davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sezzle Inc. (PA)

The sezzle XXXX Account payments were rescheduled due to covid. Agent said payments were pushback 6 weeks and no penaltys will be held. 
This company started credit reporting negative incorrectly. Has made account late. Has inadequately reported incorrect balances. Has has reported incorrect balances different months or available credit.. First reported as loan then later changed to credit card. 
When trying to communicate agents are not helpful and rude. This company should be ashamed
Consumer complaint received 2021-05-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants and Professional Bureau, Inc. (CA)

My service was XXXX to XXXX atXXXX XXXX XXXX and now they have sent my account which shows {$440.00} and now it's to collection agency 'Merchants And Professional Collection Bureau , IncXXXX XXXX for {$440.00}, my date of service was XXXX XXXX and i had XXXX XXXX XXXX XXXX XXXX XXXX XXXX health insurance and i had about {$50.00} deductible and total out of pocket cost was about {$820.00}. but i had copay very low. It has happened to me before that if hospital or clinic don't file claim on time frame according to insurance company guideline then they wouldn't get paid so i would like to get all information starting date of service to when they filed claim to my insurance and again i had about {$50.00} To {$75.00} copay. To me it's look like because of their billing department mistake, so then they go after patients to cover up their cost. They should Audit the billing department
Consumer complaint received 2021-05-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I was approved for a three month trial plan and what was told over the phone was absolutely great, a savings of about {$1000.00}. However after thoroughly reviewing the offer made, there is now a {$290000.00} balloon payment that will come due after I pay off the principal balance of {$360000.00}. 

My principal balance increased from {$330000.00} to {$360000.00} which is an increase of {$31000.00} Per my mortgage statement from XX/XX/20, I was behind {$22000.00} and granted that is a year ago so another {$3000.00} x 12 months should be added to that which is {$37000.00}. I understand that there may be foreclosure or attorney costs that may have accrued but {$22000.00} + {$37000.00} = {$59000.00} but don't forget, my principal increased by {$31000.00} so ( {$59000.00} - {$31000.00} = {$27000.00} ) Either one too many numbers were included on the balloon payment offered or that means the attorney and foreclosure fees have added up to $ XXXX. I fail to see how these numbers make sense.
Consumer complaint received 2022-10-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (MI)

I bought XXXX cards in early XX/XX/2022. They were unopened and unused until XX/XX/XXXX. That day I checked the balance on vanillagift.com as instructed. It showed XXXX cards, each with a full balance of {$50.00}. 2 days later the cards were rejected. When I got back from vacation, I contacted the company and they verified that the cards had been drained at XXXX the night I checked the balance on their site ( XX/XX/XXXX ). One card had XXXX - {$0.00} charges and was drained in 1 minute. The other had a few other amounts. It was mostly drained over XXXX XXXX min periods. All charges were to " XXXX ''. Obviously these were not legitimate charges as there is no way to make XXXX transactions in under a minute. They locked both cards so I have never had access to XXXX of the {$50.00} cards. I had to wait for them to send copies of the charges and I submitted the dispute packet XX/XX/2022. I have contacted them by email. No response. I have called and they keep telling me XXXX days " to review ''. 
They have no intention of giving me back my {$100.00}. The cards were good until I went to their page. Once drained from their page, they locked the cards so I didn't even have access to the balance. Vanilla pre-paid visas are a scam.
Consumer complaint received 2022-04-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (PA)

On or around XXXX XXXX, 2021, I fell victim to a multi-layered scam operation ran by the XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to these fraudulent investment companies.
Consumer complaint received 2021-05-08
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. (NY)

This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
Consumer complaint received 2018-02-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (KS)

I had an original XXXX XXXX XXXX Home Mortgage Loan for my primary residence which has been subsequently sold off to several other mortgage servicers. During the 2008 Financial Crisis my mortgage became insolvent and I was eligible for relief under the HAMP and TARP programs. I applied for a loan modification and was wrongfully denied a modification and have since been in litigation with the mortgage servicers for several years. Per TARP, HAMP and Federal Law. This was not supposed to affect my credit. However, my loan servicer still reports this as a derogatory mark against my credit. They have taken payments from me during a trial modification period. All the payments I made were made in good faith as well as being both timely and well documented. Once again they refused to reinstate my loan and demanded the entire mortgage ballooned to be due and payable in full. We have a written settlement agreement that they have refused to honor. They did not act in good faith and I am pleading for relief.
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (NE)

In XX/XX/2020, I turned in a leased vehicle to GM Financial as the lease was up. A final bill for the disposition fee was not sent to us for a few months, which we received in XX/XX/2020. I called GM to see if we were able to make payments on it instead of paying in full as that is what we have done with those fees previously. The agent said absolutely, no problem. It is now showing as a late payment on my credit report. I was NEVER told that it would be reported on my credit report as a late payment if I didn't pay in full, so why would the agent falsify that it was ok to make payments on it? In addition, GM has sent no correspondence to us that it would be reported on our credit if not payed in full either. I payed in full the remaining balance today as I can not afford another late payment on my credit from GM financial for the disposition fee. I have leased vehicles with them for 10 years now but if this is how situations are handled, I will likely not be a repeat customer.
Consumer complaint received 2021-03-31
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I received this email, stating reply for feedback. I did this and it shows on my complaint. This complaint is with Bank of America. I did receive email from the bank resolving the issue. They also followed up with letters on both accounts. However I called on collector ( XXXXXX/XX/XXXX XXXX ) never could get anyone on the phone, have left messages to call me so I could set up payment arrangements. The other ( Recovery Unit Dept ) I have not called yet. The email I received from Bank of America was in XX/XX/2021, the letters are dated XX/XX/2021. XXXX XX/XX/2021 I received a Summons delivered in person at my home. Trail date is XX/XX/2021. The server stated that I should call, scene I have already reached out, and thought that these accounts was resolved far as payment arrangements. Im so confused, upset that Bank of America would do this. I will call the court as the server suggested, and upload all the letters and Summons for your review.
Consumer complaint received 2021-05-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reasons and will not help me with getting it back up and going i am not sure if this is some mistakes as i assumed it has to be. I have not been able to get help from them for months but i just remembered i could file a report on here as i feel they are not doing their job properly and it is affecting me a great deal as i used PayPal quite frequently. My email Linked to my PayPal account is XXXX XXXX
Consumer complaint received 2021-12-03
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. (NY)

My identity was stolen and there are alot of this that are opened under my name which was fraudulent and unauthorized .These items are messing up my life and I need them all removed asap.
Consumer complaint received 2020-10-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TN)

We have a long, storied history with NewRez regarding the removal of our PMI. We initiated this process in XXXX of this year, however it was not until XXXX that they scheduled the Broker Price Opinion of our property. I will not rehash the past in this complaint, but I have already filed 4 complaints with the CFPB regarding this issue ( See complaint numbers : XXXX, XXXX, XXXX, XXXX. As per the letter I received from NewRez Financial, my PMI was cancelled XX/XX/2020. The letter also states I will receive an updated escrow analysis which would reflect my new mortgage payment. I never received an updated analysis. I called XX/XX/2020 and spoke with a representative, who told me that the escrow analysis was due to be completed XX/XX/2020 and I should receive a copy shortly. Today is XX/XX/2020 and I have never received an updated escrow analysis. I called NewRez again this afternoon only to find out they never performed an updated escrow analysis. I have been billed the same amount for my mortgage every month since my PMI was " cancelled ''. My payment has never reflected the cancellation of my PMI. Furthermore, as my PMI was cancelled XX/XX/2020 the 45-day deadline for NewRez to return any PMI overpayments after cancellation passed XX/XX/2020. I have not received any refund checks, nor has there been any credit to my account for the amount I have overpaid. The agent I spoke with today told me she put a " rush '' on another escrow analysis, and that I should expect it by XX/XX/2020. However, after being lied to about this before, I will not believe it until I see it. 

In addition to the PMI challenge I have experienced, we have also experienced numerous challenges with the Escrow department at NewRez. In addition to the four CFPB complaints made about our PMI issue, I have filed an additional 3 complaints regarding their handling of my Escrow account. This company has lied to me over and over again. Something needs to be done about this.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

To Whom It May Concern, I am writing to officially dispute certain items in my consumer report, which were reported without my prior written consent. This matter is brought to your attention in accordance with the provisions outlined in 15 USC 1681b, which are designed to protect consumer privacy. 

I have already filed a report with the Federal Trade Commission ( FTC ) concerning the unauthorized reporting of my personal information, which I believe amounts to identity theft. The FTC has provided me with a reference number for this report, which is [ XXXX ]. 

Per 15 USC 1681c-2, it is mandatory for consumer reporting agencies to promptly block the reporting of any information in a consumer 's file that the consumer identifies as stemming from alleged identity theft. I kindly request that you adhere to this legal requirement and expeditiously remove the following accounts from my consumer report : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-02-10
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: Experian Information Solutions Inc. (NJ)

Score Decrease Your FICO Score has decreased by 3 points. 

Today Bank / Credit Card Inquiry XXXX XXXX XXXX got a copy of your Experian Credit Report. 

Today What happened? 
XXXX XXXX XXXX made a Bank XXXX Credit Card Inquiry by checking your Experian Credit File. When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months. 

Source : Experian Company : XXXX XXXX XXXX Address : XXXX XXXX  XXXX XXXX, XXXX XXXX, NV XXXX Phone : XXXX XXXX XXXX XXXX What Now? 
If you're still searching for the perfect card, explore your matched offers and apply with confidence through XXXX. 


Not Correct? 
You are receiving this alert because your membership includes Experian Credit Monitoring & Alerts.

What is Experian Credit Monitoring & Alerts? 

Close I did not apply for, nor have I ever applied for a XXXX XXXX account of any kind ( credit or otherwise ), ever! 

Dr. XXXX,
Consumer complaint received 2022-10-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (SC)

On XXXX I sent a letter to the XXXX along with documents from Wells Fargo and a spreadsheet showing a detailed list of every financial item from XX/XX/XXXX until XX/XX/XXXX. It was assigned complaint number XXXX and forwarded to Wells Fargo XXXX The intent of these documents was to show the deceitful way in which Wells Fargo serviced my loan and the deliberate lies made by Wells Fargo. This account was passed from Wells Fargo in XXXX of XXXX to XXXX  for servicing. Wells Fargo never directly answered my questions about the missing payment from XXXX XXXX or the disappearance of {$2300.00} in escrow that went into my account in XXXX of XXXX. The letter I received from a executive of Wells Fargo on XXXX XXXX of XXXX still claims an escrow overafe from XXXX of XXXX was applied to my XX/XX/XXXX payment. As is shown on the financial spreadsheet this is a false statement. In actuality in XXXX of XXXX the escrow account was short by {$340.00}. The so called escrow overage was funded out of the funds I sent in XXXX of XXXX. Also the {$340.00} shortage was paid along with the beginning scrow balance of {$730.00} on the XXXX XX/XX/XXXX starement. The letter stating there was a escrow overage in XX/XX/XXXX was sent in error. Why Wells Fargo was not honest and say it was an error is what I did not understand. When reviewing the spreadsheet I Found that wells fargo intentionally caused my attempt to refinnce and get my mortgage undern90 days late was blocked by reversing the XX/XX/XXXX payment on XXXX XXXX. THE {$1200.00} was also taken back and never accounted fot as it is not included in the YTD amount paid in XXXX nor is the YTD amount paid into escrow correct. .This isnt correctable by Wells Fargo XXXX I want the appropriate legal action taken against Wells Fargo. Also if Wells Fargo applied a advance of {$2200.00} around XX/XX/XXXX where did it go? The amounts due for this account were not correct when handed off to XXXX. I notified both corporations. Also, I verbally requested a legal firm be added to my account in XXXX of XXXX in a 3 way conversation. Wells Fargo granted them access on XXXX XX/XX/XXXX. 6 days before they made a final decision on my request for a modification.This cost me {$6000.00} and they never had a chance to see anything.
Consumer complaint received 2022-04-07
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX Account : XXXX XXXXXXXX XXXX  # XXXXXXXX XXXX XXXXacct # XXXX XXXX XXXX-acct # XXXX XXXX XXXX XXXX XXXXacct # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX-acct # XXXX XXXX XXXX-acct # XXXXXXXX XXXX XXXXacct # XXXX 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 an account without my written instructions.
Consumer complaint received 2022-04-07
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: Sunbit, Inc. (FL)

On XXXX XXXX, 2022, I discovered that a new credit account was opened on my credit report. This account had been fraudulently opened without my consent. I immediately contacted the creditor Sunbit and was informed that the account was opened at a car dealership in California. I was given an account number for reference.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX XX/XX/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 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 2023-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-27
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. (CA)

I had a debt. from a health care company turned over to collections with XXXX XXXX XXXX. I paid this account in full and it is marked paid with a XXXX dollar balance on all of my credit reports. XXXX agreed to remove it from collections on my credit report since it had been paid in full and the original balance was only {$130.00}. However, both XXXX and Transunion refused to remove the item from collections on my credit report, even though the account showed a XXXX dollar balance on both reports. Both comapanies told me they could not do anything for me unless XXXX XXXX XXXX sent them and electronic agreement that they wanted the item removed from my credit report. I contacted XXXX XXXX XXXX multiple times and they repeatedly claimed they sent this request to all three credit bureaus and can do nothing else to help me.
Consumer complaint received 2018-02-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC (CO)

Direct Recovery Services has repeatedly called, my husband, my ex-husband, my ex-husbands wife, my ex-mother in-law and myself. The woman has been given the information of my Bankruptcy Attorney on two occasions and was informed any further communications needed to be done through him. She continues to call regardless of having been given this information. Furthermore she is informing people other than myself that she is a debt collector calling regarding my balance.