davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I went to the FTC to inquire instructions for instructing each of the big three to establish credit freezes for my wife and myself following the Equifax breach. I called each of the three numbers given on the FTC web page instructions : Equifax XXXX Through voice instructions was able to enter and confirm by SS # and ZIP code and then was told they could n't freeze my account. 
XXXX : XXXX requested a security free and through voice instructions was able to confirm SS #, DOB, Zip and first 3 numbers of my home address - they informed me they could not place a freeze on my credit file - I had to submit a written request. 
XXXX : XXXX requested a security freeze, supplied SS #, DOB, Zip Code then was sent to a buzy tone and disconnected.
Consumer complaint received 2019-02-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX  XXXX TransUnion and XXXX  Show different Date and year of Last Active. TransUnion Shows XX/XX/XXXX. and XXXX  Shows XX/XX/XXXX how is this possible? this is inaccurate and a violation of the FCRA and needs to be Deleted.
Consumer complaint received 2021-03-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NE)

On XX/XX/XXXX XXXX received my mortgage payment in the amount of {$2200.00} for the full month of XXXX, XXXX and first half of XXXX, XXXX. Of this amount, {$750.00} was put into curtailment. 

On XX/XX/XXXX, XXXX received from me, another month and one half mortgage payment of {$2200.00} to include XXXX, XXXX. 

Therefore, as of XX/XX/XXXX, I was one full month of mortgage payments in advance. 
Having paid {$2200.00} on XX/XX/XXXX and again on XX/XX/XXXX. 

However, XXXX, misappropriated a half month payment of {$750.00} to curtailment on XX/XX/XXXX, and NEVER corrected this error, subsequently causing inaccurate accounting and reporting of my account as delinquent, in my trail mortgage modification period. 

XXXX records show curtailments of funds occurred a total of five times as follows : XX/XX/XXXX - {$750.00} XX/XX/XXXX - {$750.00} XX/XX/XXXX - {$760.00} XX/XX/XXXX - {$760.00} XX/XX/XXXX - {$750.00} However, ALL of these amounts were not applied to the mortgage when the payment was full month. I want : 1. An AUDIT of my payment history and an accounting of all curtailments from XX/XX/XXXX until XXXX, XXXX. 
5 curtailments were used to subvert funds and XXXX records demonstrate only 3 corrections. XXXX improperly applied 1 month of funds to principal by diverting my payments to curtailments which were never properly refunded. 

I want all 5 payments subverted into curtailments applied accurately to my payments. 

When I resume mortgage payments on XX/XX/XXXX, I expect to be 1 month in advance of payments.
Consumer complaint received 2021-03-31
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (AZ)

My account number is XXXX. OnXX/XX/XXXX I called into XXXX XXXX XXXX and I spoke to a XXXX at XXXX. She started the call asking for my Social security number and then provided me with my first and last name. She refused to assist me and stated that she would not approve a payment plan for me because I would not give her personal information. I stated I what I could pay however she would not set anything up for me. She was unclear and would not answer my questions on what would happen to my account. I asked to make a payment and while I was walking to my wallet she laughed at me and was very rude/unprofessional. I called back and talked to a XXXX at XXXX he did not ask for my name or social security number and provided me with my account number over the phone. I am concerned about information released and the fact that the company refuses to assist their customers. XXXX did not even attempt to help me.
Consumer complaint received 2019-02-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Once again theyre removing and resubmitting inaccuracies on my credit report. I have submitted those documents to the credit bureaus along with documentation from the bankruptcy court and police department and still nothing has been done.
Consumer complaint received 2022-03-29
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. (CA)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 2019-11-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Recovery Services, LLC (LA)

RECIEVABLE RECOVERY is reporting a debt I do not owe them to all three credit reporting agencies. I have asked for proof that I owe them but to date they have not furnished that to me. Despite this they have continued to report this false information. acct XXXX if this is not corrected I will be seeking legal remedies.
Consumer complaint received 2024-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (FL)

The Institution in question took my ( XX/XX/2023 XXXX XXXX XXXXXXXX payment from the VA. They also took existing funds that were in my account at the time. They did this in order to replace funds that were fraudulently taken from my account. Those actions occurred without my knowledge. The amount they penalized me for was roughly about {$1800.00} +/- Prior to the aforementioned happening. I advised the institution that my debit card had been lost/ stolen during the time my checking account was compromised. There were transactions that had been debited to my account. Which actually took place in another state. I disputed all of those charges and transactions. However, they still took away my funds .... There actions caused a personal hardship for me and my family!
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

According to the credit bureaus, their data shows a mortgage of {$380000.00} with creditor name " XXXX XXXX '' on my property at XXXX XXXX XXXX XXXX CA XXXX, but I have no mortgages on any of my properties. Moreover, I have never dealt with XXXX XXXX at any time. I called them today and they confirmed they show no loan on the property, and no record of my SSN or my wife 's SSN ( we are joint tenants/community property owners ) in their records.
Consumer complaint received 2018-01-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

I wired {$2000.00} to Coinbase onXX/XX/XXXX from XXXX, the money is gone from my bank account, but its not showing in my Coinbase account. I submitted a ticket from Coinbase website on XX/XX/XXXX, so far still havent got any actual update from Coinbase except XXXX reply said they already returned money.

Im wondering what exactly happened to the money I wired. Its unbelievable theres a company in US can do this to their customer! Just take money from people!
Consumer complaint received 2017-11-13
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc (TX)

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 
I am a victim of identity theft and noticed a collection from AD ASTRA RECOVERY. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against AD ASTRA RECOVERY in  regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

This is not a regular dispute. My credit report is being affected by items that are not both 100 % accurate fully verifiable. I have been living with a friend because my score is affected by this inaccurate items and am not able to get my own apartment.
Consumer complaint received 2024-02-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NE)

I trust this letter finds you well. I would like to inform you that, as of my recent reviews, the fraudulent accounts reported to other credit bureaus have been successfully removed. However, it has come to my attention that the same fraudulent accounts still persist on the credit report under your jurisdiction. XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-05-23
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XXXX XX/XX/XXXX I requested an investigation because I felt the item is not being reported legally, and I received documents dated XXXX XX/XX/XXXX and XXXX XX/XX/XXXX stating that their investigation was complete. XXXX  and XXXX claim to have somehow verified erroneous information ; therefore, I legally requested a description of the procedures used to verify this information. XXXX  has not sent any proof from any of the alleged creditors to proof this alleged debt. 

Notwithstanding, Under 15 U.S. Code 1681b- Permissible purposes of Consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : I have not ever given my consent to furnish these debts owed to me. Therefore, it is identity theft.
Consumer complaint received 2018-02-16
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. (GA)

I would like to dispute the following. 

Address XXXX XXXX XXXX XXXX OH XXXX. I do not recognize this address. 
XXXX XXXX XXXX  Account XXXX I never paid this account late. 
XXXX XXXX XXXX Account XXXX I never paid this account late. 
XXXX Account XXXX I never paid this account late. 
XXXX/XXXX  Account XXXX I never paid this account late
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

I have disputed this account and I believe they still have not been reviewed or investigated correctly. This is a major violation to my investigation rights under the FCRA. I have attached explanation of inaccuracies and screenshots of the most recent credit report. Since you can not investigate properly and choose to ignore the inaccuracies and inconsistencies I will point them out for you. 

Unknown Debt Collector This account is showing the original creditor is XXXX, but who is the debt collector attempting to collect the debt? They have not disclosed themselves in this report as you can see their name is missing. This debt is invalid. In addition, this account is showing Account Disputed with NO LAST VERIFIED DATE. This debt was not verified with the 30 day investigation period allowed per their own records of the absent XXXX XXXX date. They even acknowledged the dispute per their remarks but still did not correct their reporting XXXX. I AM NOT disputing ownership. Please do not mark as verified by stating we verified the account is yours. PROPERLY INVESTIGATE the validity of the INFORMATION BEING REPORTED of this account as its is not reporting consistently across bureaus and are showing different information on each bureau.
Consumer complaint received 2021-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (TX)

I would like to get my PMI cancelled. My current principal balance is XXXX. I believe the market value of my home is greater than XXXX. For reference, Quicken 's own refinance tool estimates my home 's value at XXXX XXXX says XXXX. Quicken is stopping me from cancelling the PMI by stating that : 1. I must have the loan for 2 years before I can request a reappraisal 2. I must have done some major renovations / structural add-ons Neither of these are supported by the note or accompanying PMI disclosure I signed at closing. 

I'm also told that even if they did perform an appraisal, it would not be representative of the current market. XXXX that helped me stated that even though the houses around you are going for a more expensive amount, our appraisal will primarily just focus on the improvements you've made with little consideration for the actual market-value of the home.
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. (OH)

As I pulled my credit report after having identity theft I notice things on my report that I never applied or have any knowledge of or any open accounts. On XX/XX/2022 I sent out certified mail letters notifying the companys and reporting companies listed with the accounts below which they are in violation of the fair credit report act ( FCRA ) CODE : 15 U.S.C 1681. Without my authorization. I have not initiated any transactions with this company and I do not have an account nor have I benefited from this company as defined under code 15 U.S.C 1693a ( 2 ) Furthermore, under the FCRA Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years or both Code 15 U.S.C 1681n ( a ). I was willing to settle this matter without any admitted liability. But However, I have not received a written response or any response back from the following companies. I have not received any validation with my hand written signature on it, Im seeking the removal of this inquiry from my credit report due to fraudulent activity that has been took placed. 

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 XXXXXXXX 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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2024-02-07
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/XXXX, I contacted Capital One Venture X customer support line because my XXXX membership was downgraded to a basic level from XXXX 's Circle. We reached out to XXXX together through a conference call, and XXXX confirmed that maintaining the Venture X card alone will NOT requalify me as a President 's Circle. This was on a recorded line with the Capital One XXXX XXXX representative. Rather, XXXX requires XXXX members to maintain status based on rentals/dollar-spend qualifications. This is in contrary to what Capital One XXXX XXXX Terms and Conditions state. In particular, Footnote 8 from this website states the following - https : XXXX? XXXX & XXXX & XXXX & XXXX : " Upon enrollment, eligible cardholders will remain at that status level through XX/XX/XXXX, at which point they will be reverted to the level commensurate with XXXX standard usage policies. '' At no point does Capital One note that additional terms/conditions may apply from XXXX to maintain the status, but that the status would remain as long as the customer maintains the card. This is clearly not the case.
Consumer complaint received 2017-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

These are all inquiry that I did n't give permission to run my credit credit bureau still report and inaccurate information XX/XX/XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX lease XX/XX/XXXX cont XX/XX/XXXX bank XX/XX/XXXXI only applied to two lines of. Credit and neither run your credit score to get approval it 's secured credit card
Consumer complaint received 2019-02-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GLA Collection Company, Inc. (KY)

I don't know who XXXX XXXX XXXX is? But GLA verified this collection twice. I also mailed a direct letter to XXXX, XXXX XXXX XXXX, but no response to my questions. I thought the furnisher had 30 days to respond to a direct dispute?
Consumer complaint received 2021-03-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (WA)

United Wholesale Mortgage ( UWM ) - Failure to return escrow funds in a timely manner as prescribed in CFR 1024.34 ( b ) ( 1 ) My mortgage balance was paid off on XX/XX/2021. 

I received a letter from XXXX dated XX/XX/2021 indicating my mortgage was paid in full and, " Any funds remaining in your escrow account, or funds received in excess of the payoff amount, will be processed and returned in accordance with applicable state and federal laws ''. 

As indicated by XXXX and the online portal ( XXXX ), a refund was processed on XX/XX/2021. 

On XX/XX/2021 I called the customer support number ( XXXX ) asking about the status of the refund. I was told by customer service that checks take a further 5 days to be produced and mailed out. That would place XXXX outside of the 20-day requirement to return remaining escrow balances. I asked XXXX customer support for proof of mailing but they are unable to produce one. Customer service says the United States Postal Service ( USPS ) is slower than usual. That is an unacceptable excuse when they can't produce proof that it was placed in the custody of the USPS. 

As of XX/XX/2021 the refund has not been received.
Consumer complaint received 2021-05-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

I refinanced my mortgage through USAA, during the process of applying the person I delt with was XXXX XXXX XXXX, NMLS ID XXXX, Loan Officer, Real Estate Originations ( Real Estate, USAA XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX Fax : XXXX ) She stated that she would be my Loan Officer for the entirety of the mortgage, and that if I had any questions, even after closing I could contact her directly. 

Shortly after the refinance closed I started getting letter stating that I would have to direct all questions to their " Subservicer. '' At no time was I ever told that I would have to deal with a 3rd party, nor did I at any time agree to this. I have attempted to contact USAA about this but the only answer I get is that there's nothing can be done. 

If I knew USAA would force me to deal with a 3rd party I would cancelled the refinance and never signed off on the paperwork.
Consumer complaint received 2023-01-12
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: Experian Information Solutions Inc. (IL)

On XX/XX/2022 I submitted request for Experian to remove this incorrect reporting from my credit. Experian sent me back a notification they send everyone which was they verified information and the outcome of the results included the status remains the same. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/ with an amount of {$5600.00} This negative reporting is hindering me from accomplishing goals I have set forth also causing a great deal of damage to my credit profile. 

On XX/XX/ I sent a follow up notice to all credit bureaus and as of today this negative and fraudulent item remains on my report.
Consumer complaint received 2022-01-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

I have been trying to pay the mortgage since XXXX XXXX. I successfully paid the mortgage last month, and have registered with their app, but the same login in user ID and password will not work. When I click on their button for having trouble to sign on and enter my account number it states they can not locate me and direct me to call. I have been on the phone for hours, and they are not picking up. There is no chat option, their website states it is coming soon. There are no branches in Illinois that they list on their website. It should never be this difficult to pay a mortgage online to an online bank. Today is XXXX XXXX and I am unable to connect with anyone in customer service to get this rectified.