davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-16
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC (AR)

On XX/XX/XXXX, My XXXX XXXX XXXX daughter opened the door and was handed a paper. When she asked what is it he said he is unsure and left without a signature or verification of whom he handed the paperwork to. I looked at the paperwork and it says I am being sued by a debt collector I never heard of before Jefferson Capital Systems and an attorney named XXXX XXXX XXXX. Suing me for a XXXX XXXX  that was wrongly taken out of my possession in XXXX from XXXX XXXX XXXX. My truck was paid off, I spoke to a rep that clearly stated I paid over XXXX for the truck and she didnt know why they were saying I still owed payments, There were payments missing and no one could explain where my money was going. I requested that they review my phone calls for each time I called in to make a payment. She said she would email me some paperwork showing the truck had been paid off once, and then payments just disappeared. Once I received the email and tried to reopen it to save it, it was no longer available, and a few days later I walked outside and the truck was gone. When I called them they said I would have to pay over XXXX to get it back. This company completely ripped me off, stole money and truck from me. Each time I tried to call them after that I would always be placed on long holds and no reply. I never heard from them again. Now almost 4 years later this collection agency that I have never received any communication from is trying to sue me over a janky company that steals money from people. I wasn't able to verify or validate anything before they decided to sue me. I don't know if they are able to legally collect this alleged debt or if they are trying to steal from me like XXXX XXXX XXXX. I feel completely violated and harassed and this doesn't look good on my profile. Debts are supposed to be validated and verified BEFORE they are allowed to sue you, according to new laws they aren't supposed to try to collect at all. They are not the original creditor and just trying to find a way to get money off of a scam. They didn't properly reach out to me beforehand because they know this debt is not owed and tried to find a illegal way to obtain money.
Consumer complaint received 2023-08-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OH)

I have been trying to use XXXX through Chase Bank. On XX/XX/XXXX I had some work done on my house and tried to pay using XXXX. My account was locked four different times during this process. I was not able to pay for the services I received through XXXX however I was able to use another app to send payment. At that point in time I thought I was fine. I spent well over an hour on the phone with Chase and completed my transaction. Today I am trying to again pay another contractor for services rendered and I can not access my online accouunt. I have spent XXXX minutes on the phone with chase. Because it took me additional time to enter my verification information the auto verification system would not accept my responses. I apologize that my XXXX  hindered my quickness to respond to the online verifiaction process but my money should not be held hostage. I asked for a supervisor I spoke with XXXX who would not assist me either and ended up disconnected the call. Now I am on the phone again trying to access my own money to pay for services rendered so they will leave my house. The solution provided by Chase was to call back and go through the process again and hopefully I would be able to enter my information faster this time. Also I was told I would need my complete credit card number when in fact all thar I needed was the last 4 digit of my card number, not the complete number,
Consumer complaint received 2022-06-24
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. (OK)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  Account number XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX has violated rights of privacy. 15 U.S.C 1681 SECTION 602 A. STATES i have the right to privacy 15 U.S.C 1981 SECTION 604. A SECTION 2 states that the consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 and XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2021-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (CA)

I sent my mortgage company PNC Bank a check on XX/XX/XXXX for the amount of {$1600.00} via my bank bill pay system. On XX/XX/XXXX I received a letter that my XX/XX/XXXX payment was overdue. I called PNC and they recommended that I pay online and cancel the original check since they have never received it. I declined that option and contacted my back first. 

Upon contacting my bank they told me that the check was sent on the XXXX, endorsed by PNC bank on XX/XX/XXXX and cleared on XX/XX/XXXX. I once again called PNC bank they they told me to fax a copy of the front and back of the check. I did. They then told me that until they find where the money has went, they can not credit my account. I called a few days later and they then told me to email the front and back of the check. On the phone they acknowledged that the endorsement on the check was PNC bank and my funds were sent and received but once again, they stated that until they determine where the money was deposited, they can not credit my account. 

I have attempted to call XXXX times today and have been put on hold and disconnected all XXXX times It is XXXX days since they deposited my check and still no funds have hit my mortgage account.
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: EQUIFAX, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-13
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FORD MOTOR CREDIT CO. (GA)

This antagonist unknown third party debt collector is threatening to come after me for an alleged debt that is voided due to the nature of it cause, intention, definition, what constitutes a default, and the most importantly, DISCLOSURES. The latin word of default means de+ fallere, meaning " to deceive '', '' to cheat '', or " to lead astray ''. In a financial sense, the actual meaning is to deceive or lead astray a potential borrower. This unknown third party are doing business as XXXX, XXXX & XXXX, PA. I expressed to them a " Cease and Desist '' notice & an Identity Theft Report and they are still harassing me. I will like to sue them for actual damages for the voided principal and security agreement, harassing me, not being conspicuously and clearly with the disclosures, the penalty for the violation of all Provisions and not respecting my mind. The federal Act of the disclosure requirements under the Truth and Lending Act and Regulation Z are governed by the CFBP which is part of the Consumer Financial Protection Act of 1968, amended. The controlling law in the area of disclosures is the " TILA & Regulation Z ''. The original creditor ( FORD MOTOR CREDIT COMPANY ) failed to comply with this federal law as well as this third party. The law is the law, which was broken. A federal law that was made by the Congress and the CFBP.
Consumer complaint received 2022-12-31
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since XXXX a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
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 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  ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am impacted by the Equifax data breach. I'm a victim of cyber theft due to Equifax 's negligence and failure to protect my private and person information. Equifax has failed to keep myself and many others informed of the data breach when they learned it had taken place initially. They chose not to react accordingly. This a serious matter and Equifax needs to be held accountable for the breach of my data. The dates of the breach that I was informed of two days ago started back in XXXX XXXX XXXX. The courts have ruled in the favor of us impacted victims and have awarded Equifax to pay us victims what we are owed. I have yet to receive any monies nor did Equifax issue me an apology. I have filed an incident report in regards to the cyber theft that has impacted me, printed out a copy of all my credit reports and have put a security freeze on several companies who have my personal information on file. I have read hours and hours on this Equifax data breach settlement to understand my rights and what I need to submit to Equifax. This is a scary position to be in knowing that folks have access to your private and personal information.
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-08-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On XX/XX/XXXX I was looking on XXXX XXXX for a used XXXX XXXX to purchase for my nephews birthday. I saw one for XXXX $ and asked if the merchant ( XXXX XXXX ) would be willing to ship it instead of meeting up for the item. The merchant agreed and assured me that once I paid her the money through messenger, she would ship the item and keep me updated. After transferring the money to her over XXXXXXXX XXXXr, the merchant was unresponsive to my messages. I then, reported the merchant to XXXX and filed a dispute with my bank USAA the next day on XXXX XXXX I am a veteran of the United States XXXX and have been with USAA since XXXX. After making the dispute I sent my bank screenshots of the business transaction. I sent screenshots of the merchant being unresponsive. Because this money transaction was through messenger, XXXX advised me to dispute the charge with my bank because the purchase was not made through marketplace. I never received anything in the mail from the merchant. It is clear I am a victim of fraud. I submitted evidence proving I was a victim, but upon speaking with my bank, I was advised I had to make a dispute with XXXX to get my money back. As a bank who I had trusted, I expected that USAA would resolve the dispute in my favor because I was scammed.
Consumer complaint received 2021-06-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (TX)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OBTAIN FRAUDULENT MEDICAL SDERVICES FROM YOU. THE FOLLOWING ACCOUNTS WERE FRAUDUENTLY OPENED IN MY NAME : XXXX XXXX XXXX OPENED : XX/XX/2019 XXXX. XXXX I HAVE ENCLOSED MY POLICE REPORT, ID AND SOCIAL SECURITY CARD.
Consumer complaint received 2022-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am unsure how and why XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX pulled a hard inquiry on my account. I did not give them written consent to review my credit reports
Consumer complaint received 2023-06-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (IA)

My current loan servicer is Mohela. I have communicated through messages on the Mohela website as well as called their toll free number to determine why my monthly loan repayments are shown at {$820.00} but no representative at Mohela has been able to sufficiently answer my question. My Mohela account shows that my current principal is {$54000.00} with {$0.00} current interest and with a 5.31 % fixed interest rate and repayment remaining over 105 months. I am being told I owe {$820.00} monthly when my payment plan begins XX/XX/2023. This calculation would reflect the correct amount IF based on my original principal of {$70000.00}. My monthly repayment should resume at {$640.00} through my current loan repayment terms. Mohela is resetting my loan payment modifying only the number of payments and not the principal, as such they are charging me approximately an additional {$4000.00} over the life of the loan. They are likely doing this to many other consumers as well. As shown through the Department of Education 's loan webpage at studentaid.gov, " Your loan servicer would base your new payment amount on : 1 ) your current balance of principal and interest and 2 ) your remaining repayment period. 

Direct link below : https : //studentaid.gov/announcements-events/covid-19 Please see the amortization schedule attached for further details.
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 an account without my written instructions I have sent multiple letters and emails ; also called both companies and exampled to them that this account is not mine. By this account reporting false information on my credit report, it has caused lenders to refused applications ; which put my business in a financial deficit. Please assist me with this issue by removing is fraudulent account.
Consumer complaint received 2023-06-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

I opened my Savings account on XX/XX/23 with a {$520.00} bonus attached in branch. 

I deposited a total of $ XXXX within 30 days of account opening and had a balance of $ XXXX on the 90th day since account opening, doing everything needed for the bonus. 

A friend of mine opened the same promotion saving account on the same day and has received their {$520.00} bonus on XX/XX/23 but I do not have anything pending.
Consumer complaint received 2022-10-23
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. (TN)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2022-10-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ZWICKER & ASSOCIATES (TX)

Good morning, I have loan with XXXX XXXX Bank about XXXX towards credit card. I did make several payments, during COVID. Due to covid hardship XXXX XXXX turned my case to Lawyer ZWICKER & Associates, P.C. Lawyer filed my case into District court. While court is handling case lawyer Zwicker & Associate kept bullying, lies and has been harassing me which affects my job and health. I have been having XXXX XXXX and high XXXX. Due to covid hard ship, being as a XXXX mother this is placed additional stress on me. I tried to make financial arrangements with XXXX XXXX, but they refused. I made payments towards my loan prior ; they did not even count those/ mentioned. Lawyer have been harassing me since XX/XX/2022. I am willing to provide all document which I received from Lawyer.
Consumer complaint received 2022-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (VA)

First,. I'd like to start by saying I've never heard of this company. I've never received anything in the mail and had no idea who they were until they started calling me about a year ago. 

Hunter Warfield has continuously been calling and harassing me for a debt I have paid to the original creditor. I have spoken to a collection agent twice in the past year. Unfortunately, I did not note the date and time I spoke to them. The first conversation I was informed that they were attempting to collect a debt for XXXX XXXX for XXXX paper shredder. I informed the agent that the account in question has been included in a debt consolidation program and paid. The agent then began to try and bait me agitate me by attempting to interrogate me about this account and asking me personal questions. They continued to call on a weekly basis several times a day sometimes. 

I spoke to another agent several months later. By then this account had already been paid in full through the debt consolidation program. I informed the agent of this but he insisted I still owed them money. I also informed him that I never heard of their company nor have I ever received anything in the mail from them concerning alleged debt. He said they would send something via mail. I never received anything to this day. 

The phone calls continue and they are always from a different number. They never leave a message. In fact, I received one this morning from XXXX and that is why I am taking the time to report them for continued harassment.
Consumer complaint received 2020-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

When i pull up my score and pay the XXXX dollars they are not showing the correct score. they are not updating. and its been months. They also stated if you paid off past due debt you will receive XXXX points if you settled. XXXX points if it was taking off your credit and XXXX points if it were paid off in full. They are lying and that hasn't happened. Its fraud and i am fed up. i paid off all my accounts and my score is sill low. its misleading