davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Specialized Loan Servicing Holdings LLC (TX)

I have a surplus in my escrow account in the amount of {$10000.00}. I was informed by Specialized Loan Servicing on XX/XX/year> that my escrow payment would be reduced to {$320.00} from {$1000.00}. That has yet to be done. My mortgage payment was to be reduced from {$4000.00} to {$3200.00}. That has yet to be done. I was to receive an escrow refund of {$10000.00}. That check was never sent. My escrow balance still shows the overage of {$10000.00}. I have called Specialized Loan Servicing on 4 occasions to escalate and it still has not been done. They now tell me that the refund check was cashed though my escrow account has not lowered. I never received a letter nor check. Nor have I cashed any check from my escrow. I am now being asked to file a police report and claim fraud. They cant explain why my payments have not been lowered nor can I get an explanation as to why I still have a {$10000.00} overage in my escrow account if the check had been sent and cashed. There automated system show no escrow refund was ever processed. I believe there is an issue with there process and systems resulting in a failure to lower my escrow payment, which would result in a lower monthly payment. There is an error in the system as the escrow balance has stayed the same but they are claiming a refund check was sent and cashed. They have not provided me a copy of the canceled check and are now asking that I send it all in writing
Consumer complaint received 2024-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (NY)

A few years ago, my car was robbed ( XXXX XXXX between XXXX and XXXX XXXX, XXXX  ). I reported it to the XXXX XXXXXXXX XXXX XXXX. My XXXX and XXXX were both stolen, along with an unused XXXX XXXX XXXX XXXX XXXX XXXX card. Spring Oaks Capital has called repeatedly. I have shared this information each time and they say they will investigate. They continue to call incessantly. Yesterday ( XX/XX/24 ), they implied that a lawsuit was in process. After pushing the issue, they admitted no legal action has been taken. It was simply a tactic to intimidate. They are claiming a debt of {$770.00} ns continue to report to the credit bureau.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX  XXXX XXXX - ; XXXX  XXXX  XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX  XXXX Balance {$1500.00} ; XXXX XXXX XXXX XXXX Balance {$630.00} ; XXXX XXXX XXXX XXXXXXXX Balance {$690.00} ; XXXX XXXX XXXX Balance {$3600.00} ; XXXX  XXXX Balance {$4500.00} ; XXXX XXXX XXXX XXXX Balance {$830.00} ; XXXX XXXX XXXX Balance {$2200.00} ; XXXX XXXX XXXX XXXX Balance {$1100.00} ; XXXX XXXX XXXX XXXX Balance {$950.00} ; XXXX XXXX ; XXXX XXXX XXXX  ; XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/2021 ; XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XX/XX/XXXX; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XX/XX/XXXX; XXXX  XXXX Inquiry : XXXX XXXX, XX/XX/XXXX; XXXX XXXX XXXX Inquiry : XXXX XXXX, XX/XX/XXXX; XXXX XXXX Inquiry : XXXX XXXX XXXX XX/XX/XXXX; XXXX XXXX XXXX Inquiry : XXXX XXXX, XX/XX/XXXX; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ARVEST BANK GROUP, INC. (OK)

Between the dates of XX/XX/2024 to XX/XX/2024 XXXX unauthorized XXXX ACH transactions totaling {$12000.00} from my Arvest business bank account. When I logged into my online account on XX/XX/2024, these transactions were not showing, On XX/XX/2024, I looked back into to my online account and seen the previously mentions ACH transactions had been deducted out of my account. I contacted Arvest Bank on XX/XX/2024 to Inform them of the unauthorized transactions and was told to go into my local Arvest branch the next day and close my account. On XX/XX/2024 | went into the XXXX, XXXX Arvest Branch and closed my account that had the unauthorized transactions and submitted a claim to get my money refunded. Since XX/XX/2024, Arvest Bank continued to tell me that they were reviewing the claim up until XX/XX/2024 when they Informed me that they was denying my claim to refund my money stating that I only had 24hr to submit a claim based on XXXX  regulations. Additionally, on XX/XX/2024 | had contacted Arvest Bank and canceled my debit cards associated with this account due to my XXXX business ad account being compromised and informing then of potential fraudulent activity.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Online service for managing credit freeze on the Transunion website never works and always gives the message 'service unavailable ' and forces you to call their phone number to freeze the credit file which is a long and time-consuming process. XXXX in contrast makes it easy to manage the freeze online. It seems like Transunion is purposely discouraging the use of the credit file freeze option for consumers.
Consumer complaint received 2024-03-06
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (OH)

This is a complaint filed against Credit Acceptance Corporation due to them send my account after vehicle was repossessed and sold and sueing/ garnishment for deficiency balance, they forwarded the account over to XXXX XXXX XXXX XXXX XXXX in XXXX Ohio XXXX never had I received any prior notify, the balance once initially reported in my credit report after vehicle was repossessed and sold back in XXXX, never did I receive any notice regarding account being transferred to some place else and that a judgement against me would be filed in court, I received very late notice from the court that was sent to an old previous address that I haven't resided at in over 7 years, when I received the court docs I followed the info on how to file an motion or disagreeance to the Judge which was in XXXX and I never received no correspondence whether email, mail, or by phone of the order was granted to garnish my wages, I was blind sided today when I checked my paystub and it said garnishment for over {$1900.00} ... ... ... now I went over these original supposedly loan docs that are attach to the paperwork I previously received and some information on the loan is incorrect, I didn't put {$3300.00} as a down payment not one bit, as a matter of fact when I purchased the vehicle the sales/ finance rep that assisted me to complete the sale even advised me to not inform Credit Acceptance when they do the welcome call that I DIDN'T put {$3300.00} and that I was still making a way lesser down payment in installments to the dealership and was still able to pull off with the vehicle, it just makes no sense to me, that Credit Acceptance basically gets all their money back and collateral while consumers are left in this mess to deal with, also I did research and there is a lawsuit with the CFPB and NY Attorney Generals office concerning similar matter and also in other states,
Consumer complaint received 2024-03-05
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (MS)

In XXXX of 2023 I noticed XXXX accounts in collections from Transworld Systems Inc on my XXXX  and XXXX credit report. I called the company to have a debt validation letter sent to me but did not receive anything. I sent a debt validation letter via certified mail XX/XX/2023 and it was received by the company on XXXX XXXX. I did not receive a responding correspondence from the company. I disputed the account with XXXX  and XXXX and they were both removed from the XXXX  report and only one of the accounts were removed from my XXXX  report. I called the Transworld Systems Inc. again to dispute the account with them and asked for a debt validation letter via email and still have yet to receive any correspondence from the company.
Consumer complaint received 2023-02-23
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)

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$4800.00} ; XXXX XX/XX/2021 XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$2400.00}
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (SC)

I opened a savings account with Citibank on XX/XX/2023. I had deposited money into said account during that time. They said they would be sending me an ATM/Debit card associated with this account. I never requested a card to be sent but figured it was normal procedure. 

On XX/XX/2023 I received an email from Citibank saying ATM/Debit card was shipped. 

On XXXX XXXX Sunday XX/XX/2023 I received an email saying my ATM/Debit card had been successfully unlocked which I had not done because I never had the card in my possession. I went to check my mail and the card was not there. I immediately logged on to my Citibank account and noticed that {$1000.00} was withdrawn from a XXXX XXXX  near my place of residence at XXXXXXXX XXXX Sunday XX/XX/2023. I knew that my card had been stolen. 

After seeing this, I went into my Citibank account and locked my card as I called Citibank to file a dispute at XXXX on Sunday, XX/XX/2023. 

After filing a dispute with Citibank, they told me they would be sending a new ATM/Debit card which would be new and sent via XXXX instead of USPS. I received the new card on XX/XX/2023 and activated the card which I now have over the phone with them. 

After waiting for my dispute to be solved, I received a results letter from them XX/XX/XXXX saying that I would not be getting money back. They said the activity was consistent with my account ( I hadn't done anything but deposit money into the new account ). 

I filed a police report for the mail fraud as well as a report for the ATM theft because it was two different county police departments. After waiting for the police to do an investigation and get photos from the XXXX XXXX, I received photos of a suspect who we now know ended up taking the money out of the ATM. I have police reports and backup to prove that this was not myself. 

I have tried countless times with Citibank to explain but they continue to " investigate '' and deny my dispute claims multiple times even with the proof from my filed police reports.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXXalance Owed : {$730.00} ; XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (CA)

It appears that the Company JEFFERSON CAPITAL SYSTEMS , LLC have obtained this account as a result of material misrepresentation, fraud & Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ) and RCW 9.35.020. The Original Creditor did not legally obtain consent to sale, transfer or disclose any account information with your company or any other non-affiliated third party as regulated by 15 USC 6802 of the GLBA. Failure to provide FULL disclosure of material information is an unfair method of competition and unfair & deceptive acts of FRAUD. When a person is defrauded into entering a contract, the contract is no longer enforceable, and the defrauded party may void the contract upon learning of the fraud. You are now hereby notified of the following : Upon discovering FRAUD associated with the contract between the consumer and the original creditor ; the contract is no longer enforceable and is now VOID on its face. As a result, ANY and ALL consent to possess, use and share private information obtained by, through or from that contracted original creditor is now REVOKED, TERMINATED, CANCELED and RESCINDED pursuant to RCW 19.86.020 & WAC 284-04-215 ( 6 ).
Consumer complaint received 2024-05-08
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Property Receivables, Corp (TX)

Someone from accounts receivables reached out to me on XX/XX/XXXX. I told them I would be disputing the debt. I emailed the email from the mailed letter. Some again reached out in early XXXX about the same debt and stated I would need to send proof I owed. That's not my job, I called the said apartment complex for more information. They still have not provided anything
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: VEROS CREDIT, LLC. (CA)

Went to purchase vehicle at XXXX XXXX XXXX XX/XX/XXXX and loan denied without cosigner. Veros credit refuses to clear off credit report and XXXX XXXX will not return the car, which was a lemon, and wrecked on XX/XX/XXXX. Supposed to be repaired. Veros wont do anything although they made me file fraud report
Consumer complaint received 2024-03-05
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: FC HoldCo LLC (FL)

I have noticed many issues with Flagship Credit Acceptance. I may have been violated by false credit reporting, non reporting, taking payments after they reported me charged off to a credit bureau. Delayed repossession, obtaining an address that was not changed with the post office. Non written notifications ever. No payment book. Limiter access to their online system. No response to where my payments went. My car was repossessed XXXX in XXXX. I only was here a month and still at my residence in XXXX FL no changes. No mail no nothing. They never answered my emails when asking for assistance or refinancing. I have had medical issues and trauma during this term.
Consumer complaint received 2022-11-14
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY (SC)

I fell behind on payment of my American Express XXXX XXXX. Before they ever spoke to me even XXXX, they called my XXXX and spoke with my XXXX. They gave her exact details telling her that I was XXXX XXXX past due on my bill with total amount late and owed. Telling her complete details of my credit card account! 
This call was placed from American Express XXXX XXXXXXXX XXXX at their office location. 
My XXXX are in their XXXX '' s. This has upset them terribly! I am extremely embarrassed and upset that a bank would use tactics of this nature and also being illegal for them to do so is surprising. 
Everything I'm stating is XXXX XXXX true and accurate and could have my XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (AZ)

This Company MIDLAND CREDIT MANAGEMENT Is Not Licensed & Bonded In The State Of Arizona To Collect Any Alleged Debt From Me This Is Against The Law. This Account Needs To Be Removed From My Credit Report Or I Will Have No Choice But To Pursue Further Action On This Violation. I've Contacted The Debt Collector An Asked For Proof Of The Alleged Debt Specifically The Alleged Original Application Bearing My Liquid Signature & They Have Not Been Able To Provide Such Proof To Me Therefore You Are Reporting Misleading & False Accounts. Under 15 U.S. Code 1692d- Harassment And Abuse I Have Been Harassed And I Now Have Trauma & This Account is In Violation. Under 15 U.S.C 1681i ( 7 ) Method Of Verification This Account Is In Violation It Was Reported Without Valid Evidence. 1.Pursuant to 15 U.S. Code 1692c ( c ) I a consumer in fact am hereby notifying you MIDLAND CREDIT MANAGEMENT that I refuse to pay the alleged debt you are claiming I owe, and I DEMAND you cease & desist all further communication in compliance with this law ; 2. Take further notice that Pursuant to 15 U.S. Code 1692c ( c ) ( 2 ) I the consumer and creditor in fact am invoking the specified remedies available in this subchapter if you attempt to communicate, collect, and report to the bureaus false and misleading information ;
Consumer complaint received 2020-05-22
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: EQUIFAX, INC. (TN)

i have ask all three credit companys to remove these accounts off my profile as it is not a clear picture of who i am i have never lived in the state of MS and i see many of these accounts listed in that state they have not removed them yet after two attempts of reaching out in the form of letters.
Consumer complaint received 2020-05-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (TN)

I had a loan modification at XXXX per month. 
Then the interest rate adjusted at the new payment is XXXX per month. 
I applied for loan mod and denial when all paperwork was complete. 
Were in the pandemic and Im being foreclosed on.
Consumer complaint received 2024-03-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (TX)

I made a trasfer from one of my paypal account under ID XXXX to a closed XXXX  account for an amount of {$5.00} USD which should have never gone through as the account was closed many years ago. I was expecting the amount to reverse back to my Paypal account so that I could transfer then to the right account. Transaction was done on XX/XX/2024 and Paypal support says that payment has already been credited to XXXX account. I went to XXXX XXXX  yesterday and they could not find the account ending XXXX as I might have closed that account over 10 yrs ago. Just confused as to how I collect that money. It is a small amount, but I am not getting right answer.
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

I noticed these fraudulent inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and Experian and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Hard Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-05-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-05-22
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: Experian Information Solutions Inc. (TN)

SOME HOW THESE ACCOUNTS WAS OPEN IN MY NAME WHEN IT WAS TO BE OPEN IN MY SON NAME WE SHARE THE SAME NAME HE IS A XXXX AND I AM A XXXX  I WISH TO HAVE THESE ACCOUNT REMOVE ASAP BECAUSE IT IS NOT ME.