davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PLANET HOME LENDING, LLC (IL)

On XX/XX/XXXX, Planet Home Lending ( PHL ) conducted an escrow analysis and determined that I had an escrow surplus of {$2900.00} and issued me a refund check. On the escrow disclosure statement reflecting this change, it states that the amount of expected tax due was N/A. I even called PHL to verify that this was not a mistake, and I was told it was accurate. 

In XX/XX/XXXX, PHL notified me that I had an escrow shortage of {$4900.00}. PHL has currently refused to accept my refund payment of the previous escrow surplus. This shortage was used in PHL 's calculation to increase my mortgage payment from {$1500.00} to {$2300.00}. 

In XX/XX/XXXX, I called PHL to notify them that the calculations were inaccurate based on my taxes and the escrow surplus. At that time, PHL admitted that the escrow analysis that I received in XX/XX/XXXX contained errors. They were unable to tell me the correct amount of my mortgage payment until after PHL re-ran the escrow analysis using accurate numbers. 

On XX/XX/XXXX, I made my regular mortgage payment of {$1500.00} given that PHL admitted that the {$2300.00} payment amount was incorrect. On XX/XX/XXXX, PHL notified me that my new mortgage payment amount was {$2000.00}. 

On XX/XX/XXXX, I received a call from PHL, which I learned was a collection call. PHL stated that my mortgage payment made on XX/XX/XXXX was being held in a separate account because it was less than the required {$2300.00} payment. The same payment amount that PHL admitted was not accurate. When I addressed the discrepancy, PHL advised that they were unable to accept an escrow payment from me ( the return of the surplus in error ) until I paid {$2000.00} amount.

I was not provided with XXXX  days notice of the {$2000.00} payment amount and sent to collections within the same month PHL claims the payment was due. This can not be legal. PHL will not allow me to refund the escrow surplus payment which they issued to me and subsequently claimed I had an escrow shortage. They are using erroneous calculations to
charge me a higher mortgage payment and then changing it every other month. PHL is trying to make me pay a payment amount they told me was not accurate. PHL is engaging in fraudulent and predatory mortgage practice. Please help me resolve this issue. 

Thank you, XXXX XXXX
Consumer complaint received 2023-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MI)

XX/XX/XXXX {$500.00} Purchased with in store credit card offered at Ulta Beauty with Comenity Bank XX/XX/XXXX Called Credit Card to repot that a statement had not been received and make payment for the complete balance XX/XX/XXXX Comenity Agent took payment and removed late fees/interest one time due to statement receipt issue XX/XX/XXXX {$3.00} interest charge was added to the account without my knowledge or agreement ( apparently as daily interest, without informing me at the time of payment ) - No additional purchase had been made since XX/XX/XXXX ( balance paid on XX/XX/XXXX ) - Comenity continued to charge interest and late fees on this {$3.00} interest charge in XXXX and XXXX. 
- XXXX - after realizing what was happening, I contacted a bank supervisor to inform of problem, they reviewed phone conversations from XX/XX/XXXX and confirmed that no information was provided regarding additional late fees to be charged after full payment was made on that day. Supervisor was to review with management and seek credit to close issue. 
- Called back XXXX more times and was told after another review they can not help and that would still be responsible for all interest and fees, however they would again escalate to Sr. Management - Called back on XX/XX/XXXX- they still would not waive these fees but offered a {$10.00} credit, I reluctantly agreed only to close the issue and I paid the balance. Agent said wait XXXX for statement to reflect XXXX balance. 
- Called back on XX/XX/XXXX to confirm XXXX balance and learned I was charged another late fee and interest for XXXX - unbelievable! 

I maintain very good credit and pay bills on-time each month. What this company is doing needs to be investigated. Although this is a small amount, the premise surrounding the charges is extremely egregious and misleading. If this is happening across all of their customers, they are fraudulently misleading and profiting from the public.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ARVEST BANK GROUP, INC. (GA)

Arvest Mortgage is reporting that I was late on my payment back in XXXX of 2023. It is currently being reported to XXXX, XXXX, and XXXX. However, I was never late for any payment. Incorrect data is being reported to all 3 credit bureaus.. In the past, I have talked to Arvest Mortgage and it was supposed to have been fixed but still it is not fixed.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 U.S.C. 1681 section 602 states I have a right to privacy, 15 U.S.C. 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instruction. Under 15 U.S.C. 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (VA)

I, XXXX XXXX am a natural born live and breathing human being, Pursuant to 15 USC 1681 section 602 states I have the right to privacy. This is an invasion of privacy as well! In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 15 USC 1681 ( section 604 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XXXX, XXXX, XXXX, LEXUS NEXIS, XXXX is reporting accounts on my consumer report, WITH OUT MY WRITTEN INSTRUCTION! IF YOU HAVE MY WRITTEN INSTRUCTION PLEASE PRESENT IT TO ME! ALONG WITH EVERYTHING ELSE IN YOUR FILES TO VALIDATE THESE ACCOUNTS ( listed below ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX you have 30 days to provide me with this information! In the meantime your neglected actions constitutes as FRAUD, and these accounts must be corrected within 3-4 days. UNTIL YOU CAN FURNISH THE PROOF THAT I AM ASKING FOR SHOWING YOU ARE NOT IN VIOLATION OF MY RIGHTS. THIS IS NOT A MISTAKE, I WILL FILE A LAWSUIT FOR YOUR NEGLIGENCE OF THE LAW.
Consumer complaint received 2023-09-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (CA)

NCA is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$4300.00} does not belong to me. This account was fraudulently opened through this company in XXXX XXXX XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: National Credit Systems,Inc. (SC)

I was asked to do a voluntary move out and I did just that but they are reporting as a eviction XX/XX/2022 and I called them they told me to reapply to move back I also asked management why is this reporting as a eviction and they replied its not it was a voluntary move out they also sold my information to a creditor who has been calling and harassing me
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I am writing to request your assistance in resolving a credit-related issue that I have encountered. I have made several attempts to rectify the situation directly with the creditors and credit reporting agencies involved, but my efforts have been unsuccessful thus far. 

Fraudulent Credit inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-21
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-04-17
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. (IL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$49.00} XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-13
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. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (MA)

I have the Apple Card and have been using it for a couple of years now no problem. Recently I went on XXXX in XXXX and my phone was stolen. I took all the steps with erasing my phone and all that. I was even able to use the Apple Card on my other phone for about a week afterwards. Then all of the sudden I went use my Apple Card and it was locked. Mind you this was while I was at the airport and wasnt able to get home. I called Goldman Sachs/Apple Card and they told me it was under review to verify my identity and it should be all set in 24-48 hrs. To date it has been 4 weeks with no end in sight. No reason or explanation given. Just its under review.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I am an identity theft victim. I am writing to request that you remove the following items from my credit report. Each of the transaction I have identified were made by the thief, not by me. I never authorized, used, or benefited from these transactions in any way : The following information needs to be removed from my credit report : ( BLOCK ACOUNTS WITHIN 4 BUSINESS DAYS OF RECIEPT ) Credit Inquiries .XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (NY)

To whom this may concern, my XXXX XXXX was hacked and money was fraudulently transferred out of my bank account into " XXXX XXXX  '' then wired from apple pay to another account that lists " cash card '' which is a XXXX XXXX card. I do not have a XXXX XXXX  account and the card they sent it too was added it the account and then immediately removed. XXXX XXXX ( XXXX XXXX  Bank ) should have been able to recover that information to get the card holders name and billing address because in order to even add a card to XXXX XXXX  that information is required. I have a contact that specialize in computer and science and a name of " XXXX XXXX '' of Georgia was recovered. My name is XXXX XXXX of XXXX, NY so why XXXX XXXX allowed someone to add a card with a different card holder name and address is beyond me. I then did my own investigation and found a social media account that clearly shows is scamming people. The phone number on the social media page is a number that was found in my text messages saying " ok ''. I did not authorize none of my money let alone ALL of my money to be removed from my account. XXXX XXXX  refuse to reimburse my money back so I filed a dispute with Chime XXXX XXXX XXXX  ) because that's were the funds initial came from. Chime also denied my dispute. I sent over a police report along with the screenshots of the social media account and they also have the history in account showing I NEVER move all of my money out of my account as soon as I get paid. I pay my bills through my account as well as store money in my savings. For them to not see this is unusual activity is beyond me. XXXX {$1000.00} payments were transferred they even moved the money out of my savings account! This was 4 days before XXXX! Chime is not thoroughly investigating as they deny the despite within a couple hours of it being submitted and refuse to provide documentation being used to where they are coming up with the conclusion that " no error occurred '' same for XXXX XXXX. Someone should not be able to successfully steal all of my money and get away with it. After this complaint I am also filing a complaint with the XXXX XXXX XXXX as well as the Federal Trade Commission and if no resolution I will go to XXXX and file a lawsuit against these bank companies who are covered under FDIC.
Consumer complaint received 2024-01-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (PA)

I have a debt collector reported in my experian account ( ABILITY RECOVERY SERVIce ). It says that that original creditor is XXXX XXXX XXXX XXXX XXXXXXXX with the amount of {$1100.00}. I have never heard of this LLC before nor ever borrowed money from XXXXhe said LLC. I had to idea a creditor was even there until I checked my experian account. Last year my personal information was exposed by a person who posed to be a job recruiter which I reported to ID.me since they use that website to verify my information. It couldve been a result of this.
Consumer complaint received 2024-01-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC. (GA)

Upon further Investigation, Exeter finance has been incorrectly demanding money from people. They have involved XXXX XXXX XXXX who has paid. ( See attached amount paid ) and they places a collection on my account for the same amount. 
The damages to the vehicle occurred from the repossession company THEY sent. The only people who should be paying them should be the people who caused the damage! The car was in mint condition prior to the repossession, and Exeter can not charge me {$5000.00} 2 years after the repossion was charged off! The amount they placed for collection is inaccurate! I do not owe them anything! They are trying to get money from everybody illegally and I will be seeking legal action against them! Please have this collection removed from my credit report! Again please seek the receipt of payment to Exeter from insurance company. But also keep in mind that neither of us should have had to pay them ANYTHING because it is THEIR company who damaged the vehicle during the repossession!
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I did not give written permission to have the following accounts furnished on my credit report ( 15 USC 1681A2 ). 

1 ) XXXX XXXX XXXX CHARGED OFF ACCOUNT XX/XX/XXXX Account Number XXXX XXXX 2 ) XX/XX/XXXX XXXX XXXX
Consumer complaint received 2024-01-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery obtained a judgement for a debt I do not believe is mine in XXXX of XXXX. They have the last name XXXX on the debt, that was a former name from a prior marriage. They did so without ever notifying me they were suing. I have worked for the same employer from XXXX  to present. Portfolio has sent several communications to my employer in XXXX   demanding my wages be garnished pending suit for garnishment, copies of which I now have. I contacted Portfolio in XXXX, upon receipt of the copies provided to me by my employer. I was told the debt was for a XXXX XXXX credit card. I explained I have a XXXX  XXXX credit card in good standing and I use it often, I told them I didn't believe the debt was valid. I drafted a letter asking for proof of debt and sent it with tracking on XX/XX/XXXXXXXX  to two addresses. XXXX  to XXXX XXXX XXXX, XXXX VA and XXXX to XXXX XXXX XXXX, XXXX VA because one address was on the correspondence I have but the representative I spoke with gave me a different address, which I repeated back to him and he verified. To ensure it was received by them, I sent it to both addresses. Portfolio received the letter requesting proof of debt, but never responded. I didn't receive proof of debt. Today, I received a copy of another attempt to collect that was sent to my employer 's attorney. It is my understanding that if I dispute the debt, they must provide proof of debt and until they do, must stop attempting to collect the debt. My employer has been notified now twice and it is not just frustrating but also embarrassing. I believe they are purposefully trying to aggravate the situation. I am preparing to send a response to them that I intend to mail with tracking tomorrow. In it, I advise them I am making a complaint to you. 

I think this debt may belong to my former spouse from a debt claim that occurred before I married him. We have since divorced. I can not verify this because Portfolio Recovery Associates , LLC, has not provided me with proof of debt.