davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NE)

XXXX charged my mortgage company more than {$7000.00} for my homeowner insurance premium and has collected over {$14000.00} in the past 2 years regarding such. In XXXX, i was paying only XXXX XXXX yearly for this XXXX home in Nebraska. I purchased this home in XXXX for {$89000.00} at a fix rate. In XXXX during and after COVID. Currently my monthly payments have increased to {$1900.00}, nearly tripling despite the average cost for premium home insurance in Nebraska on a {$250000.00} home is less than {$2500.00} yearly. I'm now facing foreclosure because of this. 

As a result, my mortgage company XXXX XXXXXXXX XXXX XXXX has sent me a " Promissory Note '' package that partially includes the more that {$14000.00} dollars they paid XXXX for homeowner premium insurance.
Consumer complaint received 2020-08-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MS)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-11-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (NJ)

I have a home equity loan with : TD Bank XXXX XXXX XXXX XXXX XXXX, Nj XXXX XXXX XXXX XXXX : XXXX I plan my budget and pay my mortgage payments when money is available. 

On XX/XX/2022, we paid our mortgage in the amount of {$2400.00} The check cleared on Saturday XXXX XXXX. 

On XX/XX/2022, the payment still has not posted. 

I have called the mortgage department numerous times. They claimed in their system the payment was 'lost '. The research department is currently trying to 'find ' it. 

This is the 6th time in 3 years. 

The bank appears to be unable to process checks for mortgage payments. Per tellers, the process is very confusing. But it requires a customer to be vigilant always and check to ensure the process has cleared. 

All the while I am subject to interest on something I paid for 5 days ago.
Consumer complaint received 2022-12-30
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. (CO)

Please update my address to : XXXX XXXX XXXX XXXX CO XXXX. Please update my name to : XXXX XXXX, My only social security number is : XXXX and my only and correct date of birth is : XX/XX/1974 I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2022-12-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY (DC)

TD/XXXX  Bank advised me on XX/XX/2022 to make a payment of {$45.00} to go into a payment settlement agreement. Once I paid the amount XXXX Representative stated the Specialty Department is unavailable. I was told they would call me back. TD bank did make several attempts to call but the phone thinks it's spam and blocking the call. They did get through once and I was hung up on while they were discussing the terms of the agreement. TD bank has still not provided a letter regarding this agreement and continues to play games when I call.
Consumer complaint received 2020-08-05
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: Experian Information Solutions Inc. (TX)

I recently checked my credit because I want to buy a house and saw inaccuracies in my credit report with personal information. There is a name, 2 addresses, and a previous employer that are inaccurate. On XX/XX/20, I mailed a letter to Experian asking to please make these changes. They did not respond and also did not make any changes.
Consumer complaint received 2022-12-30
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. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2020-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NJ)

i have beena customer here for years. Business plus card and i have tried to resolve this as i have filed XXXX complaint against XXXX XXXX. Being unemployed but needing a computer i did a price match before buying in early XXXX. i was told on XXXX XXXX chat they would honor a XXXX price match. due to phone ringing i was unable to save chat. i was told i would be credited AFTER i bought the computer. did not happen. i called Am ex early XXXX to dispute it. Well XXXX XXXX did answer only submitting a receipt nothing about the chat. so i called today XXXX XXXX XX/XX/XXXX and am told it would be resubmitted. I mean the whole dispute was not handled right since i was CLEAR in XXXX as to the issue. Now i am getting an email asking for more info in a detailed letter i have no other info to add. i know my consumer rights and know i would not have bought it at the reg price. it appeared i was lied to and thru little fault of my own i was unable to save the transcript of chat. i need help to get the XXXX back and i have no other docs other than my good name. i will help but i am owed back the XXXX and it should come from XXXX XXXX i dont appreciate this.
Consumer complaint received 2023-02-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (IL)

XXXX XXXX/ XXXX is a fraud ACCOUNT that I had no knowledge of. I never opened an account with this creditor and it's illegally reporting on Equifax and XXXX. Can you please remove this fraud account. I have asked multiple times to provide a contract with my signature which the credit bureaus mentioned have not done so.
Consumer complaint received 2020-08-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (AP)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX XXXX. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

XX/XX/2020. Funds where taken out by XXXX XXXX XXXX in about of XXXX. Call wellsfago to stop charge and get a new card on XXXX XXXX XXXX was not authorized to make this payment.but did it any way..
Consumer complaint received 2023-02-18
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

I initially disputed XXXX account # XXXX with Experian on XX/XX/2022 however the company didn't complete the investigation within 30 as outlined by the FCRA. The above referenced investigation is XXXX. The company did not respond until XX/XX/2022 which is nearly 60 days later. This account has never been paid late and should be removed from my consumer report at once.
Consumer complaint received 2022-12-30
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. (CA)

Transunion is reporting inaccurate information on my credit report. 

XXXX XXXX XXXX XXXX The account Pay Status of the account was recently updated to Account paid in Full was a Charge-off from Sold : was a Chared-off. I didnt make any payment but this account was updated. This is either misconduct or negligence by Transunion reporting inaccurate updates in my consumer report. I am requesting that Transunion provide clear documentation that XXXX XXXX XXXX furnished this report or take responsibility for the update. 

This account has continued to cause pain to myself and my family. It has continued to jeopardize my financial progress leading to loans, mortgages, credit card, and auto loan denial. I recently filed a dispute against Transunion on this account with CFPB ( send attachments ). Clearly, Transunion didnt conduct the investigation to verify the accuracy of the account as reported.
Consumer complaint received 2020-08-05
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

SYNCB/WALMAR XXXX Opened : XX/XX/2017 Said " I should close it '' never asking for closure Meantime the card reports closed by bank when I am guessing that my call had something to do with this for the miss-understanding of what to do, which closed it and then had to re apply After I opened the newer card, I was issued a smaller limit, like the TJMAX trick they pulled on me. So I closed the account.
Consumer complaint received 2022-11-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lamont, Hanley & Associates, Inc. (CA)

XXXX was my health insurance provider in XXXX. They have wrongfully sent a disputed debt to a collections agency for {$760.00}. 

I received prior authorization in XXXX, XXXX, and XXXX from XXXX for treatment by an out-of-network XXXX. Despite the prior authorization for care, and despite filing grievances through XXXX XXXX  they consistently failed to correctly process claims. Each claim submitted required a complete grievance process to ensure appropriate reimbursement. I eventually filed a complaint in XX/XX/XXXX with the CA DepartmenXXXX XXXX XXXX XXXX XXXX that confirmed my prior authorization. The resolution was supposed to be for XXXX to process future claims correctly. Findings are attached for reference. Despite these findings, XXXX continued to incorrectly process claims, and I continued to dispute those incorrect claims through the grievance process. 

As of XX/XX/XXXX, XXXX began sending an incorrect request for reimbursement for XX/XX/XXXX treatments. I filed a grievance with XXXX on XX/XX/XXXX. XXXX did not confirm the grievance was catalogued in their system until XX/XX/XXXX. The grievance is listed under XXXX. As of XX/XX/XXXX, this grievance has not been addressed. 

I also filed a complaint with the CA Department XXXX XXXX XXXX on XXXX. The department released their findings and resolution on XX/XX/XXXX, stating, " XXXX XXXX XXXX has approved your request for as a one-time exception and will remove you from collections and/or avoid collective action. '' Despite this finding, XXXX incorrectly submitted the supposed " outstanding amount '' to a collections agency, Lamont , Hanley & Associates, and I received a collections notice dated XX/XX/XXXX. On XX/XX/XXXX, I emailed both the collections agency and XXXX with documentation to refute claim, including letters of prior authorization and findings from the XXXX. Lamont has not acknowledged receipt of the email, and I received a phone call from them XX/XX/XXXX at XXXXXXXX XXXX XXXX only acknowledged receipt of my email after I sent a follow-up email on XX/XX/XXXX, and a separate email on XX/XX/XXXX that referenced measurable material harm from the impact on my credit.
Consumer complaint received 2020-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc. (FL)

You are reporting my credit score at XXXX. It was XXXX, 3 years ago. My credit score with XXXX is XXXX. It seems you should update your records before reporting a faulty credit score. I have worked so hard to get this up and you made me look terrible. Thanks a lot! 

XXXX XXXX was able to help me finance a car.
Consumer complaint received 2022-12-30
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2020-08-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Carter-Young, Inc. (GA)

Carter Young is fraudulently verifying account XXXX on my XXXX   report. 

Carter Young Inc is still attempting to collect on a debt that was already PAID to the original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I paid the original creditor on XX/XX/2020, however Carter Young is still Fraudulently verifying this debt on my XXXX credit report.

This is fraudulent reporting because Public Law 104-191 ( " HIPAA '' )  since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due. 

I demand XXXX and Carter Young DELETE ALL. references to this account IMMEDIATELY.
Consumer complaint received 2017-05-24
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: ENCORE CAPITAL GROUP INC. (MD)

XXXX    XXXX   XXXX   : Amount : {$4900.00} I had called before and closed the account and made payments arrangements on the account faithfully! That was probably sometime in  XXXX . I made all payments as agreed on the closed  XXXX   XXXX   XXXX  which they have agreed to.     Then in  XXXX   XXXX  ; I had to have   XXXX   XXXX    XXXX  and had complications ; so I was out of work for at least  two ( 2 )  months ; and had reduced pay ; so I was not able to pay the amount owed ; I called them at least three times to discuss ; and the collection agents were not negotiable at all and said I had to pay the whole amount. I told them I could not and they said well you have to pay. I tried to negotiate a lower payment and they did not want to listen and they were just rude agents. Their tactics were not good. I tried to pay like {$25.00} toward the bill and they would not agree. They basically hung the telephone up on me!     They are suing me now ; which I do not think is right ;  XXXX  is in Bankruptcy Court and they are having financial problems so they should work with their clients also in this situation as they know financial troubles also.  XXXX  is who the  XXXX   XXXX  was affiliated with.     I would like to pay {$25.00} per month on this bill as I am attempting to do something. I do not want to go to court or be sued or garnished wages in this endeavor.     Any assistance or counsel you can give in this matter with   XXXX   will be greatly appreciated!!!      XXXX   XXXX   XXXX  XXXX  XXXX  For  XXXX   XXXX  - Debtor
Consumer complaint received 2022-11-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (PA)

On XX/XX/XXXX, I contacted Aidvantage to request a refund of {$19000.00}, all payments made after XX/XX/XXXX. I received verbal confirmation on the call I would receive a refund within XXXX weeks using the payment method I paid each payment with ( which were all from the same account via ACH ). On XX/XX/XXXX, my account balance updated on Aidvantage 's website, with XXXX payment missing from my history. I called on XX/XX/XXXX to inquire about the missing payment, and they said it was showing up on their end and due to " site maintenance '' it was missing. It still has not shown up on my end. I was also told that I could now expect to receive my refund after XXXX weeks, and they are unceratin if I will be receiving a paper check or a deposit. Even though my Federal Student Aid dashboard shows my loans amended, and my credit report reflects a higher loan balance, I am still without my refund after being told XXXX weeks initially. Representatives can not tell me when or where my refund is, and refuse to provide any written confirmation of conversations.
Consumer complaint received 2020-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I noticed on XX/XX/XXXX that XXXX XXXX XXXX was reporting account XXXX on my XXXX report. Also, I checked Experian and XXXX and noticed XXXX XXXX is reporting to these two bureaus as well. I NEVER received any noticed prior to them placing this debt on my report for XXXX XXXX so I could have disputed this debt, which is a violation of my FCRA rights. The collection agency has re-aged this account to a date of XX/XX/XXXX. However, according to the original creditors date of first delinquency this is INACCURATE. I'm requesting that all three credit bureaus delete this account  immediately. I have tried to have this rectified through disputing but XXXX and the CRA 's fraudulent verify this information is accurate. 

In addition, XXXX XXXX is reporting an INCORRECT balance that is different from the charge off amount of the Original Creditor. 
This have caused harm to my reputation and prevented me from obtaining a mortgage.
Consumer complaint received 2022-11-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

XXXX conti The last WF rep did not return my XXXX return calls. 

ext XXXX XXXX XXXX. 

XXXX XXXX never called back. 

For the record. 

Loan should have never been initiated, the in house WF loan officer pressure me to close the loan, threatening litigation. XXXX XXXX XXXX can easily be found on linkedin https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The builder has since gone bankrupt. XXXX XXXX XXXX XXXX XXXX  The term of the loan were made very difficult and I asked for some leniency that was denied. 

I eventually closed out the loan sold the property. 

WF sent me a XXXX XXXX and an apology for their fraudulently behavior and pretended that it was due to inappropriate issue related to a CHECKING account linked to the HELOC loan. The Checking account is only a diversion from the issues. 

WF has offer to resolve the issues in mediation. Round one claimed that I accepted resolution for all issue when only issue discussed during mediation was the checking- very unhanded.

So please have WF mediate the real issues and compensate for their fraudulent activity as it relates to the HELOC Loan. Thank you
Consumer complaint received 2022-12-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BMW Financial Services NA, LLC (MA)

Received a letter from BMW Financial dated XXXXXX/XX/2022. Demanding {$16000.00}. Under Title 15 USC 1692e ( 4 ) - Foreclosures, Repossessions, Wage garnishment, or arrests are all illegal in the collection of any debts. 
My vehicle was Repossessed and BMW Charged off the amount due as income.

Notice, it is a fact, there was a repossession, that I, the affiant have proof of in Attached letter from BMW Financials which is a DIRECT violation of 15 U.S. Code 1692e ( 4 ) and was fraud and illegal in the collection of any debt. This is a right secured to me by this code herein and the 4th amendment of the U.S Constitution.

I for a fact know that my credit financed the entire amount of loan and per SEC documents attached will show the assignment information needed to assign the not under the Security and Exchange Act.
Consumer complaint received 2023-05-25
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. (GA)

I'm trying to report a dispute with the debt collections on my credit report, I don't recognize any of this and I have been sending letters for those verifying those accounts and they not responsive as consumer there a law can protect me for this bad practicing the Fair Credit Act 15 USC 1681a ( 2 ) I didn't give any permission to have those accounts furnished on my credit report