davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-27
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. (AL)

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. XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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 2023-05-22
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I was a victim of identity theft in the military and I sent in all the proper paperwork and information to the credit bureaus to have them accurately fix these issues. Some of these items are taken off of some of the 3 bureaus and still reporting on the other. The process should be the same for one and the other. While in the Military it is hard to contact the credit bureaus from overseas and I am fed up. This has been going on for over 5 years. I sent in FTC reports and also a FBI Victim report because the Feds caught the guys with id and drivers license in my name and arrested some of them. 
XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX USAA SAVINGS BANK CREDIT CARD BALANCE XXXX $ XX/XX/XXXX ALL THESE ACCOUNTS BEEN CORRECTED ON XXXX AND XXXX BUT NOT XXXX XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX REPORTED THIS ACCOUNT THAT WAS FRAUD AND DELETED PREVIOUSLY FROM XXXX XXXX THE PURCHASED SOME DEBT FROM SOMEWHERE AND REPORTED THIS TO MY CREDIT I TOLD THEM THAT IT WAS FRAUD AND DELETED BY THE CREDITOR.
Consumer complaint received 2015-12-22
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A. (PA)

I had previously filed a complaint against Flagstar Bank back in 2014. You should have that complaint on file. Since that time we have gotten no where with the bank. The home was vacated in 2014, we tried to do a cash for keys, a deed in lieu of foreclosure, and a short sale. No one from the bank would answer me, the realtor selling the home or our attorney. We had XXXX offer and the bank would not respond. They just continued asking over and over for the same documents. Once they were sent they would wait a few months and then say they needed new ones or claim they were never relieved. These documents were sent by myself and the realtor. All to no avail. I see a settlement was reached with Flagstar but I see no difference in their mortgage servicing practices. They give me a phone number, but no one answers that phone, you leave a message and no one ever returns your calls. Then every six months or so they send me a new letter and claim they are closing their file because I did not provide them with the information they requested. This is just not true, everything they ever asked for was sent. I also complained to the attorney general in the state of MI, but they referred me to your office.
Consumer complaint received 2017-07-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I received a letter from Bank of America on XXXX XXXX, 2017 dated XXXX XXXX, 2017 that my checking account was going to be closed and that my Debit card would be inactive in 21 days, and closed in 30 days and that this was a business decision, no further information or explanation would be provided and the decision would not be reconsidered. I immediately went into the bank and presented the letter and the agent looked up my account and indicated that it was not schedule for closured and the letter should be disregarded. I used my debit card on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and the morning of XX/XX/XXXX without issue. Over the past week I have had several deposits made into this account and now I can not even transfer the money into my savings account so that I may access it. I attempted to use my debit card the afternoon of XX/XX/XXXX and my card was declined. I attempted to call the bank and it indicated that I no longer had a debit card or a checking account with Bank of America. I have had this account for over 12 years, and I have never had any irregular activity or overdrafts. I do not owe Bank of America any money and I have received no other communication about why the status of my account has changed. I called the number provided on the letter for questions, and the agent repeated about 12 times- this was a bank of america decision and the reason is that your agreement says we can close the account at any time and we do not have a reason to provide. I now have no access to my funds, and I can not pay my bills because I can not transfer it and all of my direct deposits go into this account and my automatic withdrawals come out of this account as well. I have been halted from doing business and pending transfers into this account are in limbo- this is beyond an inconvenience and has caused me to experience loss of business and public embarrassment.
Consumer complaint received 2019-08-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: H. Kent Hollins, Attorney at Law, P.A (NE)

I didn't know anything happened until I got my direct deposit and noticed I was missing a huge amount of money. A couple of days later I got a letter in the mail from my human resources office of a copy of a court ordered garnishment. The paper showed my maiden name ( XXXX XXXX ) and an address in XXXX, Florida ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLORIDA XXXX ) in which I've never lived or have ever been. I also noticed that my own human resource office gave these people my current address without my consent or informing me of this. I never got a chance to exercise my rights of this claim/judgement/court order as I didn't know anything about it. I also noticed that the original creditor is XXXX. The only XXXX I know is a gas station, and if I ever owed them anything that wouldve been over 20 years ago, which is well past the statue of limitations. So here 's the information on the copy of the paperwork : PREPARED BY : H. KENT HOLLINS # XXXX ATTORNEY AT LAW, XXXX XXXX XXXX XXXX XXXX. 
XXXX, KS XXXX ( XXXX ) XXXX TOLL FREE ( XXXX ) XXXX FAX : ( XXXX ) XXXX ATTORNEY FOR THE PLAINTIFF -IN THE DISTRICT COURT OF XXXX COUNTY , KS XXXX JUDGEMENT CREDITOR VS XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX JUDGEMENT DEBTOR XXXX XXXX ATTN PAYROLL DEPT, XXXX XXXX XXXX XXXX , ( XXXX ), XXXX XXXX GARNISHEE PURSUANT TO CHAPTER 61 OF KANSAS STATUES ANNOTATED CASE NUMBER : XXXX REQUEST FOR WAGE GARNISHMENT {$1000.00} DATED : XX/XX/2019 *SAID THAT THE ALL PARTIES WERE TO BE NOTIFIED/RECEIVE A COPY OF THIS GARNISHMENT ORDER IN FOR AN OBJECTION WITHIN 14 DAYS AND I NEVER GOT ANY COPY OF SUCH OR I WOULD'VE OBJECTED. 
*WRONG ADDRESS, BUT FOUND MY EMPLOYER AND YET I WAS NEVER INFORMED AT ALL. 

EXECUTED ON : XX/XX/2019 GARNISHED FOR : {$260.00} XX/XX/19
Consumer complaint received 2019-08-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I was affected by the National Disaster in XX/XX/XXXX, I was employed in a Federally Declared National Disaster Area due to the CA Wildfires. I am in contact w my first loan servicer and previous servicer to obtain disaster assistance I previously applied for, which has been affected as a result of my loan servicer transfer. I advised SLS that was in the middle of applying for assistance based on the disaster and that I was affected prior to SLS beginning foreclosure proceedings. I also requested an assistance package which I never received. Now I have a pending sale date at the end of this month, XX/XX/XXXX, which SLS advised me was an option on my account.
Consumer complaint received 2016-03-10
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Gragil Associates, Inc. (NH)

I have confirmed with the hospital the procedure was performed at ( XXXX XXXX ) that they got a notice that the statement was not getting to me. They ( XXXX in the billing department ) read my address to me as # XXXX, I told her it is # XXXX and she said " yeah that 's what I meant '' and changed it. 

The first contact from Gragil Associates, I explained that I never knew I had a debt and certainly would have worked this out with the hospital, and asked if I could do that instead. She said no, and that she needed me to pay the full amount or it would be on my report and they would take me to court. I said I could not come up with the money, but can make payments, and she refused. She said " they do not do that '' and I have to pay the full amount. Since then, I have received a bill every month, and every month they 're adding more negative comments to my credit report. Every month, I do the same thing, and call and say that I can make a payment, but she says the same thing " they do n't do that '' and she wants it in full ( yet they are reporting to the credit agencies that I am refusing to pay, which is not at all the case ). I got a final letter on XX/XX/XXXX that says " I fail to understand your lack of cooperation and feel this should be paid. '' I have been trying to cooperate since day one, but they keep falsely telling the credit agencies that I am refusing to pay, destroying my credit. XXXX XXXX XXXX refuses to take a payment unless it is in full, which I can not afford, and they will not give he debt back to XXXX XXXX hospital, who now knows the mistake that happened in the first place and would be willing to work with me on a payment plan. 

I would like these negative remarks taken off of my credit reports from them, as I am TRYING to take care of this debt ; in addition I would like them to accept some sort of payment, or give the debt back to the hospital, so I can stop receiving threatening phone calls and letters in the mail. 

In addition, it should be stated that I have tried calling every single day since the latest letter was mailed to me on XX/XX/XXXX, and am told every day that she is not in the office ; so now they are still sending me threatening letters and having other people call me, but she will not speak with me.
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

I requested proof that the repossession of the subject vehicle was legal in accordance with the law.. Since Equifax was unable to provide me proof within 15 business days as required from receipt of my letter the alleged claim of deficiency will be considered null and void.. They did not remove it that's why I am filing this complaint to make you aware and take care of it. Remove XXXX XXXX XXXX
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have reached out to XXXX XXXX about reporting to third party credit bureaus on an account that is closed. I do not wish to contract with XXXX XXXX. XXXX, XXXX, and Transunion have not removed the closed XXXX XXXX account from my report as I did not give written or verbal agreement to report to those agencies. I have tried to dispute the account with the bureaus but they have yet to remove it.
Consumer complaint received 2015-12-07
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Cash Express, LLC (TN)

I XXXX XXXX took a loan out with cash express and right now as it stands I am going though a financial hard time and I will admit I do owe it just recently cash express came to my mom and dad 's house and delivered paperwork to my mom while I was away and I offered them {$100.00} a month and they would not accept the payment and told me they would see my XXXX in court. and I do draw a XXXX check so just recently I typed up a cease and decease form and mailed it to the corporate headquarters and the local store of cash express on XX/XX/2015 and just recently I just received XXXX letters XXXX from the corporate headquarters and the local store and I do have witness to said fact of the letters being sent out and received. if you like anymore information please contact me XXXXXXXXXXXX
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (PA)

On XX/XX/2023, I applied for the American Express XXXX card and I was approved. There was a pre-approval process in which a soft inquiry was conducted an a hard inquiry would only occur if I accepted the offer, which I did. I then saw that I could apply for a second card with additional benefits ( The Blue Cash Preferred ) and when I went to apply, I didn't see any notice or statement that said there would be a second hard inquiry so I was under the impression that since it was the same day and same bank, there wouldn't be another inquiry. However, I accepted the second card, and another inquiry was added to my XXXX and XXXX credit reports. I called customer service and spoke with XXXX who said he would transfer me to the credit bureau team who would explain how to go about removing the second inquiry. From that point on, I was transferred five times and each person I talked to said they weren't the right team. Finally, I spoke with XXXX XXXX in XXXX XXXX, Texas who placed me on hold a few times to speak with the team that would handle the matter. She told me they couldn't do anything because each application comes with a hard inquiry but I explained that I did not see a notice and disclosure that stated any application or subsequent application after the original credit application would result in a hard inquiry. XXXX XXXX told me she was creating an internal case but we got disconnected. Before we got disconnected, I explained to her that under the FCRA, permissible purpose requires expressed consent on my behalf for any credit reporting agency to furnish my report to any person. I don't know the status of the internal case at this time.
Consumer complaint received 2015-12-08
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: GENERATION MORTGAGE COMPANY (CA)

Generation MortgageXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX : loan # XXXX XXXX XXXX & XXXX : XXXX obtained a jumbo reverse mortgage loan from you on XX/XX/XXXX. There was an underwriting condition for " a set aside of {$26000.00} for one years ' worth of property taxes and insurance plus 10 % '' ( see attached underwriting conditions ). 

My first installment of property taxes was paid, but my second XXXX was not. As a result of this XXXX XXXX installment not being paid on time I incurred a {$940.00} late penalty. I always pay all my bills on time and never would have allowed this to occur had I not understood that you were going to pay these taxes for the first year. 

The loan is now sold to XXXX as of XX/XX/XXXX, but you owned this loan when the XXXX XXXX became due in XXXX and also owned it when the taxes became delinquent on XX/XX/XXXX. I was never contacted or notified that you did not pay them, and since you had withheld the funds to pay them and had paid the first XXXX, I fairly assumed that you would use the withheld funds for the purpose that they were withheld and intended for and pay the XXXX XXXX of taxes as well ( or at the very least notify me that you could not for whatever reason ). Because your error of not paying them within the grace period cost me {$940.00} I need to be reimbursed by you for this amount. 

Please forward me a check in the amount of {$940.00} to reimburse me for your error in causing this burdensome fee. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXXXXXXXXXX. I have previously sent this same letter to you in XX/XX/XXXX. I have never received a response from your company. I have also contacted the company you sold this loan to, XXXX and they state that they did not acquire the loan until the tax payment was already late ( which is true ) so the responsibility for this error lies with your company and I insist that you correct it by sending me a check for the amount of the late fee I incurred by your company 's lack of follow through and financial disregard for my account.
Consumer complaint received 2020-08-21
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: UNIVERSAL ACCEPTANCE CORPORATION (NE) (CA)

I have a loan with UAC/CARHOP and XXXX ( Original Creditor : 11 XXXX XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, UAC/CARHOP and XXXX ( Original Creditor : 11 XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2023-02-02
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. (TX)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX, VA XXXX 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 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
Consumer complaint received 2015-06-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (TX)

on XX/XX/XXXX I received a letter from Dynamic RecoverySolutions whom I have never heard of saying that I owe XXXX XXXX XXXX $ XXXXXXXX.and wanting me to make arrangements to pay them. The date of service was suppose to be XX/XX/XXXX. I was not in the hospital at XXXX in and at no time. they are saying I better make arrangements to pay ASAP. I have good credit and my credit is monitored threw an agency to and this is not and never has been on my record. people like this need to quit scamming people.
Consumer complaint received 2016-01-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AR)

I am a XXXX veteran and have a checking account, XXXX investment accounts and XXXX vehicle insurance policies with USAA. 

I have been depositing the same weekly payroll check via the USAA mobile app into my USAA checking account, for the same amount and drawn on the same corporate bank for over 2 years without problem. My funds have immediately been available to me in the past. 

USAA has begun to " hold '' my checks for the entire deposited amount for 8 days before releasing and allowing access to my funds. Just yesterday I deposited a payroll check so that I could pay a car insurance premium and was stuck with a " hold '' on my check until next week. I had the same thing happen on a deposit XX/XX/2015. The hold is placed on the deposit for 8 days and then the funds are made available. 

I had been in the VA hospital and my auto insurance policy is about to be cancelled so I needed to pay it after depositing my check. Now thanks to USAA I will not be able to do that and after speaking with them there is nothing that can be done to reverse this " deposit '' so that I can cash my check somewhere else and conduct my business. 

USAA customer service and product policy has become very customer unfriendly to the point that I am cancelling all of my accounts ( auto, investment and checking ) with them. 

If you want reasonable and timely access to your hard earned money you should avoid this " bank '' and deposit it into a real bank that has a real branch near you. Meanwhile, I am stuck waiting for this smug " bank '' to release my money.
Consumer complaint received 2016-05-03
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Chrysalis Holdings LLC (NC)

XXXX XXXX ( mortgage originator at New Day USA ) offered XXXX solutions to help me with the high interest rate loan offered by New Day USA. 1. Buy down points for {$5000.00} to reduce the mortgage rate. 2. 30 days after the closing ( XXXX/XXXX/16 ) I could take advantage of the VA 's rate reduction program. A competitor firm highlighted the VA 's rate reduction program for me. I became apparent to me that buying down the rate was unnecessary. New Day USA duped me into paying an additional {$5000.00} in fees.
Consumer complaint received 2023-02-02
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. (MD)

I haven't had any success with updating/correcting my personal information with the three credit bureaus, XXXX, TransUnion, and, XXXX.