davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-08
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: Mercedes Benz Financial Services (CA)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XXXX. XXXX, 2019 and on XXXX. XXXX, 2019, MB FIN SVCS add a hard inquiries on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-04-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

Good afternoon, I have a complaint against U.S. Bank Home Mortgage. U.S. Bank is my Mortgage servicer. Recently there was escrow analysis completed and I was told there was a shortage in the amount of {$560.00} I have asked what was in my escrow prior to the shortage amount. I have not received an answer. Problems with the escrow has been happening for years... There have been increase in payments through the years. 
The problems I believe began in XXXX through XXXX when the loan was modified after years of processing. The end result is a partial claim in the amount of {$50000.00}. Which is due at the end of the loan. During this time of Chaos U.S. Bank talked about a Quick Sale. 
Through prayer and contacting an Agency like yours and FHA the loan was finally modified I am Questioning the {$50000.00} balloon payment that is due after Our home is paid off.

I talked to someone in the Modification at U.S.Bank and she kept insisting they were correct in the amount, The person also told me it was not there error it was a machine which calculated the amount. I read the information on your page about the 7 Mortgage serving violations. I believe I cc was charged unauthorized amounts. The bank told me in the beginning of the loan that they were increasing the monthly payments because we did not have Home Stead Exemption which is untrue. With recent concern and confusion with the escrow I need someone to investigate what is happening with my mortgage account. Unfortunately Mortage Servicing Violations happens. I was told recently instead of a shortage in the escrow there is now an overage. I was told two different amounts would be refunded by two different employees at U.S. Bank I appreciate your assistance in this matter. Thanks.
Consumer complaint received 2022-04-07
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. (GA)

Experian didn't do a great job with my my fraud case. Seem like I did all of the leg work myself. I asked a rep at the Experian company why I'm I paying each month if they can't get answer to my problem.
Consumer complaint received 2021-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I applied for the Capital One Quicksilver on XX/XX/XXXX ; this was my first ever credit card. The promotion had said that if I spend XXXX dollars, then I will get a XXXX dollar sign up bonus. After spending XXXX, and not receiving the amount, I called after getting my statement and they submitted a review to their rewards team. I was told to call on that following Friday, but when I did they said they never said that. They told me to wait until Monday, and so I waited until Wednesday, XX/XX/XXXX. I had to reach out yet again, and they told me it was declined. They are saying they never offered it, and yet it was for new card members ( which I was ), and it was right on my application. This sign up bonus is still being offered. I have found that many people have encountered this form of gaslighting on behalf of Capital One. I wish I did my research, because it is clear Capital One scams most of their clients.
Consumer complaint received 2020-09-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I am currently on a forbearance plan with HSBC till XX/XX/XXXX. On XX/XX/XXXX I applied to have my current forbearance balance moved to the end of my mortgage, and resume my monthly payment. I was told I don't have to pay anything till XX/XX/XXXX and I will stay in the current forbearance plan till XX/XX/XXXX. 

I received another wrong monthly statement on XX/XX/XXXX and called HSBC to confirm there is no payment due for XX/XX/XXXX but instead was told that my application for deferral payment was already approved, forbearance plan is ended right away and my monthly payment will resume on XX/XX/XXXX. I called multiple times and requested to speak with a supervisor but every person is giving me different information. According to the supervisor - XXXX, XXXX who I spoke to, my application is approved but the paper work is pending approval, at the same time I was required to make payments, without any written statement or notice. He continued to threat me that I have no choice but to believe him and all the conflicting information i received from talking to their representatives in the past week. 

There are three things I believe they did wrong 1. Ask me to make payment while document is pending approval, and no written statement or notice was given to me. Should i not call them voluntarily, they will start charging late fee and the collection process secretly. 
2. Each person is giving me different and conflicting information, even the same person had given me different answers after digging into the documents. There seem to be a mess in their handling of forbearance application. The forbearance documents are often wrong and not accessible online. I suspect this is not compliant with the regulations.

3. The assistant supervisor - Mr. XXXX, XXXX, said i had no choice on if i can continue my forbearance plan and they can make the unilateral decision to ask me to pay back, which i believe is blatantly against the latest care act that gave borrowers several options to repay the loan.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

Regarding Disputed Credit item USAA SAVINGS BANK Date Opened XX/XX/2021. 

Dear XXXX XXXX,. 
I do not recognize or acknowledge the following items listed on my credit file : USAA SAVINGS BANK LOAN TYPE CREDIT CARD I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding this item listed on my credit file : USAA SAVINGS BANK Date Opened XX/XX/2021. 
As per Section 609 FCRA, I am entitled to see the source of the information, the original contract containing my ink Signature. 
If you can not verify this account with the original contract, I will expect a response of receipt of this letter to see the item in question DELETED OR REMOVED from my credit file. 
Sincerely,
Consumer complaint received 2018-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

On multiple occasions, including XX/XX/XXXX and XX/XX/XXXX, Capital One 360 placed an unexpected and unwarranted hold on my checking account and debit card. Their reasoning was that I was making transactions out of state, and it " looked suspicious ''. In fact, I had used the card in those locations ( Hawaii and California ) on many previous days, both for purchase and cash withdrawals. In one instance, my entire checking account was frozen late on a Friday night in Hawaii, and I was unable to use the account for the entire weekend. In speaking with phone representatives at various levels of management, I was given the conclusion that " sometimes we just place holds on accounts and there's nothing you can do about it '', essentially locking me out with no proper reason. If the card had been stolen or compromised, and suspicious transactions had occurred, then they would be warranted in taking these actions. Instead, I spent hours on the phone with clueless phone reps, unable to provide any assistance.
Consumer complaint received 2022-11-16
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. (AZ)

I've been a victim of identity theft and I'm suffering punitive damages. I've mailed you multiple letters to the bureaus and companies and this hasn't been resolved. These accounts are all fraudulent and need to be removed. XXXX  XXXX- {$25000.00}. Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. The companies above violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all XXXX violations. Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. The companies listed above is falsely publicizing an account addressed to me on XXXX, XXXX XXXX Transunion with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. The companies above has published my information publicly on XXXX, XXXX & Transunion including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. Fact, 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. The companies above has published an account they have of mine on XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. Fact, XXXX is aware and has proof in attachment labeled as exhibit A and the companies above. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. The companies above has published an account they have of mine on the companies above. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations.
Consumer complaint received 2024-02-03
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. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts
Consumer complaint received 2024-02-03
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. (TN)

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. 

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 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section2 : 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
Consumer complaint received 2021-07-07
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: Resurgent Capital Services L.P. (AL)

A bill does not imply that these account are valid, anyone can send a bill a claim ownership. I do not have any agreement with these company a contract showing that I have legal obligation to pay them. I am requesting you to send to me all the paperwork associated with the mentioned accounts.
Consumer complaint received 2018-10-02
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: JPL Recovery Solutions (CA)

Someone named XXXX or XXXX XXXX from JPL Recovery Systems is repeatedly calling my Human Resources Department at my work looking for information on me and has told them I owe them money and they are going to garnish my wages. They have also called me numerous times at work. I have told them I am not able to receive calls at work and now that they have started calling my Human Resources department I was called in today and told this needs to stop. 

They have also been contacting friends of mine looking for information on me and letting them know I owe them money.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX - XXXX XXXX  reported me for being late on my mortgage payment for XX/XX/2021 in the amount of XXXX. During the pandemic I am struggling to keep afloat and pay them within every month. My mortgage payment is XXXX. If I am current in XXXX & XXXX How can I be delinquent XXXX in XXXX? This is incorrect reporting. I might not pay on the first but I never pay after 30 days. This not fair to people that work hard to make ends meet. You have people that are on forbearances because of COVID19 that can afford to pay. I have been affected by COVID19, and I am making ends meet but this is how they treat me. Report inaccurate information on my credit report and call me daily. I requested a Life of Loan payment history, and Escrow Analysis. I still have not received that. They are sending me letters requesting foreclosure fees paid, when the loan was modified and foreclose fees are included in the MOD balance as capitalized interest. This company is doing illegal things. I would like a copy of the lifetime of the loan payment history and escrow. So, I can look at the capitalized interest. this is a new servicer, and they are like a debit collector. You cant collect on fees that are included in the balance when the loan were modified.
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC (PA)

I have received a letter from Lexington Law ( Please see attached ) that I reached out to their company requesting their help on XX/XX/21. I never reached out for their help. 

Ironically, on XX/XX/21 I had another identity Fraud Case with XXXX XXXX occurred to me. Their was another party that tried to gain a personal loan for a XXXX subscription and it was denied because the could not confirm my identity.
Consumer complaint received 2020-10-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

PHH Has been trying to stick me with a {$77.00} appraiser fee that they allege was done 10 years ago when I had missed two payments. They said this was customary and that it was necessary for somebody to come out to the property and see if it was all crapped up. I dont know what they expected to ascertain from looking at a balcony on the eighth floor. They certainly didnt enter the unit. Over the years I told them Id be happy to pay the fee but they needed to provide me proof that this appraisal was actually done and that it was not bogus. I requested photos and notes. None was given. Last month they told me they would take the {$77.00} off and as of today they had walked back the agreement for no good reason.
Consumer complaint received 2022-04-28
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I tried getting a auto loan for the first time at XXXX XXXX on XX/XX/2022 and when XXXX XXXX ran my credit he gave to me my credit report and told me I wasnt eligible for a loan due to me already having a auto loan that was closed. I have never had an auto or loan. He suggested i call the company at 800 loan mart to see what was going on. I proceeded to call and had my wife XXXX XXXX explain the problem because i authorized her to better explain what was going on. We were both on the line gave them account numbers XXXX and XXXX which are the accounts shown on my credit report. None matched my name address or social security number. We were transferred numerous times. We talked to XXXX, XXXX, XXXX, and XXXX representatives from 800 loan mart and we were told the loan belongs to XXXX XXXX with the account number XXXX. We were also told that last four of the social security number used for this loan is XXXX for the account number XXXX not the last four of my social. This is a mistake on my credit report and loan mart told me i had to report it to the Bureau and let them know I already spoke with them to get it removed so i can proceed to take out my first auto and auto loan.
Consumer complaint received 2022-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (TX)

I had a disputed charge returned to my account for {$38.00} and i cant access it. The company has closed my account. i have confirmed with support agents the balance is there. 
My account was closed due to not having enough deposits each month. 
But the balance is still there. 
They claimed if i had a balance it would be sent as a paper check not more than 30 days from closure. However it is well over 30 days from being closed and this company is denying me access to my funds. 
the company is CHIME
Consumer complaint received 2022-04-07
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: LEXISNEXIS (FL)

Lexis nexus at this time has admitted and removed the reselling of my information to XXXX XXXX and experian however the XXXX ACCOUNTS are still on my consumer report. The information is not accurate nor verified, nor has any written consent of any of my personal information to be used and traded on. Pursuant to 15 US code 1692J civil liability LEXIS-NEXIS and third-party crediting bureaus are now liable for damages in the amount of {$1000.00} for each violation. There being several, it is requested to have the accounts deleted from all consumer reports due to the pro bay fraud and federal violations
Consumer complaint received 2024-02-03
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. (GA)

This agency violates 15 USC 1681i.

Notice of results of reinvestigation ( 6 ) -In general, A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

They were to notify me of this in writing 5 days prior, I WAS NOT NOTIFIED. AS THE ORIGINAL CREDITOR, ONLY I CAN VALIDATE THIS DEBT. I DO NOT VALIDATE THIS DEBT, UNDER NO CIRCUMSTANCES. Therefore, the following accounts must be DELETED from my report immediately. Furthermore, it does not matter if the account is listed as CLOSED, CHARGED OFF, COLLECTIONS, LATE PAYMENT, ( ANY NEGATIVE OR ADVERSE ITEM ( S ) OR REMARKS ), ETC
Consumer complaint received 2022-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Oregon Credit Service, Inc. (OR)

SOUTHERN OREGON CREDIT SENT ME XXXX COLLECTION LETTERS FOR DIFFERENT DEBTS OWED BY MY EX HUSBAND WHOM I WAS DIVORCED FROM BEFORE HE INCRUED THESE DEBTS- I HAVE NOT BEEN ABLE TO SLEEP AND HAVE BEEN SUFFERING XXXX XXXX XXXX XXXX OF THIS- THEY WILL NOT RETURN MY CALLS OR EVEN DISCUSS THIS WITH ME- HE HAS A JOB - YET THEY ARE THREATENING ME WITH GARNISH AND SMALL CLAIMS
Consumer complaint received 2021-05-26
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. (IL)

I checked my credit several months ago and noticed that there were inaccuracies being reported. I reached out to TransUnion to correct the problematic items listed. Their response regarding this was that they validated the items with the company. I reached out again and they have failed to respond back. 
I am the original creditor, at no time was there an employee of TransUnion nor the other companies listed when this alleged credit transaction took place. I did not verify any trans actions nor did I give consent or authorization to Trans Union or ANY company to benefit from reporting any of my information. I have a right to privacy! Reporting this adverse information is an attempt to ruin my reputation, my character, and my life in general. This is a violation of my rights as a consumer.