davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-19
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I voluntarily froze my Transunion credit report in XXXX 2015. I lifted the credit freeze on XXXX XXXX, 2015 providing all information including the PIN and received a confirmation from Transunion Credit Security Freeze regarding lifting the freeze. The fee for this Transunion service was processed and accepted by my credit card. On XXXX XXXX, 2015 my credit was checked through Transunion by a company that is doing a credit background check. The check is for an apartment lease. Afterwards this company reported back to me that my credit report was still frozen and could not access it according to their Transunion representative. The company tried rerunning my credit numerous times afterwards and the last time being today, XXXX XXXX, 2015, without success. I contacted Transunion Customer Service, and they stated that I needed to contact Transunion Credit Security Freeze and repeat the lifting of the freeze until the freeze was lifted. I called Transunion Fraud Alert getting the number from Transunion Customer Service earlier today, XXXX XXXX, 2015, and Transunion Fraud Alert stated that the credit freeze was lifted on XXXX XXXX, 2015. Also earlier today, XXXX XXXX, 2015, the Transunion representative for the company checking my credit, stated that the company is to continue to check my credit every day until it works. Bottom line, Transunion has destroyed my credit because of their inability to release my information. I hope this major problem is fixed immediately.
Consumer complaint received 2015-05-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

I received a XXXX Fraud Alerts email on XXXX XXXX, 2015 asking if I had made a purchase for my XXXX XXXX account in Florida that day. I contacted the bank, they stopped the payment and issued me a new credit card. I changed my passwords and upped my security. Two months later, when using XXXX XXXX again, I noticed another person 's name and number on my account. I contacted XXXX and they advised me to file a police report. I went to the XXXX Police Dept and filed an identity theft case on XXXX/XXXX/15. They advised me to run a credit report and see if my credit was affected. When I ran the report on Experian, I noticed a XXXX credit card open in my name with a balance of over {$4000.00}. Only the first XXXX numbers of the account were visible and I do not recognize them. I called XXXX Fraud hotline yesterday to inquire and they informed me this is connected to an account that is either closed, purged, or deleted. I told them that I have never closed an account with a balance on it, and furthermore, the recent transactions on this credit report item indicate that there are monthly payments being made, and the balance has XXXX risen and fallen during different months between XXXX and XXXX of this year. I am concerned that there is an apparently active account in my name that XXXX is denying its existence. I do n't know if this is a rogue banker, a computer error, or a systematic problem similar to what XXXX recently discovered and filed against XXXX XXXX?
Consumer complaint received 2015-04-17
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: EXPERT GLOBAL SOLUTIONS, INC. (SC)

EGS Collections, used data mining to find relatives and in laws, and called them, and informed them that I had a civil action against me for bad debts, ( all False ). After I communicated to them ( EGS ) That I had an Attorney, to discontinue calls they continue to call my employer, my wifes employer and her family giving them false information.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

RE : XXXX complaint I have already sent information, directions, and XXXX XXXX XXXXXXXX XXXX Fiduciary duties to correct the XXXX ( XXXX XXXX XXXX XXXX XXXX Beneficiary XXXX and all-caps cestui que trust name XXXX XXXX that need to show in the system when addressing the Cestui Que Trust Account with the correct information on the letter. This is a follow-up complaint since I have been getting letters from XXXX XXXX XXXX they need information they have in their system already.
Consumer complaint received 2024-09-25
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Penn Credit Corporation (GA)

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : PENN CREDIT CORPORAT Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm a victim of identity theft. An identity thief exploited my personal information without my authorization to open an account with XXXX XXXX. This is not my debt. I've attached confirmation of my identification and a copy of my FTC identification Theft Report. Also a Police Report. 
In compliance with the Fair Debt Collection Practices Act, I request that you halt collection proceedings against me and stop communication with me about this debt, except as permitted by the Fair Credit Reporting Act. I further ask that you notify XXXX XXXXand explain that the debt is the product of identity theft. 
I've enclosed a copy of the Consumer Financial Protection Bureau 's Notice to Information Furnishers. It clarifies your obligations under the Fair Credit Reporting Act ( FCRA ). The FCRA requires debt collectors to provide an identity theft victim with account-related documentation if the victim requests them. Please send me copies of all records associated with the account, including : Account applications are submitted on paper, online, or via phone. 
Account statement or invoice Records of payment or charge slips Delivery addresses associated with the account.

Records of phone numbers used to activate or access the account. 
Signatures for applications and accounts Investigators report. 
Please send me a letter describing what you did to : Inform XXXX XXXXthat the debt is due to identity theft. 
Stop the collection proceedings against me. 
Stop sending information about the debt to credit reporting agencies. 
Please provide me with the records I seek. 
I appreciate your cooperation. 
Sincerely, XXXX XXXX XXXX  Enclosures : POLICE REPORT. 
Identity Theft Report.

CREDIT REPORT.

For proof of identity, go to the CFPB 's Notice to Information Furnishers [ PDF ].
Consumer complaint received 2015-05-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Weltman, Weinberg & Reis Co., L.P.A. (CA)

I 'm the co-signer on my son 's student loan. He took it our while he was attending XXXX XXXX in 2008. Apparently, the holder sold the loan to another collection agency that is repeatedly attempting to contact me by phone. ( I told the previous holder to only contact me my mail, NOT by phone. ) More importantly, my son got a forbearance on this loan because he became a XXXX student. ( At XXXX XXXX XXXX College in XXXX, VA. This group continued to pursue despite this and also told me that my information was " wrong '' and that my son " must have taken out more than XXXX loan ''. This is false. They 're using lies and intimidation. I told them not to call me again ( especially on my business line ) and that I will report them to CFPB. I do n't think that they are legitimate.
Consumer complaint received 2024-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (PA)

Opened a Chase credit card to do a balance transfer due to the 0 % APR, from my XXXX XXXX card. XXXX  XXXX refunded the balance transfer, and Chase never accepted the refund. Now I owe a balance for both cards. I spoke to both companies customer service and XXXX XXXX said they sent the refunded and there was nothing more they could do. Chase, however says they never got a refunded. They told me to wait the entire 30 days before calling back. In that time period, I am being charged a balance when I should not owe them anything. This has been an ongoing process since XX/XX/XXXX.
Consumer complaint received 2015-04-17
Product: Credit card — 
Issue: Billing disputes — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I once had a credit card with Fifth Third bank, which was closed bank in XX/XX/XXXX. In XX/XX/XXXX a charge that was stored on an online account automatically tried charging the card for the renewed subscription. Instead of Fifth Third bank declining the transaction they reopened my closed credit card without my permission. Finally, after three months of not contacting me via phone, email, or mail, I received a letter in the mail saying I owed the charge of {$77.00} ( for the service ) and an extra {$100.00} for late fees. After countless hours on the phone with them, they acknowledged my credit card was closed and they reopened it. I offered to pay the initial {$77.00} fee if they would waive the late fee for not informing me, or without reopening it without my permission. They said they would look into the dispute into a better solution. After about another month they sent back a letter saying the dispute was denied and I owed the entire fee. When I called back to ask how it could have been denied, since they reopened a closed account, they said the 120 day period has passed and there is nothing they could do about it. I have since discarded the credit card because I had no use for it after I had closed the account in XX/XX/XXXX.
Consumer complaint received 2015-05-19
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: FORD MOTOR CREDIT CO. (NY)

From the Desk of XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX Email : XXXXXXXXXXXX XXXXTo Whom It May Concern, I am writing this letter in the hopes that you will help me with this unfair and overwhelmingSituation that I find myself in. I believe now that these original consumer lease agreement that was granted to me by Ford Credit Company was illegal and violated my rights as a consumer. I will list below some of the issues and facts that are the most obvious and reference. 

The Ford Dealer and the Company Ford Credit discriminate me by my national origins offer me XXXX flipped loans with terms that are less favorable, like a higher interest rate. 
The company flipped my cars 3 times and the last time it was a lease .I got a Ford Explorer XXXX for 24 months lease terms. 
The payments were very high at the end of my Lease after 24 months Ford Credit told me that I have 36 months. I asked them that it was not what I signed it in the Ford Dealer. 
The Ford dealer closed it. Now Ford Credit has those Predatory Lending contract with the 12 months added by the dealer that now it is not in Business for fraud and malpractices. The Dealer represents Ford Company as a Franchise. Ford Credit has the predatory lending contracts. I am paying for every month to Ford Credit, not to the Dealer. 
The company offer me in market the same car a Ford Explorer with a lease for 24 months for {$220.00} per month. My lease was 24 month for {$470.00} per month and also the Ford Dealer and Ford Credit added another year.I am paying almost XXXX around 50 % interest compare with the prices in the market. 
It looks to me like a Predatory Lending in a car lease and flipping of Car Loans. 
I need the reimbursement me for the high interests that I did pay already for my lease. 
I need assistance from the Financial protection Bureau to stop the harassment, abuse and stop the treats of legal retaliation in my credit report. The Lease is over paid. 
Best Regards, XXXX XXXX
Consumer complaint received 2015-12-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Services, Inc. (OH)

Collection Services Inc. has been reporting debts to the credit reporting agencies that I have no knowledge of. And when XXXX of the XXXX finally fell off my report due to the age of it, they re-aged the debt and it showed up on my report again. This re-insertion caused my credit score to drop over XXXX points They supposedly verified the debts with the credit reporting agencies, but did not supply me with any proof that the debts are mine.
Consumer complaint received 2024-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (IN)

On XX/XX/2024, I received a Citi credit card in the mail that I did not sign up for. I requested that the card be canceled as I did not sign up for the card. In the beginning, the reps were questioning me and asked me several times if I was sure I didn't sign up for the card -- why would I sign up for a card that I don't want? The said they would cancel the card and would handle contacting the credit bureaus. I asked for a confirmation or reference number and they would not give me one, so I have not way to verify that they are really canceling or contacted the credit bureaus on my behalf. They said it was a security risk to give me a reference number.
Consumer complaint received 2015-05-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (CA)

Hi, I am trying to get CitiMortgage to remove my property tax impounds. I believe law states if Loan To Value is less than 80 % it is not required. I chose to have impounds when I XXXX bought the home XXXX years ago. The value then and now ( even with California XXXX XXXX property tax assessor valuation ) is higher and at {$500000.00} +. My balance is {$370000.00} for an XXXX of approx. 75 %. They keep making up new rules each time I have called them. I 've tried about XXXX times in the last XXXX months and it 's always some different rule. Newest XXXX it is based on the value of the property or original loan balance XXXX {$390000.00}, I put 20 % down ) whichever is less, so it makes it 94 % ..??? I asked where was this disclosed on any of the documentation, she said it is not and an internal rule. I said I did n't agree to this and it was not informed nor in writing within any documentation of this loan. I feel they have taking advantage of consumers and they over estimated my impounds. It almost seems they want to keep this money for other illegal reasons, to keep their company liquid, because they are trying so hard with invalid reasons to keep this money. Based on California Impound information I read about as well as RESPA, I feel this is a possible class action lawsuit issue. Please advise. 
Thank you.
Consumer complaint received 2015-05-19
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (LA)

I was sent a check in the mail to get cashed to pay bills for someone. The check was accepted through my bank til 3 days later it came back as a fraud check. I did not realized that the check was a fraud check until after I withdrawal the money and sent it off.
Consumer complaint received 2015-05-19
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC (NY)

I had a condo in the XXXX units complex which was burned down 3 years ago including the entire complex. 
By the time of the fire my outstanding mortgage was {$25000.00}. I had the home owner insurance and after the fire the insurance company sent me a check for {$25000.00} which I sent to the mortgage company. They applied this amount toward the interest and other fees and the remaining to my principal which left me with outstanding balance of {$12000.00}. XXXX years ago, the mortgage company put a foreclose on this property, but they never completed the foreclose process because there is nothing to take. I 'm stuck in this status which ruins my cred history. I spoke with the mortgage company so many times, but the loan owns by Fannie Mae and they do n't want to settle my case or forgive the remaining balance. What should I do and how can I complete the foreclose process and start to recover my credit history? 
Property Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Consumer complaint received 2015-05-19
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: American Financial Resources, Inc. (WA)

In XXXX XXXX I refinanced my manufactured home with acreage through American Financial Resources , Inc . This mortgage agreement stated that my payment would be {$1100.00}. In XXXX XXXX the papers were assigned to XXXX XXXX, XXXX which also states that my payment will be {$1100.00} will be due beginning XXXX/XXXX/XXXX. I then receive another XXXX dated XXXX/XXXX/XXXX stating that I have a new payment beginning {$1000.00}. My last XXXX dated XXXX/XXXX/XXXX was actually a closeout statement as American Financial had reassigned my papers to XXXX, XXXX. I was informed in a letters from XXXX and American Financial Resources that this reassignment was to be completed XXXX XXXX, XXXX. My payments were to stay the same. All along I have paid an amount of {$1200.00} trying to decrease the balances ( P & I and/or Escrow ). If I had an emergency ( which happened in XXXX XXXX ) I would have a little extra in the budget to pay for the emergency. I then received an XXXX from AFR dated XX/XX/XXXX stating that I have a shortage of {$1200.00} and they want the money by XXXX/XXXX/XXXX or my payment beginning XXXX/XXXX/XXXX will increase to {$1200.00}. This most recent statement shows negative balances beginning XXXX XXXX. It would have been much easier for me if I would have known about it sooner.
Consumer complaint received 2015-05-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: SRA Associates, Inc. (NJ)

I have been having health issues and while I, XXXX XXXX, was in the hospital XXXX bank charged-off my loan to a XXXX-party debt collector. SRA in Hi-XXXX, NJ on XXXX/XXXX/2015. On XXXX/XXXX/2015 my Co-Signer received a call regarding the loan and was offered a XXXX settlement. I then called back to get information about the loan and physical address of the agency when the Manager XXXX XXXX, kept talking in circles telling me I was only allowed to have the physical address if I was disputing the Debt. At this point I had not even received a validation of debt letter and asked for said letter as well as a breakdown of my balance, I was interrupted multiple times as well as I was told I MUST make a payment within the month of XXXX, which does n't even give me a full 30 days to receive the information to even dispute of part of the balance since I did n't know how a XXXX loan that I was previously paying before I got sick, became {$26000.00}. The agent I spoke to previously to manager could n't tell me what the interst rate was either, stating that it was " about {$3.00} '' per day. The agent, XXXX XXXX, was n't able to offer me a payment plan option either. When i spoke to the manager I was only offered the balance over 6 months ( about XXXX ) each month or a settlement of XXXX. Refusing to be upright and honest about what my options even were and leaving me more confused than when the conversation started. I also asked that they did not call the cell phones on the account but he refused to even tell me the cell contact numbers he had, instead i stated the only good contact number for me and the co-signer was the landline XXXX. I was under the impression i was going to be dealing with the creditor XXXX about this who i was trying to work with for payments and now i feel even more hopeless because this collection agency wo n't be upfront with me.
Consumer complaint received 2015-05-19
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (WA)

I have been representing a homeowner trying to do a short sale with CHASE bank and has an FHA loan associated with the short sale. Chase has this short sale set up to work out through a website called XXXX. I have been messaging the negotiator, the account manager, thier supervisors and everyone else that is associated with the file. After several weeks of being ignored, I have made several attempts to call into the Short Sale dept and ask for someone to respond to my requests as far as if our short sale package was sent to the investor for approval. Not XXXX person will or has responded to my requests. They are actually XXXX my file and not speaking to me or trying to help our seller in making sure that they are being represented properly in this short sale. I have tried just about everything to get them to respond to us in writing on what the status is on our file and can not get anyone to do that. This is ridiculous! Our file has been there since XXXX!
Consumer complaint received 2015-05-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Stellar Recovery, Inc. (GA)

I was not made aware of a debt before it was reported to the credit bureaus by Stellar Recovery Inc . The collection on the report states its a {$36.00} debt. It also states the original debt is from XX/XX/XXXX and says date opened XXXX/XXXX/XXXX, but did not appear on my report until XX/XX/XXXX. Had I not have had a credit monitoring service, I would have not known this debt even existed. I contacted the original company who the debt is said to be owed to. They told me that they had no record of this debt. I am requesting the information to be deleted from my report.
Consumer complaint received 2015-05-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

Our 2nd mtg was late in XXXX 2006, because this is over 7 years it should be removed from our credit reports. The 2nd mtg was sold several times. The first account with XXXX is the acct that was late in 2006 and then when it was sold back to them it had a new account number but they are deleting the account. See attached documents
Consumer complaint received 2015-05-19
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

We have been trying to modify our loan after our hardship and have submitted documents to the america 's Servicing bank several time for several years and the bank never sent a resolution to our request. I was told by the services that our loan was in review the last time in 2011 but We never received a denial letter or a request for more documentation. Despite that, we have continue to contact the bank and sent modification packages with no response. We found out today that our house has been foreclosure back to America 's Servicing Co. And we do n't know how to proceed. With no place to take our family and not knowing what to expect.
Consumer complaint received 2024-11-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion received my dispute letter on XX/XX/year>, requesting corrections to my credit report. They were required by law to respond within 30 days, which expired on XX/XX/year>. I sent a 15-day follow-up on XX/XX/year>, and a final demand on XX/XX/year>, yet TransUnion failed to respond . Additionally, they repeatedly sent correspondence to an incorrect address despite clear instructions to send all communications via certified mail to my correct address. This negligent handling of my personal information has caused severe XXXX  and risk of identity theft, violating my rights under the FCRA.