davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Performant Financial Corporation (SC)

On XX/XX/XXXX2019 a letter was marked to be sent to my address. This was for Performant Recovery Inc. for Account XXXX Fiscal service number XXXX. 

They are attempting to collect {$590.00} for a debt held by XXXX XXXX of {$440.00} per my XXXX  credit report. 

I called on XX/XX/2019 about the change in price and that I would pay the amount owed of {$440.00}. They stated that since they are a collection agency they can charge recovery fees, and the account will accrue interest. 

I escalated to a manager who said the same info. When I informed them of the right a consumer has under the https : //www.consumer.ftc.govXXXX What are debt collectors not allowed to do? 
They cant engage in unfair practices. For example, they cant : try to collect interest, fees, or other charges on top of the amount you owe, unless the original contract or your state law allows it. 

This is in direct violation of that. That being said performant then stated I was already given a break on the price of around {$200.00} but that was a payment that was made from my tax collection as I had to correct them on.
Consumer complaint received 2019-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Caliber Home Loans, Inc. (NJ)

There are scores of complaints and lawsuits against Caliber Home Mortgages for the same practice of stalling requests for loan mods, especially with houses like ours which had significant equity still and could be sold by the financial institution for a profit. 

We are a senior couple who has a file over 200 pages thick, detailing our never-ending effort to get a loan modification, while we were in the process of selling our house. Often, on the same day we would get two letters, with the same date : one saying they had what they needed to process our loan mod, the other saying that they still needed more information. We sent the exact same information several times, but they responded after more than 30 days, so they needed another months ' information. In the middle of this battle, they said we were in foreclosure, and reported this to the credit bureau, although we never received anything from the courts, and the house was sold through traditional methods. This credit blemish has stopped us from purchasing a retirement condo ( we're both XXXX ) and I am wondering if there is a class action suit we could join or if there's another way of getting caliber to reverse their credit bureau report. 

.
Consumer complaint received 2019-05-18
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: EQUIFAX, INC. (NV)

ON OR AROUND XX/XX/XXXX I WAS GOING TO APPLY FOR SENIOR LIVING HOUSING HERE IN XXXX XXXX NEVADA. AND THE AGENT ADVISED ME BEFORE SHE DO A HARD PULL OF MY CREDIT TO LETS LOOK AY XXXX XXXX. AND I NOTICED SEVERAL ACCOUNTS OPENED IN MY NAME ON OR AROUND XX/XX/XXXX - TO XX/XX/XXXX AROUND THE HOLIDAYS. THAT I DID NOT OPEN NOR AUTHORIZED. AFTER DOING MY INVESTIGATION THESE ACCOUNT WERE ALL OPEN ONLINE. THESE ARE FRAUD AS WELL AS THE MANY AUTHORIZED INQUIRIES ON MY CREDIT REPORT. 
I DID A STATEMENT WITH THE XXXX XXXX XXXX POLICE DEPARTMENT. WHICH HAS BEEN ASSIGNED TO A DETECTIVE I AM ASKING ALL 3 CREDIT BUREAUS TO REVIEW THE ATTACHED DOCUMENTS AND REMOVE ALL FRAUD ACCOUNTS LISTED AS WELL AS UNAUTHORIZED INQUIRIES FROM MY CREDIT FILE IMMEDIATELY.
Consumer complaint received 2019-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

ON OR AROUND XX/XX/XXXX I WAS GOING TO APPLY FOR SENIOR LIVING HOUSING HERE IN XXXX XXXX NEVADA. AND THE AGENT ADVISED ME BEFORE SHE DO A HARD PULL OF MY CREDIT TO LETS LOOK AY XXXX XXXX. AND I NOTICED SEVERAL ACCOUNTS OPENED IN MY NAME ON OR AROUND XX/XX/XXXX - TO XX/XX/XXXX AROUND THE HOLIDAYS. THAT I DID NOT OPEN NOR AUTHORIZED. AFTER DOING MY INVESTIGATION THESE ACCOUNT WERE ALL OPEN ONLINE. THESE ARE FRAUD AS WELL AS THE MANY AUTHORIZED INQUIRIES ON MY CREDIT REPORT. 
I DID A STATEMENT WITH THE XXXX XXXX XXXX POLICE DEPARTMENT. WHICH HAS BEEN ASSIGNED TO A DETECTIVE I AM ASKING ALL 3 CREDIT BUREAUS TO REVIEW THE ATTACHED DOCUMENTS AND REMOVE ALL FRAUD ACCOUNTS LISTED AS WELL AS UNAUTHORIZED INQUIRIES FROM MY CREDIT FILE IMMEDIATELY.
Consumer complaint received 2019-05-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

VENMO TOTAL SCAM- I signed up for this service recommended 2 me by a friend so they could send me their rent $ instantly & no check involved for me to WAIT ON TO CLEAR.. i entered my 2 cking acct, 2 debit cards XXXX  - only to find out dont use XXXX? So I went bank in and put my XXXX XXXX acct info ... Week 1- unable to use the instant transfer feature NO REAL REASON GIVEN, told to call in on MON. as they don't have access to tell me why? UM OK,,, MON I CALLED TO BE TRANSF hung up on called back held etc etc etc. NO ONE EVER SPOKE TO ME OTHER THAN TO GIVE THE SAME SCRIPTED ANSWER- We do not have access to that info, FURIOUS WIITH NO $ still I got no-where. CHAT FEATURE USELESS- PHONE SUPPORT= USELESS. VERY VERY- suspicious .... GOT THE DEBIT CARD IN THE MAIL WAS ABLE TO USE it at ATM FOR A FEEEEEEEE {$3.00} atm and also made some purchases thank XXXX - or so I thought ... Week 2- ISSUE NEVER RESOLVED. JUST BACK AND FORTH XXXX SCAM SCAM SCAM. WEEK 3 GOT FUNDS TODAY again SAT early am FOR RENT THAT WAS overdue as of FRI BY ROOMATE. HERE we go again STILL NO INSTANT TRANSF allowed ( TOLD THIS TIME ACCOUNT FLAGGED SECURITY RISK )??? WT? again the back n forth and NO RESOLVE. ( BTW I'm a XXXX/homeowner/SE XXXX buss. owner since XX/XX/2002 & same job for last 7 years XXXX. Yeah I'm a REAL BIG security risk ) Anyway I thought hey I can just use the debit card like last week ..UM HECK NO!!! THAT CARD DONT WORK NOW!!!! WOW! CANT MAKE PURCHASES, CANT TAKE $ FROM ATM???. NOW DEBIT CARD DOESNT WORK EITHER! NO CUSTOMER SUPPORT AVAIILABLE VIA PHONE.. RED FLAG FOR ME*** ( ALERT ALERT ) & customer service via CHAT just tells me they don't have access to info and ( THEIR GO TO ANSWER- Sometime its a security risk flag- ( OR XXXX PROFILING I THINK ) and BOTTOM LINE NO access to your funds! FOR DAYS AND DAYS. THE CO. IS A SECURITY RISK- USING YOUR FUNDS- floating my $ using them for something else? YES YOU ARE. XXXX XXXX XXXX
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (IL)

CREDIT Collection Service whos address is XXXX XXXX XXXX, XXXX, MA XXXX is reporting a debt under my name XXXX XXXX XXXX that I have requested validation. I have not received this request and it continues to be reported to the credit bureaus under my name in the amount of {$510.00}. I called on XX/XX/20 to request validation of account and I have not received. I called on XX/XX/20 and they said they have requested it from original creditor. I am disputing the validity of the bill.
Consumer complaint received 2019-05-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

This collection agency has not identified what debts are owed nor to whom. My hospital visits were supposedly processed by a social worker whom stated that I would not need to pay for my stay, medication, nor anything related to healthcare due to me me being indigent and homeless. I have attempted several times to contact the debtor and ask for a breakdown of the bills in question and have not received a response. I have also disputed based on not having enough information to identify the debt and they have failed to respond to me.
Consumer complaint received 2019-05-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

On XX/XX/19 I submitted a dispute online with Equifax regarding a collection that is listed on my Credit Report. 

XXXX : XXXX XXXX XXXX - XXXX XXXX, TX - Has not responded to my request for " VALLIDATION '' and is still reporting the information to Equifax. 

i provided Equifax with a copy of the request for Vallidation and the USPS Certified Mail and Return Receipt Request Equifax 's response on XX/XX/19 was that XXXX XXXX XXXX has " Verified '' the information and Equifax is continuing to report he " UN-VALLIDATED '' information. 

I am convinced that Equifax knows the difference between Vallidation and verification and are knowingly continueing to report information that should not be reported as it has not been " VALLIDATED. ''
Consumer complaint received 2019-05-18
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. (CA)

this alleged account was removed from my credit report early last year, and now you bring it back with out a 5 day notice of reinsertion in writing. this alleged account was removed because XXXX XXXX has no proof of service nor my signature on this alleged account please remove account or show evidence that I made this account with proof of service and my signature. there must be some mistake in billings or something
Consumer complaint received 2019-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (IN)

My identity was compromised while serving oversees from XXXX to XXXX. During this time a fraudulent account was opened in my name by XXXX. I demand that this item be removed from my ChexSystems report immediately.
Consumer complaint received 2019-02-16
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: Experian Information Solutions Inc. (FL)

XX/XX/XXXX I deposited a check from an Insurance claim and it was returned, no fault of mine. XXXX reversed my mortgage payment of {$1200.00} and the insurance check of {$10000.00}, in XX/XX/XXXX. I have always paid my mortgage many days before the due date.Every month I pay an extra {$100.00} more than the mortgage payment. I have a mortgage with this company for many years and have NEVER been late. They requested the copies of my bank statement and canceled checks from my bank which I have provided. I wrote and called them every few weeks and spoke to several Managers and Customer Service Representatives. They have all promised to get the problem resolved and mail out 1 year of payment history. I have not received that from XXXX and lately I have been receiving my monthly statements late. I was informed that they are reassigning all my payments from XX/XX/XXXX to present from XX/XX/XXXX and that should resolve the problem. That has made things worst because they now have be owning {$10000.00} and reflecting that I only pay {$330.00} for interest payment for the entire year of XXXX. They have been reporting me to the credit bureau as paying late every month. Last week I received a letter that my property is in foreclosure and I need to respond to them by XX/XX/XXXX. I am a older person and this mortgage company is about to kill me. I would appreciate your assistance ASAP. Thanks.
Consumer complaint received 2019-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I tried to dispute due to the fact I have never lived in any other state besides California, yet, on my credit report shows an account with XXXX out of Georgia. I can prove through utility bills and rental lease that I was not in Georgia at the time of said account was being used in my name. The company did nothing to further investigate my claim, but decided it was an accurate account.
Consumer complaint received 2019-02-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (TX)

This debt was the result of identity. I do not live in XXXX MI I am a resident of XXXX TX. I have a relative that has a substance abuse problem who uses my identity without my permission. the collection agency will not remove this debt and will not send me documentation that this is my debt. they rely on a third party form to verify the debt.
Consumer complaint received 2021-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AL)

I am a XXXX United States citizen and this financial institution Wells Fargo bank has taken advantage of me and money in which this financial institution has not only taken advantage of me but also other consumers opening up fake accounts and forging the names on not me but to others consumers as well with out arthorization from the consumers not knowing not knowing what is going on with not only my account is being attract but others consumers as well. and that is the main reason of why Wells Fargo bank has been sued before about these same these same issues and these practices are still going on. And all of these hidden fees that I was not informed about didn't tell me about now I was charged {$10.00} fee for service fee and with out my permission after going on three years and I get {$300.00} to pay my utilities for where I reside at. If I had to pay a fee they should have told me all of these hidden fees. And like I said before after going on three years at getting the money. Now this institution wants me to pay {$290.00} for over draft fees and like I said before XXXX Never used online banking and never authorized to sign up for online banking and over draft protection none of those things. This financial institution has taken advantage of not only me but other consumers as well.
Consumer complaint received 2019-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

To Whom it May Concern ; I filed a Chapter XXXX in XX/XX/XXXX. I had purchased a 2010 XXXX XXXX, through Toyota Financial Services. I kept the XXXX, and the bankruptcy court paid the truck off in full. I have all the documents from my attorney supporting this. When they paid the last payment, the title was sent to my attorney, and when the bankruptcy was discharged, I received my title. The problem is Toyota Financial Service filed this with XXXX, and will not get it corrected. We sent them a certified letter on XX/XX/XXXX, explaining we felt that this was a violation with the FCRA.  They responded on XX/XX/XXXX, with their records are correct, and they are reporting to the agency in a manner that is consistent with their records. I'm going to attach all the documents to this letter, so you will see what we are up against. There has even numerous disputes filed, due to we hired XXXX XXXX to help us with this. We are now trying to also handle this, by doing what we can to get this corrected, along with XXXX XXXX. Everything has been cleared from our credit report, except something that was paid in full, our truck through Toyota Financial Services. 

Kind regards,
Consumer complaint received 2020-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC. (MD)

I have setup the mortgage payment to be automatically deducted from my checking account.For the XX/XX/2020 payment the company has deducted twice the payment amount from my account.I tried to contact them via email but got no reply.It is impossible to reach them by phone, after waiting on hold for about 40 mins the call is disconnected.
Consumer complaint received 2019-02-16
Product: Debt collection — Other 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: Aldous & Associates, PLLC (NY)

Ref : Any/all accounts you have now and in the future This letter is to formally advise you that I am requesting you to Cease and Desist, all communications with me immediately regarding any account that you have or receive in my name or social security # now and in the future and remove all negative marks your company added to my credit report. And if you are the original creditor this may apply to you. And since you are not the original creditor, you must comply. 

Your conduct thus far is unacceptable and borders on harassment. 
Please be advised that the following apply to you. 

Pursuant to the Fair Debt Collection Practices Act : Debt Collection Practices If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, and remove all negative marks from credit report doing the investigation of this case. The debt collector shall not communicate further with the consumer with respect to such debt. 

You are governed by this Act as a third party, debt collector or creditor attorney. All communication with me including phone calls to my home or business must stop immediately. 

The only communication you may have with me is to provide proof that the accounts, have been removed and the negative comments have been removed from my credit report.
Consumer complaint received 2019-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: UMB FINANCIAL CORPORATION (KS)

I opened a credit card with XXXXXXXX XXXX XXXX. It offered no interest for 12 months on purchases and rewards of {$200.00} when {$1500.00} was charged on credit card within three months plus reward points on purchases. I had made successive payments on card and made more than minimum payment on account. After I had redeemed the {$220.00} rewards I had earned, they decided to close my account before the rewards would be credited on my account on the next statement. UMB had assured me the rewards would be credited on next statement via a phone conversation. A week later they told me I was a credit risk for very questionable grounds despite being in very good standing on my account and having a credit score of around XXXX. 

Please look into this matter for me for I feel I was purposely defrauded by UMB given they had sent me a promotional letter in mail in order to get me to open this credit card with the bonus offer. Thank You
Consumer complaint received 2019-02-16
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: Ditech Financial LLC (FL)

XX/XX/XXXX I deposited a check from an Insurance claim and it was returned, no fault of mine. Ditech reversed my mortgage payment of {$1200.00} and the insurance check of {$10000.00}, in XX/XX/XXXX. I have always paid my mortgage many days before the due date.Every month I pay an extra {$100.00} more than the mortgage payment. I have a mortgage with this company for many years and have NEVER been late. They requested the copies of my bank statement and canceled checks from my bank which I have provided. I wrote and called them every few weeks and spoke to several Managers and Customer Service Representatives. They have all promised to get the problem resolved and mail out 1 year of payment history. I have not received that from Ditech and lately I have been receiving my monthly statements late. I was informed that they are reassigning all my payments from XX/XX/XXXX to present from XX/XX/XXXX and that should resolve the problem. That has made things worst because they now have be owning {$10000.00} and reflecting that I only pay {$330.00} for interest payment for the entire year of XXXX. They have been reporting me to the credit bureau as paying late every month. Last week I received a letter that my property is in foreclosure and I need to respond to them by XX/XX/XXXX. I am a older person and this mortgage company is about to kill me. I would appreciate your assistance ASAP. Thanks.
Consumer complaint received 2019-02-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OH)

I ordered 5 items from the XXXX XXXX XXXX on XX/XX/ 2019. I had not received the items even though the website said it would take 1 to 15 days inside the the United States to receive the order # XXXX. I emailed the company on XX/XX/2019 as I had not received the order yet at XXXX. I still have not received a response or the items. I paid just for the shipping of the items of {$35.00}. The items were advertised as free on the website if the shipping was paid for a limited time.
Consumer complaint received 2019-02-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (MI)

EST contact was around XX/XX/2018, I would be short on money. I had mad arrangements for XXXX XXXX  to take 3 payment directly out of my checking account, for 3 months. It was from opening a bank account, and I had not put money into the account. So they fined me XXXX Now today I get a letter from a collection agency Sunrise Credit services a collection company. I'm trying to fix my credit due to another company 's negligence, now I've paid this bank and their trying to collect again, worse yet reported to a collection agency further ruining my credit. I want it removed, since their trying to FRAUDULENTLY SCAM ME AND REPORT TO A CREDIT COLLECTION AGENCY, I WANT MONEY TO COMPENSATE THIS DISTRESS, AND I WANT TO PRESS CHARGES ON XXXX XXXX  FOR FRAUDULENTLY TRYING TO COLLECT AGAIN WITHOUT PRIOR NOTIFICATION, AND REPORTING THIS TO A COLLECTION AGENCY. HOW DARE THEM. 

Credit Services