davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC (IL)

Around XXXX, 2020 a year or so ago I got a letter in the mail from a collections agency attempting to collect a debt from XXXX. I never heard of this account before this and never opened a XXXX  account. The debt was around {$800.00}. I ended up filing a police report for identity theft. I called XXXX  numerous times. At this point I have called them at least 10 times and have yet to speak to anyone who has been able to help me. They keep saying they will report it and call me 7-10 days. Every time I never get a call. I filled out and submitted a " fraud packet '' on their website 5 times now with all the needed information and more. No response or email like their website says. I have also XXXX XXXX fraud and there are forums discussing this exact situation happening to other people and how XXXX does nothing about it. The debt has now somehow multiplied from the original XXXX or so, to now its over XXXX Not sure how that makes any sense. At this point the lack of XXXX  dealing with this, and the fact that I have consistently provided and been transparent giving them all the information, they have not responded with it. I would also like to add, when the XXXX account was originally opened fraudulently using my private information, my credit was never dinged or notified. I have credit karma that should notify if someone opens an account in my name. My information has been breached in 19 different hacks. The fact that I have called XXXX for the last year trying to have this removed from my credit and no response, as well as numerous other people online stating the exact same thing happening, this must be a reoccurring scam. PLEASE HELP ME!
Consumer complaint received 2018-06-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I have notified all 3 credit bureaus on numerous occasions via certified mail that this account XXXX XXXX that is reporting {$1500.00} IS NOT MINE. Each time the credit bureaus come back and notify me that it will take 30 days for an investigation and this account comes back verified. I sent them an additional letter asking HOW was this item verified as I have never had an account with them or XXXX. After calling the bureaus I was then told that they would not be reinvestigating. I feel as though I am stuck with an account that is not mine. My last letter to them I asked for any documentation from the creditor validating this account and received nothing but a letter from the bureaus stating that the data furnisher has verified the account.

I need immediate removal of this account as it is not mine and NO ONE has been able to provide any information to validate that this debt has my signature on it after 3 certified letters
Consumer complaint received 2017-05-27
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. (FL)

Upon being denied by a creditor for " too many inquiries '' from my  XXXX  report, I decide to check my reports from all credit bureaus for accuracy. I have noticed that there are many inquires on my Equifax and   XXXX   that I did not authorize. I have contacted both bureaus immediately and I have not gotten any additional information or context regarding the situation. As a result, I have put a fraud alert in place to avoid future issues. Please see the following inquiries below that were not authorized by me and the date aligned to the fraudulent inquiry. Per my investigation, none of these companies received my identification or authorization from me to pull my credit for any reason :   XXXX   1.   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX  3.  XXXX   XXXX   4.   XXXX   XXXX  5.  XXXX   XXXX   Equifax 1.   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX  3.  XXXX   XXXX   4.   XXXX   XXXX   XXXX   5.   XXXX   XXXX   XXXX   6.   XXXX   XXXX   7.   XXXX   XXXX  8.  XXXX   XXXX   XXXX  9.  XXXX   XXXX   XXXX  10.  XXXX   XXXX   XXXX   XXXX   XXXX   11.   XXXX   XXXX   12.   XXXX   XXXX   XXXX
Consumer complaint received 2019-06-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PROSPERITY BANCSHARES, INC. (OK)

On XX/XX/2019 an ACH happened from a company called XXXX XXXX for the amount of {$5700.00}. We have never even heard of this company before this happened. We contacted the company and they state they will research the issue but after 1 day shy of a month and numerous calls they say they " will keep looking in on the issue ''. I fell they are blowing me off. I also called our bank ( Prosperity Bank ) and spoke to numerous people including the bank president. He states that we only had 24 hours to bring it to their attention. I just happened to look online and let them know of the problem which was approximately XX/XX/2019. Since the 24 hours expired on XX/XX/2019, the bank says they have no responsibility and can not put the money back into the account. Our checking account was charged for {$5700.00} from a company we have never heard of and never authorized to charge our account in the first place!
Consumer complaint received 2019-06-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

I have a HELOC currently service by Shellpoint Mortgage Servicing. 

I stopped receiving monthly mortgage statements in XXXX of 2019. I could not confirm how they arrived at the mortgage amount due from month to month and the amounts varied greatly even though interest rates have remained fairly stable. 

Now I see that in XXXX of 2019 they are scheduling to draw over {$4000.00} from my account for my mortgage payment, when last month they took just over {$3300.00}. I do not see how they could be calculating my mortgage correctly when I see a {$700.00} payment swing in my mortgage payment in a stable interest rate environment. 

I contact them numerous times about not receiving a statement earlier in the year and all they could say was they were having system issues. 

I highly question the accuracy of their calculation of my monthly mortgage. 

Please assist me in ensuring that I receive accurate monthly statements to ensure that I know what I have to pay and can understand how my monthly payment can swing by over {$700.00} from one month to other in this stable interest rate environment. 

Thank you.
Consumer complaint received 2019-06-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION (MD)

Exactly two weeks ago today I spoke to an agent regarding overdraft fees. She explained to me that the fees were the result of an option that was selected when I opened the account online where BB & T would review and pay items if there was not enough to cover in the account. It was my understanding after that call that this option would be turned off and BB & T would decline transactions from then on. 

In the last 2 weeks BB & T has paid around {$200.00} in charges for automatic payments ( XXXX, XXXX, XXXX  ) and charged me around {$300.00} in fees. I spoke to an agent and her supervisor and they could do nothing for me. It was explained to me that contrary to the understanding I was given two weeks ago, the option to decline transactions was not turned off per my request during the prior call. 

It seems to me that this is predatory banking. I would have much preferred BB & T decline these relatively small transactions than to charge me {$36.00} for a {$9.00} charge.
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NC)

I am hoping to buy a house for the first time this year, so I want to be able to check my credit reports to make sure that everything is accurate before I apply for a mortgage. I checked my credit scores and noticed that one of my scores, run by Equifax, was almost 100 points lower than the others. This was obviously a red flag and told me I needed to check my credit reports. I found that the way to access your free credit reports is through XXXX, so I went there and filled out all of my information. I was able to access my XXXX and XXXX reports fine by answering identity verification questions about my credit history. However, when it came time to answer those identity verification questions to access my Equifax report, every question asked about loans and credit cards that I do not have and have never heard of ( another red flag ), so I was forced to answer N/A to all of the questions. For this reason, I was unable to access my Equifax report on that website. I tried going on the Equifax website, which told me that other than XXXX, the other way to receive a free Equifax was via mail by mailing the company a copy of my driver 's license, etc. This reminded me that I actually did this last year when I had the same trouble accessing my report and never received any mail back ( a third, huge red flag ). I called Equifax and explained all of the above, the employee verified my identity and then tried to make me pay {$15.00} to access my report. I know they are required by law to give me access to my report for free once per year, so this is illegal. When I complained, he said, " you expected to access your credit report FOR FREE?! '' He then proceeded to tell me that if I wanted a free report to go to XXXX, despite the fact that I had started the phone call explaining that I had already tried that. 

I am afraid this issue could ruin my potential to own a home at no fault of my own. They clearly have inaccurate information on my credit report, which could impair my ability to obtain a loan, so they should be the ones to fix it. I should not have to pay to do so.
Consumer complaint received 2019-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (WA)

I flew on XXXX from XXXX, Washington ( USA ) to XXXX, XXXX via a layover in XXXX, XXXX ( XXXX ) on XX/XX/XXXX, XXXX. On XX/XX/XXXX, I was charged {$290.00} twice, for a total of {$580.00}. I am disputing this amount since the additional services were not provided by XXXX. 

On XX/XX/XXXX, I purchased two Economy Class tickets on board XXXX for {$490.00} each, for a total of {$990.00}. These tickets were paid for in full at that time. This price was for two round trip airline tickets in XXXX 's Economy Class. At the time of purchase, I utilized XXXX 's upgrade tool. That tool allows a passenger to select a price they would be willing to pay to upgrade to Premium Economy class. I placed a bid a total of {$290.00} per ticket for a potential upgrade to Premium Economy. The tool advises the passenger if two Premium Economy seats become available prior to the XX/XX/XXXX flight, XXXX would have the option to charge me an additional {$290.00} per seat to upgrade to those seats. In this case, there were two tickets purchased, so the charge would be {$590.00} total. I received an email on XX/XX/XXXX stating that an upgrade to Premium Economy Class on the XXXX to XXXX segment was not available, and I would not be charged. My regular Economy Class seats would remain unchanged. ( see attached email from XXXX ) On XX/XX/XXXX, we flew from XXXX to XXXX and were assigned seats 44A and 44B. Those seats were located in XXXX 's Economy Class section, not their premium Economy Class. ( see attached boarding passes for HeaXXXX and XXXX XXXX along with the XXXX map ) The remaining segments from XXXX to XXXX, then from XXXX to XXXX and XXXX to XXXX on XX/XX/XXXX were made in Economy Class. 

Upon XXXX 's failure to remedy this charge, I disputed the charge with Navy FCU on XX/XX/XXXX. At that time, they incorrectly categorized this charge as a " services not received '', but did not issue me a provisional credit. I informed NFCU at the time the credit dispute was miscategorized, yet they did not correct this. On or about XX/XX/XXXX, I was informed that the dispute was denied because I had in fact taken the flight ( despite the class of service being not what I paid for ). I appealed, and NFCU re-opened the dispute. 

At that time, NFCU issued a credit to my account for {$290.00}, but they did not issue the other credit of {$290.00}. I am still out one of the {$290.00} fee 's charged by XXXX. When I call NFCU, I am told they are still working on the dispute, despite the fact I filed the dispute for both charges at the same time. NFCU granted one of the {$290.00} credits, but not the other. And they refuse to remedy this.
Consumer complaint received 2021-06-11
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: ADP Inc. (DC)

I have been requesting my prepaid payroll card from XXXX XXXX  They charged me 3 times to get my card shipped out and they sent it to my employer instead of me. I asked my employer did they receive my card and they told me they haven't. I requested that my card be sent to my home address at XXXX XXXX XXXX XXXX XXXX XXXX Washington D.CXXXX They sent my card to XXXX XXXX md according to the XXXX website. When I requested my card again they continue to hang up on me and they never sent my card. I have a balance of {$750.00}. I previously had {$850.00} before they started charging me shipping fees and did not send my card. I am requesting that they issue me out a check and send it to my home address and cancel and close the account. If they can't do that I am requesting that they issue me another card and send it to my home address.
Consumer complaint received 2020-02-08
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)

XXXX XXXX - XX/XX/XXXX appears to be late on the report. This account was never late. Please correct and update DPT ED/XXXX - XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX appear to be late on the report.This account was never late. Please correct and update. 
XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX appear to be late on the report. This account was never late. Please correct and update. 
XXXX XXXX - This is an unknown account. I did not authorize this account. Please investigate and delete. 
XXXX XXXX - I did not authorize this company to inquire about my report on XX/XX/XXXX. Please remove this inquiry from my report. 
XXXX - I did not authorize this company to inquire about my report on XX/XX/XXXX. Please remove this inquiry from my report.
Consumer complaint received 2023-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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


has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (GA)

I sent a validation request certified Mail to Santander and it was received and signed for by a XXXX XXXX on XXXX XXXX, XXXX my previous complaint to this company was returned stating that they did not receive said request ( page 2 of attachment XXXX ). attached below is the requests sent and the proof that said validation request was received by Santander Consumer USA. 
They also proceeded to send me a copy of a contract and not the original Only I as a consumer, and the original creditor can validate this debt and I vehemently refute this debt. 

PLEASE BE ADVISED PURSUANT 15 USC 1692g A contract is not validation This is a notice that Santander Consumer USA is in violation of multiple protected rights and should proceed to remedy these violations in the manner provided below.
Consumer complaint received 2017-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (DE)

All  3  credit bureaus have failed to keep excellent history from a mortgage i obtained in   XXXX   to  XXXX  at  XXXX   XXXX   XXXX    XXXX   XXXX  , pa. I had {$410000.00} financed. Also i had  ( 2 ) lea ses with  XXXX   XXXX    XXXX    XXXX   XXXX  for a  XXXX   XXXX  and a lease later in  XXXX  for a  XXXX , all in excellent payment history. I never ask fo any of this to be removed.
Consumer complaint received 2015-03-30
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

Greentree removes my tax money and does n't pay my taxes until a month later. This time they decided to raise my monthly impound to cover this, by {$1200.00} a year, saying there is a {$970.00} shortfall. There is no shortfall, they just remove $ 4K+ from my account a month early. 

I have proof of the withdrawal and the fact that my taxes remain unpaid. They did this in XXXX of last year as well. I opened a case up then as well. 

I have since requested that impounds be removed for all but the mortgage insurance.
Consumer complaint received 2019-06-20
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. (GA)

Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
Consumer complaint received 2017-01-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I have a " collection '' account reporting to Equifax. XXXX XXXX XXXX VA XXXX. I sent a certified letter to the collection agency ; which they did not bother to respond to. I got an email from Equifax today saying the company confirmed with them the amount is correct. I do not have an account in collections with them. They have no right to report this and it seems the credit bureau is " taking their side '' as well as blatantly ignoring the FCRA. I want this deleted from my report. Anyone with a XXXX grade reading level can see the information is wrong. It says I opened the account in XX/XX/XXXX but that my first delinquency is in XX/XX/XXXX. Clearly, that is fraudulent in itself.
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

In XXXX of 2018, I purchased a vehicle at a XXXX XXXX XXXX XXXX in XXXX Arkansas. As is the case when you finance a car, XXXX had apparently reached out to multiple lenders to find me the best Auto Finance Rate. My concern is that Transunion is showing this as 7 Hard Inquires on my credit report rather than 1 Hard Inquiry, which is affecting my credit score ( The more Hard inquires in 2 years, the more it impacts your credit score ). 

When calling Transunion, they assure me that this is only looked at as 1 hard inquiry, however, My credit report, as well as all of the current credit cards I have show which provide free credit scores show this as 7 hard inquiries and that it is in fact impacting my credit score. 

Both XXXX  and XXXX  have this as one hard pull but Transunion is not doing anything to correct this reporting I ended up securing the loan thru XXXX XXXX XXXX