davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

I am writing to dispute a billing error ( fraudulent usage of my debit card ) in the amount of {$150.00} with four fraudulent charges made on my account. The amount is inacurrate because someone fraudulently used my card after I lost it and was used at XXXX XXXX XXXX where I have never been. I followed all electronic Funds transfer rules and notified USAA immediately within an hour and the card was cancelled. The USAA employee said she would put in a fraud on those charges but never did. I spoke with someone in Security and he said they couldn't add the money back in because I did not file a police report even though no one told me I needed to. I filed a police report and sent a registered letter to USAA and never received any response from them after waiting three weeks.

It is clear to me that USAA could care less about their customers and saw how many complaints about them on claims. Do not use them and keep in mind that those people in the commercials are clearly paid to say good things. They just use military people to make money off of them.
Consumer complaint received 2023-04-02
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. (FL)

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

XXXX5 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 COLLECTION ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX. I XXXX XXXX XXXX HARD INQUIRIES : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SOFT INQUIRIES : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Inquiry XXXX XXXX AUTO FINANCE Promotional Inquiry XXXX XXXX XXXX XXXX  Prequalification for Credit Card XXXX XXXX  XXXX XXXX XXXX to XXXX Report XXXX XXXX XXXX XXXX Promotional Inquiry XXXX XXXX, XXXX Direct to Consumer Report XXXX XXXXXXXX XXXX XXXX Promotional Inquiry XXXX XXXX XXXX Prequalification for Mortgage 10. EQUIFAX INFORMATION SVCS Automated Consumer Interview System 11.EQUIFAX INFORMATION SVCS Automated Consumer Interview System XXXX XXXX Account Review Inquiry XXXX. XXXX
Consumer complaint received 2019-08-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Earnest Inc. (MN)

When XXXX bought out Earnest, they removed the biweekly payment option. When I called to discuss this with representatives in XX/XX/2018, they told me that switching to monthly payments would not affect the amount of interest I paid. That was false. A basic economic principle is that paying a loan more frequently reduces the amount of interest. I continued to make biweekly payments despite Earnest 's false representations. In XX/XX/2018, the interest being charged on my loan doubled. I have a variable interest rate, but the increase in LIBOR was not enough to cause the interest to double. I suspect XXXX changed the way they are calculating interest. Since XX/XX/2018, the interest being charged on my loan increases even when the interest rate and LIBOR decrease, and even though my loan balance is decreasing. This does not make sense. Earnest is either calculating the interest rates incorrectly, or charging hidden fees.
Consumer complaint received 2022-09-01
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-07-12
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On XX/XX/2022, I called Citizens Bank to set up a new Savings Account. The phone number on their online banking portal- XXXX is not a Citizens Bank phone. It belongs to a different company that asks you for your personal information. This is a deceptive as it is not disclosed that it is not a Citizens Bank line. 

I hung up and called their general line and they had no idea about it. Regardless, they were unable to help me because they Citizens Bank can not open an account over the phone - Misleading advertising! 

Lastly when I was in the middle of setting up the savings account online, I was directed to their disclosures page where there was an offer for a credit card. This is a very deceptive page as the offer to decline is not as prominent and the option to continue without accepting is not allowed. I pressed continue which then brought me to the screen saying my credit card offer was approved and I would be getting a card in the mail. I DO NOT want a credit card from Citizens Bank and I want this inquiry to be removed from my credit report. Furthermore I want Citizens Bank to look into its deceptive practices and fix this credit offering. Also the false advertising of an incorrect phone number belonging to a different company needs to be fixed.
Consumer complaint received 2019-04-12
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: Credit Technologies, Inc. (TX)

We had our credit report pulled and noticed that XXXX XXXX posted a late payment on our record. We reached out to them to ask that the derogatory reporting of XX/XX/19 be removed from the credit file. The item was removed. We applied for a home loan and the credit file was clear on the initial report. Once we were in our final stages of closing our financial institution ran the report again and the derogatory reporting showed back up on the report, which caused us to be ineligible for our home loan. We currently have XXXX  of dollars tide up in a home loan and will lose the money if this is not corrected. We reached out to XXXX XXXX and they stated there was nothing they could do.
Consumer complaint received 2017-01-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (TN)

I have an ongoing dispute with RoundPoint Mortgage Servicing Corporation XXXX. 
XXXX, NC XXXX https : //www.rpmservicing.com/ Phone XXXX RoundPoint XXXX up my escrow account and trying to make me pay extra {$500.00} per month ( they included our property taxes in the escrow account while based on the closing agreement we pay them on our own ). I called company at least 4 times to resolve this issue and at this point I 've been told a million things by their various employees claiming everything from " I do n't have to pay until receive a new escrow statement analysis and new invoice and your late fees will be waived " to ' you have to pay full amount anyway '' Recently I 've got a new escrow analysis statement, but they again XXXX it up made it effective just XX/XX/2017 and I 've got a new invoice with wrong amounts for two month now and a late fees. Could you please help me in this matter, your help will be highly appreciated.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

Hello, I have some charge offs and collection accounts listed on my credit profile that are ruining my credit and I've reached out on multiple occasions to the creditors and they weren't able to verify accuracy or remove the charge offs or collection accounts. 

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2017-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (DC)

My loan was recently acquired b y AmeriHome Mortgage Companys  loan servicing division.     I live in a roommate situation whereby my roommate contributes to the household by making a payment contribution towards the mortgage. We each write a check that when totaled equals the amount of the monthly due payment.     For example :  Amount Due  : {$4000.00 } ( n ot the actual amount, used for illustration ).     Payment  1  ( from roommate ) : {$1000.00} Payment  2  ( from me ) : {$3000.00} Total Payment Submitted : {$4000.00} I called AmeriHome indicating that I would like to send  two checks with one payment coupon each month totaling the amount due of {$4000.00}  I was unequivocally told that if followed this plan, AmeriHome would not ensure that the payments were applied properly, and that the system may not recognize the  two checks as totaling one p ayment.     This is not an industry standard.     I also contest  AmeriHomes  definition of partial payment. If I submi t two checks fo r the total amount due, that is not a partial payment. It is a complete payment using  two  payment instruments.
Consumer complaint received 2021-02-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (IL)

I have been repaying my student loans since I graduated in XXXX through the Income-Based Repayment Plan ( IBR ), which requires annual recertification and submission of documents to demonstrate my income, upon which my payment is re-calculated annually. My student loans are serviced by Nelnet and are due for re-certification on XX/XX/XXXX. I attempted to recertify on XX/XX/XXXX through their website, at which time I received a message that I was ineligible for the IBR and to call the servicer. I called and was told that my income is too high to qualify for the IBR and instead, I would need to start paying in a standard term repayment plan, which would cause my payments to be approximately {$1400.00} per month. They are currently {$280.00} per month and I can not afford an increase of more than {$1100.00} per month. Moreover, my income has not changed significantly to warrant such a high payment, and my eligibility should not have changed either, as the IBR only requires a partial financial hardship ( which a standard repayment amount would be ). I advised that this could not be correct and was placed on hold for a length of time so the person I was speaking with could confirm that what she told me was correct. After that time, she confirmed I was no longer eligible for the IBR but could articulate why, other than to say that my loans were no longer eligible but gave no explanation. I spoke with an account supervisor, who told me I was ineligible for IBR as well but that based on my income, my new payment amount would be approximately {$950.00}. He could not tell me why the amount was different or why my eligibility changed either, but then he re-ran the numbers, admitted me made an error in his calculation and that my new payment would be {$530.00} per month. During a 75 minute conversation, I was given three different payment amounts and no explanation for why I am no longer eligible for the IBR. I feel the information is incorrect and unsubstantiated but I do not know how to get good information or what to trust. I feel this is an annual occurrence with Nelnet and that they have no idea how to properly service my loans or provide accurate information. I am very concerned that they will deny my IBR re-certification, causing me to go into a standard payment plan that I can not afford and also causing my interest to capitalize, which happens if my payment plan changes. This will cause significant financial harm to me and my family if it happens and I am looking for help to deal with the problem.
Consumer complaint received 2020-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (IL)

About two months ago, I received a very strange collection notice in the mail from CREDIT MANAGEMENT LP in XXXX I believe. I am out of XXXX, so this seemed strange. I called the number and they said it was on behalf of XXXX and wanted me to pay right away. I did not agree to anything. 
I immediately hung up the phone and contacted my service provider, XXXX, to ask about the collection notice. The XXXX representative said that my account was CURRENT and up to date. So, I ripped up the collection notice from CREDIT MANAGEMENT LP and did not think anything more of it. 

Now, XX/XX/2020 I come to find out that this collection company CREDIT MANAGEMENT LP, has fraudulently placed a COLLECTION on all three of my credit bureaus. Thus affecting my FICO SCORE and hurting my credit history. 

My ask, is that there be repercussions against this collection agent for their FRAUDULENT ACTIVITY. It has caused me a lot of grief, trying to remove this off of my credit reports PLURAL.
Consumer complaint received 2018-06-18
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. (FL)

To : Consumer Disputes and Compliance Dept, This letter is a formal complaint that you are reporting false, incorrect credit information. 

I am really distraught that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. It is your companies duty that every step must be taken to assure the information reported is completely accurate and correct.These items below are not correct and are keeping me from from purchasing my 1st home. 

I would like these items immediately re-investigated as the items below are erroneous, inaccurate, incorrect and falsely reported accounts. 

1. Loan was deferred and should not be showing late payments XXXX   Account Number : XXXX Student Loan was deferred XXXX, XXXX, XXXX and XXXX, in XX/XX/2016and was never late. Please update this item to reflect no late payments. 

2. Loan was deferred and should not be showing late payments XXXX   Account Number : XXXX Student Loan was deferred XXXX, XXXX, XXXX and XXXX, in XX/XX/2016and was never late. Please update this item to reflect no late payments. 

3. I am the wrong consumer for this item. This is not mine XXXX XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX Account Number : XXXX This is not my student loan and should not be on my credit report. This belongs to someone else. Please provide proof of a contract signed by me or remove it from my credit report.
Consumer complaint received 2020-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FlexShopper, Inc (MN)

Received first letter from XXXX XXXX XXXX dated XX/XX/XXXX requesting payment for a debt from original Creditor: FLEXSHOPPER LLC For the amount of $XXXX. this is not my debt and I have had no contact with FLEXSHOPPER.  I then sent within 30 days a letter to them stating that this is not my debt. #1-I asked for full name and mailing address from the original creditor for alleged debt. #2-i request documentation showing you have information that i am responsible for this debt. #3-Documentation showing you are licensed to collect debts in my state. I also asked them to cease trying to collect this debt. I then received a second notice on XXXX XXXX XXXX from a second agency XXXX XXXX   for a second attempt to collect on the debt from FLEXSHOPPER LLC. in the amount of $XXXX.  I sent a second letter to XXXX   within the 30 day period requesting the same information and asking them to cease their attempt at collection on XX/XX/XXXX I received a letter from the XX/XX/XXXX program manager which included a copy of the FLEXXSHOPPER LLC RENTAL-PURCHASE AGREEMENT/LEASE for the alleged debt. The address of the original purchase does not belong to me. The Bank account associated with this clam does not belong to me. THIS IS NOT MY DEBT and i would like this resolved so it does not affect my credit.
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have always paid my account on time every month thru the website that the company provides but one month they notified me 30 days later that they never received the payment. I hadn't printed the confirmation because it has never been a problem I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but not had success. Its my only late pay with them and it wasn't my fault. They acknowledged that it may have happened since they have intermittent problems with their website and others have had similar issues that i know. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Consumer complaint received 2019-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

XXXX XXXX  contacted me with a credit bureau report about a balance from XX/XX/2001, over 18 years ago. I am aware this is well past the statute of limitations to collect on and as well to report to the bureaus. To have this currently being reported on my credit score is not only incorrect but also a violation of the collection agency to still be reporting and/or collecting on.
Consumer complaint received 2019-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

We previously filed a complaint regarding a charge of a Faulty Service received by a mechanic shop named XXXX in XXXX, GA who have defrauded us of our monies regarding his claim to repair our Transmission where we paid {$1700.00}. We sent in proof to Wells Fargo Bank twice in XX/XX/2019 & XX/XX/2019. We provided pictures of the Text Messages sent to the Mechanic regarding our continued issues with the vehicle. We also provided an estimate from another Mechanic called XXXX XXXX in XXXX, GA who also confirmed that the vehicle transmission was not repaired and was still leaking. We sent this quote and writeup invoice information to the Wells Fargo Claims Department as well. We sent documentation in 2wice after they claimed they did not receive information. After they received the information again in Feb/Mar this year the claim and temporary credit was suppose to remain on the account because they received proof regarding the Faulty Service received by the XXXX mechanic. However, we receceived another letter today stating they will be deducting {$1700.00} from our account on XX/XX/XXXX! We provided the proof and there only default on the letter is that It was authorized.. We know it was initially authorized, but it was disputed because of the Faulty Service received . Our vehicle was not repaired. It was also similar to the {$500.00} which was part of the same claim number and they stated the credit would remain on the account and this was the same scenario. So how can you state you will be pulling {$1700.00} out of our account and it is relating to the same claim # XXXX. We can not afford to have our monies deducted from our account on XX/XX/XXXX because it will also create an extreme Financial Hardship. Wells Fargo received the information regarding this claim 2wice and reopened the claim today after we called in a 3rd time. However, they stated they are still taking the money out. Our monies should not be taken out of our account because we provided the proof and details to Wells Fargo 3 times and believe the Claims Department is giving us a hard time regarding this matter instead of helping the Consumer who has my monthly Direct Deposits coming into Banking institution and I should not be treated in this ill manner and disregarded as a U.S. Citzen and U.S. Veteran who has served my Country. This action should not be taken out my account.
Consumer complaint received 2019-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (SC)

A couple of months ago I noticed a collection on my credit reports that I have no knowledge of by a agency called Online Information Services. I was informed the collection was from some utilities in another state. 

I then in turned called the original creditor like I was advised to do. The original creditor is XXXX XXXX XXXX. I informed them that I never opened any utilities or authorized any utilities to be opened in my name. I was informed the account was opened online. 

I was advised to dispute the account. I received a correspondence in the mail from online information services which is a billing statement with my name and a wrong address. The tactics this company is using is illegal.