davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-03
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: I.C. System, Inc. (UT)

I.C. Systems account numbers # XXXX and # XXXX are in violation of my Bankruptcy. They were included in the bankruptcy but they are currently still reporting a balance and are still updating.
Consumer complaint received 2016-05-13
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC (FL)

Company withdrew money from my bank account after I advised them they did not have permission to withdraw funds from my account. They refused to provide a settlement offer of no less than 60 % of the amount. They refused to refund money that they withdrew without my consent and they charging for fees for NSF in which they caused.
Consumer complaint received 2019-10-01
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I CALLED REQUESTING ANSWERS AS TO : How and why did my credit score dropped 15 points ; and I was told about something that happened more then two years ago. I also was told since I have a XXXX balance on my opened credit accounts, and I am not using them on a regular base, that to will cause a decease. 

However, I told the bureau that over two years ago, I turned a vehicle back to the : Lending company, and was not told that it will reflect a navigate, if and when they resell the vehicle. 

Also, regarding the credit card accounts, I had paid them off around XXXX or XXXX of XXXX. I told the bureau, that when I paid them off, it did not show any navigate reflections against me ; therefore, I asked again, why am I receiving 15 points taken away from me.

Non of the bureau would or could answer that question. I was told to talk to a financial Advisor, which I did. I called XXXX Financial department, and they could not explain why the 15 decease based on my dispute with the bureaus. 

My theory there's a conspiracy of keeping some consumers in a bind. I state this because, many times in the pass this issued happened where the bureaus would take from 10 to 20 points from my credit report, but when any errors or corrections take place, they would issue maybe 1-3 point in  return ; which is bogus.I am very disappointed regarding how this is going for me. My social security number was compromised in XXXX, and its has taken me over 15 years to rebuilding due to Government listing my social security number on a unemployment form that was mailed to my resident ; and I am continually fighting to keep my credit in good standards. 

Please look into this matter. 

Thank you in advance XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX
Consumer complaint received 2016-11-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (OR)

I noticed that the principal owing is $ a little over a {$1000.00} More than when Greentree was servicing my loan, in addition the late fees are wrong, the dates that the company says amounts were credited is wrong, interest rate appears to be wrong, at 9.925 % the company charges {$19.00} to pay by phone it will not except any amount other than what their website says is due.
Consumer complaint received 2016-10-19
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I have been denied the ability to dispute a charge on my Bank of America credit card.I received a denial letter, that said I was not able to dispute the charge, The charge I am requesting assistance in disputing was made on XXXX/XXXX/2015, to a company called XXXX XXXX XXXX in the amount of {$6600.00}. I have recently come to the conclusion that I have been victimized by an online business scam. I have been told that I am unable to dispute charges over 60 days old, however, I understand that the 60-day time frame for disputes does not apply in my situation as this is not a billing error and I signed contracts. My dispute has been mishandled and requires further investigation .I would like them to look into this " merchant '' There has got to be something they can do for the protection of their customer beyond 60 days. Companies like these are taking advantage of people making promises and telling lies. They did not provide the services as described.
Consumer complaint received 2016-05-13
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Echelon Financial, Inc. (DE)

On or about XX/XX/XXXX or XX/XX/XXXX, an online company called " Myscore '' charged my Visa Card for {$29.00} unauthorized. 
XX/XX/XXXX while I was searching online to obtain legal counsel, in electronically agreeing to the terms and conditions for legal counsel, I inadvertently agreed to " Myscore '' as well. Immediately after discovering my error, I sent an e-mail to " Myscore '' demanding they close my account immediately. Unfortunately, they had charged my Visa Debit card immediately upon my agreeing. I advised them because it was my oversight, they could keep that fee but, close my account immediate and never charge my card again. " Myscore '' agreed to my demand and sent an e-mail confirmation to my e-mail address stating my account was closed XXXX XXXX, XXXX at XXXXest. 
" Myscore '' is an online service company with NO mailing address or US state location that, offers credit monitoring, credit fraud protection, unlimited credit bureau access to your own reports and alerts participants if their credit is being used by someone else unauthorized or may have stolen your identity ; " Myscore '' provides these services for an annual fee of {$29.00} until the participants requests their account be closed in writing or via e-mail. 
Coming up to XX/XX/XXXX, " Myscore '' charged my card again almost a year after I closed the account and received confirmation from them that my account was closed. 
I immediately informed my bank of this problem and they immediately closed my debit card, put the amount in dispute and issued a temporary credit to my checking account in good faith, hoping the company would credit the {$29.00} back to my account. Unfortunately, after 6 - 7 attempts from XXXX XXXX to XXXX XXXX the company has continued reneging on its promise to credit back the {$29.00} to my checking account. 
My bank stated that the company, " Myscore '', has abused their charging privileges and my rights as a consumer. 
Everyone I have spoken with, with the exception of XXXX individuals at " Myscore '', the customer service reps spoke with XXXX foreign accents and each one promised they would process my credit of {$29.00} ... each customer service rep was blaming another rep for my credit not being processed ; and with each promise from XXXX XXXX to XXXX XXXX, I was advised to wait 4-5 business days before the credit post back to my account ... which, to this date has not be done.
Consumer complaint received 2016-05-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (IL)

Experian fails to remove the XXXX account. Experian reports incorrectly the current Date of Status. Experian reports incorrectly that this account is past due. Experian reports incorrectly that this account has a credit line of {$40000.00} and yet my debt is above the credit line which causes me to go 990 % above authorized usage. Experian continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Consumer complaint received 2024-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (MI)

All payments sent 2 to 3 weeks in advance of due date were cashed post due date incurring late fees. Contact with institution is absolutely impossible. Account was cancelled and email indicated only paper notification was cancelled. The bank called to notify of the late payment that was sent XXXXXXXX XXXX XXXX due XXXX XXXX. All web apps. are completely useless and customer service is hours wait time and unreliable as they switch from service to collections then back to service for another. hour and a half hold. All I want is a payoff notice without all the unnecessary fees.
Consumer complaint received 2024-09-23
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (NV)

I am victim of identity theft of personal information being used without my consent. XXXX warned me that my personal information was leaked in the dark web over XXXX times. Someone retrieved my personal information from the Dark Web and signed an lease in my name and used my personal information to obtain the apartment located at XXXX XXXX XXXX. 
The charge was placed on my credit file in XXXX and I have been disputing this charge with XXXX XXXX XXXX account number XXXX. The amount that was placed on my the credit bureaus is in the amount of {$18000.00} There has been an eviction placed on my credit filings causing my XXXX XXXX XXXX XXXX  They have called harassing me several times and continously mail letters to attempt to collect payment. Although my XXXX XXXX is good I have been denied buying a home through XXXX, denied apartment renting and other forms of obtaining credit due to this. It has made my life a living XXXX.
Consumer complaint received 2016-04-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

Citibank offered XXXX XXXX miles for opening a XXXX account after meeting minimum spend + transaction requirements. 

I met the conditions for receiving the bonus in XXXX and was told by multiple support channels that the miles would post on XXXX. When the miles ( naturally ) did n't post, I was again told to wait until XXXX. As of XXXX they still have n't posted despite *another* letter stating that I was eligible for the bonus.
Consumer complaint received 2016-04-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (GA)

XXXX XXXX, 2016 CitiMortgage Consumer Financial Protection Bureau I have been working with CitiMortgage for the past seven months trying to remove PMI insurance ( {$120.00} per month ) from our home mortgage loan. I have followed all required instructions, including paying for the appraisal, using a company of their choice. The appraisal has multiple errors, and did not use fair comparables. I submitted in my Appraisal Appeal XXXX sold comparables and XXXX For Sale comparables that more fairly matched the exterior and interior features of our custom built home ; any of which would meet the LTV criteria in order to drop the PMI insurance. 
I have followed up with CitiMortgage over a dozen times to no avail. During my last conversation this week, I was told they do n't have record of my appeal! Exhausted and frustrated with their run-around, I am reaching out to a federal agency for assistance. 
Below are details of conversations : XX/XX/XXXX Requested specific details of how to request PMI to be cancelled from loan XX/XX/XXXX Submitted my request to cancel PMI XX/XX/XXXX Paid appraisal company thru XXXX {$380.00} XX/XX/XXXX Received appraisal details XX/XX/XXXX Contacted appraisal company directly. Per their representative, my dispute would need to be filed directly with CitiMortgage XX/XX/XXXX Received denial letter from CitiMortgage XX/XX/XXXX Contacted CitiMortgage requesting disputing rights appeal foam XX/XX/XXXX Called CitiMortgage ; never received dispute form. Requested email XX/XX/XXXX Per instructions, faxed completed Appraisal Appeal form ( XXXX pages ) XX/XX/XXXX Called CitiMortgage to confirm receipt of fax XX/XX/XXXX Called CitiMortgage for update on appeal request. Should receive letter in mail. 
XX/XX/XXXX Called CitiMortgage for update on appeal request. Told they will call me back XX/XX/XXXX XX/XX/XXXX Called CitiMortgage for update on appeal request. Told they will call back in 24-48 hour XX/XX/XXXX Open work order # XXXX XX/XX/XXXX Received standard letter about not qualifying for cancellation of PMI. Did not address Appraisal Appeal XX/XX/XXXX Call CitiMortgage to advise I will be filing a dispute with CFPB. Agent advised he could not find where I previously faxed my appeal. I confirmed the fax number that was used and stated on instruction letter. Agent asked that I re-fax to a new fax number.
Consumer complaint received 2016-11-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

Against : XXXX illegal credit reporting The collection agency has violated the Fair Debt Collection Practices Act. Has never communicated with me, I am requesting proof that they communicated with me if they are claiming so ( mail tracking, etc ). A collection agency can create a letter, at anytime, back date it, and falsely claim that they have sent it to the consumer. This has become common practice for collection agencies which they conveniently " do not have any proof that the consumer was notified ''. As a consumer I never had the chance to ask for proof of Debt or communication with this company. As a part of this claim, I am willing to provide concrete proof, legal documents which show that I lived and worked in a US Territory.
Consumer complaint received 2016-08-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have been receiving daily calls from this company for several years now. Often I receive several calls a day which I believe violates the FDCP. The message left stated that I had an unpaid debt and that it I had to call to discuss the matter. This company uses several hundred different numbers and the calls seem to be robocalls. I looked the numbers up online and discovered that this is a debt collector known for fraudulently attempting to collect zombie and/or non-existent debts. 

I have and have never had any debt. I do not owe anyone any money. I will not be sending this company any money. I have checked my credit reports and there is nothing about this alleged debt on any of my reports. I have put a fraud alert on all of my credit reports as a precaution. In addition, I have never received anything in the mail regarding this alleged debt, which leads me to believe that this company does not have my contact information and is phishing for the purposes of committing a fraud.
Consumer complaint received 2017-08-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (GA)

i am trying to submit a loss mitigation application to fay servicing i keep sending forms they want more i send them they say its not fill out right right i know they are ok i ask them to send another form it takes almost two weeks.the account manager is never available its like they kill time until time to take the house, my wife had a XXXX XXXX in XX/XX/XXXX our daughter gave her th XXXX they both had a few problems after XXXX.and my wife have had XXXX XXXX XXXX since medical bills and medicine was so exspensive i had i had to borrow money on the house which we have been in since XX/XX/XXXX.i got a little behind, we can make payments if only give us a chance. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga.XXXX
Consumer complaint received 2024-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

I am a joint account holder with my XXXX mother and I have POA. We have a joint savings and checking account at USAA. On XX/XX/XXXXXXXX XXXX XXXX XXXX My mother was XXXX XXXX XXXX XXXX XXXX  who fraudulently removed $ XXXX from her XXXX account and then wired it to an account at XXXX XXXX. 

When my mom realized what had happened, she called USAA the very next day ( XXXX ) to report the incident. For many days after that, my mom had a lot of trouble getting any information out of USAA, until she finally told ME what happened on XX/XX/XXXX. Together, we managed to reach the fraud department on XX/XX/XXXX ( XXXX XXXX who claimed the investigation had been " closed '' and that a decision would be made on XX/XX/XXXX regarding reimbursement. 

So, we waited until XX/XX/XXXX and I finally called USAA again to get some kind of answer. I was passed around to 3 different people for an hour before I finally requested an escalation to the CEO advisory group. The ONLY reason I knew about this escalation process is because of a USAA Fraud Victims XXXX page. If I hadn't read about it, I wouldn't have known how to get help. 

I talked to a XXXX on this escalation team and she heard me out. She promised to finally assign my case to someone at USAA who can research my situation and " get back to me in a few days. '' We'll see what happens. I hope to hear from them. 

My BIGGEST issues here are : XXXX ) I am a joint account holder with someone who is XXXX XXXX XXXX. Why was I NEVER notified of the transaction? 
2 ) Why is it SO hard to get information on an ongoing investigation? ( It takes 1+ hours to get someone in the fraud department, and that's AFTER escalating from the first front line team ) 3 ) Victims of fraud are made to feel like WE did something wrong and are made to repeat the situation over and over again with each new rep who answers the phone. 
4 ) There was an initial transfer from checking to savings of {$680.00}, which was the impetus for my Mom 's call to the fraudulent company who sent her a " receipt '' for {$680.00}. My mom did not authorize this transaction, nor did she " authorize '' the wire transfer out of {$21000.00}.
Consumer complaint received 2016-05-13
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Pacific Union Financial, LLC (WI)

I was dealing with Pacific Union ( my current lender ) on a refinance, but the original lender who did loan to help me buy the home offered a better deal so I decided to go with them for my refinance. The only caveat was that Pacific Union was offering {$0.00} to close because they were netting my escrow balance toward my payoff amount. When we tried to get a copy of the netted payoff for my other lender to use, I was told by multiple employees on multiple calls that they were sending it but it never came. Finally I got a manager on and they said they never send these and absolutely refused to cooperate. The escrow funds are XXXX % my money, not theirs and they have no right to discriminate in using it to reduce their internal payoff ONLY if they are doing the loan. I need you to please contact them and push them to send the net funded payoff to my fax at XXXX to help me get my transaction closed ASAP. They are putting me in a position where I am risking getting a 30 day late. Thank you for your help.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (TX)

SYNCB/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to formally dispute the unauthorized access and furnishing of my credit information. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, a consumer reporting agency may only furnish a consumer report under specific circumstances and with the consumer 's written consent or under other lawful conditions.

I have recently reviewed my credit report and noticed that my credit information has been accessed or furnished without my written consent. As per 15 USC 1681b, consumer reports may only be obtained for purposes authorized by the FCRA, which include credit transactions, employment purposes, insurance underwriting, and other permissible purposes. Furthermore, under 15 USC 1681c, the report must be accurate and include information based on authorized requests only.

To rectify this situation, I am requesting the following : 1. Immediate Investigation : An investigation into the circumstances of the unauthorized access and furnishing of my credit information.

2. Correction and Removal : Removal of any and all records of the unauthorized access or furnishing of my credit information from my credit report.

3. Written Confirmation : Written confirmation that my dispute has been investigated and that any unauthorized entries have been removed from my credit report.

Please conduct this investigation promptly and notify me of the outcome within the timeframe required by law. I have enclosed copies of my credit report and any supporting documentation for your reference. 
If this matter is not resolved satisfactorily, I will consider taking further action to protect my rights under the FCRA. Please contact me if you require any additional information or documentation.
Consumer complaint received 2019-10-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MA)

Navient is the loan company. Their payment structure doesn't seem legal. For instance I paid about {$4000.00} in a year to only pay about {$200.00} of the principal. It was automatic payments but then it just stopped. They didn't call and I realized after 3 months no payments were taken out. They accrued almost {$700.00} in interest within those missed months. The principal went up. Now in order for any payments to apply to the principal, that {$700.00} in interest has to be paid off 1st otherwise it carries over to the next month and then keeps accumulating. It doesn't seem fair as my family has been paying all this money for the loan to keep increasing. Last year I had it down to {$23000.00} but today it's over {$24000.00} and that's after paying the monthly + more if we have it. Many months I paid {$360.00} instead of the {$280.00} thinking it would help but NO. The monthly interest is more than the payment!
Consumer complaint received 2016-10-19
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (OH)

I received this card and because the rate was very high I returned back to bank and ask them to close this account. They did but never sent me a billing statement. I do n't do paperless statements so therefore I never requested this service. I decided to check my e-mail today and I saw this letter. I did call in and spoke with XXXX reps and XXXX supv but we did n't make it pass the verification even after coming through verified by automated.