davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-19
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. (NJ)

In accordance with the Fair Credit Reporting account # XXXX has violated my rights. I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX account # XXXX and do not have a contract with XXXX. They have repeatedly failed to provide me with the original application like I've requested. In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under 15 USC 1692C. These accounts above has caused significant damages. 15 U.S.C 1681 Section B. states that anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater.
Consumer complaint received 2018-12-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company (AR)

Guild Mortgage took two payments out of my checking account for my house payment due XX/XX/2018. One payment was taken out XX/XX/2018, and a second payment was taken out XX/XX/2018. Because I had two house payments taken out of my checking account, my account became overdrawn with a negative cash balance. This resulted in 3 overdraft charges of {$35.00} each from my bank for a total of {$100.00} in overdraft fees. 

I sent a letter to Guild Mortgage asking for a refund on my second house payment, and at the time two overdraft fees of {$35.00} each. The third overdraft fee came in after I had sent them the letter. They sent me a check in the amount of the house payment, but ignored my request for reimbursement of the overdraft fees. 

I believe they should send me a check for {$100.00} to reimburse me for the 3 overdraft fees, since they caused the problem by deducting 2 house payments.
Consumer complaint received 2020-06-05
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)

I HAVE REVIEWED MY CREDIT FILE AND FOUND TWO INACCURATE ACCOUNTS AND AN ENTRY IDENTIFIED AND INQUIRY THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA HOW THESE ACCOUNTS AND INQUIRY GOT ON MY CREDIT FILE. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A DAMAGED STATE. EVERYTHING IS AT A STANDSTILL BECAUSE OF THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE. KEEP IN MIND THAT THE ACCOUNTS AND INQUIRY DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.
Consumer complaint received 2018-12-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (TN)

My complaint is that Regions Bank conducts fraudulent business practices, specifically reordering of transactions and giving fraudulent account balance information. Also the Practice of Charging overdrafts on pending charges. I had a positive balance in account as of XX/XX/2018, made several transactions from account. Checked balance on the online bankling which showed positive balance after those transactions. Made an ATM withdraw which put account into negative status and understandably incurred one overdraft fee. Had a direct Deposit that would cover the one ATM charge that should have posted at midnight. Checked account onXX/XX/18 to find transactions reordered which cause my account to incur multiple overdraft fees instead of one fee. This is the second time this has happened.

See conversation below for previous dates.

] > XXXX, Thank you for your response. My name is XXXX and I will be happy to assist you. 



I apologize for any inconvenience that this matter may have caused you. When a purchase or withdrawal is made with a CheckCard,  those funds are immediately held ( or " frozen '' ). Purchases made with a CheckCard have been guaranteed to that merchant and represent goods or services that have already been received. This means that during processing each night, there must be enough funds available in the account to cover the items that are posting and the items that are still pending. 

The balance in the account before posting on XX/XX/2018 was {$19.00}. There was 2 transaction pending ( holding ) for {$16.00} and a deposit of {$35.00}, which left an available balance of {$38.00} for us to pay the items posting to your account that night.

There were then 4 items presented for payment on the account totaling {$40.00}. We paid the items for you, but the account was charged the overdraft fee since the funds were not available to pay one of the items. Even though the funds were in the account, they were not available since they had been guaranteed to other merchants for the pending items. 

I know this can be complicated. To make things easier to understand, we provide a breakdown of your balance on this date ( or the date of any overdraft occurrence ), from your Account Details screen. All you have to do is click the green fee name in the description column. This will allow you to view the Overdraft Notice.

While we understand that your Online Banking, Mobile Banking, and alerts are wonderful tools that assist you with your financial needs, we are unable to guarantee the alerts or balances will be made and reflect in " real-time ''. This is due to a number of factors which can cause delays such as service provider or carrier outages, merchant/bank processing, inbox filters, etc. Because of this, the only way to know what the true available balance in your account is, is by keeping a written log of all transactions and deposits for each account.
Consumer complaint received 2018-12-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Bridgecrest Acceptance Corporation (GA)

Illegal repo of vehicle. 
But XXXX. I was in chapter XXXX bankruptcy from XX/XX/XXXX-XX/XX/XXXX my XXXX XXXX was included in the bankruptcy. In XX/XX/XXXX I voluntarily dismissed my chap XXXX bankruptcy. I received no notice or demand for payment from XXXX or any company that contacted me on the balance owed. Tonight XXXX a repo person took the vehicle. 
I still have 2-3 yrs left on the loan -monthly payments. The last trustee payment on this loan was paid XX/XX/XXXX So how am I now delinquent enough for repossession in XX/XX/XXXX.
Consumer complaint received 2020-12-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Hi, I was actually talking to a representative from Portfolio Recovery Associates  and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below.
Consumer complaint received 2021-06-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION (CA)

My EDD payment was paid into my XXXX account XXXX acct # XXXX in the amount of {$1200.00} NFCU took that money despite the fact that I was advised by XXXX in security that EDD was protected funds and that it would be returned. It never was and when I requested a list of protected funds I was advised it does not exist. I than stated than you must return the money you took as you can not prove you had a right to. Since my compliant they have given me the run around and have now taken my account and it appears to have been closed. NFCU as removed /deleted correspondence between us and I can not access it anymore. They have been covering up the violation against me with intentional actions to prevent me from defending my position
Consumer complaint received 2024-05-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION (IN)

XX/XX/XXXX Called due to an issue with Property Taxes not being paid. 
Discovered that the prior owner did not pay the XXXX property taxes that were due in XXXX. 
Was asked to submit the property tax statement and submitted the same day. 

XX/XX/XXXX Received a letter in the mail dated XX/XX/XXXX that my property taxes had been paid. I checked my escrow balance and discovered that they had paid my property taxes twice taking out an additional {$4000.00}. I immediately called the bank and let them know about the error and they said they would submit a stop payment and if that was too late would work on a reversal. 

XX/XX/XXXX I received a payment analysis that changed my current monthly payment from {$2600.00} to {$3600.00}. This was calculated with and additional {$4000.00} being taken out of my escrow account and my future tax payments being {$4000.00} every six months when my payment should be {$1900.00}. I immediately called the bank to inform that that my escrow analysis was incorrect. Even giving the benefit of the doubt that my current escrow balance was incorrect and the analysis was performed on incorrect data they still incorrectly calculated my future tax payments. 

XX/XX/XXXX I received a message stating my tax issue had been resolved. I checked and my escrow balance had been fixed. 

XX/XX/XXXX I still have not received a new escrow analysis and my payment is still the incorrect amount. I called the bank and informed them of the issue. Initially I was told there was nothing that could be done for the XXXX payment as the escrow analysis has to be performed at least 30 days prior to the payment date. I informed them I had notified them the escrow analysis was wrong the day I got the letter and that it was at least 30 days prior. I informed them I was unable to make this payment and that their mistakes were creating an undue financial hardship on me. They stated they were going to try and escalate getting an immediate escrow analysis completed. 

If this is not corrected within the
Consumer complaint received 2022-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

The borrower is deceased and the successor trustee ( the daughter XXXX XXXX ) is working to secure the property and get it sold. People that are illegally occupying the property have direct contact with the lender and are making payments directly. I have contacted to the lender to set up additional security to stop this contact and these direct payments. SPS has stated that they have no way to assist with making the account secure to assist customers with account access protection.
Consumer complaint received 2021-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (AZ)

Dear Consumer Finance Bureau, I have attempted to deal with Wells Fargo for many years, almost 15 to be exact. During that time, I have continuously asked for them NOT to send physical bank statements and marketing correspondence. I have been to the branch many times and asked for this to be changed. I am concerned about my privacy in financial matters, as my family has several accounts. I do not believe that my complaints are taken seriously at Wells Fargo. I perceive that they have too much business, inadequate system design, and not enough customer service help. Regardless, my continued requests and concern for me banking privacy are not being addressed. The branch that I go to is located at : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Kindest Regards, XXXX XXXX
Consumer complaint received 2018-05-17
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. (GA)

I have two hard inquiries on my Experian credit report from the company " XXXX XXXX XXXX ''. The first on XX/XX/XXXX and the second on XX/XX/XXXX. 

I never signed any documents, nor did I verbally authorize these inquiries. 

My contract with them that started XX/XX/XXXX and ended XX/XX/XXXX. They illegally hard checked my credit twice without any form of communication with me. 

They have wrongfully, without permission and without a proper purpose accessed my credit report.
Consumer complaint received 2018-05-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Reliant Capital Solutions, LLC (OH)

I have a a unverified account from Reliant Capital Solutions LLC. I had previously disputed this account. I have never done business with Reliant Capital Solutions LLC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt purport I owe. I request that Reliant Capital Solutions LLC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ).  Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Reliant Capital Solutions LLC Cease and Desist all further communication 9. ) This account is a XXXX violation.
Consumer complaint received 2018-05-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (GA)

On XX/XX/2018, I received a payment from a friend in the amount of {$65.00} I was out of town and had car trouble, and the money was to help me out. When I attempted to transfer to my debit card, I kept getting an error message. Thinking the issue may be with the card, I added a different debit card I have with another bank. I was still unable to transfer the money. Upon reaching out to the " help '' section, I learned my account had been frozen because I'd evidently added a debit card that was already linked to another users account. Which probably is my husband, and it's a joint account. Since that time, I've sent multiple documents from both banks, photo 's of the actual debit cards, and copies of my non expired driver 's license multiple times. My account remains frozen and I am still unable to access my money. I've sent dozens of emails, chatted with customer support via the app chat support, and called and spoke to representatives. I believe XXXX is willfully and intentionally holding my funds unnecessarily and without merit.
Consumer complaint received 2024-05-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MO)

Company : Resurgent Capital Services, LP Product/Service : Debt Collection Issue : Debt collection Details : I am writing to submit a complaint against Resurgent Capital Services , LP ( Resurgent ) for their unlawful debt collection practices. On XX/XX/XXXX, I received a letter from Resurgent attempting to collect a debt of {$920.00}, referencing a judgment issued on XX/XX/XXXX, in the Circuit Court XXXX XXXX XXXX, Missouri ( Case Number XXXX ). However, I dispute this debt due to : - Lack of validation of the debt - Lack of proof of ownership of the debt - Lack of proof of my consent to the judgment - Violation of the Fair Debt Collection Practices Act ( FDCPA ) - Violation of the Fair Credit Reporting Act ( FCRA ) Despite my dispute, Resurgent has continued to attempt to collect this debt, and I request that the CFPB take immediate action to : - Stop Resurgent 's unlawful debt collection activities - Investigate Resurgent 's business practices- Hold Resurgent accountable for any violations of federal law Additional information : - Account Number : XXXX XXXX Date of first interaction with Resurgent : XX/XX/XXXX - State : Missouri Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-03-05
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: FIFTH THIRD FINANCIAL CORPORATION (IL)

I contact XXXX bank by phone regarding an alert I received on XX/XX/2022 regarding a purchase I did not recognize. In order to get information on the purchase, I had to call XXXX because this could not be done online. I also try to dispute the charge online. I called and was told I needed a security pin that I had provided on the account. I don't remember the pin because I do my banking online which doesn't require a pin. So I was not able to get the information I needed, I asked if there were other security questions they could ask me, the reply was no. The only way to get this information I needed was to visit the XXXX bank. Because of this policy, I was not able to dispute the charge. I'm XXXX XXXX XXXX and can not visit the XXXX bank.
Consumer complaint received 2022-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (FL)

Im unable to transfer my funds or send money from my Venmo account. I received a SBAD loan for my small business and have been unable to use my funds to get the supplies I need for such. The amount is {$10000.00}. The funds has been in my account since XX/XX/2021
Consumer complaint received 2022-06-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL)

XXXX XXXX I sent a {$100.00}. MoneyGram to my name due to an emergency, I got the email saying it's ready to be picked up I went with my ID and all my info but they said it was refunded to the sender because of the reference number but the only problem I can see is I accidentally put pick up in XXXX  which is where I live instead of XXXX where I am visiting. But either way it is still not back on my credit card and I really need it to get home and nobody can tell me anything
Consumer complaint received 2021-09-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Constar Financial Services, LLC (CO)

In XXXX of 2018 I discontinued my Service with XXXX XXXX I paid off the final amount owed in XXXX of 2018. Today I received a collection notice from a company called Constar Financial Services claiming I owe XXXX XXXX  XXXX. I made the mistake of calling and talking to them and of course they only wanted was information. I then contacted XXXX XXXX who assured me I owe them nothing and they do not know of this company. 
The company claims to be Constar Financial Services LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Az XXXX phone # XXXX XXXX XXXX.
Consumer complaint received 2021-05-10
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: Southwest Credit Systems, L.P. (TX)

XXXX XXXX XXXX reported 120 day late status on credit reports. Sent many letters to try and have this fixed. Did not fix the issue.
Consumer complaint received 2022-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Selip & Stylianou, LLP (NJ)

On XX/XX/XXXX, after I pulled my credit report I found out some unknown accounts on it that I did not know where they came from, by that time I did not know what to do, after doing my own research ( about a year later ), on XXXX, I started to dispute the accounts with the Credit Bureaus, a few months went by, some of the accounts were gone from my report, unfortunately, sometime on XX/XX/XXXX, I received some court notices from plaintiffs attorney SELIP STYLIANOU LLP, attorneys that are trying to collect on an alleged account with XXXX BANK. That account is also XXXX of the accounts that were not mine and found on my report. Due to this issue, on XX/XX/XXXX, I went to file an Identity Theft Police Report as XXXX of the attorneys rep told me to do when I spoke on the phone with them, so they can dismiss the case. I have no other reason but to believe that I am a victim of Identity Theft.
Consumer complaint received 2020-12-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I had 2 credit cards in my name from Capitol One due to identity theft. They erased one and said that it matched the fraud I reported. The other card they are refusing to delete because they state the address and information used to obtain the card is correct. The credit cards both had the same address and information used to open the cards so how can one be fraud and one not be? I have argued with them for a year and they will not fix this issue so I will be going to every length I can to have them fix this. The credit card in question has a balance of XXXX dollars and was opened XXXX both I do not have the information to the fraudulent card they cancelled but they were both opened around the same time using my same information and either of them are mine. They refuse to delete this one and it is wrongfully effecting my credit