davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-20
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: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights.15 U. S. C 1681 section 602 A. States I have the right to privacy.15 U. S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-02-25
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc. (MD)

The car was totaled XX/XX/2016. XXXX made a payment round about XXXX. Gap insurance mad another payment in XXXX for XXXX. I had the car for about 13 months the payment was XXXX a month the loan was for 5 years. They have received XXXX for this loan. They are still saying I owe XXXX for fees and late charges that should not have occurred once the insurance company paid on the vehicle. This is excessive and overpricing. It 's also reporting to the credit bureaus that I owe XXXX but they are telling me I have to pay XXXX to pay it off.
Consumer complaint received 2015-06-08
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (TX)

Chase issued a XXXX cancellation of debt in 2014, which I included in my taxes for the year. Chase continues to report the full balance owed on my credit report. I have written back and forth with Chase even to ascertain whether some settlement could be reached, I was denied.
Consumer complaint received 2016-02-25
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I just purchased a new home and with this transition we had our internet disconnected so we never received our emails on a daily basis. Due to my move I never received a statement or notification regarding past payments. On XXXX XXXX we were reported as late on my credit. We have never been late since I opened this account in XXXX. This late payment is affecting my credit and I would like it deleted from all XXXX credit bureaus.
Consumer complaint received 2022-07-20
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)

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-08-27
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: STONEGATE MORTGAGE CORPORATION (TX)

My wife XXXX purchased a house a little less than XXXX years ago. We were approved for the loan and the appraisal was completed and we closed on the property. The house is a XXXX level property with internal stairs connecting the XXXX XXXX XXXX floors. An external staircase allowed for access to the XXXX XXXX XXXX level. The appraiser did not make any deduction in the appraisal for the external staircase. 
We refinance the house several months ago and during the appraisal process, the appraiser for the refinance did not fully recognize the sq.ft. of the XXXX floor, since you have to use an exterior staircase to access that space- essentially using a different method for appraising the property. The difference in market value is approximately {$57000.00}. I have made complaints to both appraisers and the lender- with no satisfactory actions to date. The inconsistency of the process and the seemingly arbitrary way of deciding what is allowed and what is not puts the consumer in a disadvantage especially when the consumer does not control any part of this process. I am seeking restitution of {$57000.00}.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX, and XXXX have violated consumer law code 15 USC 1681 A., I did not authorize nor give consent for late payments to be reported therefore this information violates consumer law. Furthermore, I was not notified of the reported late payments, nor did I receive any form of notification of the reported late payments, this negligence violates consumer law code 15 USC 1666 B. 
I demand that Experian, XXXX, and XXXX provide proof of my written consent to report late payments. If such documentation can not be furnished, I demand that the late payments reported be removed immediately.
Consumer complaint received 2022-07-20
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. (NY)

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

We asked for a loan modification in XX/XX/XXXX, and were denied by Shellpoint. They sent us a Comparative Market Analysis showing a value of XXXX. This is inaccurate as we are in Bankruptcy and the Court accepted an actual Real Estate Appraisal showing a value of XXXX as of XXXX, due to mold and other issues. Shellpoint also increased our payment ( we had a previous loan mod ) without informing us. Additionally, Shellpoint shows a deficit of XXXX, which theyve never explained nor provided breakdown of, though weve asked on numerous occasions. My wife and I are retired and live on a fixed income. Also, I was diagnosed with a life threatening illness this XXXX. We cant remodel our home and the reason the value is what it is ( XXXX ) is because of a major flood in XXXX, and subsequent floods that were never addressed nor repaired. The unit has not been renovated unlike many if not most of the complex we live in. Weve made payments of XXXX as we were supposed to and not told otherwise by Shellpoint. XXXX has almost XXXX complaints against Shellpoint and those are just the published ones
Consumer complaint received 2017-01-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Utah System of Higher Education (WY)

In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, my student loan servicer, UHEAA ( Utah Higher Education, Assistance Authority ) claimed that I had late payments on my student loan. I was a XXXX at this time and was in no way required to be making payments on my student loans. After finding this mistake on my credit report in XX/XX/XXXX, I contacted UHEAA to help correct this mistake. I was asked to submit documentation of my full time enrollment status ( transcripts ) to UHEAA, which I did. I also, at this time sent documentation to XXXX credit bureaus along with a dispute on this matter. Over our conversation on the phone, the representative with UHEAA was able to see in their own database that this was a mistake on their end and assured me that this would be removed from my credit report by the end of the month when they send their next set of reports to the credit agencies. Months went by and these late payments are still haunting my otherwise perfect credit score. I have contacted UHEAA numerous times to follow up and every time they have assured me that things are showing correctly on their end. I have also disputed again with TransUnion and Equifax and both reports have come back stating that UHEAA is showing up to date information regarding my account, yet the late payments are still being held against me! HELP! I have never made a late student loan payment! This mistake is dragging my score down unfairly. I do not know what else to do to get this issue resolved. Every time I contact UHEAA I speak with a different customer service agent regardless of the many times I ask to be connected with an account XXXX.
Consumer complaint received 2015-08-12
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I REQUEST MY FREE ANNUAL CREDIT REPORT FROM XXXX AND I PUT ALL MY INFORMATION AND AT THE FINAL STEP WHEN I DESIRE VIEW AND PRINT IT THE PAGE DID NOT GIVE NOTHING, I ENTER AGAIN AND THEY SAID ME THAT I ALREADY HAVE RECEIVED MY CREDIT REPORT AND NOW I SHOULD BE PAID FOR A COPY. 
PLEASE, HELP ME
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

In accordance with the fair Credit Report act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ), has Violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

16 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Credit Karma (IN)

For several years I have not been able to cash a check in my name even though i give the correct SS. I have tried for three years now XXXX to check my credit score through credit karma, XXXX  XXXX, and XXXX, and every time i fill out the information regarding me it asks about accounts being opened in my name which i have never opened. And when i put none, as in i have no recollection of opening the accounts, it says that my identity can not be verified. And i know for a fact i have never opened up anything in my name because i just got my first apartment in 2020. When i have also put forgot username or password on one of those sites it had email that was not mine, XXXX, and mine is XXXX that was linked up to one of the accounts. So i do believe there is someone who has opened up accounts in my name.
Consumer complaint received 2020-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: PORTFOLIO RECOVERY ASSOCIATES INC (UT)

My original claim XXXX requesting removal of debt {$490.00} has not been removed from all three credit bureaus. This debt was dismissed years ago even though not mine. Owning a credit card does not automatically make this a legitimate debt of mine due to identity theft years ago. I have repeatedly asked for documentation showing my signature on the specific purchase ( s ) in question. If this document cant be provided please remove this entry on all3 reports immediately
Consumer complaint received 2015-03-31
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe (AL)

Conserve has been calling my number since XXXX stating that I owed a student loan for {$3900.00}. They indicated that I could be placed in a repayment plan and after XXXX months, another provider would take over and I would be out of default status. At that time, I started paying {$150.00} per month. They still called constantly requesting financial info such as pay stubs, XXXX and XXXX form. They called once and stated that I needed to start paying {$1600.00} per month on this loan. I told them that I could not afford this. They continued to call and call. They then stated that I needed to pay {$900.00} per month which I stated that I could not afford. All the while, they were drafting {$150.00} per month. At XX/XX/XXXX, their XXXX XXXX indicated that I was never really in a repayment program, when I asked why they drafted my bank account monthly if I was not. She started lying at that time about how I needed to pay more. Then XXXX XXXX started calling me and stated that I need to submit more financial documentation and that my payment would be $ XXXX monthly which I agreed to. The XXXX payment due XX/XX/XXXX. On XX/XX/XXXX, I received my pay check and that Conserve had my check garnished. I called XXXX and she asked like she knew nothing of this and stated that she needed to speak to her manager. She came back and stated that if I made payments along with the garnishment, that after a XXXX months, they would stop the garnishment. I told her that was ridiculous because my check was garnished {$450.00}. I stated that the loan was only {$3000.00}. She stated that I now owed {$5400.00} which is ridiculous. She then stated that they would offer me a XXXX settlement of {$4200.00}. This company has lied, took money illegally and was deceitful. Conserve has unfair collection practices. I called the Dept of Ed about this and they stated that any actions taken was not by them nor order by them but it was done by Conserve only. They did n't know where the increase came from and had no knowledge of how Conserve was handling the accounts for them, They redirected me to Conserve which is a waste of time since they violate all of the Fair Consumer Act. Conserve needs to made to answer for all of their collection practices. The New York XXXX has numerous complaints regarding this company. Please help the consumers who are being harassed and deceived daily by Conserve. When I questioned XXXX XXXX why I was not notified about the garnishment by them, she stated that they mail a letter to me on XX/XX/XXXX regarding this. I asked what address was it sent to and she then gave my current address. I told her that she was lying about this because I purchased a new home in XX/XX/XXXX which is the address that she stated. I was not living at this address in XX/XX/XXXX. When I stated this she became belligerent and wanted to argue with me at which time I discontinued the call.
Consumer complaint received 2015-10-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Home Mortgage shows a status discharge through bankruptcy chapter XXXX in the amount of {$54000.00} as of XX/XX/XXXX. I believe this is my current Mortgage that I am and have been paying on. Wells Fargo was not listed in my bankruptcy. Please advise. Thank you in advance for your consideration.
Consumer complaint received 2015-05-17
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Palm Beach Credit Adjustors, Inc (FL)

Focus Financial Services agents have been multiple harrassing and threatening phone calls claiming to represent XXXX Hospital about a debt that as per my insurance company which has informed XXXX Hospital both verbally and written letter that their client ( myself ) do not owe for any excessive charges on services rendered on XXXX XXXX, 2014. All payments have been made in full.
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK (GA)

Midland mortgage is reporting my account as 90 days past due for XX/XX/2020, XX/XX/2020 and XX/XX/2020. XXXX received a copy of a letter from Midland Mortgage stating the account is in good standing however, it is still being reported ad late and XXXX will not update my credit file.
Consumer complaint received 2021-02-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: ARVEST BANK GROUP, INC. (OK)

Hello there, Im having a problem with Arvest bank that they charged me unauthorized overdraft fees for transactions that made from my account and been covered. Arvest Bank claimed that even the pending transactions that already covered by available money in my account can be overdraft charged because the last transaction I made, made my account negative. So any previous transaction can be charged overdraft fee even the money was taken from my account and my account was positive ( covered ) all the purchases just because they were pending regardless of all that. I called the bank many times and I talked with many persons like XXXX, XXXX, and XXXX who did not help me at all and did not allow me to dispute these fees or open any fraudulent case. XXXX claimed that the bank doesnt have fraudulent department, and I was shocked because what I knew most if not all the banks in U.S. are under FDIC. But I understand of them they dont want to help even after I made everything clear that its the bank mistake and doesnt make any sense to be charged for transactions that I already paid money for them and my account was in good standing ( positive ). So Im seeking help from you.
Consumer complaint received 2015-10-10
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been making payments with an external checking account through the issuer 's website or third-party bill pay service to my credit card. Unknown to me, I was not able to make payments after I opened a checking account with the issuer, which there was no sign or warning that the service has been redesigned. I ended up calling the issuer to make a phone payment, which was considered late due to time zone difference.
Consumer complaint received 2015-10-15
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (CA)

First, the only complaint I have about my bank, Wells Fargo, is that they will not pursue these criminals legally. Otherwise Wells is very good about returning the funds. 

I received a {$180.00} fraudulent charge that shows on my statement as " PURCHASE XXXX XXXX XXXX XXXX CA XXXX ''. I called the number and it is a message representing that one has reached XXXX, but it is not XXXX! I XXXX it and they have been fraudulently charging a lot of people. Fraud of this size warrants investigation. How hard is it to find an address on these people through a phone company? Show up on their doorstep, arrest them and stop this fraud. 

Please put a stop to this.
Consumer complaint received 2022-07-20
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)

After getting a copy of my report that I ordered a credit report with XXXX XXXXXXXX XXXX, 2022, I called Equifax since I saw some UNVERIFIABLE accounts on my personal profile. I discovered that there was CHARGE OFF accounts on my credit report. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud accounts on my credit report all this time on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ) I have never with these accounts listed below, so please help me remove these CHARGE OFFS, from my personal profile. A copy of my Utility Bill, drivers license, and W-9 for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (MI)

On XX/XX/XXXX Jefferson Capital systems contacted me via email trying to collect on a debt that is over the statue of limitations. Something that's at least 12 years old they said I have 30 days to dispute the debt or it will be on my credit it's for {$910.00}. I have received a total of 3 emails since XX/XX/XXXX on this same debt. They admitted that due to the age of the debt they can't sue me but they threatened to put it back on my credit report
Consumer complaint received 2020-09-10
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: Holloway Credit Solutions (AL)

THIS IS MY THIRD AND FINAL DISPUTE FOR THESE ACCOUNTS. I CONTACTED THESE COMPANIES AND THEY PROMISED TO REMOVE THESE ACCOUNTS FROM MY CREDIT. THIS IS ALSO MY THIRD TIME REACHING OUT TO THE BUREAUS ABOUT REMOVING THESE ITEMS FROM MY CREDIT PROFILE. THESE INACCURATE ITEMS ARE IN VIOLATION BECUASE THEY ARE CAUSING ME A LOT OF DISTRESS. PLEASE REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT.
Consumer complaint received 2024-02-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CO)

I had posted an item ( XXXX XXXX wedged heel ) on an online buying-selling app XXXX XXXX ) I priced them at {$30.00}, and that same day I had a buyer and we communicated the text on smartphones, she lives in XXXX, and offered to send an extra {$20.00} for XXXX.After discovering that CASHAPP would be the better transaction, I provided the email ( XXXX ) & the tag ( $ XXXX ) associated with CASHAPP. I was told a few minutes later that payment was sent, not receiving payment I checked my email about the status. There was an email stating that the transaction didn't go through do to an '' account upgrade '', for XXXX  XXXX, I did ask/want or authorize an upgrade or there was no need to do so, & that additional money was needed because of this {$50.00}, the buyer felt the need to do so ( she wanted the shoes ), now I'm to receive {$100.00}, again another email from CASHAPP tell me to get this {$100.00} I need to purchase an XXXX card and provide its information for the release of my {$100.00}, THE SCAM STARTED WHEN I DID'NT RECEIVE THE ORGINAL {$50.00}. I contacted CASHAPP explained the transaction and an email was sent to me, I was thanked and told the matter would be looked into, I have yet to hear back from CASHAPP, I have had trouble getting the Support to reply, and money transactions unauthorized, disappeared, business account disappear and they have no clue to anything unresolved matters. It is not right or fair, $ I will go as high as needed to make CASHAPP accountable, and there is power in numbers. This is a CASHAPP operation at times to many.