davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (WA)

Complaint Details On XX/XX/2022 I paid off the remaining balance of two ( 2 ) phones and my mobile service with XXXX XXXX. At that time my phones were then unlocked because I had no remaining balance with XXXX  and I owned both of the cell phones. On that same day I switched my phones and phone numbers to XXXX XXXX XXXX XXXX so I no longer had ANY service with XXXX XXXX. On XX/XX/XXXX I receive a bill from The CBE Group, INC on behalf of XXXX XXXX for {$130.00} which was for services after XX/XX/XXXX. These charges included payments for both cell phones ( which I paid off ) and my monthly service fee. I would not have been able to switch my phones or phone numbers if I had any balance owing to XXXX XXXX. And in switching my phone numbers and phones to XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX no longer was my service provider. 

I never received a bill from XXXX XXXX via mail or email. The first time I learned of this debt was from a collection agency. 

I was told by XXXX XXXX on XX/XX/2022 that I would not owe anymore money. There is no way I would be able to take my phones and transfer them to another carrier if I had a balance owing.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

While recently reviewing my credit report I noticed fraudulent and unauthorized activity.showing for a closed account for : XXXX XXXX XXXX XXXX. 
Date Opened : XX/XX/year> I did not authorize anyone employed by these companies to view my credit report or give any of my personal information to any third party. In addition, I did not give ANY Credit reporting Agency permission to furnish this information on my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is a serious breach of my privacy rights.

I demand that you, Credit reporting Agency, produce a contract between you and I, the consumer bearing my signature showing that I gave you permission to furnish info on my behalf.

In the absence of any such documentation bearing my signature. I formally request for this fraudulent account to be immediately blocked and removed from the credit file that you maintain under my Social Security number Please note that you have 4 days to remove this account as it was opened through fraudulent activity and is a result of identity theft. I received no goods or services for {$160.00} and have no knowledge or recollection of this item. I have NOT been contacted by anyone trying to settle this debt and have contacted XXXX XXXX XXXX XXXX demanding removal as well. I am NOT requesting the item to be blocked or removed in error and demand that this account be blocked from my account. Also, this request for removal is not based on material misrepresentation. 
I have contacted the company that is reporting this account as negative and they have also FAILED to validate this debt and show any proof that I owe anything or that you have the right to furnish this negative mark against myself. I am now notifying ALL parties involved in this matter this an opportunity to cure this matter before legal action will take place. 
Under 18 U.S. Code 894 XXXX XXXX XXXX XXXX and any other credit reporting agency dealing with this matter may be held criminally and civilly liable for conspiring to use extortionary means by reporting marks on my credit report that are not valid and therefore financially harming myself, the living man and beneficiary of this account.
Consumer complaint received 2022-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (TX)

I need to activate my debit card, tried to do it by the automatic phone call and was not possible because I dont have Social security number. Then I request to speak with an agent to activate the card and after 4 transer adn more than 1 hour on that the robot said the expected waiting time is more than 1 hour 15 minutes.

I dont that time to waste activating my card.
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

On XX/XX/2023 I logged into my XXXX account to check my escrow balance and was shocked to find that it showed I was XXXX  days late on my XXXX loan payment and that the XXXX loan payment remained outstanding. 
As soon as I discovered that autopay ( which had been previously set up ) had not drafted the loan payment, I immediately scheduled both payments and called in to your offices to confirm the status and reconfigure auto pay. I now understand that the late payment on my account was a technical error caused by an auto pay failure. As such, I would like to dispute the late payment so that it does not affect my credit.
Consumer complaint received 2017-08-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Resources, Inc. (NM)

This creditor Collection Resources Inc. ( whom I have  never received services from ) is unable to verify debt dated XX/XX/2013 for {$70.00} ; please remove this collection account from my credit report promptly. Very unfair and unacceptable practices by collection agencies and slow credit bureaus to follow-up.
Consumer complaint received 2017-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. My contact information is as follows :
Consumer complaint received 2020-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

On XXXX XXXX a mistake was made with my escrow account. A amount of {$1500.00} was paid to a company out of my escrow account. The company admitted the error and spoke to my mortgage company ( Shellpoint Mortgage ) advising them that they were refunding that amount which was to go back into my escrow account which they did on XXXX XXXX. When i went to pay my XXXX XXXX to ( Shellpoint Mortgage XXXX my surprise they had applied the amount as a my XX/XX/XXXX mortgage that was due. I contact my mortgage company ( Shellpoint Mortgage ) with several emails and phone calls asking them to put the funds {$1500.00} back into my escrow account and i would make my XXXX payment myself. To this day since XX/XX/2020 i have held onto my XXXX payment until they ( Shellpoint Mortgage ) put the money back in escrow. This error has shorted my escrow account tremendously and forced my monthly mortgage payments to increase by {$500.00}. It is now almost XXXX and i have the funds in my bank account ready to pay XXXX payment but have not done so until they ( Shellpoint Mortgage ) put the {$1500.00} back into my escrow account.
Consumer complaint received 2020-07-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent letters out certified over 60 days ago and have not been notified. I feel like these clowns are taking advantage of the normal hard working people. These negative items have cause life to be a lot harder for me. I would like these unknown items removed as soon as possible.
Consumer complaint received 2015-11-25
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: Ditech Financial LLC (NC)

I have a hold on my credit for a house that I have not lived in in almost five years. I only co-signed on the house for a friend that I was living with at the time. The owner of the house should have been paying the payments each month. I would like to know why after all this time I am the one with all the problems.
Consumer complaint received 2022-10-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

There was a beneficiary account open in my name and social security number back in XXXX. I have not received a dime from this account. The payment is directly deposited into my mother 's account- the legal owner of her private account. As the beneficiary I am the legal owner of that beneficiary account. Wells Fargo knows of the rights and responsibilities when it comes to these type of accounts. I walked into the bank mid XXXX and spoke to an account manager. I explained the situation and the manager denied me of any information regarding the account. I was told since I was not the owner of that private Wells Fargo account they would not be able to disclose any information. The beneficiary becomes legal owner of the account automatically when the benefactor does. A beneficiary does not necessarily need to be closely related. The beneficiary may be a survivor that the benefactor chooses for whatever reason. There is no reason why the beneficiary should not be informed of this account. In XXXX I was attending community college XXXX XXXX XXXX XXXX I graduated in XXXX with a well earned XXXX gpa and transferred to XXXX XXXX that same year in the Fall of XXXX. XXXX XXXX is almost impossible to get into. There is no reason why this account should be kept from me. Slander and defamation -calling someone irresponsible- are not legally acceptable reasons to deny someone what is already theirs. I am requesting for the file related to the beneficiary account to be sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. Please be assured that legal services will be sought after through Inspector General. I would like a full reimbursement for the back pay as one lump sum.
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE DISPUTED ACCOUNTS ATTACHED HAS BEEN HARMING MY CREDIT FILE AND CAUSING SERIOUS DAMAGE TO THE THREE REPORTING BUREAUS. I HAVE ATTACHED A REPORTING WITH THE DEROGATORIES THAT NEEDS TO BE REMOVED OFF MY CREDIT FILE. IT HAS BEEN HARD TO ACQUIRE NEW CREDIT WITH SO MANY INACCURATE REPORTINGS ON MY CREDIT FILE. PLEASE INVESTIGATE AND HAVE THOSE ACCOUNTS REMOVED OFFMY CREDIT FILE.
Consumer complaint received 2015-07-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: PENTAGON FEDERAL CREDIT UNION (VA)

I am writing this to you to file a formal complaint about one of Pentagon Federal Credit Union 's Loan Officers, XXXX XXXX, XXXX XXXX XXXX. I filed a previous complaint, XXXX in which none of my issues were addressed because it was thought that I am a third party. I am in the process of selling my house. The prospective buyer was using XXXX XXXX to purchase my property. XXXX XXXX improperly issued a loan pre-qualification for loan # XXXX on XXXX/XXXX/15 with out asking the proper questions on the XXXX. He allowed this process to go for over two weeks before turning down the borrower. XXXX XXXX could have easily prevented this entire disaster by asking what number appeared on line XXXX and line XXXX of her XXXX tax return. This should have taken no more than 5 minutes to clarify the borrower 's income situation. Instead of XXXX XXXX acting in a professional manner, he allowed this loan to proceed for over two weeks. Due to XXXX XXXX 's incorrect pre-qualification, the loan that we used to accept the contract was un-able to be approved. This in turn caused me to not be able to settle on my new house. The delays of relisting my condo, losing my 60 day lock and and the cost adjustment I had to make on my purchase will cost me over {$9000.00}. By accepting Pen Fed 's letter and contract offer we turned away other potential buyers and now have to start the process all over. As a member of Pen Fed I find it very troubling that Pen Fed allows Mortgage Loan Officers to act with such disregard for the general public. His action are very troubling, as is Pen Fed 's policy to allow Mortgage Loan Officers to issue pre-qualification letters when they can not follow them up with approved loans. His mistakes have ruined my home purchase process, costs me thousands of dollars and destroyed my belief in our lending laws. I look forward to your response in this matter. I would like Pen Fed to answer the following questions : What is required from a borrower to issue a pre-qualification letter? 
Will you provide your guidelines for issuing a pre-qualification letter, a pre-approval letter and a commitment letter? 
Do you ask what numbers appear on line XXXX and line XXXX of the borrower 's XXXX during the application process? 
Did Pen Fed review the phone call to determine if the Mortgage Loan Officer asked the proper questions prior to issuing a pre-qualification letter? 
Did the Mortgage Loan Officer 's documentation in the loan file match what was on the recorded phone call? 
When Pen Fed improperly issues pre-qualification letters, are they responsible for the damage they cause as a result of those letters? 
Is it Pen Fed 's policy to turn over loan applications with false statements to the proper authorities to determine if a crime has been committed? 
If so, was that done in this case?
Consumer complaint received 2023-01-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

On XX/XX/22 I recovered my vehicle from XXXXXXXX XXXX XXXX Paid ( {$2800.00} ) to get out the lot. Even after the fees I paid {$370.00} was charged for an uncut key, XXXX $ for mileage fees when there is a XXXX in XXXX, was added to my loan when I asked them to add it to my unpaid car payment for that month
Consumer complaint received 2023-01-27
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: EQUIFAX, INC. (NC)

Hi, I am a natural, living human. Equifax is governed by 15 USC 1681. I have rights under 15 USC 1681 to protect and receive. Equifax has violated my rights. I respectfully demand the account listed below be removed because I have the right to privacy, and I did not give Equifax written permission to furnish these accounts, nor did I provide Equifax in writing that they could share my credit report, or provide my credit report to XXXX XXXX XXXX ( Account Number # # # # # # XXXX ). A company I have never heard of, nor have completed any business dealings with.
Consumer complaint received 2022-10-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX I and another party were victims of a scam. I gave back the funds threw XXXX and they were not sent to that person. Then on XXXX the XXXX an online reversal was done on my account which put it in the negative. I have called the bank and visited the bank where a banker seen that I was a victim of a scam and that my money should be put back into my account. I called the bank on XX/XX/XXXX to find out what was going on in which they told me that they have reached out to XXXX to give me back my money in which has not happened and then I talked to the online banking in which they told me that there is nothing they can do but I need to talk to the person who I sent the money back to.
Consumer complaint received 2017-03-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (FL)

This is a continuation of the problem with SLS, unable to point to any facts to claim that I am a month behind in my payments. I have provided bank transaction codes to prove my monthly payments were all made, including payments made to cover the difference in payments that were short due to payment amount changes. 
In their most recent letter to me, they claimed I did not pay the XX/XX/2016 payment. 
Online, tonight, I received a new message from SLS and amazingly, it states that they NOW claim I did not make the XX/XX/2016 payment. I have wasted many hours providing proof of payment and they keep changing their story. Once again, here is the proof that I certainly paid the XX/XX/2016 payment. It was short ( because I did not know that the amount had changed ) but after speaking with a representative at SLS I sent another check on XX/XX/XXXX to cover the difference. I attached records to illustrate. 

What do I have to do to get SLS to update my account to reflect my payments for which I HAVE PROOF of payment?
Consumer complaint received 2017-08-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (MD)

MCM XXXX XXXX trying to collect wrong amount from me and my family. 
I owe the credit card company in XXXX was about about {$760.00} dollars. The original credit card bank keep add wrongfull charg, interst and an neccery fee for years which was wrong. That 's why I did stop payment. 
In XXXX midland file a circuit court in XXXX XXXX MD and judgment which I did not know.

Now they are claimed more than {$8000.00} dollars and they forze my family bank account and already took some money after seven years. 
I am XXXX XXXX and I have XXXX daughter and my wife is XXXX. In this busy time my bank froze and took my family money. 
MIDLAND should stop this an acceptable behavior and save my family from this danger.
Consumer complaint received 2016-09-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (IN)

We had flood insurance placed on my property in 2013. Unfortunately this coincided with a job loss that was the main source of income, so we had to save money in order to have a new survey. That was done and submitted ... and then we needed an elevation certificate. That was done and submitted. Then we were told that we had to submit paperwork to XXXX for a XXXX. That was done. With the lowering of our income, this took some time. We were assured that the premiums would be returned in full once we had the XXXX. We never missed a payment, even though the " escrow shortage '' grew and grew, with the added monthly flood insurance premium, the shortage that was created by the initial premium, and the " cushion '' ( XXXX of the total, or there about ). Finally, all the paperwork has been submitted, we are no longer required to have flood insurance ... and we ca n't get our money refunded. The company ( according to their automated phone system and our account profile on their website ) made a " payment '' on our loan in the amount of the first year 's premium. Except not really. I was told it was n't a " payment payment ''. I was told this after 20 minutes of listening to " XXXX '' sigh and click and mutter while he tried to figure out what happened..and then was completely rude. My monthly escrow still reflects the flood insurance. My payment is still more than {$100.00} over what it should be, but that " should be corrected in XXXX ''. I understand that many other customers went through worse scenerios, even into foreclosure ... but this company is making so much money with these smaller situations : excess cushions, " shortages '' that they ca n't even explain, delays in escrow adjustments. All that money they collect just disappears. They could n't even explain their own escrow analysis. I was a loan closer in the XXXX 's, before everything went crazy, and we were required to document every penny in and out of escrow. The regulations have to be stricter now, do n't they? How can this company still be allowed to buy loans? Because I was not a willing customer Their client base is given to them, without our ability to vet them.
Consumer complaint received 2023-01-27
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. (CA)

I have Fraudulent Accounts on my credit reports for XXXX, Equifax, & XXXX I have disputed these accounts multiple times. 
Fraudulent Account : XXXXXXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$11000.00} Fraudulent Account : XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$12000.00} Fraudulent Account : XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$29000.00} Fraudulent Account : XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$15000.00}
Consumer complaint received 2020-07-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Accounts, Inc. (TN)

In XXXX I was a client of XXXX XXXX @ XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Ph. XXXX XXXX XXXX. I had Insurance & went there for XXXX  & XXXX XXXX. WORST XXXX ever, never adjusted -just used a small pogo stick on XXXX  & XXXX  ... awful.. aFTER FIRST VISIT, HE SAID HE WANTED TAKE XXXX.i ASKED IF MY INSURANCE COVERED IT-HE SAID YES ONE SET BUT HE WANTED TSKE 2. iF MY INSURANCE WOULD NOT COVER-HE WOULD NOT CHARGE ME. he never EVEN SHOWED ME THE XXXX. aFTER FIRST ADJUSTMENT HE SENT ME DOWN TO AA ROOM FOR SOME EXCERCISE training. After I asked if my insurance covered this, because if it didn't-I didn't want it & I dont like excercise classes anyway-I work hard. I was asked to sign paperwork about insurance & patient responsability ... I did & WROTE ON THE PAPER : : If my insurance dont cover it I DONT WANT IT. I only went ther 6 or 7 times, found a much better XXXX  & stayed with him a few years until I moved to XXXX   in XXXX. Never heard from the smuck until XX/XX/XXXX when I seen on My CREDIT FILE. contacted office once but got no where. XXXX XXXX was a drunk & XXXX XXXX. I dont owe him anything.