davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

On the XX/XX/XXXX, I attempted to withdraw {$990.00} at a ATM machine and received a " Decline '' error message. I immediately attempted to use the second ATM machine beside the one that gave the " Declined '' message because I knew I had enough money in my account to cover the requested amount, but received a " Temporary out of order message from the second machine. No money came out of either ATM machines. However, when I checked my account balance, USAA deducted {$1000.00} on each ATM unsuccessful request ( XXXX twice ). I called USAA on the XX/XX/XXXX and informed USAA of their mistake. I told them no money was received and filed an ATM dispute. Since then, I have contacted USAA more than 20 times without resolution. 
On the XX/XX/XXXX, I received an email from USAA informing me that one of the transaction was reversed and that the amount of {$1000.00} was placed back into my account and that they regard the issue closed. My issue is that there was two deduction of {$1000.00} taken out of my account. The reverse amount does not reflect on my account balance. What USAA did was to give a credit of {$1000.00} pending the conclusion of my dispute. I need my money {$1000.00} x 2 back into my account. 
Solution : I need both amount of {$1000.00} put back into my account.
Consumer complaint received 2023-01-12
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries from XXXX XXXX are not mines I never filled any application out or gave anybody my information to do so Also inquiries XXXX XXXX XXXX XXXX XXXX XXXX I never filled out any app or gave them permission to pull my information I never applied for anything with them
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

On XX/XX/2020, I spoke with XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX in reference to a collection account that appeared on my credit reports. In exchange for paying the account in full ( {$200.00} ), she agreed to provide in writing, confirmation of payment and deletion from all credit reporting agencies. On XX/XX/2020, an update was applied to the account but did not reflect the written agreement of deletion. After allowing for the 45 day waiting period for it to be removed, I called again on XX/XX/2020 & spoke to XXXX XXXX. He restated the 45 day deletion period & I informed him that time had elapsed & it had actually been 70 days since payment was made. There was no other explanation & as of XX/XX/2020, the account is still reporting. 

Disclaimer : The name on the account reflects previous name.
Consumer complaint received 2018-02-07
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: Experian Information Solutions Inc. (WA)

I am attempting to get my Experian annual free credit report, however every time I enter my information I get a response of : " A condition exists that prevents Experian from being able to accept your request at this time. 
To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX XXXX form. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, GA XXXX '' This error comes up immediately after I enter my personal information before I am asked the verification questions.
Consumer complaint received 2021-05-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

I took a 6month covid relieve ending the forbearance in XX/XX/2020 at my request. I signed the necessary document for the repayment of the outstanding balance in XXXX wellsfargo withdrew that document saying they made an error and came up with another value that's higher than the previously signed document. I asked for the details of their calculation but they wouldn't give it to me. I've asked for document about my original payment schedule repeatedly and they've ignore them. Every time they call me or I call in they keep on saying they're investigating. Yet I'm reported as late. Before signing the last document i asked them to give me a breakdown as to what i'm signing but they said they will send it afterwards they made me sign a document with that any details. I was repeatedly told that once i sign the document i will be current only to be told i'm 1 month late after signing the document. how can i be late when i've paid every month since i ended the forbearance. 
I need help getting my original payment schedule from wellsfargo before the forbearance and how the forbearance affects my payment schedule going forward. I also need to know how much of the payments have been applied to the interest and principals to date. I really need to know where my payments going.
Consumer complaint received 2019-11-13
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: Early Warning Services, LLC (FL)

Im a victim of identity theft and fraudulent accounts have been opened in my name .Early Warnings is still reporting information about me that is false from checking accounts that were open fraudulently. A XXXX Checking account was opened in the year of 2014. A XXXX XXXX XXXX checking account as well.
Consumer complaint received 2018-02-06
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (NY)

Santander USA is the worst company in the world. I have been forced to pay a car I never drove. I went to a XXXX dealer to finance a car and asked them for a black. After signed papers work they delivered a red car. I called santander and they told me they couldn't do anything to return the car to the dealer but they could take the car and sell it for me and pay it off. We agreed that it was not gon na affect my credit. After they picked up the car they started reporting charge off on my credit. And when they picked up the car they asked me to not make any payment before they sell it. 3 month later I received a letter stating they sold the car for less than the value and I had to pay the difference that was {$10000.00}. We agreed i had to pay {$5000.00} and they was gon na keep my {$3500.00} down payment, my wareanty refund and my gap insurance refund. Everything together was more than {$10000.00}. 1st they broke our agrement, 2nd they messed up my credit and now they're reporting the account is paid for less than the amount own. 
I'm looking for to bring santander in court but don't know how. To everyone, if a dealer try to give you a car loan through santander be careful because you will be disappointed at the end. The worst bank ever
Consumer complaint received 2021-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There is a bankruptcy on my report that is incorrect please remove. This item is not mine please send verification or remove. Ive requested legal correspondence and have received none. Please remove.
Consumer complaint received 2020-12-04
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: CBC Companies, Inc. (CT)

XXXX XXXX there is two inquiries, XXXX XXXX inquiry, and XX/XX/2020 inquiry, XX/XX/2020 is also a inquiry I have no knowledge of doing. This was done without my knowledge and without my permission.
Consumer complaint received 2018-02-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rickart Collection Systems, Inc. (DE)

Rickart Collection System placed this debt of {$5100.00} on my credit report on XX/XX/2016. I have never opened an account with this company, nor XXXX XXXX. I have been applying for apartments for me and my soon to be born first child and by this appearing on my credit report I have been constantly denied. Someone must have used my name and created an account of their own because I have never had an account with this company, because this is the first time I have been on my own seeking for a place to stay.
Consumer complaint received 2022-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

I opened an account with XXXX, which is partnered in some way with Fifth Third Bank. XXXX  is a scam. They hold your money hostage with no way to access your money. XXXX  will do nothing to help. Fifth Third plays a role in this. It makes no sense that this is allowed to go on. Somone needs to require a back to make funds available.
Consumer complaint received 2018-02-06
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (AZ)

We have sold our primary residence moved across the country, and are now in the process of trying to buy another home, but we have an incorrect reporting of 90 days in default on a mortgage made by Citi Mortgage. Citi Mortgage is reporting we were 90 days in default on a mortgage we had already paid in its entirety. We were paying off a mortgage a few months early on our second home, a property we now own out right. 

We mailed a check for {$16000.00} on XX/XX/2017 to pay off the mortgage. We received a letter from them on XX/XX/2017 saying we were paid in full as long as the funds weren't returned. In XX/XX/XXXX the said they the check was returned, we contacted Citibank N.A., whom assured us Citi Mortgage has the funds and on XX/XX/2017 sent us a copy of the cleared check. We sent this Citibank N.A. cleared check copy to Citi Mortgage, followed up with a call and they said they had our funds and they were being used to close the account. 

On XX/XX/2017 Citi Mortgage sent us a letter stating our account was in default. I called and got no where, they only wanted me to make loan payments. Fortunately they also sent a letter saying if we were a service member we could get some assistance, so we called and the service member assistance person got on the phone call with us, and that made all the difference in the world. Citi Mortgage said that they had our funds, and have had received them XX/XX/XXXX. 

Also after that XX/XX/XXXX letter we started receiving daily phone calls threatening us with ruining our credit if we didn't pay on that loan. They would transfer our phone call, Someone from Mortgage would say they knew the loan was paid off and they would correct it. In the end they apologized, stopped the threatening phone calls and assured us there would be no reporting of late payments or loan defaults because they had our payoff funds the whole time. 

On XX/XX/2017 almost a year after they first acknowledged they had received a loan payoff, they sent us a check refunding late fees they had assessed for late payments, with an apology for their error.
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file. 

Please take notice that I am updating my personal information with all XXXX major credit reporting agencies as described in 1681a ( p ) to ensure that I am protected as a consumer. Therefore, I have enclosed proof of current residence, social security number, and a copy of my identification card. Please update my information accordingly. Any of the following personal information ( any name variations, social security number variations or date of birth variations ) that differs from the information listed below I hereby request its removal.
Consumer complaint received 2020-12-04
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)

Please refer to FTC Report # XXXX Identity Theft regarding Covid19 Unemployment Compensation. 
On XX/XX/2020 I received alerts from Experian, XXXX, XXXX Card, and XXXX XXXX  regarding a hard credit check that had been process using my name and social security number. 
While reviewing my XXXX Credit Report I found an wrong address under my name. The fraud account was placed under : XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ. XXXX. A fraudulent telephone number using my name was also on the report. Number XXXX. XXXX said that the fraudulent address belong to a company called XXXX XXXX. 
While reviewing my Experian Credit Report the fraudulent telephone number also appeared in the report under my legal name. XXXX. 
The fraudulent credit card was from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX and also from XXXX XXXX/XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, UT, XXXX Telephone XXXX. 
I telephone XXXX XXXX XXXX Fraud line at XXXX and reported the Fraud. They told me that the credit card was not issued.
Consumer complaint received 2020-07-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

In review of my credit file, I noticed a collection debt in the amount of {$830.00}. I have attempted to contact the company through certified mail on XX/XX/20 in order for them to validate the debt but has not received a response.
Consumer complaint received 2021-11-08
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: LEXISNEXIS (OH)

I am XXXX XXXX XXXX and XXXX submitting this complaint myself and there is no third party involved. LexisNexis has gathered and is reporting false, inaccurate and fraudulent information on me as a consumer and has aided in the compromising of my financial reputation as well as causing emotional distress, defamation of character and other unseen injuries. LexisNexis has and is committing numerous violations of my consumer rights including but not limited to 15 USC 1681 ( a ) ( 1 ), 15 USC 1681a ( 4 ), 15 USC 1681b ( 2 ), 15 USC 1681c, 15 USC 1681e ( b ) and 15 USC 6801 ( a ) and many more which has been outlined in an Affidavit of Truth that has been mailed to them with a signed return receipt as proof of delivery. LexisNexis is a consumer reporting agency as defined by 15 USC 1681a ( f ). LexisNexis has been reporting false and fraudulently information they know is not true. I demanded in writing that LexisNexis stop reporting this false and fraudulent information and furnishing my report with this information. LexisNexis does not have my written instructions to furnish my consumer credit report. I have demanded that they remove all my information from their databases immediately. LexisNexis sent me an email on XXXX requesting additional information ( they did not even give me 24 hours to respond to the email before they sent a response to cfpb falsely stating that I hadnt responded to their attempts to contact me ), I responded with the requested information and have yet to hear back from them regarding my information being removed from their database like I demanded. I also informed LexisNexis that a sufficient response to my Affidavit of Truth was an affidavit with rebuttal, point for point anything else would constitute as a non-reasonable response and that not only does my unrebutted affidavit stand as truth in commerce but that I can and will file fault judgement in favor of me, the consumer and the necessary actions will be taken against LexisNexis and XXXX XXXX.
Consumer complaint received 2021-01-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (WA)

I sent a letter in XXXX and XXXX of XXXX asking the collection agency to verify my debts. They never responded to me. I get letters now at the end of XXXX from a law group asking me to pay a debt that is not mine.
Consumer complaint received 2022-04-29
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: Experian Information Solutions Inc. (NJ)

In accordance to the Fair Credit Reporting act. The list of accounts below has violated privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX  XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX 15 USC 1681 Section 602 ( A ) States I have right to privacy. It also states the consumer reporting agencies can not furnish an account without my written consent. In section 604 section 2 15 USC 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 more than seven years.

15 USC 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 2021-05-05
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. (GA)

On XX/XX/XXXX I submitted a dispute to Equifax to remove an mortgage account that was more than XXXX XXXX XXXX. Equifax results were " We verified that this item belongs to you. This account has been updated. Additional information has been provided from the original source regarding this item. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX, XXXX, IA XXXX Phone : ( XXXX ) XXXX '' On XX/XX/XXXX I submitted a dispute again to Equifax to have the same mortgage account removed. Equifax results were " We verified that this item belongs to you. This account has been updated. Additional information has been provided from the original source regarding this item. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX, XXXX, IA XXXX Phone : ( XXXX ) XXXX '' On XX/XX/XXXX I called Equifax to attempt to resolve the issue with the company however, I was told the lender reported the account active as XX/XX/XXXX and to contact the lender. I attempted to escalate my issue to supervisor/manager both time I was hung on and second time before the customer service rep disconnected the call she asked that I called back in a couple of hours because their system was down. I told her I would wait on hold until the system was working again but she disconnected the call. 

So I decided to attempt to reach out to the mortgage lender however, upon a XXXX I found that " XXXX XXXX XXXX XXXX was a residential mortgage loan originator and servicer based in XXXX, XXXX XXXX. As a result of its exposure to subprime lending during the subprime mortgage crisis, the company filed for bankruptcy protection in XXXX and underwent liquidation in XX/XX/XXXX. '' Equifax has violated Fair Credit Reporting Act ( FCRA ) by furnishing old information as new information and completely falsifying my dispute by stating the account was verified with a company that no longer exist. 

Additionally, I no longer can access the dispute results from XXXX it appears the company has deleted the dispute file within my account.
Consumer complaint received 2018-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (TN)

My mrtge principal balance was scheduled to reach 80 % of original value of the property onXX/XX/XXXX. On XX/XX/XXXX, I submitted a written request to have the PMI removed and received an email receipt confirmation. Appr a week later ( message left and I called back ) Roundpoint informed me that an appraisal was required and it would be {$750.00}. I told them that was a ridiculous fee, appraisals in our area range from $ XXXX- {$500.00}. I'd already researched the range. The lady informed me that she would submit a request to review the amount of the appraisal, someone would call me back. A few days later, I received another message ), I called back and was told that it was still being reviewed. Another week passed and I received a call from an appraiser who said that he was notified by my mortgage company that a request was submitted for him to perform the appraisal. When I asked what the fee was, since I hadn't heard back from the mortgage company, he said that he didn't know, that it was just assigned to him. I told him not to come until I had contacted the mortgage company again. For a third time, I contacted Roundpoint, I was told that the cost wouldn't change. I requested a supervisor contact, my PMI is {$54.00} a month, mortgage is scheduled to hit 78 % original loan value on XX/XX/XXXXand automatically terminate. Paying the PMI until then would only be {$760.00} ( {$700.00} deducting theXX/XX/XXXX payment that would be charged due to timing ). It would make no sense to pay {$750.00}. I was told that someone would call me back and was also told that the 78 % date for auto termination is not accurate, that it doesn't automatically terminate. I didn't receive a call, instead I received a letter datedXX/XX/XXXXthat they denied my request because they didn't receive an appraisal. I believe that Roundpoint set the cost of the appraisal themselves at a higher than market value to continue to get the insurance amount that they had planned on at origination.