davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (FL)

XXXX has previously reported to XXXX through 2 other debt collectors, a {$590.00} debt that they claim I owe. As a customer of XXXX I called their customer service multiple times complaining about my cable and Internet frequently being out of service. Being a visiting nurse, having Internet access so that I can document and get paid was detrimental to my job in livelihood. After multiple attempts with my requesting assistance or remedy, I was treated rudely I XXXX even my bill was not adjusted. After continued unavailable access to the Internet and then ability to do my job, I was forced to go with a different provider. When I canceled XXXX tried to charge me {$590.00} fee, for canceling services yet they were not providing me with the service that I needed and or paid for. I successfully disputed their claim of this debt with XXXX debt XXXX twice before with XXXX, and successfully won my dispute and it was removed from my credit at that time. I.C. systems recently called and threatened to damage my credit and to continue to report to the credit bureaus every 90 days the {$590.00} debt. I.C Systems reported to XXXX and XXXX again last week and again refused to resolve the matter when I called them, with continued threats of harassment by reporting me to the credit bureaus. XXXX did not recognize the XXXX debt collector as being a previously disputed debt that was removed previously when I was reported on XX/XX/2021, and it is now being reported on my credit report with a 34 point drop in my score. I contacted XXXX again today regarding this issue and they said that they would be opening my dispute again and connecting this debt collector with the previously disputed XXXX debt. Debt collector such as IC systems should not be allowed to continue to harass people like myself, and Im requesting that they be investigated.
Consumer complaint received 2021-10-19
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I HAVE SUBMITTED COUNTLESS DISPUTES REGARDING FRAUDULENT AND INACCURATE INFORMATION. 

USAA SAVINGS BANK XXXX, I WAS NEVER LATE, I AM DEMANDING THAT THIS LATE PAYMENT IS REMOVED IMMEDIATLEY!
Consumer complaint received 2020-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX # XXXX is reporting an account to my report that I do not owe. I never received my 30 day notice for this debt and as soon as I saw it was on my credit report I paid it. They are still reporting a balance and I need it removed immediately as it is paid and in violation of my 30 day right to dispute.
Consumer complaint received 2021-10-19
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. (CA)

THE HOMEDEPOT CREDIT DEPARTMENT MADE A CHARGED TO MY ACCOUNT OF ALL THE AMOUNT OWED AND THEN CLOSE MY ACCOUNT WITHOUT MY AUTHORIZATION. WHEN I FOUND OUT I CALL AND REQUEST MY MONEY BACK AND THEY DID RETURN MY MONEY, BUT IT IS AFFECTING MY CREDIT REPORT. HOW CAN I FIX THIS?
Consumer complaint received 2021-10-18
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. (GA)

XXXX, Experian and XXXX have consistently violated my federal rights for going on over a year now. It has gotten to the point I have had to hire a lawyer. I have tried to communicate directly with XXXX, Experian and XXXX and show them in writing where they have violated federal law and still they have refused to acknowledge these laws. The federal laws XXXX, Experian and XXXX has chosen to ignore are 15 USC 1681b as well as 15 USC 1692g. I have sent certified letters, I have sent screenshots of the laws they have violated, I have asked for proof which is required according to federal law, and they still have not complied. I advise XXXX, Experian and XXXX to cease and desist collecting and reporting the accounts until they have provided and supplied the full, thorough details surrounding their reasoning for keeping the accounts on my report against my wishes as a consumer. This is not only harming my credit report, it is also harming my chances of owning a home. XXXX, Experian and XXXX should not be allowed to get away with breaking federal law and that is why I am here in hopes that these accounts be removed from my credit report. Once their reinvestigation is complete, I would like for XXXX, Experian and XXXX to mail me a copy of my new and updated credit report pursuant to 15 USC Chapter 41. 

Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

I've tried disputing my information with each bureau about the " 30 days late '' payment listed on my account. I've never been late on payment since I've had this account and don't plan on ever having one moving forward so I would greatly appreciate if they could correct this inaccuracy and report this data correctly because this issue is standing in the way of securing a home for my family.
Consumer complaint received 2021-10-19
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (RI)

XX/XX/2021 Comenity Bank decreased my credit limit stating a derogatory real estate loan which is not true. Comenity Bank is using false information to credit wise with their algorithm to handicap individuals of XXXX. I called before to address an error when it stated my credit score was a XXXX. There was no support or assistance with this matter as well.
Consumer complaint received 2021-10-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (UNITED STATES MINOR OUTLYING ISLANDS)

The issue is to stop XXXX XXXX  from going through my account. It has been requested by email and telephone and XXXX  complaint. I received a call stating ot was resolved but recently I see the charge is still going through. I need to stop the charges from XXXX to current and BLOCK the merchant. 

On XXXX XXXX while speaking with XXXX a Manager, he disconnected the call after I repeated what he said or sounded like he said and he responds that " We are not taking it there '' I am trying to find out what is he talking about, Though I came through fully verified, XXXX requested my social security number and next thing he tried to send me to one of the branches. Needless to say I am more than 90 miles away. ) Then, he disconnected the after stating the above. 

I just wanted to speak with a manager after I requested one last week.
Consumer complaint received 2021-10-19
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)

Consumer Financial Protection Bureau : I wish to dispute any and all association with XXXX XXXX credit account tied to my credit score. At no time have I ever had an account with XXXX XXXX, nor have I ever authorized anyone to open such an account. I humbly request that all references to this account, and the negative marks related to its delinquent status, be dissociated from any record of my credit history. 

I began checking my credit regularly several years ago after the report of a substantial data breach within the South Carolina Revenue Service. Using the XXXX XXXX app I noticed an account with XXXX XXXX was under my name. After beginning my investigation in earnest, my then wife and now ex-wife informed me she opened this unauthorized account. At no point did I ever receive a XXXX XXXX, a statement was never forwarded to me, nor did I ever make a single purchase using that account. 

I have contacted XXXX XXXX dozens of times informing them that this account was created without my consent. Protests have been filed and appeals have been submitted. The only XXXX XXXX associated with this account that I have ever seen is in the name of my ex-wife. I have never be in possession of a XXXX XXXX with my name on it, nor have I ever made a single purchase of any kind with such a card. Furthermore, I have produced the divorce documents stating that my ex-wife, ( name redacted per your request ) takes full responsibility for addressing the balance of the XXXX XXXX. This is account is NOT responsibility. 

I authorize your organization to do a full review of my credit history and consult with any and all of my other creditors. You will find no other late or delinquent accounts, nor any accounts that were ever late or delinquent. Actually, you will find that I have paid off every vehicle and or loan early. My mortgage has every so much as had a late payment of any kind. 

Please, I beg your agency to use a modicum of discernment regarding this circumstance. All logic points to the fact that this delinquent account is not mine. XXXX is engaged in character assassination of the most odious kind. I have thousands of dollars of debt in my name, all being serviced and reduced in accordance with the original terms agreed to with my creditors at the time each account was established.

A credit score is supposed to an attempt to accurately display a persons credit worthiness. Due to XXXX refusal to clear my name, even though they MUST know this is not my debt, it continues to negatively affect my good name. I ask that your agency correct this travesty by removing this erroneous information for the reporting of my credit history. 

I you will just give me the opportunity, I am will to speak to anyone, travel anywhere, supply documents, provide affidavits, etc. to clear my name and correct this injustice. 

Thank you for your consideration.
Consumer complaint received 2021-10-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I had an mortgage with XXXX XXXX XXXX XXXX. We have had an account over 20 years. We have had several problems over the years, repeated problems, several disputes never really resolved, the most recent issue is XXXX XXXX apparently wanted to start a foreclosure against my husband and myself on XX/XX/XXXX  and it was suspended due to bankruptcy filing by myself XX/XX/. It was never removed from that suspended status over the past six years even though it was not warranted over the past six years. Moving forward, they were paid all arrears and I have been discharged, not to mention have paid the home off. they have reported to all credit bureaus that this is a paid foreclosure. This is false and incorrectly a status and is causing immediate undue hardship on myself and my husband and it is preventing us from purchasing a new home. I reported while in my bankruptcy that they were reporting the account as closed which again one of the many disputes inaddition to misapplied payments. This needs to be corrected immediately. I have been on hold transferred and no resolution in site. Promises to return call etc.
Consumer complaint received 2020-03-30
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. (AR)

I have the app XXXX XXXX to keep track of my shoes. I recently logged on and saw unknown, suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of times. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

BANKRUPTCY CHAPTER XXXXDISCHARGED XXXX {$0.00}
Consumer complaint received 2021-10-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I had an mortgage with XXXX XXXX XXXX XXXX. We have had an account over 20 years. We have had several problems over the years, repeated problems, several disputes never really resolved, the most recent issue is XXXX XXXX apparently wanted to start a foreclosure against my husband and myself on XX/XX/XXXX  and it was suspended due to bankruptcy filing by myself XX/XX/. It was never removed from that suspended status over the past six years even though it was not warranted over the past six years. Moving forward, they were paid all arrears and I have been discharged, not to mention have paid the home off. they have reported to all credit bureaus that this is a paid foreclosure. This is false and incorrectly a status and is causing immediate undue hardship on myself and my husband and it is preventing us from purchasing a new home. I reported while in my bankruptcy that they were reporting the account as closed which again one of the many disputes inaddition to misapplied payments. This needs to be corrected immediately. I have been on hold transferred and no resolution in site. Promises to return call etc.
Consumer complaint received 2021-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. ()

Our mortgage is serviced by Nationstar Mortgage Holdings Inc ( XXXX " Mr Cooper '' ). 

I have made four recent payments to Mr Cooper, through their web site. Each of these payments were specifically made as " Additional Principle ''. Each of the four payments were made in alignment with Mr Cooper 's timing request ( i.e. at least 24 hours after an automatic monthly payment ). Our loan have never been late, and in fact we are trying to pay it off early with these additional principle payments. 

Complaint : each of the four payments were misapplied by Mr Cooper. In each instance, the company chose to prepay our next regular monthly mortgage payment ( with its mix of interest and principle ) and then applied the remainder to 'additional principle '. In each case I needed to call Mr Cooper to request that they fix the error. In the most recent case, I needed to call twice because the promised fix to the application of the funds was not done after the first call. Each Mr Cooper customer service rep on the phone apologized for the misapplication of the payment, and said it would not happen again. 

I kept a screen print from the Mc Cooper website of the most recent of the four " additional principle '' payment, with the expectation that it would be misapplied. It was misapplied and I attach that screen print below. 

I believe that Mr Cooper systematically misapplies " additional principle '' payments across its portfolio of serviced loans. If this is true, Mr Cooper is defrauding the mortgage holders who make these payments, by charging interest on the portion of the " additional principle '' payment, which is credited to " interest '' as opposed to " principle ''. 

The four " additional principle '' payments payments made to my mortgage, each of which was misapplied, were : {$5000.00} on XX/XX/2021 {$3300.00} on XX/XX/2021 {$15000.00} on XX/XX/2021 {$2000.00} on XX/XX/2021 2021
Consumer complaint received 2020-03-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

My father, XXXX XXXX, ( over whose finance I have power of attorney ) has a Flexible Premium annuity that he opened years ago with USAA. Policy number # XXXX. My father called and asked what the taxable liability was on the policy in XXXX and was told roughy XXXX was the taxable liability. The interest on the account was taxable. I asked USAA to transfer XXXX from this annuity to his checking account. USAA never did this even after after my father and I both reached out to them several times. At the end of XXXX ( XX/XX/XXXX ), I sent a transfer of ownership request via US mail to USAA which was received by them on XX/XX/XXXX. In XXXX, my father called USAA to inquire why the transfer was not made and was told they were too busy to process the transfer and it would be done soon. Called again in late XXXX, and was told again it was in process. In late XXXX, I received a 1099 form showing a withdrawal of XXXX. I called USAA to inquire why I received this when the money should have been taken out of taxable interest, not principal. USAA responded it was taken out of principal accidentally. USAA now maintains that there is a major ax liability on this policy. The XXXX was taken out of principal not interest mistakenly. My father has called many times and has not been allowed to speak with a supervisor. They will not discuss the matter with me and they have held me on the phone for 30 to 45 minutes while my case was discussed. They still have not transferred ownership to me ( his daughter ) nor they have clarified why they applied the withdrawal to principal rather than interest. They claim they have conducted 3 audits and have offered no explanation. Their attitude has been adversarial. While they claimed to have fixed the mistake there are two secondary effects of this. First, my father wanted to transfer this money to me in Florida where the income tax is lower, so he is now left with a larger tax liability since he has moved to New Jersey. Second, my father has spent countless days and a lot of worry trying to get USAA to fix this problem with zero help. He feels emotionally drained and cheated when this is a company that is supposed to be helping veterans like him. Never once has USAA apologized. Please help me help my father hold USAA accountable.
Consumer complaint received 2020-03-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

This is our third complaint against this company SPS. We secured an FHA mortgage from XXXX in XXXX. The company states that it is not now, nor was it ever an FHA Mortgage although all of the existing information including the original foreclosure documents state FHA. This information was filed by their original lawyer. Please request documents and I can forward to you because it has our personal information and the address. The documents filed by their Attorney and filed by certification for their attorney States that they are Attorney for the Plaintiff and further certifies that in said matter that the premises are not subject to Act 91 because it is, and there are 4 choices an FHA Mortgage, Non owner occupied, vacant, Act 91procedures have been fulfilled. The Lawyer clearly checked FHA Mortgage. It further states that this certification is made subject to the penalties of 18 PS C.S.  Section 4904relating to unsworn falsification to authorities. signed on the XXXX of XX/XX/XXXX. We submitted further evidence of HUD Form 9539 Request for Occupied Conveyance which was sent to our home and was dated for XX/XX/XXXX. This conveyance listed our property address with the FHA/HUD Case Number and goes on to explain that the House was in Foreclosure and would be transferred to XXXX XXXX but before XXXX XXXX conveys property back to HUD that the occupants would be able to reside in the property and we just needed to send all of our information to the lawyer and further listed HUD 's occupied conveyance procedures Even with all this as evidence, the lawyer continued to deny that the Mortgage was HUD. On the last complaint we requested a Qualified Written Complaint to identify where all the fees were coming from but SPS never sent that. In addition, prior to SPS serving our loan we were approved for a Modification from XXXX which was not honored when the Serving went to SPS. Under SPS we were consistently denied a modification and once we received our last documents with the assistance of our lawyer they continued to deny us. Under the current modification agreement, their current lawyer tells us that we are not allowed to negotiate and SPS refuses to answer the questions we posed to them about the modification. Even our Housing Counselor could not get answers to where the fees were coming from and what type of modification we obtained. They further sent information about them having followed procedures to continue to foreclose if we did not sign and return documents that we don't understand. We are happy to obtain a modification. It for 15 years but at the end we will still owe {$170000.00} balloon payment after paying XXXX and the house only cost XXXX and when we stopped paying we only had XXXX left. Please help us get some answers so that we are not bullied by this lawyer or SPS.
Consumer complaint received 2021-10-19
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/XXXX with regards to my request of removing the items in question and my last request was sent XX/XX/XXXX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$290.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$72.00} Date Opened : XX/XX/XXXX