davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (MD)

XX/XX/XXXX and everyday since this day I am receiving calls from Credence Resource Management in Michigan about an debt that didn't belong to me that has already been disputed with another collection company back in XX/XX/XXXX for the same creditor ( XXXX  ) for {$5300.00} I informed them that this debt was due to identity theft and I thought this was resolved back in XXXX XXXX XXXX. I also informed them that I had a complaint filed with CFBP for this creditor with another company and it was resolved. they for one are calling me on a sunday which i believe they have no right to do also they informed me that they will not be filing a dispute on my behalf and that i can settle for XXXX and pay them XXXX a month until this is paid. I am a victim of identity theft and I will not be paying for any debt that doesn't belong to me. I also asked them to provide documentation to show proof of my signature they weren't willing to do that. I have already filed a complaint about this debt and I will need to get this cleared up immediately. I informed Credence Resource Management that I was going to file a complaint against them form consistent calling and not willing to file a dispute on my behalf. XXXX was the supervisor that I spoke to on several occasions about this debt.
Consumer complaint received 2020-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HCFS Healthcare Financial Services of TeamHealth (VA)

ARS Account Resolution has submitted a negative account for publishing on my credit report. ARS Account Resolution is not licensed to collect in my state. They have failed to validate the debt as requested in writing. ARS Account Resolution was mailed a debt validation letter on XX/XX/2019 to which no response has been received.
Consumer complaint received 2020-01-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (VA)

Subject - Complaint about recent Home loan application and discriminatory experience I am writing this letter about my complaint to Chase Home Lending Department related to my recent interaction with Chase Home Lending team. I would appreciate if someone can review this situation and respond to me as I feel this as discrimination based on my immigration status. I have never had this kind of experience from any other major bank or even Chase before. I have been Chase customer for a long time and never expected such behavior from Chase when it comes to one of most important decision in my life of buying a new home. 
About a month back, I was in market to purchase my first new home. On XX/XX/2019, I contacted Chase for getting initial quote for mortgage. They were able to get all details, work with me for couple of days on quote and when it came to finalizing application, they backed out saying they can not take my application because I am on a XXXX. This is exactly what bank agent told me on phone on XX/XX/2019. I was shocked by this decision and asked if they saw anything odd with my application. Chase representative on phone talked to someone ( may be his supervisor ) and said they will not take my application for mortgage due to XXXX. I have never experienced such discriminatory behavior in my last 13-14 years in USA. I work on XXXX XXXX and have been in USA for about past 14 years. I have best credit score, good employment history, enough income and had past relationship with Chase. I am just not sure if this is new Chase policy and how this will take them to being top player in this 21st century. I immediately took my business elsewhere and recently closed on my first house with one of other major bank. I did inquire with couple of banks on such policy of not giving loans to long term immigrants with XXXX XXXX and no one has any such policy. I even checked in my friend circle at work and no one has heard of this and were shocked with my experience with Chase. Not sure where Chase is moving with such discriminatory policies. 
I am just very sad to experience this with Chase of which I was thinking very highly until few days back. We do want to hear back and see the response on behalf of hardworking immigration community in USA. First home is always emotional subject and unfortunately, I do not have good memories for Chase with it in my books.
Consumer complaint received 2020-01-31
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Motolease, LLC (NV)

Purchased motorcycle on XX/XX/16. Motorcycle was stolen and damaged XX/XX/16. XXXX XXXX justice court # XXXX. Case is still in litigation. The suspect convicted of grand larceny auto is the person solely responsible for debt owed on this damaged motorcycle. This company is unwilling to listen and understand the situation. I dont believe I am responsible to clean up after some trash who has yet to be reprimanded for his crimes.
Consumer complaint received 2020-01-31
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC. (GA)

XX/XX/2019 I tried resolving a 30 day delinquency by refinancing my auto loan. Ally told me that their system would not accept payment, because the process for voluntary surrener had begun. Ally recorded each call each day, I was told and was well aware I was trying to resolve to keep my vehicle. Ally recommended surrender and paying the account off during the process, I did what Ally recommended voluntary surrender XX/XX/2019. Ally never contacted me once I voluntarily surrendered the vehicle, instead Ally sold the vehicle and instead of me having an opportunity to pay the vehicle off in full, now Ally states I owe Ally the difference. I do not owe the difference I was in contact with everyone including XXXX XXXX  XXXX XXXX who informed me Ally sold the vehicle I surrendered. When contacting Ally, Ally told me though I have received every piece of correspondence from them, something must have happened to the information mailed to me on in XX/XX/XXXX that would have given me opportunity to own my vehicle. Now, Ally aggressively try to collect on their mistake. I told Ally I am XXXX and would not lie about the process they had me in nor would I lie about the fact that I never received their correspondence, even though I am home everyday for the mail. Ally Rep just kept repeating the same information
Consumer complaint received 2020-01-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NJ)

I'm a co-signer on a student loan account with Wells Fargo Bank, N.A. but do not have any other relationships with Wells Fargo. The student loan is not yet up for repayment as the student is still attending school. 
Earlier this week, I received a " XX/XX/2019- 1099 - INT, INTEREST INCOME '' statement from Wells Fargo reflecting my social security number, a checking account number and {$760.00} of interest income on that account in XX/XX/2019. I do NOT have a checking account with Wells Fargo. I called the Student Loan Customer Service at Wells Fargo on Wed, XX/XX/XXXX to report this issue. After being on the phone for close to an hour, the Wells Fargo agent confirmed that the 1099 statement was an error on their part since they could not find a checking account under my social security number. I then asked them to send me a corrected statement to show no interest income so that I don't have to report this as interest income when I file my XX/XX/2019 tax return. In response, I was told that would not be necessary and that Wells Fargo Executive Office will contact me via phone in the next 24 hours. It has now been 2 days and nobody has contacted me!
Consumer complaint received 2020-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

35 years I had trust in USAA The financial advise all set up as a trusted relationship My ex was XXXX XXXX XXXX and back then USAA was trusted NOT TODAY USAA has been fined millions  Please answer USAA, Do fraud claims have claim numbers? Do disputes have claim # s Yes or No?

I have been told Disputes have claim # s fraud does not Please answer USAA, on the FRAUD claim letters attatched. with claim # XXXX IS THIS MY MEMBER NUMBER? Why do MY FRAUDS HAVE CLAIM NUMBERS? Why no resolve? 
Why do the letters decieve saying no further action is needed? PRETENDING TO MEMBERS A STRONG TRUST THEY MUST HAVE IN USAA TO PURSUE THIS FRAUD CLAIM USAA says NO FURTHER ACTION NEEDED BY MEMBER Then turns fraud into duspute. For a year and a half I was decieved into believing USAA WOULD RESOLVE FRAUD. This is an Antitrust Issue of ** NO TRUST. ( USAA NEVER RESOLVED ANY FRAUD I REPORTED AND REPORTED FRAUD I DID NOT REPORT TO CREATE CREDIT REVERSALS ) USAA IS EXTREEMLY DISHONEST FOR EXCESSIVE PROFITS USAA BOASTS IN ZERO FRAUD LIABILITY and they provide No Protection for Frauds LEAVING CONSUMERS WITH MORE FRAUD LIABILITY ALL MERCHANT CREDITS AND ALL ADJUSTMENT PURCHASES turn into New Purchases a year later ADDING MORE FRAUD TO ACCOUNT I DID NOT PURCHASE USAA has changed all my fraud I REPORT into disputes and put fraud investigation adjustments I DID NOT report fraud Because Merchant credited the account. Adjustment Purchases do not apply as Permanet credits however, USAA CAN CLAIM TWO CREDITS for a credit reversals Please answer USAA HOW CAN YOU PUT CREDIT REVERSAL/ NEW PURCHASES ON ACCOUNT WHEN USAA CLAIMS NO FRAUD EVER OCCURRED? 
Temporary credits/ Adjustment Purchases MUST BE MADE PERMANET TO APPLY USAA PROFITS FROM FRAUD with Credit Reversals Informing consumer NO FURTHER ACTION IS REQUIRED They never credit usaa credits to cover frauds
Consumer complaint received 2020-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AL)

I have struggled for several weeks to get a freeze removed from my Experian account which was placed after the mega security breach back in XX/XX/XXXX and I still dont know if its been removed. I have successfully removed freezes placed on XXXX  and XXXX  and now able to place a freeze on my XXXX  and XXXX accounts conveniently and free or charge however, Experian makes this task extremely difficult and the ultimate outcome is for me to subscribe to a credit monitoring service which I am not interested in obtaining. The same information I enter on the Experian site requesting a freeze is the same I entered to get my annual free credit report from Experian and that request was successful. I have tried numerous times to contact them via phone but Im only presented with a maze of phone options ultimately ending with the response to mail pertinent information to a location in XXXX Texas. 
The following are steps Ive taken to place a freeze on my account. 
Access the Security Freeze Center web site at Experian : https : //www.experian.com/freeze/center.html Select Add a Security Freeze -> Freeze My Own Credit File Enter name, address, SS #, DOB, email , and created a PIN Submit The next screen indicates Experian can not identify me based on the info I entered This same information was good enough to prove my identity for the free credit report.For what its worth, I also tried the link to remove a freeze both using the PIN created to freeze my account several years back and without a PIN. Both were unsuccessful. 
If I could talk with someone that would be helpful, but all avenues lead to a laborious process of mailing info to an address in XXXX Texas and adding time to the request. The only option offered by Experian is to buy a credit monitoring service. Any attempt to contact them results in the same thing. Im never able to easily speak to a representative. 
I simply want the ability to add or remove a freeze to my credit file free of charge as required by the Federal Government as of XX/XX/XXXX. 
Attached are screen shots of the Experian web pages I visited and the data I entered. 
I hope you have better success than me in getting this resolved and making Experian play by the rules Thanks, and Regards, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-02-14
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: EQUIFAX, INC. (WA)

I filed a dispute with Equifax concerning a collections account placed on my credit file. The account was submitted to Equifax by XXXX XXXX XXXX with the original creditor being XXXX. XXXX reported the account with the incorrect ( First Date of Delinquency Date ), which they reported was XX/XX/XXXX. The correct date should be XX/XX/XXXX. Equifax also reported that the account is schedule to be removed from my credit file on XX/XX/XXXX, which is incorrect. The correct date the account should be removed in XX/XX/XXXX. I submitted a credit dispute to Equifax giving them documentation that shows the last payment on this account was XX/XX/XXXX. Based on the Fair Credit Reporting Act ( FCRA ), the XX/XX/XXXX is completely accurate when determining the ( First Date of Delinquency Date ) and subsequently sets up the date that the account is to be removed from my credit file. When Equifax completed their review, they did not update date my credit file to establish that the First Date of Delinquency Date should be XX/XX/XXXX and the date the account should be removed from my credit file should be XX/XX/XXXX. Equifax only updated my credit file telling me that I needed to contact the collections company XXXX. When XXXX first reported this collections account on my credit file, I submitted to them a debt validation request, and they never responded. XXXX only contacted me via phone at work and harassed me telling me I had no authority to question the debt as it was validated by XXXX. I informed XXXX that I did not want to have another harassing phone call and that they should only contact me via US Postal Mail. Based on the documentation I provided, this collections account will have aged on my credit file for 9-years, two years more than authorized by federal law.
Consumer complaint received 2019-06-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (TX)

A representative from Phoenix Financial Services called me the week of XX/XX/XXXX stating that I owe a {$100.00} medical bill from XXXX. They stated this was a balance for being seen in the emergency room. I told the representative that this was not my bill and that I am a victim of Identity theft I was not seen in the ER in XXXX. I was told by the representative that they would be putting this on my credit report. I told the representative that this was against the law and the Fair Credit Reporting act because I never received anything from them who the debt does not belong to and or whoever else the debt is for such as the ER department that they are stating that I owe from XXXX. I again informed the representative that I never received any type of notice about a debt from XXXX, the Texas statue of limitations is also 4 years and the debt is not mine, I am a victim of Identity theft, with an Federal Trade Commission affidavit and police report on file with all three credit bureaus. I advised them to return the debt back to the creditor as Identity theft victim. Today XX/XX/XXXX the debt is appearing on my credit report and I tried to call them and the number listed online just keeps giving a busy signal so they can not be reached only if they call me and try to harass me to pay a debt that is not mine.
Consumer complaint received 2023-09-15
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: Experian Information Solutions Inc. (FL)

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-25
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. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2019-02-14
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (NY)

We applied for a cash-out mortgage refinance through Rocket Mortgage in order to pay off some credit card debt back in XXXX of 2018. Our loan officer chose to put us in an FHA loan even though we had more than enough equity in the home and both my wife and I have excellent credit.

Before closing on the loan, there was only a mention of MIP or 'upfront mortgage insurance premium ' as a line item in our closing costs. There was absolutely no mention of that money ( {$5600.00} ) being non-refundable, as we came to find out a year later when we recently refinanced in order to move to a conventional mortgage.

Our new loan officer assured us that at least a portion of that {$5600.00} would be refunded after the new loan funds and the old FHA mortgage is paid off. He stated we can use our FHA case number to apply to have a portion of our MIP refunded totaling around {$3900.00}. This became a deciding factor to move out of the FHA loan and into a conventional mortgage.

However, when I called FHA HUD they gave me a different story, stating the money we paid last year is now gone, and we are not owed a refund. How is that possible?? We basically paid almost $ 6k for the pleasure of having an FHA mortgage for less than a year. Had we been made aware of this ( non-refundable ) payment back in 2018 we NEVER would have agreed to the FHA loan, and it was the responsibility of Rocket Mortgage to make that fully clear. This is a lot of money that we are out, for no reason at all.
Consumer complaint received 2019-02-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (MI)

When I checked my state of Michigan refund status 2 days ago it stated that my refund was offset by a third party and my refund went from {$1200.00} down to {$300.00}. So I contacted the state refund number and was referring to the collections who I was able to speak to yesterday XX/XX/XXXX. When I asked who was taking my refund they informed me that it would be going to Midland Funding because they were able to get a judgement from the XXXX district court in XXXX, MI back in XX/XX/XXXX. I don't know this company for one and secondly I was never notified of any lawsuit or court dates or anything necessary in order to appear in court to defend myself. I don't understand how this company can get away with this. I have filed complaints with Michigan Attorney Generals office and Michigan Tax Payer Advocate on XX/XX/XXXX. Before this I was told I could try to file a motion to set aside judgement but I may not get a court date before my refund is released to the company.
Consumer complaint received 2023-09-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

Sent this company several request to prove that this is a valid debt as well as disputes with all major credit reporting agencies. 

LITIGATION I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I presume no evidence of the Alleged Debt therefore exists
Consumer complaint received 2019-06-20
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

i have no authorized credit inquiry from 7 banks and XXXX i don't know what happened here attached have 2 images from XXXX 7 XXXX   report
Consumer complaint received 2019-06-20
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. (NV)

Experian verified a bankruptcy through a third party XXXX XXXX. Before, they would say " A company '' verified the public record. I now have proof they never verified because my XXXX XXXX file had a security Freeze since last year. This report is dated XX/XX/XXXX my XXXX XXXX file was frozen XX/XX/XXXX. In addition, the Bankruptcy court said they do not communicate with Credit Reporting Agencies.