davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-17
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Sarma (AP)

I got a call from my dad saying that an agency called SARMA a collection agency with XXXX contacted him. They discussed that I owed a debt of XXXX dollars or more without my knowledge. They thought they were speaking with me I take it. Its embarrassing and causes stress when Im out and about and I had to have a family member tell me someone is trying to get money from me.
Consumer complaint received 2021-02-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

Chase continues to distort the facts associate with my loan application. when the company claims that it was investigating the issues, frankly nothing was been done, or else they would have discovered that Mr. XXXX emails me on XX/XX/XXXX, indicate there is no available loan program to me. The application Disclosure dated XX/XX/XXXX was sent for my signature with a loan amount of {$460000.00} which I never seek. My email to Mr. XXXX on XX/XX/XXXX, outlines the loan amount. Chase can provide my request for the amount of {$460000.00}. Even though I indicated the number was incorrect, Chase never tries to rectify this issue. What they are not disclosing to you are the emails sent by Chase on XX/XX/XXXX.XX/XX/2020 indicating that there is no loan program available to me.
Consumer complaint received 2021-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (TX)

My Husband, XXXX XXXX, applied to multiple Credit cards companies without my knowledge. He financially XXXX  me and did not let me have access to see the debt on the credit cards. We are in the process of a divorce now, and I discovered all these cards under my name after filing for divorce and checking XXXX XXXX. I have filed a police report that is attached. I have filed fraud for the cards as well.
Consumer complaint received 2021-02-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I had sent money to a XXXX XXXX XXXX who posed under a false name XXXX XXXX thru XXXX totaling {$1900.00}. They were sent in payments of {$950.00} on XX/XX/XXXX & XX/XX/XXXX in order to secure an apartment for rent and were supposed to be the deposit and first month 's rent. I've sent tried to contact the scammer, XXXX and Fifth Third bank but was unable to reach an answer or a solution.
Consumer complaint received 2021-02-17
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. (GA)

I have two accounts on my Transunion credit report that arent mine. I never opened these accounts, nor do I have any knowledge of them. This is my third time disputing these and its ridiculous as to why they are still there. I request that you have the two accounts erased from my credit report immediately. 
The accounts are : XXXX XXXX XXXX - {$700.00} XXXX XXXX XXXX - {$220.00}
Consumer complaint received 2021-02-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (NJ)

I sent a certified letter back in XX/XX/XXXX requesting for information about this debt that they said they I owe never got a response back but someone indeed receive the letter. I called today to try to work something out however got the phone imaging up in my face five times before finally speaking to someone and the woman that I spoke to was very rude and unprofessional and she was not willing to work with me or understand my situation. I explained to her I am currently unemployed. I lost everything back in XXXX and now Im trying to get everything in order for myself and now due to COVID 19 its a lot harder for me to do those things. I am currently not working and its hard enough as is to try to get things together for myself and children. The amounts she gave me to pay was high and when I asked to speak to a supervisor or manager she refused me and told me those were my only options.
Consumer complaint received 2021-02-17
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Debt Recovery Solutions, LLC (GA)

On XX/XX/2021 I sent a debt validation request to this company, and rather than validate the debt I was sent a detailed list of my medical records without verification of identity needed to access Private Health Information. This is a direct violation of HIPAA regulation as I have never signed a HIPAA release form authorizing them to have, and distribute this information so carelessly.
Consumer complaint received 2021-02-17
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: EQUIFAX, INC. (TX)

EQUIFAX I DID NOT Authorize or INITIATE THE FOLLOWING INQUIRES. THE CAR COMPANY PLASTERED MY CREDIT RUNNING MULTIPLE REPORTS. DELETE REPORTING! 
XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX All Banks ( XXXX ) XXXX XXXX  Inquiry : XXXX XXXX, XXXX Credit Unions ( XXXX ) XXXX XXXX, XXXX. 

Inquiry : XXXX XXXX, XXXX All Others ( XXXX ) XXXX XXXX XXXX # XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX All Banks XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2021-02-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (MO)

GOOD MORNING, I AM IN THE PROCESS OF APPLYING FOR A SECOND MORTGAGE LOAN. ON XX/XX/2016, MY FIRST HOUSE WAS TOTALLY LOST FROM A FIRE. I PAID THE BALANCE OF MY MORTGAGE OFF FROM THE INSURANCE MONEY. I NEED THE CLOSING DISCLOSURE DOCUMENT FROM MY HOME, BUT US BANK HOME MORTGAGE STATED, DUE TO MY PERSONAL INFORMATION IS IN ARCHIVE, THEY ARE UNABLE TO HELP ME, THEY STATED THEY WOULD NEED THE MORTGAGE ACCOUNT NUMBER. WELL, EVERYTHING I OWNED, BURNED IN THE FIRE, INCLUDING MY MORTGAGE PAPERS. I FEEL US BANK SHOULD BE ABLE TO GET ME WHAT I DESERVE. IF I STOPPED MAKING MORTGAGE PAYMENTS, THEY WOULD HAVE THE ACCOUNT NUMBER TO SUE ME. I PAID THE HOME OFF, SO THEY SHOULD HAVE THAT INFORMATION REDIATLY AT HAND TOO.
Consumer complaint received 2021-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ULRS, Inc. (CA)

United Legal Group Credit Collection Bureau www.unitedlegalgroup.com XXXX : XXXX XXXX XXXX XXXX ext. XXXX They filed a collection on my personal credit report, on a fraud related account with my past business XXXX XXXX XXXX XXXX. I have attached the original complaint, which was filed in small claims and while i effected service, yet in California all small claims have to be served in California so it was dismissed. 

I have also attached two fraud complaints against the original company.
Consumer complaint received 2017-09-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Data Corporation (WA)

TRS Recover ( Telecheck ) will not allow me to write checks. Telecheck confirms that I DO NOT owe any money, however, after repeated calls for 2 months, they say I " have to rebuild my credit before they will approve new checks ''. 
Telecheck is going way out of bounds in how they are operating as a business. I do n't owe ANY money to Telecheck or any merchant that uses Telecheck, YET, they can deny my checks based on their own credit reporting data? Telecheck is NOT a credit agency. Telecheck can not make me fix my credit. I demand the CFPB investigate Telecheck and regulate how they are doing business OUTSIDE of their actual legal guidelines.
Consumer complaint received 2021-02-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

On XX/XX/XXXX our personal checking account was defrauded of {$8800.00} using a fake passport as Identification. The bank reviewed the transactions with us while on the phone. They confirmed two checks were written and cashed at their XXXX, PA branch. Our branch is in XXXX, PA ( hundreds of miles away ). Those checks bounced and the bank emptied our account to cover the checks. They said an investigation would begin and our funds should be returned within 7 days. It's been 16 days and our funds have not been returned. We have contacted them several times over the past two weeks and they say they are still investigating. We need your help. We are XXXX  citizens and need these funds to live.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I asked the 3 major credit bureaus to do a thorough investigation of all the information on my credit report for completeness, accuracy and inconsistency ; I also asked to provide proof of accuracy for such and copy of an updated report within 30 days of receiving my request. 

Equifax and XXXX, provided a copy of my report past the 30 days and stated that everything was accurate. I did a through research myself after receiving the reports and still found improper, inaccurate and missing information in my credit reports. XXXX has still not responded to my request or sent an updated credit report, I also did a through research myself and still found improper, inaccurate and missing information in my credit report past 30 days of my request. 

None of the 3 credit bureaus provided documentation with proof of these changes within 30 days and my credit bureaus are is still reporting inaccurate, inconsistent and missing information. 

As per 15 U.S.C 1681i ( a ) ( 1 ) - Procedure in case of disputed accuracy, my rights have been violated. 

In accordance with the Fair Credit Reporting, the following accounts have violated my rights among other inaccurate information such as name and address update. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I request to please follow up with the credit bureaus about this important matter.
Consumer complaint received 2021-02-16
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: Experian Information Solutions Inc. (NY)

XXXX are you advancing your frauds coverup by avoiding reply to CFPB XXXX? XXXX  are you choosing to further advance Nissans fraud smokescreen by avoiding reply to CFPB XXXX? Experian are you choosing to further advance XXXX  fraud conspiracy by avoiding reply to CFPB XXXX? 

XX/XX/XXXX @ XXXX XXXX, XXXX, XXXX and XXXX were emailed with this XXXX Request : XXXX lease XXXX was the 1st of 2 emails. The 2nd of 2 emails was @ XXXX Good morning : As email requested of XXXX , Experian and XXXX  , now 122 times : Mr. XXXX XXXX the lessee and the intended transferor. I was the intended transferee. In response to Mr. XXXX misrepresentations I was pleased with XXXX advised XX/XX/XXXX denied lease transfer, confirmed by its XX/XX/XXXX letter stating : account # XXXX we have received your transfer of lease package. At this time, your request can not be processedExpired ; applicant will need to submit a new credit application to restart the TOL process Experian and XXXX  please request my provision of this original letter should XXXX continue to persevere to obstruct its XX/XX/XXXX letter existence and repeatedly requested provision. As requested in 122 emails since XX/XX/XXXX please return email a true copy of Transfer of Lease Agreement signed and duly executed by me ( transferee ) after XX/XX/XXXX decline ( blank TOL part of the XX/XX/XXXX letter XXXX including XXXX returned to me approval, date and title consent to this ( after XX/XX/XXXX decline ) Transfer of Lease Agreement or return ASAP email that no such dated ( after XX/XX/XXXX decline ) Transfer of Lease Agreement ever existed. 

Attached is the XX/XX/XXXX dated letter I USPS received XX/XX/XXXX ( 1 of 2 email attachment ). If in fact XXXX did not backdate this letter it was more than 100 times requested to email this attachment to me. Also attached is the completed ID Theft Affidavit ( 2 of 2 email attachment ). To avoid increasing damages please return email that XXXX # XXXX is totally removed from my personal credit report. 

Respectfully : XXXX XXXX 1. XXXX  and Experian please immediately advise by return email to XXXX if you have or have NOT, in entirety, removed any reverence to XXXX # XXXX from my personal credit report. 

XXXX subsequently delivered XXXX  clear evidence of fraud attached as XX/XX/XXXX XXXX received XXXX fraudulently represented lease to XXXX  and Experian. 

2. XXXX  and Experian please immediately advise by return email to XXXX that you have or have NOT received the same XXXX fraudulently represented lease? 

3. XXXX  and Experian please immediately advise by return email to XXXX that XXXX has or has NOT provided you its XX/XX/XXXX letter in part stating : account # XXXX we have received your transfer of lease package. At this time, your request can not be processedExpired ; applicant will need to submit a new credit application to restart the TOL process?
Consumer complaint received 2023-06-06
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: NAVY FEDERAL CREDIT UNION (PA)

Navy Federal unilaterally changed the interest rate for my loan, without notifying me, approving it with me, or without without having me sign anything. 
I was unaware and overpaid in interest for months.
Consumer complaint received 2023-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was contacted by a representative ( XXXX XXXX XXXX ) from Bank of America on XX/XX/2023 at XXXX. I confirmed that the number of the caller matched the number on the back of my debit card. I was told that an account was set up in my name and 2 transactions were done on XXXX. One transfer was in the amount of {$1200.00} and the other transaction was for {$1500.00}. Once I confirmed that I did not open up an account online ; nor did I authorize 2 XXXX transactions, the representative then told me that they would flag the account that was opened and the 2 transactions as fraud. I was provided a cancellation number and then the representative said that they would connect me with XXXX so that the transaction could be documented and voided. 

I then spoke with a XXXX customer service representative that identified himself as XXXX XXXX ( identification number XXXX ) who then recited previous XXXX activities with a XXXX XXXX account. I confirmed that those activities were not fraud. By this point I was extremely concerned because the mere fact that the representative had told me with accuracy about previous transactions confirmed in my mind there was a security breach. I was provided codes to reset my XXXX account for both my Bank of America and XXXX XXXX accounts by the XXXX customer service representative. However over the next 24 hours, I watched as my checking accounts were debited of {$4900.00} from my Bank of America account and {$2400.00} in my XXXX XXXX account. After hours of the representative trying to reset my XXXX accounts, nothing changed. I had to terminate the call due to a family emergency. When I called Bank of America back to see if the situation had been resolved I was told that they never contacted me.
Consumer complaint received 2021-02-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BlueChip Financial (CA)

Blue Chip Financial sent cancellation of debt notice for " personal loan ''. But I NEVER HAD A LOAN FROM THIS OR ANY OTHER COMPANY. Nevertheless, they filed a 1099-C as if I had a loan for {$800.00} cancelled.
Consumer complaint received 2021-02-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/XXXX I went to XXXX XXXX XXXX XXXX  to purchase a vehicle ( XXXX XXXX XXXX XXXX ) I found in an online ad. Upon arrival XXXX test drove the vehicle and decided to buy it. I sat down with the sales person, XXXX, and we agreed to the terms of 8.38 % APR with a down payment totaling {$2600.00} in the form of a trade-in ( my XXXX XXXX XXXX ) for a total purchase price of {$31000.00} for 72 months at {$390.00} per month. We signed the paperwork and I was told that I would get my first bill on XX/XX/XXXX. We then closed the deal and I took the car home. Over the next month I was expecting to receive correspondence from Capital One but it never came. I waited another few weeks, on or around XX/XX/XXXX, and then I called Capital One to inquire about the lack of correspondence. At this point it is Around XX/XX/XXXX and I was told by Capital One that there was no record and that I would need to wait til the paperwork came through. Then, a few days later I received a call from XXXX XXXX XXXX saying the deal was not approved by Capital One and that I needed to bring the car back. I went back to the dealership on XX/XX/XXXX and XXXX, the salesman, explained that Capital One was at fault and that they did not approve the deal. So while I was at the dealership I decided to call the Capital One myself to find out why. The Capital One representative said that Used Imports Auto never submitted the paperwork and that Used Imports Auto was at fault. They then explained that my only option was to go through the credit approval process again. The two companies were essentially putting the blame on one another with no clear explanation at to what happened. I was essentially forced to make the decision to either return the vehicle to XXXX XXXXXXXX XXXX or go through the credit application process again for new terms. Because I did not fully understand the ramifications of doing so, I obliged. I subsequently received new financing terms consisting of a 12.63 % APR, with a down payment of {$2300.00} in the form of cash for a purchase total of {$33000.00} for 72 months at {$430.00} per month and the previous trade-in was nullified. I considered my options, which were very limited at this point seeing as my credit score had dropped significantly after they ran my credit the first time I applied ( it dropped due to the number of inquiries ). Additionally, I had already been driving the vehicle for a month and a half so I felt like it was already my own. I reluctantly signed to the new terms, and later tried to figure out later on what really happened to the previous deal. To this day I have not received any answers, but my mother convinced me to submit a complaint and I also plan to file a lawsuit. My credit has suffered a great deal from this exchange and I feel I deserve answers and compensation.
Consumer complaint received 2021-02-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Herbert P. Sears Co., Inc. (TX)

I attempted to reach them a few times and request evidence of proprietorship yet they neglected to send me the fundamental documentation to demonstrate that I actually own this record. This doesn't have a place with me with these specialists/leasers.
Consumer complaint received 2021-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (SC)

As my mortgage is more than 90 % paid off and my taxes and insurance have already been paid for the year. I have requested from LoanCare on two separate occasions in writing to stop collecting escrow on my account and return the overage to me in the form of a check. This is in addition to the two phone calls that I have made spending a total of 90 minutes on the phone requesting the same exact thing. 

The current amount of the the overage is {$380.00}. 

Dealing with Loancare has been a nightmare from the very beginning. The main reason why I have advanced my mortgage is to make sure that I will not have to deal with them any longer. 

Judging by the horror stories on the internet regarding Loancare and their feeble attempts to service mortgages, this is a widespread problem.
Consumer complaint received 2021-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX billing cycle ends & starts on the XXXX of each month, however the bill is due on the first so when I made a payment in 1 month & then made the payment the next month its shows I made 2 payments in 1 month I called XXXX & they said I have no late payments and told me to start making the payments after the XXXX of each month - this is on my credit report as derogatory ( 30days past due ) when I talk to the representative @ XXXX  they figured out what happened by me making the payments on the XXXX of each month - the payment is {$74.00} - however I have been paying {$140.00} each month to pay it off in 3 yrs instead of 7yrs ( the representative @ XXXX says I have no 30day past due payments ) I dont understand how this is showing up on my credit as a negative there contact phone # is XXXX ext XXXX and the account number is XXXX can you please fix the inaccurate negative mark off of my credit report- thank you XXXX XXXX
Consumer complaint received 2021-02-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OH)

This firm has contacted me twice regarding an account from 2015. Twice, I have asked to be shown the unredacted Bill-of-Sale that shows both the DATE and the amount their client, LVNV Funding, LLC actually PAID for this old account. They are claiming I somehow owe " them '' {$1600.00}. Unless they can show/prove that they actually paid this amount and " WHEN '', I believe I owe them nothing. I am disputing both their claim and the amount they believe I owe them.
Consumer complaint received 2021-02-17
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: EQUIFAX, INC. (CA)

I have file disputes with all three bureaus back in XXXX and I still havent heard anything from any of them. How long does this take? I know it suppose to be 30 days and it over 30 days now way over 30 days.
Consumer complaint received 2021-02-17
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: Rocket Mortgage, LLC (FL)

XX/XX/2020 Quicken loans ran a credit report on my account. I did not give them permission. I called about a loan and hung up without any desire to move forward. My score has dropped 30 points because of this and XXXX XXXX  does not have any ability to fix this.