davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: PENTAGON FEDERAL CREDIT UNION (VA)

I tried to work with PFCU to get my 50 % share of the escrow fund my ex cashed without my endorsement and noted in my court ordered divorce decree that I was entitled to 50 %. They told me I couldnt file a fraud claim with PFCU as they were only responsible for writing the check to both of us and that XXXX XXXX was liable. I have started a criminal investigation into this matter. The police informed me that under Federal Law PFCU has 1 year to send a hold harmless request to XXXX XXXXXXXX XXXX  and demand return of the funds under a forged Endorsement clause as my signature was not on the check. I want PFCU to start that process.
Consumer complaint received 2022-09-16
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: EQUIFAX, INC. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-03-27
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: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-05-02
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. (CA)

While checking my experian credit profile I noticed that my ratio of revolving balance to credit limit ratio is 19 % which is accurate. After doing that I checked my credit score. In checking the factors, both negative and positive, I noticed that my ratio of revolving balance to credit limit is 57 % which is not accurate in calculating my credit score. By adding all my credit card balances I concluded they are adding my car loan to my revolving balance therefore affecting my score negatively. This is not a disputable issue with Experian but is one that should be looked at carefully. I took a picture of my credit usage which is 19 % but 57 % at the credit score factors.
Consumer complaint received 2021-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IN)

Since the start of the loan our payments have been all over the map. Some {$650.00} and some {$1300.00}. The final truth in lending presented that helped make the decision to get the loan offered a set amount finance charges being broke into a set number of payments each for specific dollar amount. 24 payments of XXXX. 335 payments of XXXX and 1 payment of XXXX. It was not marked as being an adjustable interest rate. This was a refinance loan. The lender paid a total of {$80000.00} which included the closing cost and broker fee of XXXX. The first statement we received in the mail said balance of {$95000.00}!!!! And it came 21 days after closing so we could not cancel the transaction.. The copy we have it is not marked adjustable. We have our taxes and insurance being paid from an escrow account controlled by the servicer which is included in our payments every month. We received a notice saying they had audited our escrow account and it had a shortage even though they determined how much was needed monthly. None the less we made the higher payments as requested to cover the shortage. Our insurance was XXXX anually and taxes XXXX anually. So when after paying XXXX  monthly for a year and being told again there was a shortage which would require over XXXX to be placed in escrow resulting in $ XXXX balance in escrow account .and being told that what was supposed to be 5.5 interest rate now being 9.65 % our payments skyrocketed. Repeatedly i asked how there was a shortage. Never given an explanation which made sense. And when asked why our interest rate changed they said thats what we signed in agreement to. This has been a nightmare.The abuse we have suffered at the hands of various servicers is unbearable. PHH being the most recent. After ocwen ran us into the ground one final time by randomly charging XXXX for title search on top of our payment then phh took over. We are at their mercy. Companies involved are XXXX  XXXX  ( broker ) Option One ( lender ) XXXX XXXX XXXX ( trustee even though it was not a trust deed and there was no trustee named ) XXXX XXXX XXXX XXXX, Ocwen and PHH XXXX XXXX
Consumer complaint received 2017-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (SC)

This company has gone from XXXX, to XXXX, and now to XXXX. XXXX, XXXX, and the South Carolina Department of Consumer affairs ( Case number XXXX ) agree the debt has been satisfied. I have notified this company that they need to seek recourse with the employees of XXXX XXXX XXXX.
Consumer complaint received 2021-10-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (GA)

LVNV is predatory - seemingly purchased several of my old debts and also my twin sister 's debts and are demanding that I pay her accounts as well ( accusing us of being the same person ). The lawsuit as well as collection efforts show too many discrepancies. LVNV Funding as seemingly filed an unlawful suit against me. Company is suing me for an old XXXX account . However, the documents they've submitted for evidence show a different account for " XXXX '' a car company that has been sued in a class action suit. XXXX sold my account and still tried to collect on the debt that I did not owe as well as LVNV. They both continued to collect after the settlement awarded and demanded they stop. A letter was sent on my behalf to LVNV on XX/XX/2021 and XX/XX/2021 and LVNV retaliated by filing a suit on XX/XX/2021. The plaintiff, LVNV has been stalking my credit profiles, purchasing multiple debts over six years old ( time-barred ) and collecting on those debts. They've sent me emails stating that they have reached the age to sue me on other accounts but stated that I still needed to pay them- collecting on time-barred accounts and also asking that I pay debts that do not belong to me and have also inaccurately reported. They are re-aging my accounts. The original owner did not zero out my balance field nor inform the purchaser LVNV of the date he account first became delinquent. ( I no longer owe the XXXX debt because the settlement required that the debt be forgiven due to unfair practices such as violating consumer laws and predatory loan charges. Attempts to collect debt not owed and there were no written notification about debt ( didn't receive, therefor, I didn't know I could dispute debt ). Their practices are harassing, abusive, unfair and they have multiple inaccuracies and discrepancies on my reports, accounts and emails, producing bills that I've never seen and do not owe. I have requested that they stop and they sued me in retaliation. The exhibits ( Exhibit A lists XXXX but they only show proof of the XXXX account for Exhibit A ) Schedule I in the court document states the account is " XXXX '' But, Exhibit B is about " XXXX XXXX XXXX ''. There is inadequate documentation inflecting a bill that does not mirror the amount owed by the original creditor. Please find attached XXXX XXXX, emails requesting for the creditors to stop contacting me and to also stop collecting on the date ( sent my me as well as by XXXX XXXX XXXX on my behalf ) current harassing emails collecting on a time-barred account and lawsuit filed by the plaintiff about these accounts that I do not owe. Letters were sent out, ( XXXX account, time-barred and proven that I do not owe via settlement ) before the lawsuit for these accounts were filed.
Consumer complaint received 2021-08-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (FL)

The debt in claim has passed the Statute of Limitation in the State of Florida where I reside of 5 years. Also interest has been increasing illegally every time the debts has been posted since is a violation of the Fair Federal Reporting Act According to the Fair Credit Reporting Act,
Consumer complaint received 2020-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

There was a account opened in my name that I didn't give permission to do that its Capital One it was opened on XX/XX/XXXX and closed on XX/XX/XXXX of 2020 and I didn't open an account with them.
Consumer complaint received 2024-03-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MD)

On XXXX I made a purchase to XXXX through PayPal for a product. When weeks passed, the company finally sent me a track in g number and said it was delivered on XX/XX/year> ; however, the product never arrived. When I contacted the company, they refused any further help and basically said they fulfilled their part. So I contacted PayPal and had an escalated dispute in which they denied for some reason. So I appealed it. Then contacted the company once again. They company did not provide a map or picture of the item being delivered to my property. I then contacted my bank to dispute the charge. Im so frustrated. I dont have my money or my product snd no one is helping.
Consumer complaint received 2022-04-26
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. (WA)

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. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1881 Section 604 A Section 2 : I1 also states e consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681C. ( ) ( 5 ) Section States : no consumer reporting agency may make e consumer report containing any of the following items of information Any other adv Item of information, other than records of convictions of crimes which antedates the report by more than seven years. Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

On XX/XX/XXXX while reviewing my credit report I discovered on my XXXX  report that Portfolio Recovery Collections services reported to the credit bureau as of XX/XX/XXXX there is an outstanding XXXX  XXXX Balance in the amount of XXXX. 

On XX/XX/XXXX I reached out to Portfolio Recovery and spoke with a representative by the name of XXXX. According to this representative she said on XX/XX/XXXX an credit account with XXXX XXXX was opened however in XXXX XXXX the account was closed. 

I advised this representative that I did not have any open accounts with XXXX  XXXX back in XXXX and that this was fraud - nor did I ever receive any correspondence from this debt collection agency to have this matter investigated and appropriately addressed. On or about XX/XX/XXXX I opened a credit line with XXXX XXXX and then I opened a second account with this same company in XX/XX/XXXX. In XX/XX/XXXX I no longer utilized XXXX XXXX services and had both accounts closed with no remaining balance - this company also followed up with me and sent me two letters in the mail acknowledging that both account were successfully closed with no additional outstanding balances. 

According to the representative ( XXXX ) at Portfolio Recovery after informing her that this debt collection was a result of identity theft / fraud she would on my behalf submit a dispute to the credit bureau and have it submitted as ( fraud / identity theft. I was then advised again by XXXX that she would be sending me a fraud package in the mail to complete so an active investigation could be conducted. 

I am submitting this claim to the best of my ability that the information enclosed is accurate.
Consumer complaint received 2021-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was the victim of a scam.i received an email promoting mystery shopping and i responded to the e-mail.about two weeks later i received a XXXX  envelope with a letter that was on XXXX stationary and a check for {$3300.00} that had a company name of XXXX  XXXX  XXXX XXXX XXXX XXXX ny.and the check was drawn on valley national bank also in XXXX  ny XXXX the letter had instruction that stated.i was to cash the check and after the check had cleared i was to go to the nearest XXXX and purchase ( 3 ) {$1000.00} blank money orders.at this time i did not know it was a scam.when i deposited the check i was a little apprehensive, but when i checked my account about three days later the check had cleared the bank.so i withdraw {$3000.00} from my account thinking everything was good.and i was understanding that a bank will not clear a check and give you cash with out verifying that the check is good when you only have a balance of {$26.00} in your account. now the bank realize they made a mistake and now they are trying to collect that {$3000.00} through their collection dept. can you help me resolve this problem?
Consumer complaint received 2022-09-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY (MA)

On XX/XX/2022 I deposited my payroll paycheck into my local TD bank ATM. The ATM said in XXXX Business days funds would be available. Today XX/XX/XXXX I tried withdrawing funds only to be denied with a message that said insufficient funds. I then went into the TD bank and spoke to a XXXX and I was told there is a 6 day hold on my payroll paycheck. I work to hard for my paycheck to be held. I want to file a claim and recover my funds.
Consumer complaint received 2021-10-13
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: EQUIFAX, INC. (CA)

I have sent out letters to open a dispute with Equifax and XXXX on XXXX XXXX of 2021. There is inaccurate accounts on my reports. Including XXXX XXXX  with a balance of {$12000.00}, XXXX XXXX XXXX with a balance of {$120.00}, XXXX XXXX XXXX with a balance of {$26000.00}, XXXX XXXX XXXX with a balance of {$13000.00}. Its been over 30 days since Ive disputed these accounts.
Consumer complaint received 2021-01-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: FISERV INC. (AZ)

I am set up for direct deposit to my checking account through the IRS, but instead of direct depositing my funds, an account was opened in my name without my permission. According to XXXX, the account activity is as follows : XX/XX/2021 XXXX Transfer to personal bank account Amount : ( {$600.00} ) XX/XX/2021 XXXX One-time Contribution from AFC Economic Impact Payments XXXX  Amount : {$600.00} According to the above, XXXX held my money for 26 days without my knowledge and without paying any interest. According to XXXX, the current rate for personal loans ( assuming XXXX has good credit ) is 10.3 percent. Very roughly, XXXX owes me {$4.00} in interest and {>= $1,000,000} for severe emotional distress. 

When I call XXXX, no one answers the phone, so I have no reason to believe that a real person would respond to mailed correspondence either. There is no place on the website to close the account. 

I want this account closed, and all future money owed to me by the United States to be direct deposited to my personal bank account as I request every year when I file my taxes. It is not for the U.S. Treasury to run a retail bank at all, much less one that opens accounts in secret and exposes Americans to potential fraud and abuse. I have already written to my Congressional Delegation on this matter and am investigating further legal options.
Consumer complaint received 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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 2020-11-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I sent a letter to Equifax, XXXX  and XXXX on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 4 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 120 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so. I was also impacted by the Equifax breach and believe some of my accounts were compromised.
Consumer complaint received 2021-01-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CA)

XX/XX/XXXX Started application for refinancing home loan with current lender, Freedom Mortgage, to lower interest rate.I turned in all the necessary documents requested. 
Spoke with XXXX XXXX XXXX XX/XX/XXXX : Was told that lender officially accepted the application has started processing loan. Was told that will be closing late XXXX or early XXXX. 
XX/XX/XXXX : Was told that I was assigned to XXXX XXXX, customer advocate to assist with the processing and would be the contact person. XXXX. 
XXXX : Turned in all documents requested promptly including Quit Claim Deed and divorce decree. 
XX/XX/XXXX : Upon inquiry was told that no document is needed. 
XX/XX/XXXX : Was told that I need to turn in again signed Divorce Decree for title review. 
XX/XX/XXXX : I found out that XXXX XXXX has not provided Title Department of updated Quit Claim and Divorce Decree. I turned it in myself to Title. 
XX/XX/XXXX : By this time, it was more than 45 days since initial loan application. Was told that they need home insurance info but I told them that I am using current insurance and they have information available at their escrow dept. 
XX/XX/XXXX : I provided insurance contact information to speed up processing. 
XX/XX/XXXX : Was told I need to provide most current bank statement which I have provided on the same date. 
XX/XX/XXXX : I was told by XXXX XXXX that he has turned in file to underwriting for final approval. I thought it was already with underwriting since XXXX and they were just awaiting supplemental documents. There is still no information when the loan would close. 
My concern is that Freedom Mortgage has been hold on with refinancing so that I would continue to pay monthly mortgage at a higher interest rate. By using the current lender for refinancing, I would think that they have all the information they needed except for supplemental documents which I have turned in and don't see any reason why the loan has not been closed yet. I felt it is predatory to kept me waiting when this is a simple refinancing application. I am hoping you would assist and advocate on my behalf. Thank you. 
XXXX XXXX XXXX XXXX Lender : Freedom Mortgage Account Number XXXX Property : XXXX XXXX XXXX  XXXX XXXX, CA XXXX
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

- Have mailed several letters and filed complaints with XXXX regarding erroneous information on credit report. 
- Have requested to be provided with documentation mailed to me verifying debt and has not been provided ( XXXX XXXX XXXX ACCOUNT # XXXX ). 
- The information ( name ; dates ) regarding this account is repeatedly changed after each dispute in order to maintain its presence on my file.