davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

Several times between XXXX and XXXX, my checking account was charged overdraft fees after pending charges were drawn because Wells Fargo was taking the charges out of order to create an overdrawn amount. They also charged the fees before crediting my deposits made within the same timeframe, which absorbed funds fraudulently. I contacted the bank several times, and in some instances, they returned some of the overdraft fees, however, most they would not return. Between XXXX and XXXX of XXXX, this practice resulted in over {$400.00} in overdraft fees alone, which they refused to refund in any part. During this time period, their practices resulted in the loss of an entire paycheck which set me back even further financially.
Consumer complaint received 2022-11-11
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. (GA)

in accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX has voilated my right 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 602 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-12-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC. (MN)

I got hurt from XXXX XXXX big time I couldn't pay my mortgage. 
Last XX/XX/2023 I did a modification with the mortgage company ( SPS-Select Portfolio Servicing Inc. ) XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ) Phone Number XXXX Till now they have kept asking me for the same documentation for more than six months My pay stubs Bank statements Taxes Date of hiring and more and more documentation like Military leave and I never served in the army!!!!! 
I sent everything and they are still asking me for the same documentation I have all the letters I got from them and they are threatening me with foreclosure I am living in my house for more than 21 years I have a XXXX job plus XXXX other jobs ( XXXX ) I make enough money to cover my monthly mortgage but the mortgage company they want to build up my monthly payment for some reason Even the HUD agent she is wondering I got everything and she has all my documentation, I can fax or send everything to you and the hud phone number I really don't know what I can do Please, we need your help Thank you
Consumer complaint received 2019-12-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MA)

I XXXX XXXX am trying to avoid filing a chapter XXXX bankruptcy petition. However, before I do that I want to obtain the actual ownership of my current creditors that went into default several years ago. I hereby file a qualified written request on each defaulted creditor, and if any of these debts were sold off to a third-party debt buyer, then I will review the proper documentation to make sure all proper legal requirements were initiated. Accordingly, I request full validation of the stream of ownership on each account under reinvestigation.
Consumer complaint received 2024-02-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to address the fraudulent accounts associated with my name and identity within your system. I have undergone the necessary steps to process an identity theft investigation, and I am enclosing the Identity Theft Affidavit along with this letter as evidence of my claim. 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, and XXXX XXXX
Consumer complaint received 2022-10-04
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: Experian Information Solutions Inc. (TX)

I recently received a result from a dispute that you Experian stated that they finalized 2 weeks ago. Under FCRA 611 ( a ) referencing an erroneous or inaccurate item ( s ) on the credit report involving some type of transaction that I am not familiar with. I am saddened to learn that you somehow verified this disputed item, stating to leave it on my report. I am absolutely certain that these items I disputed are incorrect and should be deleted, they have given me no choice but to exercise my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate the accounts in question and disputed. 

XXXX XXXX XXXX - Send complete method of verification XXXX XXXX XXXX XXXX - Send complete method of verification XXXX XXXX XXXX XXXX Send complete method of verification I am readily interested to learn how their investigator arrived at this erroneous conclusion. I demand to see a complete list of all and any documents along correspondence from each person contacted. I asked them to include all names, addresses, and contact information of employees that you spoke to as part of this investigation including the date and time with phone number given. They did not provide this information and noted these accounts as verified? This verification is critical because my credit report and credit scores are very important and of value to me. I believe it is being unwarrantable, hurtful, and undeserving to a consumer like myself who truly cares about his credit. These unfortunate errors reporting need to be deleted in order for me to be competent and able to maintain great and attain credit. I am in the process of organizing and laying the groundwork for a possible legal case, so I need certain and specific answers related questions I have demanded within this letter based on your information supplied.
Consumer complaint received 2021-11-18
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: EQUIFAX, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-10-04
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: Bread Financial Holdings, Inc. (FL)

Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.
Consumer complaint received 2022-10-04
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. (FL)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX -XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

XXXX U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-07-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MI)

I am currently paying my mortgage payment to Ocwen Loan Servicing LLC. On XXXX-2017 I mailed a payment in the amount of {$730.00}. They received it on XXXX-2017 which was a day before a late payment was to be assessed. In the meantime, I was in the process of trying to refinance with XXXX XXXX for a lower rate. Unfortunately, it was denied because of two late payments in 12 months. Today I received a letter from Ocwen, 16 days later stating the payment was returned unpaid twice due to insufficient funds. This is not true! I checked my account on-line and there was no indication that the check was ever submitted for payment. After I could n't find any information relative to the check, I contacted my bank and was told they did not submit the check at all! There is not a insufficient fund of {$35.00} reflecting in my account and they are lying about submitting the check. Now Ocwen is attempting to apply a late fee as well a late payment reflecting negatively on my account. When I called I got absolutely no where with the Customer service representative and to add fuel to the fire, I am currently enrolled in the HAMP program and this is the 6th year in which {$5000.00} is to be deducted from my principal balance ( ONLY IF I AM CURRENT ). I am so disappointed with them I am afraid to send XX/XX/XXXX payment because they have manipulated XX/XX/XXXX payment. PLEASE HELP!
Consumer complaint received 2016-12-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (UT)

XXXX is reporting XXXX collection accounts on my credit report. I have contacted the company requesting the production of documentation that I signed binding me to the XXXX debt. They can not produce any such documentation. The XXXX alleged account are causing harm to me. I believe my medical information has been released with out my consent. On the billing statements it lists dr ' s office, type of dr , and what services were preformed. I do n't want that information out there. And they re age the accounts. The account numbers on the statement do not reflect those on my credit report.
Consumer complaint received 2022-10-04
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. (NY)

I recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or a credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus this shouldn't be any late payment on these accounts. These are unquestionably billing issues, thus I demand to see concrete evidence from the creditor 's bank accounts that I failed to pay and was flagged as being past due. The disputed accounts are listed below. 
XXXX XXXX Balance Owed : {$3500.00} ; XXXX XXXX Balance Owed : {$4900.00}
Consumer complaint received 2022-10-04
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

Fraudulent Inquires XXXX XXXX XXXX XX/XX/2022, XXXXXXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 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
Consumer complaint received 2023-01-21
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account XXXXDept of Ed XXXX XXXX, has violated my rights. 

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
Consumer complaint received 2024-01-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jon Barry and Associates, Inc. (MS)

Dear collection agent, I reviewed my credit on ( XXXX ) and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from ( XXXX XXXX ), the original creditor but I am unaware of the bill and breakdown of any fees/services. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( XXXX ) to protect my privacy and medical records from third parties. I do not recall giving permission to ( XXXX XXXX XXXX XXXX  ) for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.

Please provide breakdown of fees/services including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information to you.

Cease any credit bureau reporting until the debt has been validated by me.

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back via certified mail.
Consumer complaint received 2018-03-02
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (NC)

On XX/XX/2018 I purchased ( XXXX XXXX ) from a website called XXXX and after not receiving my tracking number for the order after a day and half I called my bank to file a complaint concerning this issue. I order from online pretty frequently and Ive never waited over 24 hrs to receive a tracking number so it raised suspicion to me and so after going back to the website and calling the customer service number and me being forwarded to the voicemail 5 times I called my bank immediately to have the stop the payment. They told me NO wait until a week before I file a complaint or dispute but I keep urging and telling them this didnt seem right because again I order online all the time and Ive never had this issue with a seller before. I told them I wanted my money back because I tried to tell them that the website was fraud they kept telling me to wait and after three weeks they finally listened to me and started an investigation at this time Im disappointed and upset because thats {$99.00} Im out of and that couldve been stopped if they wouldve listened to me before. I want them to release my {$99.00} to my account. Ive tried calling several times to get it back they dont seem anxious enough about getting my money and is telling me that it could take 120 days Im not waiting that long then they told me I may not get my money at all but thats not fair because I called them in time enough to have it stopped they wouldnt listen. I told the Supervisor to check in XXXX when I called because they supposed to keep records and notes and recordings of every single call and that wasnt done. Im very upset
Consumer complaint received 2024-02-22
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. (PA)

I am writing to follow up on my previous dispute regarding unauthorized hard inquiries on my credit report. Despite my initial complaint, I have not received any correspondence or notification confirming the removal of these inquiries from my credit file. As I stated before, I am deeply concerned about the presence of unrecognizable information on my report, and I know it is essential to reiterate the gravity of this matter.
Consumer complaint received 2021-08-31
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have an hard credit inquiry that wasnt fraudulently placed on my XXXX credit report. I have been a victim of fraud before and have a fraud alert on all my credit files. Made several attempts to contact the issue XXXX XXXX XXXX. And still the inquiry remains.
Consumer complaint received 2017-07-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Harley Davidson Financial Services Inc (NC)

Purchased and financed a XXXX Harley Davidson Ultra Classic Glide, Purchased around XXXX 2012 from XXXX XXXX XXXX XXXX NC. The day of the purchase I was told they we 're throwing in for free a tire and wheel warranty. After rushing me to sign everything they handed me the key and tag and said I was good to go. But they failed to give me copies of all the financial documents, I ask for them and they said they would mail me my copies. By law they suppose to give me copies on the spot before leaving but that did n't happen. I received the documents in the mail three days later, after reviewing the free tire and wheel warranty was n't free and instead they charged and added it to the financing at a cost of {$2000.00}. I called them and complained they said I need to call the finance company Harley Davidson Financial Services, So I did. The finance company said I can cancel the {$2000.00} warranty and they would give me a refund credit on the end of the loan. So the {$2000.00} would come off the end of the loan. But they never gave me credit, so I hired an Attorney and he contacted the Finance Company who  than supposedly gave me credit off the end of the loan. also had a licensed accountant review all the financial documents, he told me they took my payment but added my interest back which they did n't suppose to do. Also if they would have added the refund at the end of the loan it would have made my monthly payments, Interest ETC less per month but everything stayed the same. The last couple of years I have been paying the principal because I have already paid all the interest that was owed. I contacted the finance company to get my payoff, my payoff should be {$1800.00} but they are saying I owe {$3800.00} which they said is interest. In other words they never gave me credit nor did they take off the {$2000.00} for the tire warranty if so the payoff would be {$1800.00} or less.
Consumer complaint received 2022-11-11
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. (OH)

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

DP OF EDUC 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 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (NC)

TD Bank is harassing me because their systems are antiquated and inaccurate. 

I'm doing a construction loan and as such my payment varies each month. I paid them my XXXX payment on XX/XX/XXXX. I'm not sure what happened, because I can not see my statements online, but I ended up paying an amount that represented 98.3 % of what I owed them. 

Unfortunately, as the loan amounts are variable each month, I can't set up autopay. When they sent a letter saying I owed less than 2 % of my balance in XXXX, I promptly sent the bank the remaining 1.7 % of my payment. Their online banking system shows that the payment cleared on XX/XX/XXXX. 

For the last week the bank has called me 5-6 times a day about an " overdue loan '' which is just incorrect. They've called me 7 times since my payment cleared, and the bank representative nonchalantly said " yeah it takes a while for our systems to update. '' I asked the bank to never call me again and the bank said that " it could take up to 30 days for the calls to stop. '' Unacceptable and antiquated. 

The bank 's systems make it impossible for a customer to pay on time and they keep harassing customers after debts are paid.