davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I'm XXXX and have had many home loans in my life. I have paid all of them off per the terms of my loans. I have one left, and that is my home equity loan with USAA who was servicing it in-house until recently when the transferred it to a disreputable company known as XXXX ( XXXX XXXX XXXX ). This company has been sued numerous times including by 3 states. 

I called USAA and asked them to audit my account because of the improprieties I was seeing with the balances. It appears that XXXX has begun calculating my interest daily which is not consistent with the terms of my loan. My loan is a 365/365 loan with interest of 6.34 %. They should be using the EXACT DAYS method of interest calculation, instead of DAILY interest. 

I have never taken out a loan that did not follow a standard amortization schedule of declining interest payments and increasing principal payments. I have requested the amortization schedule they are using, but have received nothing. 

Could you please assist me in getting resolution of this issue? I am very uncomfortable with the company USAA has chosen and not sure what is happening to the company with which I have placed 40 years of trust. Thank you.
Consumer complaint received 2018-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX I discovered a fraudulent account had been opened in my name which resulted in a collection account being posted on my credit report by a company name XXXX XXXX XXXX XXXX in the outrageous amount of {$450000.00} dollars. Just recently the balance skyrocketed from {$450000.00} to {>= $1,000,000}. I contacted several contacts within the collection agency, the original creditor posted on the account as well as the three major credit reporting agencies. I followed the steps laid out by the fax, sent debt validation letters certified mail, sent in the police report showing the identity theft etc. Long story short XXXX  deleted the item, Equifax and XXXX   have not, as well as they won't send me any documentation showing me how they linked this account to my report. On XX/XX/XXXX Equifax deleted the account, but re-inserted it on XX/XX/XXXX with no documentation showcasing the reason for reinsertion.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items 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 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 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 2018-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I subscribe to equifax - so that I can monitor my report and scores. On XX/XX/XXXX I checked my report and my score was XXXX. This was great all my efforts were paying off. I then checked it again XX/XX/XXXX and it was XXXX. I didn't understand so I went into the dashboard to try to find out why. It said that it was due to additional credit item I had opened. I had not added anything. I disputed this but now as of XX/XX/XXXX I still have not heard a response as to why this happened. I had other items on the dispute that were addressed.
Consumer complaint received 2017-11-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (TX)

On XXXX XXXX, 2017, I paid my account to XXXX for Capital Accounts LLC. Capital Accounts is a debt collection company. I called to advised them of my final payment and was told that they received my payment and my credit report will be updated in 30 days. After 30 days I noticed that the payment on my credit report increased to {$170.00}. I called again to see why my credit was showing a balance when I have paid the account in full. The representative assured me that my credit would be updated in the next 30 days. I waited another 30 days and my credit still shows that I have owe {$170.00}. I then sent an email on XXXX XXXX to Capital Accounts advising them that the information on my credit report is incorrect and to please update my credit showing that I have paid off my account. I have yet to hear back from anyone and my credit still shows that I owe {$170.00}.
Consumer complaint received 2018-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

I wish to file a complaint against Freedom Mortgage Company. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, NJ XXXX United States Lender NMLS ID : XXXX The companys handling of my simple request for a payoff of my deceased mothers mortgage has been despicable. I have provided the company with the documentation requested including death certificate and letters testamentary showing me as the legal and only executor of my mothers estate. It feels very much as though, for some reason, the company is stalling. Interest is, of course, accruing as this process drags on. Their total and complete lack of compassion is astounding, nay repugnant. I have spoken with no fewer than five of their employees including a supervisor and I still have received no information regarding the payoff amount. I actually spoke to one Freedom Mortgage representative who told me that, DESPITE THE FACT THAT SHE WAS AT THAT MOMENT IN POSSESSION OF AND PHYSICALLY VIEWING ALL OF THE REQUIRED DOCUMENTS, my request for a payoff amount of the loan would have to go to yet another department. The company has caused us to miss the closing date of XX/XX/XXXX and now threatens to cause us to miss the new scheduled closing date of XX/XX/XXXX. 

I appreciate any assistance you may be able to provide.
Consumer complaint received 2018-03-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

ON XX/XX/2018 I CONTACTED BANKER XXXX XXXX AT CHASE BANK IN XXXX, NY TO LOCK IN MY INTEREST RATE. AFTER A LENGTHY DISCUSSION, I WAS INFOMED THAT CHASE WOULD BE LOCKING IN MY RATE WITH NO POINTS. THE BANKER REQUESTED THAT I SEND HIM AN EMAIL AS CONFIRMATION THAT IM LOCKING IN THE RATE WITH NO POINTS AND I DID SO. I RECEIVED A LETTER FROM THE BANKER ON XX/XX/XXXX STATING THAT I HAVE LOCKED MY INTEREST RATES IN WITH POINTS. I ALSO WAS INFORMED AT THE BEGINNING OF THE LOAN PROCESS IN XX/XX/2018 THAT I WOULD NOT BE PAYING ANY POINTS AND WHEN I RECEIVED MY COMMITMENT LETTER ON XX/XX/2018 IT CLEARLY STATES THAT THE ESTIMATED POINTS ARE 0.00 %. I HAVE NOT BEEN ABLE TO REACH THE BANKER XXXX XXXX.
Consumer complaint received 2021-04-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Garrison Investment Group (TX)

On or about XX/XX/2019, I contracted with XXXX XXXX to build a deck. XXXX XXXX advised me that the deck would cost {$10000.00} and available financing through Foundation Finance. I requested an itemization from XXXX XXXX. but never received. The deck began falling apart. I advised Foundation Finance of the problems and also asked for the price of the deck. FF refused to provide this information. I tried several times to work this out with Foundation Finance who refused to assist and instead continued to request payment. Finally it became useless. 
I just discovered that the deck actually cost {$2500.00} instead of {$10000.00}. I believe FF was a part of this scam with the contractor as FF refused to look into this matter further. Due to this major scam and discrepancy, I am left paying for a deck that is only worth {$2500.00}. The finance charges will cost the loan to double which is certainly due to fraud.
Consumer complaint received 2018-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I went through the process on www.annualcreditreport.com and asked for 2 free annual credit reports : XXXX and Transunion. I got the XXXX report, but this is the 2nd time in 2 years I was unable to review my Transunion report. They ask questions that are not answerable : they asked under what name I have used for credit and the ones they suggested are incorrect and ... 

HOW CAN I KNOW WHAT INCORRECT NAMES THEY HAVE RECORDED FOR ME WITHOUT SEEING THEIR REPORT??? 

Also, every one of the 3 first questions they asked were " NO, does not apply to me ''. 

So I went of TRANSUNION web site to request it there, but on the 2nd step, they asked for a credit card number ( which by the way, they made no mention of price!! ). ALSO, they forced me to *not* use spaces in my own name on their web site ... which my name does have!!! That's not a technical limitation anywhere in 2018 except with a company that obviously is discriminating against non-Anglo people. 

Transunion is I believe FRAUDULENT. BTW, my credit score is above 800, so this is not about anything else than me wanting to review what they have in my credit file. From the problems I've experienced now TWICE over the years getting access to MY information, I suspect problems in the file.
Consumer complaint received 2024-01-09
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2022-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

On XX/XX/2022 Nationstar Mortgage XXXX d/b/a Mr. Cooper withdrew an additional {$1400.00} from my bank account after my loan was payed off and account closed. This was through an automatic payment that was supposed to be canceled automatically after the loan amount was payed in full on XX/XX/2022. I have called and emailed customer support for them to return my funds, but have yet to receive any money. Nationstar Mortgage XXXX has taken my money and won't tell me when or how they intend to return it.
Consumer complaint received 2022-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Group Inc. (KS)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2019-10-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (TX)

On XX/XX/2019, I began receiving debt collection calls from a company called Radius Global Solutions for credit card debt that is not mine. Per a conversation with the representative of Radius GlobaXXXX Solutions, the debt relates to a former employers credit card relationship with XXXX XXXX. Per Radius, there is a balance owed to XXXX XXXX. Upon hearing this, I reached out to XXXX XXXX, my former employer. On XX/XX/2019, the owner of XXXX XXXX sent me an email with an attached receipt showing payment to XXXX XXXX on XX/XX/2019. In the email, the owner of XXXX XXXX informed me that this payment to XXXX XXXX paid off the balance in full and that the account was closed upon making this final payment. Unfortunately, I still have been receiving numerous calls daily from Radius Global Solutions regarding an outstanding balance even though it appears the debt has been paid in full. Furthermore, and most importantly, I have not been employed by XXXX XXXX for over 6 months as of this complaint and have made no charges under an XXXX XXXX credit card since leaving the Company. I am asking that the harassing daily calls from Radius Global Solutions cease. I am not a party to any debt incurred by XXXX XXXX and should not be receiving calls from a debt collector for debt that is not mine. I am asking that these calls cease.
Consumer complaint received 2017-12-27
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CNG FINANCIAL CORPORATION (UT)

On XXXX XXXX at XXXX I returned a call to check and go regarding a debt of {$870.00}. As I was not sure if the call was legitimate, I requested to receive a document showing what was owed to the company. The woman insisted she was not able to do that and that I needed to set up a payment plan. I voiced concerns about giving that information when I had no proof of the debt I was owed.She again refused to send any documentation to my physical address.
Consumer complaint received 2018-03-25
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. (AL)

There have been several hard inquiries on my tranunion report. I contacted them to have them removed but they haven't.. I have frauds alert on my credit report so no inquiries should have been made without contesting me first. 2 times cycle nation has pulled my report.. one tone for XXXX XXXX XXXX. And one XXXX XXXX.
Consumer complaint received 2018-03-25
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CT)

Well starting XX/XX/18 Sps XXXX XXXX is increasing my interest rate on my mortgage from 6.750 % to 7.250 % so that increases my mortgage from XXXX XXXX to XXXX. I feel that's too high of a increase in my interest rate for my mortgage it seems like they're trying to really balloon my payment now and it's going to take me forever to pay off this mortgage loan they have silently increase my interest rate I don't think it's good for me or any consumer that has to pay more than their fair share are there mortgage I pay on time every month with no problem thanks. XXXX XXXX
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

I have been disputing these fraudently inquiries items on my Equifax report they did not remove them i have contacted the creditors also. 

XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVICES- EQUIFAX MORTGAGE SERVICES - , 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 EQUIFAX XXXX XXXX- EQUIFAX MORTGAGE SERVICES - 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION (PA)

I notified Navy federal  in earlyXX/XX/XXXXthat I was a victim of Identity theft. First starting with my sister filing taxes under my name and social to get a refund. I had an ftc and police report done then. I next was a victim of 2 data breaches one inXX/XX/XXXX and the XXXX breach in XXXX. When I notified them immediately that there was a problem with my account, they started an investigation, and sent me a letter telling me my card was closed and what I needed to provide. Which I did and this was about 2 years ago. They still didn't fix my account. The second time I marked every transaction that wasn't mine, for their review still nothing.. I stayed on top of this. I spoke to many people from customer service to fraud. I was not paying a balance I didn't owe. My account was closed in XX/XX/XXXX. But they still kept paying ebills, and charging more fees, When an account is closed nothing more should be happening with it. They made that mistake. They need to bring the account current, get it out of collections. and take it off of my credit report. It was due to the fraud the account was out of control and they wouldn't do anything to stop it, except make it worse. I am attaching all cases and their results. Every answer they have provided has not even sounded like they have tried to do anything, I will take this to the attorney general a second time. and the ftc again, they just allow Navy Federal to get away with this and it isn't fair, When it says they take this kind of thing seriously, I have no idea who they mean, because they are even willing to take money from their own soldiers which the CFPB did get them for. So it is obvious they don't care about their customers, just putting is in dept and leaving us there.
Consumer complaint received 2024-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MD)

Between the months of XX/XX/XXXX and XX/XX/XXXX, I have tried to contact Mohela about my student loan repayments and have never been able to get through to an individual after spending hours on the line each time. 

Mohela has provided false information to me about my account and in their correspondence with me, and has taken direct payments out of my account at erratic times in different amounts to amount stated in the letters they have sent me as correspondence or in the amounts they have listed under my account on their site. And now new letters are saying I have a much higher monthly payment than what I had worked out through the federal student aid save plan.
Consumer complaint received 2017-11-02
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Delta Management Associates, Inc. (CA)

a company by the name of Delta Management Associate InXXXX send a debt collection letter to my job stating that I owe {$60000.00} in student loans and the social security number they have on this letter as well as the address are wrong and I have never lived at XXXX XXXX XXXXXXXX XXXX XXXX IL, XXXX, the SS # they have on this letter is not mines either XXXX. My name is XXXX XXXX but again this is not my debt I have never lived in Illinois and I do not have this social security number I called the company at XXXX XXXX but the refuse to hear me out stating that I need to have my employer call them and my employer did n't give me the letter the letter was mailed to me at my job. This is not right and I want them to get this corrected immediately. I would appreciate you assisting me with this complaint. thanks. 

XXXX XXXX XXXX XXXX XXXX XXXX