davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (KS)

I have been attempting to complete a short sale of my home for many months. Although once approved, the buyer 's lender backed out and declined to extend financing to the buyer based on the repairs required to my home. I did receive a new cash offer, but it was lower than the prior offer. My short sale agents reached out to FHA directly to discuss the value and condition of the home. We were advised by FHA directly that their value estimate actually increased from $ XXXX to $ XXXX and that they would require an offer netting above 84 % of the new, increased value when my agents corresponded with their representative, XXXX XXXX, as of XX/XX/2020. The buyer was immediately countered, accepted an offer meeting the FHA required minimum net proceeds, and all paperwork processed to provide the servicer and FHA the offer as of XX/XX/2020. The servicer 's representative, XXXX XXXX, advise us on XX/XX/2020 that my property has not been eligible for a short sale since XX/XX/2020. This is not anywhere near consistent with what FHA advised us.
Consumer complaint received 2022-05-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Outsourcing, Inc. (PA)

Billed for services not rendered ( {$110.00} ) on XX/XX/XXXX. I cancelled the doctor 's appointment several days prior to the actual appointment. Confirmation of the cancelled appointment was given to me in writing. Payment by check from me was accidentally sent to the provider, XXXX XXXX. Seven months later, I received another invoice for same appointment. I disputed as services were never rendered. I received my original check back with a letter from the provider, dated XX/XX/XXXX that there was no balance due. On XX/XX/XXXX, I was contacted by debt collection agency ( Receivables Outsourcing , LLC / XXXX XXXX XXXX / XXXX, Md XXXX ) trying to obtain payment for this appointment. I do not owe any money, as services were not rendered. I contacted XXXX XXXX, the provider, on XX/XX/XXXX and left a message, but no one has replied.
Consumer complaint received 2022-05-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

So a scammer gave me {$3500.00} on XX/XX/XXXX, and told me to send {$2500.00} to various people, USAA locked my account, and after calling them on XXXX ; XXXX, they are keeping it locked for 6 months, and said I need {$1600.00} to unlock it!
Consumer complaint received 2024-02-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CT)

I am formally notifying your company that unless the necessary steps to address this matter are completed within 10 days, I will file a complaint with the FTC. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken (FL)

XXXX stoled {$75.00} from my account online. It was my remaining balance of a XXXX investment. XXXX defrauded me and are reaping the benefits of my {$75.00}. 

They illegally closed my account without my knowledge and XXXX will not refund me my {$75.00}. 

XXXX XXXX should be shut down and put in jail for defrauding USA citizens as XXXX has defrauded me. 

XXXX XXXX is located in XXXX XXXX, California and have numerous complaints of defrauding USA Citizens and stealing their money.
Consumer complaint received 2020-06-03
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. (GA)

I got my credit report, I disputed FRAUDULENT accounts from my report. I was FALSELY accused of using a credit repair company, I HAVE NEVER USED A CREDIT REPAIR COMPANY. I received notice as if I'm incapable of submitting a dispute and an affidavit on my behalf. I demand a response within 10 days. If I don't have a response in 10 days, I will be filing a complaint with the Office of the Attorney General.
Consumer complaint received 2021-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (CA)

On XX/XX/2021 a check I wrote for one of my subcontractors was stolen and cashed by another person who went to Navy Federal Credit Union and deposited the check into their account for the amount of {$1000.00}. On XX/XX/2021, I opened a fraudulent claim with my bank at XXXX and sent in documents from the person who had the check stolen stating they never cashed the check. On XX/XX/2021, XXXX XXXX  wrote to me to let me know that Navy Federal Credit Union has still not responded and if they do not then the funds are lost. This is fraud and is being ignored by Navy Federal Credit Union. They know the account of the person who stole my funds and are ignoring it. I want my money back.
Consumer complaint received 2022-08-17
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: Fidelity National Information Services, Inc. (FNIS) (MN)

I am a victim of identity theft and has a current and recent police report on file with Chex Systems. The following Inquiries Viewed Only By Me currently on my Chex Systems XXXX Report ID : XXXX is an unauthorized and fraudulent inquiry : XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/2022.
Consumer complaint received 2018-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Citizens One has not credited my mortgage escrow account with interest since the inception of the mortgage loan in XX/XX/2016, in violation of Massachusetts General Laws chapter 183, section 61. 

I contacted Citizens One who said that there is no interest being paid on the escrow account ( attached ) and MA Division of Banks and was told that Citizens One is in violation of this law and that they are regulated by CFPB. I was advised to file a complaint with CFPB.
Consumer complaint received 2019-11-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (PA)

My XXXX XXXX XXXX was totaled, contacted financial company Ally debit was paid by gap insurance and XXXX insurance. Ally is stating I owe a balance of XXXX to them because my loan was not paid due a push back loan arrange nothing was sent in the mail and also the insurance company paid the car off. Ally is stating payment is XXXX. Nothing was sent after full payment was received stating i owe a balance of XXXX after both insurances paid my car off and it was a balance my insurance would have not paid the car off until any owed balances where paid off this not accurate .I 'm disputing this matter this issue has been hindering my credit since 2017.
Consumer complaint received 2021-07-02
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. (NJ)

In XXXX of XXXX, I submitted a dispute with XXXX XXXX credit card regarding three late payments. In XXXX of XXXX, I began the process of homeownership and I was informed by my bank that I needed to remove my disputes. I contacted the credit bureaus on XX/XX/XXXX to have the dispute removed and it was removed but subsequently placed back on my credit report. I contacted the credit bureaus again on XX/XX/XXXX and the disputes were removed and appeared again. I contacted the credit bureaus on XX/XX/XXXX and they were removed and reappeared again. On XX/XX/XXXX, I contacted XXXX specifically and I was told that I needed to contact XXXX XXXX because they are the once that are reporting this dispute to them. I called XXXX XXXX and I was told that there is nothing that I can do, I have to wait for them to respond to my request to have the disputes removed that I submitted on XX/XX/XXXX. I asked the outcome of my dispute removal request on XX/XX/XXXX and they did not have an answer to give me. 
I believe that XXXX XXXX is behaving in a manner to punish consumers that dispute negatively reported items. I also believe that XXXX XXXX is in violation of protections offered to consumers by continuing to report this information as being in dispute that I have asked to be removed four months ago.
Consumer complaint received 2019-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

Everything concerning my account has been corrected with the exception of a {$65.00} late fee for which I am still being billed as of my payment due XX/XX/XXXX. This late fee was caused by PennyMac 's misapplication of my XX/XX/XXXX payment made in the amount of {$1600.00} to principal in the amount of {$850.00} and to escrow in the amount of {$780.00} instead of applying it to the regular payment due in the amount of {$1600.00}. 
However, PennyMac has since corrected this misapplication but has neglected to delete the late fee that was erroneously charged. It is requested that this late fee be deleted.
Consumer complaint received 2018-02-15
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)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (NJ)

I have had Wellsfargo send me notices that I would ne reimbursed for the fraudulent activity that was on my credit card account in which I only received {$900.00} and some change. The total that was stolen from me was {$6000.00} and some change. I am not sure how long this usually takes but this is messing up my perfect credit, and all of these late fees are adding up. 

Remind you I only received {$900.00} and some change towards this outstanding balance.
Consumer complaint received 2021-11-11
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. (OK)

I monitor my credit reports through my XXXX XXXX card which provides me my credit score, and XXXX XXXX. 

I was notified that a new account from XXXX XXXX XXXX XXXX XXXX  XXXX via email from XXXX XXXX on XX/XX/XXXX. I didn't recognize the account, an initially thought it could be related to my new XXXX XXXX account which I opened just a couple of weeks earlier and had yet to appear on my XXXX report. 

However upon looking up XXXX XXXX - XXXX XXXX  on XXXX, I found that it was most likely a credit card from the company XXXX. I didn't understand what this was, I do not do business with XXXX or own any of their products. It was also a very low limit card ( {$1000.00} ) which didn't make sense to me because I have over {$10000.00} in credit limit through XXXX XXXX and XXXX. 

I filed a dispute with XXXX and later with Equifax regarding this account, and put a fraud hold on my credit score to stop new accounts from being opened. I don't have an identity theft service like XXXX so I don't know what to do other than dispute the information with the credit reporting agencies and hope new accounts aren't opened.
Consumer complaint received 2023-03-11
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (CA)

Right path servicing said I do not have the same rights as a borrower. A successor in interest can not sign a Covid agreement. They received a inflight Covid agreement from my prior Morgage company but they do not have to honor it. They know about 12C.F.R. 1024.31 but that is just some rights not the same rights as the original borrower. I can not make electronic withdrawal payments.
Consumer complaint received 2019-10-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (NM)

I had filed a dispute on a charge that was made to a merchant on XXXX to my NetSpend card after doing so XXXX resolved the issue and refunded my money through PayPal which has my refund now due to the fact I diputed the charge to my credit card company I can't receive a refund and net spend won't drop the dispute I filled on my request that it's been taken care of and is hold the dispute for thirty more days I want it dropped now I am told there's nothing I can do but what really I did it now can't reverse it and there dispute department has no contact info to talk to them it all a bigness that's now held up a large sum of money my that I need thank you
Consumer complaint received 2021-11-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST NATIONAL BANK OF OMAHA (IL)

I signed up for a new checking account after being referred to a promotion being offered by XXXX. The bank was offering a {$250.00} sign-up bonus after completing some qualifying activities. I completed those requirements but received no bonus. Customer service tells me this was only meant for residents of Kansas. However, at no point on the sign-up page did it mention that this promotion was only for residents of Kansas. I also have anecdotal evidence of a personal friend who received this bonus while a resident of Colorado. I believe this promotion was misleading or mislabeled and either way, should be rewarded.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

I have tried to open bank accounts and obtain credit from several different creditors and have been informed that I have an Equifax credit freeze. When I check my Equifax account online there is no credit freeze listed on my credit report. When I call in to verify that there is no freeze they ask me to authenticate my account by uploading my drivers license and taking a selfie, after doing that they tell me that my account is not authenticated, and that I have to mail in my documents. After mailing my documents, they tell me that I don't have a credit freeze. But several different vendors have confirmed with me that Equifax has a credit freeze on my account. This has happened as late as XX/XX/2023. Equifax is either taking retaliatory action against me for participating in the Breach settlement or performing discrimination tactics against me. I want this issue resolved as soon as possible. I want the credit freeze removed permanently from my account.
Consumer complaint received 2022-05-01
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Accounts : EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -US Dept of EDU XXXX... XXXX -US Dept of EDU XXXX XXXX -Dept of EDU/XXXX  # XXXX XXXX -Dept of EDU/XXXX  # ... XXXX XXXX XXXX XXXXXXXX XXXX XXXX # ... XXXX XXXX XXXX XXXX XXXX XXXXUS Dept of EDU XXXX ... XXXX -US Dept of EDU # ... XXXX -Dept of EDUXXXX # ... XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX # ... XXXX XXXX XXXX XXXX # ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX -US Dept of EDU # ... XXXX -Dept of EDUXXXX XXXX ... XXXX -Dept of EDU/XXXX # ... XXXX -Dept of EDU/XXXX  XXXX XXXX XXXX -Dept of EDU/XXXX  # XXXX XXXX XXXX XXXX # ... XXXX 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 In addition, I have usage of less than 30 % of the following accounts total credit and XXXX is not reporting on some of my credit card accounts ( 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 which is the amount required to keep my credit in good standing and raise my credit, and yet, these reporting companies keep deducting from my credit points unwarranted. I spoke with XXXX XXXX XXXX, for example, and they inquired for a while in their system of why this was happening with the credit reporting agencies and they advised to reach out to them, because on their end it shows that I am correct about this account. Same with the other credit cards I use. 

Moreover, I have never been known as XXXX XXXX and I don't have a middle Initial. That is incorrect.
Consumer complaint received 2022-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX  XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2017-02-20
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: DriveTime (NV)

I purchased a car from DriveTime now XXXX in XX/XX/XXXX. The car history that was giving to me showed no history of the car being in any accidents prior to me leasing the car. In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I lost my job and was searching for work. I stayed in contact with DriveTime of my situation and they helped me to get my payments deferred payments to the end of my loan. In XX/XX/XXXX and XX/XX/XXXX I fell on hard times as well and contacted DriveTime now XXXX of the situation I was having with making my car payments. They once again were able to get my payments deferred to the end of my loan. Stating that the late payments would n't show on my credit report. As of today I have on my credit report both from XX/XX/XXXX and XX/XX/XXXX showing on my credit report which dropped my score down majorly. Just recently my car broke down and I no idea on the reason why because my car was in job shape and taking car of very well. When the car was sent to a dealership to get checked out they pulled my car history and it showed XXXX accidents that were not on my original car history report. When I contacted XXXX of what happened I got the run around and they wanted me to send copies of my bills that were spent due the repair of my car. They told me there was nothing that could do to the time of me having the car. When I told them about the false car history report that was giving to me the did n't acknowledge my complaint. Also when asked about my credit report being affected from misleading or false information they told me again there was nothing that could to me and that they would not remove or do anything with both situations I have had with them.
Consumer complaint received 2018-02-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Northland Group Inc (NJ)

XXXX XXXX XXXX. They call me and my mother several times a day. And I have reason to believe that one of their representatives may have called my job yesterday looking for me. My supervisor answered and told me that it was a woman looking for me and said that it was " personal. '' She did not leave a name or a means of contacting her back. I checked with my family and it was none of them. By the time I went to answer the call, she had hung up. None of my other creditors have called for me at work before. But XXXX XXXX sent my debt to this XXXX XXXX and now I've received a call at work? I am suspicious that they were the ones who called me yesterday as no one else ( personal or business ) would have called my job looking for me when they have my cell phone number. I am issuing this complaint in the hopes that no more calls be sent to my place of work.