davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-11
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MS)

I recently contacted my VA representative about my current situation ( unemployment ) and he suggested that I submit an application to USAA/XXXX  to get a forebearance that will allow me to get 12 months of forbearance to allow me time to find a job. I submitted the allocation for a loan modification based on the fact that I was unemployed. After months of them losing my paperwork and finally getting a package to submit to the department for approval of my modification, I was told that my application was denied because of lack of income. This is ridiculous because I informed the mortgage company that the reason I was applying for a forebearance was due to my unemployment. Harley was the individual that I was working with. I informed her that I had signed into my account and the amount that is shown is significantly less than the amount that she was quoting. She kept telling me the amount was the same and I should look farther down the site and there was nothing noted that the amount should be different. In fact the amount was {$1800.00} different from what she was quoting. I asked if I could make the $ XXXX plus and she indicated that I couldnt do so. I said I found pay all of the back payments that I owe but I wanted them to wave the fee and they refused. I asked them to wave the {$790.00} late fees and they refused. The late fees are excessive and i dont believe my original loan allowed for the excessive late fees. I owed more in the year they had my loan than in the 5 years of my previous mortgage holder. I also asked for the documents that alowedngor the excessive fees. I asked her to give me an itemized statement of what the corporate advance were and they sent out a form that didnt itemize the corporates advacnex. She said they were also charging me an additional {$14.00} a week to have someone go to the house to make sure it was still occupied. I asked her why was that necessary and if it was necessary then why would they charger that fee to the consumer who is already having difficulty paying their mortgage payment. They also charge {$860.00} in late fees that Included late charges when the account was in foreclosure and also in loss mitigation. This shouldnt have been charged. It is my opinion that this company does nothing to assist the consumer. I believe they are in the business of trying to foreclose on home with a lot of equity in the home. When I asked for assistance XXXX pretended to want to help me stay in my home. I waited a week or so to see what she would do and called her back and she had done absolutely nothing and I asked what she had done and she said that she was going to wait so she could give me my options of short sale or deed In lieu ... so how is that helping me to stay in my home. I am a XXXX  veteran and single parent and I had no assistance from either the VA or USAA. I want to ask to have my money for the late fees returned and the {$1800.00} that the mortgage tacked on to my payments and and clear and concise explanation of any oleander all fees.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-03-26
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. (TN)

I have been victim of identity theft, An identity theft report has been filed with the FTC filed copies are attached. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. Please remove all non accounts holding inquiries and send me a copy of updated report.
Consumer complaint received 2019-03-26
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: Westlake Services, LLC (FL)

I have an account that is showing charge off in my credit report WESTLAKE FINANCIAL SVC I never got into an agreement with debt buyer. 

I had an agreement with XXXX XXXX XXXX to purchase a used XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

I have disputed this that I never got into an agreement with WESTLAKE FINANCIAL SVC I dont understand why they continue to show that my account was charge off by them when the account was charge off by Automovil on XX/XX/XXXX. 

Also on my credit report on XXXX it shows Status Updated XX/XX/XXXX when that is not possible because agreement was made with XXXX on XX/XX/XXXX.
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (ME)

After the Equifax security breach, where my personal information was sold/stolen/given to unauthorized parties, I have been attempting to place Credit Freezes on my personal accounts with the ( 3 ) major Credit Agencies.
As of this writing, no less than 18 hours of phone/computer time has been invested over the last 4 days trying to reach any/all of these agencies. No Luck.
My personal information is out in the open ; websites are crashing ; phones are not answered and I am being held hostage by ( 3 ) Credit Bureaus who have no  interest in assisting me while my 25 years of diligent financial effort is vulnerable. 

I need to be able to reach a PERSON on the phone who can assist me with placing freezes on my credit. 
Thank you
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

in accordance with the Fair Credit Reporting act XXXX  account XXXX bank XXXX and, XXXX XXXX XXXX has XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

in accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXXXXXX and, XXXX XXXX XXXX has XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX credit inquiries violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In XXXX i lost my job due to XXXX and constantly being admitted into the XXXX. I contacted Capital One to get assistance being that this is my major credit card. Since having my account i have not missed any payments and ive kept my account up to date. After contacting Capital One and the agent advised on with the Covid Relief on my account so that i wouldn't be penalized for payments. During this call she stated that i didn't have to make any payments for the next 90 days to keep my account under this standing. Since then my account has been closed and placed into CLOSED status after i was told i would not be.
Consumer complaint received 2021-04-13
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. (FL)

TRANSUNION FAILED TO PROVIDE 100 % ACCURACY OF ALLEGED COLLECTION ACCOUNT PLACED IN MY CREDIT FILE. THE COMPANY LISTED COLLECTION WITHOUT PROPER INVESTIGATION. 

SUMMARY OF ALLEGED ACCOUNT LISTED BELOW ACCOUNT # XXXX COLLECTION/CHARGE OFF
Consumer complaint received 2021-04-13
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. (NC)

Im submitting this complaint against Experian, Equifax, and Transunion due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2018-03-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (TN)

We got a loan from Advance financial for {$3500.00}, we have been paying up to {$800.00} a month for months now and we checked our balance and it is at over {$4000.00}. How is this legal????
Consumer complaint received 2019-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (AL)

Recently my mortgage was transferred to PHH Mortgage Services who notified me that {$120.00} in late charges. There's been no interruption in my automatic payments and it was transferred from the previous mortgage holder. I would like an explanation to the fees because I don't believe I have missed a payment. PHH insists they have the right to collect the debt from the creditor.
Consumer complaint received 2019-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: U.S. BANCORP (IL)

I received a call from phone number XXXX. She stated that I had a debt with US Bank that was from XX/XX/2010 and that they were gon na start to garnish my wages. This is fraud. I have never had an account with US Bank. They have all my information. I would like to know what are my next steps
Consumer complaint received 2023-04-10
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: Experian Information Solutions Inc. (TX)

I am demanding the removal of the following account since it has yet to be verified by the credit reporting agencies or the creditor. Please see the attached dispute letters sent to both the creditor and the credit bureaus over 60 days ago. This has fallen on deaf ears. I do not have an account with XXXX XXXX XXXX XXXX. You failed to do an investigation when you were notified months ago. Remove this account immediately.
Consumer complaint received 2022-10-21
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. (TN)

In accordance with the Fair Credit Reporting act, -XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights .

**15 U.S.C 1681 section 602 A : States I have a right to privacy.

**15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

**15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-10-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Designed Receivable Solutions, Inc. (CA)

I am a victim of identity theft .This collection agency reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. I never had any medical services from XXXX XXXX or ever authorized to use my personal information. This have caused me great damage and embarrassment also with emotional distress.
Consumer complaint received 2018-04-27
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. (TX)

Received credit report from Experian XXXX for XX/XX/XXXX. Inquiry was made by Experian/XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. No phone number given. Letter sent to the company XX/XX/XXXX requesting why they obtained my credit report. The company has not responded. I do not recognize Experian/XXXX.
Consumer complaint received 2018-10-17
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Stewart Information Services (CA)

We would like to file a complaint on Stewart Title of California for {$55000.00} NSF deposit for Escrow not disclosed to us. On our 21 day escrow per the sales contract originally dated XX/XX/2018 we received confirmation XX/XX/XXXX they had received funds, but were never later notified that the funds were non-sufficient. We and Stewart title moved on with the escrow, we the seller made trips to Arizona for replacement property, hours of time and thousands of dollars were spent on Home Inspections, Pest Inspections and subsequent repairs, packing, renting storage, satisfying escrow and title needs with the knowledge that a deposit was in escrow. The buyer removed all contingencies on XX/XX/2018 and these monies were considered ours as the sellers. We then went on to sign all documents to close escrow at Stewart title in XXXX XXXX, Ca on XX/XX/XXXX assuming our property was sold. It was not until XX/XX/XXXX that Stewart Title notified all parties that they were resigning as title holder and terminating the escrow and at that time we were told that there were no funds to close the deal and the original funds previously acknowledged were not available. 
As the escrow holder being the State Custodian of funds until released per contract which was non-refundable to buyer. Stewart Title violated the Contract, Escrow Agreement and Fiduciary Duties as Escrow Holder. As we were given no update that there were any issues with the escrow or the funding until days after signing the final sale documents, we believe Stewart title is responsible to pay us the complete sum of the liquidated damages of {$55000.00} per the sales contract.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc. (OH)

I am challenging the validity of bankruptcies being reported on my credit report to all three bureaus. It is to my knowledge I did not authorize any information to be released for any purposes and I would like full documentation and verification that these bankruptcies belong to me as I have gone to the court, and they informed that no such information is released. Furthermore, there is freezes on my account.
Consumer complaint received 2020-01-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (CA)

During the week of XX/XX/2020 through XX/XX/2020 Navy Federal Credit Union charged me {$80.00} in overdraft fees. I was charged too many fees. This happened because when the posting happened Navy Federal did not post in order of when the charges actually happened, they charged the highest dollar amount first, then followed with the lowest dollar amount last, in turn Navy Federal made extra money on overdraft fees. I also made a deposit of {$490.00} on XX/XX/2020 and that deposit was not credited until XX/XX/2020. Because of all these overdraft fees my account became overdrawn because of the overdraft fees and more overdraft fees were added because of the overdraft fees. I will admit I had no idea my account was overdrawn until XX/XX/2020 when the {$490.00} deposit was made. I made an error in my checkbook. I called and requested help and received none. And then I remembered why I did not receive customer service. Navy Federal has placed a flag on my account recently that I was in bankruptcy ( which is 100 % payout ), so now when I call or go inside a branch the teller knows that I have a bankruptcy on file. I have no idea why it is a tellers business or a customer service representative, however when the flag was added I have been treated differently and looked down on.
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Bread Financial Holdings, Inc. (TX)

I would like to ask you to reconsider my application for your XXXX credit card. I recently applied and I was rather surprised to receive a delay regarding my application. I believe I received a delay in processing due to XXXX still not removing a consumer alert, fraud alert, and other alerts on my credit report although I have asked them to numerous times.
Consumer complaint received 2019-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My Bank of America credit card/credit information was stolen and three ( 3 ) fraudulent purchases were made ( XX/XX/2018 ) with my card. I reported this to the bank within a few days and they have only responded one time stating the card was present at teh time of the transaction and failed to credit my account for the fraud. I submitted a police report as well with the XXXX, TX police department regarding this fraud/theft. I resubmitted a second request ( XX/XX/XXXX ) for the bank to look at the fraud case and they have failed to respond in writing or by phone over 30 days. The bank is not providing a timely response, not providing sufficient phone or email support to remedy my case and not protecting the card holder credit information with authorization security features.
Consumer complaint received 2022-10-21
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. (CA)

Despite the multiple previous written requests, the unverified item ( s ) listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified. Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA. Since you claim youve verified the account ( s ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not one of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please remove this account, or inaccurate information, from my file immediately & send me the results to the address listed below XXXX XXXX XXXX Date Opened : XX/XX/2012 Balance : {$0.00}
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

This complaint is about the 2 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
Consumer complaint received 2022-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (CA)

I was contacted

by Sprint in 2019 about a debt owed, inform Sprint that I was not the one who started the account and everything was resolved. Until recently this 3rd party debt collector Afni contacted me about owing money. They had one guy verbally harassed me over the phone calling me the XXXX. I am so hurt and afraid every time they call my number. Not sure who or what I will get.

This debt was resolved a long time ago, not sure why Sprint sold to Afni.