davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (AZ)

XX/XX/year> my name is : XXXX XXXX XXXX FACTS : EXPERIAN HAS MY # XXXX XXXX POLICE Identity Theft Report & Fraudulent Schemes and Artifices charges against XXXX  XXXX. 
FACT : Delete all other fake names : XXXX XXXX, XXXX XXXX XXXX is IDENTITY THEFT FACT : I am a victim of identity theft. I am a victim of Experian, XXXX, XXXX, SSA, IRS Data Breaches. 
These are all facts listed below : 1. EXPERIAN refuses and violates Federal Law FCRA to mail me USPS my updated credit report and INCREASED free credit score. 
2. EXPERIAN refuses to OPT me out of sharing my information. I DEMAND permanent opt out, do not share my information. 
3. EXPERIAN refuses to honor my Permanent SECURITY FREEZE, PERMANENT FRAUD ALERT, PERMANENT OPT OUT and is allowing erroneous companies to illegally spy on my credit report causing IDENTITY THEFT. 
4. I DEMAND EXPERIAN DELETE ALL SOFT AND HARD INQUIRIES, ALL COMPANIES HAVE NO PERMISSABLE PURPOSE TO HIT MY CREDIT REPORT WITHOUT MY AUTHORIZATION OR A COURT ORDER. 
5. EXPERIAN ON RECORDING, ADMITS TO SEARCH THE DARK WEB AND POST FAKE INFORMATION ON EVERYONE 'S CREDIT REPORT IS ILLEGAL. 
6. I DEMAND MY UPDATED EXPERIAN CREDIT REPORT WITH NO ERRORS. FCRA. 
7. Experian is to mail USPS my Experian credit report with updated score to my address listed here in my CFPB complaint.
Consumer complaint received 2024-10-02
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ProCollect, Inc. (TX)

These debts were not discharged in XXXX, but were canceled via 1099c and written off as losses by the original creditors and by law per the IRS are now considered by personal Income. Both Pro-Collect and XXXX XXXX have created and furnished unauthorized and uninformed financial documents using my nonpublic personal information with out my knowledge or consent to extort a payment for debt that can not be collected because it is now legally my income. Both of these items are from apartment rental lease from my former employers. These companies know nothing about the details of these transactions and have never seen the lease agreements. If they had they wouldn't have been sharing my information because these are not even consumer credit transactions and they have no permissible purpose, no where in our agreements do I consent to a third party sharing my information with a fourth party, no where I was I presented with a privacy policy, and no where was the any option to opt out. Also, consent can not be purchased or transfered without all original parties signing off on a new agreement per UCC. Once again, there is no debt, this is Identity theft, and I revoke any implied consent any of these companies assume they have to share my information and demand that they stop furnishing it to other financial institutions immeddiatly.
Consumer complaint received 2024-10-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

Hi, firstly there are XXXX separate issues but they are related. The second issue wasn't an option on the form. 

The first issue : I received a notice from Resurgent Capital Services in which it states LVNV Funding is the current owner of the debt, dated XX/XX/year>. It stated that I owed a debt that originated with XXXX XXXX  and that I had 30 days to dispute that notice or they would take further action. 

I disputed the debt on XX/XX/year>. I did not realize it, but they had already reported the debt to the credit bureaus on XX/XX/XXXX. Before they even sent the notice to me supposedly offering me an opportunity to dispute the debt. 

The second issue : The amount they claimed that I owe was XXXX. Same as with XXXX  XXXX, I told them that did not make sense because the amounts went up dramatically without any explanation why. 

XXXX XXXX  had previously closed the account even though I had not missed any payments. I explained to them that when they closed the account, I was not able to make payments because it was not letting me into the account. And then explain to them that when they kept claiming that I owed more and more, I was not able to see any kind of explanation on why I was owing more. Unfortunately they did not care. 

I explained all of this to the new debt collector and requested that I receive proper validation of the debt including an itemized statement of the amount claimed to be owed, including all interest fees and charges as well as a complete and accurate payment history. 

I had to respond to the new creditor twice, three if you include the original dispute, because each time they responded they sent something else that did not fulfill that obligation nor did it even amount to the total they claimed I owed. 

The only amount that came to that total was XXXX XXXX saying that was a charge off amount. But the other documents they sent did not amount to that. It did not show how the amount actually was what they were claiming. 

So it is those XXXX issues. I believe I have a right to fair and open disclosure on how a debt is owed, and how it is the correct amount. But instead of respecting that, they sent the same documents that did not meet that criteria. Along with a letter saying that my claim of it being the wrong amount was insufficient. Despite their own documents that partially showed itemized statements still did not amount to that. 

Because they have done this, including reporting to the credit bureau before they even sent me notice, I would appreciate if someone would take action regarding this. 

I do have additional documents, and will be attaching the paper document responses they have sent me. I also have video recording of my dispute submissions. I will have to locate the original notice I was sent but I do have it somewhere.
Consumer complaint received 2024-09-30
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: VIN Title LLC d/b/a Discount Title Loan (TX)

I called the company on XXXX the XXXX to advise that I would be making the payment due on XX/XX/XXXX for {$490.00} on XX/XX/XXXX. I was then told that on XX/XX/XXXX I would have to pay {$860.00}. When I asked for an itemization of the charges the company refused to send it to me. I asked for this multiple times and never received anything from them. I communicated with them through text message and repeatedly asked for the itemization and they still didn't send it I proceeded to tell them that they were asking for almost the payment and I wanted to know why before paying the excessive amount. This morning my vehicle was repossessed and when I called they said that if I had paid on the XXXX my payment would have been {$590.00}. So I asked why I was told {$860.00} and there was no explanation. I told her I have the phone call recorded where I was given incorrect information and she said it doesn't matter you now need to pay the entire amount of the loan to get your vehicle back which is {$2200.00}. They refused to to XXXX cash or work out any type of arrangement stating that they had been trying to communicate with me and were unsuccessful which is total XXXX. I have text messages and a recorded phone call to prove that I had some form of communication with them.
Consumer complaint received 2024-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC (GA)

I was emailed an offer from concora credit for a milestone Mastercard with XXXX $ limit, Im assuming because I am already a customer of theirs with their Indigo Mastercard and they already had my information. I accepted the offer and they approved and then mailed me my card which I activated upon receipt in their anpp. After opening my account I was charged a XXXX $ annual fee. Ive used the card one or two times, but Im not completely sure because I no longer have access to my account. However these were all small transactions in my zip code. The next time I tried to use my card it wouldnt work and after calling customer service they said my card was blocked and in order to have access to my account again I am required to make photocopies of my personal information and either mail or fax this information in. When I log into concoras app I am able to see and access information for my indigo account but everything for my milestone account is inaccessible. I cant see what I owe or when my next payment is due.
Consumer complaint received 2024-09-30
Product: Credit 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. (TX)

I disputed a charge and provided the necessary paperwork to validate my claim. Chase came back and said the claim was not valid a provided me with a receipt from the merchant. I called in to get additional clarification, explained to the agent the situation and they told me to upload my additional supporting document. After sending in the additional details, I spoke with an agent named XXXX who just told me there's nothing they could do. I asked on how I could appeal the decision and they told me there's no way to appeal the decision.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-09-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (MI)

on XX/XX/year>, i saw that there was an un-authorized domestic wire transfer from my chase bank checking account. the amount that was taken out from my account was {$19000.00} $ and was transferred to another bank account without my permission or authorization. I immediately went to my local chase bank to report fraud and closed my chase checking account and asked the bank to monitor my account daily. the chase bank said that they will do an investigation. i had alarm set up for any payments or deposits or transfers and i never received any alarm from the bank about this wire transfer. The bank never called me to confirm the wire transfer or notify me of this domestic wire transfer. i have no idea how this happened or who got access to my bank account and i asked the bank to cancel the wire transfer. the wire transfer went to some person located in another state and it was a domestic wire transfer.
Consumer complaint received 2024-09-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY (VA)

Around XX/XX/XXXX, I refinanced my auto loan from TD Auto Finance to my preferred credit union On the Grid. When I later visited my local XXXX, I discovered my vehicle has two auto liens. I was provided with a letter XX/XX/XXXX that my loan with TD Auto Finance was paid in full. For the past 4 years I've been getting the run around on how to get this lien off. TD Auto Finance said the letter would be sufficient for the XXXX. The XXXX tells me they needed a signed/notarized letter from TD Auto Finance to remove the lien. TD refuses to send this. Now the XXXX is telling me that the signed/notarized letter is insufficient, TD needs to release it electronically. TD then refuses to electronically release their lien without a lien release letter from On the Grid, which of course On the Grid will not provide because I have not yet paid off lien. After working on this off and on for 4 years, I have no choice but to submit this complaint. I tried to work this out with TD one last time today. I was supposed to be transferred to a supervisor and was on hold for over an hour and 45 minutes before I finally hung up as I simply couldn't spend all day on hold. No offer was made for a call back. Screen shot of my cell phone of this call attached. I am consider sale of my car but I can not do so without clearing up the title down to one lien holder.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

The following account are affected : ( XXXX ) CREDITOR : XXXX  LOAN TYPE : PERSONAL LOAN ACCT # : XXXX ( XXXX ) CREDITOR : XXXX CREDIT XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX LOAN ACCT # XXXX ** The account with XXXX XXXX XXXX  is in collection being serviced by XXXX XXXX XXXX I did not receive any written notice as required by 606. Disclosure of investigative consumer reports [ 15 U.S.C. 1681d ] ( a ). Which states that the consumer is to be notified within 3 business days by mail that my credit was being reviewed. 

Please block and remove the above accounts from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.
Consumer complaint received 2024-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY ()

We were under the impression from several Amex representatives that if we cancelled our XXXX card, we would be refunded the annual fee at a prorated account. We were told this several times over calls that extend over the past few years. 

When we eventually cancelled the card recently, we did not see the refund on our statement. So we called to follow up and inquire about this. After two calls and not hearing back, which felt like extremely poor customer service in and of itself, we called a third time. 

A representative from the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, said he would look into the matter, but that his understanding was that the only time card holders can be reimbursed for any portion of the fee is within the XXXX month after membership renewal, which we had missed by a few weeks. After listening to recordings of XXXX of our past calls, he determined that we were offered other Amex products as an alternative to the XXXX card, but did not discuss a prorated fee. He therefore concluded we should not be refunded any amount of the fee. 

We do not recall which calls over the past few years he should have listened to, so this is a complication in the investigation. However, XXXX did acknowledge that on XXXX of the last XXXX calls ( albeit after the card cancellation ), the representative with whom we spoke also believed that we should have been refunded the prorated amount and said she would look into that. This reflects confusion amongst Amex 's own employees, which obviously leads to understandable confusion amongst customers. This lack of clarity was reflected across our interactions with Amex employees over the past few years and can lead to misleading information upon which Amex customers like us end up making decisions in favor of Amex that deteriorate our own financial condition. 

The annual fee is {$690.00}, which is a material amount for many Americans, and we had cancelled the card to save money because many of the card 's benefits require expenditures to take advantage of them which are out of our price range. 

Overall, we believe Amex has intentionally confusing terms around the cancellation of this card and evaded returning our earlier calls on this matter. If the company 's own representatives don't understand these terms, how are customers supposed to?
Consumer complaint received 2024-09-26
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

The following debt has negatively impacted my personal credit with incorrect information and I have attempted several times to dispute this matter. I was never granted arbitration clause before the debt was sold to a debt collector. Also, the debt was not ever validated by the third party debt collector in which there is no proof of an original contract with my signature agreeing to pay them. Although, the debt has been paid several of my personal and consumer rights have been violated in which I did let the company know that legal action is to take place if this is not removed immediately from my credit report. If I do not receive an updated copy of my credit report with the disputed items removed, my attorney will pursue my legal rights under 15 USC section 1681 ( n ) and 15 USC section 1681 ( o ) of the Fair Credit Reporting Act " Civil liability for will noncompliance '' The credit bureaus will be liable for 1 ) the actual damages I have sustained by failure to delete this 2 ) Punitive damages as the court may allow 3 ) Cost of the court action in addition to attorney fees. A copy of my dispute has been sent to the Federal Trade Commission, the Subcommittee on Banking, Credit and Insurance, the Consumer Protection Agency and Department of Business and Professional Regulations ( Division of Consumer Complaints. )
Consumer complaint received 2024-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: TRUIST FINANCIAL CORPORATION (TX)

When my mortgage fell below what I paid for my home, I submitted a PMI deletion request. After the 30 day wait period, I contacted them asking for confirmation that it was removed. 

They informed me that they had concluded my LTV ratio was 88.6 % and that I could do a one-time payment of {$14000.00} to fall below 80 %. Based on these numbers, they value my home at {$160000.00}. This is less than I paid for it ( and I got a great deal at that when I paid {$160000.00} back in 2019. Their website says that I owe {$130000.00}. By numbers entirely gathered from them, I should have a LTV of 79.74 % and eligible for PMI removal. 

I asked to be escalated and was told that it could be up to two months to hear back from them. When I called their help line, I was told the PMI department did not have a contact info and that I should use the email given. I sent an email and only received back an auto-reply.
Consumer complaint received 2024-09-24
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lela Mae Portfolio Management Group (OH)

The debt collector has been calling me numerous times from phone numbers all over the United States never the same number and threatening legal action if I do not pay, however I have been making payments through the original lender for a few months so the amount the debt collector is telling me that I owe is not accurate so I will not set up payment plans when I have emailed them about this they tell me to call in however I am not able to get ahold of anyone when I call the number provided and when I answer the calls it is always very hostile.
Consumer complaint received 2024-09-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: BROKER SOLUTIONS, INC. (FL)

From the outset of my efforts to refinance my duplex with NAFinc, I advised them that I did not retain copies of my tax returns beyond the 1040 signature page. Nonetheless, they insisted I provide copies from my CPA which contained errors even obvious ones with my SS #. Such copies were incorrect, never filed with the IRS and were not the actual, authentic returns. I simply retained them for future reference when I dismissed my CPA. 

XXXX used the unfiled, incorrect and unofficial returns as a basis for insisting that amended returns be filed. Thereafter, they asserted that due to CPA errors the Investor Guidelines did not allow them to accept the IRS tax transcripts when I ultimately provided those in an effort to expedite closing. 

I repeatedly advised XXXX that there were no copies of what I actually filed and that their use of CPA copies was improper, irrelevant and flat out wrong. Pivotal to these exchanges was the fact that the IRS accepted my corrected returns, did not require amended returns and issued me a refund! My point of contention with NAFinc was their improper use of copies NEVER filed and their insistence that returns be amended when no such requirement was imposed by the IRS. 

Their new assertion that I did not qualify for a loan is fallacious. In fact, when I specifically requested a denial letter, after standing firm in refusal to amend returns, they would not provide such a letter. Instead on XX/XX/XXXX, I was told my loan was APPROVED subject only to the amended returns. 

I made every attempt to move the controversy out of the hands of XXXX Underwriting Dept by writing to their General Counsel then finally wrapping in one of the co-owners. But, they did not appreciate the problem and passed it off to a customer service person who simply regurgitated what the underwriters ( who were wrong ) told her. I have emails from all concerned.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX