davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (FL)

DATE : XX/XX/2022 RE : DEBT VALIDATION LETTER ATTN : LEGAL DEPARTMENT Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX Beneficiary ALL RIGHTS RESERVED WITHOUT RECOURSE XXXX
Consumer complaint received 2018-01-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (VA)

On XXXX XXXX, 2018, I received a call from Carrington Mortgage informing me that my payment for XX/XX/XXXX was not able to be processed. Upon further investigation, it was determined that the payment was not able to be processed because when I entered my baking account information, I accidentally transposed a number. I informed the representative that I was able to make the payment. She informed me that there would be a {$20.00} charge for taking the payment over the phone. I asked her if that fee could be waived and she said that she would have to speak with a supervisor and she put me on hold. When she came back to the line she stated that the supervisor was not willing to wave the fee. I then asked if I could speak to a supervisor. She put me on hold and when she came back to the line she said that she had XXXX ( # XXXX ) on the line. I explained to him that I realized that this was my mistake but asked if he could wave the fee anyway along with the late fee for XX/XX/XXXX. He stated to me that Carrington never reverse fees unless they made the mistake. At this time, I just decided to go ahead and make the payment. XXXX told me that I could not just make my regular payment, I now had to include the late fee. I told him that I only wanted to make my regular payment. He again told me that he would not take my payment unless I included the late fee. I then asked him to let me speak to another supervisor and he refused. I then asked him to transfer me back to customer service so that I could make my payment and he said that my payment would not be accepted. He then told me to have a good day and hung up. I then called back to customer service and I was able to make my regular payment and was given a confirmation number. Also, during the call with the first customer representative I was informed that I had additional fees assessed to my account that I had no knowledge of with the exception of the late fees. The fees are as follows : Property Inspection fees {$100.00}, Late Fees {$370.00}, Appraisal Fee {$440.00} and a Broker Opinion Fee {$400.00}. At one point I had decided to do a " short sale '' but changed my mind. I canceled the sale before the appraisal could be done so I just do n't understand how I could be charged an appraisal fee along with a broker opinion fee.
Consumer complaint received 2021-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX Chase bank placed a HOLD on checking account funds in the amount of {$920.00}. They can give no explanation why. They can't tell me specifically who requested the hold or who at the bank entered the hold ... only the supposed comments which various departments there are disputing the reason for the hold. The HOLD is in effect until XX/XX/XXXX, which I'm told is simply unheard of, cuz, c'mon ... we'll all be dead by then. We have zero documentation to provide for this amount. It just randomly showed up on XX/XX/XXXX as a hold on the account and we can't go under the {$920.00} amount or it causes the account to overdraw. 

Over the past 2 years I've inquired in person at the local bank branch multiple times starting when my elderly mom added me to this account to assist her. It's a total pass the buck and instructed to " call this XXXX # '' dealing with them. I've inquired via online meetings but after several meetings, the representative assisting dropped off the face of the earth unable to resolve it within their organization. I've inquired by multiple phone calls. Today, XX/XX/XXXX, I spoke with personnel in the following departments : Customer Service. HOLD Dept. Decedent Dept. Each one tells me something different and literally passed me back and forth between those departments for 2 hours ending with claims that a supervisor or specialist getting back with me. Usually they just disconnect me so at least is was a successful series of denials of responsibility this go around.
Consumer complaint received 2019-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (VA)

Tuesday XX/XX/2019 Two weeks ago I filed an application to obtain my free annual credit report from the three credit reporting bureaus and included my driver 's license, social security card, banking statement, and insurance statement. I received a letter from XXXX on XX/XX/2019 instructing me to file these same documents again and that I could use the online filing method at XXXX, which I did. They asked for verification documents and the Report # which was on the letter they sent me. After logging in and trying to view my credit report, when I pulled it up it is just a blank page. When I went back to XXXX and tried to view my free credit report request from XXXX  it said I already received my report which is not true. I have just recently been released from federal prison after serving 10 years and am finding out that loans, school loans, home equity loans and more have been done in my name during my XXXX   and am trying to obtain my credit report because that is the first step in figuring out what I will need to do to make sure my credit report is accurate. These credit bureau websites are not helpful, nor when I call the numbers will they let me speak to a live human being to explainmy situation.
Consumer complaint received 2017-07-10
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have been contacting Capital One since XXXX 2017 about 3 hard Inquiries that are on all 3 credit bureaus XXXX XXXX & XXXX XXXX, which are damaging my credit. I do not recognize these inquiries, and have place a fraud alert on my report. I have spoken with dozen Representatives from Capital One with no resolution ... ..last 4 of my social security number
Consumer complaint received 2022-09-09
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: FISERV INC. (CA)

TeleCheck from Fiserv is a check acceptance company. TeleCheck and XXXX XXXX XXXX have been providing undisclosed and fake information to XXXX about me XXXX XXXX to Decline valid charges using XXXX  XXXX XXXX XXXX account ending in XXXX. 
I have been targeted by XXXX XXXX XXXX at financial institutions like Fiserv, Telecheck, and XXXX XXXX XXXX who are attempting to destroy my Business and Personal Financial reputation with false debts and credit information. 

1 ) There is no legitimate reason my XXXX and any other online Transactions should be Declined by Telecheck. The average deposits in the checking account being used is over {$10000.00} USD. 
2 ) TeleCheck has refused to provide me, XXXX XXXX, with a Consumer Report and more than 3 requests have been made for this information on the Telecheck website XXXX ) TeleCheck has not provided a Decline Code to XXXX or me XXXX XXXX the Consumer to properly investigate the reasons for this discrimination and harassment. 
4 ) These fake Declines are illegal Hate Crimes perpetuated by XXXX XXXX XXXX working in established Financial Institutions targeting XXXX and other People of XXXX. 

Please investigate and have Telecheck release all details related to the unsubstantiated Declines. These false declines are unfairly ruining my financial reputation. These issues have been reported to Telecheck using Complaint Codes XXXX and XXXX.
Consumer complaint received 2019-10-29
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. (FL)

The company has still failed to address 2 major issues. 1 ) falsifying credit bureaus reporting the amount of actual debt owed ( real debt amount current equals {$12000.00}, Reported to credit bureaus {$28000.00} ) 2 ) They have not taken off {$290.00} interest charge made entirely in their fault and a breech of contract on a 0 % APR card, due to them tripling my debt. Quite frankly dealing with this company has caused me immeasurably grief, and financial hardships, I am now unable to do balance transfers to any other card, because of them lying to the credit bureaus about how much debt I have, which has also lowered my credit score by over 20 points. I demand them to immediately remove the {$290.00} interest charge, send an immediate letter to all credit reporting bureau with EVERY single error made on their part, and send me a copy so I can make sure my credit gets repaired. The last part should be checked by a 3rd party arbitrator, since XXXX has made dozens of mistakes over the last 6 months. Here are all of the mistakes I see since getting this account : Falsly claimed an interest charge of XXXX-XX/XX/19, falsely added {$14000.00} in debt XX/XX/20, Falsey added {$290.00} in debt with interest charge.
Consumer complaint received 2017-07-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (NV)

I have been a victim of fraud. Several credit/loan accounts have been opened in my name. Including accounts for XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX  XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), Comenity Bank ( Express Next Card ), XXXX XXXX, XXXX XXXX XXXX, and Checking and Savings with XXXX XXXX. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account. My mail had also been intercepted by the perpetrators for over two years. ANY good that were shipped and bought with ANY of those accounts I DID NOT Receive. Several Payments were made to keep accounts looking good while maxed out so I DID NOT find out about the accounts until much later and the damage had been done. The prepaid bank accounts and suntrust bank account that made payments on these alleged accounts was opened and funded fraudulently.
Consumer complaint received 2017-07-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (WA)

EOS CCA called X/XX/2017 asked for personal information. Never sent a letter stating who they were or what they wanted. started calling again a month later never stating who they were or why they were calling again no letter??
Consumer complaint received 2019-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The company has still failed to address 2 major issues. 1 ) falsifying credit bureaus reporting the amount of actual debt owed ( real debt amount current equals {$12000.00}, Reported to credit bureaus {$28000.00} ) 2 ) They have not taken off {$290.00} interest charge made entirely in their fault and a breech of contract on a 0 % APR card, due to them tripling my debt. Quite frankly dealing with this company has caused me immeasurably grief, and financial hardships, I am now unable to do balance transfers to any other card, because of them lying to the credit bureaus about how much debt I have, which has also lowered my credit score by over 20 points. I demand them to immediately remove the {$290.00} interest charge, send an immediate letter to all credit reporting bureau with EVERY single error made on their part, and send me a copy so I can make sure my credit gets repaired. The last part should be checked by a 3rd party arbitrator, since XXXX has made dozens of mistakes over the last 6 months. Here are all of the mistakes I see since getting this account : Falsly claimed an interest charge of XXXX-XX/XX/19, falsely added {$14000.00} in debt XX/XX/20, Falsey added {$290.00} in debt with interest charge.
Consumer complaint received 2017-07-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (OR)

In XXXX of 2017 I called PennyMac to request that all overpayments sent by electronic check be applied to principle rather than advancing the payment due date. The representative agreed and said the changes were made at that time. When my XX/XX/XXXX payment was applied to my account at PennyMac, they erroneously applied 100 % of the payment to principle instead of distributing it to principle, interest and escrow. I messaged them online and they promptly corrected the error. I was told the problem that caused the error was fixed. When my XXXX 2017 payment was applied, again 100 % of the payment was applied to principle. On X/XX/17 I messaged them to correct the error. They assured me the error would be fixed. When I checked on X/XX/17 the error had not yet been fixed and there was now {$30.00} late fee applied to the account dated X/XX/17. Again I messaged them online insisting the error be rectified. As of X/XX/17 the XX/XX/XXXX payment has now been re-applied properly ( to P & I and escrow ) to the account, but the late payment fee, which resulted because of PennyMac 's error, has not been reversed.
Consumer complaint received 2022-07-05
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-02-02
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I am the Executor of Estate of XXXX XXXX XXXX, my mother, who XXXX XXXX XXXX 
Until her XXXX, she had a savings account at Citizens Bank. The account placed an overdraft on her account, without telling her what it was for, charging interest for it, and illustrating it on her monthly statements as if it were a credit not a debit. As a result, when I closed the account today, the overdraft was debited from what the bank statement said her balance was. Had she known what was going on she never would have allowed such a balance to go unpaid for as long as it was. No attempt was made by anyone from the bank to advise her what this was costing her. 
XXXX XXXX was XXXX with XXXX XXXX XXXX XXXX and was unable to resolve with a customer service representative by phone. She was physically unable to come into the bank in person. 
I believe these monthly statements are deliberately confusing and incomprehensible and designed to take advantage of someone with the XXXX my mother had.
Consumer complaint received 2022-03-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE (OH)

This text came from bank, which I don't have any current accounts with. By making it sound as if my accounts would be locked out money would be lost tried to get me panic and click this link they sent. Which you never click the link they send you no matter who they claim to be.
Consumer complaint received 2019-10-29
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

Company of concern : Bayview Loan Servicing XXXX XXXX XXXX XXXX MI XXXX complaint : After a refi, this company took over servicing from the lender that closed the loan. During the loan closing process and after the loan closed Bayview has been repeatedly requesting that we supply them with proof of hazard insurance. We have provided ( myself and my insurance agency ) to the whomever the person from Bayview requesting the docs at the time of inquiry. I've emailed on several occasions and even used their online portal system to submit the docs. I've requested several times from Bayview that someone please acknowledge my proof of insurance and remove me from the " final notice '' list. They send me a letter every month explaining they need proof. They also state they will auto draw an absorbent amount from my account to cover the cost of insurance. 

I'm at a loss and don't know how to move forward with this company. I'm hoping my complaint will help solve the service issue I'm experiencing. To be honest, these tactics feel predatory.
Consumer complaint received 2018-01-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Exeter Finance, LLC. (NJ)

I purchased a used XXXX XXXX XXXX paid off on XX/2017and I never received the title of the car. EXETER FINANCE claimed that the car title was sent to a secondary address, which never was received. I Called and requested the car title to be sent to my primary address and I never received, either. EXETER FINANCE explained that was sent several weeks ago, before the holiday season started. But, I am still waiting for the car title.
Consumer complaint received 2018-01-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I opened a 1-year certificate of deposit with XXXX XXXX The account was opened online even though I lived in XXXX. In XXXX, we received a letter reminding me that the CD was about to mature and I needed to take action to receive my money back, otherwise it would roll over into a new CD. I called the number listed on the letter to ask to withdraw money but was told I had to go into a branch to receive the funds. I told the adviser that I had moved 6 months ago and getting to the branch would take a 2 hour drive. I was told that there was no way I could get my money without driving to a branch and no further assistance was offered. I called back 4 times over the next few weeks and no one seemed to be able to help me. I am sure I am not the only person who has moved away from the XXXX area. I was directed to call a branch and they directed me back to the call center. This happened multiple times. Finally, in XXXX, I was given an address in Rhode Island to mail a letter to that would authorize the money to be returned to me without going to a branch. I mailed the letter and about a month letter, I was told that I missed the 10 day window to withdraw the funds. I missed the 10 day window because no one knew how to help me. I was told to either pay {$50.00} or wait until 14 months to get my money. This is not fair - please help!
Consumer complaint received 2022-08-10
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. (MN)

I have a couple things going on. 

I went to a car XXXX dealership and was already approved by my bank and had the cashier check to pay for my car. XXXX said that can give me a better rate with XXXX if I finance with them. I was informed that they would only pull my credit once with XXXX and I was approved for a loan through XXXX but I realized that I had a lot more inquires on my report that I did not authorize or didn't know about. I called my sales rep and asked about the inquires and I was advised that they were looking the best rate even without my permission and they would consolidate into one inquire. I has been over a year and they are still there. 

XXXX Credit Report XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion 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