davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

My HOA in Virginia changed management companies, and my payments were never credited to my account, so the HOA said it would file a lien against the property. In effect, it filed a collection that became a default judgment. I hired an attorney to set this aside ; she failed to do so, even when I paid all the payments they said I owe. The HOA attorney actually filed a removal of the lien. My attorney did nothing. ( I dispute that I owed the total, but I was more concerned with my credit report so paid even when in effect I XXXX the HOA. ) To date, this " judgment '' is still on my credit report, even though it should have been removed. I 'm attaching the " removal of judgment lien. '' My question now is whether I have to hire another attorney to set aside this default judgment and have this stain removed from my credit report, or will this " removal of judgment lien '' suffice? No one is answering my queries on the matter. I even disputed this with Transunion but they did not allow uploading of info so it 'll likely go nowhere. Thank you for whatever help you can offer.
Consumer complaint received 2024-03-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (GA)

I am writing to formally dispute the inclusion of certain accounts on my credit report, which I believe to be inaccurately reported. The accounts in question belong to XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and LVNV, and despite my repeated attempts to resolve this matter with XXXX, the accounts remain on my credit report without any validation or proof of ownership. I disputed these accounts XX/XX/XXXX the closed them but will not remove from my credit report. The first account I wish to address is with XXXX XXXX XXXX. According to my credit report, there are two accounts associated with XXXX XXXX XXXX. The first account was opened on XX/XX/XXXX, with an alleged amount of {$770.00}. The second account was opened on XX/XX/XXXX, with an alleged amount of {$500.00} and XXXX XXXX XXXX XXXX with an alleged amount of XXXX. However, I have no record or recollection of opening these accounts with XXXX XXXX XXXX. Despite my requests, XXXX or XXXX has failed to provide any evidence or documentation validating the existence of these accounts in my name. Furthermore, there is an additional account attributed to LVNV on my credit report and indicating an amount of {$420.00}, allegedly opened on XX/XX/XXXX, also company XXXX XXXX XXXX XXXX for the alleged amount of XXXX. Once again, I have no knowledge of opening such an account with LVNV or XXXX XXXX XXXX  XXXX, nor have I received any correspondence or documentation regarding this matter. I have diligently sought resolution by contacting XXXX multiple times to provide proof of ownership for these accounts, yet they have failed to comply with my requests. It is deeply concerning that such accounts continue to negatively impact my credit score without proper verification. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verifiable information on my credit report. Therefore, I kindly request your assistance in investigating these disputed accounts and facilitating their removal from my credit report if they can not be validated with proper documentation. Enclosed with this letter are copies of my credit report highlighting the disputed accounts for your reference. I appreciate your prompt attention to this matter and look forward to a favorable resolution. Please feel free to contact me at XXXX or via email at XXXX should you require any further information or clarification. Thank you for your cooperation and assistance. XXXX XXXX XXXX
Consumer complaint received 2021-06-05
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. (NY)

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Consumer complaint received 2023-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/2023 there is a pending debit to my account in the amount of {$130.00} DEBIT DUE TO CLAIM XXXX XXXX. debit - {$130.00} There was no claim placed on this checking account. The problems with my old checking account were reconciled before it was closed. Someone at the bank is charging my checking account for a transaction that was not processed on this account at all. There is someone who has been manually entering their own information and " miscellaneous '' transactions to my account although I have not processed any such transaction or owe any money. I am a victim of identity theft, and also a victim of XXXX XXXX. They are then forwarding the information to police and attempting to XXXX XXXX for the transactions which are " miscellaneous '' on the side of the road, by pulling my car over, by approaching me inside my car while it is parked, etc. I have been severely XXXX by the police and by the person who is accessing my account. I have visible injuries.
Consumer complaint received 2015-10-20
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (CA)

I am a member of a RushCard company for the last 10 years and my deposit was set up to go onto my card on XXXX XXXX, 2015 it was never posted I called customer service several times with empty promises of it being on my account never happened I have my XXXX Number as well as the account number from my payroll analyst going into my account and we have also done a trace and it shows it was excepted by Rushcard they are claiming they have never received anything although they have on the same day for the last 10 years from the same company
Consumer complaint received 2015-08-20
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

I have a home equity line of credit. I used it to pay off my mortgage to reduce the interest rate. Both the line of credit and the mortgage were with Wells Fargo. Both debts would be paid in-full had Wells Fargo not arbitrarily frozen the line of credit after the financial crash. I have excellent credit and have never been late on a payment. I met all terms of the agreement. Instead of being debt free, I still owe approximately {$23000.00}. There was and is a contract. What law gives Wells Fargo the right to unilaterally change the terms?
Consumer complaint received 2015-09-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (IL)

I checked my credit report and apparently this company AFNI a debt junk buyer, purchased this debt from another collection agency called XXXX. AFNI has re-aged this collection on my credit report and has never sent any notices to me regarding this debt.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EMCC Holdings, LLC (MD)

I have noticed some unauthorized and fraudulent inquiries on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Avant Holding Company, Inc. (TX)

For Avant credit card account# XXXX
For XXXX XXXX XXXX XXXX XXXX  account# XXXX  
Per consumer law, a corporation cannot report transaction history: Amounts, late payments, non late payments, etc.
Consumer complaint received 2017-05-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I submitted all my information for a short sale on  XXXX   XXXX ,  2017. Every ti me we call in they say there is nothing new to report and it is still in the process of review. They are failing to abide by timeline guidelines for response and the initial processor will not give a point of contact on the file, so every time I get different information.
Consumer complaint received 2016-09-15
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo Bank in NC, where I bought and sold a house and relocated to XXXX, kept over {$3000.00} in an escrow account after I closed on my house. They then claimed I abandoned the money and they turned it over to the state of NC. All the while, I had several existing accounts with Wells Fargo, including a stock account but, they claim they could n't locate me? I still have a WF account, including a credit card account, with WF. 
After more than 3 years of trying to claim ownership of my funds from WF and the state of NC, I have been told I have n't provided enough evidence I " owned '' the money or " proved satisfactorily '' I am who I say I am. 
Is there anything you can do to help? This seems really unfair that they contacted me to tell me that they have my funds but not turn them over to me because they ca n't find me?
Consumer complaint received 2016-09-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NJ)

I am requesting wells fargo send my original mortage loan documents with my original signature on document to any local branch within XXXX miles of my property so I can examine the document. I am once again stating my mortgage documents were altered by wells fargo and its employees. My rate was changed. 

And recently the investigation regarding wells fargo and XXXX plus employees doing fraud on other XXXX plus wells fargo customers re affirms my claims that my documents were altered. 

I am requesting to see the original mortage note and mortage documents. 
Below is a previous case Info. Above is updated info I am requesting. 
I am a victim of Predatory Lending. Please see attached documents. Wells Fargo is refusing to provide complete closing documents. They are downplaying HUD-1 Documents were it shows I am not suppose to pay mortgage insurance. They provided me a copy of a document which I signed at closing, which only shows the following : Page XXXX of attached documents shows no signature from me. 
Page XXXX document is altered. Under where it says Estimated taxes and insurance, someone typed in Includes Mortgage Insurance. This clearly looks typed in. 
Page XXXX also shows someone typed on the bottow left, Initial Print XX/XX/2013. No other document shows this. This was typed in there during my complaint process. 

Wells Fargo provided XXXX document which I was told to sign at closing and that it was a mistake and they would fix it and not to let the closing get delayed because of this. 

I want this matter investigated properly.
Consumer complaint received 2016-03-09
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I HAVE HAD A MORTAGE WITH BANK OF AMERICA SINCE XXXX XXXX XXXX AND HAD A MODIFICATION XXXX XXXX AND HAVE BEEN PAYING IT EVER SINCE AND WOULD LIKE MY MORTAGE MAYMENT TO BE POSTED TO MY CREDIT BUREAUS EVERY MONTH SINCE MY MODIFICATION,
Consumer complaint received 2015-09-16
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have FHA mortgage for 5 % with bank of America since XX/XX/XXXX. XX/XX/XXXX I had foreclosures on small land for {$25000.00}. Three years after foreclosures I went to Bank of America to apply for refinance ; 15 years mortgage, 3.0 % interest rate at that time. They refused to refinance because my foreclosures was less then 7 years. I know now that FHA mortgage needs only 3 years after foreclosures. They intentionally lied to me so they can charge more interest rate for many years.
Consumer complaint received 2021-04-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (MN)

On XX/XX/21, I received my 1st deposit into my XXXX account from XXXX of DEED the 1st deposit was for {$470.00}, and the second for the fed unemployment {$300.00} for a total of {$770.00}. Within 10 minutes of that deposit being made Chase ( JPMorgan ) unauthorized hacked into my XXXX account, initiated a link with my XXXX account and transferred the entire deposit to themselves. I haven't had a Chase account in over 8 months. My account was closed and Chase still has over $ XXXX of my money, tied up in disputes. I saw the email I received from Chime that Chase watrying to link the bank, however when I look on my side - Chase IS NOT a linked account. I looked on my account online and saw it suddenly had a XXXX balance. I contacted XXXX immediately, explained that this was an unaurhoeized transfer and it needed to stop which they did. However, unknown to me, after 20 minutes Chase came back in and this time took {$500.00} from the account which I noticed this morning and tried to stop it but couldn't stop it, so I files a dispute against Chase to get the money back. I'm a XXXX XXXX XXXX disables woman living on XXXX and unemployment ( having to look for work to pay bills and get my medicines ). I can't afford to tose {$500.00} to a bank I no longer have an account with and they owe ME money!!! Chase needs to be help accountable for unauthorized withdrawals!!!
Consumer complaint received 2016-10-05
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

Our owner occupied home was foreclosed on in 2011. We moved out in XXXX 2011. The foreclosed amount was {$730000.00}. Wells Fargo sold it for {$920000.00} within two ( 2 ) months. There was equity of over {$180000.00}. We have been asking for return of our equity and they have refused to pay us. We need help/guidance to get money refunded. We had done substantial amount of work to improve the property. We are entitled to our money. Thank you.
Consumer complaint received 2017-02-07
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Santander Consumer USA Holdings Inc. (VA)

I want to validate the company and get paperwork in regards to how much is owed and verify that the company is valid before setting up a payment plan with a company i have never heard of and/or cant find via internet search. Every site I go to states its scam collectors. I 've been scammed out of money before and will not again.
Consumer complaint received 2016-09-30
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NY)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016, XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.
Consumer complaint received 2017-10-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc (FL)

I have sent letters to Bullcity Financial seeking that they validate the debt. They have failed to do so. This company continues to send 1 statement which does not align with the amount of debt they say I owe them. I have never heard of this company, nor have I ever did any business with them. I have requested copies of any and all letters sent to me on behalf of this company. I have not so much as received a copy of the dunning letter that they should have sent me when they began attempting to collect on the debt. I have not received copies of all statements, invoices, receipts, summaries of account nor any document that bears my original signature. How then can this company say I owe them but yet they have nothing to substantiate their allegation. How does this company list this entry as data factoring when they are a 3rd party collection company and did not assume the debt prior to charge off? This company did not prove that the statute of limitations has not expired. Where are the documents that reflect my signature? Where are the documents that provide proof of ALL charges, invoices, or slips that prove indebtness to them? This erroneous, unverifiable, inaccurate item should not be reflected on my credit reports.
Consumer complaint received 2021-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (PA)

I refinance my mortgage with Amerisave the mortgage company. 
I was provided the wrong loan number in XX/XX/2020 to make payment on my mortgage. The payment I made was for the amount of {$5200.00} that includes for two months of payment XXXX payment and XXXX payment. The money was misapplied to the wrong loan number, in XXXX XXXX, money was electronically taken from my account via bill pay, the money was applied to the loan number of XXXX, my actual loan number is XXXX. I have called numerous of times I have sent proof of payment, my bank have also sent proof of the transaction and the bill pay receipt. My mortgage company refused to fix the problem, they continue to charge me for the two months that I have already pay for, I just hope that someone could help me in this situation. I have submitted the bill pay receipt and my account transaction activity.
Consumer complaint received 2016-09-22
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Atlantic Credit & Finance, Inc. (OK)

Atlantic Credit and Finance calls my personal phone multiple times per day. They started calling my husband, now calling my job. I have asked them to no longer contact my job and family. They also leave messages on the voicemail claiming they are a debt collector trying to collect a debt from me. I have spoken to them and they have started telling me if I do n't pay, the will take legal action and that my case is being turned over to a lawyer. I have asked for proof via mail and to only contact me via email or mail. They still call my family, my job, and myself. I have explained to them the reason I quit paying the original debt is because I have become very ill and have medical bills from XXXX and such XXXX. They still say I need to pay or I will be turned over to a lawyer.
Consumer complaint received 2024-03-05
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

I have purchased a large quantity of XXXX gift cards which are serviced by Incomm, which decline when I attempt to use them. I have contacted Incomm about this issue and they did not offer any type of resolution for how I can actually use the cards, other than to " keep trying at other merchants ''. This is absolutely unacceptable to me, as I can not use these for the purchases I intended to when buying these cards, at merchants I have been able to use these cards for years. These cards at the time of purchase were advertised as able to use anywhere, however, that is certainly not the case. They have altered the terms of use of my cards after my purchase. 

I am requesting a full refund all gift cards.
Consumer complaint received 2021-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Capital One Credit Cards.. Due to the pandemic, just like everyone else. I actually tried my best to settle. I was told it would show settled for lesser amount and have the 2 derogatory remarks removed on both cards. I feel that I should have just kept my $ and not even tried. I really need my credit report in general with all 3 credit bureaus to atleast show that I tried. I have settled all debt I have to atleast try my best. It's disappointing. I should have just done a Bankruptcy but I tried to redeem my credit and feel unsuccessful. Please help!!!
Consumer complaint received 2017-05-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

1. Midland Credit Management has not  validated this debt. They sent me statements of an  XXXX  Credit Card. The address on the statement does not belong to me. Please show me the signed agreement bearing my signature that proves this debt is mine.     2. Sending of a letter and it not be returned undelivered does not protect you under FDCPA. Please provide PROOF that this letter was delivered to me.
3. You voided an existing payment arrangement without my re  quest for your own convenience so you can renegotiate the terms of the agreement. Since you have breached the agreement we had made, without my authorization to do so this is evidence of your failure to keep your part in the agreement.