davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (CO)

My property management XXXX XXXX advertises a XXXX XXXX to pay rent and incentivizes with rewards from the card for different perks. I began paying my rent with the card but also use it for some other general purchases from time to time. For the past two months I attempt to pay a maximum on the credit card which Ive learned is not directly linked to Wells Fargo. The lag in applying my payments through my non Wells Fargo linked bank account is causing my rent payment to go past due. Secondly, the card has a feature that if activated, will pull funds directly from my bank account. I made a XXXX payment to the card on XX/XX/23 from my bank account and there is no activity to reflect the available balance on the card to apply the rent payment without directly pulling the funds from a linked bank account. If you attempt to contact XXXX they direct you to Wells Fargo and vice versa. Im paying an enormous apr on the card now on top of being hit with late fees from the lag in processing the payments. Ive never had late payments to my rent until using this card. The practices are deceptive and could potentially negatively affect my credit. I have a couple of other credit cards that apply payments within 48 hours, adjust balances appropriately and what is occurring with my money is transparent.
Consumer complaint received 2019-06-14
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. (SC)

I have disputed this alleged debt with Equifax on multiple occasions. I have sent several notices via certified mail to Equifax asking for their method of verification concerning the alleged debt from XXXX XXXX  listed on my credit file and they have failed to comply with my request. Equifax is in clear violation of the FCRA and can be sued for violations of such. i demand immediate removal of this inaccurate unverified account from my credit file within 30 days of this complaint! I will enclose a copy of the letter and certified mail receipt of my latest attempt to resolve this matter. XXXX XXXX is not an acceptable means of verification when i asked for a fair re investigation granted to me by my consumer rights. this will be my last attempt to resolve this matter before i take legal action. if this account is removed immediately i will consider this matter resolved.
Consumer complaint received 2018-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO. (PA)

on XX/XX/2018 Chase bank Run my Credit and left Hard Inquiry on my credit so i did fraud alert with 3 agencies, XXXX and XXXX and XXXX and i contact Creditors who run my credit and most of them remove the inquires so with Chase bank i revived letter from them and say that : we declined an application for a new account because we couldn't confirm the information on it, we're concerned someone may be using your personal information fraudulently and insturaction steps to do fraud, so i contact them and sent letter and they response the hard inquiry made was valid so i want open complaint against chase bank to remove Hard Inquiry was made Unauthorized with a fraud
Consumer complaint received 2019-06-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

Hello, I bought my first home in XXXX of XXXX, with a fixed rate, with XXXX XXXX XXXX as my lender. In the 3rd quarter of XXXX they sold my loan to Mr. Cooper mortgage, who currently has my loan. All calculations and agreements were for an approximately $ 1,100/month payment with escrow and insurance. Mr. Cooper eventually raised my payment for {$1200.00}. 
This past week they told me that my payment is increasing by over $ 400/month and I now have to pay {$1600.00} a month. Their explanation of an increase of property taxes doesn't make sense because I had a tax and escrow evaluation in XXXX. Now, 3 years after I bought the house they are pulling this stunt which is putting me in serious jeopardy of not being able to pay.
Consumer complaint received 2022-10-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sprechman & Associates, P.A. (FL)

Collection agency trying to collect the amount of {$1600.00} for XXXX  XXXX XXXX XXXX, XXXX ( XXXX ) - attached- below is the letter sent back to the collection agency. XXXX refused to move the case forward while in court taking me with no other choice than agree with a a number to pay. All original fees and expenses was paid and further payments were done during the case, the charges they are claiming is not real. 
XXXX actually owns me the amount of {$5000.00} as they are responsible for not defending me on the case after they receive over XXXX pages of receipts and proves of payments made to the mother during the course of child support until my daughter got over XXXX XXXX XXXX - Note : My Daughter actually always lived with me as of this day she still lives here with me- The mother just went to court falsely accused me lying i never paid child support, I did prove with documents and support original files that I paid child support on the times the daughter stayed with the mother. 
Attached letter submitted to the agency, further documents as pay stubs and original files are available on request when needed,
Consumer complaint received 2023-05-09
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. (FL)

UN-AUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-25
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: WELLS FARGO & COMPANY (VT)

I co-signed a Wells Fargo joint line of retail credit on XXXX for a purchase of windows to be installed in my ( now ) exhusbands house in XXXX Florida. As we divorsed, I called XXXX XXXX on XX/XX/XXXX to let them know I was closing the line of credit, which the vendor acknowledged. I closed the credit line with Wells Fargo with a {$0.00} balance on XX/XX/XXXX which Wells Fargo acknowledges. I guess my exhusband installed his windows XXXX and the XXXX XXXX vendor used the closed account to make the purchase of XXXX I called Wells and disputed the charge, as how can they allow a charge to go through on a closed account. Also, why would XXXX XXXX use an expired pre-authorization to charge the installation to, after they were notified the account was closed. 

The Wells account currently has a {$6200.00} balance on it and the account still reports closed. 

Thank you for any guidence you can provide.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # XXXX, has violated my rights. 
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
Consumer complaint received 2019-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I would like to file a formal complaint against XXXX XXXX XXXX. XXXX XXXX, XXXX, FL XXXX. XXXX XXXX has violated my rights as a consumer by failing to provide validation of a debt at my request and continuing to report the disputed debt to the CRA. The Original creditor for the alleged debt is XXXX in the amount of {$1000.00}. Ive sent a total of three certified letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX requesting proof of the alleged debt, complete detailed history of all transactions ( including payments, credits, returns, etc ), contract bearing my personal signature, proof of my identity ( copy of drivers license/social security card ), and any other intimate details that they may have pertaining to the account. I expected to receive a response from XXXX XXXX within 30 days of each letter submitted. However, my requests were ignored I am aware of my consumer rights as indicated under both the FDCPA and the FCRA. Reporting inaccurate information to the credit bureaus is causing damage to my score and character. Im using the Estoppel in my defense ; XXXX XXXX had a duty to respond to my request on three separate occasions within 30 days but failed to do so. I still to this day haven't received any sort of correspondence to my request. By receiving no feedback, or requested validation Im left to assume XXXX XXXX are in agreeance that this debt is false.
Consumer complaint received 2019-06-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (TX)

ABOUT THREE MONTHS AGO I RECEIVED A DEBT NOTICE FROM COLLECTION AGENCY CALLED CAPIO. I HAVE ASKED THIS AGENCY TO PROVIDE ME WITH A DETAIL OUTLINE OF ALL CHARGES LISTED LEADING TO THIS DEBT ADDING UP A TOTAL OF {$1700.00}. I AM REQUESTING THE INFORMATION IN WRITING WITH MY SIGNATURE SHOWING I DID AGREE TO THIS AMOUNT FROM CAPOI. I HAVE NO KNOWLEDGE THIS DEBT EXIST.
Consumer complaint received 2019-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advantage Collection Professionals, Inc. (MN)

XXXX with Advantage Collection Professionals, LLC XXXX XXXX XXXX XXXX, XXXX, MN XXXX ( XXXX ) XXXX, contacted me for a past due amount of {$190.00} from 2011, for a company called XXXX XXXX XXXX with phone number XXXX. I've never had an account with XXXX XXXX XXXX, nor had any business with them. They refuse to remove me from their system, and threatening to update to credit bureau if not paid.
Consumer complaint received 2022-11-23
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. (DC)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, and DP OF EDUC XXXX have violated my rights. 

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 an account without my written instructions.
Consumer complaint received 2019-06-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (OH)

XX/XX/XXXX XXXX charged me {$700.00} for a rental that my insurance company was to paid! I put the {$250.00} deposit down! XXXX neglected to subtract the {$250.00} that was paid and bill my insurance! I never authorized this! Huntington gave a provisional credit and then reversed it on XX/XX/XXXX. They think that I need to prove I have insurance when the problem is the transaction wasnt authorized! It is not authorized!
Consumer complaint received 2019-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I filed a previous complaint ... and they sent me a document showing when I canceled All my online bill payments and then showed when they actually canceled them and some of them were canceled way after I did, this is unacceptable what a bunch of shysters I played phone tag with this Woman from 5/3 multiple times she never called me back at the number I asked her to call me back at multiple times when I left a voicemail I am absolutely done playing games
Consumer complaint received 2017-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Allegedly XXXX bought my mortgage in XXXX. I have yet to receive any statements in the mail. XXXX keeps calling my phone and hanging up. I filled out autopay fax form and sent it in with no response. XXXX fails all security setting. Site does not allow me to use a username name to login. They require me to fax stuff, it not 1980 anymore. And I get zero responses.
Consumer complaint received 2023-02-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Freedom Mortgage Company (KY)

Freedom Mortgage raised our monthly payment in XX/XX/2023 after our yearly taxes went up on the home from {$2100.00} to {$2200.00}. Freedom Mortgage did not notify us of the payment increase until XXXX XXXX. I autopay our mortgage payment through my bank on the XXXX of the month and was paying the {$2100.00} because I was unaware of the increase, Freedom Mortgage turned us into the 3 credit agencies for non payment in XXXX which is incorrect. This action has caused harm to my credit and I am unable to co-sign for my son 's XXXX XXXX loan for his school. I would like the record corrected, the delinquency removed and for Freedom Mortgage to stop incorrectly reporting. I have reached out to the 3 bureaus and they said they only report what they are given from Freedom Mortgage. My wife and I have spoken to Freedom Mortgage four times and they are claiming they notified us of the monthly payment increase in XX/XX/XXXX ' but that is incorrect. They are pointing the finger and we are the damaged parties. I requested that this issue be escalated to a second level supervisor at Freedom Mortgage that reports out the credit file information and was denied. This has caused irreparable harm to our credit file. We have never been late nor neglected our payments to Freedom Mortgage.
Consumer complaint received 2019-06-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (MD)

XX/XX/19-received a letter from National Credit systems , Inc. XXXX , GA in regards to a debt owed. The original creditor was XXXX XXXX XXXX, XXXX, MD. I explained to them I had a pending law against the XXXX  's. I submit court documents dated XX/XX/2019, in regards to case number XXXX, Court date XXXX in Court Room # 3, in the District Court of Maryland XXXX County , XXXX XXXX XXXX, XXXX XXXX , MD. I won a judgment against the XXXX 's in the amount of {$2400.00}. I received emails from all 3 credit bureaus stating a collection again was entered on my credit report by the above credit systems. They were suppose to wait until the final court decision was decided. I was given instructions by the original debtor that I could have 6 months to pay the final {$1200.00}. This collection was entered before the final decision was determined by the court.
Consumer complaint received 2019-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (NH)

I purchased an airline ticket through XXXX XXXX on XX/XX/2019 ( XXXX ). The ticket price was {$300.00}. There was a promotional offer of a significant discount ( around $ XXXX {$200.00} off ) if I applied for an AAdvantage credit card issued by Citibank XXXX 
I applied for the card expecting the discount. 

After purchase, I was told that the discount didn't apply because I already had a similar credit card. 


I called customer service, and got bounced back and forth between XXXX XXXX and Citicards. I did get one offer from Citicards to receive the discount if I spent more money using that card.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

Shellpoint Mortgage Servicing Company has been unable to resolve this issue for about 5 years. They say I'm behind on mortgage payment ; I have sent them proof of payments, copies of cancelled checks for the past 5 years and have called them but they have not reconciled their data. They are unable to tell me when was the original date they claim I missed the payment. I have stopped calling them because it is a waste of time. I get bounced from one person to another with no resolution. They keep asking me to send more paperwork which I have faxed, sent by registered mailed, etc. In the meantime, they keep adding fees because they say I have not paid the total amount to bring the loan current. They are not applying my payments to the loan and hold it for 3 months before it is applied as paid. 

On the last invoice they added {$320.00} to the amount due for escrow ( taxes and Insurance ). There should not be an escrow account on my loan because I pay for the Taxes and the Insurance ( always have ) .I have sent them proof of that but again they are unable to keep their records straight.
Consumer complaint received 2019-06-14
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: Ad Astra Recovery Services Inc (IL)

I have dealt with Ad Astra Recovery Services for about a 4 year period between XXXX & XXXX in regards to an account that is reporting to my credit reports false and inaccurately. During this period they have failed to provide ANY proof viable evidence, bearing my signature and showing that the account was being reported accurately or established by me. They also failed to provide a timely response in which I kept careful record of via certified mail & their response date attached to their continuous automated response that I've received over 10 times. I've also asked of Ad Astra Recovery Services to render me an description of their procedures used to determine the accuracy and completeness of the information provided. They have not done so any of the times requested. I've made several goodwill attempts against this company to resolve an issue that has been defaming my name for over 3 years. Their non compliance with federal laws under the Fair Credit Debt Collection Practices Act & the Fair Credit Reporting Act and all corresponding local state laws will only make them liable for their willful non-compliance. And I plan to seek extensive damages to be recovered from this negligence of inaccurate and error reporting done under my name & social security number.