davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

XXXX : USAA Federal Savings Bank XXXX son and I share a checking account through USAA on XX/XX/2020, this account was hacked : fake mobile deposits ( around {$3000.00} total ) were made immediately followed by several money order purchases. The account had little money so these purchases were over-drafted through my savings account, emptying that XXXX about {$3000.00} XXXX. USAA was immediately notified and supposedly started an investigation. I was told the account was put into " credit only '' status. 

Meanwhile, the hackers hit again on XX/XX/2020. There were no more funds in either account, so it was treated as a negative balance in the checking account and there is still a negative balance today. 

On XX/XX/XXXX, I received an email from USAA notifying me the investigation had determined there was no fraudulent activity and closed the case. 

At this point, I am out {$3000.00}, there is still a negative balance on the checking account XXXX about {$500.00} XXXX and my repeated requests for documentation supporting USAA 's decision have been ignored. XXXX XXXX initial request was near the end on XXXX. )
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

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.

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 2019-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I contacted Experian with a dispute in writing as soon as I noticed a debt for {$590.00} on my credit file in XX/XX/2019 from Report Number : XXXX Account Name XXXX XXXX   XXXX Account Number XXXX XXXX XXXX XXXX   Contact Info Phone Number ( XXXX ) XXXX AddressXXXX XXXX  XXXX XXXX, GA XXXX I sent in a copy of my drivers license and deed to my house and a utility bill, and my birth certificate. the debt in question is a total different person, in a different city and different name. The attorney for XXXX has confirmed that this is not me, but Experian will not remove it from my credit file, going on the 5th month and it dropped my points by 50 plus!! I can not apply for my XXXX card or XXXX card and I'm still waiting to do my refinance on my house, but I cant until this is taking care of. When I called the attorneys office again to check on the status, they told me Experian was givien the info several times to review and delete it and has not responded.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

The inclusion of these unauthorized inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-11-25
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. (NV)

I was in deferment since XX/XX/XXXX. XXXX is reporting on two of my accounts that I am 90 and 120 days late ( XX/XX/XXXX and XX/XX/XXXX on each ). I was in deferment firstly. Second, they report in every month prior to XX/XX/XXXX that I am on time. So then, how can I be 90 days late in XXXX seeing that I was on time just 30 days prior.This is an injustice. This complaint extends to the two reports I have with XXXX as well. In XX/XX/XXXX ( on deferment mind you ), they report me on time and then 90-120 days late XX/XX/XXXX through XX/XX/XXXX while I was on deferment. They do the same thing in XX/XX/XXXX through XX/XX/XXXX and once again in XX/XX/XXXX. This is exactly the same for both reports. 
Now, doesn't law state that anything on my report that is untimely, inaccurate, or unverifiable MUST be removed? Everyone knows that there are no months with 90 days in them. So, since there are no months with 90 days in them, reporting me late 90 days ( not once, but a combined 5 times ) would be inaccurate! And what was it the FCRA stated about inaccurate information? That's right! It must be removed. How is it that Experian, XXXX, and XXXX all ignored my dispute and continued to report inaccurate information? I know my rights and the law. For three companies who operate daily under this law to continue reporting this inaccurate information in a huge violation of my rights and the law.
Consumer complaint received 2019-10-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (FL)

Credence ( a collection agency ) contacted me about a debt owed on an account with XXXX XXXX XXXX XXXX XXXX XXXX over the phone a few months ago. Note that they verified my address but they verified the wrong address. I simply corrected them having no experience with debt before. They did not notify me of a letter I was suppose to receive or should have received to dispute or verify this debt. It may very well be true that they sent a letter to the wrong address they previously had on file. If that is the case, I am not at fault. I did go to the hospital so I thought the collection was just. The only bill I got was from XXXX XXXX XXXX for a total completely different from the debt collectors, with no notice that I would be hearing from another company regarding debt. I told Credence I will call them when I come to a resolution with XXXX XXXX. That was months prior to this writing. Today, XX/XX/2019 at XXXX I received an answered their phone call to collect debt. They got the address correct this time. They were demanding full pay or pay over 3 months. The manager pointed out my age and how this would not be a " good look '' for me, since I said I was unable to pay. Now that I know my rights, I feel that was a threat. He then proceeded to tell me to go get a profit loan, ask my mom, or use a credit card. In fear, I used a credit card and coughed up XXXX $ of which I do not have being a XXXX XXXX XXXX. All if this is just information. The main thing I am submitting a complaint for is never receiving a written notification of debt, ever! Even after I gave them my correct address, I never received a notice of any kind in the mail and was never informed of the ability to dispute. How am I supposed to know the collection is verifiable if I don't get a letter? Again, they may have sent the letters to the previous address they had on file, but if that is the case I should not be held accountable. I didn't even receive a call from XXXX XXXX before it was sent to get collections. During the call today at XXXX I was told I would receive an email regarding my account. I HAVE NOT RECEIVED AN EMAIL and its XXXX. Bottom line Ive never received a written ( or electronic ) billing or billing statement from Credence or XXXX.
Consumer complaint received 2023-07-28
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CO)

On XX/XX/XXXX I received a payoff letter from Nissan Motor Acceptance Company in the amount of {$24000.00}, which included sales tax in the amount of {$1200.00}. This amount also includes the purchase option fee of {$300.00} as listed in the lease agreement. This purchase option quote is good until XX/XX/. 

On XX/XX/XXXX I initiated a call with Nissan to confirm if I had a last payment due in XXXX since I had established a new loan with XXXX XXXX XXXX XXXX XXXX ( XXXX   ) and the first payment was due in XXXX with them. At this time, I was told by XXXX XXXX from Nissan Motor Acceptance Company that the payoff was done incorrect, and I owed an additional {$880.00}. I told them this is unacceptable as the XXXX has already established my new loan and sent them the full payoff and why did it take me to initiate the call and not be notified within 30 days? Saying that after talking with XXXX and his manager ( who hung up on me ) today we have determined that they have processed the check that was sent to them. On XX/XX/XXXX I received an email from XXXX XXXX dated XX/XX/XXXX and addressed to XXXX  that they received check # XXXX for the funds totaling {$24000.00} to payoff the captioned lease. However, the letter states they are unable to process this payoff for the following reasons. 

___ Payoff received was short by an amount of {$880.00} ( I have asked them repeatedly to explain this! ) ___ Other : XXXX PURCHASE OPTION FEE PLUS SHORTAGE XXXX ( What does this mean? ) In the meantime, they are accruing interest on my loan due to their mistake they refuse to own up to. 

I hope you can be of assistance to their shady dealings, and I plan never to use Nissan Motor Acceptance Company again! 

Sincerely, XXXX XXXX
Consumer complaint received 2019-11-25
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. (VA)

I did complain before and every time I asked for my credit report it is inconsistent with the report, first, my credit report says I owe XXXX {$700.00}, as I point out I'm current XXXX customer and XXXX never asked me for that bill, now my credit report change to I owe {$700.00} utility bill. I don't owe any utility bill, all our household bills pay by my husband. and my husband have an excellent credit score.
Consumer complaint received 2019-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

On or around XX/XX/XXXXof this year, I received a letter from Select Portfolio Servicing stating that my escrow account had a shortage of {$7000.00}. Reviewing the letter I realized that my Enhanced Star and  Senior Exemption had not been applied. 

I called my SPS to inquire why my exemptions had not been applied to my taxes, and I was told, that they had no knowledge that I had any tax exemptions. I stated to the representative that I had received the Enhanced Star and Senior Exemptions for the prior tax year XX/XX/XXXX-XX/XX/XXXX and there was no problem having it applied and what was the issue with applying it this tax year. 

I faxed paper work on XX/XX/XXXX, to back up my claim that the shortage was incorrect and that between the escrow balance and my state tax exemptions there was more than enough to cover my property/school tax bill. I called in the middle of XXXX to to verify that they had reviewed the documentation I sent and made the correction to my account. I was told it was received and they were working on it. 

I followed up again in early XXXX and was told that it was being worked on, but when the representative looked in the computer, the documentation I faxed had not been forwarded to the tax and escrow department. The representative advised that she's forward it to the tax and escrow dept, but it probably wouldn't be reviewed until XXXX because that was when my school taxes would go in. 

XXXX has come and gone and I have not received a statement for SPS for my school taxes and each and every time I call, which is roughly weekly, I'm being told they are working on it. I receive a school tax bill and receipt every year in XXXX, this year nothing. 

The enclosed are proof of my enhanced Star and Senior exemptions for XXXX and XXXX. I also included receipts from prior years where my state tax exemptions were applied with no issues. My prior years taxes paid and no shortage. My town assessor 's office sent me a letter to inform me that SPS had called their office and they provided me the same information she gave them. They also told me like last tax year, there is more than enough to cover my tax bill for this tax year, and I will get an overage check just I did last year. 

My mortgage servicer is not being hoenst and they are not doing ethical business.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

There has been some unauthorized hard enquiries on my equifax credit report with the name " XXXX XXXX XXXX XXXX on XX/XX/year>. It looks like someone is trying to apply for new credit cards under my name using my SSN without my consent or knowledge
Consumer complaint received 2020-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NJ)

My identity and personal information was stolen without my knowledge and or consent. Accounts were opened and services applied for without my knowledge and or consent. I have notified these companies and tried to resolve the issue with them to no avail. They refuse to close these accounts and remove them from my name and credit reports.
Consumer complaint received 2018-12-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Automated Accounts Management Services (IA)

XX/XX/2017 I received an alert that these items had been added to my credit report so I called XXXX  to find out what it was so they gave me the info. So I called AAMS to find out what it was about they told me they purchased a bill so now I owe them I informed them that this wasn't the right information and I need validation of the debt by mail they said they had mailed me the bill got returned each time. I never got anything so I disputed with all 3 credit bureaus first they said it was verified then I asked to see the method of verification with XXXX  a supervisor let me call on 3 way to the company but no matter what I do or how I do it XXXX will not remove it I had sent letters They said they are not going to investigate again I sent them the statement of procedures that was said done and cost of each and they updated it to a because they saw that all together it didn't equal the amount of the first charge they had 3 Mark 's against me so the made it 1 deleted 2 because it was added with the 1sti sent my first letter XXXX, sent my 2nd letter XX/XX/XXXX 3rd letter XX/XX/XXXX, my aught letter was when they told me they wasn't going to investigate it again
Consumer complaint received 2019-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (IL)

I have account with Chase sapphire reserve credit card which includes {$450.00} annual fee and {$75.00} annual fee for authorized user in exchange to priority pass ( free access ) to lounges in any airport that has one. I did receive XX/XX/XXXX statement with due date XX/XX/XXXX showing 2 charges for priority pass guest visits, {$27.00} each, for XX/XX/XXXX. I did use a lounge in XXXX XXXX airport that day. We had 2 priority passes at that time - one was for myself, another was for my husband ( authorized user ). We had XXXX guests with us - XXXX adults and XXXX kids ( XXXX and XXXX years old ). Each priority pass user can bring XXXX more guests for no charge. Moreover the kids under XXXX years old is no charge. Yet 2 month later Chase decided to bill us additional {$54.00} on top of annual membership fee I paid in XX/XX/XXXX. It does contradicts Chase sapphire marketing and advertising of the priority pass benefits. I was trying to solve an issue with Chase sapphire reserve representative yet had no success. Chase rep was not able to explain why I was charged 2 month after my initial visit. Moreover Chase rep did not have any proof for number of guests I had that day. Chase rep said the charge was based on XXXX XXXX lounge information which contradicts the actual number of guests I came with. As of today I was charge for something I am not responsible for and Chase sapphire reserve does not want to help resolve an issue.
Consumer complaint received 2019-01-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TN)

Son Graduated in 2007 with debt of {$85000.00}. I am the co-signer and have paid a total of {$98000.00} to date and they say I still owe them {$100000.00}.
Consumer complaint received 2019-01-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: McCalla Raymer Leibert Pierce, LLC (GA)

Dates back to XX/XX/XXXX loan from XXXX XXXX XXXX improper security deed was sold to XXXX XXXX in XX/XX/XXXX then again to XXXX XXXX XXXX XX/XX/XXXX filed Bankruptcy XX/XX/XXXX XXXX XXXX agreed to loan modification with missed payments have statements showing no interest accruing from XX/XX/XXXX thru XX/XX/XXXX payments were to resume with lower interest and lower rate XX/XX/XXXX house fire XX/XX/XXXX attorney realized error on security deed house was free and clear XX/XX/XXXX filed case in court against insurance company and XXXX XXXX XXXX to get funds released for Construction Company to be paid XX/XX/XXXX XXXX XXXX XXXX sold loan to XXXX  XX/XX/XXXX XXXX XXXX XXXX discharged loan with bankruptcy and sent {$1000.00} check for problems XX/XX/XXXX agreed to modify deed to include both parcels with agreement that XXXX was going to give us a contact to work with to get the problem straightened out. XX/XX/XXXX attorney contacted the person XXXX sent information for ... we were given the information. I contacted him and was told we knew nothing about us. Our attorney contacted him again and told me to call him back. Again, he would not talk to us. XX/XX/XXXX we began receiving foreclosure letters. My attorney began sending letters stating that we were working with XXXX. The attorney for XXXX stated they were foreclosure attorneys and that is what they were going to do. XX/XX/XXXX the 1st foreclosure took place. XX/XX/XXXX received XXXX from XXXX regarding foreclosure XX/XX/XXXX received eviction paperwork and appeared in court. This was dismissed because they had only foreclosed on the one acre and we had paperwork showing we owned the house free and clear. My attorney told us they had 30 days to file a motion. XX/XX/XXXX received paperwork from court that they wanted to file for reformation. XX/XX/XXXX after my attorney told me the courts had to do what was legal not equitable and XXXX attorneys lied, left out a lot of information, making it appear that the loan had went directly from XXXX XXXX to XXXX and I had not paid anything since XXXX ; instead of not having paid since the loan modification XXXX and bankruptcy charge. The reformation was allowed. The tax assessor website shows the name change to XXXX XXXX XXXX in XX/XX/XXXX. XX/XX/XXXXthe 2nd Foreclosure took place XX/XX/XXXX I receive a cash for keys offer and my attorney now tells me 'I have never heard of this, take it and see what happens '. I have diligently been calling and emailing anyone and everyone I can think of to try and get this looked at because I don't feel like it is correct.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is related to my initial complaints. I have completed my identity theft kit as the XXXXXXXX XXXX requested. I am victim of identity theft. I have discovered that my accounts were compromised. I reported these to you and you helped me remove some of them and for that I am thankful, but some items require more information and they were left on my reports. Please help me. I am already XXXX and I have no one else to help me sort this out. Life has been really hard since the pandemic hit and I need my credit report to to apply for loans but I can't get approved because these fraudulent accounts and inquiries. Please remove them ASAP. This is my last shot in life. I have reported this to the credit bureaus but they don't seem to care. I have attached in this report my FTC report as well my ID, SS card copy, and proof of address.Here are the fraud accounts and inquiries that I need to be removed : FRAUD ACCOUNTS : XXXX - XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XXXX - XX/XX/XXXXXXXX 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 have paid them because they kept on harassing me even after I notified them that my identity was stolen. I've disputed that account and we are still fighting about it. It was an unauthorized charge. They don't want to support me. So I keep disputing it. That blood money was paid in full directly to the branch manager XXXX XXXX. He can vouch for this. I have attached the proof as well. I have contacted XXXX XXXX about their situation. I have the statements proving that there was 2 years between the first charge and the one in question. They have opened another dispute about it. Also I called XXXX XXXX to see if the manager was still there that I worked with. But he wasn't. They don't even know the account I'm talking about. How can they put a bad mark on my credit if they don't even have an account number??? They said they would try to help. But I'm not gon na hold my breath.
Consumer complaint received 2024-08-22
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: EQUIFAX, INC. (FL)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.