davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EMCC Holdings, LLC (NC)

I have never given anyone my permission to open an account with this company. This account is unauthorized and therefore fraudulent. I don't even know who XXXX is. I have never opened an account with them and it was opened without my consent. The account also can not be verified. I have requested verification more than once and received nothing. I have been defrauded and taken advantage of. This account needs to be closed immediately and removed from my name.
Consumer complaint received 2021-06-10
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: EQUIFAX, INC. (IL)

I received my credit report from you. It included the following incorrect information : 1. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX, IL XXXX please delete it. 

XXXX. XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 
This incorrect and negative information is damaging my credit. Please remove this incorrect information at once and send me an updated copy of my credit history report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Equifax is only one Bureau who keep refusing remove fraud account from my credit history.
Consumer complaint received 2021-06-10
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: Experian Information Solutions Inc. (NY)

Since XX/XX/2021, I sent three letters to XXXX XXXX  demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) for the account XXXX reported in my credit, they fail to positively verify the account and it has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed. The company sent me an agreement without any signature, my signature is not on it. 
I demand the account be verified or removed immediately XXXX
Consumer complaint received 2021-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I have been lock from banking activities for three days now. On XX/XX/XXXX, I attempted to access my bank information through the USAA app on my XXXX, my phone, and online via the web. All attempts indicated that my access was restricted due to security reasons. I called USAA at XXXX XXXX and after I entered my member number, the recording stated it did not recognize my ID number, said their offices were closed, and immediately disconnected the call. Their call center is never closed on a regular weekday at XXXX XXXX I made several attempts to call and it continued to hang up on me. After calling once more, I didn't enter my member number it did not hang up on me or state they were closed. After waiting 30 minutes, I was transferred to someone who said their Security Dept. was closed for the day, transferred me to someone else and was on hold again for 30 minutes, when that person came on the line they said they were going to transfer me to someone else. I refused to be transferred asked why my access was locked and was not given an answer. I had payroll deposits and checks deposited that indicated the funds were available. I went to the ATM and both attempts to withdraw funds indicated I had insufficient funds. My withdraw requests were below the available cash balances within the daily withdrawal limits. I just received a notice from my cell phone provider that their attempt to collect payment for my bill was declined. I have notifications set for USAA to contact me via e-mail regarding account fraud or security matters and nothing has been sent to me explaining why I can not access my funds and why payments are being rejected.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ProCollect, Inc. (TX)

Procollect XXXX XXXX @ XXXX has not responded to my request to clarify what the XXXX is for! Ive been trying to resolve this issue for over a year and no response! I am now being told to contact XXXX XXXX at procollect through email which I have and again no response!! XXXX tired of this matter Im tired of the harassment from them to collect I followed their process and still no response! I want this removed from my credit reports all of them or they need to contact me with a resolution!!! They need to stop harsssing me Im a XXXX XXXXXXXX XXXX with XXXX XXXX XXXX so either help me investigate procollect or remove this debt from my credit reports!!! Also these people are very rude and disrespectful every lady one of the reps!!!
Consumer complaint received 2021-07-16
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

We are 2 small businesses that own the property in which we conduct business. We have never missed or been late on our payments in the 10 years we have banked with our lender, Bank of America. 

Our business mortgage was to mature end of XXXX of 2020. When the pandemic hit it became impossible to refinance as Retail and hospitality, the two businesses that's we are were hit and hit hard. The state mandated that we stay closed and business suffered tremendously. Banks were not interested in us. Still, we made our lender our priority and never missed a payment.

The bank wished to drop us as we have not been prompt with submitting the financial documents required in our covenant. They claimed that this was our default. They gave us an extension but charged us 1 %, or 12,000. We paid it. Still they claimed default as we didn't file our financial package and still couldn't get another bank to take over the loan. Why would they, due to COVID-19 and NY State '' s restrictions we were practically closed. Even when we're able to open, people didnt come out and our store was struggling. Still, we kept paying the lender and never missed a payment. And while we were trying to get our business back on track the battle was always uphill Still, the bank said that we must refinance elsewhere or we would be assessed the default rate of 6 % over the existing 5.5 % rate plus a 2 % fine over the balance. Or XXXX dollars. This would be a crushing blow to a business that has survived the economic environment from close to 50 years as well as a new fledgling coffee shop. 

Our payments are all and have always been current but now the bank wishes to institute the default rate and take another XXXX XXXX dollars. Our businesses can not afford this. 

Covid has put a strain on all businesses but mostly on retail and food, both of our businesses housed in this building. We are trying to refinance but it's been difficult. The state mandated that we stayed close to customers and we suffered as a result. Our payments are all still current and never were not. 

Please help.
Consumer complaint received 2021-07-16
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: HUNTINGTON NATIONAL BANK, THE (IN)

I just received a phone call at XXXX today, XX/XX/XXXX, from Huntington 's collection department for a debt that doesn't exist. 

I recorded that phone call as I have asked, in writing, not to be contacted by their collections department multiple times. 

This mortgage has been paid ahead since they received it and their system deficiencies continue to cause the false flag of default. They have been informed and are more than aware. 

This is harassment. 

While they have continued to falsely mark my valid new complaints as duplicates in an effort to ignore me, I will continue to file them for my legal record keeping purposes. 

Every single communication and violation will be reported through this channel.
Consumer complaint received 2021-06-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: JPMORGAN CHASE & CO. (CA)

JP Morgan Chase continues to harass me and calls before hours. I have picked up the phone numerous times to ask them to please stop calling. Just this morning they called at XXXX PST, just as they did on XX/XX/XXXX, at exactly the same time. This is illegal and a violation of law.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.
Consumer complaint received 2021-07-16
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: AMERICAN HONDA FINANCE CORP (CA)

I leased my XXXX XXXX XXXX, XXXX : XXXX through XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX. 
I have consistently made my payments each month since the lease began in XX/XX/XXXX. I received my end of lease instructions and made the decision to purchase my XXXX XXXX. I went in to the same XXXX dealership that I used to start the lease on XXXX XX/XX/XXXX. I logged into Honda Financial Services to get the payoff amount. I received loan approval through my bank, XXXX XXXX XXXX Bank. The bank released the funds as I signed all documents at XXXX XXXX XXXX XXXX XXXX and walked away owning the XXXX XXXX XXXX, XXXX : XXXX. 

On XXXX XX/XX/XXXX, I was notified via a credit report alert that I missed a payment over 30 days from Honda Financial Services ( Account Number : XXXX ). I called Honda Financial Services who said they had not received the payment. I called XXXX XXXX XXXX and they said the check they mailed off had been returned multiple times. I called Honda Financial Services multiple times to keep them updated of my conversations with XXXX XXXX XXXX. At the same time I already was making my payments on my auto load through XXXX. 

I completed my end of the transaction, making payment on XXXX XX/XX/XXXX for the payoff amount as instructed. I understand that XXXX XXXX XXXX XXXX XXXX and Honda Financial Services may have had some miscommunications but I asked that the missed payment be deleted from my credit report and that it reflect that I made my last payment on XXXX XX/XX/XXXX when my bank released the funds to XXXX. I further request that any late payment fees and penalties be removed from my account from after XXXX XX/XX/XXXX. 

I sent a letter to both XXXX  and Honda Financial Services. They both requested I get a letter from the dealership which I did. The Dealership letter and the sales contract both saying i met my financial liability should have been enough to correct my report but as of today my report is still not correct. It is reported that I didn't make a payment in XXXX, was 30 days late for XXXX and not closed until XXXX. I sent them both a letter again showing my regular payment of {$450.00} was made on XXXX XX/XX/XXXX and that I made my final payment of {$20000.00} on XXXX XX/XX/XXXX. I have sent letters and all the evidence to validate my case, provided everything they have asked for and my credit file is still not fixed. This is a gross violation of consumer rights for them to ignore all my requests when I paid everything as agreed and followed all of the protocols and instructions. I will attached everything I have submitted. 

XXXX XXXX XXXX XXXX XXXX. Box XXXX XXXX, TX XXXX ( XXXX ) XXXX American Honda Financial Corporation Credit Reporting Dispute XXXX. XXXX XXXX XXXX, TX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

On XX/XX/XXXX we traded in a vehicle to XXXX XXXX. 
They pay off for the vehicle wasnt revived until XXXX cause XXXX XXXX doesnt not have a physical address. My credit report is showing a late payment which needs to be removed
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

I am a victim of identity theft and have been struggling for the past XXXX years to remove fraudulent information from my credit reports. While I was outside the U.S., a USAA Savings Bank credit account was fraudulently opened in my name without my authorization. I previously filed a complaint ( No. XXXX ) regarding this issue, which Ive attached for reference. 

USAA Bank assured me that the fraudulent account would be removed from XXXX within XXXX  days, but that deadline is nearly up, and the account is still visible on my report. 

On XX/XX/XXXX, I attempted to dispute this account with XXXX directly, but the dispute was declined. Over the past XXXX years, Ive made multiple phone calls to USAA Bank in XXXX, XXXX, and XXXX. Each time, I was told the account had been removed and that I needed to wait XXXX  days for XXXX to reflect the change. Unfortunately, this has not occurred. 

To provide further context, Ive attached a screenshot of my XXXX report showing the account is still active. 

From my initial call in XXXX until now, I have been waiting not just XXXX  days but over XXXX days for resolution. 

Please address this issue urgently, as it has caused me significant hardship.
Consumer complaint received 2021-06-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (AL)

XXXX XXXX XXXX is contacting me about a auto loan from Santander Consumer. Santander had to settle in 34 states and work to repair the credit of those affected. I wasnt 60 days past due when they took my vehicle. They then sold the car and sold the debt to XXXX XXXX with whom I have never done business. I keep getting harassing calls and threats from this company.
Consumer complaint received 2021-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/2020 I booked a flight to XXXX to take place in XXXX. The total price for the flights was {$2400.00}. When it became clear that this flight was not going to happen I called XXXX XXXX and asked if I could cancel my flight since it had already been rescheduled to a different time which opened up the ability of the ticket to be refunded. The agent on the phone told me that this was fine and to find the hidden area on their website to do this. The website kept changing back to XXXX every time that I went to a new menu and was intentionally difficult to apply for a refund. Desipite this, I applied for a refund for all of the flights that I booked. Months passed and I never received one dollar from them. I then disputed the charge with AMEX in XXXX. They denied my dispute and did not provide a reason why. I then contacted the Department of Transportation. The DOT responded to my inquiry and XXXX  responded to my complaint that they were trying to refund the money but couldnt because of an open dispute. There was no open dispute. Weeks went by with no resolution. I then reopened again XX/XX/XXXX the dispute with AMEX showing them the email proof that XXXX  airlines agreed to refund. I was denied again. I now have no money and no credit and the flight never happened. I am out the full {$2400.00}. Thank you for reading this.
Consumer complaint received 2021-06-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DSW Carolina, LLC d/b/a Resource Services (SC)

On XX/XX/2021 I received a text message from XXXX stating " XXXX, Please call XXXX XXXX at XXXX. It is important. This is a no reply box. '' I received this text while I was at work. XXXX XXXX also called my wife to get in contact with me while she was work. My called him back to why he was calling and found out that he was Former SC Solicitor XXXX XXXX trying to collect a debt from me on behalf of XXXX stating that I owe {$4400.00} them. My wife told them not to contact us by calling or texting us by phone and that they can only reach us by mail. XXXX XXXX and his associates at Resource Services in XXXX, SC has still continued to call and text us through their automated systems from multiple numbers even after my wife told him to contact us by mail and he left a Voicemail on my wife 's cellphone on XX/XX/2021 urging me to call him back. On XX/XX/2021 I received a letter from Resource Services that threatens to possibly garnish my wages, issue a judgement or possibly place a lien on any personal property if I did not respond with 72 hours. I sent them a letter on XX/XX/2021 asking to prove the following : Please attach copies of following documents : 1. Agreement with your client that authorizes you to collect on this alleged debt. 
2. Agreement that bears my physical signature where I promised to pay the original creditor.

3. Proof that you have the right to collect this debt in my state.

4. Proof that your company carries a bond.

5. Proof of how your company assessed the outstanding debt.

6. Complete payment history on this account, to prove that the amount that you wish to collect is accurate 7. Do you own this debt or is this debt assigned?

8. Prove the Statute of Limitations has not expired on this account.

9. Copies of all letters sent to me from you and the original creditor.

10. How much did you buy the debt for? 
On XX/XX/2021 I received their response and saw that they did provide me the information I asked for. They sent me a copy of the membership agreement with falsified Retail Contract that had a pixelated signature on it.
Consumer complaint received 2021-06-04
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (FL)

My husband and I bought a home XXXX of 2018. One year later he passed and I have been struggling ever since to pay the mortgage, since my only income is from social security. I have tried several times to refinance but have been told I don't have enough income because of a car payment. I have since gotten rid of my car and decided to try again. On XX/XX/XXXX I spoke to XXXX at Rocket Mtg. He told me I could qualify for a refinance with no closing costs. My problem is my current mortgage payoff is {$110000.00} at $ XXXX/month with a rate of 4.625 %. The mortgage Rocket gave me came to $ XXXX.at $ XXXXmonth with a rate of 2.99 %. To me, that is an {$8000.00} finance charge, for what? I don't think it's worth doing to save $ XXXXmonth and I certainly wasn't informed that there were fees of {$8000.00} that would make my new mortgage payoff be so much higher then originally. I feel as though I am being taken advantage of, since no one explained the whole process to me while I went through the application on line while speaking to an agent on the phone. I feel like everything was done very quickly and I didn't have a chance to ask any questions. Someone told me that if I cancel the mortgage, I have not sent them any documents so far, only what they obtained from my credit report. I would be responsible to pay costs to them which I really can't afford. Please help, I don't know what I should do.
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TD BANK US HOLDING COMPANY (MA)

I am writing to lodge a complaint against TD Credit Card Services. 

I am in the process of obtaining a new mortgage on my home that will save {$1000.00} a month. The Mortgage Lender asked for a letter from TD Bank stating what the balance owed was on the account. On XX/XX/XXXX I paid {$2000.00} and asked for letter to be sent. I went to my local TD Bank and was told that this very simple request could not be completed by them at the bank and I had to call TD Credit Card Services number on my card because they were a different company. 

I called CC Services again and asked for the letter again explained why I needed it. I spoke to 3 levels of supervisors when they each said they couldn't help. The last one was named XXXX and she said the letter was actually sent on XX/XX/XXXX and it would take 10 business days. The 10 business days was up on the XXXX I called again and they said thy couldn't help. I still have no letter. 
The delay has already cost me {$1000.00} I feel this is a totally unreasonable action on the part of CCServices XXXX XXXX  ) part. It may cost me another {$1000.00} very soon.