davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (MD)

Navy Federal Why don't you want to work this matter out? I have paid you the entire collections amount and them some. All I want is an understanding of what type of interest you are charging me. I totally get the 12 % annum but I need the break down because this debt balance is way to high. What is the daily interest compared to the yearly and if its the same please provide break down and a copy of the NFCU policy on adding interest? Please provide policy on how defaulted interest is applied when payments are less than original agreed upon payments. Please provide policy on when an account is charged off why don't NFCU send monthly invoices when you still have the defaulted account on your records. Your Attorney is very unreasonable and they don't respond to my questions when asked and in the past neither have you for what ever reason. I want to get pass this once and for all.
Consumer complaint received 2021-12-17
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BSI Financial Holdings, Inc. (AL)

BSI Financial is my mortgage co. The CFPB filed suit on BSI and found them liable for mishandling of modifications, loss midigation ext. My mortgage was a XXXX XXXX loan and was heald by XXXX until XXXX  while I was in the process of a Help For Homeowners Hardships Modification FHA my loan was transferred to BSI. The modifications paperwork I signed was for a FHA HARP modification however BSI has my loan currently as a Conventional Mortgage and has charged me nearly {$20000.00} in fees and processing additional interest rates even the prior foreclosure, bankruptcy, modification processing fees even late fees that were occrued before the Modification was processed and applied. Modification fees, late feels previous deliquent charges have to be figured into the new loan amount of the modification, discharged or paid prior to the Modification closing. The law suit CFPB has and settlement against BSI is exactly what BSI did to my mortgage and I have struggled and suffer financially because of this. Furthermore the mishandling and false filing of my FHA loan to a conventional loan has caused me to not be able to modify my mortgage or use the covid relief aid available to FHA mortgages because BSI fraudulently altered my mortgage and did not file and process my HARP approved modification but processed my mortgage to a conventional loan instead. At the time of my modification HARP approval my mortgage was in default for almost {$17000.00} and my credit score was XXXX also my income to debt ratio was only eligible for a hardship HARP modification and barely qualifed and would never come near a conventional loan. BSI has caused me to loose more money and equity in my home than I can honestly put a dollar amount on. I have literally only been able to pay my mortgage and utilities because of this and am unable to modify the loan now or utilise my only available savings and assets the large amount of equity I have built in my home to live and prosper in life souly due to BSI mishandling my modification from a HUD mortgage to Conventional illegal loan that I can not refinance modify and barely survive paying. Please please help me I've contacted and done everything and anything to fix this for the last 3 years since I discover BSI fraudulently changing my loan classification. BSI says nothing is wrong and I need help please
Consumer complaint received 2021-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX has reached out and reported an inaccurate debt to Experian, XXXX, and XXXX. When I request debt validation from them they provided a document that was not accurate or validating that it is indeed related to me in any way. The document showed a persons name that I do not recognize. In addition to not recognizing the charges or the names listed, there is no signatures on the document. This debt is invalid and not related to me and I would like it to be removed from my name completely since it was inaccurately reported to the Experian, XXXX, and XXXX.
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am filing a complaint because Transunion has refused to remove this acct status of late.LOUISIANA CHILD SUPPORT Reported : XXXX XXXX, XXXX {$40000.00}. Because of the COVID 19 Pandemics I was out of work for a year but now I am all caught up and request Transunion to change the status to good standing. I have provided the same explanation to XXXX and XXXX without any issues. 
This has caused me financial harms as most Americans. The Pandemic did not helped me but I am good now.
Consumer complaint received 2021-12-17
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. (PA)

There are incorrect late payments showing on my credit reports from " XXXX XXXXXXXX XXXX XXXX ''. The credit reporting agencies are showing a late payment in XX/XX/XXXX and a late payment in XX/XX/XXXX. When I log into my account through the company, they show a late payment in XX/XX/XXXX and a late payment in XX/XX/XXXX. 30 days had not yet passed and the company reported my account as being late to the credit reporting agencies. All of the information is inaccurate. According to my payment history showing on my account, my the late payments in question have been paid before on the same date that my payment is due. My due date for my payments are the 25th of each month. The XX/XX/XXXX " late '' payment was made on XX/XX/XXXX. There was a payment of {$31.00} on XX/XX/XXXX to cover the payment due for XX/XX/XXXX. There was also a payment of {$62.00} made on XX/XX/XXXX to cover XXXX and XXXX payments of XXXX. As stated above, my payments are due on the 25th of every month and the late payments in question were not 30 days late.
Consumer complaint received 2021-12-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

Loan with USAA. Sold vehicle to XXXX. USAA quoted different payoff amounts to me and XXXX. After I sold the car I tried to cancel the auto pay. USAA refused to stop the auto pay. Ended up taking an extra payment. USAA refuses to return the money. I have the title and a loan satisfaction letter dated XX/XX/2021 but USAA still refuses to return the {$470.00} overpayment. Their internal policy is to hold funds for 15 days from the date of receipt of payment. Then 2-3 business days after the 15 calendar days. USAA demanded my bank records to prove that the funds were taken from my account.
Consumer complaint received 2022-02-07
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: EQUIFAX, INC. (FL)

There is a house listed on XXXX @ XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( https : XXXX ) that denotes the listing as follows : " Newly built for a qualified Veteran! Not for sale to general public. Must be owner occupied by a Veteran. Small home never lived in. Washer and dryer and storage shed will be installed, truly one of a kind!! 

Listing Provided by : XXXX XXXX XXXX XXXX XXXX '' We contacted our relator who contacted the listing agent. The listing agent provided information to call to query if eligible related to the listing above. 

https : XXXX Mortgage Loan Originator NMLS # XXXX XXXX XXXX XXXX Mortgage ' XXXX My spouse called and spoke with this individual who simply identified herself as XXXX. She did not indicate she was from a mortgage lender. She accepted information on myself and my husband with what he thought was a screening related to the house ( Veteran information ). She NEVER explicitly advised this was to pull a credit inquiry. She NEVER contacted me directly to consent to this inquiry. My spouse was NOT aware this was for a mortgage application or loan as she never identified herself as such. I called her directly later in the afternoon after receiving an email that my credit had been pulled. She answered the phone with " XXXX '' to which I asked " Is this XXXX. '' Again, never identifying herself as a mortgage lender. Once I realized she pulled our credit, I queried the reason as we were under the impression she was screening for VETERAN eligibility related to the house itself. 

I called again later in the afternoon after checking my credit report via creditkarma. I explicitly advised my credit was pulled with my date of birth and social security without consent. Same for my spouse. There was no formal application with signature on either of our ends. I had never even spoken to her. I asked if there was a way for her to report the mistake to the XXXX XXXX ( XXXX ) directly to which she admits this was all just " confusion. '' She promised to shred our information and delete the 'application ' from her system. Again an application neither of us explicitly consented to for purposes of a mortgage lender/financing. 

PLEASE ADVISE. I attempted contact with XXXX XXXX ( XXXX ) directly but was advised I needed to submit report to either the police or FTC. The FTC website brought me to this website once choices were narrowed down per the issue. 

Information attached is only after I reviewed my credit report and realized she is with a mortgage lender and not to screen for VETERAN eligibility related to the house/listing. 

Thank you.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (MA)

For many years I have been fighting with the VETERANS AFFAIRS concerning health issues and benefits. Last XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Approximately a month ago, while trying to search for a home of my own to prevent becoming a homeless statistic, I was notified that my student loans have been written off due to my veterans XXXX status upgraded. I just recently found out that XXXX and ESPERIAN, as result, dropped my credit score XXXX points. And completely violating my rights as a XXXX veteran with this devastating action and has guaranteed me becoming homeless soon. Many attempts to contact those credit reporting agencies have failed. And has started affecting my health as this matter continues to get worse.I am one person, a fixed income XXXX veteran, that is being discriminated against and left with no other choice than filing a formal complaint and seeking legal help from the local federal court system. Being a solo voice being tried this way after serving XXXX XXXX XXXX XXXX XXXX, sacrificing everything including my health to have XXXX XXXX XXXX organizations to treat me this way is absolutely appalling and degrading. To include discriminatory.
Consumer complaint received 2022-02-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (VA)

Coinbase account hacked and unauthorized purchases made with my bank information of XXXX XXXX and then those purchased were sold and money from the sale moved to an account that was not mine. Total amounts in excess of XXXX XXXXXXXX. Coinbase says they are investigating but there seems to be lack of action and no communications. It seems their tactic is to block you and hope you go away.
Consumer complaint received 2022-02-07
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)

US DEPARTMENT OF EDUCATION ( Original Creditor : XXXX XXXX ) Account Numbers : XXXX and XXXX Date opened : XX/XX/2014 These accounts dont belong to me. I never applied, received, benefited and/or profited off of these accounts. I have tried numerous of times to dispute these accounts and they keep saying it belongs to me but theyre not giving me any solid evidence that these accounts belong to me. I have disputed these accounts with US Department of Education and Equifax ( its only reporting on Equifax ) they both have said the account is mines but have yet to produce any solid evidence.

The last reply I received from the US Department of Education the letter addressed me as. Ms. XXXX. I even sent the proof of the letter over to Equifax and never received a reply back from them. 

On top of that the US Department of Education have incorrect information thats reporting becaue they two different amounts thats owned. We all know the information has to be correct across the board. These accounts have been reporting for awhile on my credit and has been an negative impact.
Consumer complaint received 2021-12-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I have both an XXXX refinance loan and a checking account with USAA. The checking account is set up to auto debit the minimum payment due on the auto loan of the XXXX of every month. 

The minimum monthly payment for the auto loan is {$750.00}. 

This month, I made a partial payment of {$290.00} on XX/XX/XXXX. That left a balance of {$460.00} due on the XXXX. The payment tab on both the USAA web site and mobile app confirmed that this was the amount due on the XXXX. 

On the morning of the XXXX, I attempted to use my debit card associated with my USAA checking account. It was declined twice. I logged onto the mobile app and learned that my checking account was in overdraft status because USAA had debited the full XXXX XXXXayment of {$750.00} even though it was more than what was due. 

I immediately logged on to the USAA customer service chat in an attempt to resolve this. I was told in this chat that USAAs partial payment policy was that the partial payment had to post before the bill date ( in my case, the XXXX ) in order to credit toward that months payment. I asked them to show me where this policy was listed on the site or in my loan documents because I had never seen it before. After they took considerable time to review my documents, I was told that I was correct - that policy was not included anywhere. 

I asked what USAA could do to reinstate the funds that day. I was told they could try to reverse the payment but that process would not reinstate them same day. 

As a result of this policy & not being on notice of it, I could not get XXXX or XXXX  that day. I also had to transfer money from savings to cover the overdraft & my debit card still is not processing transactions even though Ive since been paid by my employer. I have spent more than XXXX hours attempting to resolve this with USAA to no avail. 

I can provide copies of the loan documents and customer service chat transcripts to the person investigating the complaint ; I dont want to upload them here as they contain identifying info.
Consumer complaint received 2022-02-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (CT)

XXXX XXXX XXXX  / XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2022-02-07
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. (MI)

There has been a number of unknown inquiries on my credit report the dates are listed below. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX EQUIFAX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2021-12-17
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. (LA)

I am filing a complaint under FCRA and Fair credit and billing act. I would like to see full validation and what the company right to collect on these accounts. I have no knowledge of these accounts. I have no record of these accounts ; therefore, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. I am requesting full validation for the following account names as it appears on myXXXX XXXXredit reports : XXXX XXXX XXXX  Account number XXXX XXXX XXXXXXXX XXXX Account number XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

USPS TRACKING NUMBER XXXX Delivered XXXX, TX XXXX XX/XX/year>, XXXX XXXX  Experian failed to open an investigation of dispute that was sent via certified mail. Experian made the letters disappear as if it never exists, with no communication. 
For identification, a notarized and signed document, a state Drivers license, a social security card, and a utility bill was provided. 

Dispute letter delivered XX/XX/year> Listed below are the Accounts that are being challenged XXXX  XXXX - XXXX
Consumer complaint received 2021-12-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (NC)

I received an Escrow Statement Document from Caliber Home Loans on XX/XX/XXXX informing me that I was going to have a negative balance of {$2800.00} in my escrow account, and my mortgage payment would go from {$1200.00} ( with {$270.00} going towards escrow ) to {$1500.00} ( with {$330.00} going towards a new base escrow due to a legitimate shortage from increased county taxes, as well as {$230.00} to make up for the escrow shortage ). I had, over the course of my mortgage life ( 1 year ) put {$3300.00} towards escrow. The actual payout, should have been {$4000.00}, however the document indicated was short {$2800.00}. This was due to a scheduled tax payout in XXXX as well as additional " pillow '' for the escrow. 

I called them on XX/XX/XXXX and spoke to a customer representative and we finally figured out it was because they paid my county taxes of {$1900.00} on XX/XX/XXXX, but in XXXX, they updated their internal servers/system and it reset to unpaid and due in XXXX. They transferred me to their tax department, who at first declined the error, but after lots of back and forth, came to the same conclusion and confirmed that my taxes were indeed paid out on XX/XX/XXXX. 

They indicated that they would have to open a " research file '' and it wouldn't be completed until XX/XX/XXXX, and a new Escrow Statement Document wouldn't be completed until XX/XX/XXXX, at which point they would mail me a new one, that would indicate what my mortgage should actually be. They said that if I did not receive it before my XXXX due date of my next payment ( I am 1 month ahead since starting my mortgage payments ), I would have to pay the full billed amount of {$1500.00}. 

As well as not updating their systems accurately, I am unable to access my full payment history online. I am only able to access since XXXX, following their system switch.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (FL)

Received call from XXXX XXXX XXXX claiming to be XXXX  XXXX and confirming an e-credit card application, if it was my application, it wasn't so I said no. 
Then called from XXXX XXXX XXXX claiming to be from Experian saying I need Identity theft protection. They had my last 4 digits of SS No # and had my credit report they were reading from. I interrupted and stated that perhaps the phone caller was the identity thief and why did they have a copy of my credit report. He then hung up
Consumer complaint received 2022-02-07
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (TX)

My XXXX Credit Card Accounts issued by Comenity Bank was closed without any notice or explanation. I did not request this closure, my account was in perfect standing with a credit limit of 1900 no history of missed payments. My account was current, and I never missed a payment. I opened this account in XXXX of XXXX and the account was closed by Comenity without explanation on XX/XX/XXXX. This has negatively impacted my credit history greatly as this is one of the longest and best standing credit accounts I had on my credit history.