davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (AL)

Addresses dont belong to me never live at addresses. 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 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 2021-02-26
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. (AZ)

I disputed my balance and/or past due amount are/is correct. I also Disputed My payment history/rating is incorrect in showing 21 % and me having 48 late payments reported by XXXX  with the dispute being completed on XXXX. Both were for my account with the MN child support agency. The conclusion of the dispute stated the information was updated. 

My Equifax payment history shop at 91 % and is stating I've missed one payment with the MN child support agency. I have documentation from the MN child support agency stating I am current on my payments and I am not in the areas on this account.
Consumer complaint received 2020-07-14
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP (OR)

Hi my name is XXXX XXXX, Someone filed an unemployment claim under my identity with the Ohio Unemployment Department. I am an Oregon resident and have been my whole life. I have never been on unemployment before. This is fraud. I even called one of the numbers on the pamphlet and the card isnt even associated with my telephone number. I made a change so it is now to : XXXX. 

Please someone contact me regarding this. You can call or email me : XXXX or XXXX XXXX
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I've disputed the following account several times directly with XXXX and with Experian credit bureau. This account was removed and reinstated by Experian. The representative from XXXX refused to respond to me as to the validity of the account. Experian claims that they are verifying the account, although they refusing to show me any proof of who they talked to or how they verified the account 's accuracy. 

XXXX XXXX XXXX  Experian XXXX  Account # : XXXX Account Type : Installment Account Type - Detail : Unsecured loan Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$21000.00} No. of Months ( terms ) : 60 High Credit : {$20000.00} Credit Limit : {$0.00} Past Due : {$21000.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Unpaid balance reported as a loss by the credit grantor. 
Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX
Consumer complaint received 2018-01-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Direct Recovery Services, LLC (OK)

I received a call from ( XXXX ) XXXX at XXXX XXXX on XXXX XXXX, 2018.  They asked to speak with an individual I do not know. Typically, I just hang up the phone, but I have been receiving these calls so frequently that I decided to try to sort out the problem. I asked them to provide me with the caller 's name, organization, and purpose. The caller hung up on me, so I called back and went through a similar conversation with another person, XXXX XXXX. When asked who they represented, they said, " XXXX. '' Eventually, I was able to get them to say that the organization is Direct Recovery Services. I attempted to have a conversation with them regarding how they acquired my phone number and how to get them to stop calling me. This individual also hung up the phone in the middle of our conversation. I do n't know the person they are calling for, and I have repeatedly told them they have the wrong number and to stop calling.
Consumer complaint received 2019-05-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CO)

Hello, On XX/XX/XXXX I received a Escrow Check in the Amount of {$570.00}. My Mortgage was {$1500.00} prior to this refund. My mortgage increases to {$1500.00}. I cash the Check. 
On XX/XX/XXXX, I receive notice that my Escrow is short by {$1300.00}. I have two options, do nothing and my Mortgage goes from {$1500.00} to {$1700.00} or pay the shortage of {$1300.00} and my Mortgage goes from {$1500.00} to {$1600.00}. I choose to pay the {$1300.00}. So at that time I am obviously irritated and call a Wells Fargo Rep., she tells me I should not have cashed the check. So in my mind why send it in the 1st place. So the Bank used this loophole to raise my mortgage? 
On XX/XX/XXXX, I receive another Escrow Check in the Amount of {$460.00}. So I again call Wells Fargo and talk to a representative who tells me that the escrow is evaluated every year in XX/XX/XXXX and that all escrow overages have to be returned to the customer. I just got my XX/XX/XXXX Tax evaluation and my property has increased in value from XXXX to XXXX. Obviously, the Taxes will increase and again I will be short on my Escrow Account and get to look forward to another Mortgage increase. This was explained to the representative and she told me she had no control over the tax increase. I get that and suggested that I do not cash the Check and she basically told me I had to. So, my thought is to cash the check and put it back into my escrow account as I pay it on line and have that option. She did not confirm or deny if this was acceptable, but did say even if I wasn't short in escrow come next XX/XX/XXXX I could expect to see an increase in my mortgage to cover the escrow shortage on paper to cover the tax increase, really? 
Again, I feel this is a game played by this lender to constantly increase your mortgage every 2 years and it is not right! I should be able to add more escrow monthly to avoid a mortgage increase. I am XXXX, and really do not feel that my income will increase to offset this increase every 2 years. What is the escrow overage limit defined by the government that has to be returned to the lender? 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2018-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (SC)

I called Round Point Mortgage on a few months ago on XX/XX/XXXX to make a payment over the phone. The lady asked if I 'd like to set up automatic payments for the future. I asked her ... to make sure ... that it would NOT auto draft a separate payment that same month out of my account. She said no- ( seems like a silly question but this is exactly what happened ) on XX/XX/XXXX my monthly mortgage was drafted out of my account again. 
I was devastated because this was right before XXXX. Not only did this drain my account but now it was going to make me financial unstable during the holiday season along with other bills I had to pay. I called Round Point back to file a complaint and to ask them why this happened. They proceeded to tell me it 's because I set up auto payments but in reality ... I even asked to make sure it would NOT be taken out a second time. I stayed calm as they told me they would send me a check in 2-3 business day and followed the correct procedure by providing them with bank statements to show the withdraw. A few days passed and I never received a check. I called back round point for them to tell me " Oh, I 'm sorry they meant to tell you 5-7 days '' - ok wow. Whatever ... so I waited a few days. I called back again after I did not receive a check. Then someone said " Oh, well I am sorry they should have told you 10 days '' ... wow, now I 'm getting angry. I waited a few more days - I never received a check. I then called back to ask if they could please cancel this check and send me a new one since this one was apparently lost in the mail or never made it to my address. I called back and asked for this issue to be escalated- they told it would take another 10 days before I got my check. This time I asked for it to go to a different address ( my boyfriends house - in case something was messed up with the mail or that address ) I called after another 10 days ... .they still told me to wait. I explained to them numerous times this was a huge burden on me - and this was Round Points fault in the first place - they were welcome to listen to the call if they 'd like. I have been patient enough- I called them to threaten a complaint with the CFPB and " now '' they said they would send me a check in the mail over night .... I am done playing their games. I need this money to pay my bills. I 've been so stressed about bills and was not able to afford to get my family what I wanted because I refuse to miss a payment on any bills ( and I 've never missed a payment ) just to prove a point. At this point this complaint it necessary and this issue needs to be investigated. This could be happening to more people than just me- I know how stressed and frustrated I have been because it is now XX/XX/XXXX and I still have yet to get my {$1300.00} back into my account. I 'm furious and never get the customer service I deserve with this company.
Consumer complaint received 2016-01-19
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX - XXXX XXXX/XXXX/XXXX Capital One Bank, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX : Credit Card # XXXX Dear Capital One, I am writing to you today regarding my credit card account # XXXX which I had since XX/XX/XXXX. The purpose of my correspondence is to see if you would be willing to make a " GOODWILL ADJUSTMENT '' on the reporting of this account to the XXXX major credit agencies I requested several times by mail general correspondence date on XXXX/XX/XX/XXXX/XXXX XX/XX/XXXX and XX/XX/XXXX ( letters attached ) and Consumer Financial Protection Bureau on XX/XX/XXXX and XX/XX/XXXX ( letters attached ) But all the times my request has been denied. I have a XXXX active accounts good standing, Accounts numbers are XXXX and XXXX. 
During the time period this account was established I had was very happy with the service. I am writing to requests again and again please help me out to removed late payment on XX/XX/XXXX. 
I really enjoy business with your company and hope to continue a satisfying in the future. Please make in to consideration my loyalty to your company and work with me to remove these negative marks from my credit reports. 
I look forward to hearing from soon Sincerely XXXX XXXX XXXX
Consumer complaint received 2024-03-14
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: CITIBANK, N.A. (NJ)

On XX/XX/XXXX I sent out a dispute letter in reference to Macys account. I received no response. I sent out a Cease and Desist prior to XX/XX/XXXX and Macys representatives continued to call me. 
On XX/XX/XXXX I sent a letter to Macys Vice President & Assistant General Counsel disputing the same account and did not receive a response. 
On XX/XX/XXXX I wrote and email attempting to have this account closed due to macys error and the representative apologized and offered late fees to be removed. I asked again for the alleged debt to be validated and received no validation. 
On XX/XX/XXXX I sent a follow up email in reference to me and my telephone number being on the do not call registry since XX/XX/XXXX and received no response. In this letter I provided pictures of the numerous calls I received all hours of the say as well as the messages left. 
A few of the calls I was able to obtain were on the following dates : XX/XX/XXXX at XXXX from XXXX XX/XX/XXXX at XXXX from XXXX XX/XX/XXXX at XXXX from XXXX XX/XX/XXXX at XXXX from XXXX and many other calls. All of these calls were after the Cease and Desist was sent as well as after my registry on the Do Not Call Registry on XX/XX/XXXX.
Consumer complaint received 2020-05-09
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. (NY)

Hello : I am requesting assistance with three credit reporting agencies as well as XXXX XXXX Credit Card. 

While requesting my free annual credit report, I observed there to be asking/verifying questions in which is not applicable to me. 

1. I was asked about a car loan, car loan payment amount, pet insurance and student loan information. I do not have these information on my credit report. why is it showing up there. I dont have any of these about mentioned accounts. 

On an ongoing basis, I have noticed my account balances to be incorrect as well as the account limits. 

XXXX XXXX also reported me late in XX/XX/XXXX and XX/XX/XXXX, when I paid from a bank account on time. 

My XXXX card balance is incorrect. They are reporting me late, when I pay my accounts on time every month. 

I requested to receive SCRA benefits from XXXX  XXXX, in which I was denied SCRA benefits on my XXXX  XXXX account. I was advised this is a law. They also reported late, when I explained to them I was in training and the bills went to the incorrect address. 

The account was also on reoccurring monthly payments. which they took out payment but still reported as late. I am asking assistance with this matter.
Consumer complaint received 2019-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (MD)

On XX/XX/XXXX, I entered into a purchase agreement with XXXX XXXX ( now known as XXXX   XXXX XXXX XXXX XXXX ) in XXXX, Maryland for the purchase of XXXX XXXX in the amount of {$7400.00}. The purchase was financed through a medical credit card account with Comenity-XXXX. Under their deferred interest plan, no interest was payable as long as the payments were made timely. 

Pursuant to the XXXX credit account, I received monthly statements over a period of 23 months. The statements were paid within a few days of receipt. At no time did Comenity indicate that any payment was not made timely. 

On or about XX/XX/XXXX, I received a statement for {$300.00} for 24th and final payment. On XX/XX/XXXX, I called Customer Service to confirm that payment of this 24th statement was indeed the last payment owed. 

On XX/XX/XXXX, I wrote a check made payable to " Comenity-XXXX '' in payment of the 24th and final payment. I placed that check into a U.S. Postal Service mailbox on either XX/XX/XXXX or XX/XX/XXXX. Please see a copy of the attached notarized Certificate of Mailing. 

Nothwithstanding my prompt payment, I received another statement in XXXX from Comenity indicating a new balance of {$2500.00}, which included an interest charge of {$2200.00}. When I called Customer Service to inquire, Comenity suspiciously claimed that my payment, which was mailed no later than XX/XX/XXXX, had not been " posted '' until XX/XX/XXXX. Therefore, they were adding a deferred interest charge of {$2200.00} plus a {$27.00} late fee. Although requested by me, Comenity offered no proof that the check was not received until XX/XX/XXXX. In other words, for a {$300.00} final payment, which was mailed timely, Comenity had added a {$27.00} late fee and a {$2200.00} interest charge!
Consumer complaint received 2021-02-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I wrote a letter to Trans Union LLC Dispute Center on XX/XX/2020 and XX/XX/2020 asking them to investigate some accounts. They responded on XX/XX/2020 report # XXXX that the accounts were verified. I asked for a description of your procedures in detail ie.. who you spoke to, contact #, address etc.. on XX/XX/2020 and they you failed to respond with the information requested. Instead they sent some generic computer generated response. The account in question is XXXX  XXXX XXXX account balance {$1900.00}
Consumer complaint received 2018-06-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (WA)

I applied for a loan for a new mortgage, after I sold my existing home. The lender, " Loan Depot '', is  the same lender for both loans. 

I have had difficultly with the account manager XXXX XXXX at Loan Depot, who I believe at this time is negligent in the handling of the paperwork I continue to submit to her over and over again on a weekly basis. I ask for verification that she has received the paperwork I have submitted to her, but never hear from her until late Friday afternoon asking for the same paperwork I sent to her earlier in the week. 

Last Wednesday XX/XX/XXXX, I requested someone different to follow this process through to her and my loan officer. She said no, she would be the one to follow the loan. 

I also feel at this time, she is doing it out of harassment because I am so vocal about her incompetence regarding the paperwork.
Consumer complaint received 2016-07-22
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (IL)

The bank made an error in charging me an overdraft fee. On XXXX/XXXX/16, I was charged XXXX overdraft fees ( {$36.00} each ). According to my statement, there were only XXXX qualifying transactions that should have resulted in fees. These transactions were conducted on XXXX/XXXX/16 ; the fees hit my account 3 days later. I even made a deposit into my account for {$75.00} without knowing I was going to be charged fees. As a result of the fees hitting my account days later, my account was overdrawn due to the bank not being forthcoming about my balance. I spoke to a teller at the location near me, and was told that there were no fees being charged to my account. Right now, my balance is - {$350.00}, all of which are overdraft fees as a result of the bank not charging me until 3 days later. There needs to be some form of recourse for this ; according to my statement, there was {$140.00} in my account prior to them charging me these fees.
Consumer complaint received 2021-11-05
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: U.S. BANCORP (CA)

On the morning of XX/XX/XXXX morning of XXXX, US bank, which is owned by the XXXX government XXXX, sent a repo guy to our home in XXXX, California, and repossessed my fishing Boat named XXXX. I purchased the boat in XX/XX/XXXX in XXXX Florida, new XXXX XXXX XXXX XXXX for $ XXXX. I was unemployed and qualified for the loan using my XXXX balance. The boat and the trailer were registered in Florida. I deposited $ XXXX and continued to make monthly payments of {$380.00} using my XXXX since and never missed a payment. As of today, I have made about 36 payments of {$380.00}. 

I moved to XXXX California in XX/XX/XXXX, notified US Bank about my move, asked the bank to send the lien title to California XXXX, so it could be registered in the state. The bank continued to send invoices, I continued to make payments, but the bank never sent the title to the XXXX. I obtained temporary operating permits ( attached ) from the XXXX XXXX, CA XXXX twice. Per instructions from the XXXX, I provided the document to US Bank via mail ( XXXX XXXX XXXX, XXXX, WI, XXXX ) and via fax ( receipt attached ) requesting that the lien title be sent to the XXXX. It is illegal to use the boat on federal water without registration in the state of California. 

The last temporary operating permits from XXXX XXXX, CA expired on XX/XX/XXXX. I could not use the boat legally in the state. The bank refused to send the title to the XXXX. Therefore the boat could not be used legally in the state of California. I missed the last three payments. 

During the last 3 months, the US bank called me multiple times a week ( early in the morning, late evening ) asking for payment, but refused to provide the lien to the XXXX. I have told them repeatedly that the boat can't be used legally in California without registration. I have also called them dozens of times to send the lien to XXXX so I could use the boat and go fishing. In the meantime, the Bank reported me to the credit bureau, my credit rating dropped dramatically. It told me in XXXX that I am delinquent for 180 days, the Bank will consider repossessing the boat. But the bank repossessed within 90 days ( attached video ). 

Since the repossession of the boat ( XX/XX/XXXX ), I have called the bank three times ( XXXX ). Twice I had about half an hour conversation and the call was recorded. I requested the bank to return the boat and the title to the XXXX, and I promised to make up the missing payments. Each time it told me that a manager or supervisor will contact me within 24 hours, but it never did. 

I tried to log in online ( US BANK dashboard ) to understand what really happened, but the Bank deleted my account. ( attached ). Therefore I believe the US bank has stolen the boat, personal stuff, ruined my credit rating, caused trauma to me, my family, insulted and humiliated us in public, and disturb the peace of my family and the community.
Consumer complaint received 2020-07-14
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ALLY FINANCIAL INC. (OH)

Company filed a lien against my proper past the statue of limitations and did not provide documentation or allow time for a disputed reply to judgement demand. Lien needs to be removed immediately. I am being harassed by this company.