davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2016-03-03
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC (TX)

I applied for a mortgage refinance and Loan Depot pulled my credit three times : On XXXX XXXX, 2015, XXXX XXXX, 2015 and XXXX XXXX, 2015. This has resulted in a major drop in my credit score. What can be done about this? I purchased a car and they pulled my credit two times! Unbelievable what impact this had and will cost me in additional interest now that I am trying to purchase another home!
Consumer complaint received 2016-03-05
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (HI)

On or about XXXX 2015 Chase Credit Cards issued me a XXXX/cancellation of debt. I never requested the debt be cancelled and I was actually willing to work with them to resolve this debt. They advised me that they issued the XXXX because they made no effort to collect the debt. I contacted Chase to discuss this account but they were unable to help me which I will never understand. I do n't understand how their failure to attempt to collect an account becomes a tax burden on me. I never once asked for the debt to be forgiven, I created the debt and was willing to pay it they just did not want to collect it. Makes no sense to me!
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/XXXX my credit card payment was scheduled for autopay. I pay my credit card off in full each month. I logged into my account on XX/XX/XXXX to see a notice that my bill had not been paid via autopay and was due and that I needed to pay it immediately to avoid a late charge. I did so from within the Bank of America system. Unbeknownst to me, Bank of America had initiated autopay, resulting in my checking account ( not a BofA account ) getting charged twice for the same charge. I noticed this when I received a notice from my bank of an overdraft. I reached out to Bank of America to ask them to stop the duplicate charge and they told me there wasn't anything they could do and the best they could do would be for me to request a refund but that that could take quite a while. I went back to my bank and asked them to put a stop on the duplicate payment, which they did. Bank of America had already credited my account for the {$8000.00} on XX/XX/XXXX and did not acknowledge the stop from my bank until XX/XX/XXXX. They then put that same {$8000.00} on my credit card, as if I had spent that money, bringing my balance owed on the card to {$16000.00}, even though my credit limit is only {$12000.00}. Today, they debited my account through autopay for {$16000.00}, even though the only purchases made amounted to {$8500.00}. I immediately called them and after over an hour on the phone was told that they could not refund more than my credit limit so could only return {$11000.00} to my bank account. I asked them to refund the entire erroneous debit and let me pay what was owed. They said this was impossible. They then said that even if they were to refund me the money taken in error it would be at least 7 days before the money was returned. I let them know this was unacceptable as it was their error and it would leave me with XXXX money to live on for the next 7 days. They said they were " sorry for the inconvenience. '' After an hour of going in circles there was no resolution, although they did say if I called back tomorrow they would see if they could get it pushed through in XXXX hours. Again, this is wholly unacceptable. They stole my money and are now leaving me on the hook with a negative bank balance. To make matters worse, they are charging me an interest fee on this mythical $ XXXX they say I owe! I am thoroughly disgusted by the way Bank of America has handled this mistake on their part. As a consumer, it feels incredibly predatory. Not only am I out a ton of money and unable to provide for my family, but it took an hour on the phone with them and then another XXXX hours at my bank trying to figure out a solution. XXXX hours that I had to take off of work.
Consumer complaint received 2016-03-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (CA)

IC System has refused to acknowledge my debt validation letter. I mailed it certified on XXXX/XXXX/16. I do not owe this purported debt. I am attaching a debt validation letter and proof that I do not owe this debt. By law they are required to respond to my validation letter. Once they go through the validation processs, they will see that I do not owe this debt.
Consumer complaint received 2016-03-03
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Optima Recovery Services LLC. (TN)

this is from a medical procedure I had on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX. The debt is from a XXXX XXXX. I do not deny the debt whatsoever. The debt was for {$2100.00}. two separate times of {$1000.00}. each for their part in this procedure. We paid {$25.00} per month from XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX at which time we never received another bill from that time to the present, XXXX/XXXX/XXXX. We never received a letter, phone call or correspondence of any kind till that day of XXXX/XXXX/XXXX when I received a Summons to court. It also had a letter attached to it that stated it was from a collection agency trying to collect a debt. I made a phone call on XXXX/XXXX/XXXX to the number given that was supposed to be the Law office of XXXX XXXX XXXX, attorney at law here in XXXX, TN. I talked with a woman named XXXX XXXX who informed me she was an assistant for XXXX XXXX XXXX, and that she could set me up on a pay schedule, I informed her I was already on a pay schedule and that I was no longer receiving a bill. She informed me they were not required to send a bill. I informed her I had received a bill for 10 months in a row, that pretty much sets a precedence that they send a bill. That 's when she informed me I was going to have to pay court costs and she added it to my original debt. These people never gave me any opportunity to answer this debt at all, much less the first thing I hear from them is by a summons. The Dr. and the hospital who were involved in this same procedure are very close to being paid in full. This debt would be paid right down with them if they had continued to send us a bill. I checked with XXXX and with Optima Recovery and they both assured me they do send bills regardless what XXXX XXXX contends from The attorneys office. I have a severly XXXX that we have been working and waiting on the VA for 2 yrs. now to get the operations I need. It 's been longer than that since I could work. My wife lost her good paying job in XX/XX/XXXX and she has had to work with a temp service just to be able to have some kind of employment. Yet we paid each and every bill so it upsets me greatly when someone tries to cheat us like this and add some supposed court costs to our debt, when we have not gone to court. Not quite sure why they quit sending us a bill but if they had we would have continued paying it. When anything medical quits coming in you figure the insurance finally paid. Please give a reply, I believe I am being railroaded into paying court costs.
Consumer complaint received 2016-03-05
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ceannate (FL)

This creditor has reported delinquencies on my credit that are in correct and causing harm to my credit ability. On the occasions ( which amount to XXXX ) that I credited the account in its grace period, I was assured by the company representative that it would not go against me and not be reported in my credit files.
Consumer complaint received 2016-03-06
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (TX)

Essentially I got tricked into selling my house in a manner I was unaware of. Instead of the buyer paying off my mortgage and getting their own, it got put into some sort of owner financed deal which left the mortgage in my name. I ca n't have this, because of this mortgage account I can not get approved for any loans because my income to debt ratio is so far off. 
The mortgage is also in extremely poor shape and borderline to foreclosure again. I am unable to contact any of the other parties in the deal and the contact I did have with them did not help. I have the right to foreclose the property if the account is in default but its been in default for over 6 months and no one will let me exercise my rights in the contract. 

Wells Fargo has the mortgage and they have the ability to end this situation immediately via my original loan but I can not get in touch with someone who can take any action or even look into this. As long as payments come in, late or not or wrong amount even, they just keep the loan current. I also get phone calls non stop, everyday from Wells Fargo wanting me to make the payment which I have not made in over 3 years. My family is basically being held hostage by this mortgage, we need a newer car and a home and we ca n't get it. The reason I sold this house is because my wife was XXXX and XXXX throughout the XXXX, all this did was make things much worse. Everywhere I turn for help I get sent somewhere else and I do n't have {$270.00} an hour for an attorney.
Consumer complaint received 2016-03-04
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (MD)

My home loan was modified effective XXXX XXXX, XXXX while XXXX XXXX XXXX ( XXXX ) was servicing the loan. The new terms of the loan were : interest only payments at 5.25 % with a loan balance of {$280000.00}. There was no provision for escrow payments. The loan was transferred to Resurgent Mortgage on XXXX XXXX, XXXX and a few months later to Shellpoint Mortgage Servicing Company. When the loan was initially transferred to XXXX, the monthly payment amount was listed at {$2400.00}. I called and wrote to Resurgent to explain to them that their records from XXXX were incorrect. After nearly four months, Shellpoint replied and allegedly sent a loan history on XXXX XXXX, XXXX, but none was enclosed. My IRS form XXXX for year XXXX arrived in XXXX and the figures were obviously incorrect, showing approximately {$43000.00} paid in interest ( twelve payments of $ XXXX/month does not equate ). On XXXX XXXX, XXXX I wrote to Shellpoint -- via certified letter -- asking to correct XXXX and XXXX interest paid that was reported to IRS. XXXX did not reply. On XXXX XXXX, XXXX I sent another certified letter asking to correct the interest paid for XXXX and XXXX. During these times, I constantly called Shellpoint, only to leave messages that were not returned, by either letter or phone call. Finally, in XXXX, I actually was able to talk to XXXX at Shellpoint ; she said that I could not obtain any loan information because I was represented by an attorney and needed his permission. She advised that once I got " approval '' from my attorney, the loan documents would be dispatched. XXXX XXXX XXXX, XXXX. XXXX my attorney ) emailed XXXX on XXXX XXXX, XXXX stating that Shellpoint could provide any information I requested. I emailed/followed up on XXXX XXXX, XXXX with XXXX, again asking for this information. To date, I have not received a loan history. In the interim, Shellpoint shows my account with legal fees, late charges, miscellaneous fees, unapplied payments, etc. on their web site. There is no substantiation for such charges. I was told by XXXX that the official mailing address for payments was changing ; I requested this information via official letter, however, I have not received any notice as of this filing. Further, Shellpoint is not reporting my current loan status to the credit reporting. agencies. Recently, Shellpoint sent a revised IRS form XXXX for XXXX. Based on this revision, Shellpoint is clearly able to provide an accurate loan balance.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Complaint Reason : Unauthorized Accounts, Account Reinsertion, and Consumer Rights Violations I have identified unauthorized fraud accounts on my credit report. Furthermore, an account that was previously blocked and removed has been reinserted into my report. Despite submitting a Federal Trade Commission ( FTC ) report, my California state drivers license, and my Social Security card, the credit bureau has failed to take the necessary corrective actions. This neglect violates both federal and California consumer protection laws.
Consumer complaint received 2016-03-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (GA)

My Department of Education loan has been in income based deferment since it became due in XXXX. The status has always been positive till XXXX, when it started showing XXXX late payments. I have contacted Dep of Education / XXXX with this issue. They stated that their report of the loan shows {$0.00} amount due, therefore the loan would n't have any late payments. XXXX customer service representative also explained to me that the incorrect reporting most likely happened when the loan was transferred from XXXX XXXX to XXXX. They provided me with documentation to submit to the credit bureaus for correction and also stated that they had amended their credit bureau reporting. 
I have submitted all the documentation to Equifax 5 different times. 5 different times Equifax came back stating they verified the information currently reporting as correct. That is a blatant lie! When Equifax receives a dispute, it waits 30 - 35 days and then sends a generic letter stating they verified the information to be correct. When I ask them to provide me with the sources who verified the information, I do n't receive a response. 
This is not my first complaint about Equifax 's reporting practices. When I submit a complaint, Equifax is quick to respond that the account in question is currently under investigation. I received a notification today that my Department of Education / XXXX loan 's investigation is concluded and the information currently reporting is correct. That is another lie! How can Experian verify the same information and conclude that their initial reporting was incorrect and amend my report and Equifax is unable to do so? 
When I call customer service at Equifax , the representatives are more interested in selling me a product than helping me resolve my issues concerning their reporting. When Equifax responds to the complaint that consumer has not supplied additional information, that is another lie. With this complaint, I am simultaneously filing another dispute with Equifax and providing an official letter from the loan institution stating the facts. Undoubtedly, Equifax will respond that the account is currently under investigation and results will be forwarded to me in 60 days. Undoubtedly, in 60 days I will receive yet another generic letter stating that all the facts have been verified as accurate, yet another lie! 
The level of negligence Equifax demonstrates when it comes to consumer reporting and dispute processing is absurd. And not just that, when they are called out on their deficiencies, the extent of their cover ups and lies has no end! 
I am submitting all the documentation with this complaint and also to Equifax once again. Equifax is violating my consumer rights under FCRA, Section 611 ( a ) ( 6 ) and ( 7. I demand immediate correction of my report and formal investigation into Equifax consumer dispute processing practices.
Consumer complaint received 2016-03-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Source Receivables Management LLC (TN)

I recently checked my credit and discovered that this company is reporting that I owe them a debt. To my knowledge I do n't recall this company ever providing me with a service nor do I remember me agreeing to pay them for said services. I never received any communication from this company prior to them placing it on my credit report. My rights under the FDCPA have been violated
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2016-03-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (NY)

I have a medical bill that is the subject of a good faith dispute. It was submitted by the medical service provider to my health insurer using the incorrect billing code. The claim was resubmitted, but the insurer has not yet responded. In the meantime, the medical service provider still has in its records that I owe the entire balance, which may or may not be true, depending on whether insurance covers some or all of the charge ( and I strongly suspect this would be covered ). The medical service provided was a series of vaccines required before traveling abroad. I received XXXX, and XXXX were covered. It was the XXXX that was submitted incorrectly, and is being resubmitted. Because the other XXXX were covered, I have every reason to believe the fourth will be covered as well. 

Despite the good faith dispute, I have received several, increasingly hostile, calls and mailings from the medical service provider 's collection agency.
Consumer complaint received 2016-03-06
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Bull City Financial Solutions, Inc (NC)

I have an Hospital bill through XXXX that I have been paying {$20.00} per month since XX/XX/XXXX. Bull City Financial Solutions call my parents house harassing them for me to call them, when payments have been submitted to the collection agency each month. In addition, to that Bull City Financial solutions was placed unto my credit report, knowing it would harm my score. It s sad how collection agency are not reprimanded for its behavior. I respect only good customer service behavior.
Consumer complaint received 2016-03-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAINE & WEINER COMPANY, INC. (FL)

I worked for XXXX XXXX XXXX XXXX XXXX as a XXXX. Due bad business management, the XXXX branch practically despaired. 
First, the more experience employees leaved the company and after that, gradually many others toke the same decision, including my self. As a result, the company charged their looses to the personal that no longer continued working for them, and now are affecting our credit, in this case, my credit.
Consumer complaint received 2016-03-03
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: TRANSWORLD SYSTEMS INC (VA)

I had been in dispute with XXXX mail service since XXXX XXXX. XXXX sent me several prescriptions with a total co-pay of XXXX. I promptly paid XXXX by check as well as XXXX using pharmaceutical vouchers/coupons. XXXX returned the coupons advising me that they did not accept them and requested I pay the balance of {$130.00}. I was surprised by this and contacted customer service to ask how I would have known they did not accept coupons, they stated I would have to call them to find this out. I stated that was unfair since I could have gone to the XXXX store down the street and gotten the medication and had the coupons accepted. Their failure to disclose their coupon policy put me at an unfair advantage. In XXXX XXXX, a customer service rep told me that I could go directly to the drug manufacturer for reimbursement which I did. I received {$55.00} from the manufacturer which I promptly remitted to XXXX. This left me with a balance of {$77.00}. I contacted customer service again to discuss how to dispose of the balance but had been playing phone tag. On XXXX XXXX, XXXX, XXXX processed a debit adjustment against my credit card on file without my permission to collect the remaining balance. I have attached the email correspondence where they assert that they had the right to charge my credit card without my permission.
Consumer complaint received 2016-03-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Transunion inserted a vacated/Withdrawn state tax lien on my credit. I uploaded the original letter that the state of Maryland sent to be that states that the Tax lien has been withdrawn and no further action is necessary. The letter also states that a copy was sent to the credit reporting agencies. I am trying to purchase a home and this insertion is causing me issues. To make matters worse, the lien was filed last XXXX XXXX. Transunion just put it on my credit XXXX XXXX XXXX. If you do not investigate them, my next recourse is to sue them.