davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I have had fraudulent mortgage chargers ( to my home loan ) for several years now FROM XXXX Bank. I have received many emails EVERY month saying that my mortgage is in arrears, and I am in foreclosure. XXXX customer service rep recommended that I go into a branch and make extra payments ( which I did ). This is in addition to ; my monthly electronic withdrawal payments from checking account ( see attached ). XX/XX/XXXX, my principal balance was {$700000.00} ( see attached ). I made several requests for an amortization of my loan and XXXX has not complied. I requested copies of my electoral withdrawals ( because I misplaced my checking account statements ) copies and XXXX never responded. My original loan amount was {$120000.00} in XXXX now after 30 years XXXX closed my account XX/XX/XXXX. I made an estimate of {$270000.00} in added mortgage payments, Now XXXX XXXX ( whom I never heard of ) says I owe I them {$130000.00} after I have already made payments estimated at {$350000.00} XXXX ( see attached ) over the 30 years. I made large payments of {$55000.00} once in XXXX and {$50000.00} XXXX TO BUY DOWN THE PRINCIPLE. I made {$35000.00}. in XXXX that was to pay down on my principle, but they applied it to my payments to the interested. I never asked that the payments should go to interest because these judgments were fraudulent. 
XXXX & XXXX XXXX XXXX & XXXX, such, XXXX XXXX XXXX XXXX firm REPRESENT CHASE and these law firms sent me hundreds of letters with fake judgments. These judgments were added to my prinsple mortgage balance amount. Now I want to open a claim for {$350000.00} to recoup some over charged payments that were a result of these fraudulent judgments. 


XXXX XXXX Email XXXX XXXX XXXX
Consumer complaint received 2024-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (FL)

BACK IN 2018 WAS CONTACTED BY THIS COMPANY TRYING TO COLLECT A DEBT OWED BY XXXX XXXX, IN XXXX, I HAVE NEVER LIVED IN XXXX, AND THAT IS NOT MY NAME, THEY REMOVED IT, AND NOW THEY HAVE SOLD THE DEBT TO A NEW COMPANY ATTEMPTING TO COLLECT. I FILE A POLICE REPORT XXXX XXXX XXXX XXXX CASE # XXXX. 
XXXX FILE NUMBER XXXX
Consumer complaint received 2023-01-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (CT)

ENHANCED RECOVERY has listed on my credit report, the following information : Sprint with the Account number XXXX Date opened XX/XX/XXXX Status Collection account. {$910.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$910.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$910.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX. 

I have disputed this several times and have had it removed and they continually keep putting it back on my report with a new dates. I have an open an active account with XXXX Acct # XXXX who now owns XXXX and this is the only account that I have or have ever had. I never opened an account with XXXX and any that states otherwise is completely fraudulent. I need Enhanced Recovery to cease from adding this to my account after disputing this and having it removed.
Consumer complaint received 2020-01-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MD)

My loan was transferred from XXXX XXXX to New Rez LLc on XX/XX/20, The amount due on the loan was equal to the amount held in escrow. I am attempting to pay off the loan and am unable to make such arrangement due to New Rez LLC not being fully prepared to completed the servicing of my loan.
Consumer complaint received 2020-01-02
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SUN FINANCE COMPANY, LLC (MI)

I tried to apply for a new mobile home. I was denied due to a old debt with XXXX  XXXX from XX/XX/XXXX for {$3500.00}. They report it again in XX/XX/XXXX..I was told that was illegal..I filed bankruptcy in XX/XX/XXXX. My application for a mobile home was denied in XX/XX/XXXX for a new place. My debt with XXXX  XXXX was put in my bankruptcy. XXXX   XXXX also said it showed it was placed in my bankruptcy but I need them to please remove it from my credit check.. its the only thing thats showing on my background and keeping me from trying to move forward.
Consumer complaint received 2018-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (TX)

This company shows as doing a hard inquiry into my credit report. 

I have never deal with this company and I have no accounts with them. 

It appears on my credit report on XXXX, XXXX and XXXX
Consumer complaint received 2023-02-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One has consistently been reporting to credit agencies a different amount than is owed. The debt has been verified by XXXX XXXX XXXX, they initiated a garnishment against myself for the debt. The garnishment has since been completed ( XX/XX/23 ) and there is a remaining balance, however the updated balance as of ( XX/XX/23 ) is substantially more than is actually owed. I have filed several reports inquiring about the balance and have yet to have any clarity, but i do have documentation proving that it is not that high. Please refer to the email screenshot provided.
Consumer complaint received 2020-01-02
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. (OH)

I have credit monitoring through XXXX XXXX and XXXX XXXX. I was notified of a new inquiry on my on my Equifax report for XXXX XXXX XXXX/XXXX XXXX on XX/XX/XXXX, for a XX/XX/XXXX credit card. I contacted Equifax to dispute the inquiry as I did not apply  for a XX/XX/XXXX credit card or authorize the inquiry. Equifax investigated the inquiry and decided that the inquiry was factual. I also contacted Target and information used on the application were both old and false. I am unhappy with the decision made my Equifax to leave the inquiry on my report because I dont believe the investigation could have been that thorough if they couldnt decipher between current and accurate information and old information.
Consumer complaint received 2023-01-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

Hello : My daugther Died on XX/XX/XXXX during the covid thing. I was eventually forced to catch up all her house payments XX/XX/XXXX or they ( Wells Fargo ) was going to start foreclouser on her house. I sold her house in XXXX XXXX. I called Wells Fargo and asked if there was any money to me. On XX/XX/XXXX they told no money was owed to me without any research being done. When i mentioned the CFPB name they were very short with any question I asked about a refund of any kind. Can anybody help on getting a complete answer on if I am entitled to any refund home payments and payoff of her home. thanks in advance.
Consumer complaint received 2019-12-23
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. (NJ)

Back around XXXX and XX/XX/2019 I sent and reported to the credit bureaus that there were some fraudulent accounts actively reporting on my credit report and nothing was done. I complied with there requirements by providing supporting documentations including my id and ss and police report and to this day the fraudulent accounts with XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  XXXX are still reporting on my credit report and misrepresenting my true credit profile.
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (OH)

Our mortgage was sold to LoanCare in XXXX of XXXX. We immediately received a disbursement from our escrow account from an overage they incorrectly calculated. Our property taxes are due semi-annually and the first analysis they performed they assumed the property taxes were only due annually. In the past 2 months we have had to request 4 more analysis and/or escalations as we have property taxes due XX/XX/XXXX. As of today, XX/XX/XXXX our escrow account is still wrong, we are being sent a second overage check of our escrow account, and our property tax disbursement is still not scheduled until XX/XX/XXXX. Our escrow account is now so underfunded that it is only half of the balance for our property taxes due in less than 2 weeks. On my most recent call they noted that the taxes are handled by the 3rd party vendor and they were not able to do anything for me without a few day wait for the vendor to look at our taxes again. They promised that they would be liable for any fees assessed by XXXX XXXX, but I am not able to get that in writing.
Consumer complaint received 2020-01-02
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION (NC)

I had contacted M & T Bank back in XXXX / XX/XX/2019 that I was selling my home. My home sold on XX/XX/2019 where the proceeds to " PAY OFF '' M & T bank were wired the same day of XX/XX/2019. M & T Bank did not update their records and website to reflect that the mortgage I had was PAID IN FULL, and started Foreclosure proceedings on XX/XX/2019. To DATE, the records are not updated, correct, or have the correct amount PAID IN FULL of the mortgage account I had. 
I have written M & T bank Certified letters and to date this bank stills respond back incorrectly as to the facts and amount of the balance owed.
Consumer complaint received 2023-12-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

Mohela misapplied my XX/XX/XXXX  payment and issued me a past due notice in error. 

I have 12 federal student loans. For my XX/XX/XXXX  payment, it did not apply the fully monthly payment to one of my loans, instead applying it to 3 other loans. 

On XX/XX/XXXX, I called and wrote Mohela about this discrepancy. I asked them to apply the correct monthly payments to each of my loans as I had authorized when I enrolled in auto debit. While they fixed the problem with this loan in question, Mohela then XXXX  out my payments for eight other loans and applied it to just three loans for my XXXX payment. It now shows that I am past due despite having paid my monthly payment in full. 

I called again on XX/XX/XXXX, the Mohela representative I spoke with told me they were going to fix the problem on their end but gave me no estimate of how long it would take. To fix the problem going forward, Mohela had me cancel my auto debit and told me to re-enroll in order to benefit from the .25 % in interest savings. As of XX/XX/XXXX, it still shows that I am past due with incorrect amounts owed for next invoice due on XX/XX/XXXX. 

I am specifically asking the Department of Education to put me on administrative forbearance so that I am not penalized for their errors.
Consumer complaint received 2019-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
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 (AZ)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-01-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Wellmont Health System (TN)

I am receiving medical collection debt calls from a 3rd party company called MCOT, Inc who states I owe a balance to a client by the name of XXXX XXXX XXXX yet their client is unable to provide a written documented time stamped audit trail showing that I actually owe them anything or that they every tried to notify me in writing that I owed a debt yet MCOT still calls threatening to ruin my credit if I do not pay up the amount they say I owe their client.
Consumer complaint received 2024-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (SC)

This negative collection account by Credit Collection Services was reported to the credit bureaus, and added to my credit report. I have NO KNOWLEDGE of this debt, and have never personally had an account with Credit Collection Service. 



I also search up on the XXXX  website to verify if this company Credit Collection Service ( CCS XXXX XXXX ) is legally licensed to collect any debts for the state of South Carolina, where I reside as a resident and they do not currently have a Couth Carolina license. 

Any attempts that CCS XXXX, XXXX is making to collect on a debt within South Carolina would be considered illegal due to no license. This is fraud.
Consumer complaint received 2023-05-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/XXXX I contacted the Bank Of America fraud department for XXXX payments withdrawals from my account I did not authorize. XX/XX/XXXX I got a letter stating a decision was made XX/XX/XXXX in my favor that these withdrawals were fraud and a check would be mailed to me in the amount of {$3400.00} on XX/XX/XXXX. XX/XX/XXXX I spent over an hour at the Bank of America XXXX PA branch updating my mailing address and trying to get a status update on the fraud reimbursement check I never received. The gentleman on the phone said a credit was made to a closed account and the money was in limbo. He thanked me for bringing this to the banks attention and I would recieve the check in 7-10days. XX/XX/XXXX I spend over 1.5hrs at the Bank of America XXXX PA branch with XXXX the branch manager trying to get an update in the same reimbursement check I still had not received. The final result that day was to return XX/XX/XXXX when the fraud department was open. I came in XX/XX/XXXX and after over an hour of department phone calls with the branch manager XXXX, we were told the check was going to be mailed that day, Monday XX/XX/XXXX. Wednesday XX/XX/XXXX I again entered the Bank of America XXXX PA branch to receive an update to the fraud reimbursement funds check. After over 2hrs of phone calls between departments the branch manager XXXX escalated my complained to her supervisors. I called XXXX XX/XX/XXXX to see if there was any update at which point she informed me the fraud department overturned their decision in my favor and I am no longer entitled to a reimbursement of fraudulent charges.
Consumer complaint received 2020-01-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (GA)

I spoke with a supervisor named XXXX in XX/XX/XXXX regarding a debt of {$600.00} which they purchased pennies on a dollar from XXXX. I wanted to talk settlement as I requested she submit in writing the amount of the debt along with an arrangement and to also clear my credit file of such debt. The arrangement paying {$500.00} inlieu of {$600.00} and for them to submit in writing the arrangement. She mentioned they would sue me if I did not pay. I was served with a notice XX/XX/XXXX of a civil suit filed against me which would include fees they accrued from filing. A simple request to someone that was negligent turns into a legal matter as I did not agree on payment or this debt without a written confirmation. Which I never received.
Consumer complaint received 2020-01-02
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: Experian Information Solutions Inc. (FL)

EXPERIAN WILL NOT CORRECT INACCURATE information from my report! 
THEY ARE USING THE E-OSAR FOR DISPUTING! 

The FOLLOWING accounts below has an INACCURATE Highest Balance of {$4800.00} XXXX ACCOUNT XXXX
Consumer complaint received 2020-01-02
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: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I have requested debt validation TWICE from Portfolio Recovery on an account that they have listed on all of my credit reports. The first request was from XX/XX/2019 and the second request was XX/XX/2019. They will not respond to my requests.
Consumer complaint received 2024-02-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I used XXXX to search a customer service number for XXXX to reset my passkey for my XXXX account on my new XXXX. On the phone they told me my passkey was reset and i needed to confirm my account by activating my debit card. They requested a payment of {$5.00} x 3 that would be refunded to my account as soon as they confirmed the payment. I accidentally sent {$590.00} but this did not go through. Believing that this was XXXX i kept trying to submit this amount not realizing it was {$590.00} instead of {$5.00}. My card was then locked by Bank of America. I asked the customer service representative to get on a call with my bank to confirm the transactions and they refused to do this. This is when I realized that I was not talking to a representative from XXXX  but was a product of a scam. In total they scammed {$990.00} from me. I submitted all proof of this information from Bank of America but they were not were able to help with my claim. They said the receiving bank denied reversal of these funds.
Consumer complaint received 2020-06-10
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. (FL)

This company is reporting inaccurate information for an account balance that does not belong to me. The account is XXXX XXXX consumer. I have contacted this company several times regarding this account with no resolve. 

This company has not provided me an documentation to support their investigation that the account and balance is correct. I am a victim of ID theft and predatory lending, and unfair and deceptive trade practices through XXXX XXXX XXXX. This company, along with XXXX is intentionally reporting inaccurate information that I have no knowledge of.
Consumer complaint received 2020-06-10
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. (FL)

This company is reporting inaccurate information for an account balance that does not belong to me. The account is XXXX XXXX consumer. I have contacted this company several times regarding this account with no resolve. 

This company has not provided me an documentation to support their investigation that the account and balance is correct. I am a victim of ID theft and predatory lending, and unfair and deceptive trade practices through XXXX XXXX XXXX. This company, along with XXXX is intentionally reporting inaccurate information that I have no knowledge of.
Consumer complaint received 2020-01-02
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: Ad Astra Recovery Services Inc (TN)

I have requested debt validation TWICE from Ad Astra Recovery Services. The first request was from XX/XX/2019 and the second request was XX/XX/2019. They will not respond to my requests.
Consumer complaint received 2020-01-03
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.Q. DATA INTERNATIONAL, INC. (GA)

I tried to settle the debt when I was first contacted even though I dont feel that I legally owe the debt. The original representative attempted to coerce me into taking a high interest title loan. I was contacted again during my working hours and requested not to be contacted before XXXX as I could be reprimanded for using my phone at work. Since then I have been contacted repeatedly during working hours even after I requested multiple times not to be. Every time I tried to work with them I was told that they would settle but for more than the original amount. Some of the representatives have been very rude or pushy towards me, They have told me conflicting information as to who owned the debt, and they have repeatedly threatened to " take further action '' without specifying what that was. The last woman to call said she wouldn't waste her time attempting to deal with me and hung up on me. At this point I think they have racked up more violations of the fair debt collection practices act than they claim I owe.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.