davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/XXXX Reported Fraud card XXXX XX/XX/XXXX New card end XXXX issued XX/XX/XXXX Reported Unauthorized Charges on card end XXXX XXXX XXXX  XX/XX/XXXX {$49.00} XXXX. XX/XX/XXXX {$12.00} NEW CARD ISSUED XXXX XX/XX/XXXX Reported Unauthorized card end XXXX XXXX XXXX XXXX {$25.00} {$12.00} No NEW CARD ISSUED XX/XX/XXXX Reported Unauthorized card end XXXX Merchant Security Unknown Unauthorized XXXX {$9.00} {$25.00} XXXX {$28.00} XX/XX/XXXX {$47.00} XX/XX/XXXX {$34.00} XX/XX/XXXX {$21.00} No NEW CARD ISSUED UNTIL XX/XX/XXXX card end XXXX Reported Unauthorized on XX/XX/XXXX Merchant Security XXXX {$120.00} XXXX XXXX XXXX {$110.00} XXXX {$75.00} {$170.00} XXXX XXXX  DUPLICATE CHARGES from Fraud of XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Security of {$230.00} XXXX XXXX. XX/XX/XXXX Reported Unauthorized XX/XX/XXXX {$190.00}. My card changed end XXXX When USAA reported my data breached Why was I left with card UNAUTHORIZED REPORTED FOR 2 FULL MONTHS? XXXX. XXXX and XXXX I was using a Compromised card but Unaware XX/XX/XXXX and XX/XX/XXXX remained end XXXX UNTIL XX/XX/XXXX changed to XXXX Then USAA issued Breach end XXXX USAA DOES NOT PROVIDE ACCESS TO ON LINE due to my XXXX CALLING IS THE ONLY OPTION THEY GIVE CALLING NEVER RESOLVES
Consumer complaint received 2020-01-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Remex, Inc. (NJ)

In XX/XX/XXXX a debt collection agency added an alleged delinquent account to my credit report for a medical bill from XXXX. I had medical insurance at all times and all bills that were submitted as a claim were paid by my insurance company. There was no claim submitted to my insurance for the bill they are claiming is delinquent. I am not responsible in NJ for a medical claim that was not submitted in a timely manner by the provider. 

I have called the agency but they refused to remove the debt from my credit report. The agency is Remex, located at XXXX XXXX XXXX, NJ XXXX. Their phone number is XXXX. The alleged account number ends in xxxXXXX. The charge amount is $ XXXX.My health insurance company, XXXX XXXX XXXX , has no record of a claim being submitted for XX/XX/XXXX for me from the provider, Immediate Walk-In of XXXX, NJ. 

This same company did the same thing to my son about 2 weeks ago for the same alleged debt type and the same amount. He paid the account charge of {$91.00} by credit card because he didn't know how to dispute it. This alleged debt also should have been paid by medical insurance but only if the claim was filed by the provider.
Consumer complaint received 2020-01-16
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Financial Management Solutions, LLC (PA)

On XX/XX/2019, FMS Financial Solution debt collection agency received a letter from me via a certified mail ( tracking number : XXXX ) in which I disputed the debt, put them on the notice of lawsuit and requested them to strictly keep their communication with me in writing. They admit the receipt of this letter in their response to my previous complaint, however, on XX/XX/2019, they contacted me via phone to continue to collect a fraudulent bill. Furthermore, they used abusive language, threatened a frivolous lawsuit and apparently recorded my voice without notifying me or requesting my consent. ( I can submit a copy of the correspondence I sent to them upon request ).
Consumer complaint received 2018-12-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (PA)

The loan was paid in full by a wire transfer on XX/XX/2018 quicken loans messed up the payofff and didnt apply it until XX/XX/2018 after the help from the settlement title company. Not only are they trying to keep the extras days of interest but trying to charge us for the MIP for the month of XXXX in the amount of {$230.00}
Consumer complaint received 2018-12-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (MI)

I believe there was mortgage fraud and possible tax fraud involved with MidFirst Bank, XXXX XXXX and XXXX XXXX XXXX XXXX ... .. 
XXXX XXXX is not only attorney for this bank but also as well owns XXXX XXXX a document company and a real estae company which specializes in forclosures through banks. 
Coincidence or not .... 
You decide if there is foul play in this ring.
Consumer complaint received 2018-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

MY CREDIT SCORE HAS DECREASED BY 17 POINTS AND I HAVE TRIED SEVERAL PHONE NUMBERS AND CAN NOT GET AN ANSWER AS TO WHY MY CREDIT SCORE HAS GONE DOWN. I WANT THIS ANSWERED IMMEDIATELY. THEY ARE ALSO KEEPING INVALID INFORMATION ON MY REPORT EVEN THOUGH IT WAS DISPUTED AND IS CLEARLY NOT VALID.
Consumer complaint received 2018-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (FL)

i was contacted by Rash Curtis and associates for a medical bill from some where in California and also have an address and phone number listed that has never belonged to me. I called them on 3 separate occasions stating that this is not my bill for {$990.00} and I had never lived at that address. I said I would be more than happy to pay the bill if they could provide me with any information at all proving it was mine. To date this has never happened. I also disputed this with XXXX  as they are the only credit agency that has it listed on my credit report. I do not know what else to do to get this bill that is not mine removed from my reporting.
Consumer complaint received 2018-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

As times are bad financially, I have been a bit behind on the monthly payments. Of course here come the {$38.00} late fees. I have called and wrote the company -- -Capitol One -- to ask for am easier monthly pay plan till my financies improve, but was denied. I did request the late fees -- 3 and counting -- be waved during this and was of course denied. Yes, the company does have this right but that does not mean they HAVE too. All payments not their minimum will be given late charges. Pure..FREE.. money for this company. What can be done???
Consumer complaint received 2020-01-12
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: EQUIFAX, INC. (TX)

XXXX XXXX Home Mortgage has reported 4 late payments on my credit report to Equifax and XXXX. I have submitted a dispute to each of the credit bureau 's but the results came back the same. XXXX XXXX refuses to remove the late payments despite proof of payment for 2 of the 4 months reported as late. 

In XX/XX/XXXX I entered a forbearance program with XXXX XXXX. I was medically retired from XXXX XXXX and lost a substantial amount of income. I was to pay {$25.00} a month for 4 months ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Once I completed the payment plan, I was told that a new payment would be calculated to address my arrears and future payments. This would be determined based on income and the options were between a repayment plan or loan modification. 

In XX/XX/XXXX, I was instructed to complete a mortgage assistance application which provided details about my income. It was determined that I would pay my arrears and future payments through a repayment plan of almost {$2500.00} a month. I expressed concern because at the time I was attending school full-time and paying for tuition out of pocket. I submitted an appeal and was told to provide a new application with my education expenses included in the budget worksheet. Once submitted, it was determined that a loan modification would better fit my situation. 

I was then told that effective XX/XX/XXXX, I was to begin making 4 trail mortgage payments of {$1300.00}. I completed the trial mortgage payments in XX/XX/XXXX and my official loan modification documents were signed in XX/XX/XXXX. During the time I was in underwriting ( XXXX - XX/XX/XXXX ) and while I began my trial mortgage payments ( XXXX - XX/XX/XXXX ) XXXX XXXX reported my account late to the credit agencies. 

This has now prevented me from using my VA Home Loan benefit that I served nearly 15 years to earn. It has also prevented me from obtaining a home loan with other lenders and even XXXX XXXX, which is a complete slap in the face. In XX/XX/XXXX I asked my loan preservation specialist about the next steps in making full mortgage payments but was told not to worry as it would be calculated when the time came. At no point was I advised that during the underwriting process and while making trial mortgage payments that my account would be reported late to the credit bureaus. If I had known, I would have never entered any agreement with XXXX XXXX under their mortgage assistance program. 

I want this issue to be reconciled immediately so that I can obtain credit for a new home and so that other service members are not faced with the same situation. XXXX XXXX is impacting a VA benefit that many work hard for and at a high price.
Consumer complaint received 2020-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

Back in XXXX I contacted Experian after going online to XXXX and looking at my credit report. I noticed there were 4 inquiries on my Experian credit report that were not authorized by me. Those inquiries included XXXX, XXXX and XXXX  XXXX. I contacted XXXX XXXX, XXXX and XXXX  XXXX and let them know I did not authorize any of them to pull my credit. XXXX, and XXXX informed me that they would remove the inquires. XXXX  XXXX informed me that when I was searching for a merchant account they pulled my credit apparently to approve a merchant account I was searching for. The problem with that is I didn't authorize the pull I just wanted information about the account. Not to have a hard inquiry on my credit report. I informed every merchant account company of this before the application process to run a soft pull or not to pull my credit at all if they could not do a soft pull. I contacted Experian as well and asked for the inquiries to be removed. Experian informed me that it would take up to 90 days to remove the inquiries. It has been past 90 days. I am in the process of trying to buy and or rent a house and these unnecessary unauthorized inquiries lower my credit scores. XXXX  and XXXX  don't have these inquiries on my reports, yet Experian does. I even asked Experian to note in their computer systems my requests more than once to remove these inquiries and they informed me that they did. Please help me get these inquiries off my credit reports. The only thing I can think of to do next is file a lawsuit against Experian for not removing the inquiries which are causing my credit scores to be lower than they should be making it more difficult for me to purchase or rent a home at this point. Please help me.
Consumer complaint received 2020-05-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (OK)

XXXX XXXX I removed {$500.00} by atm that had a fee of {$2.00} successfully and received my text alert.The next day ( XXXX ) it would not allow me to withdraw the same amount and my online account was locked and said to call customer service, over the next few days I spent over 10 hours waiting to speak to anyone and the phone was disconnected at 2-3 hours of waiting. I now demand closure of the account and the remaining some of {$690.00}, as of XX/XX/2020 be sent to my home address.
Consumer complaint received 2020-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (OH)

To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) and the Fair Collection Practices Act committed by Midland Credit Management. 


After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Consumer complaint received 2020-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

My mom added me as an authorized user on her credit card she opened without my authorization or knowing and her credit card balance shows up on my credit report. I had her call and take me off and was told it should drop off of my credit report in a few days but Im nervous and annoyed with the fact she so easily could add me onto her credit card without my social sec. or permission.
Consumer complaint received 2020-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc. (OH)

To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) and the Fair Collection Practices Act committed by Great Lakes. 

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Consumer complaint received 2020-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX I received a call from XXXX saying my XXXX ID, and subsequently the apps on my phone, had been compromised. I was told that there were some suspicious charges to my accounts and that we would need to reset my passwords to prevent further fraud. The person on the phone had remote access to my computer and went through various " security precautions '' to prove it really was XXXX on the line, so I believed them. They told me there were fraudulent attempts specifically with XXXX XXXX, XXXX and XXXX, and that they would help me set up two-factor authorization to improve my account security on the back end. Following our call I called XXXX back to verify if I had actually been speaking with one of their employees and they told me it was not - they would never initiate a call unless requested by the customer. 

That's when I checked my bank account and saw the following charges : XXXX - {$500.00} XXXX  - {$490.00} XXXX - {$100.00} I believe there were other charges but they were declined as my account did not have sufficient funds. 

I called Bank of America immediately to report this and they told me they were opening a claim to investigate. In the meantime, they posted a credit to my account in the amount stolen. 

In XXXX I received a letter from Bank of America saying my claim was denied and that the funds would be removed from my account. I called them immediately saying this was unacceptable as I was the victim of a crime, and the person I spoke with said they would re-open the claim to investigate further. To my surprise, the funds were still removed from my account on XX/XX/XXXX. This wiped the little I had in my accounts, leaving me with a balance of - {$930.00} in Checking and {$0.00} in Savings. My next pay day would not follow for 8 days, so I called Bank of America immediately that day and spoke with several people for over an hour. They said they were still looking into the claim but would not be able to post a credit to my account as it had been rejected the first time. They also told me the claim had been rejected as this was considered a phishing scam, not fraud. They told me it would take 45 days to re-review my claim and there is no guarantee that it will be approved then, and I may not get my money back.
Consumer complaint received 2020-05-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (CA)

Checked XX/XX/2020 monthly credit report and noticed that the following company has included deragotory info on credit file I have no knowledge of the company, debt amount reasons for debt Need origination of company, -What -When -Why -How Southwest Credit System XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX amount {$68.00}
Consumer complaint received 2020-05-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (OH)

To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) and the Fair Collection Practices Act committed by Synchrony. 

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Consumer complaint received 2020-05-03
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. (VA)

A few weeks ago I called a spoke to supervisor at Transunion about an ongoing issue with a account listed on credit report. I asked her how is it possible that account that has been closed since XX/XX/XXXX have different dates reflecting on my credit report. I informed her that I purchased my credit reports from MyFICO on two different occasions and dates. The first purchased reported dated XX/XX/XXXX had a close date of XX/XX/XXXX and the second purchased date of XX/XX/XXXX had a close date of XX/XX/XXXX. 

When questioned about it she said that was the information that was transmitted or sent by XXXX. I asked her how is that possible that an account has three different " closed '' dates? 

I also pointed out to her that account was sold to a outside collection agency and when I asked her if I could submit my own documentation to prove otherwise she said that Transunion would not accept it. I told her I had proof i.e.a bill from the outside collection agency with the Original Creditor and the balance that matched the balance from the original creditor and she still said Transunion would not accept it. 

Transunion is denying me due process afforded to me under Federal Law by refusing to accept clear and cogent documentation pertaining to my dispute. I have pointed numerous discrepancies on my report and Transunion refuses to acknowledge or fix them.
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Found out that I was a victim of identity theft back in XX/XX/2019. Started trying to get items removed from all three bureaus, with no luck. Went and set up an account at identitytheft.gov and went through all necessary steps. Items were deleted, and now are showing back up, according to XXXX, as being " verified. '' They will not share with me the correspondence showing this or what they received. Site stated the next step was to file a complaint against the bureaus.
Consumer complaint received 2020-03-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (MI)

BARCLAYS BANK DELAWARE The first time I've ever heard of Barclays Bank when they sent me a billing statement with a balance for around {$1400.00}. I called them soon after and told them that this is not opened and was fraudulently opened and I had no knowledge of the company or the account. Then they still put it on my credit report as a charge off. I don't know how to prove that I didn't open an account with them, every account that I have opened are always paid on time and never late.
Consumer complaint received 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (OR)

Have disputed several times with 3 credit reporting agencies to correct the principal balance and interest rate and payment history on said loan with Shellpoint Mortgage company.

Shellpoint is reporting incorrect information to 3 credit bureaus on Account principal balance and interest rate and payment history.
Consumer complaint received 2020-05-03
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

After waiting over 5 weeks to get the XXXX debit card, we are not able to obtain a PIN number or create an online account in order to make use of the funds. When calling, we are given a recorded message requiring that we use the Bank of America Pre Paid Card Website in order to access our account, however that website only provides an error. This leaves us without access to the funds needed to pay rent. Without access to the online account, and with their phone support directing us to the website, we can't transfer funds to an account so we can write checks.