davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Account information incorrect
Company: EQUIFAX, INC. (IA)

I have tried multiple times getting situations straightened out with all bureaus. I have requested that the gets deleted immediately as account is inaccurate. Accounts # does not match stating derogatory and collection/ CO with XXXX and Equifax XXXX {$0.00} balance. There is no way account is derogatory if its in collection already. Theres no way payment status is 180 late if account is closed and {$0.00} balance. Payment history is missing data even though Date of last payment reports date. Date last payment does not match payment history. Equifax continues to change account #. XXXX Equifax reports perfect payment all the way to XX/XX/XXXX. XXXX reports late payments and stops XX/XX/XXXX and removed data from date last payment. With inaccurate date date last activity and date last reported and changed date opened.
Consumer complaint received 2023-01-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (NY)

My prepaid XXXX XXXX gift card was depleted of all its funds ( {$75.00} ) when I went to check the balance on a fraudulent website, pretending to XXXX actual balance checking site. I contacted XXXX directly to see if they could resolve, and although they opened a ticket, I havent received an update since my initial communication with them despite reaching back out several times. My case is XXXX. Please advise - any help would be greatly appreciated. Warm regards, XXXX
Consumer complaint received 2020-06-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (HI)

My husband and I refinanced our loan with Caliber Home Loans Inc and our transaction recorded on XX/XX/XXXX. The escrow company overpaid {$3700.00} to Caliber Home Loans Inc. The funds were sent via wire transfer. I contacted Caliber Home Loans Inc. on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Caliber Home Loans Inc stated on XX/XX/XXXX they didn't receive the wire in the amount of {$3700.00}. On XX/XX/XXXX and XX/XX/XXXX, I provided them with a screenshot of the outgoing wire confirmation that I obtained from the escrow company. As of yet, Caliber Home Loans Inc. hasn't responded to my emails dated XX/XX/XXXX and XX/XX/XXXX. 

On a side note, the escrow company also wired {$740000.00} on XX/XX/XXXX and Caliber Home Loans Inc. received that payment based on my online account. The reason why the escrow company overpaid {$3700.00} to Caliber Home Loans Inc is because I was only allowed to get a {$500.00} refund at the close of escrow. The reason why there was an excess of funds is because I made my XX/XX/XXXX mortgage payment before escrow closed which caused the excess funds.
Consumer complaint received 2024-01-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

LVNV Funding LLC has sent multiple letters and statements claiming that I owe them an amount of money that has yet deemed to be proven. I have never used LVNV Funding LLC, I have never received a service from them and I am being contacted frequently for collection of money for a debt that is not mine. I have disputed this account and LVNV Funding LLC has never shown any signed agreements or contracts with my signature. My credit report has been reported negatively due to false reporting of this unknown debt/account. I demand that this be removed from my credit report due to inability to prove my ownership of this debt.
Consumer complaint received 2022-10-05
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. (MI)

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

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

15 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 2024-01-17
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC (AL)

I am a victim of Lexington Law firm and XXXX XXXX. I was contacted via phone, email and text messages as they marketed their services. I also paid full price for services in the aspect of getting my credit repaired with the services they offered. And I was told if I was to inform others to join it would be at a discounted rated in which my son was also a client. I now see that they are in the news for the practices they offered and the fees for which we paid. I would like to file a common behalf of myself and my XXXX  for which its my account that the funds were retained from. Thank you
Consumer complaint received 2024-06-14
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (CA)

I was not aware of this company trying to collect a debt until I took a look at my credit report and it showed that I have an amount from collections. I called them on the phone requesting emails for verification and they still were not able to send me anything. Finally a manager was able to send me a letter under the previous landlords name. I paid them off due to the high stress and pressure, while hoping its not a scam.

After payment I requested for a letter of satisfaction which is required as proof to clear my debt. Sequium has failed to provide me this and will only send the account statement with it being paid under the previous company name.
Consumer complaint received 2020-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

On XX/XX/XXXX, I submitted an online request to XXXX XXXX XXXX XXXX to transfer {$3000.00} to my XXXX XXXX credit card from my XXXX XXXX XXXX credit card as part of a HSBC balance transfer promotion. 
I received a letter from HSBC dated XX/XX/XXXX that the transfer did not go through to XXXX XXXX, and that the {$3000.00} would not be charged to my account and any transaction fees ( {$120.00} ) would be refunded. I spoke with XXXX XXXX, and there is no record of any transfer from HSBC. 
It has been 14 days since they put an erroneous {$3000.00} charge to my account, and nothing is being done to remove it. I have spent hours on the phone with HSBC customer service in an attempt to have the {$3000.00} removed, and they have not done so. I have been told repeatedly that I will be notified when the debit is removed, and no one returns my calls. In the meantime, interest is accruing on the {$3000.00} that HSBC says that I owe them, and the additional debt is impacting my credit worthiness. 
Please notify HSBC that I have filed a complaint and want this issue resolved promptly.
Consumer complaint received 2019-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (CA)

Credit card payment was due on XX/XX/19. Payment in full was made online on XX/XX/19 four days before it was due. Wells Fargo sent a payment confirmation saying payment would be posted on XX/XX/19 a week after payment was made. It generated a late charge of {$25.00}. I went into the bank to ask for the charge to be refunded. Request was refused. I said this was predatory and I would be filing a complaint.
Consumer complaint received 2019-12-31
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (AL)

I have a VA Home loan that was transferred to PennyMac Loan Services , LLC . On XX/XX/2019, we had reviewed my loan for a no out of pocket cost refinance. On the XX/XX/XXXX I began signing document to complete the transaction. There were some mistakes and they were going to to remake a document for me to sign and it was signed and passed to underwriting. I received 1 more telephone call wanting to confirm documentation for the underwriting on XX/XX/2019. On the call they stated that I would need {$5000.00} out of pocket for closing cost on the date of closing. I informed them that this was not correct! Your reading something wrong, This was supposed to be no cost out of pocket is what we had originally agreed. They said they would get back with my loan officer and he will be in touch with me. After a week, Nothing, I have place several phone calls and no one answers or has returned voice mails. They have straight up ghosted me! Now I have received notification that they have canceled my home insurance ( failure to pay ) without cause. I am in middle of trying to straighten this out.
Consumer complaint received 2024-06-14
Product: Credit 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: Paypal Holdings, Inc (WA)

hello, I stated this hotel in the month of XXXX and there was plenty of issues with the lack of cleanliness and service issues overall. Management approved me for me to get a refund in the amount of {$230.00}. The issue was the hotel city that they couldnt refund me initially because I went through a XXXX-party, XXXX. I went to XXXX and notified them as issue and stated that the hotel wanted to give me a refund and they investigated and determined that I should get a refund in the amount of {$230.00}. At this time due to initial issues with The hotel started to claim with PayPal to dispute a portion of the hotel fees. Investigation PayPal was only XXXX that denied the claim and cost everything to be delayed in regards to refund. They have stated that it has been processed correctly or that they did not receive documentation for me, which they did. I am Infuriated that their dispute department Doesnt do their due diligence with investigations. This was an easy dispute and yet they denied it and I provided confirmation that I was entitled to a refund.
Consumer complaint received 2023-01-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC. (PA)

on XX/XX/2022 XXXX XXXX opened up a collection. 
account number {$1400.00} that I owe I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 

Also they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureaus. 

XXXX XXXX
Consumer complaint received 2023-01-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WSFS FINANCIAL CORPORATION (TX)

XX/XX/XXXX To whom it may concern : I would like to file a complaint against XXXX XXXX Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Today I received the attached letter from XXXX Bank, and what they continue to do to slander my credit should be illegal. 
I have had no dealings with XXXX since XXXX of XXXX. 

And from that time to present, on a monthly basis, XXXX has continued to request copies of my credit files, as well as continue to report information that is inaccurate so as to destroy my credit rating. 

XXXX, and XXXX, I had complained about this issue, because they continued to put false balances owed onto my credit files, as well as, to report false status dates so as to make it seem as though I had, had recent credit activity with them. 

I do not owe this fraudulent balance {$1600.00} that XXXX has passed on to this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX Bank ran up that fraudulent balance with their usury fraudulent charges, and fees. 
They claim to have charged off an account on XX/XX/XXXX, this is not true. 

On my credit files, for at least a year beyond XX/XX/XXXX, XXXX was placing over {$100.00} in charges, and made-up fees onto a balance that they were running up. 

Since XXXX to present, my credit files were being dinged twice for duplicate false information. 
This treacherous Credit card company would pass on their lies to collection agencies who would report onto my credit files, and XXXX would report the same false information as well. 

And now they have passed on information to the above-named entities, who are willing to continue the deceptive practices of XXXX XXXX Bank XXXX 

I have previously complained about XXXX XXXX Bank, who has now rebranded under the name of XXXX XXXX. 

In checking the XXXX, I have found that they have an ALERT, for XXXX, and they have 4,257 complaints since the last 3 years, and what each and every one of the consumers have complained about, I have experienced it all.
Consumer complaint received 2020-06-09
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX  XXXX {$420.00} XXXX  XXXX XXXX {$290.00}
Consumer complaint received 2022-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Equifax Inc, is keeping my consumer credit report information XXXX ; it's an unjust system. This is predatory and XXXX, as it prevents me from verifying the accuracy of my consumer report. 
I was able to verify inaccurate information on my credit report, and I immediately began the process of contacting the Equifax Inc, in order to have this issue resolved. The unfortunate reality is that I never received a response. I sent letters at least 5 times and had no response or interaction. I'm getting quite annoyed at this point because I'm still waiting for a response from Equifax. 
I had contacted your firm previously. I'm a normal person who is also a consumer and a creditor. 
My consumer report contains an error, I have the legal authority to ask Equifax which report my consumer reports under the FCRA. I called Equifax over ten times in the last seven months, requesting an updated full summary of my credit history to ensure everything was reporting correctly. Despite multiple verification processes such as ( Name, DOB, SSN, address accounts that I have ) and the Rep even sending me a text massage codes to my phone number that I also verified, she still couldn't tell me why i wasnt able to view my full consumer report .... i've sent Equifax my identification and proof of address along with a copy of my ssn via mail and fax, i never got a response back from they company...
Consumer complaint received 2023-06-28
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. (IL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: John C. Heath, Attorney at Law, PLLC (VA)

I had some negative items on my credit report that I needed to remove, so I decided to use the services of Lexington Law. While I appreciated their efforts to clean up my credit report, I encountered issues with their subscription model. Initially, I signed up for their {$99.00} per month plan, but I found out later that additional charges were added to my bill that I wasn't aware of. As a result, I had to pay more than I expected, and it caused some frustration on my end. I am planning to file a complaint with Lexington Law to request a reimbursement for the additional charges that were added to my account without my knowledge.
Consumer complaint received 2023-01-16
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-06-09
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Account Resolution Corporation (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

My Experian credit report is blank. I have contacted Experian multiple times requesting the correct information on my credit report. They stated that my report was fine. However, when I try to pull my report, I get a file with my name misspelled my birthdate wrong and the file is blank, giving me a FICO score of XXXX. 
This is negatively impacting my financial well-being and needs to be corrected as soon as possible.
Consumer complaint received 2019-12-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

I signed a modification agreement that was approved back in XX/XX/2019 for 3 trial payments of XXXX. Those trial payments were made, and I was approved for the modification in XX/XX/2019 and the payment was XXXX. I signed that agreement and sent it back agreeing to pay XXXX. Here we are 4 months later, and my mortgage was raised to XXXX. Right back where I started. When calling Carrington Mortgage  customer service, I was told because my taxes went up. In researching my tax bill in reality, my tax bill only went up XXXX for the year. The total taxes for the year are XXXX, they have them on my escrow account as being XXXX. I called Carrington Mortgage back to speak with the tax department. They were un-certain why my mortgage went up XXXX and could not explain it. I would like to know why this tax bill was not included in my modification. The tax bill was released in XX/XX/2019, while I was going through my modification trial payments. This amount should have been calculated in the final documents in XX/XX/2019. I would have never agreed to pay XXXX for a mortgage payment, I CAN NOT AFORD IT! Carrington Mortgage needs to refigure the mortgage payment to reflect the correct amount and not some amount they come up with out of their heads to make extra money.
Consumer complaint received 2024-06-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (MI)

1- XXXX XXXX XXXX XXXX  XXXX Charged my Card {$23000.00} for No Service Provided. 
2- On XX/XX/year> I Disputed these fraudulent Charges with American Express XXXX Ref. No. XXXX. 
3- On XX/XX/year>XXXX XXXX XXXX Closed the Dispute with no resolution, apparently, American Express relied on False Invoices provided by XXXX XXXX XXXX, for a vehicle that they didn't perform any work on. 
4- XXXX XXXX even refused to provide me with documents to determine the validity of the debt. 
5- XXXX and American Express took advantage of my Old Age, to run this scheme, and deprive me of my right to dispute fraudulent charges.