davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

On my Credit Report ( see attached ) : Former Address ( es ) 1 ) Equifax - It shows that I lived in Louisiana, XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX, which is not correct. All my life here in the United States, I've only lived here in XXXX XXXX County California area. 

The Following AKA ( s ) were reported 2 ) XXXX - I have an AKA on my report as : which is totally not me. 
XXXX, XXXX XXXX, XXXX
Consumer complaint received 2020-02-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

First complaint # XXXX against Select Portfolio Servicing Inc was done XXXX. 

My Name is : XXXX XXXX owner and mortgage holder at XXXX XXXX XXXX XXXX MI XXXX. I am - disputing a false middle initial placed on my name through the Select portfolio servicing which created another person on my mortgage with the account. # XXXX. The company has continue to use the same name and account number. as of XX/XX/2020 which is an illegal name and account number. However I can no longer excess my mortgage account though their online services. Although the select portfolio servicing were faxed and send the correct information by the owner of the property, over ( 60 ) sixty days ago. 

The Select portfolio servicing Inc has continue to use an illegal middle initial to create an illegal account number through a conventional mortgage foreclosure at XXXX XXXX XXXX Mi XXXX. However, as of XX/XX/2020 the select portfolio servicing Inc requested for the Owner/complainer to sign a document : which will not hold : Select portfolio servicing, accountable for their illegal errors. 

Therefore I ' XXXX XXXX is filling a [ second ] complaint against : Select portfolio servicing Inc. I am requesting for the select portfolio servicing to accept all responsibility for their illegal name error, and to change all  account numbers to the mortgage account to reflect the correct changes ; belonging to the Owner. XXXX XXXX. financial mortgage loan. As of XXXX XXXX Select Portfolio servicing " has not " used the correct name, Nor a new account number to reflect the changes of the errors and the errors still exist. 

Therefore I am filling another complaint against : Select portfolio servicing to correct my name and the account number on my conventional mortgage account. Requesting for the SPS Inc to send a confirming documentation to the CFPB complaint bureau and the owner in the correct name with a new account number under XXXX XXXX mortgage as of XX/XX/2020. 

Best regards XXXX XXXX
Consumer complaint received 2020-02-21
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. (NC)

I have the app credit karma to keep track of my scores. I recently logged on and saw 2 unknown suspicious accounts that were opened under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts because my credit was ran multiple times. These 2 accounts and inquiries were not made by me. Please take these unknown items off my report.
Consumer complaint received 2020-02-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY (TX)

As a customer I am utterly disgusted and incredibly frustrated with how PrimeLending has handled my loan. After I sold my house in XX/XX/XXXX, I expected to receive my escrow check in the amount of {$5700.00}. The check released on XX/XX/XXXX was sent to the wrong address. I called and had it corrected in XX/XX/XXXX and still no check came in XX/XX/XXXX. However, I had received several letters confirming my address so I know there was no issue with the mailing. On XX/XX/XXXX I called again spoke with a supervisor and was informed that the check would be expedited. 

As of today, XX/XX/XXXX I still do not have my check. The representatives and supervisors in customer service do not keep accurate notes of my phone calls and I repeatedly have to go back and forth with them on the issue. If I were the one who owed PrimeLending, there would be dogs and bounty hunters on my back.

I have mailed letters and sent faxes demanding there be some urgency behind refunding my money. It is money that I paid into the account for my property expenses and it is rightfully mine. PrimeLending has a legal and moral obligation to return it. I've even reached out to my original loan officer to have her help me reclaim my money. No one at Primelending seems to care how poorly this has been handled. Even the supervisors don't seem to put any urgency behind the matter. Every time I call someone knew tells me to wait, they say it will take 48 hrs to research the account then another 14 days to send the check. Why does it take so long??? Only for me to find out, it was never done!! I want answers from someone in the company who can make executive decisions and overnight me my funds! I'm hoping this complaint will put some pressure on them to move this along.
Consumer complaint received 2020-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NY)

TD Bank would not give me my money back from fraudulent transactions. XX/XX/2019 I used my card at the bank atm about XXXX XXXX. I dropped the card right outside of the bank as well as my phone. I had to wait for the bank to open to report this and turn off my card. By then over {$200.00} was gone. two {$40.00} meals at XXXX and over {$100.00} at XXXX XXXX. 

I disputed this the bank refused to give me my money back because they said no one attempted to use the card after they issued me a new one. I was honest and I really would like my money back.
Consumer complaint received 2020-02-24
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: CAPITAL ONE FINANCIAL CORPORATION (NE)

Company : Capital One Spark Business Credit Card Dates : XX/XX/XXXX / XXXX XXXX charge Actions : Multiple calls since the following billing statement of the charge Capital One Response : XX/XX/XXXX - XXXX XXXX  credit to my account was denied. 

Description -- -- -- -- -- -- -- -- - Capital One has unfairly blurred the lines between their Business Spark Cash and Spark Miles card. As an example, when I visit the website for the Spark Cash Card ( https : //www.capitalone.com/small-business/credit-cards/spark-cash/ ) I scroll down to the link that says " See all card benefits. '' On the subsequent page, benefits are also shown for the Miles card, such as a " XXXX XXXX '' credit. This unexpected merging of features, that aren't included on both cards, should not be allowed. 

When clicking " See all card benefits '' for the Cash card, benefits for an entirely different card should not appear on the resulting page. This is EXTREMELY misleading and confusing to the consumer. 

Due to this misleading advertising, I was led to believe that my card included a XXXX XXXX credit. After signing up for XXXX XXXX and realizing I had not received a credit, I called Capital One only to be informed that my card did not include this feature ( so it was NOT part of the " all benefits '' that the website link claimed ). The manager agreed that the website was extremely confusing and submitted a claim for credit, but again the credit never appeared. I called in again, after the 1-2 billing cycles they said it might take for a credit, and they said my claim was denied. 

Capital One needs to clean up their misleading site and adjust their behavior when it's clear they are in the wrong. 
1 ) When clicking " See all benefits '' for a specific card, benefits for THAT CARD ONLY should appearnot a blend of cards.

2 ) They need to more clearly differentiate the " cash '' and " miles '' card. For instance, my plastic credit card doesn't say anywhere on the card which one I have, only " Spark. '' 3 ) When it's clear their design is causing consumer confusion ( something their manager openly admitted ), they should not be denying claims to remedy the subsequent mistakes ( such as my XXXX XXXX charge ) especially if they also are not changing their misleading advertising.
Consumer complaint received 2020-02-22
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Law Office of Harris & Zide (CA)

Base on previous complint against the debt collector on XX/XX/2019. cfpb case No. XXXX. The Original Creditor XXXX XXXX  had issue a letter to me indicading that I do not owe this debt and will notify the Law Office of Harris and Zide and creditor XXXX XXXX XXXX, XXXX, to stop harrasing me in this matter. Apparently, I am still getting letter and phone calls day and night from the attorney 's office ( Harris and Zide ) and XXXX XXXX XXXX, XXXX. Please stop them from giving me miserys which it has been many years.
Consumer complaint received 2024-11-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (AZ)

XXXX $ XX/XX/year> 15 U.S.C. 1692c ( c ) refers to a section of the Fair Debt Collection Practices Act ( FDCPA ) which states that a debt collector must cease further communication with a consumer if the consumer sends a written notice refusing to pay the debt or requesting the debt collector to stop contacting them regarding the debt ; essentially, it gives consumers the right to tell a debt collector to stop contacting them about a debt.
Consumer complaint received 2020-02-24
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. (TX)

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX. US DEPT ED AND USDOE/XXXX. I have contacted FTC and local police.
Consumer complaint received 2024-10-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: NAVY FEDERAL CREDIT UNION (GA)

I reached out to navy federal credit union about my car contract And advise them that they failed to disclose things in my car contract so I could have made a sound decision with all information being disclosed to me. Failed to disclose that I have a right to rescind, failed to advise I have an option to opt out of certain information being shared, sold or securities without my permission. Failed to fully disclose what a epromissory note transferable mean. Had I had a full disclosure of these thing I would not have signed into this contract that is not favorable to me as the consumer without instructions. The truth in lending act has been violated, the gramm-leach-bliley act has been violated and other federal laws thats suppose to protect consumers rights.
Consumer complaint received 2020-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (PA)

As a young consumer, I opened my first credit card with, what would become Elan Financial Services, in XXXX. I did this to build my credit score and become a financially responsible adult. I utilized the card for many years without any issues. 

On XX/XX/XXXX, I learned my credit card with Elan Financial Services was closed after a decade with the company. When I called in, I spoke to three different people, the last was a manager named XXXX ( refused to provide last name ) employee id XXXX. I was informed that my relationship was ended due to inactivity, however I never received notification of any form that my card would be closed if not used, nor that it actually had been closed. Upon reviewing my credit report I learned that it was closed and had a drastic negative impact on my credit score.

Throughout my decade long relationship with Elan, I never had any payment issues or derogatory marks. I have never had any issues or negative marks from any other financial institution I have a relationship with either. When I asked why I wasnt informe
d, XXXX  simply told theyre not obligated to inform me, but they do inform clients sometimes, no reason was provided as to why I wasnt one of those lucky clients. I asked XXXX how Elan operates in the best interest of their clients, as a financial institution should, she told me they make the best business decisions and they dont tell their clients how they act in the best interest of their clients. 

Even if Elan did not want to maintain the relationship because they were not making money off it, I shouldve be informed so I could act accordingly. Elan severely deteriorated my credit score with this one move by closing my oldest line of credit, simply because I was not one of the lucky clients that they sometimes inform of impending closure. All clients should be treated equally and fairly by the financial institution that they entrust their financial health and wellbeing to.

Elan may have discriminated against me as a female minority, or simply because I was a young consumer when I started the relationship. Whatever the reason I was not one of the lucky clients that get informed, Elan willfully acted against me as their client and my financial health.
Consumer complaint received 2020-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Rocket Mortgage, LLC (OH)

The intent was to have an associate of Quicken Loan/Rocket Mortgage contact me about my online inquiry. This is the reason when asked for my SSN and Birthday of my wife and I, I entered incorrect numbers for both. For example when asked my SSN I entered XXXX and my wife 's as XXXX along with incorrect birthdays. ( XX/XX/2020 ). Later I received an alert that a hard inquiry was ran on both our credit. On XX/XX/2020 I called Quicken Loan/Rocket Mortgage and spoke with their Presidents Club Resolution Advocate. I was told because I hit the next button online I authorized them to check my credit. They only need a persons name, address and birthday to run a credit check. I informed the person that I did NOT give them our birthdays and that I did NOT authorize them to run a credit inquiry. I informed them I thought this was a fraudulent act. The person told me to file a police report and then emailed me her contact information to forward a copy of the police report. -- -- -- -- -- -Nothing Follows -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -
Consumer complaint received 2020-02-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation (TX)

I was trying to obtain a loan and my credit got checked. That's when I found out that this company XXXX XXXX XXXX is charging me with {$950.00} and it has been transferred to United Revenue Corp a collection agency. I have tried calling them no response. This is hurting my credit score and I really don't know what else to do. I have found other people with my same name. I always use my full name with my initial. This company has the same name but with no initial. I want this problem to be solved.
Consumer complaint received 2020-02-21
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: VW Credit, Inc (NY)

on XX/XX/XXXX, I was able to obtain a lease contract with Volkswagen USA " account number XXXX ''. It was a 3 year, XXXX mile lease. I usual, I paid my bill on time, and in accordance with the terms, and conditions of the lease. I have been leasing vehicles from VW from years, and I was never late once. This time was no difference. I paid the vehicle in full, as I was making the payments online, through their website. On XX/XX/XXXX, I made the final 2 payments, and soon thereafter the account appeared as paid, and closed. Within 30 days, the status of the full 3 year payment appeared on my credit report, and the account status changed to paid as agreed, never late, and closed. 
I returned the vehicle onetime, and with only XXXX miles on the clock. The car was in perfect condition, without any damages, or scratches to it. Within months after returning the car, and received a call from VW Credit charging me {$800.00} for wear a tear, which include a GPS SIM card, that I was never given at the deanship when I bough the car, and that I put it on notice when picking up the car at the dealership. After some bickering VW Credit called the dealer, and verified my statement, so they remove that charge from the bill, after that, I received another bill from a rim scratch that, it was not there, at the dealer when I returned the car. The dealer reviewed, and provided me with a paper stated that everything was fine, and that the car was returned without any issues. Furthermore, 15 days later, I got a call from VW Credit again telling me that, I owe them a small portion of the lease payment, when in fact, I did not, since I was paying off the account through their website, with a set amount on established by VW credit. To the fact that, after I made the last payment, it changed to paid in full, and it was reported on my credit report, as paid. I explained to them, that it the account was already paid, and closed that I dont owe them any money, but they are adamant to continue the harassment towards me. Somehow, after all this issues, they managed to changed the total amount owed from being {$0.00} on the website, to {$470.00}. I am also certain that they tried to change it on my credit report, but they were not able as according to section 623, of the FCRA, creditors are required to report accurate accounts. Therefore, against the law to change information that has already been reported as " paid in closed, and NEVER LATE '' I have received phone calls at XXXX from time to time from disrespectful VW representatives demanding {$470.00} payment from me after explaining to them, that the account appear to as paid, and closed on my credit report. I have attached 2 pictures taken from my XXXX  credit monitoring service.
Consumer complaint received 2020-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My husband and I have been a victim of identity theft. We have never filed for bankruptcy or had the need to do so. We have been trying to remove these from our report since we first found out 5 to 6 years ago. These accounts on my report and bankruptcies are not mine. Please remove these fraudulent items from my report. 

XXXX  XXXX XXXX  XXXX {$680.00} XXXX/XXXX XXXX   XXXX {$420.00} DEPT OF EDUCATION/XXXX  XXXX {$6000.00} XXXX XXXX XXXX XXXX {$32000.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Consumer complaint received 2020-02-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Paramount GR Holdings, LLC (CO)

On XX/XX/2020 I called the LoanPal customer service requesting a payoff for XX/XX/XXXX. This would allow 8 business days for LoanPal to generate the payoff amount. I was told on the phone I would likely get the payoff on the XXXX or XXXX. On XX/XX/XXXX, after not receiving anything, I called asking about the payoff and was told generally they just get to them as fast as they can. On XX/XX/XXXX I called again ( now past the payoff date requested ) and they said " corporate '' was running behind on getting payoffs out and said at this point my old payoff would be invalid but said they would submit another one. I didn't care to wait another couple weeks of interest accruing for a payoff that may never come so I planned to just make a sizable principal payment hoping the next generated bill would take care of any interest accrued.
Consumer complaint received 2020-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My sister informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX  XXXX XXXX {$6500.00} XXXX XXXX XXXX XXXX {$6700.00} XXXX XXXX XXXX XXXX {$5500.00} XXXX  XXXX  XXXX   XXXX {$96.00}
Consumer complaint received 2020-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southern Management Systems Inc. (TX)

Date : XX/XX/2018 Amount : {$1900.00} I contacted the apartment complex on multiple occasions to get this debt removed from my credit reports, and I didn't get a response. The debt was paid for with my tax refund check and it hasn't been reported to my account.