davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hunt & Henriques (CA)

I responded to an alleged debt account letter dated XX/XX/XXXX I mention that I had no knowledge of the alleged debt and if I can get an original copy. They send me a copy of a renewed judgment that was filed XX/XX/XXXX that I wasnt made aware of. They claim that this alleged debt was open back on XXXX. Assuming this was mine which I have no knowledge of, does the statute of limitations expire?
Consumer complaint received 2021-07-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (PA)

The account is set up for automatic payments. The XX/XX/XXXX payment was paid on XX/XX/XXXX. This was confirmed with my bank ( provided time of XXXX XXXX  and the ACH # to the lender on XX/XX/XXXX - see email attached ). 

I was initially told via phone call in XXXX it was resolved and should show so on next statement. Despite this information provided to lender and my request to stop harassing me about a paid payment, it continued and the monthly statement continued to show unpaid with fees and late fees piling up. 
After numerous calls, I was told they needed a bank statement showing the disputed error. After providing this in XXXX, I heard nothing for nearly 3 months, but the monthly statement still showed past due. After weeks of complaining and no resolution, I was eventually assigned a specialist to deal with the complaint on XX/XX/XXXX. She requested a clearer copy of the bank statement I sent 3 months prior. I responded immediately on XX/XX/XXXX with an email attaching a complete bank statement showing all interaction and payments to the lender, including the XX/XX/XXXX processed payment that was already proven as paid with bank ACH # etc. I followed up with a personal call to her provided extention, but it was not valid. To my dismay, the XXXX statement still did not show the payment. I sent three emails on XX/XX/XXXX asking why I was still getting collection letters from XXXX. no response was received. since I've tried to call the specialist at least 10 times, no luck. she's gone awol as there is no extension. after leaving a voicemail twice in the general phone box, i received no call back and am completely done with this 7 months of harassment. See attached emails as proof of interaction with the lender and all statement above.
Consumer complaint received 2018-03-17
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (CA)

I am buying a house an needed to sell my vehicle for the ratios and closing. I overnighted the payoff check to GM Financial on Saturday XX/XX/XXXX, it was signed for by a XXXX XXXX on Monday XX/XX/XXXX at XXXX XXXX. I contacted GM Financial every day this week and they said they hadn't received it. Today they finally found it and did me a " Favor '' by posting the payoff to my account, which wont show up for at least 3 days. In the meantime I am being charged interest. This may delay the closing on my home costing me additional funds.
Consumer complaint received 2017-11-20
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I received alerts on my credit reports that XXXX has pulled my credit. I notified XXXX that i did NOT apply for credit with them. I was informed that this would be cleared up. Surprisingly a week later i received a card in the mail from Capital One which I did NOT activate. I cut the card up and mailed it to Capital One along with a letter explaining that my ID had been compromised and that Capital One needs to remove the inquiry from my reports. 

Unfortunately, I received a credit alert on my monitoring service that a NEW Account has been added to my credit reports by Capital One.
Consumer complaint received 2022-01-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

During XXXX I was in XXXX XXXX repayment plan. During that 5 year period I paid 60 months worth of school loan payments. According to the waiver for public loan service payments can be broken up and paid in lump sums. These payments should be credited to my XXXX XXXX XXXX
Consumer complaint received 2021-07-06
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. (GA)

After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance with Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error. I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission with my original letter, which I have attached to this complaint, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of constructive fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you
Consumer complaint received 2017-10-27
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. (TX)

On XX/XX/XXXXI got a copy of my credit report and notice information, such as SSN, address ( s )  and credit account listed on the report that are not mine. Shortly after review the information I contact the XXXX XXXX XXXX and they provided me guidance on how to address the issue. Therefore, I sent a letter to the Equifax indicating that my credit report has someone else 's on my credit report. I mailed the letter on XX/XX/XXXX to inform them of the inaccurate information. I have yet to receive a response regarding the letter or a copy of my credit report from Equifax.
Consumer complaint received 2021-03-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (NY)

this agencie are just hurting my files score and each month they flag me make my score go low eeach month or days. i try to fix this isue i dont know how they have access to personal files. and hurt ppl score. but they cant fix payments with companies. someone need to do something about I.C. SYSTEM, INC has flagged your account as Collections on XX/XX/XXXX,
Consumer complaint received 2017-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This is regarding a dispute on my Capital One card for {$250.00} on XX/XX/XXXX with merchant " XXXX ''. For this transaction, a washing machine was bought online from XXXX. After purchasing the item, a delivery date was scheduled. During the delivery, the item was no longer wanted. The reason was because the washing machine was found to be defective and did not turn on. The delivery company agreed to take the item back to the original location and issue a full refund for this defective/no longer wanted item. No refund was received from merchant so a dispute was filed with Capital One. On XX/XX/XXXX, the full amount {$250.00} was re-billed to my credit card. I do not understand why seeing as how I do NOT have the item. Furthermore, the item was defective upon receipt. Those factors combined, I expect a full refund for my {$250.00}, no more no less.
Consumer complaint received 2024-03-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (MN)

XXXX XXXX XXXX XXXX reported unauthorized transactions on my account from XXXX in total amount of XXXX, XXXX transaction total. I stated that all transaction coming IN and going OUT of my US BANK ACCOUNT from XXXX is fraud and I never once done any transaction with XXXX. 

On XX/XX/2024 USBANK sent me a letter stating that the merchet ( XXXX ) have already credit my account for this and Us Bank is taking back their credit that was credit into my bank Account. US BANK finding was that on XX/XX/2024, there was a few incoming deposit, not refund from the original transactions, from XXXX into my account that was transfer in. This money that was transfer in is not my and I reported to US BANK the same day I reported the unauthorized transaction that this is not my money. This is two separate transaction and it's not related to any credit from the merchet. This money that was transfer in could been someone else that have their account/money stolen. I need the original transaction to be refunded as I have never authorize XXXX to send in any money or transfer any money out of my US BANK account.
Consumer complaint received 2021-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (CA)

I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
Other ENHANCED RECOVERY CO L acct number : XXXX XXXX XXXX Other XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

MY HUSBAND AND I WERE THE VICTIMS OF IDENTITY THEFT AND FRAUD AFTER WE LOST OUR HOME TO FORECLOSURE. WE SUSPECT OUR MAIL AND SOME BILLS WERE STOLEN FROM OUR OPEN MAILBOX AFTER WE LEFT SINCE IT WAS A SHARED BANK OF MAILBOXES AND SOME FRAUDULENT ACCOUNTS LISTED OUR OLD ADDRESS. UPON RECEIVING SUSPICIOUS FOREIGN BILLS AND COLLECTION NOTICES AT OUT NEW ADDRESS WE PULLED OUR CREDIT REPORTS TO SEE WHAT WAS GOING ON. WE DISCOVERED IDENTITY THEFT AND NUMEROUS FRAUDULENT ACCOUNTS WERE OPENED IN OUR NAMES. INDEPENDENTLY WE FILED IDENTITY THEFT REPORTS WITH THE FTC, POLICE REPORTS DOCUMENTING THE ID THEFTS/FRAUDULENT ACCOUNTS, NOTIFIED ALL THE APPROPRIATE CREDITORS VIA CERTIFIED MAIL, FROZE ALL OUR CREDIT FILES AND BANK ACCOUNTS. THIS HAS BEEN VERY STRESSFUL WITH THE XXXX XXXX XXXX XXXX AS WELL. ALL OF THE CREDITORS OF THE FRAUDULENT ACCOUNTS EXCEPT CAPITAL ONE AND THEIR COLLECTION AGENCY XXXX XXXX XXXX HAS HONORED OUR IDENTITY THEFT REPORTS AND OTHER CERTIFIED DOCUMENTS. THEY CONTINUE TRYING TO COLLECT ON THIS DEBT DESPITE ALL OF OUR NOTIFICATIONS AND NOTARIZED AFFIDAVITS THAT THIS DEBT IS NOT MINE. I SIMPLY WISH TO BE LEFT ALONE SO WE CAN BEGIN TO REBUILD OUR CREDIT AND LIVE NORMALLY. ALL I REQUEST IS THIS FRAUDULENT CAPITAL ONE ACCOUNT XXXX BE DELETED FROM MY CREDIT REPORTS AND COLLECTIONS CEASED BY THEIR COLLECTION AGENCY ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX ). 2 FRAUDULENT CAPITAL ONE ACCOUNTS WERE OPENED IN MY NAME AND LISTED ON MY CREDIT REPORTS AND ID THEFTS AFFIDAVITS. ONE WAS DELETED WITH NO ISSUES YET THESE ORGANIZATIONS REFUSE TO HONOR THIS FRAUDULENT ITEM. *****IN ALL OF MY REPORTS FILED I HAVE NOT LISTED ANY INCORRECT FACTS, I HAVE NOT MISTAKENLY FILED A REPORT, AND I HAVE NOT BENEFITED FROM ANY OF THIS FRAUD. ******
Consumer complaint received 2017-11-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Suttell, Hammer & White, P.S (WA)

MY HUSBAND AND I WERE THE VICTIMS OF IDENTITY THEFT AND FRAUD AFTER WE LOST OUR HOME TO FORECLOSURE. WE SUSPECT OUR MAIL AND SOME BILLS WERE STOLEN FROM OUR OPEN MAILBOX AFTER WE LEFT SINCE IT WAS A SHARED BANK OF MAILBOXES AND SOME FRAUDULENT ACCOUNTS LISTED OUR OLD ADDRESS. UPON RECEIVING SUSPICIOUS FOREIGN BILLS AND COLLECTION NOTICES AT OUT NEW ADDRESS WE PULLED OUR CREDIT REPORTS TO SEE WHAT WAS GOING ON. WE DISCOVERED IDENTITY THEFT AND NUMEROUS FRAUDULENT ACCOUNTS WERE OPENED IN OUR NAMES. INDEPENDENTLY WE FILED IDENTITY THEFT REPORTS WITH THE FTC, POLICE REPORTS DOCUMENTING THE ID THEFTS/FRAUDULENT ACCOUNTS, NOTIFIED ALL THE APPROPRIATE CREDITORS VIA CERTIFIED MAIL, FROZE ALL OUR CREDIT FILES AND BANK ACCOUNTS. THIS HAS BEEN VERY STRESSFUL WITH THE XXXX XXXX XXXX XXXX AS WELL. ALL OF THE CREDITORS OF THE FRAUDULENT ACCOUNTS EXCEPT XXXX XXXX AND THEIR COLLECTION AGENCY SUTTELL & HAMMER HAS HONORED OUR IDENTITY THEFT REPORTS AND OTHER CERTIFIED DOCUMENTS. THEY CONTINUE TRYING TO COLLECT ON THIS DEBT DESPITE ALL OF OUR NOTIFICATIONS AND NOTARIZED AFFIDAVITS THAT THIS DEBT IS NOT MINE. I SIMPLY WISH TO BE LEFT ALONE SO WE CAN BEGIN TO REBUILD OUR CREDIT AND LIVE NORMALLY. ALL I REQUEST IS THIS FRAUDULENT XXXX XXXX ACCOUNT XXXX BE DELETED FROM MY CREDIT REPORTS AND COLLECTIONS CEASED BY THEIR COLLECTION AGENCY ( SUTELL AND HAMMER XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX ). 2 FRAUDULENT XXXX XXXX ACCOUNTS WERE OPENED IN MY NAME AND LISTED ON MY CREDIT REPORTS AND ID THEFTS AFFIDAVITS. ONE WAS DELETED WITH NO ISSUES YET THESE ORGANIZATIONS REFUSE TO HONOR THIS FRAUDULENT ITEM. *****IN ALL OF MY REPORTS FILED I HAVE NOT LISTED ANY INCORRECT FACTS, I HAVE NOT MISTAKENLY FILED A REPORT, AND I HAVE NOT BENEFITED FROM ANY OF THIS FRAUD. ******
Consumer complaint received 2022-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Prosper Marketplace, Inc. (DE)

I signed up for autopsy when I applied for the card. every month since my payment of {$30.00} has come out on the XXXX of the month and my bill closes on the XXXX this month my payment wasnt withdrawn and when my bill closed it shows that I now owe {$73.00} on XXXX first I made an extra payment last month but that should not have affected my min due or auto pay. I called today and nobody gave me a clear answer as to why autopay wasnt deducted or why my XXXX payment is now {$73.00}.
Consumer complaint received 2022-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX and XXXX, three payments were taken out of my account through XXXX to an account owned by someone named XXXX XXXX. One payment of {$150.00}, one of {$50.00}, and then one of {$50.00}. All three were unauthorized by me. XXXX does not allow me to recover any money. I called Wells Fargo about the missing money and they conducted a fraud investigations and said that it was my fault ( they denied my claim ), so they closed my account and made me a new Wells Fargo bank account. I am still missing the {$250.00} even though I know the name of the person who took the money and Wells Fargo knows their XXXX account and email. The day the money was taken I also made a police report. I no longer have access to the bank account because Wells Fargo closed it, since they said it could be at risk of hacking.
Consumer complaint received 2019-03-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (IL)

My complaint is with regard to the service that I have received from XXXX when trying to get answers about the student loans that I have consolidated with them. In early XXXX I went to their website to review my loan balance. I noticed in the secure message area that I had an unread message. It was a letter that was sent in XX/XX/XXXX informing me that they had charged me the wrong interest rate ( 4.25 % ) when I refinanced with them and that I should have qualified for a lower rate ( 3.5 % ) and that they were going to correct this issue and credit me back the extra interest I paid. However, that rate that showed on the summary page of their website for my loan ( when I viewed it in XXXX ) still showed a 4.25 % interest rate. I then looked at my account details to see if they had credited me back any of the extra interest I paid. There were a number of entries both crediting and debiting principal and interest in the months of XXXX, XXXX and XXXX that I couldn't make heads or tails of. Thus, I called their service line to get this issues resolved. I spoke with a service rep who said that he would escalate the issue, get my rate fixed, get an explanation regarding my account history and call me back.. I waited two weeks and did not receive a call back. When I logged on to my account online the rate had been corrected but I could not see in my account details history where I had been credited the extra interest that I paid. Thus, I called them again and spoke with XXXX ( employee # XXXX ). He said he's submit the issues to be researched. I asked to speak with his manager ( XXXX ) but she was unavailable. He said she would call me back the next day. This never happened. I waited another two weeks and called back again. This time I spoke with XXXX, who also could not address my concerns or explain my account history. He too promised to research the issue and call me back. I have not heard from him either. Not once have they called me back regarding this matter or given me any explanation of the transactions that appear in my account history that don't make any sense whatsoever. I have no confidence that they have credited me back the extra interest I paid due to their error.
Consumer complaint received 2016-04-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (WA)

Supposedly a parking ticket is in collection with Transworld Systems, according to a recent credit report. This dates back to 2014. I have never been contacted, verbally or in writing, by Transworld Systems and only discovered his erroneous debt through a credit report. I have repeatedly called Transworld at numerous different numbers, can not reach a human being and have never received a return phone call. It is impossible to pay this bill as I can not talk to anyone what will tell me how, as I have never received a written communication on his debt or how to pay it, and as these factors make it impossible to pay. An endless maze
Consumer complaint received 2015-11-17
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: DHI Mortgage Company (UT)

The stupid XXXX 3 day for CD disclosures to the consumer is the most ridiculous rule that has ever been created for the real estate community. Even if the CD changes the title and lender has to eat it. As a borrower my new home is ready and these changes has delayed us being able to get into the home 5 days and possibly more than that because of the XXXX XXXX holiday. 

I would think that after 3 months of searching for a home, and 30-45 days of underwriting and getting everything to the underwriter except a sample of blood, that the last thing I would want is an unnecessary delay. By that point in time I am pretty confident that I just want the keys to my new house!! 

I still do n't get an initial disclosure and then the closing disclosure that I need 3 days to review. Seriously this is an example of too much regulation.
Consumer complaint received 2022-03-31
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: Experian Information Solutions Inc. (NV)

I've filed a dispute about my credit report and the incorrect items on my credit report. Its been over 30 days since I contacted them, and have not received any investigation results back yet, so hence this complaint. Below are the accounts I have problems with, please review and help me out with this. Thanks XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX {$750.00} Balance updated XX/XX/XXXX Account number XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX {$530.00} Balance updated XX/XX/XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX. XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$310.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  {$2500.00} Balance updated XX/XX/XXXX, XXXXAccount Info Tap labels for more details Account number XXXX Collection opened XXXX XXXX, XXXX Account type Collection XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX XXXX  {$2900.00} Balance updated XX/XX/XXXX Account number XXXX Collection opened Indicates the date the collection account was opened XX/XX/XXXX Account type Debt Buyer XXXX XXXX XXXX XXXX XXXX ( Closed ) XXXX Account status Closed Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Closed ) Account number XXXX Account status Closed Date opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Bankruptcy XXXX 7-dismissed Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX XXXX
Consumer complaint received 2017-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Residential Credit Solutions, Inc. (IN)

ON XXXX/2016 I GOT LETTER FROM RCS STATING THAT THEY ARE REPORTING TO ALL BUREAUS, WHEN IN FACT ARE NOT REPORTING TO XXXX, THUS VIOLATING THE F.C.R.A. AND THE " DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT.