davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

Fraudulent USAA  checking not closed as requested under daughter XXXX name. 
Balance on account issued XXXX  month ago. 
XXXX  XXXX : Personal Information distributed dark web Communication with Impersonating representatives Unable to contact USAA We have no access to account Fraudulent communication below.
Consumer complaint received 2020-08-19
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. (AR)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. ARKANSAS XXXX XXXX {$1100.00} XXXX OF AR XXXX {$4000.00}
Consumer complaint received 2020-09-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (MD)

I refinanced my loan in XXXX with Cardinal Financial Company, LP. Since XXXX, I have requested via phone ( 5 times ), email ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) and secure message via their website ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) payment via escrow of my Home Owner 's Insurance. Also, in XXXX, I provided my new loan information to the Home Owner 's Insurance company to resubmit the bill to Cardinal Financial. 

Each time I call, I am on hold for 45+ minutes and the call either disconnects or I am asked to leave a message to which I never receive a response. 

I have received a notice from the mortgage service company of a delinquent status in my obligation to secure and maintain adequate home owner 's insurance. The notice also indicated if this was not rectified that the service company would purchase home owner 's insurance on my behalf. 

I am unsure as to how to resolve this given their extreme lack of responsiveness. 

I am concerned of this lapse in coverage and my inability to resolve this issue despite multiple, proactive steps on my part. 

Thank you.
Consumer complaint received 2020-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (NY)

Hello. I am looking for a fair solution on this case. I am victim of violations to my rights as a consumer. American Express is committing multiple violations to the California Credit Reporting Act. 

I am writing to you today regarding the following account with : Account # XXXX, opened date XX/XX/2016, limit {$2000.00}, balance {$0.00}, status : closed. I tried to solve this issue with them, but no answer was received on my side. 

Some of the violations that Amex is committing are : - Unfair business practices - Negligence - Breach of contract - Reporting incomplete information I am demanding the item removed frmo my report. This is causing me a lot of troubles, XXXX XXXX, and with all this covid19 situation, is even worst. 

Please send the attached documentation to American Express. 

Thank you very much.
Consumer complaint received 2020-11-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (DE)

A patient with the same name and date of birth as me was allegedly treated at XXXX XXXX  XXXX XXXX in XXXX, Georgia on XX/XX/XXXX. The medical bill was not paid and I received a letter dated XX/XX/2020 from Online Information Services ( OIS ) stating that I owed payment on three debt accounts for a total of {$2900.00}. On XX/XX/XXXX, I mailed a letter disputing the debt to OIS. I received a response from OIS on XX/XX/XXXX indicating that XXXX XXXX XXXX  XXXX and XX/XX/XXXX( the parent companies of XXXX XX/XX/XXXXXXXX XXXX ) confirmed the debt was valid. On XX/XX/XXXX, I discovered that OIS had reported the debt to XX/XX/XXXXand XX/XX/XXXX. The debt appeared on my credit reports from both agencies. I disputed the debt and froze my credit. XX/XX/XXXXremoved the debt from my report on XX/XX/XXXX. XXXX  removed the debt on XX/XX/XXXX. After calling XXXX XXXX and XXXX XX/XX/XXXXseveral times, I discovered the hospital had recalled the debt from OIS. One person from the hospital billing office and one person from XXXX XXXX told me the patient actually was not treated atXX/XX/XXXXon XXXX XXXX. There are many unanswered questions in this case, but the bottom line is that Online Information Services is at least guilty of not conducting an investigation before attempting to collect the debt. On the opposite end of the spectrum, OIS is possibly guilty of the practice of Zombie Debt as it appears the patient may not have been treated by the hospital on the dates in question. People should be very cautious when dealing with an unscrupulous and unethical collection company like Online Information Services , Inc .
Consumer complaint received 2020-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I originally signed up for services with XXXX XXXX XXXX for which they indicated that I would be receiving internet with the bundled services. I was later informed that they could not provide the service and that they would be contracting that portion out. I told them if that was the case I did not want to move forward with the activation and they said okay. Now there is a collection with IC Systems for internet service for which XXXX XXXX XXXX never provided. I went with a different internet company.
Consumer complaint received 2020-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (AZ)

In XXXX we did a loan modification. As part of the modification there was a {$70000.00} deferred amount included in the loan. In XXXX we did another loan modifications. Both loans at that time were with XXXX XXXX XXXXXXXX. On the 2nd modification, the XXXX, XXXX deferred amount was reduced to {$56000.00} and the interest bearing part of the loan was increased and 8 years was added to the length of the mortgage. That modification was finalized in XXXX of XXXX. In XXXX of XXXX, XXXX XXXX XXXXXXXX sold our mortgage to Shellpoint Mortgage servicing. The terms of the mortgage were to stay the same. {$56000.00} deferred with an interest bearing amount of $ {$200000.00} with a total balance of {$260000.00}. Shellpoint has misapplied that mortgage and instead of showing the new balance in the deferred part as {$56000.00} they have decided to add in the {$70000.00} deferred amount from the first modification to the loan. The looked at the Clarity Commitment and completely misinterpreted it, Instead of understanding that the clarity statement was explaining what factors and figures used to arrive at the new figures. They decided that it meant they need to add those figures to the new modification. So, we are now showing our new total balance as over {$330000.00} which is more than we have ever owned on the home. We have had several long conversations with both Shellpoint and XXXX  XXXX XXXX and XXXX  XXXX XXXX has confirmed that Shellpoint is incorrect. But Shellpoint has taken the stance that we have to " prove it '' even though they have the Fannie Mae paperwork right in front of them. We have asked Bank XXXX XXXX to put something in writing for us but it has been weeks and we seem to be getting the run around at every turn. Our frustration is rising as every time we call either bank we are on hold for hours on end and have to start from the beginning every phone call. We are unable to get a resolution as the why {$70000.00} of our money is being held XXXX!
Consumer complaint received 2024-01-26
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION (NC)

Navy Federal Credit Union is where I received the credit card from. I was declared federal and state XXXX which cause me to be on a fixed income. I fell behind on my payments. This card has XXXX insurance on it. They started garnishing money out of my bank account which cause me to fall behind on my mortgage and other payments. This has also caused me to have fees from other institutions. I do not think this is fair. I am a XXXX percent XXXX veteran that had served her country.
Consumer complaint received 2023-01-30
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-22
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: Credit Plus Inc (TX)

remove address the are not mine and accounts XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$1200.00} Balance Updated XX/XX/XXXX Credit Limit XXXX XXXX XXXX XXXX   XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$25000.00} Balance Updated XX/XX/XXXX Credit Limit {$25000.00} Monthly Payment - Past Due Amount {$25000.00} Highest Balance - XXXX XXXX XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$25000.00} Balance Updated XX/XX/XXXX Credit Limit {$25000.00} Monthly Payment - Past Due Amount {$25000.00} Highest Balance - inquires not mine address not mine XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX  XXXX, TX, XXXX XXXX XXXX XXXX XXXXXXXX, TX, XXXX XXXX  need to add my correct address and XXXX  XXXX  only. brains of the 3
Consumer complaint received 2021-07-19
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: LAKEVIEW LOAN SERVICING, LLC (UT)

In 2019 I filed a loan modification that was approved. I was put on a trial payment arrangement with a signed agreement. I made all trial payments and my modification was fully approved. The lender has since reported all trial payment months are late, no payments on my credit. I contacted the FHA and my attorney and they confirmed that it has to be reported at " paid as agreed '' because I made the payment it was just a different payment based on our NEW agreement. Now 2 years later and in a better position I want to refinance and can't because they are reporting late payments ILLEGALLY!!! I have disputed it based on my contract and 2 bureaus have updated but transunion wont claiming the original creditor is telling them not to which is ILLEGAL. It has to be reported accurately which is that I paid an agreed upon amount.
Consumer complaint received 2023-01-30
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. (CA)

This is my endeavor again to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-30
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. (TX)

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-30
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. (NC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-30
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. (FL)

This is my numerous request that you remove this inaccurate data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2020 Chase decided to lock my account stopping me from having access to any of my money and said theyre closing my account and dont have to give me any reason whatsoever, they also cant give me and exact date when theyll send me my funds
Consumer complaint received 2023-01-29
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

In XXXX, XXXX, I notified Bank of America that I am a victim of identity theft, based on emails that I received stating that a Bank of America account was opened without my consent. I requested that BoA close the account, send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I also asked that XXXX send me a letter explaining your findings and actions. I still have not received any written confirmation of these actions from BoA XXXX XX/XX/XXXX, I again received emails from Bank of America stating that an application for an account was approved, and another account was opened using my personal information without my consent.
Consumer complaint received 2020-08-19
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. (AR)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX XXXX {$1100.00} XXXXXXXX XXXX XXXX XXXXXXXX {$4000.00}
Consumer complaint received 2019-10-30
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. (TN)

XXXX  and Equifax refuses to remove an account on my credit report and claims account was verified as accurate although the account was dismissed in local court as being unverified.
Consumer complaint received 2020-11-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

I spoke to XXXX, account service manager XXXX today XX/XX/XXXX after I sent the earlier faxes we got cut off. Previous live calls= I spoke numerous times on phone since XX/XX/XXXX and faxes. when agent does not want TO HANDLE DISSCONNECTS OR PRETENDS CANT HEAR ME. I have paper trail and all supporting documents to prove my balance is correct. 
My account transferred from old account jot new account with issuance of new card number. Balance to date should be {$2500.00} as of XXXX XXXX, XXXX balance still states {$3100.00}. i sent payment investigation team consolidation and proof of payments. has not been corrected. 
There was a {$270.00} payment in XXXX applied internally from their other credit department - from citi rewards Mastercard which was then reversed in XX/XX/XXXX. It May play a hand in best buy/Citi accounting errors. 
There are missing payments. Wrong payments are listed on statements. 
Also when the account numbers changed form new card issuance the balance came over to the new card wrong, that is why there is a discrepancy between my balance and your balance ( per my call today with XXXX ). 
There was also a {$330.00} that is wrong in XX/XX/XXXX closing period statement there is an incorrect input on the wrong line under summary of account activity. The {$330.00} should not be purchases and should have been inputted under " previous balance '' line item. 
I need the account to be audited & corrected. 
i requested Best Buy to contact me by phone to discuss, it is impossible to reach someone that can help. 

closing period balance DATE Payments purchases adjustments new balance XX/XX/XXXX {$330.00} XX/XX/XXXX {$84.00} XXXX XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$84.00} $ - XXXX {$160.00} XX/XX/XXXX {$160.00} XX/XX/XXXX {$84.00} XXXX XXXX {$84.00} XX/XX/XXXX {$84.00} XX/XX/XXXX {$2600.00} XXXX {$2700.00} XX/XX/XXXX {$2700.00} XX/XX/XXXX {$0.00} XXXX XXXX {$2700.00} XX/XX/XXXX {$2700.00} XX/XX/XXXX {$83.00} XXXX XXXX {$2600.00} {$2600.00} XX/XX/XXXX {$270.00} XXXX XXXX {$2300.00} XX/XX/XXXX {$2300.00} XX/XX/XXXX {$360.00} XXXX {$2700.00} XX/XX/XXXX {$2700.00} XX/XX/XXXX {$160.00} XXXX XXXX {$2500.00} XX/XX/XXXX {$2500.00} XX/XX/XXXX {$160.00} XXXX XXXX {$2300.00} payment reversal {$2300.00} XX/XX/XXXX XXXX {$2600.00} XX/XX/XXXX {$2600.00} XX/XX/XXXX {$140.00} XXXX XXXX {$2500.00} XX/XX/XXXX {$2500.00} XX/XX/XXXX {$240.00} XXXX {$2700.00} XX/XX/XXXX {$2700.00} XX/XX/XXXX {$180.00} XXXX XXXX {$2500.00} account number corrected XX/XX/XXXX
Consumer complaint received 2020-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NH)

I used to have an American Express delta sky miles credit card which was cancelled by AMEX on XXXX XX/XX/2020 without letting me know the reason behind the cancellation. I had reached out to them several times regarding this matter, but they never gave me an answer on why my card was cancelled. Prior to account cancellation in XX/XX/2020, I owed {$270.00} which I refused to pay AMEX until they told me the reason for why my card was cancelled. I had stated that I will pay the amount only if they told me the reason. All I got from them is to contact different departments each time I called. They were just passing the ball all around the company. They started charging me late fees and interest on that {$270.00} balance from XXXX onwards and later moved it to collections for not paying and today the balance is {$500.00} as of XX/XX/2020. Now, this has affected my credit score tremendously. No bank can cancel a card without letting the consumer know the reason behind this. I want this fixed. I will pay the balance of {$270.00} that I owed for purchases I made, but I want AMEX to waive all the late fees and interest they charged me and also take this off my credit report as they cancelled my card without telling me the reason behind that. I have attached the cancellation notice they sent me on XXXX XXXX and it has no reasoning. Also, I never received any letter in the mail stating the cancellation reason. 

I don't have the card with me anymore. This is regarding Account Ending XXXX
Consumer complaint received 2021-02-23
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. (FL)

Experian allows companies listing on my credit thats aged past Florida XXXX XXXX for credit cards and also Date of First Delinquency is provided by creditors that are not accurate and is causing past the time frame on ones credit to allow and hold credit from progressing which is unethical according to the fair credit act