davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A. (WA)

In XX/XX/2021, we were finalizing a refinance to pay off our prior mortgage with Flagstar Bank. Our new mortgage received a pay off letter on XX/XX/2021 good until XX/XX/2021. In it was listed the total principal balance of {$320000.00}, interest due from XX/XX/2021 to XX/XX/2021 of {$970.00}, a recording fee of {$120.00}, and a per diem of {$39.00} if the payment was received after XX/XX/2021. In total, the full pay off up until XX/XX/2021 was {$320000.00}. Our new mortgage was completed and on XX/XX/2021, payment was sent to Flagstar for a total of {$320000.00} which included interest paid until XX/XX/2021. However, payment wasn't processed until XX/XX/2021. After all funds were allocated, Flagstar decided that {$16.00} was still missing and removed this from the escrow account that same day. The only way we found out about this was by logging into our account online, we weren't made aware of this issue. 

Since becoming aware of this issue, we have reached out to Flagstar many times but to no avail. The specific dates are XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and today, XX/XX/2021. Each time, we have spoken with a representative and their corresponding supervisors who have confirmed that something is wrong and the math doesn't add up. However, the specific departments that need to investigate this, the cash operations and management teams, aren't reachable to us by phone and have given responses that don't clarify why they believe there is no issue here. We have even asked for them to spell out all of their calculations so that it is clear why we are wrong but they have failed to do so. The only response provided have been inadequate and state that we are wrong ( they are right ) and that the month of XXXX doesn't end on the XXXX.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (HI)

There is an account in my XXXX Credit report that I have not opened. Elan Financial Services. I have not opened any credit since the last 5 years from the COVID-19 Pendamic. I have never associated with Elan Financial Services. I have never owned or used any credit card by that company and I am not sure why it has posted late payments when I never used the card, owned a card, and associated with the company. I have filed an identity theft report and a police report as well notifying this incident. I have also contacted my other financial institute informing them of this incident.
Consumer complaint received 2021-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MO)

There is STILL an account on my XXXX and XXXX reports, for {$1400.00}. Original creditor : XXXX. I did not open this account. If one was it was without my consent/knowledge. Neither company has presented proof of ownership nor debt validation. I have been trying to obtain both for almost a month now. Still nothing. XXXX 's reason for no proof : their " contracts '' are online only and that literally anyone can open an account in anyone 's name. They suggested a police report be filed. This account originates in mid XXXX! I am not responsible for this account, period! I did not open this account and I did not know about it until end of XXXX, XXXX! CCS claims that it's valid because they apparently sent me letters about the account. Again, no proof or copies of those either. I never received them! Either CCS and XXXX, produce the proof of ownership I've requested several times, take it off all of my reports, or I will be forced to seek and take legal action. Its ridiculous that they have produced nothing, yet it's still on my reports, except one. Why was it removed on one but " valid '' on the others. After repeated disputes with XXXX  and XXXX, and complaints filed against both companies with XXXX there has still been zero action take. At this point I feel slightly failed by both credit bureaus. It's not ok that companies with zero proof of debt ownership, admittedly so, can still try to take money from me, and there is nothing being done to help me. I hope this issue can be resolved as soon as possible.
Consumer complaint received 2024-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST PORTFOLIO SERVICING INC (NH)

On XX/XX/XXXX, I contacted Total Visa and Revvi regarding two accounts I had recently opened, each with a {$300.00} limit. Upon activating both had a balance due, due to fees. I paid both balances in full and used both cards several times. I paid both balances in full on XX/XX/XXXX. On the XXXX neither cars would work, and both showed no balance due, payments posted, and no credit available. I contacted both companies to find out why the cards weren't working. I was advised my payments were considered " suspicious '' and my accounts were deactivated until I could provide proof the payments posted to my checking account, along with a copy of my Drivers License. I submitted screenshots of the posted payments along with the ID photo and waited until XX/XX/XXXX. I called to find out why nothing has been done yet, and was told the " documents I provided are insufficient and they need my entire bank statement ''. I'm NOT giving my entire bank statement to a small credit card company to " verify my indentity '' when it's already been verified multiple ways ( social security number, photo ID, linked checking account under my name, etc ). 

So now I've paid fees to both of these companies for cards that are useless. The cards have no security features ( chip, tap, etc ) but they claim this is all in the interest of " account security ''. It feels like I'm being punished for paying my bills on time.
Consumer complaint received 2023-02-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Healthcare Finance Direct LLC. (CA)

I have been behind on payments due to health and family issues.. I tried to explain or to them.but they didnt care so I had to stop payments to make sure my family was fed. I finally got some money coming in and made a ONE time payment of the regular {$67.00} and some change. But they decided after to take four {$25.00} payments and a {$170.00} payment one right after the other without my permission to do so. They completely emptied out my bank account.
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (OH)

BEST BUY/CBNA Account Number XXXX closed my account due to covid 19 and my income was affected. I was on a payment plan with best buy but due false information the account was never reopened
Consumer complaint received 2021-04-26
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: EQUIFAX, INC. (NC)

I am filing a complaint on Equifax. I have 3 fraud inquiries that I have disputed several times and they have not removed. Not only have I disputed them but XXXX XXXX XXXX contacted them twice to let them know to remove the inquiry dated on XX/XX/XXXX due to fraud and they still haven't removed it. I advised them that the XXXX XXXX inquiry from XX/XX/XXXX is fraudelent and the XXXX XX/XX/XXXXfrom XX/XX/XXXX is fraudelent and they haven't removed any of them. I also sent in a letter from XXXX stating that it was fraud, they have done nothing. I also have a collection account that I paid to delete for XXXX XXXX XX/XX/XXXXand sent in Proof of Payment and the information stated the account would be deleted and this hasn't been removed either. It like they simply ignore any valid information and leave the delinquent information on your credit report even though they know its not supposed to be there. It is simply against the regulations.
Consumer complaint received 2021-04-27
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. (CA)

XXXX XXXX is reporting two accounts in my credit profile under authorized user. Let me be clear I have never held a XXXX card much less having one in my credit report. 

Those cards that are on my profile are affecting my utilization % and this is not ok. 

Please verify and remove such accounts from the credit bureaus as soon as possible. 

I attached a copy of my Experian report, however, I have confirmed the existence of these accounts with XXXX and XXXX
Consumer complaint received 2021-04-26
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: EQUIFAX, INC. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XX/XX/XXXX and XX/XX/XXXX CRAs. On XX/XX/2021, I mailed Equifax, XX/XX/XXXX andXX/XX/XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-04-27
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. (OH)

i pulled my reports and noticed i have multiple name spelling and social security numbers and inquiries that i am unaware of. listed below are those items and i was unable to get a copy of my equifax report. the addresses listed below i have never lied at maybe a relatives address yet not mines. I am in distress because i never used my credit before nor have i had any bills or debt in my name. These accounts and addresses and social security numbers that are not mines are listed below. XXXX XXXXXX/XX/XXXX SOCIAL SECURITY NUMBER ENDING IN XXXX MULTIPLE NAME SPELLINGS/TELEPHONE NUMBERS XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX OHIO NAME ID XXXX XXXX ON EXPERIAN REPORT IS UNKNOWN XXXX XXXX XXXX XXXX IS MY UNCLE WHO IS DECEASED I DONT KNOW WHY HE IS LISTED ON MY XX/XX/XXXX REPORT
Consumer complaint received 2023-02-23
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. (NV)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXXXXXX Balance : {$350.00} XXXX XXXX XXXX XXXX Balance : {$14000.00}
Consumer complaint received 2021-04-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (IL)

I received a email from Chime bank saying that my account was suspended for suspicious activity. They never stated what activity. In the email they requested copies of my state issued Id and another form of proof of address and a explanation of the funds in the account. I supplied all information the same day I got the email. I never heard back from them for a week. I called and emailed every day. I finally got a email back from them saying they were closing my account and I was not due a refund. And they could not give me any more information. I tried calling several time and can not get through to a live person. Meanwhile my income tax both federal and state are in the account and Im they telling me I cant get my money with not explaining how is this even possible. I submitted everything they have asked of me more than once and I have yet to hear back from the bank.
Consumer complaint received 2021-04-27
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: ALLIANT CREDIT UNION (SC)

I WAS A VICTIM OF IDENTITY THEFT, THE RESULT OF THAT SEVERAL ACCOUNT WERE OPEN UNDER MY NAME. 
ALLIANT CREDIT UNION # XXXX ... XX/XX/XXXXXXXX XXXX XX/XX/XXXX# XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX. 
XXXX XXXX # XXXX,XX/XX/XXXX # XXXX. 
XX/XX/XXXX XXXX # XXXX ... .XX/XX/XXXXXXXX XXXX XXXX XXXX 
XXXX XXXX XXXX # XXXX XX/XX/XXXX # XXXXXX/XX/XXXX # XXXX ... XX/XX/XXXX# XXXX ... 
XXXX XXXXXX/XX/XXXX XXXX # XXXX,,, XXXX XXXXXX/XX/XXXX XXXX.
Consumer complaint received 2023-02-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (NY)

Aspire loan service company bought existing loans and knew I was struggling to make payments and continue to report to my credit that it was late damaged my credit significantly and now I have late payments that will prevent me from getting my credit lines
Consumer complaint received 2021-04-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX RE : Account # XXXX XXXX XXXX XXXX Portfolio Recovery, a debt collector, has reported a debt maintained under my Social Security number to XXXX  and XXXX, credit reporting agencies. Portfolio Recovery has failed to validate this debt.

The South Carolina Statute of Limitations is three years. Portfolio Recovery states they purchased this debt on XX/XX/2017. 
I enclosed copies of my requests to Portfolio Recovery, asking them to validate my debt, ( Fair Debt Collection Practices Act Sec. 1692g. - Validation of debts ) and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. No listings for {$1600.00} from XXXX XXXX or XXXX XXXX are recorded on any of the three credit reporting agencies. I challenged the accuracy, compliance, and report ability of this listing. 

I also sent XXXX  and XXXX  asking them to validate this debt. No information was provided back to me from XXXX or XXXX  that validates this information and provided me no documentation associated with this account, bearing my signature or any such documentation. 

FTC opinion letter on validation Section 809 ( a ) of the FDCPA, 15 U.S.C. 1692g ( a ), As per Attorney XXXX XXXX XXXX Division of Credit Practices, This letter says it all - a printout is NOT sufficient evidence of a debt and the burden of proof is on the collector.
Consumer complaint received 2023-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (NY)

my internet/cable was paid but XXXX  said that XXXX was ordered many times via a button on the remote I explained to them that I did not order any XXXX or other movie channel neither did my grandmother they say it could be done via one button on the remote which I ask them to fix and they told me they did then I disconnected the service because they still kept billing me on that I paid them what I know was owed from when I disconnected the service but spectrum refuse to acknowledge that my service was off and continued to bill me. the next thing I notice I'm getting calls from some debt collecter Bpo I'm a full-time student and can not afford to pay anyone at this point. thank you.
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

A recent application for credit made me aware that my credit score was being effected by what all 3 credit agencies label as " proportion of balances to credit limit is to high on bank revolving or other revolving accounts '' or " amounts owed on accounts is too high ''. These statements do not accurately reflect the true status of my credit, as all accounts are paid fully each month. Upon investigation, I find that XXXX XXXX is providing what I consider to be false statements concerning my high balance. For my XXXX credit card balance, they stated to all 3 agencies " High balance of {$14000.00} from XX/XX/XXXX to XX/XX/XXXX ''. The balance stated for my XXXX limit card is also inaccurate for the stated period. The high balance they are seemingly reporting occurred in XXXX of XXXX, and was paid off that month. I have attached my complaints to XXXX XXXX, their reply, and a typical example of the credit report that XXXX XXXX is providing to all three credit agencies. 
From XXXX XXXX 's reply letter of XX/XX/XXXX, they state that the high balance they report is correct, and that it represents the highest credit balance since the account was opened. If this is a true statement that represents the credit reporting industry standards, I need to understand how your agency is interpreting the data they provide. Could your please provide answers to the following questions. 
1. Why my accounts were determined to be " high amounts owed on revolving accounts ''? What factors are integrated into your formulas. 
2. Does your credit score system recognize that the high balance being reported is from XX/XX/XXXX. 
3. Are monthly paid balances accounted for in any of your credit scoring procedures.

4. XXXX XXXX  states they use the highest attained balance as their reported " high Balance ''. Do all similar credit reporting companies apply the same strategy, or do some use a 12, 24, or 36 month rolling high credit balance to more accurately reflect recent credit utilization patterns. ( Please provide detailed answers )
Consumer complaint received 2023-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

The date of deposit made in my account was XXXX of XX/XX/XXXX, the amount of deposit made into my account is {$120000.00} ( XXXX XXXX XXXX dollars, XXXX cent ) . I tried making a withdrawal from my account and my account was restricted from making and form of withdrawals. I contacted capital one bank with on the number displaying on my online banking platform, saying call us to resolve the issues and explaining the issues with them. The responds I get getting is, they are investigating the issues and will get back to me with a cashier check when it's resolved. Till date my money is still in my account and they keep posting interest to my account every month, since the XXXX of XX/XX/XXXX. XXXX of XX/XX/XXXX will make it exactly 1year.
Consumer complaint received 2021-04-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Point Financial Corporation (IL)

1. HOMEPOINT called me on XX/XX/2021. 
- I received a phone call on my personal cell phone number from a woman that did not identify herself, but she was asking me to identify myself. This immediately triggered my suspicion that this was a illegitimate phone call. 
- After I insisted that she identified herself, she said she was calling from HOMEPOINT, a mortgage company, about my application for a mortgage refinance. I NEVER REQUESTED OR APPLIED FOR A MORTGAGE REFINANCE WITH HOMEPOINT. At this time, I TOLD HER I WAS NOT INTERESTED in refinancing and hung up.

2. Homepoint emailed my personal email address on XX/XX/2021. 
- It is unknown how they obtained my email address or phone number. 
- The email with subject line : " important information about your mortgage '' requested that I register in their website and " view your loan information '', essentially suggesting that I had a loan with them, WHICH I HAVE NOT EVER HAD. 
- I called the phone number in their email. The automated reply stated that I had an account with them associated to my phone number. AGAIN I DONT HAVE AND HAVE NOT EVER OPENED AN ACCOUNT WITH HOMEPOINT. 
- After navigating through the menu, the automated operator constantly asked me for my last four SSN digits, and in one occasion it asked for my full SSN. I did not provide those.

- I finally reached a representative to confront about the fact that I do not have an account with them, but he suggested that I might have to find out if I need to pay HOMEPOINT instead of my current mortgage servicer. 
- The HOMEPOINT representative, myself and a representative of my current lender servicer had a three-way phone conversation. My current servicer asked for my SSN last four digits, and at this time I hung up as I did not want to provide them with the HOMEPOINT representative on the line. 
- I called my current mortgage servicer, and verified that my account is in order and I am still making my mortgage payments to them. 
- I unsubscribed from HOMEPOINT emails using their very obscure " unsubscribe '' link at the end of their email. 

Clearly, HOMEPOINT was using deceptive tactics to : 1. Get sensitive, personal information from me.

2. Trick me into starting a refinance with them, which I was not interested.

3. Trick me into giving them money.