Tree was notified, and we went forward completing and having certified all of the documents they sent us, and we returned the documents along with the keys to the property. 
According to information on our credit report, the " Deed in Lieu '' final document was recorded XX/XX/XXXX. A copy of the form has been attached. However, Green Tree did not complete the paperwork that would show the XXXX balance on our credit report ( attached ). They appear under " Derogatory Tradelines '' as reported " XXXX '', and the account shows as a " Closed/Foreclosure ... '' Contrary to the zero balance shown under Property History, this form shows a balance of " {$92000.00} ''. 
For clarification, my husband is the veteran.
Consumer complaint received 2017-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: MOHELA (DC)

I paid off my loan to Mohela account no. XXXX. But Mohela took out my monthly payment anyway, so they caused an overpayment of {$130.00}. I have called Mohela to try to get that money back but they have refused to send me the {$130.00}. 
This is a consolidated student loan. XXXX XXXX
Consumer complaint received 2016-09-16
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Solutions LLC (CT)

I paid debt to XXXX XXXX XXXX through a settlement with their lawyer in 2015. Now XXXX XXXX is using a different lawyer who says that settlement in 2015 is null and void and I have to pay again.
Consumer complaint received 2017-02-16
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (NY)

I currently have a credit card with Citibank and on it I have a balance transfer and other purchases aside from that. I was under the assumption that the balances shown on the statements were my full balances. I tried to pay my bill so I would not have interest on the other purchases by paying over that amount. However, the next month there was still a balance in other purchases. Looking into the fine print revealed to me that these numbers were not actually my full balances but daily average balances. Therefore, I did not know what each balance was until I actually got in contact with Citibank. I find this to be a very deceptive way of communicating what is owed on an account, since you actually have to reach out to the company month-by-month in order to get your full balance. I had made contact with Citibank but the CSRs were not able to bring my complaint to where it needed to go in order to facilitate a change in policy.
Consumer complaint received 2015-08-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I am and have been the victim of identity theft. Several companies including credit card companies that were listed under my name were notified by me as to the identity theft situation and after there investigation each wrote to me stating I was not responsible for any debt HOWEVER Capital One is still actively seeking payment from an account that is not mine. When I became aware of the debt I contacted the company and told them of the situation. Several months later I have been contacted by XXXX XXXX XXXX a collection company bearing their acct number of XXXX listing the balance of {$390.00}. I have contacted them within the 30 day period stating the identity theft situation. Please help me rectify this and have XXXX not hold me responsible for a debt I did not incur. Thank You.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

In XX/XX/year>, I had an identity theft incident which required me to place credit freezes with all 3 of the credit bureaus. When I called Experian at that time, I discovered that someone had fraudulently created an Experian account with my name and address, but their email and phone number. I was told by the agent that my info would be updated and the freeze was placed. 

I am now trying to unfreeze my credit at Experian and have found out that they never updated my personal information. I am unable to log into the account because their automated system keeps sending codes to the fraudulent email and phone number that were created. I have called their customer service phone number 20+ times and have not been able to reach an agent. I have tried every phone number on their website and every option on the automated system, but still have not been able to reach a human. 

To make things worse, the automated system has sent codes to the fraudulent phone number ( even without my asking it to ) and I am worried that the criminal who originally created the account is now able to access my info. I am trying to unfreeze my credit to buy a house and I don't know what else to do at this point. 

I have attached an email and screenshot which show the fraudulent personal info associated with the account ( these are not my email and phone number ).
Consumer complaint received 2024-09-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (AZ)

Debt validation was sent to Radius Global Solutions on XX/XX/year> with specific information requested per the Fair Debt Collection Practices act, 15 USC 1692G stating their claim is disputed and a validation is requested. They did not provided the requested information including the original contract with original signature did not provide they were authorized by the original creditor to collect a debt, did not provided if any insurance claim was found on the alleged debt and did not provide a detailed list of payment activity on the alleged account. Debt was illegally furnished as a collections to the credit reporting agencies in violations of the aforementioned act.
Consumer complaint received 2015-08-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (IN)

I have received no communication whatsoever from this company about a debt that is now on my credit report. I never had any business dealings with this company. After challenging the debt reported on my credit report the company still refuses to take the erroneous listing off my report.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2017-03-03
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION (TX)

I made a payment 3 payments on XX/XX/2017 and my account was not negative that day. On XX/XX/2017 I made a payment that made my account negative. According to BBT system the three payments posted on XX/XX/XXXX and that left a balance of XXXX. The next payment posted on XX/XX/XXXX for XXXX. BBT charged overdraft fees on XX/XX/XXXX before the account went negative and before the payment that did send the account negative posted.