davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXXXXXXXXXX  - XXXX XXXX  - XXXX
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MD)

There is a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of XXXX. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no XXXX party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2018-01-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (MA)

The name of the current holder of mortgage is Caliber Home Loans INC., number of contact XXXX XXXX and XXXX XXXX. is their representative as attorney number of contact XXXX XXXX. I simply put in for a request of payoff and it was to be sent to fax number XXXX XXXX attending XXXX XXXX XXXX. located in XXXX Massachusetts close to 4 weeks ago. 
My name is XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, Massachusetts XXXX. I am a current tax payer of XXXX years of age. I am simply looking for a payoff amount but they both have refused to provide me with one for up to four weeks, I have discussed this with many of their employees and they have strung me along and lied outright stating it was sent we have it but cant issue it to you and then others are stating that it was not sent over yet, Sent but will take 24 hours by fax. I have a number of credible witnesses that can give sworn statements as I have discussed these matters over a speaker phone line. Even had a conversation with Attorney XXXX on the line with XXXX XXXX. but all empty promises of completion. What can I do???
Consumer complaint received 2018-01-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (MI)

Dear Supervisor, Today I went to my branch to remove the excess funds from my account which has been closed. Prior to my account being closed there was {$1000.00} deposited! I desire the account closed and for my excess in funds mailed to me as soon as possible. The branch told me to call customer service in XXXX Oregon. Because they had nothing to do with the account? This doesn't make any sense but customer service on the phone told me to go to the branch. It seems no one is aware of the proper procedures. 
Just return my excess funds in the account as soon as possible.
Consumer complaint received 2018-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (WA)

Rcently, I had an account from Diversified ADJ Services removed from my credit report, after multiple disputes, due to fraudulence and Diversified ADJ Services ' failure to VALIDATE the debt by providing a signed contract. On XX/XX/2017, Diversified ADJ SVC placed a collections account back on my credit report for the second time, failing yet again to VALIDATE the debt by providing a signed contract. Despite already being founded as a non-validated debt and being previously removed from my credit report, Diversified ADJ Services continues to send me invoices via mail and contact me by phone. This is a direct violation of the Fair Credit Reporting Act.
Consumer complaint received 2020-08-19
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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (GA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-02-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (PA)

Good Morning, Good Afternoon, Good Evening On XX/XX/XXXX, my mother send me money threw paypal so I can pay the rent. Note : I am already late on rent and if it gets passed the XXXX I could face the landlord kicking My XXXX XXXX XXXXXXXX son and me out. However I have the money in my account and everything should be good. Nope, paypal is holding my money without any strikes on my account. 
I called them on the XXXX of XXXX to explain to them my problem and the operator said to me, because you attempted to transfer this money a lot of times your account has been locked and you are unable to send money to any account. Mind you the money they are holding is {$1200.00}. They told me {$640.00} is available for me to use however as you know that was a lie. They told me to wait 24/48 hours to attempt again. Which I have the patience to do. So I waited 24 hours to call back. I called them back after 24 hours and they told me the same things 24 hours ago. My account is locked and to wait another 24 hours. So I waited another 24 hours and today is the XXXX of XXXX. I called before making any transaction so I don't risk my account being locked again for another 48 hours. 
The first time I called she told me you should be able to send money now since it has been the time frame, and told her mama I am unable to send money to my account at all. At this moment it is giving me an error code on the screen to try again later. She then processes to tell me " I have to wait another 48 hours for my account to unlocked ''. I just flipped at that point, because I already waited 48 hours the one time and now you are tell me to wait another 48 hours for something that I need ASAP. I process to tell her to get a manger. Mind you my account does not have any history of charge back, fraud, or anything of that nature with money. 
The manger gets on the phone after 30 minutes, and tells me you are able to send money now. Now when a manger tells you something you would think it is true and I got off the phone thanking him for helping me out. I get on my paypal account to attempt to send {$640.00} to my bank account, however I get that same error code. At this moment I am upset and I called them back. 
I get a manger on the phone for the second time and he told me this in his exact words. '' PayPal does not feel comfortable sending your money out '' I asked him why do they not feel comfortable sending my money out and my account is in good standing and he could not answer the question. All he told me to do is wait 24 hours to try again.
Consumer complaint received 2018-04-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC (CA)

I previously sent Capital Accounts a validation of debt letter under the Fair Debt Collection Pratices Act to validate what they claim that I owe them. And all I received was an itemized list of alleged charges. This does not meet the Federal Trade Commission guidelines of what constitutes proper debt validation. ( I have attach the original Validation letter XXXX. During my request of proper debt validation with Capital Accounts I notice that they are still reporting this collection on my credit report, which is considered to be a collection activity. They are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collection on my credit report are causing me severe problems in trying to purchase a home and the damage could lead in to the {$1000.00} 's. Reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all benefits of good credit.
Consumer complaint received 2018-01-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I have an equity line of credit with Huntington bank. This line of credit originated with first merit bank and was transferred to this bank during the buy out. I currently have a balance of approximately {$34000.00}. The ten year draw period has ended. I have never been late on the minimum payments of this loan. When I realized that the draw period was ending, I went into a local branch and asked for information about this being converted into a fixed rate loan. When I took this out with the original bank, this is what I was told would happen. When I went to the bank, an application was taken, however nobody ever contacted me with a response. I then received a notice in the mail that they are demanding the full balance all at once of over {$34000.00}. I am older now and I do not drive and can not hear well on the phone. Numerous times my family members have taken me to the bank and we are constantly turned away. We are told that there is not an employee in the office that can help us and that they will contact me later. I explain I have a hard time hearing on the phone, but I am told that is my only option other than finding someone to drive me back up and hoping that the employee will then be there when I go back. Eventually I was able to get ahold of the branch and I was told that because I have a very slim credit history that Huntington will not work with me until I pay off a past due XXXX credit card balance. More than once I have asked for them to give me a confident yes that if I try to take care of the discover past due balance, that they will for sure give me it as a loan. Now I am being told that they should have never made the promise with me that if I pay off discover they will help me.
Consumer complaint received 2020-08-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Greetings. I pray you and your family are save this covid season. I have been trying to reach these companies about the errors on my credit profile. They keep simply saying re-investigation over and over again when I have asked and requested them to please adhere to the law. Please see attached documents.
Consumer complaint received 2018-01-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ARS National Services, Inc. (WA)

XXXX XXXX and ars Live wa state received community discharge for my spouse ch XXXX bankruptcyXX/XX/XXXX -gave XXXX  XXXX case number and attorney info etching Emailed the bankruptcy dept of XX/XX/XXXX including court documents Lawyer emailed them as well Credit report says charged off Informed them about community property and section 524 ( a ) ( 3 ) and I have no separate property. 
XX/XX/XXXX relieve letter from ars national services Inc seeking collection of XXXX for XXXX of my XXXX XXXX accounts included in discharge. The lawyer refuses to help us without us paying him more which we do not want to do based on limited funds and we found to many errors through the bankruptcy process due to his office misplacing and or forgetting certain creditor info multiple times. 
Last time I tried calling ellan financial for collections on harborstone account they refused to acknowledge the community discharge and hung up on me twice. The reason he filed solely was because I had filed when lost my house in XX/XX/XXXXso I couldn't and lawyer advised us to do this way even though the majority of our debt was in my name. Now my credit went from XXXX to XXXX and I feel like I'm constantly in distress about our families future and I don't know how to proceed. All efforts seem to be waisted
Consumer complaint received 2018-01-29
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I sent a certified goodwill letter to Capital One Executive Resolution on XX/XX/ to remove late payments on my credit report. I explained that during the time I was have a financial hardship. After no reply, I sent an email to the CEO on XX/XX/, including a similiar goodwill letter, explaining my finaicial hardship and my loss of wages. I received a phone call on XX/XX/ that my account was going to be investigated. I was told today, XX/XX/ that they are not willing to change the status. I'm currently in good standing and I am working towards improving my credit.
Consumer complaint received 2018-04-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Klima, Peters & Daly, P.A. (MD)

I found out I had a judgement/lien placed on my home by Perouka, Miller, Klima and Peters, P.A. back in XX/XX/XXXX. The only reason I found out was through a Title search company. That company is acting on the behalf of a person who may be interested in the property ( which has no value ) That title company without my knowledge contacted the Perouka, Miller, Klima and Peters, P.A. to obtain a payoff amount. I later found out the details of this debt steaming from a company called " XXXX XXXX XXXX '' XXXX XXXX XXXX  was purchased by XXXX XXXX and assumed the debt. The original debt was {$3000.00}, evidently Perouka, Miller, Klima and Peters, P.A. filed a judgement against me and sent a court appearance to my home. I was not aware of this court appearance my son who is XXXX  and since deceased may have signed for it. I am in poor health and rarely left my room. Since I did not appear the judgement was found in favor of Perouka, Miller, Klima and Peters, P.A. back in XX/XX/XXXX. Since then this judgement has accumulated interest and now has a balance of over six thousand dollars. I contacted them the first time in XX/XX/XXXX and explained the entire situation, they only offered that I make an offer to settle. Even though I did not have knowledge of the bill I asked to pay the original three thousand dollars. They notified me the next day that their client XXXX  counter offered for {$4500.00} and that agreement was good until XX/XX/XXXX I however got sick and was hospitalized and never was able to make the agreement. I called back in XX/XX/XXXXand explained the situation again, this time a representative of Perouka, Miller, Klima and Peters, P.A. informed me that I had other options being a victim of identity theft. I filed the affidavit on the federal government website and sent Perouka, Miller, Klima and Peters, P.A. the documents onXX/XX/XXXX. They said they would review this information with their client, I have made several phone calls and emails since and have received no further information. I am XXXX XXXX years old and on a fixed income and have health issues, I am attempting to finalize this situation but can not seem to get any information. When I made the first agreement back in XX/XX/XXXX they had an answer in ONE day to collect money. It is notXX/XX/XXXX and I do not understand why this is taking this amount of time.
Consumer complaint received 2018-01-29
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: TD BANK US HOLDING COMPANY (AL)

FILED DISPUTE WITH COMPANY TO VALIDATE THE INFORMATION REPORTING TO MY CREDIT BUREAUS. THE LETTER WAS RECEIVED. I HAVE THE RETURN RECEIPT AND A COPY OF THE LETTER THAT WAS SENT. I ALSO SPOKE WITH A REPRESENTATIVE AT THE OFFICE. I GAVE THIS REP ALL OF THE INFORMATION SHE REQUESTED TO PULL UP THE ACCOUNT AT THAT TIME. I WAS INFORMED THAT I WOULD RECEIVE A DECISION LETTER. HOWEVER, I RECEIVED A LETTER DATED XX/XX/XXXX STATING I DID NOT PROVIDE THEM WITH MY ACCOUNT NUMBER, NAME, ADDRESS, AND TELEPHONE NUMBER ON THE LETTER, WHICH HAS PREVENTED THEM FROM PROCEEDING WITH THEIR INVESTIGATION ULTIMATELY CONSIDERING IT CLOSED. THIS IS ABSOLUTELY FALSE. MY FULL NAME, ADDRESS, AND PARTIAL ACCOUNT NUMBER ( FROM MY CREDIT REPORT ) IS ON THE TOP OF THE LETTER I ORIGINALLY SENT TO THEM. DURING MY CALL WITH A REP, I AGAIN PROVIDED THEM THE INFORMATION THEY CLAIMED THEY DIDN'T HAVE. I FILED A COMPLAINT WITH THE BETTER BUSINESS BUREAU. STILL THIS COMPANY FAILED TO LIST THIS ACCOUNT AS 'DISPUTED ' ON ANY OF MY THREE CREDIT REPORTS AND HAVE THEREFORE VIOLATED FCRA SECION 623.
Consumer complaint received 2018-01-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (AZ)

XX/XX/XXXX Received an Annual Escrow Disclosure Statement stating there was an escrow shortage amount of {$640.00}. The escrow shortage could be paid in full ( {$640.00} ) or paid over 12 months with an additional increase in the monthly payment of {$53.00}. We have chosen to pay over 12 months. When double checking the new amount due on line the payment increase was {$160.00} not the XXXX, a difference of {$100.00}. 
XX/XX/XXXX Spoke to XXXX XXXX at Shell Point. She or her manage were not able to explain the difference. XXXX XXXX of Shell Point initiated a complaint be filed on my behalf. She would not give me a time reference for a response from Shell Point. 
XX/XX/XXXX Next mortgage payment is due in 2 days and unsure of how much to pay, feel as I am being over charged and at their mercy. 

Shell Point mails out mortgage statement on the XXXX of the month for the month they are due. My mortgage is due on the XXXX of the month. Yes I understand their is a grace period, I pay my bill on the due date. 

I have an excellent credit score and have never in all my many many years have had to deal with a mortgage company that is so confusing.
Consumer complaint received 2018-01-29
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. (NM)

I have attempted to life the freeze on my credit file with Experian for 5 days ( XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and have been unsuccessful. 

I placed the freeze in XX/XX/XXXX and paid {$10.00} over the phone with my credit card, and was informed I would receive a PIN in the mail to manage the freeze. I never received the PIN. 

Between XX/XX/XXXX and XX/XX/XXXX I attempted to remove the credit freeze online and by phone using the automated system, but these Experian systems failed. 

On XX/XX/XXXX the financial consultant at XXXX XXXX attempted to remove the credit freeze, but received an online message from Experian that this was not possible. 

On XX/XX/XXXX I mailed overnight my request to remove the freeze along with identifying documents. This process takes 10-15 business days. 

On XX/XX/XXXX I called Experian customer service. There is no way to speak with a live person regarding credit freezes, so I called the membership service division. I waited on hold for approximately 45 minutes to speak with a representative who was kind enough to try to remove the freeze, but even he was unsuccessful. There is no other way to remove the freeze except to wait 10-15 business days for my mailed request to be processed or to try to call again tomorrow. 

Despite the car dealership doing their best to accommodate, they are unable to secure a loan for me at the 0.9 % interest rate special offer if the freeze is not lifted before XX/XX/XXXX.
Consumer complaint received 2018-01-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (NJ)

I obtained a XXXX Credit Card and was adived that it would be interest free for 12 months. I made regular on time payments throughout the 12 months with no issue. I received notice that my payment was late in XXXX, only to look up my online account to learn that I had been charged over {$3000.00} in interest and that my minimum payment was now {$450.00}! I contacted the company and received correspondence back stating they could do nothing. I contacted them again and advised that I would pay the total owed without the additional interest if they could assist. They stated they would not due to the time that had passed. They stated that because 20 days had passed nothing could be done. I explained that I reached out to them via email to request assistance when the charge initially showed up, when the employee looked in records it stated that they could not get back to me because I was not enrolled in a portal. 
This is a disgusting misuse of power by XXXX. They should be ashamed of themselves.