davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Spring Equity LLC (CO)

I submitted an inquiry about a home equity loan from a company called XXXX XXXX XXXX. A loan officer named XXXX XXXX took all my personal information ( ssn, w2, pay stubs, ID ) and I agreed to proceed with the process of getting a home equity loan through him. A couple days later I was contacted by a company called Mortgage Connect- A director named XXXX XXXX sent me an email stating she would be handling my closing for my loan through a lender named XXXX XXXX XXXX XXXX 
Shortly after I was contacted by XXXX XXXX with XXXX XXXX XXXX asking for further documentation ( w2s, pay stubs, wifes ID ) because Spring EQ had requested it. I sent it over that same day, and never heard back. A week passed and I reached out to XXXX XXXX and XXXX XXXX to ask where I was at with this process- XXXX XXXX XXXX again asked for the same information I had already provided a week prior and said he would check in on my file. The following morning I received an email from a company called XXXX XXXX XXXX wanting me to follow a link and enter my bank information so I can pay in advance for services provided by Spring EQ. 
I did not follow the link and emailed all parties involved stating I want to cancel my application immediately, but am now extremely concerned with this entire process as I feel all of my personal information has been compromised and I am now a victim of a scam.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CORELOGIC INC (VA)

I trust this letter finds you in good health. I am writing to bring to your immediate attention a critical matter involving the unauthorized disclosure of my credit information.

As an individual deeply impacted by my upbringing and surrounding environment, the protection of my personal data holds paramount importance. My unique circumstances have instilled in me a profound awareness of privacy and the crucial necessity for consent in the sharing of sensitive information.

Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - & quot ; Permissible purposes of consumer reports, & quot ; it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned.

It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information.
Consumer complaint received 2024-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland credit management is not licensed to perform debt collector practices in the state of Texas. Per Texas Consumer Law, third party debt collectors are not allowed to give false information about the consumer to anyone, including the credit agencies. In addition, according to the Texas Secretary of State, third-party debt collectors and credit bureaus must file a {$10000.00} surety bond before they can engage in debt collection activities. Per the attachment, Midland Credit Management is not licensed or certified to perform any debt collection practices in the State of Texas.
Consumer complaint received 2023-04-21
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. (MD)

This is the several time I've complained about being a victim of identity theft. You must remove/block the items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$860.00}, XXXXXXXX XXXX
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (VA)

I trust this letter finds you in good health. I am writing to bring to your immediate attention a critical matter involving the unauthorized disclosure of my credit information.

As an individual deeply impacted by my upbringing and surrounding environment, the protection of my personal data holds paramount importance. My unique circumstances have instilled in me a profound awareness of privacy and the crucial necessity for consent in the sharing of sensitive information.

Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - & quot ; Permissible purposes of consumer reports, & quot ; it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned.

It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

Please remove all these other addresses off my report that are as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 
My name is XXXX XXXX XXXX. Please remove any other aliases. 

XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2023-12-27
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: 2288984 Ontario Inc. (MN)

On XX/XX/XXXX after many harassing calls to myself and family members with no information given in the phone messages other than a phone number I returned their call. Was told that they were not a collection company but had Power of Attorney to resolve or stop lawsuit process. They identified themselves as XXXX XXXX and associates. I did set up a payment plan with them to help resolve the issue. On further investigation, the XXXX  reports that XXXX stopped operations in XX/XX/XXXX and that they do not have a valid out of state license.
Consumer complaint received 2024-05-03
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (NC)

I have a lease for a XXXX  XXXX with VW credit. I submitted a request to buy out the remainder of the lease including the remaining lease payments and contract residual value. Because of this, I turned my lease payments off auto pay. I have already sent in the check to buy out the lease to VW credit. They were not unauthorized to debit this payment to my account and now I am sure I will have to wait several months to be credited for the unauthorized payment.

In addition, their website is extremely difficult to use. I consider myself a savvy borrower given my professional work experience. I cant imagine what the experience is with VW credit for the average borrower.
Consumer complaint received 2024-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (CA)

We have an escrow account for taxes and insurance. Our loan was sold to Mr. Cooper on XX/XX/XXXX. XXXX XXXX XXXX  XXXX ( XXXX ) sent the renewal notice for our wildfire insurance to our old mortgage company. XXXX canceled our wire insurance for non-payment. I contacted the California Department of Insurance and got XXXX to reinstate our old policy. I indicated to them that Mr. Cooper has an escrow account for this cost. While this was going on, I was keeping Mr. Cooper updated through their internal messaging system. They knew that we had XXXX different insurance carriers. Mr. Cooper actually sent a request to XXXX for the renewal notice, because XXXX sent us a notice saying as much. In XXXX of XXXX ( while all of this was happening ), Mr. Cooper did an incorrect escrow analysis. They sent us a check for approximately {$2000.00}. I asked them why they sent us a refund and they sent me a message that stated that the escrow analysis they did was wrong. I have emailed them but they said they have 30 days to get back to me. I have been trying to call Mr. Cooper to get them to pay the wildfire insurance renewal and request to speak with an agent but the auto-phone system just keeps hanging up on me.
Consumer complaint received 2023-04-21
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. (AR)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belongs to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove the items which are found to be opened due to identity theft. The dispute items do not belongs to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items : XXXX XXXX XXXX Balance : {$9300.00} ; 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  Balance : {$9300.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$9300.00} ; 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 

If you feel there are a possibility these items belongs to me, I will require all documentation that bears my signature ( another research items I found that requires you to remove. If you do not provide any records & claim the items are removed please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-05-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

Portfolio Recovery -Calls approximately 5 times per week -Calls from multiple numbers ( more than XXXX different numbers ) -Calls from XXXX numbers AND local state numbers -Calls starting at XXXX am and throughout the evening ( typically morning and afternoon ) -Does not leave messages -Does send paperwork to residence I have received phone calls from this company for more than 6 months, up to XXXX whole year. They call from multiple numbers, at least daily. When I go to block a number, I see each number has called me frequent times over the course of the year, but each number is different throughout the week. I have received physical paperwork from this company, so when I go to contact them regarding the debt, I will have a point of contact to call. However, I had to tell them to stop calling me because they call ALL THE TIME and never leave a message for me to contact them. While I understand they are collecting a debt that I owe, there is no reason for them to call me near daily and disrupt either my sleep or work. I keep my phone on silent just so they do not disturb me during work hours or while I am resting before work. It is a shame because I keep my phone available in the event of an emergency and tend to miss important phone calls throughout the day. 

XXXX ... .. XXXX ... .. XXXX ... .. XXXX XXXX ... .. XXXX ... .. XXXX ... .. XXXX XXXX ... .. XXXX ... .. XXXX ... .. XXXX XXXX ... .. XXXX ... .. XXXX ... .. XXXX ( These are only a few of the numbers they have called from in the past XXXX months )
Consumer complaint received 2023-10-14
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: EQUIFAX, INC. (CT)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still other account that need to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$21000.00}
Consumer complaint received 2023-12-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (RI)

On XX/XX/XXXX, I received a notification from Chase Bank stating that my account had been limited and that our banking relationship would be terminated with the account 's impending closure. Upon contacting Chase, they were unable to offer a concrete reason for the closure. They assured me that any funds in my account would be issued via check within 3-5 business days following the account 's closure, which was anticipated around XX/XX/XXXX. Yet, as of now, they have informed me that the funds are still under review and have not been returned, nor have they provided a definite timeline for this process.
Consumer complaint received 2024-05-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

On Wednesday XX/XX/XXXX I was sent a text message and email while at work to basically contact the bank asap to avoid closure from fraud activity. I did travel that past week but already contacted the bank to let them know, its not like I traveled out the country just to another state. So i called right away to avoid the issue. When I called and entered in my information, they said my card was closed so Im like what the heck okay. Talk to another person, she says chase had closed my account indefinitely. How can all that happen within 1-2 hours without reason for me to explain myself? I ask why and she just says she cant disclose that information. Like I said I just traveled so I dont have much money in my account, so Im eagerly waiting my paycheck on Friday the 2nd Hoping I can transfer the money out to a friend to give me. Today is Friday and Im not mad that my account closed Im more mad I dont have access to my money and it seems like its being held XXXX when I can still log into my account and look at it, its teasing. This is ridiculous Im sure their are people with much more suspicious activity than mine. I work everyday, some weeks I work over time - Im just a girl in her late XXXX just scraping by. Next week is a holiday so I need to buy a gift, and I have to get my license sticker and I need gas in my car etc. there is no suspicious activity. I would like to be able to transfer my money.
Consumer complaint received 2023-04-21
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. (AR)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belongs to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove the items which are found to be opened due to identity theft. The dispute items do not belongs to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items : XXXX XXXX XXXX Balance : {$9300.00} ; 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 XXXXXXXX Balance : {$9300.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$9300.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

If you feel there are a possibility these items belongs to me, I will require all documentation that bears my signature ( another research items I found that requires you to remove. If you do not provide any records & claim the items are removed please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Since I felt the credit bureaus didn't adequately investigate my dispute, I just submitted a request for an investigation of the disputed items. Records kept by the 3 credit bureaus reveal that it was untrue. The following items must be updated from my file by the three credit bureaus because the credit bureau 's examination was conducted incorrectly. 
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
Consumer complaint received 2024-05-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Portfolio Recovery Associates are suing me for {$1100.00} for a debt from XX/XX/XXXX. This was a bought debt from i dont know where. The attorney is XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. This debt has reached the statute of limitations but they have started garnishing my wages as of XX/XX/XXXX.
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CO)

On XX/XX/XXXX, someone attempted to open a XXXXXXXX XXXX  card using my name, address, phone number, email and SSN. I did not attempt to open this card and I was contacted by phone by the XXXX XXXX department so luckily the application was denied. On the same date, someone successfully opened a XXXX XXXX XXXX and a XXXX XXXX XXXX. I successfully canceled and reported the XXXX and XXXX card, but was not aware of the XXXX card until I received the card in the mail on XX/XX/XXXX. I have contacted all three credit bureaus but when attempting to obtain my credit report, I received a letter stating that they are not able to provide me a copy because I need to confirm my address. I sent the requested documentation on XX/XX/XXXX.
Consumer complaint received 2018-08-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (FL)

I checked my XXXX bank account online last night and noticed that Navy Federal Credit Union conducted an unauthorized charge to my XXXX bank checking account by the collections supervisor XXXX for a payment to a closed credit card account. When we contacted her today, she stated that my wife XXXX ( who was a card user only ) was the one who authorized the ACH charge to XXXX according the the NFCU recording of the conversation XXXX listened to. 

XXXX stated that the recording is NFCU property and we can not listen to the recording. We asked her to escallate this problem to NFCU management. 

We do not believe the response from the supervisor and would like to hear the recorded conversation for ourselves. We would like to escallate this complaint to senior management at NFCU. 

My wife XXXX and I " DID NOT AUTHORIZE A CHARGE PAYMENT TO OUR EXTERNAL BANK via ACH as the supervisor stated that was in the recording. 

We would like to hear the recording to confirm that we authorized an ach payment or allow an independant person within Navy to produce a transcript of the conversation recording. 

Since we are disputing the unauthorized charge to our external bank account we should have the right to hear what the recorded conversation states contrary to what the supervisor states. 

Please feel free to contact me for more details. 
Regards, XXXX XXXX.
Consumer complaint received 2024-05-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (KY)

I have a simple but very complicated question about Affirm accounts. 

I built my credit history with an ITIN rather than a social security. So far XXXX is the only bureau that reports ITIN amongst the 3 bureaus. Therefore, I'm unable to identify myself with lenders that pull from XXXX. 

I am not able to get the right person over the phone to provide the best information I need hence my question. 

Unlike XXXX which works fine with my tax ID, does any ITIN holder have even slim chance of getting an Affirm account with an alternative way to verify identity? Im missing out on XXXX, XXXX XXXX, XXXX, XXXX and more marketplaces that partner with Affirm.
Consumer complaint received 2023-10-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (TX)

I am a XXXX  parent that learn about investing and recently found Gemini the company weeks prior to this incident. I started depositing and moving money fine weeks ahead just fine. But on XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/3000. XX/XX/XXXX XXXX. Then on XX/XX/XXXX they saw it as suspicious activity not knowing I'm a parent trying to build up my owns assets. I've sent several XXXX to be exact on the were abouts once I tried moving the currency they put a restriction of security hold. I've done everything they've asked and them some. I would like my money returned or have the restrictions removed. Thank you
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TRANSUNION HAVE VIOLATED MY FAIR CREDIT REPORTING ACT. I BEEN CONTACTING AND SEND DOCUMENTS IN TO THEM FOR 6 MONTHS AND NOTHING HAVE GOT SOLVED