davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-29
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (MT)

The following Bank allowed a family member to sign and obtain a loan with me as a cosigner. I did not approve nor have knowledge of this account nor would I have been able to qaulify for this loan. USAA allows consumers to get a loan over a cell phone and digitally sign without any other info being obtained. I have tried to fight this on my own with USAA but have been unsuccesful and after trying to find contact info as well I see that this is a regular occurance for USAA. They stick their customers with most FRAUD and tell them it is them and make them liable for fraudulent charges. THIS MUST STOP! 
You can not even get contact info a last name or a way to follow up with anyone, ever, at USAA this is the biggest scam ever!! My local banks would never treat me like this and USAA does it under the name of our service man. WHAT A JOKE!! 

USAA FED SVG BK - XXXX XXXX XX/XX/2018 from XXXX Other/misc. Banks XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2018-10-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XXXX XXXX is calling me non stop using various area codes XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Sometime theycall as a ptivate caller or unknown caller. they call2 timesin the morning, afternoon and evening up to XXXX at nightand saturday and sunday.. I sent a letter to capital one, along with the name of my bank and my account number showing that my income of social security was, indeed, under the protected status which my social security income could not be touched forant reason by any bill collector. this information should have been conveyedto XXXX when they sold them my account.. once again thank you for your help company address XXXX XXXX XXXX XXXX  va XXXX
Consumer complaint received 2018-12-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

On XX/XX/18 XX/XX/18 and XX/XX/18 i requested by certified mail a validation of debt with a contract bearing my signature and stating who owns the debt from all 3 credit bureau and XXXX XXXX /Resurgent Capitol which is a collection agency. They continuously saying its verified but refused to produce the contract. Also I have no knowledge of this debt or the debt collector who claims I owe XXXX which shows several different amounts on some of my credit reports. I'm requesting that this debt be deleted from my credit report if the contract can not be produced bearing my signature.This is ( 1 ) Defamation ( 2 ) Negligent Enablement of Identity Fraud ( 3 ) Violations of the Fair Credit Report Act.
Consumer complaint received 2018-07-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC (OH)

I received a call from Pacific Financial recently asking if I've gotten my annual escrow statement, which I hadn't. I went on line and obtained a copy. Pacific Union wants to increase my Monthly payment by 19.2 % My current payment is {$920.00} and they now want to bill me {$1100.00} which is an additional {$180.00}. This change was to correct their error in obtaining the correct escrow for my taxes. I provided them my annual taxes in XXXX. The escrow amount necessary to cover my taxes and insurance only increased by {$63.00} previous amount was {$270.00} and it is now {$340.00}. They are requiring an additional {$110.00} a month to make up their shortfall and to maintain a 2 month balance. 
I called Pacific Financial On Friday to cancel my escrow account and was advised I would need to submit in writing, which did. The came back and stated my request was denied due to their policy and shareholder direction. The Department of Veterans Affairs does not, nor should my loan be obligated to maintain an escrow account for taxes and insurance with the lender. Additionally, I am not a financial risk, I have over 20 % in equity in this home and have not missed a payment or been late? 
I requested that a manager from Pacific Union call me to discuss, but they have not replied to my request. I would appreciate your assistance in this matter I will be filing a complaint with the Department of Veterans Affairs , National Association of Realtors- ( current member ) and investigating obtaining legal representation. 
Thanks, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2021-09-07
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. (TX)

I placed a freeze on my credit report 1 year ago due to identify theft I have not applied for any new credit however my transunion credit report has several new inquires in the last year. I did not authorize any of these inquiries.
Consumer complaint received 2021-06-23
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. (GA)

Transunion has committed fraud by putting inquiries on my credit report without my consent. Which is a violation of my rights pursuant to the FCRA ( Fair Credit Reporting Act ) namely 15 USC 1681 and multiple violations pursuant to the FDCPA. These fraudulent reports have damaged my reputation and caused pain and suffering due to the inquiries causing my credit score to drop which in turn affects my livelihood. These " XXXX  XXXX  '', " XXXX XXXX '', " XXXX/XXXX  '', " XXXX XXXX '', and " XXXX XXXX '' inquiries should be removed from my report immediately.
Consumer complaint received 2020-07-15
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (CA)

A complaint was filed on XX/XX/2020, regarding information being reported incorrectly on my credit report. On XX/XX/2020 Ally Financial responded that the charge off would be removed in which it was. However on XX/XX/2020 Ally Financial updated the account again as a charge off and increased the balance by {$640.00}. I reached out today to Ally Financial and spoke with XXXX and was told I dont know why and she would not have an answer until next week. This is unacceptable as Ally Financial is severely impacting my credit and possibly my employment due to their negligence and continued errors. This has been an ongoing issue since XX/XX/2020 and we are now in XX/XX/2020.
Consumer complaint received 2016-07-31
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (MA)

Recently I closed a citi bank credit card. It was opened for me when XXXX changed from XXXX to Citi Bank. Upon closing the card the Citi representative told me I would forfeit my reward dollars. This does not seem right. My rewards $ 's was small, but I 'm sure some people lost large dollars and in the aggregate it represents a windfall profit for Citi Bank.
Consumer complaint received 2023-04-08
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. (TX)

When I reviewed my updated credit report in XXXX XXXX I see that the same account was erroneous. The 3 credit Bureaus are required to validate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as an unverified account without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$20000.00}
Consumer complaint received 2021-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

Payments have been repeatedly misapplied to interest only. This has occurred with our current mortgage servicer, Shellpoint Mortgage Servicing, and Shellpoint advised us that this procedure had been ongoing with previous mortgage servicers. We sent a certified letter bringing this issue to Shellpoint 's attention with no response. We've repeatedly contacted them by telephone with no response. They said they would perform a payment audit of which we never received results. This is a thirty year mortgage, beginning balance of {$78000.00}. After twenty years, the mortgage still maintains a balance of {$69000.00},
Consumer complaint received 2018-07-29
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. (AZ)

on my credit report it says that i opened 2 credit cards in XX/XX/XXXXand never paid them, also in XX/XX/XXXX that i recieved a home loan and a car loan that i also never paid on. At each time i was XXXX  in the XXXX XXXX XXXX XXXXXXXX, which is a matter of public record, obvious fraud. I've disputed these accounts with XXXX, XXXX XXXX, and several times with experian in order to have them removed completely from my credit report ; not just closed, because its obviously fraud. experian has just flat out refused to do this. im trying to put my life together and have been very successful so far. due to experian 's reporting these fraudulent charges, i have not been able to get approval for credit or a car loan. i dont know what else to do, they even at one tried to charge to have them removed from my record which i understand is racketeering by definition.
Consumer complaint received 2021-03-03
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Bank of America issued a debit card with the master card logo to accept my Nevada Unemployment weekly funds. On XX/XX/2020 an unauthorized transaction for {$270.00} was taken from that account at a branch I had never visited. I called Bank of America as soon as I discovered it and reported the unauthorized withdrawal. On XX/XX/2020 I received a letter regarding acct ending XXXX had suspicious or fraudulent activity and they sent me another card to use to accept my unemployment benefits .I called back and asked about the {$270.00} and they said they would take another look, pull some films. 
The new card ( without telling me was closed ) and has been since early XX/XX/2020. 
I have called many times and refuse to re-open my new account ending in XXXX or refund my {$270.00} I have not received my unemployment benefits for over 3 months because Bank of America will not re-open my account. Nevada Unemployment ( XXXX ) has paid my benefits weekly and confirmed my ID. Please Help Me Thank You.
Consumer complaint received 2017-08-02
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. (NC)

I contacted the debtors in XXXX 2017 and confirmed with the IRS, XXXX XXXX, and XXXX XXXX that none of those lines of credit and lien is mine. Then in XXXX 2017 I disputed them all in XX/XX/XXXX with all three bureaus but the bureaus did not remove them within my dispute request. I am filing a complaints against the bureaus for not investigating these debts properly as fraud. Please, help me resolve this matter so that these debts are removed from my credit reports.
Consumer complaint received 2020-01-27
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

I am concerned that the credit bureau is not correctly sharing my credit information. My credit score is excellent yet I am being offered exorbitant interests on loans, credit cards, and credit card offers. I recently again checked my credit report and one of my accounts transferred from XXXX XXXX  to XXXX XXXX XXXX  continues to show as closed on my credit report and not removed from my credit report. The credit bureaus can not explain to me why I am being offered such high interest rates with my excellent credit. 

Also, I have filed for reimbursement for my XXXX XXXX credit information being hacked and after several months of waiting, I have not yet received a response nor reimbursement as required by law.
Consumer complaint received 2018-07-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (LA)

In XX/XX/XXXX, my husband and I filed for Chapter XXXX bankruptcy. We were discharged from the plan in XX/XX/XXXX. At that time, the trustee sent us a refund for over payment. Included in that refund was all money paid to Sallie Mae ( now Navient ) about {$6700.00}. In XX/XX/XXXX, I received notification that I needed to start making payments to Navient for the student loan. I have continued to pay on the loan since XX/XX/XXXX. 

I don't understand why Sallie Mae refunded the {$6700.00} when the loan had been paid off through the bankruptcy. I believe that since we had paid off the loan in the bankruptcy, I should not have to repay the money again.
Consumer complaint received 2018-03-07
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (GA)

I submitted a compliant through the CFPB to Navy Federal credit union back in XX/XX/XXXX.Navy Federal credit union indicated that they are still working on my case. I was a victim of Forgery of 2nd degree violation title 11 section 861 of Delaware code of XXXX and theft of more than 50,000 in violations of title 11 section 841 of the Delaware code of XXXX. The Delaware State Attorney General office convicted XXXX XXXX XXXX defendent of the charges listed above in XX/XX/XXXX. And I am still being held liable for a loan that I never authorized to be established in my name. Case name and number for your references are as follows : State of Delaware Vs XXXX XXXX Id. XXXX.
Consumer complaint received 2023-04-10
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. (CA)

I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of Identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commissions Identity Theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-05-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (SC)

On XX/XX/22 I went to purchase a car and pay for it in full. When I went to transfer the funds, {$5000.00}, to my checking account from my savings account, I discovered my accounts were locked. The bank didnt immediately release my accounts after I confirmed my identity. I bank through Ally Financial. They eventually unlocked my accounts but this forced me to finance my car instead of purchasing outright. 

On XX/XX/22 I deposited {$10000.00} from my XXXX account where I have my paycheck deposited from work to my Savings account. Again, my account was locked but they unlocked it soon after my identity was established and the transaction was validated. On the same day, I decided I wanted to purchase two vehicles for my significant other and I. Prior to transferring money, I contacted my bank and informed them of my intentions. They refused to transfer the funds for me over the phone immediately. I answered every security question, provided my full name, date of birth, social security number, and called from the phone number on file. I also requested a call back after they spoke to a supervisor to determine what the course of action would be. When I didnt get a call back, I requested another call from the bank through the automated system and was told it would be approximately 45 minutes. I scheduled the second call back over an hour and a half before closing time. I never received a call back. 

On XX/XX/22, I attempted to transfer the funds, {$160000.00}, from savings to my checking account and my accounts were frozen. On XX/XX/22 I contacted the bank AGAIN. I was told that the amount was too large to be transferred and they could only transfer {$50000.00} for one transaction. This was not disclosed to me on XX/XX/22. They also did not unlock my accounts and I have been waiting over 30 minutes for a supervisor to talk to me about my issues. 

Additionally, anytime I transfer money from XXXX, XXXX, or XXXX into my checking account, the funds are not available in my checking account until after XXXX hours.
Consumer complaint received 2019-03-20
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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

Bayview Loan is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX  and XXXX  and XXXX but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. 

XXXXn and XXXX are reporting a monthly payment of {$1900.00} and XXXX is reporting {$0.00}. XXXX is reporting the date opened as XX/XX/XXXX and XXXX and XXXX are reporting XX/XX/XXXX. XXXX and XXXX  are reporting the last reported date as XX/XX/XXXX and XXXX  is reporting XX/XX/XXXX. XXXX is reporting date last active as XX/XX/XXXX XXXX is reporting XXXXand XXXX is reporting it as XX/XX/XXXX. ALso XXXX and XXXX  are reporting it as 120 days late but XXXX is reporting payment status unknown. There are so many obvious FCRA violations
Consumer complaint received 2018-02-16
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Eagle Recovery Associates, Inc. (IA)

On Friday, XX/XX/XXXX at XXXX I received a phone call from Kateena with Eagle Recovery Associates on my work cell phone ( XXXX ) XXXX. I explained to XXXX she had reached me on my work cell phone and asked that she not contact me at that number again. She then asked for another phone number. I advised her that I do not have a land line and did not wish to be contacted on my personal cell phone number either. I verified my address and asked her to send me information regarding this debt in the mail. XXXX then threatened to contact my employer and told me she would mark me file as refusal to pay. I have not received anything in writing regarding this debt. I called Eagle Recovery back on Friday, XX/XX/XXXX at XXXX and asked for the name of the representative I spoke to this morning because I wanted to file a complaint. The representative put me on hold to get a manager, " XXXX ''. I explained to XXXX what had transpired earlier that day and he told me a letter was sent on XX/XX/XXXX. I advised him I have yet to receive the letter and told him the representative had threatened me. He told me my account was not to the point of being referred and then proceeded to try to get me to give him another number they could call. When I told him I didn't have a number, he said I was asking for a Cease and Desist. I told XXXX I was not asking for a Cease and Desist, I just want some information in writing. When XXXX started to advise me on how best to open my mail, I ended the call.
Consumer complaint received 2021-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I HAVE UNATHORIZED ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT ACCORDING TO THE FCRA ANY AND ALL UNATHORIZED ITEMS ON MY REPORT MUS BE REMOVED IF NOT 100 % ACCURATE AND VERIFIABLE PLEASE REMOVE ALL FROM MY CREDI T REPORT
Consumer complaint received 2022-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (TX)

I noticed four charges : XX/XX/22 EXXXX  {$800.00} XX/XX/22 XXXX XXXX {$560.00} XX/XX/22 XXXX XXXX {$510.00} XX/XX/22 XXXX XXXX {$490.00} XXXX didn't recognize and I didn't make. I immediately notified my bank, Current, and they said it looked like someone had made the charge using my debit card numbers. They helped me file a dispute and said the funds would be back in my account within 10 days, as panicked I let them know that was a lot of money to me. I also informed them I'd been a victim of bad identity theft and had gotten multiple alerts recently. I never received my funds back, instead all I got was an email on XX/XX/22 saying no error occurred and no credit would be issued. I was sickened they could come to this conclusion. They said I could request the documents or written explanation used in determining the final outcome of the investigation. I made this request immediately but never heard anything from Current. I want Current to put the funds from these four charges I didn't make back in my account immediately.
Consumer complaint received 2022-11-19
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. (FL)

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 PLEASE SEE LETTERS FOR REFERENCE