davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Lazega & Johanson LLC (GA)

I AM REQUESTING A LIST OF ALL UPDATED PAYMENTS MADE TO THE DOWNS HOA SINCE XXXX. PLEASE NOTE A REQUEST WAS SENT TO THE LAWFIRM OF XXXX AND XXXX WHO COLLECTED THE YEARLY HOA FEE, PRIOR BUT, DID NOT TRANSFER THE PAYMENT ( S ) TO LAZEGA AND JOHANSON. ALSO, IT APPEARS THE REPRESENTING LEGAL COUNSEL, XXXX XXXX FILED TWO CLAIMS INTO MY SPOUSE 'S XXXX XXXX. 

I AM REQUESTING A PRINT OUT OF ALL DUES PAID BEGINNING XXXX TO CURRENT. ALL PAYMENTS ARE CURRENT HOWEVER, A COPY FROM THE ABOVE LAWFIRM IS REQUIRED. 

IN ADDITION, I HAVE ATTACHED THE INVALID SIGNATURE PAGES OF THE RESIDENTS OF THE DOWNS SUBDIVISION LOCATED IN XXXX GA. THIS REQUEST PERTAINS TO XXXX XXXX XXXX XXXX WHICH WAS ABANDONED BY THE XXXX TRUSTEE. THERE APPEARS TO BE A SOCIAL RELATIONSHIP AMONGST THE TRUSTEE AND REPRESENTING LEGAL COUNSEL. 

ATTACHED SIGNATURES WERE SUBMITTED AS SUPPORTING DOCUMENTATION FOR A NON-JUDICIAL FORECLOSURE IN THE YEAR OF XXXX. THIS LEGAL CLAIM WAS BASED ON STATED HOA DUES WERE LATE. PREVIOUS PAYMENTS TO XXXX AND XXXX XXXX SHOULD HAVE BEEN TRANSFERRED OVER TO THE NEW ATTENDING LAWFIRM. THIS WAS CONCERN WAS DOCUMENTED. THE INDIVIDUAL BY THE NAME OF XXXX XXXX WHO WAS AN EMPLOYEE OF XXXX AND XXXX WAS ALSO EMPLOYED BY XXXX AND XXXX WHO ARE BANKRUPTCY ATTORNEYS IN THE XXXX BRC NORTHERN GA. IT IS VERY OBVIOUS THE APPEARED CONNECTION. 

FURTHERMORE, SUBMITTED WITNESS SIGNATURES WERE SIGNED BY 3 TO 4 SAME INDIVIDUALS AND 2 TO 4 NOTARIES. A COUPLE DID NOT EVEN RESIDE IN XXXX XXXX PER THE GUIDELINES. IN ADDITION, THE NOTARY DID NOT PROVIDE THE A DATE PERTAINING TO THE WITNESSING OF THE WITNESS SIGNATURE. SO, IT IS VERY OBVIOUS RETAILIATION WAS TAKING PLACE AT THE TIME OF FILING WITHIN THE XXXX XXXX COURT FOR THE PURPOSE OF RETRIEVEING XXXX HLD. 
QUESTION : WHO STOLED THE PAYMENTS SUBMITTED TO XXXX AND XXXX? PLEASE REVIEW YOUR BILLING. YOU BILLED FOR HOA DUES FOR THE SAME YEAR XXXX AND XXXX RECEIVED PAYMENT. 

THE ASSIGNED LAWFIRM ATTEMPTED TO VIOLATE AN AUTOMATIC STAY WHICH IS AGAINST THE LAW. THIS WAS ANOTHER PLOT TO FORECLOSE ON XXXX HLD DUE TO THE KNOWN FRAUD ON THE HOME. AS A MATTER OF FACT THE PREVIOUS RESIDING NEIGHBORS LOCATED BEHIND XXXX HLD WAS SAID TO HAVE LOCATED TO FLORIDA BUT, THEY ARE CURRENTLY RESIDING IN A NEARBY CITY. 

THEY ARE THE INDIVIDUALS WHO SIGNED AS WITNESSES ON THE MAJORITY OF THE SIGNATURE PAGES. THERE IS NO WAY 2 TO 4 NOTARIES WITNESSED THE SIGNATURES OF THE WITNESSES. THIS IS A CRIME! IT'S VERYOBVIOUS THE SELECT RING OF INDIVIDUALS WHO WERE AND STILL ARE WORKING TOGETHER. 

BASED ON MY RESEARCH IT APPEARS THERE ARE HOMES LOCATED WITHIN THE DOWNS SUBDIVISION WHICH WERE FINANCED BY 1440 HLD VIA FRAUDULENT LOANS. APPROXIMATELY 18 TO 20 FRAUDULENT LOANS.
Consumer complaint received 2022-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (FL)

After 2 consecutive complaints about excessive overdraft fees that have been unlawfully charged to my account. Td bank still charging me a fees over the fees that overdrawn my account tremendously. Each time I called them I explained them that I wire the money before XXXX pm the same day and they keep treating me like a nobody and refuse to help me out. Im XXXX person with XXXX and XXXX XXXX XXXX and this situation put my health at risk. 
An amount of {$450.00} charged to my account in 2 days is so unlawful in regard of the consumer overdraft protection act that state to be charged 1 overdraft fees a months and 5 over the year. 
I never enrolled on any overdraft protection agreement with td bank.
Consumer complaint received 2023-09-30
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. (GA)

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.

Account Name : XXXX XXXX XXXX Account Number : XXXX**** has violated my rights. Or list of inquiries 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 2022-04-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AR Resources, Inc. (MI)

XXXX XXXX XXXX XXXX Date of service XXXX XXXX bill from XXXX XXXXXXXX XXXX XXXX {$380.00}, XXXX bill from XXXX XXXX XXXX XXXX  {$380.00}, XXXX I called XXXX, was told that XXXX XXXX XXXX XXXX had to billed incorrectly, XXXX sent them a letter, XXXX AR Resources notified credit agency of a collection account in the amount of {$380.00} and sent me a letter of collection, XXXX I received XXXX insurance letter showing a copy of letter sent to XXXX XXXX XXXX XXXX  regarding submission of bill for {$380.00}, XXXX I called XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  related that they would contact AR resources and pull the bill back from collection pending XXXX payment, XXXX I received explanation of benefits from XXXX showing they amount they paid and the amount that I owe to be {$32.00}, I never received an accurate bill from XXXX XXXX XXXX XXXX, I never received an accurate bill from AR Resources collection agency, XX/XX/2021 XXXX XXXX XXXX XXXX billing was acquired by XXXX XXXX billing services, XXXX I saw the collection account on XXXX, I contacted AR Resources and paid the {$32.00}, AR Resources stated that once the payment was made that the account would be removed from the credit bureaus, they stated that they do not have a pay to remove option but that they would remove the collection upon payment and that it would take from 30 45 days, XXXX I called XXXX XXXX  billing services and asked for assistance with removing the collection account from my credit report. They stated that they could not do anything to assist because they were not the originator of the bill, XXXX I called AR Resources, I was told that I would just have to wait the 30 45 days for the collection account to be removed from my credit report. I asked why I was never sent a correct billing. I was also told that they had adjusted the amount from {$380.00} to {$32.00} in XXXX of XXXX  and that I should have called them to find that out. I was also told that they sent me a letter on XXXX detailing the payment are removal of the collection. I have not yet received that letter, IF this account had EVEN been properly billed I would have paid it. I do not feel that I should be penalized due to the errors by the original billing company, the collection agency and the secondary billing company. 

AR Resources stated that all of our calls were being recorded so they will have verification of the statement that they would completely remove the collection account from my credit report and my correct credit score would be restored.
Consumer complaint received 2022-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CA)

misinformation that was given to me by American Express customer service. I had fraud activity on my checking account a day after I submitted payments to my Amex Platinum card. I was told I could not cancel the payments even though we knew it would het returned due to my checking account being frozen. I was assured that nothing would happen to my account and I would be able to make payments to my account today. I was denied reinstatement and i am very frustrated because this could have been prevented if I was provided the right information.
Consumer complaint received 2024-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I defeated some charges that were valid and I made sure that I personally checked into each one before I submitted my claim the bank is now gone back and forth multiple times crediting and then taking the money back for the last month. More money than what was credited to me {$2100.00} to be precise explain why they are stealing I have made them aware that my father who has the same exact name as I do has been a several of my other bank accounts and and using my identity stealing my identity for a long time I've already submitted police reports about him and now this bank is holding my dispute money plus an additional {$2100.00} that they can not give me a clear explanation for. Now the bank is telling me that they're going to hold my wages for another 30 days 60 days in total and I am a 100 % XXXX veteran I need that money I am in a very tight very bad position at the moment and they're about to make a veteran homeless that does not need to be. I have never had a bank do this to me and they are literally stealing my money because the disputes that I made were 100 % valid I had proof I submitted the proof and it was willing to work with them on anything that they required for me yeah no one can tell me why they're just taking my money like a plain old thief.
Consumer complaint received 2024-09-24
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (AZ)

I received a letter from Comenity Capital Bank dated XXXX. The letter states that they need me to contact them to help finish the processing of " your recent application to open an account ''. 
The account is a XXXX XXXX  credit card that I NEVER APPLIED FOR. The letter also states that I need to get in touch with them within 14 days. 
I have not called the number on the letter as it is different than the number I found online for Comenity.

I will be calling them momentarily with the number off of their official website.
Consumer complaint received 2022-04-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (PA)

My Mortgage was sold to Selene Finance in XXXX. We had a payment returned and since then they will not accept any payments that are not verified while continuing to charge late fees. I do not have access to my online account due to the returned payment. I have requested several times to have the verified funds requirement lifted and I keep getting " its getting reviewed ''. I asked how they can change aspects of my original loan ( payments, late fees, and required payment types ) and the response is its our company policy. I have stated that this is the first time that anything like this has changed with a new servicer their response is " Its our company policy ''. Last Friday I was yelled at and hung up on twice by the same customer service rep. Can they change items in my original loan?
Consumer complaint received 2022-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The inquiry is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove the inquiry from my credit file. 
XXXX XXXX XX/XX/2022
Consumer complaint received 2024-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CREDIT ACCEPTANCE CORPORATION (LA)

I pulled my credit report and seen 9 hard inquires which most of them wasnt approved by me. For instance the following wasnt done by me or approved by me, XXXX  XXXX, credit acceptance, XXXX  bank, and Bank XXXX XXXX.
Consumer complaint received 2022-11-29
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: LEXISNEXIS (MO)

XXXX and Lexis Nexis have both, without permissible purpose, attained, retained, maintained and sold my personal information personal information which is against the laws states in the FCRA - Fair Credit Reporting Act. 

To note : XXXX states that they are not a CRA XXXXCredit Reporting Agency , and are not obligated to abide by the laws of the FCRA - Fair Credit Reporting Act. Yet by attaining, retaining, maintaining and selling consumer information XXXX is operating as a CRA and continuously acting illegally as a CRA with no recourse.
Consumer complaint received 2020-12-11
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: F.H. Cann & Associates, Inc. (NJ)

A representative by the name of XXXX XXXX from FHCANN & Assoc. Called and stated " if you don't want to deal with this account ( debt ), then we will call your relatives and ask them about it ''
Consumer complaint received 2019-10-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I did not receive a bill after using my card for the first time at the end of XXXX. After I realized I had not received one, I called and brought the account current. The same day, they reported to the credit bureaus that is was derogatory. I called on XX/XX/19 after I got an alert of my credit score dropping. I advised I would pay the account in full and the specialist saw where I had already made a payment on the same day the account was reported and stated he would remove the derogatory notification from my credit report and then take my payment for the full card balance. He placed me on hold and the call disconnected. I have called back 3 times and explained the situation. One representative told me I had never called them, and that was the third attempt in an hour. I requested to speak to her supervisor and she stated there was no one else I could speak with other than her. I ended the call and immediately called back and spoke with another representative and have now been on hold 40 minutes and still holding and no resolution. No one even has taken my payment much less honored them saying they would remove the derogatory report on my credit, which initially I was told was being handled.
Consumer complaint received 2024-09-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (TX)

Spring Oaks Capital , LLC XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, TX XXXX XX/XX/year> To Whom It May Concern, I am writing in response to a notice I received concerning an alleged debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide validation of this debt. Please provide the following information : A copy of the agreement or contract assigning the debt from the original creditor to your agency. 
The name and address of the original creditor. 
A detailed accounting of how the debt was calculated, including any fees or interest. 
Proof that you are legally authorized to collect on this debt in my state. 
Additionally, until this debt is validated and the requested documentation provided, I request that you cease all collection efforts and reporting of this debt to any credit reporting agencies. 

Please consider this letter a formal dispute of the debt and a request for validation. I expect a response within 30 days, as required by law. If you fail to provide the requested documentation within this timeframe, I will consider this matter closed, and you must notify any credit reporting agencies to remove any references to this debt from my credit profile. 

I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pacific Retrieval LLC (CA)

Pacific retrieval is trying to collect a debt that I do not owe. I sold a car to XXXX XXXX, the buyer. XXXX had crashed the night he bought the car. 

He promised he had insurance and that was a lie. I was asked to send an email so that he may register but didn't follow through with registering it. He didn't register the car nor pulled the car out of tow yard - as promised. 

Even though I properly filed Release Of Liability with the DMV I am being charged for the tow fees. I have the DMV form, text messages, emails and XXXX transfer to prove the car was sold the night before ( XXXX ).
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My name is incorrectly reported with misspellings and they are affecting my verification process. The correct spelling should be XXXX XXXX XXXX please delete any other variation of my name ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) the following addresses are not mine and are fraudulent please delete : XXXX 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 XXXXXXXX
Consumer complaint received 2020-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I have a credit rating over 800, as I always pay my creditors on time, and I pay off all credit card balances every month. This month, Capital One lowered the credit limit on one of my cards from {$11000.00} to {$5000.00} because, they claim, I do not use the card enough. 

It is common knowledge that credit reporting agencies base credit ratings on, among other things, available credit. This adverse action by Capital One will, undoubtedly, lower my credit rating, even though I have never made a late payment and have never allowed this card to go over the spending limit. 

My annual use of this credit card exceeded {$50000.00} per year in XXXX and XXXX, but it dropped significantly in XXXX because of a chargeback dispute with Capital One. The current action by Capital One is clearly retaliatory. I would have disregarded it, however, if it weren't for the harm it will cause to my credit rating. 

In addition to this complaint, I will be consulting with an attorney regarding possible legal action, should I see an appreciable drop in my credit score.
Consumer complaint received 2020-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (CA)

Year XXXX I had went into The XXXX XXXXXXXX Navy Federal Branch. I spoke with the teller and asked them that I am planning on paying of my Equity line of credit ( approx. {$87000.00} ). I specifically ask them that I have 3 accounts that were charged off and if it was going to affect me in any way, she had said no. I then asked if i should wire the payoff from my other account, the teller ( female ) had said since I am depositing a Navy federal check to my Navy federal account, it would be available the next day, it was be easier to transfer to the equity. 

Up to XX/XX/2020, I have now deposited over {$80000.00}. I log in to my account approx on XX/XX/XXXX and noticed transfers that was not authorized by me. I called the customer service and they have said it the three transfers were made to PAY OFF THE CHARGED OFF ACCOUNTS. I explained to them that I visited the branch and spoken to a banker that these funds are meant for my equity, they did not want to hear it from me. I asked them to reverse the transfers and use them accordingly to pay off the equity, they again said there is nothing they can do. 

On XX/XX/XXXX, I decided to go into the branch and remove all my funds as I did not want them to use the rest of my savings and money unlawfully. They advise me that my account has been restricted! XXXX, from thXXXX XXXX XXXXXXXX CA branch ( XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ) was suppose to call me Monday XX/XX/XXXX to release my account. I have not received any calls, emails, or messages. 

How can Navy Federal take funds from my SAVINGS and checking to use them however they please. I am sure they have violated many laws and regulations by doing so. I
Consumer complaint received 2022-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (NV)

My name is XXXX XXXX in XXXX A social security Scam was ran on me, putting me over {$30000.00} in debt, previous to that I had a excellent credit score at XXXX i think, give or take! XXXX I did a police report, life spiraled into crisis covid came, then was unfortunately XXXX for a year! Around XXXX of XXXX, I started paying my debt, paid it off around XX/XX/XXXX! XXXX years of struggle, and covid, but i still handled my debt responsibilities! But my credit score is only XXXX, but it was XXXX before I got scammed and I've had secured, XXXX secured cards for close to a year! I actually paid my debt off and sustained credit cards to show my credit worthiness! 

Who can I write or speak with, i haven't been given a reason why my credit score wasn't restored after I paid my debt off! And I also had XXXX secured credit cards while paying my debt off!
Consumer complaint received 2018-12-12
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. (NJ)

I am writing concerning my request that the above listed accounts placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), this is not a request for validation. XXXX, XXXX  and TransUnion have willfully refused to acknowledge my request, using a stall tactic requesting MORE IDENTIFICATION INFORMATION. Yet they received all the necessary documents in my initial ID Theft Report. They also are disregarding FCRA time constraints on debt validation. 
THEY are all reporting XXXX XXXX XXXX XXXX # XXXX This is a loan that is not mine and never has been.