davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (OH)

This is from XXXX XXXX XXXX. I terminated service via their customer service by phone XX/XX/2021. I asked device disconnect before the next billing cycle. I had no idea they continued to bill me until now. I was within the deadline to discontine service because they provided the date. Because this was done awhile ago and by phone I did not write down the customer service person or dates. I do have concern about this done I did take steps to stop services or noticed my request was ignored and sent to a collections
Consumer complaint received 2022-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Im trying to catch up in all my payment but Capital One bank keeps charging me fees and interest rates and is making it super hard for me to catch up. I called and ask if they can take off the late payments so I can catch up and they told me No. 

XXXX  XXXX account Ending in XXXX CHARGE : Past due fee {$33.00} XX/XX/XXXX Capital One Walmart Rewards XXXX Past due amount {$28.00} XX/XX/XXXX Interest charge. {$14.00} XX/XX/XXXX Past due amount {$18.00} XX/XX/XXXX Interest charge. {$14.00} XX/XX/XXXX Interest charge {$6.00}. XX/XX/XXXX XXXX  card XXXX XXXX charge {$3.00} XX/XX/XXXX Past due. {$40.00} XX/XX/XXXX Interest charge. {$3.00} XX/XX/XXXX Past due. {$25.00} XX/XX/XXXX
Consumer complaint received 2021-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

today XX/XX/2021 i called wells Fargo about a dispute transaction but they informed me the debit card was being revoked for my protection it is funded but im still allowed to use my checking account to pay bills but they didn't know that i had a debit saving card as soon as I told they deactivat6 it as i said they told me my debit card and debit saving card are revoked for 12 months for my protection.
Consumer complaint received 2021-11-18
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: CBC Companies, Inc. (CA)

Last several months, I have sent in complaints because XXXX is not removing this false bankruptcy. Yet they also have not provided any documentation proving that this bankruptcy record belongs to me. Fortunately, all complaints I have sent are here on file as proof of their negligence to remove this false bankruptcy.
Consumer complaint received 2021-08-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (CA)

I moved out of an apartment and after moving out I noticed I had been sent to collections. 

I asked for information as to what the charges where and I was told that I was in collections and they no longer had the information and stated that due to corona virus they were short staffed and could really help me. I was told it was " damage '' assessment after I moved out but I was NEVER notified and I wasn't aware of any damages. 

I contacted the collections agency and told me that the only information they had was an amount and could give me further information. 

I dont know where they are getting the amount from and no one is giving me information I was just sent to collections. 

I asked for them to remove since I wasn't informed but they refuse to verify amounts or give me any proof.
Consumer complaint received 2021-08-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NY)

I was attempting to buy a XXXX off of XXXX XXXX. The seller asked me to transfer money from my bank to him through Zelle. After I asked for pictures and everything to make sure it was a legit product I sent my first payment of {$500.00} and did not receive any message from the seller since then. I have no hope of receiving the product and the seller has refused to answer my contacts.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

When I reinvestigate my credit file, I realized that some of the information was erroneous. The 3 credit Bureaus are required to reinvestigate these accounts. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable accounts below : XXXX XXXX Balance : {$10000.00}, XXXX XXXXXXXX Balance : {$290.00}, XXXX XXXX Balance : {$2200.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-06-30
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-01-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was taking advantage of after several of practices were broken under FCRA by your company. You have hurt my ability to obtain credit. I can get a sba loan due to practice being broken by your company under the FCRA.
Consumer complaint received 2022-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CHARLES SCHWAB CORPORATION, THE (CA)

I have had reoccurring problems with my bank, Charles Schwab, refusing to grant me access to my funds in what amounts to a pattern and practice of withholding funds. This pattern has been ongoing for over a year, and I have attempted to resolve it with the bank many times to no avail. For example, in XX/XX/2022, I was in California and tried to put a rental car on my debit card ; Schwab declined my card, and when I called the bank, the representative put me on hold for nearly an hour even though I told her the card was in my possession and I was a valid card holder. Similarly, on XX/XX/2022, I was in XXXX XXXX XXXX, and I tried to place an XXXX on my debit card. Schwab declined the transaction, and when I called to tell them it was valid, they claimed another name was associated with my account, even though I had been validated through the online system, and they confirmed my account security code. Most recently, on XX/XX/2022, Schwab sent me a text telling me that my account had " fraudulent activity '' ; I called the number online, and validated the transaction with a person from the brokerage side, who then emailed me a number for the bank ( on the bank website ) that was broken ( despite me previously having told Schwab the number was broken and that this violated consumer protection laws. Later that day, even after validating the transaction through Schwab 's automated system, my purchase for a pair of glasses was denied. Later, a Schwab customer service representative told me that there was a fraud alert on my card, even though I had resolved it. There are many more incidents like this that I could relate. For CFPB 's information, I am a lawyer, and I take concerns like this very seriously.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MN)

The accounts are still reporting inaccurate on my report which needs an immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : Late/Open XXXX XXXX XXXX Balance {$340.00} XXXX  XXXX XXXX Balance {$7.00} XXXX XXXX XXXX Balance {$12.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$1500.00} Late/Closed XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} ChargeOff XXXX  XXXX Balance {$1200.00} Collection XXXX XXXX Balance {$310.00} XXXX XXXX Balance {$4100.00} XXXX XXXX XXXXXXXX XXXX XXXX {$43.00}
Consumer complaint received 2021-08-20
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. (PA)

XXXX, XXXX, and Experian are currently violating my consumer rights by improperly utilizing confidential information contained in my credit file without my expressed written consent. Furthermore they are reporting inaccurate information thereby defaming my reputation, their actions continue to negatively impact my ability to engage in commerce. They continue to violate my privacy rights and are failing to assure the maximum possible confidentiality, accuracy, relevancy and proper utilization of my consumer information. 
I am aware that the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
I am also aware that consumers have rights to privacy and the invasion of privacy laws and statutes have been enacted to prohibit conversion and unauthorized use of consumers information from being utilized improperly or made public, without their explicit consent pursuant to 15 USC 1681 ( a ) ( 4 ), and according to FCRA unverifiable and unauthorized account must be removed.
Consumer complaint received 2021-08-19
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: Experian Information Solutions Inc. (MD)

I have contacted XXXX XXXX XXXX via Validation of debt letters and via phone call to ( XXXX ) XXXX but have not received the validation necessary of leaving this erroneous account on my credit reports. Additionally, while the account is listed as a charge-off, they continue to increase the balance. I have attached the dispute letters sent to them along with the letters sent to the credit bureaus. I have not received the required verification for having the accounts on my credit reports and this erroneous account must be removed as XXXX XXXX XXXX has violated the Fair Credit Reporting Act. 

Certified mail receipt number XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-03-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

On XX/XX/2023 I was contacted by XXXX at XXXX ext XXXX, claiming that she was trying to collect payment on a Master Card ending on XXXX that was under my name, and that I had stopped making payments on. Claiming the Credit Card came from HSBC Bank, out of XXXX XXXX, CA. I am worried because she had my full name, address and even my full Social Security Number. She requested my email address to send me further information. She stated that her assistant named XXXX XXXX would be contacting me. They were supposed to send me documents to my email address, stating what I owed and the details. I have not received any emails regarding this matter. I am worried that what they were actually doing was verifying my personal information, in order to commit Identity Theft. She also gave me a XXXX # XXXX and the also called me using a local area code for my city, the other number the used was XXXX. I now believe this was a scam. She also mentioned that if I didn't pay, they had the right to garnish my wages.
Consumer complaint received 2021-08-13
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. (AL)

I pulled my Consumer report and I am deeply disturbed and ashamed of the things I saw on my report! you guys are reporting misleading, false, and inaccurate information which is clearly an FCRA and FDCPA violation.
Consumer complaint received 2021-08-19
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: EQUIFAX, INC. (CA)

I recently filed a report with XXXX, XXXX  and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURCIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Consumer complaint received 2021-08-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (TX)

In XX/XX/XXXX, Caliber Home Loans ( Caliber ) began servicing my loan on a new home purchase that I closed on in XX/XX/XXXX. 

In XX/XX/XXXX, my mortgage statement increased 40 % from {$1900.00} to {$2800.00}. I contacted Caliber to find out why this happened. I was told it was because of a new escrow analysis and that my taxes and insurance had nearly doubled. My taxes and insurance did not double. My taxes actually went down due to a homestead exemption, and my insurance remained the same. 

I later found out that the initial escrow analysis was done on a prorated basis due to me purchasing the house mid-year. Another contributing factor was the house being a new build, so property taxes were originally just assessed on land value and not the land value plus improvements. 

I work in the housing industry and after doing some inquiring, I discovered that the original escrow analysis was done incorrectly. Caliber should have taken into account that my taxes would include improvements into XXXX, and they should have estimated what my insurance and taxes would be for a full year when they began servicing my loan in XX/XX/XXXX. 

They did not. Instead, they expected me to make-up an escrow shortage they created by increasing my mortgage payment 40 % for the duration of XXXX. 

I've talked to representatives from Caliber on four occasions from XXXX to XX/XX/XXXX, and I also submitted an inquiry electronically via their website. They prorated my escrow shortage over 60 months, but I have told them that this isn't an acceptable solution. 

I've asked to speak with someone from their escrow department, but I was denied that request. I've asked to speak with someone more senior in their organization, and I was told that someone would call me. That call never came. They responded to my inquiry via their website and stated that my issue had been resolved. It hasn't been. 

At this point, my current mortgage statement isn't an accurate reflection of what I should have been paying all along had the escrow analysis been done correctly in the first place, and it remains more than I've budgeted for. Separately, I don't know what's going to happen when my property taxes will be due in XXXX, and my escrow account won't have enough to pay for them. 

I feel like I've exhausted my options with Caliber and reluctantly am forced to compel them to resolve this through this complaint process.
Consumer complaint received 2021-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (IL)

I am a victim of identity theft. All of my accounts were compromised and my email addresses and phone numbers. My social was compromised as well as my EIN number.I contacted Wella fargo to update information I was not successful in getting assistance with updating my information even though I stated over a recorded line that I was a victim of identity theft I was not assisted in changing my username or password.
Consumer complaint received 2022-06-28
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (NY)

I mailed out on XX/XX/22 to Department of Education/NELN via certified mail asking for the original instrument of indebtedness in original form for the current student loan on my credit report in which they received it on XX/XX/22 and I sent a follow up on XX/XX/22 to which I received no response. They received my XX/XX/22 letter on XX/XX/22 and now its going on about 40 days since the second letter 60+ days since the first letter and I have yet to receive a response from this student loan company. It is to my understanding that there are laws put in place to protect consumer rights correct? By law these items must be removed from my credit report since the creditor did no response within the allotted 30 day time period.
Consumer complaint received 2021-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (CA)

I requested a credit amount of {$79.00} to be mailed to me as a Check before closing my Wells Fargo credit card. They claimed that they put on the request at the end of XXXX ( I believe XX/XX/2021 ) and this will take 5 - 15 business days to reach me. Until now, I haven't received anything from them and they keep giving me the runaround whenever I call their customer service.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (NY)

My request to set up EFT from XXXX to my bank was rejected using Early Warning 's info as the reason. Early Warning 's report was just a list of transactions, with no explanation of what transactions triggered the rejection or why. This may follow the letter of the law, but it is far from transparent. It feels like Early Warning is an excuse for XXXX to do whatever they want to whoever they want with a joke of a report as an explanation.
Consumer complaint received 2021-09-21
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. (IL)

This is a continuation of my last complaint XXXX in which my problem was never resolved and Transunion, On XX/XX/XXXX transunion sent me another letter without giving any information or doing a true investigation. They are refusing to do an investigation at this point and I want the Bankruptcy deleted for failure to preform a proper investigation and provide information about the Bankruptcy on my credit report. Below is the details of my process and also the documents I sent as well as their responses. 
On XX/XX/XXXX I sent a letter to Transunion asking for what method they used to retrieve information pertaining to a bankruptcy on my credit report. I told them I wasn't disputing it but just wanted the method they used to verify such information. On XX/XX/XXXX they only sent me a copy of report and not the information that I was asking for. On XX/XX/XXXX I followed up with them to see who they verified the bankruptcy through. I went to the court house and they gave me a letter stating that they dont provide any information to the credit Bureaus. On XX/XX/XXXX they sent a response with dispute results stating verified, but still never sent what I was originally asking for. I wanted to know who they verified the bankruptcy through. On XX/XX/XXXX I responded stating that their process could not be valid because they did not verify the information and identify how they got their information. Transunion never sent me any proof of an actual investigation and that I could report them if the bankruptcy is not deleted off of my report immediately. I also sent them a copy of the letter I received from the court stating that they dont communicate with credit bureaus. On XX/XX/XXXX Transunion responded saying that they completed a previous investigation and will not do anything else without new information. On XX/XX/XXXX I sent the letter from the court house again and told them their process was not valid and that they never sent me proof of an actual investigation. On XX/XX/XXXX Transunion responded again with the same letter saying that they previously completed an investigation and without new information they will not change anything. I sent information from the court house and they failed to complete a thorough investigation and provide me with the information I was asking for.
Consumer complaint received 2021-08-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

Yesterday XXXX  XXXX 2021 i received a letter notifying me that AmeriHome Mortgage in XXXX NJ will no longer be my servicer and will be transferring my mortgage to XXXX XXXX  of XXXX. XXXX NJ. Not a big deal since it is a common practice. I've only had my mortgage for 1 year and have already been transferred now 3 times. Again not a big deal. My issue happened today XX/XX/2021 when i discovered, I'm speaking to XXXX Mortgage to get details of the transfer and find out the person " XXXX '' I'm speaking to and giving personal data to " verify my identity and loan '' is in XXXX. Someone across the world giving me a fake name, not licensed in any state of the US has all my data now, including but not limited to things like name, address, dob, social security and mother 's maiden name, loan number, balance etc.

I called Amerihome and they said nothing could be done. I could pay them to refinance the loan and hope that it stays in house or gets transferred to another company in a year that is US based. 
This practice needs to be looked at and consumers need protection of private information. This outsourcing can't be safe and there is no recourse if they abuse private information. 
PLEASE HELP.