davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-12
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. (NV)

There are some medical debts that are listed on my credit reports that are not mine. I have provided my personal information to show that I am a real person, and that I am not a credit repair or mortgage company. Please remove these debts that are not mine. Thank you.
Consumer complaint received 2019-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

On or about XX/XX/XXXX I received a supplemental tax bill and an adjusted tax bill to the mortgage servicer. We had purchased our home in XX/XX/XXXX. 

I emailed my mortgage company as we have the dreaded impound account. I asked them if they paid these tax bills. The response I received is as follows : Please be advised, the mortgage servicer is not responsible for paying the supplemental taxes, it is the borrowers. However, if you would like Shellpoint to pay them, please forward your Supplemental Tax Bill along with your written request to this email address and Shellpoint will pay them. Please note, paying the supplemental taxes can cause the escrow account to be short since they were not calculated into the required escrow balance. Because we are not responsible for paying supplemental taxes, we will not be held responsible for any penalties that may be assessed due to late payment. 

Of course, this leads me to believe they are responsible for the adjusted tax bill as per their email. 

Based on that, I paid the supplemental tax bill on XX/XX/XXXX. 

Then on or around XX/XX/XXXX, I received a delinquent notice for the adjusted tax bill. I emailed the mortgage servicer advising them and they responded that it was my responsibility to provide them with the information as it was not reported on the Tax Assessment Roll Report. Well ... I did provide this to them on XX/XX/XXXX. 

By them not paying this adjusted tax bill, it resulted in a penalty of {$XX/XX/XXXX} which I believe they should be responsible for, not me.
Consumer complaint received 2017-08-11
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. (MA)

1. XXXX has incorrect hard inquiries on my XXXX, Experian, and XXXX credit report. They are showing inquires from XX/XX/16. Inquiries that I did not authorize I do not know what XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquires from my XXXX, Experian, and XXXX report. The inquiry date is XX/XX/16. I would like this inquiry removed immediately as I did not authorize it.
Consumer complaint received 2020-06-29
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. (SC)

XXXX XXXX  XXXX XXXX  XXXX XXXX  ( CLOSED ) XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XXXX SHOWS 30 PAST DUE. 
XX/XX/XXXX PLEASE REMOVE THIS ERROR XXXX XXXX XXXX XXXX DOB XXXX XX/XX/XXXX XXXX
Consumer complaint received 2020-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

For the second month in a row, Bank of America has misapplied my mortgage payment to principal reduction instead of my monthly payment, even though I was using their online system correctly. When I called the customer service line to try to have their mistake corrected, I was placed on hold for 53 minutes before a representative answered my call. While speaking with her, the call was suddenly terminated. A recorded message played : " Due to extenuating circumstances, representatives are not able to take your call at this time. Please try your call again later. We apologize for the inconvenience. '' This is completely unacceptable. In a bank as large and profitable as Bank of America, a customer should be able to make his/her monthly mortgage payment in a straightforward way. In fact, once a loan is originated, the customer is captive to the servicer, and therefore, the loan servicer is obligated to provide the customer an error-free system for making payments. In the rare event an error occurs, the servicer needs to fix the problem with an apology to the customer. Furthermore, any system changes should not be disruptive to the customer. Instead, since Bank of America 's recent mortgage system change, I have experienced hassles and headache, now two months in a row. Bank of America 's system flaws are potentially harming me by making me late on a mortgage even though I have paid ahead. 
Please change my payment from principal reduction back to my monthly payment, as I designated in the online Payment function. Please fix your system issues that are causing these problems.
Consumer complaint received 2017-08-11
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. (MA)

XXXX XXXX XXXX has incorrect hard inquiries on my XXXX, Experian, and XXXX  credit report. They are showing inquires from XX/XX/16. Inquiries that I did not authorize I do not know what XXXX XXXX XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquires from my XXXX, Experian, and XXXX report. The inquiry date is XX/XX/16. I would like this inquiry removed immediately as I did not authorize it.
Consumer complaint received 2020-10-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC (IN)

Complaint on Veterans United Mortgage for handling of escrow account. We purchased home in XXXX, the prior owner had home for only 5 months, they were an LLC with no property exemptions. We have mortgage, homestead and XXXX veteran exemption. We have provided all proof to Veterans United and their servicer, the proof was documentation from the county, the readjustment from the county and the phone number and business card for the county auditor to confirm. Instead of correcting our escrow- they did a new analysis and raised it even more based upon the prior owners tax status not ours. I called back again to escalate, and no one followed up, no communication. I called again, and was on phone for over 30 mins- and told they haven't paid my taxes yet. Can't tell me when they will. 
I have tried to correct this since the application process and no one has handled it properly from application, closing and post-closing. 
We want the escrow corrected in the proper manner- our taxes are 1/2 of what they are using.
Consumer complaint received 2017-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: First Data Corporation (VA)

On XX/XX/XXXX two ATM withdrawals took place in another state in the amount of {$200.00} and {$160.00}. My card was in my possession. I was also charged six ATM withdrawal fees in the amount of {$2.00}. Two of them were declined fees. I called the XXXX on the back of my ATM/XXXX  card on XX/XX/XXXX at XXXX in the XXXX. My card was cancelled and I was credited the ATM withdrawal fees. I was given steps by the customer service agent to write a dispute letter with my personal information, debit/XXXX  number with the two transactions in questions and fax at ( XXXX ) XXXX. Once they receive the fax someone from the fraud department will call me, and they will also credit the unauthorized funds. I was also given the intructions to call periodically. Since then I have submitted 2nd dispute letter. I have a called every single day, multiple times with no resolution or concerned. Today XX/XX/XXXX I called twice and the first call the customer service agent hung up and the 2nd agent could n't hear me and disconnected the call. XXXX XXXX/XXXX XXXX XXXX is who I have had an account for the past six hears. Please advise. Thank you.
Consumer complaint received 2022-04-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On Saturday XX/XX/XXXX, I met a vendor via XXXX and we exchanged information to purchase a set of tickets for a concert occurring the same night ( texts included ). The concert tickets for the show were confirmed via photo. 

I received their information and had a brief call with them to ensure the legitimacy of the purchase. Following this, I transferred {$200.00} via the XXXX option on the Bank of America mobile application. 

The vendor continued communications for roughly 15 minutes to confirm the legitimacy of payment, and then stopped responding via text. Following this, I called and the number had been disconnected. 

Following this, I attempted to call the Bank of America customer service line which was not available that night because they were closed. I then called again during that week to file a fraud claim with their Fraud Department on Tuesday, XX/XX/XXXX. I was not asked any questions other than which transaction it was and the amount of the transaction, as well as a confirmation of my account information. I was told that in 10-45 days I would hear about the status of my claim. 

On Tuesday, XX/XX/XXXX Bank of America contacted me with a confidential message letting me know that my claim had been denied and that they may attempt to reach out to the other user to recover the funds, for which I could potentially hear back in 45 days.
Consumer complaint received 2017-08-11
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. (LA)

I have asked Equifax to remove all unknown inquiries that are listed below that ca n't be verified as mine and they refused to help.
1. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2018-09-20
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: Sequoia Financial Services (CA)

I have recently been informed that there is negative information reported by Sequoia Financial Svcs in  the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I have a collection of {$1700.00}. 

On XX/XX/2018, I wrote Sequoia Financial Svcs requesting documentation and record dispute while they have the opportunity to respond. I also wrote Sequoia Financial Svcs a second final goodwill attempt request for verification documentation on XX/XX/2018. Sequoia Financial Svcs has not replied with any documentation as requested for 1st request or 2nd last goodwill attempt request. I challenge the accuracy, compliance and reportability of this listing. 

They did not respond with any evidence requested verifying any documentation associated with this account, bearing my signature. They continue to report it to the Credit Bureaus and it is not my account. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file and all credit bureaus you maintain under my Social Security number. 

Please note that Sequoia Financial Services had 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and an additional 30 days from my 2nd goodwill attempt. I have kept record of their actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 

They have failed to comply with the law and as such Failure to respond satisfactorily within 30 days of receipt of the letters sent may result in a small claims action against Sequoia Financial Svcs, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting Act
Consumer complaint received 2023-01-30
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. (PA)

I XXXX XXXX, Consumer and natural person am a victim of Identity theft. XXXX, XXXX and Experian have used and furnished my consumer report without my consent, authorization or written instruction. They allowed companies to share my nonpublic personal information without consulting me and used that information to furnish. Congress makes it clear that the consumer has a RIGHT TO PRIVACY! XXXX, XXXX and Experian have violated my federally protected right to privacy by failing to meet the needs of congress by ensuring that the exercise their grave responsibility with respect of the confidentiality of my personal information. The Fair Credit Reporting Act was intended to ensure that consumer reporting agencies exercise their responsibility with fairness, impartiality, and respect to the CONSUMERS RIGHT TO PRIVACY! XXXX, XXXX and XXXX
Consumer complaint received 2022-04-06
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. (NY)

There are multiple XXXX  loan accounts that suddenly appeared on my credit profile which are fraudulent from the year 1999 from DEPARTMENT OF EDUCATION/ XXXX which accumulated over {$200000.00}
Consumer complaint received 2020-07-27
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: EQUIFAX, INC. (GA)

Upon receipt of my recent credit reports from XXXX, Equifax, and XXXX, Its apparent there still exist a Fraudulent account I discovered that was opened at XXXX XXXX ( acct # XXXX ) without my knowledge or authorization being reported negatively. This Account was opened as a result of identity theft/identity fraud. Ive subsequently filed a local identity theft police report and Federal trade Commission complaint regarding this matter. Ive properly notified Representatives at XXXXXXXX XXXX of this matter and have opened a Dispute requesting that they immediately close this Fraudulent account and to STOP the reporting of this INACCURATE, FRAUDULENT INFORMATION from my XXXX, XXXX, and Equifax Credit Reports.
Consumer complaint received 2024-05-17
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

i started an allotment with XXXX to have XXXX dollars direct deposited to my USAA account. this was XX/XX/year>. When i filled out the direct deposit information. i accidentally added an extra number. This number threw off my account. The first set of checks from XXXX were returned to XXXX. i then went to change the amount from XXXX to XXXX. It was unknown to me that my funds were not being received at USAA. i took an assignment to XXXX XXXX. With the movement and new assignment i didn't catch the error until XXXX of XXXX i contacted XXXX and they had the 3 returned checks for XXXX and returned them. The customer service representative gave me the tracer numbers for the other months. These months totaled 8 months. i contacted USAA to have the funds returned to me or have to sent back to XXXX. i provided the tracer numbers to the checks that were sent to the wrong account number. I called USAA and they said they see the money but couldn't tell me the account. However to get the funds returned i had to have the issuing company send a letter to recall the funds. XXXX has reached out on a couple occasions now and they have been ignored. this was started in XXXX and it is still ongoing. i have attached the copy with the tracer numbers and i have attached a printed copy of XXXX responding to my inquiry about the funds. the total sum is around XXXX dollars. i have called and uploaded this information on several occasions. When i contact USAA customer service they agree that the tracer numbers show that it was supposed to go to my account but, i have yet to receive any funds to my account or back to USAA.
Consumer complaint received 2022-08-09
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: EQUIFAX, INC. (PA)

This is a really significant matter for me! You are negatively affecting my credit report! You are creating XXXX for me as a consumer. I am unaware of what is occurring on this account. Why is it displaying late payment remarks yet I am always prompt with my payments?
Consumer complaint received 2020-10-22
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (VT)

People 's United Bank holds my savings account. Since opening the account they have consistently withdrawn excessive transaction fees for being over 6 withdrawals. Upon further research I found that the Federal Regulation D that mandates how many transactions can be performed monthly had been lifted in XXXX of 2020. Thus, the regulation that these charges are based on is obsolete therefore making this fraudulent charges. I requested that the total of these fees, in the amount of {$430.00} be returned t my account. I was hung up on 2 times by corporate and was finally able to speak to someone in my local branch who informed me that per Regulation D these charges were valid. Again, I stated that regulation D was lifted in XXXX and although they have the right to collect the fee they can not base it on the regulation alone as it no longer is valid. I informed her that if the money that was taken from my account was not returned I would lodge a complaint. She said she understood.
Consumer complaint received 2020-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I disputed several inaccuracies on my credit reports for Equifax, XXXX and XXXX  and have not heard back from them in over 60 days.
Consumer complaint received 2019-08-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CA)

I can't get into my account to make payments. When I log into my account it comes to a page that says " Error : We're sorry - an error occurred. Please come back later and try again. '' This has been happening for 2 months.
Consumer complaint received 2020-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

On XXXX I received a letter that I didn't have to make my XXXX payment to fifth third bank, XXXX I received call from customer service that I owed {$70.00} when my minimum monthly payment due is {$35.00}. I was told I haven't made a payment since XX/XX/XXXX-which I dispute : I pay my bill monthly by money order. XXXX XXXX I've been getting harassing phone calls from customer service when I've already told them I will make payment on or before XX/XX/XXXX!
Consumer complaint received 2018-09-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (ME)

Per USAA, on XX/XX/2018 an individual was able to access my USAA.com account and added an account that they would later use to transfer funds out of my savings accounts and into it. On XX/XX/2018, my account was again accessed and {$4000.00} were transferred into my savings account from an old linked account from another financial institution ( which that account was no longer active ). USAA 's policy is to make those funds immediately available and the individual that initiated the transfer then moved them out of my savings account to the account that they added on the XXXX. On XX/XX/XXXX we received a return of funds and an insufficient funds fee when USAA realized the that there was no funds in the account where the original transfer was requested. Upon seeing that I was overdrawn on XX/XX/XXXX I contacted USAA to report that their was fraudulent activity in my account and USAA started a fraud investigation. Their response came back that there was no fraudulent activity and they claim this by stating the funds transfer was conducted by someone that was logged in under my credentials. 6 weeks later I am still battling with USAA and I am getting no help from them with regards to what I need to be able to provide to them to help plead my case.
Consumer complaint received 2022-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (OH)

Fortiva credit card. Tried resolve with prior. Harassing only. Doesn't seem an American run business not aware if correct. 

Paid day before due and they billed anyways next day which was returned because I am in hardship. 

Fees above on purpose because I paid day before and account should be even but above balance due to double billing to gain fees. 

I paid before due date.
Consumer complaint received 2018-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am a victim of identity theft and these accounts on my credit report are fraudulent. I have been living in my house in Pennsylvania since XX/XX/2012. I have never took out a credit card or auto loan ever before. I am a mother of XXXX and this has been causing me a lot of stress. I want these accounts to be immediately removed and blocked from my credit.