davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Corporation of America (MI)

Your agencys failure to rebut, answer, respond, to this conditional acceptance upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to XXXX for rebuttal or acquiesce stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. Your agencys failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment created Summary judgment, dated XX/XX/2018. This is Final judgment with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.
Consumer complaint received 2018-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (MI)

I found a collection debt on my reports from XXXX XXXX XXXX. I contacted to validate debt and informed it was sold/ '' now owned '' by a law office local to me and that they could not talk to me any further about the account. Upon contacting the law office I was informed that their was a judgment ( {$870.00} and higher than what was showing on my reports ) against me and they did validate it. I offered to pay in full right away over the phone and documents/everything in writing was prepared saying debt was settled/paid in full. They also stated that a writ of garnishment was sent to my employer, but that they would immediately send out a termination of garnishment letter to my payroll dept. 
Well, a week later I receive a letter from my payroll stating a garnishment will be talking place with other supporting documents of court judgment and local court house I must contact to file an objection. I immediately contacted the court for an objection and my payroll was faxed all my supporting documents to stop this, only to be garnished less than two weeks after I paid. I was also still showing an open account from XXXX XXXX on my credit reports with a higher balance!? I contacted the law office again and they stated it was up to Midland to report to credit agencies and stop my garnishment, but they had sent all paperwork to them? 
I have also disputed my reports with all three agencies and they state that the account in question has been verified as accurate and just " updated '' it which now re-aged the collections account and total debt owed?! 
I have also contacted Midland through their web portal dispute my account that now shows a {$60.00} balance still owed?! They have not responded! 
This is harming me trying to get new rental/home leases!
Consumer complaint received 2018-07-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

I have the money to pay off in full my student loan ( over $ 90K ). I confirmed the entire payoff amount online and via telephone with Navient on XX/XX/2018. They cancelled my direct debit since I set up an electronic transfer which they said may take 3-4 business days. On XX/XX/2018 they sent me an email saying the loan was paid in full and my balance was XXXX. 

Today, on XX/XX/XXXX they sent me an email that I owed {$1400.00}. There was no communication either by phone, email or regular mail until today. I called today and they refused to connect me to a supervisor and claimed many contradictory things. First, that the payment was refused by the bank ( not true ). Second, that they could not " accept '' any payment of more than $ 50k per day ( not true ). Third, that they can only accept a payoff in full via debit or credit care ( not true ). Fourth, that I owe an additional {$62.00} to payoff the loan which is ludicrous since they already sent me notice 11 days ago that the loan was " paid in full ''. 

Worse, when I called this morning, besides lying to me they now claim I can only payoff my loan by electronic transfer ( the original way it was set up ) and " it may take 10 business days ''.

Clearly, this is a scam to extract extra money from those choosing to get rid of their horrible service/company. I have set up the loan pay off ( AGAIN ) and hope that their illegal practices are uncovered so that more innocent people don't get fleeced of their money.
Consumer complaint received 2018-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I was a victim of ID theft and submitted a police report, FTC affidavit and ID theft complaint and other documentation to prove that the information being reported on my report was false and due to someone using my identity but they refused to remove it.
Consumer complaint received 2018-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc. (CA)

On XX/XX/XXXX I mailed a certified letter to Diversified Adjustment Services. This letter was delivered and signed for on XX/XX/XXXX. In  the letter, I was disputing validity of this alleged debt and requested copies of signed contracts. Diversified Adjustment services DID NOT notify the credit bureaus of my dispute within 30 days ( ***You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on XX/XX/XXXX. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. ).
Consumer complaint received 2018-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

On Thursday XX/XX/XXXX I reached out to these bureaus to request that fraudulent accounts and inquiries that are reporting on my credit file be blocked pursuant to section 605B of the Fair Credit Reporting Act. 

They did not remove : XXXX XXXX XXXX, {$980.00}, XX/XX/XXXX. 

I would like to request that these items be block in accordance with section 605B of the Fair Credit Reporting Act.

I would also like to request a copy of the investigation including the company ( s ) they are receiving this fraudulent information from.
Consumer complaint received 2018-07-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NV)

I watched a commercial for Rocket Mortgage on TV and decided to give them a call to get a rate quote to refinance my home loan. I wanted to rate shop before making a decision on which company I would use. The person at Rocket Mortgage who took my call gave me a rate range of low 4 % to mid 5 % and would not give me a more accurate rate unless I applied for a loan which required me to give him my social security number. 

I told the rep that I had an XXXX FICO score, a loan to value of 30 % and had proof of income. I said I don't need an exact rate just a ball park rate. He said he couldn't quote a rate without taking a full application. I said I have bought 10+ homes in my life and I have never had a mortgage bank/company not be able to give me a approximate rate. Having consumer 's have to give a full application and run their credit report unnecessarily is wrong on so many levels. I think that Rocket Mortgage just wants you to complete a full loan application before giving you an approx rate quote so that you will go with them since the application is complete and that is not a fair business practice. 

Call made on XX/XX/XXXX from cell phone # XXXX XXXX XXXX XXXX or XXXX XXXX
Consumer complaint received 2018-07-13
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. (IL)

Earlier this year I found out my personal information was involved in a large data breach from XXXX, and other agencies.I attempted to have the inaccurate information removed but they refused. I submitted police reports and other documents to show the information was not mine, yet they still refused to remove it.
Consumer complaint received 2018-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

XXXX XXXX declined my application for financing the purchase of a new phone solely because I have another account with them. Earlier this year I purchased a XXXX phone using their promotional incentives Even though that account is many months ahead of current. I wish to file a complaint in that it precludes me from taking advantage of the offers otherwise available to XXXX customers including the trade in of my XXXX and the add-ons for the XXXX. 

Moreover, XXXX XXXX has been unresponsive in resolving this issue.
Consumer complaint received 2018-07-16
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. (AL)

I have been mailing and faxing information to the credit bureaus to no avail. There are collection accounts that are appearing on my bill that are not my accounts. There were also false addresses in addition to false inquiries on my credit report. I spoke with representatives from all three bureaus. I followed all of the instructions that were given to me by all 3 bureaus. Which included filing a police report, contacting the creditors, and faxing all of the information to Transunion and XXXX and mailing to Transunion. I did exactly what was told and still the collection accounts, false addresses, and inquiries remain on my accounts. At this point Im extremely upset and do not know exactly what to do.
Consumer complaint received 2018-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (UT)

On XX/XX/XXXX my daughter attempted to buy concert tickets. Without my permission, she made a payment via my chase account and XXXX for {$200.00} to a scammer XXXX XXXX XXXX who never sent her the tickets. When I found out what happened I contacted my bank and made a fraud claim, chase and XXXX refuse to help, they dont even care this is a scam and a legitimate issue this person has been doing for years. So much so you can see here : XXXX XXXX XXXX XXXX XXXX A website dedicated to years of people Being scammed by this person. 
This needs to stop and I need my {$200.00} back, please help. 

They did tell my daughter they used XXXX XXXX XXXX XXXX if that helps too, who I have also reached out to.
Consumer complaint received 2018-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Colony Brands, Inc. (TX)

I opened an account with online retailer XXXX XXXX inXX/XX/XXXX. I paid my bills monthly. In XX/XX/XXXX-XX/XX/XXXX I ordered XXXX decorations. The items were of poor quality so I paid for the return. Multiple customer service representative verified the return but stated all items were not in the package. I wrote multiple letters asking them to check their warehouse and the post office because it was returned. They refuse to give remove the collection item.
Consumer complaint received 2018-07-15
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (NH)

I filed a dispute over my one and only charge I made on this credit card on XX/XX/2017 for {$300.00} ( cost of my insurance deductible ). The dispute was regarding faulty repair services that were received at a dealership ( this is a XXXX credit card ). 

After I filed the detailed dispute ( I also filed a complaint against dealership ), I was told it would be handled and I would receive correspondence. Weeks went by and nothing happened. Via online chat, I inquired about the dispute and was told to continue paying my bill monthly. I did and it's been paid off in full with no balance since. 

I never received any e-mail or postal mail correspondence regarding my dispute from beginning to end. They never did anything at all.
Consumer complaint received 2018-07-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (HI)

On XX/XX/2018, my credit account showed signs of negative activity from a lender whom I never was loaned from, owed or in contact with. The bureau name is Wakefield and Associations, a medical lender. Nothing has been reported to me, I was only able to see this activity from my XXXX XXXX XXXX app that I closely and properly manage. No past payment details have been provided or reported, there is simply no trace of any debt owed to this mysterious lender. There is a balance of {$510.00} owed to said debt collector. I've contacted the company via certified mail, requesting proper documentation and debt validation to prove this is truly my debt. Thank you for your time and help with my case of what I believe to be, fraud.
Consumer complaint received 2018-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (MS)

Between the years of XX/XX/XXXX and XX/XX/XXXX, my parents ( XXXX and XXXX XXXX XXXX : address XXXX XXXX XXXX XXXX, GA ) ( the police report upload has it a few items mistaken like the name on it has XXXX not XXXX ) took out many student loans under my name without my permission with themselves as co-signers. The disturbing part is the fact that the XXXX has paid for my entire schooling and I have proof of that. I had contacted all of the credit bureaus ( Experian, XXXX, XXXX, etc. ) to let them know what had happened with a police report and proof. But they are still reporting the student loans with incomplete/omitted information, that is bottom line fraudulent. Also after contacting them discovered that they were not keeping up with the right information anyway, like my home address. And if it was changed, my parents did so by using the return address on the gifts I would send my baby brother, never by me. They never tried to do research to find the paper trail, because if they did they saw the paper trail they wouldve seen that the money went into their private accounts and never used for school. The companies that Ive found so far are as follows ( all amounts are approximate ) : 1 ) XXXX/XXXX- {$3400.00} 2 ) XXXX XXXX XXXX- {$10000.00} 3 ) XXXX XXXX- {$17000.00} 4 ) XXXX XXXX XXXX- {$16000.00} 5 ) XXXX XXXX XXXX- {$10000.00} 6 ) XXXX XXXX- {$3400.00}
Consumer complaint received 2018-07-15
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: Bread Financial Holdings, Inc. (FL)

I have contacted Commenity Bank on several occasions. There are several fraudulent accounts in my name from this company. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX  XXXX. I spoke to a representative several months back and told them these are not my accounts and neither myself or my spouse open these accounts. They have removed one of the accounts stating after there investigation this was not mine. They did not address or remove the other accounts. I told them I would press charges and fully cooperate if necessary. My wife and I received harassing phone call daily. Not only is this stressful but aggravating. They have reach to other family members to get in contact with me. These are not my accounts and want the harassment to stop.
Consumer complaint received 2018-07-16
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. (MO)

The 3 credit reporting agencies are continuing to report these accounts as accurate but they not. I have no knowledge of these accounts and asking that they be blocked from my report. And/ or I'm asking for PHYSICAL documentation of these accounts, XXXX XXXX for {$52.00}, {$56.00}, {$52.00}, XXXX XXXX XXXX {$880.00}, XXXX XXXX XXXX {$1000.00}, XXXX XXXX, XXXX XXXX
Consumer complaint received 2018-07-14
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: CITIBANK, N.A. (PA)

I had a promotional credit balance for interest free for 18 mos wihich is about to expire and I have a deferred interest of XXXX that I will be charged. The original charge was for XXXX and in the 18 months I have been paying-for many months I paid over the minimum amount-only XXXX has been deducted. Approximately XXXX of that was just deducted in the past month. This is only benefiting the company not the consumer. I pay my bills online and there was never an option to allocate the money to the promotional balance. The unreasonable expectation is that the customer calls every month to wait on hold and speak to someone to properly allocate the payment. I was advised the only way to remedy the situation was to pay the remaining promotional balance by XX/XX/XXXX in the amount of XXXX, which I am unable to do.
Consumer complaint received 2018-07-16
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: Experian Information Solutions Inc. (MO)

The credit reporting agencies are continuing to report these accounts inwhich has not been physically verified but only told by an agent of the company that the account is mines, however according to FCRA, them accounts need to physically verified and the consumer needs copies of such documentation.
Consumer complaint received 2018-07-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION (FL)

BB & T Bank has charged me the following overdraft fees and fees to my account : On XX/XX/2018, they charged me {$36.00} in overdraft fees. 
On XX/XX/2018, they charged me {$36.00} in overdraft fees. 
On XX/XX/2018, they charged me {$36.00} in overdraft fees. 
On XX/XX/2018, they charged me {$36.00} in overdraft fees. 
On XX/XX/2018, they charged me {$100.00} in overdraft fees. 
On XX/XX/2018, they charged me a {$15.00} ACH Transfer Fee. 
On XX/XX/2018, they charge me {$35.00} in " Service Charges ''. 

BB & T is engaging in flagrant and abusive overdraft fee and other charges, which is keeping my account balance low. They are also holding the smaller purchases so that they can keep adding more overdraft charges. Between XX/XX/2018 and XX/XX/2018, BB & T Bank has charged me {$300.00} in overdraft fees and other transfer fee and service charges. BB & T is intentionally adding overdraft fee charges to my account to make more money from my bank account. BB & T is abusing the overdraft fee charges. They are not doing me a favor by adding excessive overdraft fee charges to my account, and instead they are intentionally adding overdraft fee charges to keep my account low and to make more money from my account. I called their customer service and they said they couldn't help me. I also called their " executive phone number '' and they did absolutely nothing for me.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRUIST FINANCIAL CORPORATION (NY)

Hi my name is XXXX XXXX. I have noticed unauthorized hard inquiries on my account from Regional Acceptance on dates XX/XX/2023 & XX/XX/2023. Please remove immediately
Consumer complaint received 2018-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2018, XXXX made an inquiry into my TRANSUNION file without my authorization or knowledge. XXXX has acknowledged that a fraudulent application for credit was submitted using my personal information, they contacted me when they caught that it was fraudulent, and agreed to delete their unauthorized inquiry but have failed/refused to do so.
Consumer complaint received 2018-07-15
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. (SC)

Sometime between XX/XX/XXXX - XX/XX/XXXX, someone fraudulently used my name and SSN but an address in Illinois ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) to open a charge account ending in XXXX with a {$1000.00} credit limit at a XXXX XXXX store in New York state and immediately charge {$950.00} in charges on that account ( {$540.00} for an air conditioner and at least one other charge for {$400.00} ). I have never lived in Illinois, was not in New York state in XXXX and did NOT open this account -- I am a victim of identity theft. I subsequently learned the name of a person who lives/lived ( the house at XXXX XXXX XXXX XXXX in XXXX is apparently for sale ) at the address given on the fraudulent charge application also works -- you guessed it -- as a a contract employee in XXXX, NY! I have been in contact with XXXX 's ( they handle the credit cards for The XXXX XXXX ) fraud division but have been told they may take up to 90 days to investigate this issue even though I sent them the FTC document regarding the " Obligations of Furnishers under the FCRA ''. I have also sent  them the police report regarding this crime, the FTC " Identity Theft Report '' and proof of my identity and address. The person who made these purchases using the account s/he fraudulently opened using my personal information can not be expected to pay for them and I do not want their fraud to impact my credit score.