davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX  XXXX card does not belong to me please delete from my credit report XXXX XXXX XXXX XXXX  I was never late please remove from my credit report. Always paid on time
Consumer complaint received 2023-01-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: California Business Bureau, Inc. (CA)

I just downloaded the XXXX app to help increase my credit score and upon so noticed I had 2 {$100.00} bills submitted to collections from the Hospital. I never received the bills and was never notified it was going to collections. I contacted collections and asked if I could make payments because I can not afford to pay the full amount and was informed that could not and that there are interest charges to these medical bills. I would like to dispute both debts on my collections since I was informed that by XX/XX/2023 agencies are going to remove medical debts from collections when the bills are {$500.00} or less. Please advise on what I can do.
Consumer complaint received 2021-03-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

On XXXX XX/XX/XXXX I received a threatening letter from USAA Federal Savings Bank in reference to loan # XXXX. The body of the letter indicated that my " hazard insurance '' had expired. The threat came in the sentence " Because hazard insurance is required on your property, we plan to buy insurance for your property. YOU MUST REIMBURSE US FOR ANY PERIOD DURING WHICH THE INSURANCE WE BUYIS IN EFFECT BUT YOU DO NOT HAVE INSURANCE. THE INSURANCE WE BUY WILL BE SIGNIFICANTLY MORE EXPENSIVE THAN INSURANCE YOU CAN BUY YOURSELF. 

The issue is that I do have insurance for my house through USAA. The letter itself is deceptive in claiming that I need Hazard Insurance. From the National Homeowners Insurance Organization -- The reason hazard insurance is a common term is actually because of lenders. Your mortgage provider may require hazard insurance at minimum before they will issue you a loan, because that is the only portion of the homeowners insurance policy related to the structure of your house itself. This may create the misconception that you can buy hazard coverage separately from homeowners insurance, which is a lie. If your lender has specified that you need hazard or dwelling coverage, just know that buying a homeowners policy will satisfy their requirements. 

This current complaint is in conjunction with my previous complaint filed against USAA/Nationstar last year XXXX originally filed XXXX XX/XX/XXXX. XXXXUSAA 's incompetence led to un needed frustration. The outcome of the incident reflected that neither USAA/XXXX were being honest and that : My property taxes were paid by me and not XXXX/USAA ( even though they claimed they paid for the property taxes in XXXX ). 
The entire amount of my escrow was to be refunded to me immediately. 

It is my impression that since XXXXUSAA had been thoroughly in the wrong and called out, they are once again trying to intimidate me. My insurance carrier for my house IS USAA. They have no grounds for their claim I do not have insurance on my home and sending me a threatening letter. 

The website they provided so I could update my information www.mycoverageinfo.com/usaa, does not work. I hae attached all pertinent documentation.
Consumer complaint received 2023-02-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE (MN)

On XX/XX/23 I tried logging into my Huntington Bank checking account, and I was unable to log in. I called the bank to find out what was wrong and they told me they closed my account due to risky transactions. I was given NO warning or notification from the bank that they closed my account. I told them that the transactions were valid and I made them but was told there was nothing they could do, it was already closed. I received an email from Huntington that my balance is {$15000.00} as of XX/XX/23. I never go negative and consistently have a high balance. I was told I would receive a check for the balance in my account. 
Later that day I called the bank again and was told by a bank representative I could make an appointment and come down to the branch and pick up the check in person. All of my income was in my account. They scheduled an appointment for me to come down on XX/XX/23 at XXXX. On XX/XX/23 I went to the branch and was told by the branch manager XXXX XXXX he would not provide me with his last name ) that I was given incorrect information and they could not give me any of my money. That apparently the account is not fully closed and he would not give me any other information. I'm completely getting the run around, different information from every person I've spoke to, and they will not give me ANY of my money. I have bills to pay and this is affecting me financially. This was the only bank account I had and I don't have access to any of my money. This is completely unacceptable.
Consumer complaint received 2021-03-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (NC)

Good evening. 
My name is XXXX XXXX, a former XXXX XXXX Veteran, a former SC XXXX XXXX  giving selfless service most of my life. Cell : XXXX. Address : XXXX XXXX XXXX, XXXX  XXXX  NC XXXX Email XXXX My complaint. 
Gym membership opened in XX/XX/XXXX @ XXXX XXXX @ XXXX XXXX XXXX XXXX location. 
I moved to XXXX NC in XX/XX/XXXX. 
I ask to CANCEL my membership @ XXXX XXXX. The manager at that time said he would transfer my membership to XXXX XXXX in XXXX NC where I live, so I agreed. 

Here is where two problems exist. 

XX/XX/XXXX my gym closed for 3 months if not longer. During this time I personally ask to cancel my membership, the XXXX XXXX XXXX. The manager there told me to write a letter to their corporate office in order to cancel my membership. What? 
So I did. I sent a letter to XX/XX/XXXX XXXX XXXX AR XXXX giving specific details why I am canceling the membership, as I did in XX/XX/XXXX. XXXX XXXX stated that they would not take from my account while COVID-19 had the gym closed. They never stopped taking from my account. 

Thats a problem but not the BIG problem. After canceling my membership in XX/XX/XXXX I believe everything was completed on both ends. As of XX/XX/XXXX, my credit report showed I was placed in collections for {$99.00}. When I investigated, it showed ME opening an account/membership in XX/XX/XXXX to XXXX XXXX. This is fraudulent behavior that needs to be exposed. If they are doing this to me, how many others are they doing this to? 

So I called the XXXX XXXX XXXX XXXX to see what is going on? 
XXXX, the manager looked into it and apologized for the miss-hap. 
He couldnt believe that this happed and could not explain who opened the account NEW MEMBERSHIP that issued a {$99.00}. fee. 
But XXXX had it taking off my Credit report. So I thought! 

As of XX/XX/XXXX, I received a letter from Adouls law firm XXXX XX/XX/XXXX stating I am going to collections if this {$99.00}. is not paid. This law firm is paid by XXXX XXXX. 
I did not join XXXX XXXX again in XXXX or ever in my lifetime. They took 3 months {$60.00}. total while they were closed, I canceled filling out the form, letter and personal acknowledgment stating I am canceling the membership. 
Now someone opened an account in XX/XX/XXXX apparently in my name! Fraudulent documentation. 
Please XXXX XXXX help me. 
I do not owe anything to XXXX XXXX, I cancelled the membership by their rules and still am being harassed. I cant believe that this is happening to me! 
Thank you for taking your time to read my statement. 
Hope to hear from you! 
May GOD bless you! 
XXXX XXXX XXXX
Consumer complaint received 2021-03-15
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (NC)

This is in response to case XXXX. Navy Federal has defaulted by not rebutting my affidavit with an affidavit however I am giving you an opportunity to cure by giving me the previous remedy requested. I have attached my initial complaint with these requests for reference.
Consumer complaint received 2022-12-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

i was offered a Loan Modification after the covid forbearance period was over. the mortgage servicer took over a month to mail me the paperwork they needed me to sign. i had to call them two more time and ask them to send it to me again. after receiving the documents, i signed them and mailed them back the next day. because of the month delay, the time period given to submit the documents was now severly shortened to 12 days ( including weekends ). the mortgage company sent the documents via USPS and advised me to send the documents back via USPS. now i have been advised that the documents have not arrived and their modification offer has expired. meanwhile i have made the payments that the mortgage servicer has asked me to pay including the new modified mortgage amount. every time i call to speak to the person who is assigned to my loan, He/she is never available and i am passed along to someone who does not know anything about my account and they provide poor and incorrect information. i just want to have this situation resolved. i am dealing with SP servicing mortgage. Their communication is extremely poor and the fact that they rely on the postal service to get important documents to their customer during the holiday season is a poor choice of business practices.
Consumer complaint received 2021-03-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BARCLAYS BANK DELAWARE (NY)

barclay is reporting 0 information stating I owe XXXX. They called to harrass me after i called them to remove this information. They said we will not remove the account barclay if I dont own it I said I never had this account and I cant pay XXXX.Its ruining my credit Im trying to buy a house. How can they legally report this? Please remove it. Please
Consumer complaint received 2023-02-27
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. (WA)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2021-03-15
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. (GA)

I am a victim of identify theft the accounts listed in this doc and the doc attached have been furnished without my consent or my authorization. This has been damaging to my reputation as a consumer and violation of my right to privacy as a consumer.
Consumer complaint received 2021-10-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSWORLD SYSTEMS INC ()

Summary of complaint : XXXX XXXX XXXX XXXX ( lender ) has demonstrated opaque, unfair, and unethical policies towards international student loan borrowers by denying them the right to seek refinancing of their loans and refusing the release of co-borrowers. 

Description : 1 ) I have an international student loan under repayment from the lender ( taken in 2011 ). Even though I am not in the US, I have been making regular payments towards the loan and have never defaulted. 

2 ) Over the past 2 years, though there has been a significant reduction in the student loan interest rates, the lender is still charging me 5.5 % APR. In spite of making multiple requests to the lender to refinance my loan at the reduced interest rates, I am being denied the right to do so. 

3 ) The lender claims that they can not refinance international student loans where borrowers do not meet the requirements of a current US address. However, they seemed it perfectly ok to grant me the original loan in 2011 even though I did not have a US address at that time. This opaqueness of policy and loan terms is grossly unfair and unethical towards international student loan borrowers. 

4 ) As a result of the lender 's refusal to refinance my loan, I am having to bear an additional interest burden of over {$30000.00}. In my view, this practice of denying refinancing to international student loan borrowers is extremely unfair and in gross violation of consumer protection rights. 

5 ) As an international student loan borrower, the lender has also refused my request for the release of my co-borrower without giving any proper reason or justification. 

6 ) Over the past 2 years, I have made multiple phone calls and written multiple times to the lender escalating the above issues and request resolution. However, they have flatly refused to honor my request, citing opaque policy reasons. 

7 ) The lender has also cited that provisions and terms mentioned in the loan promissory note prohibit them from refinancing the loan to international borrowers. However, this is blatantly false as there are no such terms mentioned in the promissory note. 

8 ) I thus wish to bring the above unfair and unethical practices of the lender to the attention of CFPB for redressal and resolution.
Consumer complaint received 2021-03-14
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. (FL)

All three credit bureaus have severely dropped my credit scores and are reporting this comment or something similar : " Open real estate account balances are too high compared to their loan amounts. '' I live in the XXXX, a retirement community. We have two types of homes - original and updated. If your home is in original 70 's 80 's condition it is of significant value less that if there has been a current remodel. This was my house in the beginning. It was in original condition and I have a completed a total restoration. I am NOT underwater with my mortgage of {$250000.00}, as this would be the low end value of my house even with a real estate value bubble burst!

This is totally unfair to those of us who have invested in retirement homes in a retirement community. I have a XXXX XXXX XXXX XXXX XXXX XXXX XXXX on the XXXX XXXX and don't plan to sell, however reducing my credit score to XX/XX/XXXX is criminal! This affects future car purchases, other loans, and insurance rates. Hope you can help.
Consumer complaint received 2021-10-05
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: LOBEL FINANCIAL CORPORATION (CA)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.
Consumer complaint received 2021-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: V and H Portfolio (LA)

I have asked this company several times to show proof of the amount they claim I owe. All they keep sending is a Sales Order and a Consumer Lease Agreement. They will not provide an itemized statement showing payments made, etc. to show how they came to the outrageous amount they are claiming that I owe. This account should not have the {$2000.00} plus balance they are claiming that I owe. I have asked for proof of payments from them and the original creditor. Neither have provided the information and the collections remains on my credit report and is negatively impacting my attempt to purchase a home. I want this account removed from my credit reports and I want a detailed itemization of this account. This account should be paid or close to paid. I do not owe the amount they allege.
Consumer complaint received 2021-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

My mother passed away XX/XX/2021. I contacted all of her creditors. Capital One was insisting that they be paid and asked if she had an estate. I explained to them that she did not have an estate. As a result, they sold the debt to XXXX XXXX XXXX XXXX. If XXXX wants to collect, they can go to the cemetery where she is buried. I had the mail stopped by them, but they continue to call. I want this company to stop contacting me thinking they are going to collect off of my deceased mother. Utterly disrespectful.
Consumer complaint received 2021-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc. (OH)

I got an Avant credit card. I sent them a payment on time. Despite that fact they seemed to take an extra long time to apply the payment. In that time they charged me a late fee. 

Two months later, I sent them a payment by the deadline on XX/XX/XXXX. I made the payment electronically through my bank. It was sent to them on XX/XX/XXXX. 

Despite that they did not apply a payment to my account, and my account is now listed as over the limit ( which affects my XXXXredit score ). 

I contacted them twice by phone, and they asked me to email proof ( although they have internal records of when they received the electronic payment ). I emailed the proof ( screenshots ), then they replied by saying I have to call them to submit the proof. 

It seems as if they're deliberately holding the payments PAST the due date, then charging their customers late fees and over the limit fees. When a customer contacts them about the issue, they just give them the 'run around ', hoping the customer will just get frustrated and give up and they can keep their fees.
Consumer complaint received 2021-10-05
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.
Consumer complaint received 2021-10-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (IA)

On XX/XX/2021 I sent a letter to COMMONWEALTH FINANCIAL. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

I. The month of XXXX I reached out to citizens bank to let them know I would be trading in my vehicle for a new one sometime during the middle of the month. On XX/XX/XXXX I actually traded in the vehicle and called them for the pay off and the pro rate amount. I also told the gentleman on the phone that I was trading in the XXXX XXXX 2017 he told me congratulations. About a week later I started receiving phone calls that I had late payments from citizens bank and I called their phone number spoke to a manager and they noted the account. Today I woke of to my credit score dropping 100 points I was so upset because I was transparent about the whole issue. I called XXXX XXXX and they told me the pay off was good till the XXXX of XXXX and didn't know why they did that and they actually tracked the check that was sent out on XX/XX/XXXX and told me it was arriving today. This is not how a company should handle things when myself and XXXX XXXX XXXX have told them this information. When I spoke to them they said they would back date and remove the charges and take care of the situation.
Consumer complaint received 2021-03-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, XXXX, Experian. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.