davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-29
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: Experian Information Solutions Inc. (NY)

I am a victim of identity theft Ive noticed 7 credit accounts opened under my name that i never authorized to be opened.I first noticed these accounts opened when I interested in purchasing a home and the realtor i was working with did a credit check on XX/XX/XXXX. The accounts opened date back to XXXX I dont believe in having debt so i never use credit cards. The actions that ive taken is file an identity theft claim at my local police department in XXXX, New York like my lawyer advised me too. I then went ahead and submitted the police report and affidavit to all 3 credit bureaus ( Experian, XXXX, XXXX ). They failed to act on the information provided and did not provide me with their verification methods. Under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The consumer bureaus only added a fraud alert to my credit report no accounts have been removed even though they have not been able to verify this information my life and my families life has been drastically affected by these malicious actions and the failure of the credit bureaus to uphold the law.
Consumer complaint received 2022-03-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (WI)

On XX/XX/XXXX, XXXX XXXX ( a loan officer at Amerisave ) suggested me to pay a rate lock fee of {$500.00}, suggesting that he was locking my rate at 3.99 % when in reality he locked me at 4.5 %, He used deceptive tactics and hid information from me. After that he sent me the details, upon reading which I realized what had happened. I contacted him next morning complaining that he had mislead me and I want a refund. He said he can do that. After several email exchanges he told me on XX/XX/XXXX that he has requested a refund for me and the refund should hit my account in few days. He didn't provide me any proof, neither I got any confirmation. I haven't received a refund yet as of XX/XX/XXXX and he has stopped taking my calls or replying emails. Reading some reviews I find that this is a standard tactic of the company and people eventually give up due to the company 's obfuscating and slippery tactics and don't get their money back.
Consumer complaint received 2017-09-25
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: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I have an HSBC credit card, I did not receive statements for several months. I learned that I was delinquent by checking my credit report. When I called HSBC to inquire why I have not been receiving statements I was told I was enrolled in paperless. I said that I was not. I was directed to log into the customer portal to check and when I did it was confirmed that I was never enrolled. I was enrolled in paper statements. XXXX on XXXX/XXXX/XXXX apologized removed fees and interest and said a letter would be sent to remove from credit report. I received a letter on XXXX/XXXX/XXXX indicating that the letter would not be sent to correct the error because I was enrolled in paperless billing. Again, I was never enrolled in paperless as proved when I logged in that day. I asked them to play the audio tapes to confirm. I called back on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and spoke to two different people named XXXX. To date, the issue has not been resolved. This was caused by a glitch in the HSBC system through no fault of my own. I paid the outstanding balance over the telephone. I have never been late in my lifetime.
Consumer complaint received 2023-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Coinbase, Inc. (FL)

I have been using Coinbase Debit Card for just under 1 year now. I recently went through all my transaction history and noticed I have 9 transaction dating back to XXXX of 2022 that are stuck in a pending state. Some of these transactions are for gas station fill ups or dining out. With these gas station transactions there is an initial hold put in place for a higher amount of money to ensure that the debit card has enough for the transaction. Shortly after this the correct amount is charged which includes crediting back the different between the hold and actual gas purchase. I understand this. Since these transactions are stuck in a pending state I am not being credited back the difference from the hold. This is also the case for dining out. I noticed I have one transaction stuck in pending and the tip has not been applied which would raise the debit a bit. The transactions I am referring to range from XXXX XXXX to XXXX XXXX. I have had too many communications with Coinbase to even count. Their support at this point useless. They give me the run around or disconnect me from phone calls/chats or ghost me on emails. They tell me this has been assigned to a specialist but i have sent repeated emails to their support email only to get a non-specific canned response. So I have resorted to reaching out to your office for some help and guidance.
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX  Opened on XX/XX/2020 and was paid off by consumer. Loan was paid off and submitted to Transunion and all other credit bureaus. Unfortunately the credit bureaus are the ones that did not update the credit reports to show, my XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX was closed and paid in full.
Consumer complaint received 2020-08-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (FL)

I contacted this company on XX/XX/XXXX at XXXX because I received a call on XX/XX/XXXX through voicemail from a women named XXXX XXXX from a company by the name of Mercantile Adjustment Bureau that it was an attempt to collect a debt. I called on XX/XX/XXXX and gave them some pin number XXXX left on my voicemail. I was told that I had a debt of XXXX and something and they were collecting on behalf of XXXX XXXX. I never received a letter in the mail verifying any information that I have a debt with company. Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent. I would like verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment.
Consumer complaint received 2023-03-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (VA)

They send me a Warrant in debt in the mail and threaten to take me to court, I have a court date already issue to me XX/XX/2023 and they went further and issue me a warrant document of debt to my house. 
Midland Credit Management
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I submitted a dispute for a Bankruptcy listed on my credit report and asked XXXX to verify the public record. XXXX  has not verified how this was verified. Lastly, I received a letter from United States Bankruptcy XXXX XXXX of Illinois confirming what I thought- they do not verify or provide any personal information. I am requesting that if XXXX  can not show how they verified this public record Remove this entry from my credit report.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I am sending you a letter regarding the error and mistake that I have found on my credit report. This mistake that you are reporting is affecting my character and reputation as a consumer. Below is account that I am referring to : XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2021-08-18
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. (NY)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-07-20
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Account sold or transferred to another company
Company: SYNCHRONY FINANCIAL (FL)

My HSN Credit Card was sold to Synchrony bank. Soon as Synchrony got my account the reduced my credit limit from {$1400.00} to {$180.00} without informing me or sending any notifications. My credit score dropped drastically because of this. My credit card utilization went through the roof and I was no longer able to make large purchases. I send them letters, emails and even called them. They were not willing to work with me.
Consumer complaint received 2020-10-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp (MD)

I took the deferment option as identified in the CARES Act. I deferred my payment for 2 months ( XXXX ). I resumed my payments in XXXX and I noticed that my FULL payment was being applied ALL towards the interest. I emailed and called LendingClub for 3 days trying to get an answer. A supervisor tried to explain to me " what they meant '' by the email that I received, however, what the say in the email is the opposite for what they are doing. Below is the section of the email that I received regarding the extended payments : Extended loan term : The term ( length ) of your loan will be extended to account for any deferred payments and interest accrual. Interest will continue to accrue daily on your outstanding principal balance based on a 360-day year, resulting in an increase to the cost of your loan over time. AS you notice, this says that my loan is being extended to account for deferred payments AND interest. So when I asked the lender WHY they are applying my entire monthly payment to interest, they continued to try and explain to me " what they meant by the email ''. Effectively, they have broken the rules and regulations identified in the CARES Act. I AM being penalized to the tune of almost {$2000.00} because they have taken that amount from me and lined their pockets. There are no managers available and only supervisors. I asked for a full financial accounting, they refused. I should not have to pay interest on the front and the back when their email says something totally different. This is putting me in MORE of a bind as opposed to the intended purpose which was to HELP. This has been a nightmare, this company I predatory, they lie and deceive their customers. 

This is and update to my original complaint. In review of my account, this company continues to apply MORE money towards the interest on the account that they should. Even after my payments were restored, they are STILL stealing money from me and this needs to be stopped. My interest payment should be going DOWN, yet for TWO months they stole my entire payment and applied it towards interest and on the THIRD month they continued to take nearly 80 % of my payment and apply it towards interest and that is NOT the intention of the deferment. HOW are you going to let them get away with this? If they are stealing from me, they are stealing from everyone else and SOMETHING has to be done about this. This is crazy that you allow this type of predatory lending practices. And on top of stealing my money up front, you are going to charge me interest AGAIN on the back end. BUYER BEWARE!! LendingClub is a predatory lender, they will steal from you in your face to line their own pockets and they could care LESS about the consumer. They should be sanctioned and shut down for taken financial advantage of people. 

For some reason, this company feels like that dont have to respond to my compliant. I want something done about this predatory organization.
Consumer complaint received 2017-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

My mortgage payment includes taxes and insurance and increased from {$3400.00} to {$4000.00} effective XX/XX/XXXX, an increase of {$630.00} a month. The increase was due to an unexplainable shortage of our escrow. However, the XXXX County Tax Assessor sent us a bill and the increase in our taxes was from {$8600.00} to {$9800.00} for that tax year, an increase of only {$98.00} a month. After requesting an explanation from Wells Fargo, we never received a response. We paid the increased mortgage payment over the next 12 months. Our mortgage increased to {$4100.00} effective XX/XX/XXXX, however these was an increase in our XXXX County taxes. Again, we asked for an explanation to no avail. We paid our XX/XX/XXXX mortgage of {$4100.00} on XX/XX/XXXX with Wells Fargo Check # XXXX. Wells Fargo cashed the check but never credited our account and thus said we were 30 days delinquent on our mortgage payments. However, we never missed a month of payments. Then, we fell behind 2 months in XXXX owing for XX/XX/XXXX and XX/XX/XXXX, however we made a payment on XX/XX/XXXX for {$8300.00} though brought us current. However, Wells sent us a statement saying that we owe {$5200.00}. We asked Wells Fargo to thoroughly review our payment history as we had proof that we made all the mortgage payments due. Wells Fargo refused to acknowledge our request. WellsFargo stopped accepting our mortgage payments in XX/XX/XXXX as they kept stating that we were delinquent. Wells Fargo never explained why they increased our escrow payment on a fixed interest rate loan and why they never credited our account for a payment that they cashed. We feel like they have no regards to our payments or mortgage contract
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-09
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC. (TX)

I have sent them a letter asking for the debt to be validated and removed per section 609 of the FCRA due to it being a result of identity theft. I never entered any agreements or accepted any loans.
Consumer complaint received 2020-08-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (FL)

phoenix financial services collection agency bought a old medical account from another collection agency which that debt was removed deleted from my report long ago the are now trying to re ageing this account and put it on my my credit report as a new account originally XXXX XXXX XXXX which I have not entered any binding contracts or signed anything with any of these companies! not my debt.
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My identity was stolen and I need a credit freeze for all credit bureaus listed : -XXXX  XXXXTransunion -XXXX  XXXX -XXXX  XXXX
Consumer complaint received 2021-04-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I call Transunion because they have a report of outstanding collection from XXXX XXXX. I dont know this company or who they are. I did call them and they wanted me to give all my sensitive information before they can see what is the account number so I told them no, they can not have my private information.After that I call Transunion so they ask me all the questions and I verified my information. I told them that this company has a derogatory balance against me. I told him that I need to know who they are and to all the information they had. The answer I got is they dont have any of that Information, no account and no address. They only have a report saying that I owed money, they are still waiting for all the information to verify that I was a customer with them. 

So how can Transunion destroy my credit with no information on the account. That energy company is no way near my county. Then the guy offer me to do a police report that my identity was stolen. It was never stolen and Transunion is just helping identity theft steal. 

This Transunion credit report agency is not confirming identity with the collection agency and they are writing bad reports on innocent people. 

I want you to investigate my case and the way Transunion operates. 

Thanks
Consumer complaint received 2021-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (KY)

On XXXX XXXX I called Wells Fargo Bank to pay off my mortgage. I was informed at that time that there were sufficient funds in my escrow account to settle the mortgage. I agreed to have the {$610.00}, the mortgage payoff deducted and the balance of {$1300.00} refunded to me within 10 working days.I did not receive it.Wells Fargo Bank sold my Mortgage to XXXX.XXXX XXXX XXXX on XXXX XXXX. MY MORTGAGE WAS ALREADY PAID. According to Wells Fargo they sent my payment and the escrow money to XXXX on that date.XXXX  contends they did not receive the payment and is holding my escrow and will not refund it to me.And will not release my loan until payment is received. And if course they have added servicing fees, late fees, etc.
Consumer complaint received 2021-08-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (CA)

In XXXX XXXX XXXX I sent a letter to CMRE Financial Services for a XXXX XXXX account that they placed on my credit and have yet to receive a response or account deletion. The account was paid in full, Per The Medical Debt Relief Act of 2021 ; Section 603 of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ) ; Fair Credit Reporting Act 1-year waiting period before medical debt will be reported on a consumers credit report and to REMOVE PAID- OFF and settled medical debts from credit reports that have been fully paid or settled.
Consumer complaint received 2020-10-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MEGASTAR FINANCIAL CORP (CA)

XXXX paid additional principal I have to call in to verify that principle was paid. 

XXXX paid additional principal, mortgage company received money and returned the payment. 

XXXX paid additional principal, company did not decrease mortgage balance. Balance remained the same. 

XXXX paid additional principal, principal balance not reduced, payment applied to a suspense account. 

I am NMLS licensed XXXX and this company fails at any form of servicing competency.
Consumer complaint received 2020-11-28
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)

XXXX XX/XX/XXXX was placed on a two month Covid-19 assistance program in which the minimum payment due was reset to {$0.00} for XXXX 2020 and XX/XX/2020 The account was also known as card member services was paid in full on XXXX XX/XX/2020 given the minute balance due This was reported as 90-120 days past due then 90 now 60 but remarks state 90-120 It was never late this account is 8 years old with zero late pays. Proof of call logs showing when it was set during XX/XX/2020 and payment have been submitted via mail, email and certified mail inclusive of social license and deed with zero correction