davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-06
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (GA)

I had paid off account and received bill for over {$1000.00} I knew h I had not purchased. I have not been to XXXX or to Home Depot in months. I had just got out of hospital and did not feel like traveling. My daughter drives me everywhere as I do not have a vehicle so she knows where I go. Home Depot stated that someone had to a driver license or social security card to purchase items, but I keep those in my wallet with my Home Depot card and they stay locked up in the truck. I know there are hackers but I can not think where anyone could have access to them. I just want charge cleared up and to stop harassing phone calls and bills when I have been working with Home Depot fraud department but do not have any answers yet and its been weeks.
Consumer complaint received 2022-06-14
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

on XX/XX/2022 i contacted bofa prepaid services to let them know of multiple charges made on to my account. in total I counted XXXX charges from same merchant. XXXX claims were filed claim # XXXX totaling {$4800.00}, and claim # XXXX for XXXX there was no provisional credit provided even if investigation took over 10 business days. on XX/XX/XXXX both claims were denied. on that same day I contacted bank of America and ask for detailed reason as to how they reached the denial. all i got was a letter in the mail a few days later stating Bank of America did not find any mistakes made?? i don't know what they mean by that. on that same day i called and asked for a reconsideration again denied 2 days later on XX/XX/XXXX and again on XX/XX/XXXX and XXXX. i also contacted the merchant explained the situation and asked for their assistance and told them my bank was refusing to investigate this claim. the merchant conducted their own investigation, which took 7 days they concluded that because the cvv # was used on all transactions that made me liable for the charges even if I didn't have an account with them or done business or allowed anyone to use my card or authorized any of the transactions in question. i have since continued to contact bofa all they keep offering is to resubmit my claim only to be denied over and over without conducting a proper investigation.
Consumer complaint received 2022-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (MI)

I don't often check my credit report, however today I did. Upon logging into XXXX I notice my credit scores dropped and I had a derogatory problem on my credit. Upon looking into in it was for collections of {$2400.00} from a XXXX  account. Thing is I don't personally use XXXX, nor do any members of my immediate family ( we use XXXX XXXX XXXX  ). I have a XXXX work phone and if this was a real issue I'm certain my company would have informed me. This charge is fraudulent and I have no intentions of paying any of it especially for how insanely high the charge is.
Consumer complaint received 2020-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (FL)

CREDIT MANAGEMENT LP Last reported XX/XX/2020 {$610.00} Open balance 11 XXXX XXXX  Original creditor XXXX   Opened XX/XX/2020 ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Affected by natural disaster Original creditor name 11 XXXX XXXX  I had this debt resolved by Consumer Finance before under another debt collection and now it is back again. I was not the person who had this account..
Consumer complaint received 2020-04-30
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. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$360.00} COLLECTIONS XXXX {$150.00}
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

My Experian credit filed has been hacked XXXX  I have already faxed over XXXX  documents proving my identity on XX/XX/2023 and my account has been hacked XXXX  hours later which is today XX/XX/2023 for XXXX  hours at the XXXX was fixed Experian make it very difficult to access your account. They also allow anyone to go into your account and change your contact information and to intercept all communication I can not complete a forgot password because this person changed my email address, and my password and is very impossible to speak to customer service and very impossible to recover my account. Im afraid I may be a victim of identity tax fraud/possibly a duplicate tax return maybe file one for me and one from the fraudster with me and my children, Social Security numbers XXXX and also credit cards and make accounts open in my name. One account was already open my XXXX XXXX  XXXX and I had to have it flagged for fraud and XXXX down, and XXXX as well. Experian make it very easy for your account to be hacked. Do not create a membership with Experian. I have no issue with XXXX fax or XXXX XXXX a matter how hard or difficult can you create a password on your account or email address they make it very easy for hackers to hack you Experian credit report and lock you out and you are treated like a suspect with Experian. They will not shut down the fraud account until you are verified by mail or fax and until they actually get to your paperwork by mail or fax proving your identity this person has already committed at least XXXX  days or more worth of fraud on your account. This is the XXXX  time Ive been hacked. I had to pull my identity once again XXXX hours later via fax I faxed over XXXX  dock and his crew room. I didnt eat XXXX  hours ago. I feel like this will be a repeat a psycho. This person keeps hacking my file this is gon na be ongoing problem with Experian-faxing over documents, keep getting locked out, contact information changed, calling customer service every XXXX  hours to recover my account, etc.
Consumer complaint received 2020-09-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RoundPoint Mortgage Servicing LLC (FL)

Correction to letter these funds not noted on XXXX payment history account number XXXX please attached to case number XXXX sorry for the error Im just exhausted with this situation, also I feel violated that someone would take/steal funds from me that the government gave me towards my mortgage payments and to make it seem like I was in default of missing mortgage payments that they took funds and invested in a money first investment account and file assignment of note benefits insurance claim on my property. Yes I feel very violated. And not only that use me to sign for a fraudulent loan modification of stolen monies that the Florida Housing Administration, applied to my my mortgage loan and still missing funds that is still unaccounted for, as new money to that loan modification having me to make mortgage payments on that stolen money that should have been applied to my account in the first place. I also ask Mr XXXX from Round Point Mortgage why wasnt I informed about change of mortgage loan from FHA to an Conventional Mortgage loan, he still didnt give a concrete answer
Consumer complaint received 2022-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (NC)

The central issue is that our mortgage servicer, BSI Financial, failed to apply a {$2800.00} payment to our escrow account last year, resulting in a current shortage that will cost us roughly $ XXXX on our mortgage payment to replenish. Multiple attempts to resolve with the servicer have been unsuccessful. 

The attached XX/XX/21 statement contains the relevant details. 

On XX/XX/21, BSI mistakenly emptied many customers escrow accounts, sending us a check for {$2800.00}. It was a bad check that never posted and we were charged a fee by our bank. They continued to issue refunds in the amounts of {$670.00} and {$1900.00}, which we were instructed to deposit and then replace via an escrow only payment online. You can see my {$2800.00} payment on XX/XX/21, which shows as unapplied in the far right column, and then says it was refunded to me on XX/XX/21. I never received this refund, and the amount remains unapplied to our escrow, creating a $ XXXX shortage for the year, dramatically increasing our monthly payment. 

The company insists there is no error, and a new escrow analysis is not required. They have lost {$2800.00} of mine, and are now asking me to repay it.
Consumer complaint received 2024-09-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (CO)

In XXXX of 2024, I completed a SAVE plan and IDR application. Mohela did not review this application prior to XX/XX/year>. I qualified for the SAVE plan and IDR plan that meant I was to pay {$0.00} a month, which is exactly what I can afford. They attempted to charge me nearly {$300.00}, even though I had completed the application. It sat under review and had not even been processed, which is no fault of my own. This is a common problem with them. I can not retrieve any of my precious data since Mohela transferred payment platforms. I can not get any information from them. My payments are constantly being rescheduled and changed. This is been the worst experience Ive ever had with a student loan servicer.
Consumer complaint received 2020-04-30
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 (NY)

I am a XXXX survivor, I was laid off from work then I was hospitalized, when I was well enough I reached out to capitol one to explain and notify that I have missed the XXXX payment due to being in an Covid-19 impacted area and being hospitalized and asked if I could get an extension on payments until XXXX with no late fees and interest payments, which I was told would be honored, until my health insurance was being debited and the card declined due to the fact that Capitol one charged me late fees and interest fees for the month of XXXX and locked the card, I tried to pay my health insurance and was advised that I could only use the card on file due to everyone working from home, they are not allowed to take or change customer finance information on file. I reached out to Capitol One and they clearly stated that they were not honoring the directives of the Cares Act and demanded that I pay the minimum payment due before they would release the card so I can pay my health insurance. I was extremely ill and this is the time that they chose to take advantage of me. I was charged a late fee and charged interest payments for the month of XXXX that they stated will not be removed, which is a clear violation of the Cares Act
Consumer complaint received 2024-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HYUNDAI CAPITAL AMERICA (IL)

To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via mail dated XXXX, XXXX. While checking the above report, it came to my notice that your Company has furnished an account on my report. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of informa- tion regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the al- leged debt ) by the Company will amount to Communication as per Fair Debt Collection Prac- tices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 

Any further contact by your Agent or Company, except a communication confirming your ac- knowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you.Remove this account from my consumer report asap
Consumer complaint received 2020-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION (CT)

I opened a checking account and a savings account with PenFed Credit Union on XX/XX/2020. The checking account # is XXXX The savings account # is XXXX. When I signed up there was a promotion that offered {$200.00} if I made a deposit of {$1200.00} and did 5 atm transactions. I did both of these requirements. The fee for the checking account had been waived for several billing cycles. However at some point a {$10.00} fee was assessed to my checking account. 

I attempted on several occasions via email and the messaging system on the penfed website to add a deposit in order to bring the account to the positive. I was unable to do so as the ability to transfer money was eliminated from my account. The negative balance was $ XXXX Despite that I sent numerous messages, my issue was not addressed. 

The bank sent my an email that because my account was in the negative, they would not send me the {$200.00} bonus. I asked if I could appeal, and outlined what I just told you. I did not receive a coherent message back. My point is that I deposited the {$1200.00} and did the 5 debit card transactions, but they are not sending me the bonus because my account went into the negative. Before I could deal with this further, the bank closed my checking account. 

So, they first restricted my ability to add money to the account, then closed the account without answering my inquires. For these reasons I believe that an exception should be made because I did try to fix the negative balance, and instead of helping me they took the above outlined actions.
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: DISCOVER BANK (TX)

Ive sent a verification letter and havent received anything back. Its been more than 30 days. An i request this account get deleted from my XXXX credit report. Since they cant verify the debt. It goes against the FCRA and should be deleted immediately. Or will be fined {$1000.00}. So Im requesting you deleted this account or I will have to take legal action.
Consumer complaint received 2020-04-30
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. (AR)

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$360.00} XXXX XXXX {$150.00}
Consumer complaint received 2020-04-30
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. (AR)

I decided to get my credit pulled due to a couple of collection letters i continued to receive in the mail. I have never heard from the place before, I suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX {$430.00} XXXX   XXXX {$1200.00}
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (TX)

this complaint is on debt buyer Midland Credit Management and there inaccurate and inconsistent reporting with the three consumer reporting agencies XXXX XXXX and XXXX. I've sent letters in to all 3 bureaus on two occasions. my first letter dated XX/XX/XXXX I asked to ensure all information was reporting accurately. my second letter dated XX/XX/XXXX XXXX it is now XX/XX/XXXX and I noticed that this agency is still reporting on my consumer report but with inaccurate and inconsistent information. 

one main violation this debt buyer is responsible for is that this debt buyer is reporting 3 different running of reporting periods manipulating the the statute of limitations on this account. XXXX estimated month and year this item will be removed is XX/XX/XXXX. XXXX  on record until reports XX/XX/XXXX and XXXX date of 1st deliquency date reports XX/XX/XXXX making the running of reporting time to be XXXX XXXX so according to midland credit management the LEGAL estimated time frame to remove this account from all 3 agencies are 3 different dates? this is suppose to be one account. its impossible to have 3 different running of reporting periods. this tells me that midland does not have the correct information in there possession and there furnishing whatever they feel like to the consumer reporting agencies. well that's not how the FDCPA works nor the FCRA. according to my actual XXXX  and XXXX reports this data furnisher has reported to both of them this month in XXXX. to my understanding once a data furnisher has modified information on a account then they must send carbon copies to all consumer repotting agencies on. a nationwide bases that maintains files under my name in order to notify them of the modifications to update there files in order to be in XXXX compliance that also falls under the FCRA regulations.. why is there incosistent information reporting. why does XXXX report a active payment history and a past due on this account? a collection account is not a tradeline. there was never no verbal or physical payment agreement or arrangement with this debt buyer and myself to prove that I owe them anything and I refuse to pay a debt that has not been properly validated. to my understanding a data furnisher is PROHIBITED to report INACCURATE information especially after they have knowledge of these errors being reported. as a matter a fact XXXX actually provided me results recently regarding to this debt buyer and they have updated information on XX/XX/XXXX so I know for a fact that this debt buyer is well knowledgeable of the inaccurate and inconsistent information reporting. I have also included more inconsistencies that this data furnisher is reporting to prove my claims in this letter.
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX currently actively and incorrectly reports late payments, althought the account was paid on time, and the house was sold in XXXX of 2019. They also charged junk fees like a property inspection fees, which I never agreed to.
Consumer complaint received 2020-09-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (NJ)

I have received a false collection from Redius Global Solutions into my account. 

This was related to doctors information who wanted to perform some informative test of his own purpose to learn some new initiative related to XXXX XXXX XXXX XXXX 

They assured us it will not be credited on our side and they are performing those tests for their own learning purpose then why this collections are appearing into my account.
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

On XX/XX/2020, I settled/paid off two closed XXXX XXXX accounts on my account. XXXX XXXX even mailed me confirmation letters advising each account has been paid off. My credit report with XXXX, Experian, and XXXX  has yet to be updated showing {$0.00} balances on my two closed accounts with XXXX XXXX. I've disputed the listed balances on my account multiple times and it has yet to be corrected.
Consumer complaint received 2020-07-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

THE ACCOUNTS ARE REPORTING INACCURATELY AND SHOULD BE REMOVED DUE TO VIOLATING THE FCRA ACT!!!! THERE IS NO WAY THESE ACCOUNTS SHOULD CONTINUE TO REPORT INACCURATELY I AM HIGHLY DISPLEASED AND I HAVE NOT GOTTEN ANY INVESTIGATION RESULTS
Consumer complaint received 2020-09-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland Credit Management has much of our old credit card debt. I am an XXXX survivor with XXXX and sadly had to stop working after I ended up in a XXXX   program for a major setback due to a triggering event at work regarding a member of the management team being arrested for XXXX XXXX  XXXX  of XXXX  and yet still being allowed to work at the same establishment. 

In the last few years, we have sent countless letters sent by standard mail, certified mail, email and have had direct phone conversations with Midland Credit Management explaining that the only income acquired is our SSDI ( XXXX ) and that we can not pay the debt. 

Despite us following their instructions completely for the last two years, they have kept calling, sending letters and summoning us to court. As both my husband I and suffer extreme XXXX and XXXX  XXXX  this is adding quite a bit more to the already fragile situation we live in. 

We sent the documentation to the court and they do acknowledge that as SSDI recipients they can't collect, but the company does not stop the attempts.