davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (MN)

OK STARTING IN XXXX COLLECTION HAS BEEN TAKING MY RENTERS REBATE EVERY YEAR BECUASE THERE IS ALWAYS SOMETHING IN THERE THAT DID NOT DO SO MY SISTER IS GOING FROM CITY TO CITY USE MY NAME AND SHE ALSO USE MY MOM NAME AND MADE XXXX IN HER NAME AND ME AND MY MOM LIVE TOGETHER AND SHE TO GET HER RENTERS REBATE TAKEN EVERY YEAR AS WELL.SO KNOW I THOUGHT XXXX HAD A FREEZE ON THINGS BUT I GUESS NOT SO I DID A POLICE REPORT ON HER FOR STOLEN IDENTTY ON HER THOSE CREDIT CARDS I DID APPLY FOR AND I HAVE A COUPLE OF TICKETS IN THERE WHICH IS NOT MINE BECUASE I SOLD MY XXXX XXXX XXXX IN XXXX AND I WAS IN THE PROCESS OF MOVEING AND WAS JUST GETTING RID OF A THINGS THAT I COULD'NT TAKE AND THAT PERSON NEVER TOOK THE CAR OUT OF MY NAME AFTER I DID ALL COMMUNITY SERVICE FOR ALL OF MY FINE AND I JUST HAD PART OF MY RECORD EXPUNGE.SO THE ONLY THING IS I GAT A XXXX IN XXXX AND I PAID FOR THE CLASS AND I WAS IN THE DMV PROGRAM BUT I COULD NOT AFFORD THE PROGRAM SO KNOW I JUST STAY HOME AND TAKE CARE OF MY MOM.I WOULD LOVE TO RESOLVED THIS WITH YOU MAYBE A SMALL PAYMENT PLAN FOR SOMETHING I WAS DUM FOUNDED ON. SO MY CONTACT # IS XXXX ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX THANK YOU. XXXX XXXX AGAIN PLEASE STOP TAKING ALL OF MY MONEY EVERY YEAR AND LETS WORK TOGETHER ON THIS.AGAIN THANKS
Consumer complaint received 2015-05-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (PA)

my loan had been resently sold to nation star mortage, my previously lender was freedom mortage. the loan was sent to nation star XX/XX/XXXX.Ever since then my ecrow has been short, they are staying that my escrow account is now short XXXX and they keep giving me the run around to way my account is short. It went from being short because of school taxes, to our XX/XX/XXXX real states being deliquent etc. Everytime my wife calls they keep giving her the run around to why it is short, My wife recently went to our school district and our brough to get copies of the checks and everything that was paid up and it is still not adding up. most importantly i am escrowed. then i recently tried to submitt my mortage payment and i was able to submit is but they put it in a suspended account claiming it wasnot enough to cover the mortage which it was it was my normal payment of XXXX, they claim i have to pay XXXX not the XXXX because i have to cover the shorteage in the escrow account. they never not once sent any documentation explaining abour the escrow being short and nothing explaing that now we will have to pay the XXXX for the next XXXX months.
Consumer complaint received 2023-05-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XX/XX/2023, I sent out two letters to Portfolio Recovery Associates LLC in regards to two collection notices that I have received from them about debts they want me to pay them for, claiming I owe. The letters I sent out was asking for validity that the debt is mine. I asked for the original contract with who I signed with, original creditor information, payment history of the account, proof of ownership of this debt, and proof that their company has a license to collect debts in the state of California. They sent me credit card statements from XXXX XXXX XXXX  and XXXX XXXX. No other information in regards to the letter I sent asking for validity of these debts being mine or if they are licensed to collect debts in my state. I don't know if this is a real company or not. I might be getting scammed by whoever this is claiming to a debt collector.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Upstart Holdings, Inc. (IL)

Upon reviewing my recent credit report, I discovered several hard inquiries listed that I did not authorize or request. These inquiries were made without my consent, which is a direct violation of my rights under the FCRA. 

The FCRA, specifically in Section 1681b, outlines the permissible purposes for which a consumer report may be obtained. It is clear that these inquiries were not made for any of the permissible purposes outlined in the FCRA, nor did I provide consent for such inquiries to be conducted.
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Prosper Marketplace, Inc. (FL)

This company is a bottom dwelling and predatory company. I submitted a payment in the amount {$190.00} on XX/XX/XXXX as a letter I received said I was late by {$190.00}. I receive a statement today that says I owe a minimum of XXXX which is absolutely atrocious and grotesque if you calculate based of the predatory fees you dont get anywhere near that amount whereas you get the minimum of {$190.00}. Unless they jacked the apr to 392 % which isnt surprising because of the reviews on this company are below a 1 star. They took away my ability to pay online and have not applied any of the payments I have sent to their po box . This company needs shutdown.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am writing to express my profound disappointment and frustration regarding the ongoing presence of fraudulent items on my account. 

Since then, we have engaged in a protracted process to investigate and rectify these fraudulent items. Regrettably, despite our sustained efforts, the fraudulent entries persist, which is wholly unacceptable. 

The persistent presence of fraudulent activity not only imposes significant stress and inconvenience upon me but also erodes my confidence in the efficacy and reliability of your institution 's security protocols and remedial procedures. As a loyal customer, I entrust your institution with the responsibility of safeguarding my financial interests and ensuring the integrity of my accounts. The continued recurrence of fraudulent incidents undermines this trust and raises serious concerns about your institution 's competence in addressing such matters. 

I implore you to take immediate and decisive action to comprehensively address this issue. This should encompass a thorough investigation into the underlying causes of the recurrent failure to eliminate the fraudulent items, coupled with the implementation of robust measures to prevent their reoccurrence in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-05-03
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. (LA)

I sent you a letter last XX/XX/2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2023-05-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I was scammed through XXXX. Somebody else deposited 2 checks of XXXX dolars into my bank account for a product that I was selling. I have evidence of the checks, the checks were credited into my account for a total of {$4800.00} and I have a copy of the CHASE receipt the checks were deposited in the bank through a cashier based on what you can see in the receipt. The TOTAL amount of the money was credited on the same day the checks were deposited which was XX/XX/XXXX. The person then asked me to zelle him back {$1400.00} because apparently they had mistakenly sent extra money to me. We made a deal of the product 's cost of {$6000.00}. ( it was a jewelry necklace that's why they only sent part of the money to start its fabrication ). I did the transaction through XXXX through 2 bank accounts ( my husband and mine*as the daily limit for new transactions was only {$500.00} ). and 3 days later XX/XX/XXXX ( the bank did not notify me, only I found out when I was checking my transactions ) and found out that the checks were rejected. I called the bank JP MORGAN chase and they said there is nothing that can be done as I was the person that initiate the transaction even though they accredited the check completely on the first place. The bank did not open a case I went to the police station to file a report they are asking me for a bank 's letter staying that they rejected the two checks because they were fake however the chase representative said they do not write those letters and they can't help me. I need some help and guidance in this process. Thank you so much
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

-A NON DISCHARGED/OPENED OR DISMISSED XXXX XXXX BANKRUPTCY WILL REMAIN ON THE CREDIT FILE TEN YEARS FROM THE DATE FILED. Public Record : Bankruptcy XXXX VERIFIED THAT THIS PUBLIC RECORD ITEM IS REPORTING CORRECTLY. ( How is it reporting at all without my written permission? ) The bankruptcy being reported is reporting without my written permission. I have not provided any written, un-written, verbal and/or non-verbal consent to Experian, XXXX, and/or XXXX XXXX to report the bankruptcy on my credit report. 15 USC 1681 ( 4 ) " There is a need to insure credit reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the CONSUMER 'S RIGHT TO PRIVACY. '' Reporting of the bankruptcy without my written consent is a violation of my privacy. 15 USC 1681 ( b ) " ... consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for 'consumer credit, ' personnel, insurance, and other information in a manner which is 'FAIR AND EQUITABLE to the CONSUMER, ' with regard to the CONFIDENTIALITY, accuracy, RELEVANCY, and PROPER UTILIZATION of such information in accordance with the requirements of this subchapter. '' The reporting of the bankruptcy on my credit report WITHOUT my written permission and/or consent is a violation according to the USC definition of permissible purposes. Experian, XXXX, and/or XXXX XXXX does not have a permissible purpose to report the bankruptcy. Furthermore, reporting of the bankruptcy is not " fair and equitable '' to me, the consumer. uscourts.gov states " Bankruptcy courts DO NOT report to ANY credit reporting agency. '' How is it that Experian, XXXX, and/or XXXX XXXX reporting the bankruptcy without my written permission? This is my third attempt, requesting removal of the bankruptcy from my credit report. I will be moving forward with an FTC complaint and seeking civil liability charges for willful noncompliance, per USC 1681n.
Consumer complaint received 2023-05-03
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: ALLY FINANCIAL INC. (NC)

The car loan, amount for {$31000.00} was paid off by XXXX XXXX XXXX XXXX XX/XX/XXXX to Ally Bank. The check was not found by Ally Bank. The XXXX XXXX Sent another check for the {$31000.00} with additional amount to pay for charges of {$160.00} XX/XX/XXXX, I called Ally Bank to request the title for the car. Ally Bank refused to send the title and wanted us to make additional payments. 
The car loan is paid off to them. See the copy of the checks attached below. 
They have reported my name to the Credit Bureau late for the month of XXXX, XXXX, XXXX and XXXX of this year. 

Thank you for your attention in this matter XXXX XXXX XXXX
Consumer complaint received 2024-02-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

On XX/XX/24 I received an email from USAA that XXXX  XXXX XXXX was added as a contact to my XXXX account and to contact them If there was an issue. I have never used XXXX in the past and contacted USAA immediately. The XXXX account is housed under my phone number and email. While on the phone I noticed another email from USAA timed XXXX minute after the first one received that a XXXX had been sent to this individual. I disputed this transaction and removed information for XXXX access and ordered new debit cards. While on the phone I received texts from USAA where someone was also attempting to use our debit card numbers. These charges were flagged as suspicious by USAA and declined. Once I arrived home I went to talk to my husband and found him on the phone with USAA also disputing the XXXX withdrawal. We pieced it together and he had called a phone number for assistance with a small disputed transaction. This number and the charge were fraudulent. My husband is XXXX XXXX XXXX and when on the phone with the perpetrator he somehow allowed a screen share for assistance and Im not exactly sure what else happened but my spouse is a victim. Hes not sure how he allowed this person access to our accounts and debit card. While on the phone with the person the XXXX transfer immediately came out. My husband then realized he was a victim of fraud. He doesnt remember exactly what he did or didnt do. He is XXXX and on multiple medications and suffers from short term memory loss. He did tell me that the person he was talking to confused him and had him doing all sorts of things on the computer. I told the second USAA rep this on the phone. I was told that this wd would be reported to the crime dept of USAA and that someone would be in contact with us. No one called at all to discuss this. I called for an update today and was told that USAA had ruled against us and that the dispute would not be reopened or appealed and was closed. They would not tell me why they determined this outcome other than we would receive a letter in the mail. Here are my concerns. 
XXXX. This was obviously cyber crime and elderly crime. Whether its legally considered fraud or a scam doesnt matter. My husband was targeted and victimized. 
XXXX. My account was not protected. From the time I was notified that a contact was added to the XXXX account to the withdrawal the lapsed time was XXXX minute. Protections were not put in place. This transfer should have been flagged because the account had never had a XXXX transaction before and the amount of XXXX is excessive for this account leaving under XXXX in it. If there had been a hold placed on the withdrawal until USAA had my consent that it was legitimate this would have been avoided. USAA flagged the debit card transactions and declined them yet no such protections are in place for XXXX payments? 
I request the funds to be replaced.
Consumer complaint received 2023-05-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I went with friends to purchase a car, it was a horrible experience on XX/XX/XXXX looked at car sticker price for used car was {$21000.00} at XXXX XXXX dealership in XXXX XXXX CA. I told them I had a schools first loan for {$29000.00} they said no problem, sold me car. They had me sign my name multiple times on enlarged digital screen saying this is for tires, this is for warranty this is for this and that never showing me what I was signing because it just showed signature line on desk screen, they kept ensuring me it would go though my union schools first. They printed paperwork and sealed it and handed it to me. I called schools first they told me my loan was denied because it was {$34000.00} for the used car which they told me was 135 % over XXXX XXXX book. I called dealership and they told me I can't return car, they will finance it through XXXX dealership, which is never what I wanted. My mom asked to see paperwork and told me how much it really cost, I tried to take back car they told me there is no cooling off period in California. I tried calling multiple times, my mom called multiple times we tried to take back car on XXXX XXXX they said we can't rewrite contract, they tried to change some things, it still came out and was still {$33000.00} they said I can leave car at dealership, no changes can be made. I am going to take it back to dealership and leave key and say it is a voluntary repossession or surrender. It has just been a horrible situation on how they take advantage of people. At this point I don't car if it hurts my XXXX credit or I go to court, I want to speak out how they have done this to me, they should be ashamed.
Consumer complaint received 2023-05-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Blockchain.com, Inc. ()

First we got call from named XXXX XXXX my wife have some amount in her XXXX account which she has invest XXXX in XXXX which almost XXXX USD right now.We explained him we got no knowledge about crypto and he told us that he will help to withdraw that money, he told us to download XXXX & XXXX XXXX after that he told me to transfer fund to release above amount which I did, After that blockchain got involved they keep forcing us to make payment to release our fund they told us that amount is getting bigger same story to release fund we need to cash flow/liquidity transfer/mirror transactions etc they took our nearly total XXXX but still blockchain are sending us email saying we have above XXXX in blockchain wallet and forcing us to pay them another XXXX to release that above amount. At the end I think we got scammed. Please help us. 
Thank you very much.
Consumer complaint received 2023-05-03
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

I created a USAA profile to see if I could qualify for their serivices. I didn't nor did i open any type of account with them. Just a profile, however they need me to give them my name, DOB, SSN, addresses in order to create a profile. Since i didn't qualify for their services i asked a chat agent to delete my profile. However they told me they can not. Now i would understand if i actually had a checking, saving, car insurance, etc but i don't nor did try opening any. So now they are holding my personal information XXXX. I should be allowed to delete my profile if i didn't open any accounts with them.
Consumer complaint received 2024-02-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P. (AR)

XXXX attempted to garnish my Government issued travel card I have for work XX/XX/XXXX. I am a federal employee and they attempted to garnish the XXXX account that services it. They are still actively trying to garnish wages at several past employers for a credit card that I defaulted on in XXXX. The original creditor is XXXX  XXXX, it has been removed from my credit report for a while now. But the third party collection agency - LVNV Funding LLC still actively attempts to garnish wages and harass me by mail. Original card balance was {$870.00}, they are claiming I owe over {$1200.00}. I have asked them to stop contacting me, they wont.
Consumer complaint received 2024-07-31
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

an application for a credit card was started under my name without consent with application ID : XXXX I never communicated or signed anything with Capital One. 

Capital one bank USA NA inquiry made : : XX/XX/scrub>XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

I am a victim of identity theft. I did all the paperwork and sent them in to the credit reporting agencies. They have never removed the accounts and attached my paperwork to the disputes I requested. They have not given my copies of the verification report. All these processes are required by the FCRA. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am writing to contest the inaccurate reporting of a fraudulent account on my credit report, which constitutes a clear violation of the law. Upon contacting the bank, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the account would be promptly removed. Your bureau is legally obligated to conduct a reasonable investigation of disputes as the other credit bureaus have already removed this fraudulent account from their records. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. Please DELETE this account for once : XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-02-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX multiple fraudulent transaction on Paypal occurred. 

I responded to an ad on XXXX on XX/XX/year> that was soliciting investors to invest in an online onlyfans type business. The company name is XXXX XXXX and website is juicy.network and the ad promised a return of XXXX the investment amount over a 1 year period. However, the website never got off the ground even though the owner by the name of XXXX XXXX continued to promise each month that the site was just about to launch. Nobody at the company responds to my emails or texts about what is going on. I have already demanded a full refund of my {$15000.00} investment via email but have not received any response to that demand either. 

XXXX XXXX and the company is registered and physically based in XXXX XXXX but has also registered the business in the XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX New York XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX No XXXX XXXX XXXX WY XXXX