davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-12
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: Experian Information Solutions Inc. (TX)

Experian and XXXX are reporting incorrectly the XXXX XXXX partial account number XXXX as ( 120 ) days past due. ( Please see page 4 of the attached credit report. ) This account does not belong to me. I do not know who XXXX XXXX is. This trade line item recently appeared on my credit report. This incorrect reporting is harming my credit score and this item needs to be removed. I have contacted the ( 2 ) bureaus to resolve this, however I have been unsuccessful.
Consumer complaint received 2019-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

Lease was returned and all payments paid in full in XX/XX/2017. Company reported the lease as a voluntary repo and sold it at auction despite all obligations being satisfied and are trying to charge me the fees and loss at auction. The vehicle was properly returned and the payments were made to satisfy lease obligation. They incorrectly handled the end of lease and will not fix their mistake.
Consumer complaint received 2018-02-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

Today, XX/XX/XXXX, I called Ocwen Mortgage where we have a HELOC to understand why they reported we missed a payment. We have automatic withdrawal set up with Ocwen so tno payment would be late or missed. The automated service stated my last payment was received on XX/XX/XXXX and the next payment was due on " XX/XX/XXXX '' which did not make sense if the payment was taken. According to Ocwen all payments are automatically withdrawn on the XXXX of each month. This was also noted as the withdrawal date in our account. I spoke with the representative, # XXXX, who stated that my XX/XX/XXXX payment of {$380.00}, was not taken due to insufficient funds. Then told me I was behind on my XX/XX/XXXX payment which I didn't understand because the automated service noted they withdrew an automated payment on XX/XX/XXXX. While speaking with the representative I pulled up my bank account which clearly showed there was no activity on my account on XX/XX/XXXX and my balance was over {$850.00} on XX/XX/XXXX and over {$3000.00} on XX/XX/XXXX. Ocwen never attempted the payment on XX/XX/XXXX as agreed then stated it was my banks fault. I called the bank who stated Ocwen never made an attempt according to their records and on XX/XX/XXXX I had over {$850.00} in my account which was more than enough to cover the {$380.00}. Today is XX/XX/XXXX and my payment should come out today, as of this moment they still have not taken that money out of my account. They note in my account record the " payment due date '' and " payment received date '' as the XXXX of each month. This is not true. When looking into the issue of the XX/XX/XXXX payment, their record shows in my account it was received on XX/XX/XXXX and they did a " payment reversal '' for the {$380.00} on XX/XX/XXXX. This makes no sense. My credit score went down 100 points! Please help. I can send the account information, bank statement, etc.
Consumer complaint received 2018-02-01
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. (CA)

A default judgment is appearing as a collection account on XXXX, TRANSUNION, AND XXXX.It is appearing perhaps to avoid properly categorizing the account as a public record due to AGREEMENTS BETWEEN CREDIT BUREAUS AND STATES ATTORNEYS GENERAL enacted within recent years.In addition.the date of 1st delinquency has been re-aged.THE DOFD coincides with the date of judgment entered ( ATTACHED COURT RECORD ) which would be impossible considering the nature of the debt, ie : back rent and holdover.The debt was many months prior to the stated DOFD.ALL THREE BUREAUS after numerous disputes permit a false re-aged date of 1st delinquency and permit a miscategorization of debt, and allow these inaccuracies to fly in the face of their ATTORNEYS GENERAL AGREEMENT CREATING A LOOPHOLE FOR ACCURACY DEMANDED BY THE FCRA.The disputed account is XXXX, XXXX, XXXX XXXX acct. no. XXXX.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Sequium Asset Solutions, LLC (OH)

Reference : XXXX on XXXX XXXX I hadn't use the devices and serviece from XXXX XXXX XXXX company because I returned them back and I have the proof for that. 
Return Tracking # : XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/2022 Status of shipping : picked up by shipping Agent XX/XX/2022 at XXXX XXXXXXXX XXXX XXXX OH XXXX as well I have the picture of the returned box as well the receipt. 
I send the Company several e mails I call them several times about that but no one tried solve them
Consumer complaint received 2023-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TN)

My name is XXXX XXXX. I have a home loan that originated in in XX/XX/XXXX with XXXX XXXX XXXX, it was quickly sold to Amerihome, ( loan XXXX ) for 12 months, then sold to XXXX XXXX, ( loan XXXX. On XX/XX/XXXX, I received an Escrow Act Disc Statement that our new payment going up $ XXXX! 

After doing my due diligence & speaking to all of the companies, XXXX at Amerihome suggested I escalate my complaint after he was unable to answer my questions because, as he stated, " our loan was purged from Amerihome already. '' His coworker XXXX actually said to me today, " this was something that should have been delt with six-months ago. '' I am not getting anywhere speaking to these institutions, they all blame one another for the mishap. I was told by XXXX XXXX  that the reason for the increase was my insurance went up, ( it went down actually ), I was told our taxes went up, ( they did by {$1.00} ), I was told our house was reassessed, ( it was new construction and has not changed since XXXX per the XXXX XXXX XXXX XXXX Website ). Every time I call, they make up another excuse. NO ONE WILL HELP ME! Here are my questions : 1. Please look at the Annual Escrow Act Disclosure Statement from Amerihome. 
a. Our address is incorrect : the physical addr is : XXXX XXXX XXXX XXXX, XXXX XXXX, they have it as, XXXX XXXX XXXX XXXX. 
b. On this Disclosure, look at the ESC Refund, why was any escrow amount refunded? The amount on this disclosure is incorrect, the amount refunded was actually, {$1500.00} & my husband deposited it into our checking account not knowing what it was. Where is the other part of the supposed refund? Amerihome shows a refund of {$3600.00}. 
2. Look at XXXX XXXX for XXXX and XXXX of XXXX. I am the insurance agent for this property, XXXX XXXX is the company. Why are there two deductions for insurance? ( One for {$4800.00} and {$2900.00} )? 
a. Could this possibly be for 'Force Placed Insurance ' as well as my home insurance policy with XXXX XXXX? 
No one can look back that far with Amerihome because they say the loan is purged, sold and void and I they have no access to help me but that I may FAX in my documents for review. 
XXXX. Why all of the sudden is this an issue and why was it not addressed when the issue came up? Why were we not notified about a discrepancy in the escrow balance? 
4. Where it says ESC Refund {$3600.00}, where did that money go? We did not receive this amount as stated before, we received a check for {$1500.00}. Who has the rest of it? Is this possibly the county or the city taxes? 
5. The escrow detail says we paid in {$4100.00} but they paid out {$7800.00}, and that is a difference of {$3600.00}. 

The additional amount they are asking for due to their mix-up is postpositions!
Consumer complaint received 2018-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have attached a letter that will explain my situation. The accounts that I am disputing are. 
I am disputing the accounts and inquiries as an internal dispute. Also Im disputing the inaccurate accounts and inquiries that you are reporting on my credit file as an affidavit as well. Please be aware that I await your response and if you send me any verified letters I wont hesitste to reach out to litigation and take legal actions against your company for violating my rights and The FCRA. I am allowing 72 hours due to the fact of improper and unprofessional business ethics.
Consumer complaint received 2019-07-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: RFNA, LP (LA)

Refinanced a current loan with the same company.. republic finance of XXXX la ... so basically when is all said and done im paying 68 % on one loan and i was not compensated the insurance back into that first loan ... and the total payment due after 24 months was also added to the second contract!!!
Consumer complaint received 2019-03-15
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: National Enterprise Systems, Inc. (MO)

National Enterprise Systems has violated my rights under the Fair Credit Reporting Act by fraudulently and illegally placing an outdated account that is not mine into my credit report. The account, from XX/XX/XXXX, was placed into my credit report well over a decade later in XX/XX/XXXX when I discovered it. I have learned the account was charged off in XXXX when XXXX XXXX XXXX filed for and declared Chapter XXXX bankruptcy, going out of business. National Enterprise Systems refuses full transparency as I have asked for and refuses to provide me with the information that I have requested. Instead they told me to contact XXXX XXXX XXXX, which they know does not even exist. NES has also told me that they are not responsible for putting this into my credit report, when in fact it is them. Each time I file a dispute with XXXX, NES provides additional false information to them which I have documented. One example is how NES put into my credit report " Last payment made on XX/XX/XXXX '' to make it look like I was making payments. This is a complete fraud, abusive, unfair practice, and misrepresentation of debt by falsifying information to XXXX XXXX. NES refuses to supply me with further documentation showing the amount of this payment, method paid, and person responsible for paying it ... because it is an abuse of power which should be stripped away from National Enterprise Systems.
Consumer complaint received 2019-07-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Medical Management, Inc. (PA)

Paid off a medical balance with financial recoveries in the amount of XXXX. They will not send me a fax or email stating i have a XXXX balance. theyhave reported this on my credit this month as well when the balance has been paid! i need a fax or email in writing ASAP that this balance has been paid! the account number is XXXX
Consumer complaint received 2022-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

5/3 bank will not recognize a cashier's/certified check purchased on Saturday XX/XX/XXXX that has Monday 's date XX/XX/XXXX on the check. The federal reserve does not recognize Saturday as a business day and neither does the bank from which the check was purchased at. When speaking with the branch assistant manager, to which his reply was, 5/3 bank 's policy is to not allow future dated checks. 5/3 recognizes Saturday as a business day and therefore can not accept the check per bank policy. That the system would return the check and cause the client a fee. This is an inconvenience to the client. I feel 5/3 just tries to complicate things five thirds of the time.
Consumer complaint received 2019-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

My date of birth is reporting incorrect XXXX Multiple address are reporting on credit file XXXX XXXX   XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2019-07-12
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

I transferred to my own PAYPAL Acct. XXXX $??. 
Then I transferred it back and expected it to go back on my Bank Account. 
Now it says I received XXXX $ But doesn't say from where and on the bottom line it still says I get a refund from XXXX,?? $
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (VA)

Well this is awkward, the company TD Bank has yet to pay the escrow amount to the owner. As of XX/XX/XXXX, the entire mortgage amount was PAID IN FULL, and therefore the company TD Bank had NO OWNERSHIP in the property. However, they had collected escrow payments in the amount over {$6000.00}. These finds have not been paid to the rightful owner of the property and as of XXXX they appear to be delinquent by over 89 days. Please report the record the TD Bank Mortgage company ( Operations Center, XXXX XXXX XXXX, XXXX, ME XXXX ) as delinquent by 90 days in returning their escrow funds. I have been gracious in letting them know multiple means including a closing company, they are not the owner, and they have been informed by multiple people they no longer have any ownership stake in the property ; however, those funds have not been deposited and therefore are considered delinquent. Since these funds amounts are over {$5000.00}, please let me know if you would consider this a criminal matter or whether it should be referred to a fraud division.
Consumer complaint received 2024-02-08
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: Experian Information Solutions Inc. (NC)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2021-04-13
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. (CO)

XXXX XXXX XXXX  should not be reporting to XXXX ; Experian and XXXX a repossession on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was in rehabilitation for medical reasons and was given permission to turn the vehicle in per extenuating medical circumstances with no penalties. XXXX XXXX XXXX granted this request. This false reporting that this was a repossession is seriously harming my credit score and this line item needs to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX XXXX XXXX as well as the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-04-28
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (FL)

In accordance with the fair trading Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 692 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (CA)

To Whom This May Concern at the Federal Trade Commission : Case # XXXX I hope you are well. 

On XX/XX/2020, upon calling ( without a working voice ) the Wells Fargo XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, I had the grave misfortune of interacting with XXXX, XXXX, XXXX, XXXX, XXXX and XXXX regarding attempts to pay my financial responsibility and to be treated with respect. 
1 ) XXXX ~ was no help as she told me that my payment method is a problem and she could not help ; rather than seek resources. 
2 ) XXXX ~ relentlessly harassed me after I repeatedly requested for a manager and I was firmly denied. XXXX was extremely persistent, dominating, controlling, ignorant and aggressively/rudely told me that she can take my payment. XXXX 's forceful verbiage of 'taking my payment ' gave me the strong and clear impression that she only cared about collecting funds and neglectful of human treatment. With this frightful encounter, XXXX made me emotionally and incredibly uncomfortable with her clear violation of my boundaries. XXXX made an unrelated comment about 'with everything that is going on in the world '? At this point, I had no choice but to hang up on her. 
3 ) XXXX/Advocacy ~ surprisingly and appallingly defended XXXX 's comment to me. 
4 ) XXXX, XXXX 's superior/manager ~ was THE WORST. XXXX was unfriendly, repeatedly cut me off, sounded very controlling and arrogant with his position in the company, habitually phrased, " obviously '' to me when nothing was obvious. I AM NOT YOUR EMPLOYEE. When I attempted to share my phone experience with XXXX and notified him that his staff seemed incompetent, XXXX REPEATEDLY THREATENED TO END THE CALL IF I DID NOT STOP USING NEGATIVE WORDS ABOUT HIS STAFF. XXXX told me that he does not allow negative comments about his staff. 
5 ) Upon filing an official complaint on the listed individuals, I was provided the above case number for reference per XXXX/Case Manager Department and I am to receive an email response in approximately 10 days. I have no time to waste. I should not have to wait 10 days. 
I yet again contacted the company, spoke to XXXX who referred me to the Corporate level at XXXX XXXX XXXX XXXX XXXX, only to discover, per XXXX on XX/XX/2020, that this contact phone number is the wrong contact. What a complete waste of my valuable time. Is this company that disorganized? 
6 ) I was then, transferred back to the internal department and attempted to communicate with XXXX/Advocate who was absolutely clueless and unhelpful. 

*I have and continue to lose sleep due to this inhumane and mortifying experience. I am numb, drained and mentally traumatized by this ongoing ordeal. This 'company ' does not deserve business. 
PLEASE ADVISE AS PROMPTLY AS POSSIBLE AS I DO NOT WISH TO CONTINUE ASSOCIATING WITH SUCH A DEMEANING AND DEPLORABLE ENTITY. 

Thank you for your time.
Consumer complaint received 2019-01-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: United Check Recovery Bureau, Inc. (LA)

I've just received a call from a woman named XXXX  looking for someone else. Phone number XXXX.

Contacted my phone numerous times. I've insisted I'm not the person she's looking for however, the calling will not cease. These harassing calls and threats of legal action to something I do not have any knowledge of towards the person she's insisting on reaching is ridiculous.
Consumer complaint received 2019-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On XX/XX/XXXX went to a Capital One Bank cafe to make a payment to prevent my account from charging off. I place {$30.00} in the machine well I never received a receipt showing that the payment was credited to my account. I went over to tell an ambassador which is there version of a customer service person. I told them about I was told to call Capital One Banks customer service on Monday morning. I called customer service that Monday they told me to go back to the branch its there problem they have nothing to do with the servicing of the machines. I went back to the branch and I was told its an customer service issue. I'm in Massachusetts Capital One Bank dose not have full service branches if they did this most likely would not have happen or it would have been handle better. This is a mini branch inside of XXXX 's XXXX XXXX  they have several locations in the XXXX area. The issue is my account has charged off.Now I owe money on the credit card that is not the issue the issue is the {$30.00} payment to avoid the charge off never posted to my account the machine never printed out a receipt showing that the payment. Now Capital One Bank has sent me to an collection agency. I spoke with XXXX on XX/XX/XXXX I mentioned that there should be security footage for XX/XX/XXXX the day the payment was made a long with the other times I went back to XXXX 's XXXX XXXX.
Consumer complaint received 2022-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I continue to get emails and letters from credit card companies and loan companies that I never applied for. I have multiple hard and soft inquiries that is hindering my credit score. I also received a settlement letter for a loan that I did receive or apply for.
Consumer complaint received 2019-01-22
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Volvo Car Financial Services U.S., LLC (FL)

Volvo had the incorrect contact info on my account that they input on their side. Phone number was wrong by 1 digit. They did not withdraw the funds from my account correctly and were unable to reach me because of this. I was sent a letter in the mail that stated that my auto-pay was setup and should have withdrawn funds on XX/XX/XXXX fpr {$560.00}. This did not occur until XX/XX/XXXX. They are stating that someone was update don my account that they can not verify. Because they input my phone number wrong on their side should not be my fault that they could not reach me correctly. I did not receive one email or phone number from Volvo stating that my account was past due.