davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: First National Collection Bureau, Inc. (CA)

I was called on my cell phone by First National Debt inc. and was told I owed {$210.00} for a debt incurred XX/XX/XXXX while I was in XXXX. The debt was never resolved because by the time I returned home from XXXX and found out about the debt XXXX XXXX was no longer a bank or it moved or something. The website was down and the number was just a recording then I find out that XXXX XXXX was bought by another bank and this debt came from XX/XX/XXXX or XX/XX/XXXX. I was XXXX XX/XX/XXXX and in XXXX XX/XX/XXXX. This debt is nine years old.
Consumer complaint received 2015-11-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: High Point Asset Inc (CA)

For the past month, I have been harassed over the phone by callers claiming to be from a company called Highpoint Asset. They claim they 're trying to collect a payday loan debt, but they have refused to provide me with a debt validation letter or any information about the original debt by mail. ( I took out some payday loans about 3 years ago, but those loans were all paid in full. ) On XXXX/XXXX/15 and XXXX/XXXX/15, I spoke with a representative who stated his name was " XXXX. '' He told me that he would mail written verification of the debt to me and I would receive it within 3-5 days ; I have never received it. He threatened me with legal action if I did not pay. The numbers that these callers have been calling from are : XXXX, XXXX, XXXX, and XXXX. The callers have also been calling my wife 's and my daughter 's cellphones, my sister-in-law 's cellphone, and my nephew 's cellphone. My wife has attempted to answer these calls to her cellphone, but when she is put on hold to speak with a representative, the phone is disconnected after about 1-2 minutes, so she has never been able to speak with an actual person. When I spoke with " XXXX '' on XXXX/XXXX/15, I told him to stop calling my wife 's and daughter 's cellphone numbers, and he stated that their phone numbers would be taken off my information ; however, my wife and daughter continued to get calls at least twice a day. When I spoke with " XXXX '' again on XXXX/XXXX/15, I told him that my wife and daughter were still getting phone calls, and he again said that their phone numbers would be taken off ; to this day, my wife and daughter continue to get phone calls on their cellphones. My family members and I have been receiving calls 1-2 times every day. My wife looked up the phone numbers that have been calling us, and was directed to public forum websites where numerous people have stated this company runs a payday loan scam. On XXXX of the forums, a person who said he was also harassed by Highpoint Asset stated that he researched the company and found an address for them : XXXX XXXX XXXX, XXXX, NY XXXX. He also stated that this address is the main business address for another company called XXXX XXXX , XXXX We have been informed that that XXXX XXXX has refused to provide any of their requisite operating information to the XXXX.
Consumer complaint received 2016-12-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HANCOCK WHITNEY BANK (LA)

I made a deposit through the ATM of XXXX. There were NO signs indicating a deposit delay on the machine itself or on the screen. My deposit was accepted of {$75.00}. The deposit was not posted to my account until XXXX days later. I was not given credit for the first {$200.00} of the deposit, AND I was assessed NSF charges on the account. I contacted bank personnel concerning the matter and nothing has happened as a result.
Consumer complaint received 2019-11-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (PA)

I am the Successor of Interest on a Freedom Mortgage acct # XXXX, of Mr. XXXX XXXX who died 0n XXXX XXXX. I have filled out 19 modification packages, been to court 14 times, requested mortgage forgiveness ( mortgage debt relief of 2008 ). 
My request was declined and then I was offered a traditional modification on XX/XX/XXXX. I called and spoke to representative to inform them that the offer was too high and more than the previous payment. The representative told me that if I did not sign that my house would be sold on XX/XX/XXXX in a sheriff sale. I signed document and was prepared to pay the 1st mortgage on XX/XX/XXXX Fives days prior ; I received a phone call from Freedom Mortgage assumption department informing me that they could not modify without a copy of recorded deed in my name. In previous attempts I was denied from office of recorder because I did not have " Letters of Administration '' ( although I have performed every duty of Administrator. Recently I filed a " petition to show cause '' for Letters and was GRANTED a hearing for XX/XX/XXXX. 
The Mortgage company has now filed paperwork to " Reassess '' damages and is now stating that there is over {$240000.00} owed by the " Estate of XXXX XXXX for this property that was only originally valued at XXXX. My house is scheduled for Sheriff Sale on XX/XX/XXXX. I am confident that the Office of the Register of Wills will give me " Letters upon the conclusion of our hearing on XXXX XXXX. I believe that Freedom Mortgage has infringed upon my rights as Successor in Interest according to the new law implemented in April 2018 by your agency ; regarding the treatment of Successor in Interest. I am seeking relief from this enormous debt which could have been avoided if Freedom Mortgage would have honored the FIRST letter ( dated XX/XX/XXXX ) acknowledging me as the " Successor in Interest ''. Please Help. 
MY CASE NUMBER IS XXXX. My phone number is XXXX. 
My email address is : XXXX Respectfully, XXXX XXXX
Consumer complaint received 2019-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (WA)

I called the US Bank Credit card number on XX/XX/2019 to see about lowering my interest rate ( now north of 23 % ). I asked them if they would change my card to a platinum card instead of a travel rewards, that way they can still make money and I save some. The usurious rate that they are charging should be illegal. 23 % I so much that I couldnt possibly dent it properly. Im not asking them to close the card, Im asking them to not charge an arm and a leg, specially when rates right now are so low. It seems completely abusive and I believe the cfpb needs to be made aware of that these big banks are doing to their regular consumers. They said no. That there was no invitation for me to lower my rate right now. I explained how it would be smart to do this cause I could get a balance transfer and terminate my relationship with them. They still said no. They will charge me 23.99 % on a {$14000.00} balance. Which is fantastic for them! They keep this up Im positive they will be the new XXXX XXXX.
Consumer complaint received 2019-11-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Attached please find a second copy of my FTC Identity Theft Report which I mailed to all three credit bureaus and emailed to Bank of America on XX/XX/XXXX after being advised by the FTC to submit it along with copies of my driver license, social security card and most recent utility bill with a letter that outlined these same accounts which I attached. The accounts are Bank of America acct no. XXXX and account no. XXXX. After speaking to the FTC again today after receiving a report with the accounts still listed I was directed by the FTC to file another complaint. The FTC directed me to a section of their website called Knowing My Rights ( attached ) under subheading pertaining to credit bureaus which states : Get credit bureaus to remove fraudulent information from your credit report. This is called blocking. You must send them a copy of your FTC Identity Theft Report, proof of your identity, and a letter stating which information is fraudulent. Then the credit bureau must tell the relevant creditor that someone stole your identity. Creditors can not turn fraudulent debts over to debt collectors. I am attaching. I have done this and mailed this information on XX/XX/XXXX the credit bureaus are ignoring it. I have also sent My FTC Identity Theft Report directly to Bank of America. Under the FTC section Knowing Your Rights, Communicating With Creditors it states : Stop creditors and debt collectors from reporting fraudulent accounts. After you give them a copy of a valid FTC Identity Theft Report, they may not report fraudulent accounts to the credit reporting companies. Apparently neither the credit bureaus and Bank of America are ignoring the Federal Law and continuing to report fraudulent accounts. According to what I have been told by the credit bureaus and by the FTC Bank of America will not remove these accounts because XXXX and his XXXX friends linked these accounts to the only account I had which was my checking account and made payments until XX/XX/XXXXat which time he was caught by a XXXX County Sheriff ( 2 reports attached ) and dumped. Also noted on my FTC Identity Theft Report is fraud with Bank of America dating back to XX/XX/XXXXwhen my purse was stolen in XXXX XXXX, and closed down and a new checking account opened in person in XXXX, Texas. There were no credit card accounts. 

Please remove these accounts.
Consumer complaint received 2019-11-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (NJ)

On XX/XX/XXXX someone must have put an electricity bill in my name. I lived in a 2 family home and I was completely unaware of the bill. XXXX XXXX XXXX says that I owe them {$770.00}. And it went into collections with CONVERGENT OUTSOURCING. When I tried to dispute this case in XX/XX/XXXXthey said that all of the information matched but I was still unaware of the bill until recently a few years ago receiving a bill at my at my current address. I tired to explain this to the collection agency but they didnt care, they said all the information matched. Yes the information matched but I was unaware that someone stole my identity and opened a Electric bill in my name. It isnt fair that I have to suffer because someone stole my information.
Consumer complaint received 2019-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: FREEDOM FINANCIAL NETWORK (FL)

I enrolled in Freedom Debt Relief I have called them several times asking them to remove me from the program and they do not do so. Every time I call I get a different story. The last call was on XX/XX/2019 spoke to someone in leadership who told me that if they closed my account with them they would keep the {$1400.00} that is in my account. Because I owned them {$2900.00} from a settlement negotiation that they had done with XXXX XXXX this is not true the settlement was done by the Attorneys from XXXX XXXX XXXX XXXX. I am paying the settlement directly to XXXX XXXX Freedom Debt relief has not done anything with regard to XXXX XXXX. They currently pay for two settled accounts which they have already collected there fees and they refuse to cancel my account and refuse to return my money. I have any and all required documentation to this regard and they also record all conversations which can clearly proof what I am saying. I have the names and dates of all of the persons that I have spoken with in Freedom Debit Relief these calls and emails go back to XX/XX/2019 and they still have not done anything to resolve this issue.
Consumer complaint received 2017-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX a non Chase ATM withdrawal was made for XXXX $ with additional XXXX $ fee plus another XXXX non chase atm fee was made without my knowledge. On XXXX XXXX i made a check deposit when i first became aware of that ATM withdrawal in addition to another new XXXX $ non chase ATM withdrawal with again XXXX fee plus another XXXX non chase atm fee. Both ATM transactions were not made by me. Nor did my debit card leave my possession. There was an address listed for one of the ATMs used on XXXX XXXX in an area i havent been to or around in years so i knew immediately something bad happened. I contacted the bank in store on XXXX XXXX and was immediately calmed and taken care of. In a few short days they credited my account back both amounts including the fees. I was extremely grateful and received a new debit card. I even had a really good idea where the credit card info had been taken from and passed that info along. i was sure it had been taken from a local taco truck that used a portable credit card scanner in which i punched in my pin number. Combining this info with the address of at least one of the ATMs i hoped maybe someone would even be caught. Much to my dismay and utter panic on XXXX XXXX both transactions were reversed and taken back out of my account. i felt as if i was robbed for a second time as i had been spending as if the money was there. i was devastated and called Chase where the informed me, Sorry the pin number was correct and both ATMs were within a certain mile range from my house so despite my claim they denied it and confiscated the money. This money is extremely important to me and losing it was crushing to me. I tried to escalate the matter with the claim department which led nowhere. i also went into a branch where the lady called and said they would re review the matter. Now a week later and they arent putting the money back. I provided them with good detail what i believed happened and the ATMs were listed on the statement. I feel extremely violated and discriminated against because i obviously dont have the money to fight Chase on this matter and they dont seem to care about me as a customer. I am heartbroken i 'm considered a liar and/or a thief. Neither of which is true. I beg you to please help seek a fair resolution to this matter and hope for another reversal of this claim. Thank you for your time and i am willing to provide or help in any way.
Consumer complaint received 2017-07-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I have a current line of credit with SLS and the loan comes up due on   XX/XX/XXXX  as ballo on payment of {$330000.00}. I called them and asked if this loan can be refinanced or term can be extended or whatever it takes to continue my payments, they said to apply, I did and they denied my application because the investor will not work with me and either I have to pay the full balance of {$320000.00} or sell my house. I am retired and this is the only home I have, I am not able to refinance the loan because o f 2 reasons, one I a m on fixed income and the bank will not give me a loan and second, I dont have enough equity to refinance the loan. As I mentioned earlier, my husband and I have lived her most our lives and are retired couple, we have always made our payments on time and we are current on both of our loans. All I am asking for is for them to allow me to continue making payments on the loan.
Consumer complaint received 2015-07-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (CA)

Equifax has reported XXXX x Hard Inquiries by the same company on my credit within a 30-day period ( XXXX was XX/XX/2014 and one was XX/XX/2014 ). Experian and Transunion had the same information on my credit and once I called them, they both removed the XXXX hard Inquiry due to the fact that if there are XXXX Inquiries by the same company within a 30day period, it should only count as XXXX. I was told by both XXXX and XXXX that this is a regulation put in place and all XXXX credit agencies abide by the same rules but when I called Equifax, they said that within 30-days means it has to be in the same Calendar month and not actually within a 30-day period. The XXXX people I have contacted both spoke somewhat broken English and when I tried to explain to them that within a month means within a XXXX day period and not actually the same calendar month, I was told that I 'm wrong ( even though the other XXXX agencies agreed with me and removed the Inquiry ) and that unless its in the same calendar month they wont remove it for me. I have called them several times and spoke to XXXX different supervisors and they both refuse to help me with this. Is there anything you can do to help me? I was told by both other agencies that I was correct and the XXXX Inquiry was removed immediately. 

Thank you in Advance
Consumer complaint received 2019-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been with Bank Of America for over 12 years. I have never had an issue with fraud till now. On XX/XX/XXXX, i had {$1400.00} taken out of the ATM. During the time of the incident i was at work 25 miles away from where the money was taken out. I have shown proof that i was no where near the area where the money was taken out. I have proved my work work schedule, email screen shots, my phone location throughout the day, and also written statements from co workers showing i was work the entire time. My original claim was denied within a week, and on the XX/XX/XXXX i reopened the claim and waited until XXXX.19 to hear back, that is almost THREE months, and they denied my claim again. They never reached out to me ONCE, and every time i called in, there was no update, only just that the bank was doing more research.I trusted BOA to protect me when something happens, but it feels like im the one fighting my bank to get my own money back. I have provided numerous documents and BOA has proved me nothing but a wave off. they have VIDEO of this happening, they KNOW what i look like, so its very CLEAR that it was not me who pulled out the money! I have also thrown had my old debit card thrown away and have requested BOA text alert me before any major withdrawals are made in the future. If this claim does not get resolved, i will lose all faith in BOA and will for SURE change banks and take my business elsewhere
Consumer complaint received 2019-11-07
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2017-06-13
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. (CA)

The college I was attending abruptly closed and went out of business. The reason I was told they closed was because they were mishandling student loan monies from the students that were enrolled. They ended up filing for bankruptcy. I was enrolled in that college for 2 years and they kept every penny of the federal loans I applied for. I never had a chance to graduate or receive any type of diploma or certificate. I explained that I will not be responsible for a debt that I did n't mismanage. That was the school 's doing. They mishandle d MY loan mone y so therefore I will not be repaying back money they fraudulently stole. I applied for loan forgiveness because students from that school are/were eligible due to this whole situation. They denied me because they said I took an unexcused leave of absence which is not true. I also explained that if I were to receive the services with the outcome promised by them, I would have no problem paying the debt back but services were not rendered therefore my obligation to them is null and void. I have written and called these people on numerous occasions to remove this debt from my credit report. I have formally disputed the validity of this debt and they refuse to do anything. I want this debt erased from my credit report ASAP.
Consumer complaint received 2016-12-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MI)

I have contacted Equifax to get these hard inquiries removed off of my account as well as some addresses that is not mines that keep popping up on there. They said they removed it but it has not been removed. I am a victim of identity theft and the companies is suppose to call me before they run my credit and it causes me to get a hard inquire. 

The inquiries that I did not authorize or make is XXXX XXXX on XX/XX/2016 and also an address of XXXX XXXX XXXX, Georgia XXXX that needs to be removed off of my credit report as well as XXXX collections that is not mines. 

XXXX for XXXX XXXX XXXX for {$440.00} and also XXXX XXXX for {$780.00} that is not mines. Please remove all of this off of my credit report.
Consumer complaint received 2015-07-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (SC)

I have received a credit card application in my XXXX year old 's name, XXXX XXXX XXXX, what do I do? My purse was stolen from my vehicle 2013 including my and children 's social security cards. Nothing came of it until this. Help me with my next step please!
Consumer complaint received 2015-07-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

Equifax Information System is reporting inaccurate information on my credit file. The inaccurate information has been furnished to Equifax by XXXX. The inaccurate information is the FIRST DATE OF DELIQUENCY ( XX/XX/2010 )
Consumer complaint received 2015-07-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: United Consumers Inc (VA)

My husband and I owe medical bills. I assume they are a legit debt collector but maybe not. I live with my Mother and I 'm her caregiver so it 's her landline phone. We are financially strapped and this company who shows up on the phone is called UCI. They have called for quite sometime and will not stop. My Mother is not in good health and it 's beyond annoying when they continually call almost daily. I told them today once again to stop calling. We can not pay the bill and I 'm not even sure if their scammers or not. I have XXXX phone numbers they call from. They are harassing us and I want them to stop. Thank you.