davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Autovest, L.L.C. (GA)

In XXXX 2017 Autovest, LLC delivered an affidavit for garnishment to a training center that I work out of. I 'm an XXXX XXXX XXXX on XXXX full commissions contract with the company, so I travel a lot. When the forms were delivered by the Sheriff, I was out of town and the Office Manager signed for the documents, which validated the debt, by law she had to send it to the corporate office. While I was away I noticed that my commissions were short. When calling the home office to find out I discovered that this company was garnishing my checks. I was livid because, I never heard of this company before. And surprisingly, this company IS NOT even on my credit report. I contacted XXXX XXXX XXXX, the attorney 's that processed the order on behalf of Autovest, and they refused to give me any information. I then XXXX  Autovest, LLC and they refused to give me information and directed me back to the law firm. Getting frustrated. I contacted my attorney through XXXX XXXX to seek guidance. They instructed me to go to the court and get original debt documents. Well, the county that issued the court order did not have the original documents, it was sent to them as a foreign judgement from XXXX County, IN. So the XXXX XXXX  representative referred me to an law firm in XXXX county, they told me that because the debt was so old, it was out of jurisdiction for dispute and the only thing I can do is file bankruptcy. Well, filing bankruptcy, would bed pointless, because this debt is not on my credit report! So still I had no idea who the original creditor was, and was finally directed to the XXXX County Records company. There, I was able to get a copy of the original application, which was purchased from some car company called XXXX XXXX, with my name, d.o.b., etc. But I 've NEVER owned a XXXX and never lived at the address that 's on the application. The signature is definitely forged, and it does not have a Picture ID attached to the application. This has been so frustrating, because I 'm still being garnished out of my commissions for a debt that DEFINITELY DOES NOT belong to me. I 'm not yelling at you guys. I 'm just in need of serious help. I 'm exhausting all my options here. And its just not fair.
Consumer complaint received 2017-11-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (GA)

Continuous calls through out the night and day at all hours. 
I have reported that the person they are looking for does not have this # anymore. Their Representative XXXX was VERY Rude and Confrontational. He would not give his last name and made derogatory remarks when I told him I was going to file a complaint and said that I would be wasting my time because it would NOT do any good.
Consumer complaint received 2017-07-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TN)

On XX/XX/XXXX I tried to submit a dispute on line with XXXX. I 'm unable to answer the security questions due to fraud purchases made by person/persons unknown. I do not have a retail card from XX/XX/XXXX. I do not have a bank card from XX/XX/XXXX. I filed bankruptcy in XX/XX/XXXX, the case number is XXXX. It was filed in XXXX Tennessee Western District. I do not have a XX/XX/XXXX car. I do n't have an income to pay a loan or to lease a car. The last car I had was paid for in XX/XX/XXXX. The car was a XX/XX/XXXX XXXX XXXX. The vin number on that car was XXXX, the plate number was XXXX. The title was XXXX. I 've reported theft of my drivers license to the Department of Motor Vehicle in the State of Tennessee. No-one will do anything here & this city wonder why crime is so high. No-one wants to do their jobs. Yet everyone wants to get paid. I 've told the courts that XXXX XXXX XXXX is posing as a paralegal. She 's deleting my history. The FBI told me this is an inside job, not only is The XXXX is responsible. My former employer XXXX XXXX XXXX XXXX have my identification. XXXX XXXX once lived with my late father. She 's stealing my mail through the United States Postal Service.
Consumer complaint received 2017-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2017 I submitted a list of items that were unknown to my records and also unverifaible. I waited on a response and after 2 months I have 0 results.
Consumer complaint received 2017-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (CA)

I have lived in California since   XX/XX/XXXX . There was an account opened for   XXXX   under my name in  XX/XX/XXXX f rom Florida, which I did not authorize.  XXXX  reported the account to  XXXX  credit bureaus and then sold the collection to convergent outsourcing. I have disputed this with the collection agency and filed a victim 's identity theft report with the police. I also faxed my report and letter of dispute along with a request to delete any information regarding this account with the credit reporting agencies, but, the account fraudulently remains on my credit reports.
Consumer complaint received 2017-11-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Contacted Portfolio Recovery when my wages started being garnished and asked them to send me proof of said account. Now all 3 credit reporting agencies have no record of this debt from the " original creditor '' and they have failed to provide me any proof that this is MY debt. They claim this account was opened in XX/XX/XXXX and closed in XX/XX/XXXX and sold to them in XX/XX/XXXX. I have no court documents of a collection, summons or judgement being issued to them for this debt. No paperwork for Wage Garnishment Court Order, Copy of Summons, ca n't find anything. No one can seem to find the paperwork and this has caused me undue stress. I have suffered undue hardship due to the wages being taken and I am past due with bills and the holidays are coming and no work means no pay.
Consumer complaint received 2017-07-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

Dear Sir/Madam, Because Chase did n't answer all my questions in my complain number XXXX. I would like to file a complain again.
Chase especially did n't answer that question how someone else could link their XXXX accounts to my checking and saving without any verification from Chase, as I mentioned in my complain XXXX, Chase even did n't do a basic check such as if name matches. I would like to see the document I signed that authorizes this kind of behavior.
Chase is notorious with data protection of their clients, and when issue happens, they seemed not willing to to help clients to solve the problem and just want to protect them self. I would like to ask CFPB to take a further look of Chase 's practice in this area.
Thanks, XXXX
Consumer complaint received 2019-01-18
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. (PA)

There were multiple charges from " XXXX '' on the Chase MasterCard ( which Chase converted to a Visa card  despite our objections ) that are in dispute and should be removed from this card, along with all related interest and fees. Chase has not addressed these concerns as of now. The following are the disputed transactions : XX/XX/XXXX XXXX {$160.00} XX/XX/XXXX XXXX {$160.00} XX/XX/XXXX XXXX {$110.00} XX/XX/XXXX XXXX {$260.00} XX/XX/XXXX XXXX {$260.00} XX/XX/XXXX XXXX {$260.00} XX/XX/XXXX XXXX {$210.00} XX/XX/XXXX XXXX {$160.00} XX/XX/XXXX XXXX {$290.00} XX/XX/XXXX XXXX {$50.00} The total amount of the above disputed transactions is {$1900.00} + INTEREST. Additional documentation can be provided upon request. A fair resolution of this complaint would be to credit the {$1900.00} in disputed transactions + Interest.
Consumer complaint received 2017-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MN)

In XXXX 2016 XXXX XXXX closed all my checking and savings accounts and credit cards because of financial fraud. I have not been able to get ready reserve accounts on new checking accounts because of fraud alerts, security freezes on each of my credit reports : XXXX, Equifax and XXXX.
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I have called each credit bureau, submitted formal written letters asking that all fraud alerts and security freezes be lifted from each credit report. I get no response other than new credit reports sent in the mail.
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Requested Action : Please contact each of the credit bureaus to remove ALL fraud alerts and security freeze notices so that my XXXX XXXX can get credit information for my ready reserve applications. My XXXX XXXX has applied five times and can not get credit information to approve my application for new reserve accounts.
Consumer complaint received 2017-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (WA)

On XXXX of 2017 I sent out a request and notice of BILLING ERROR regarding my account. I only received statements in response which did not answer the questions to my concerns. I have now checked my credit report and Chase has  reported me as delinquent. This goes against the FCBA. THEY have violated the law stating they can NOT collect or report to bureaus until they 've addressed the billing error. My rights have been violated and I 'm prepared to Persue legal action if this matter is not cleared. Under FCBA THEY HAVE 90 days at most to validate. They have NOT! This account is null in void. My credit WILL REMAIN INTACT! I know my rights and will enforce my rights to the full extent of the LAW!
Consumer complaint received 2017-07-03
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 a soft inquire from  XXXX   XXXX . I never had no dealing with   XXXX   XXXX  . Please remove this from my inquires. Hard inquiry from  XXXX . I never had no dealings with  XXXX . Please remove.  XXXX   XXXX   XXXX   XXXX   has been close d ( Paid and closed )  and should be removed from my report.  XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   (  CLOSED ).  XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   ( C LOSED )
Consumer complaint received 2018-06-16
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)

In college I lost my wallet, where as obviously I became a victim of fraud, when trying to report it, I was told that they were too busy fighting real crime. However, I did not pound on it until I checked my credit report. I have un- identified items on my report. The following are in dispute as of now, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, according to the FCRA law, these items shall be removed if the consumer like myself is not provided with physical documentation. Not just the credit agencies, I have the right to view any physical verification as well.
Consumer complaint received 2017-07-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (FL)

I am the victim of identity theft. Someone utilized my name and former address to acquire credit then debt while I was incarcerated. I have called Caine and Weiner many times in an effort to rectify this and they have not been helpful. I asked for debt verification AND validation three times, via certified/read receipt mail sent on XX/XX/XXXX, and again XX/XX/XXXX. They respond by merely sending me a copy of the last bill to that address. I have asked for in writing to send me proof of debt validation from XXXX. I asked for who the name of the person was that they spoke to at XXXX, and the date. I asked for documentation to state they can pursue this debt. A copy of the agreement stating they are permitted to pursue me for this fraudulent debt. I asked for the original contract between XXXX and the " supposed '' debtor. I have yet to receive anything I requested. According to the FCRA, they are not fulfilling my requests from the consumer. I even called Caine and Weiner and offered to pay this debt in full if they please remove it from my credit report as it is damaging my credit which I am trying to rebuild. They would not agree to do so. Please, this is my second complaint against Caine and Weiner. I am a consumer being wrongfully damaged. I am even willing to pay the erroneous debt in full since I can afford it in order for it to go away since it is costly me more financially the longer it remains damaging my credit.. Please assist me in this matter.
Consumer complaint received 2018-06-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (LA)

I have absolutely no idea where this debt came from and it definitely does not belong to me. I currently bank with Citi Bank so there should be no reason for a debt collector to be trying to illegally collect funds from my person on behalf of Citi.
Consumer complaint received 2019-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

USAA website and App are missing a transfer credit in my checking account. The transfer is shown on my XX/XX/2018 bank statement. A USAA phone rep and an Executive Resolutions rep have verified the discrepancy but have not been able to help me. 
Identifying discrepancies is difficult because USAA has just started identifying the origin of certain transfers but only on statements. USAA does not keep accurate online records for consumer accounts.
Consumer complaint received 2017-07-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am the victim of identity theft. Someone utilized my name and former address to acquire credit then debt while I was incarcerated. I have called XXXX XXXX many times in an effort to rectify this and they have not been helpful. I asked for debt verification AND validation three times, via certified/read receipt mail sent on XXXX XXXX 2017, and again XXXX XXXX, 2017. They respond by merely sending me a copy of the last bill to that address. I have asked for in writing to send me proof of debt validation from Capital One. I asked for who the name of the person was that they spoke to at Capital One, and the date. I asked for documentation to state they can pursue this debt. A copy of the agreement stating they are permitted to pursue me for this fraudulent debt. I asked for the original contract between Capital One and the " supposed '' debtor. I have yet to receive anything I requested. According to the FCRA, they are not fulfilling my requests from the consumer. I even called XXXX XXXX and offered to pay this debt in full if they please remove it from my credit report as it is damaging my credit which I am trying to rebuild. They would not agree to do so. Please, this is my second complaint against XXXX XXXX. I am a consumer being wrongfully damaged. I am even willing to pay the erroneous debt in full since I can afford it in order for it to go away since it is costly me more financially the longer it remains damaging my credit.. Please assist me in this matter.
Consumer complaint received 2017-07-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (RI)

Since XX/XX/XXXX, I have been trying to get approved for a Short-Sale. On XX/XX/XXXX of the same year the loan was transferred from XXXX to PennyMac. I had to submit all the necessary paperwork and on XX/XX/XXXX, PennyMac approved TPP Agreement with a monthly payment of {$1100.00} interest rate 4.65 %, I declined the offer as I could not afford the payment. I was approved for a modification in XX/XX/XXXX w/ a monthly payment of {$1800.00} and unfortunately, I defaulted and came to a conclusion that I can not afford my property. I tried to explain numerous times to XXXX XXXX, supervisors, management, and they all felt very strongly about the decision. On XX/XX/XXXX, I requested a copy of my Promissory Note and all endorsement and again made the same request on XX/XX/XXXX as they keep ignoring my request. I am facing a foreclosure on XX/XX/XXXX. The foreclosure Notice from XXXX XXXX XXXX did not indicate that the loan is an FHA with a Case # and also failed to include in the letter form XXXX and all the required forms, and also stating that the firm is representing XXXX XXXX XXXX as a holder of the mortgage. The loan was originated with XXXX XXXX XXXX XXXX on XX/XX/XXXX and XXXX being solely the Nominee for the lender ; by chain of title XXXX  XXXX XXXX does not have ownership of the loan XXXX continues to be the Nominee for XXXX XXXX XXXX XXXX. The assignment of mortgage dated XX/XX/XXXX was incorrectly prepared by XXXX. It is The present Services ( PennyMac ) responsibility to enforce to enforce ownership of the mortgage and the note on behalf of the note holder. On XX/XX/XXXX, I received a letter from the same Foreclosure Attorney stating that his office was retained by PennyMac Loan Service, LLC. Attached are all the documents to justify and prove my complaint and also asking for help as PennyMac is in violation of amendments to DODD-Frank Wall Street Reform and Consumer Protection. I hope this matter will be resolved and justice will be made to stop all the abuse that I have been going through. I strongly feel that PennyMac violated my Home Owners Bill of Rights, not treating me fairly and ignoring all my requests.
Consumer complaint received 2019-01-17
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. (FL)

s Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim. 
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item. Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission.
Consumer complaint received 2017-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

I have sent  XXXX ,  XXXX  and Equifax each a letter stating my current most updated personal information and that all other information is not accurate. In return either non of the information is updated or partial of the information is updated and other random information such as my social security number was deleted.      XXXX / XXXX /   17  Mailed Address, Nam e, Work, Phone Number Information update. As of Mid   XXXX , only partial information was updated but old information was still being reported.   XXXX    XXXX 17  mailed another letter to  XXXX  and  XXXX  for all personal info to be updated.
Consumer complaint received 2017-07-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

As a reported identity theft, i notify to Capital one 360 and capital one with a checking account and savings account i used to had with them, so after few days review, they reopen my account, but they continue on " internal verification '', so after 2 weeks probably, they closed my accounts, and say they ending relationship with me ... but im sure that can change because i made the report based on my identity theft
Consumer complaint received 2017-07-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (SC)

I sent a letter to XXXX in XX/XX/XXXX so they could verify what company sent me to their collects and they sent me documents from a hospital but I never had a contract with Aargon so I 'm not sure how they were able to send me documents.
Consumer complaint received 2017-07-03
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: HYUNDAI CAPITAL AMERICA (NC)

I did not g ive Kia Motors Corp auth orization to run credit report  XXXX  times. I did not know the sales rep ran my credit  XXXX   XXXX ,    2016  and than   XXXX   again  XXXX   XXXX ,  2016 .
Consumer complaint received 2018-06-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (MI)

This is now the second complaint. From a response to my initial one. I opened an account with a {$200.00} bonus, I met the requirements. In fact I called in and verified with Wells Fargo that the requirements were met. My payroll is paid by XXXX XXXX XXXX, so not only does it meet the requirements but its irrelevant as WF customer service has already said multiple times 5+ that I met the requirements and was just waiting for the payout.
Consumer complaint received 2018-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I contracted Transunion so they could correct my balance on my XXXX XXXX CC for the Month of XX/XX/2018. I provided proof and they still have not corrected it.