davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (IL)

We have been trying to get a loan modification. We started the process in 2019 with Mr cooper. We have sent documents over and over because they say they didn't receive. Then they make us start the whole modification process over because they say the deadline has expired. They tell us something different every time I call. It's always a different person & always a different excuse. Right when covid hit they approved us for a trial payment & we made our payments. Then was approved for a permanent modification. So they sent us papers to be signed & notarized. We signed the documents, had them notarized & sent them back. First they said they didn't receive the signed documents & then they said we didn't send back everything. Which we did! & this has been the run around for two years. Now they denied the final modification after they approved it & want us to start all over again saying there's missing paperwork again. I'm so upset & I don't know what to do. They do this to people all the time. How can they just keep getting away with this. Please help!
Consumer complaint received 2020-03-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (TN)

On XX/XX/2020 I called this company and told them I didnt have an account with them and also disputed it with the 3 credit bureaus. They replied back and stated on my credit report, information has been verified. This debt collection company Ad Astra Recovery Services , Inc. is violating the FCRA by submitting debt under my name to the major credit bureaus which is unsubstantiated and validated insufficiently. Debt validation must meet certain criteria based on the FCRA and what they provided is unlawful!
Consumer complaint received 2020-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (IL)

I recently applied for a mortgage refinance with my bank. The bank ran my credit report with Experian. Experian then gave my info to another party who contacted me stating I pre-qualified for their mortgage products. This was all unsolicited by me. At this point, I am not sure what personal info of mine has been compromised.
Consumer complaint received 2020-03-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (IA)

I applied for a {$500.00} loan today, online, after being approved and routed to the lender through a mobile app ( XXXX XXXX XXXX  ). After signing the loan agreement I then emailed their support line explaining my cell phone had been disconnected and could only communicate via email. It was at this point I realized this *could be* a scam. I communicated via email with someone associated with the lender whose rapid response time and punctuation used in the email seemed concerning. I did decline the loan via email and was given verification that my request and cancellation had been received and processed. I am now concerned considering this person or group has my personal information and a signed agreement from me, not to mention my bank account information. If and when I do receive the funds ( which I declined and was given confirmation of declining ) I will then be on the hook for the interest of which I used as the basis to decline the loan ( the interest rates fall well out of fair lending guidelines and I am happy to provide the loan agreement paperwork and emails as proof should you need that to assess a fine to the company or motion to have it dissolved immediately ). Believe it or not I also have several personal contacts of whom I know firsthand are involved in predatory lending scams and Internet crimes and I would absolutely love them to be incarcerated for these crimes and removed from the ability to continue to commit acts against others. Im extremely tired of this ( excuse my language ) XXXX from these trash people too XXXX  to earn money like normal XXXX people and the fact that theyve singlehandedly perpetuated the ruin of my local not to mention National economy is so infuriating I can not even begin to fully express that in words. Thank you so very much for your time and attention and I look forward with extreme jubilation to dealing with the next XXXX thing that will come down the pipeline from the simply act of applying for a bogus predatory loan from some XXXX  ( yet hopefully sterile ) piece of human XXXX and will certainly my follow-up on this specific complaint as it applies to this specific situation should I receive finds or should this situation appear on my credit report at some point.
Consumer complaint received 2021-03-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Bliksum, LLC (CA)

I borrowed money from Loan Me XX/XX/2017 for unexpected household emergency. I began repayment as agreed and paid over half of the loan amount back to Loan Me over the next several months. Loan Me charged me triple the interest on my loan and after paying half of the loan amount back in a timely manner I still owed more than the original amount borrowed. I contacted Loan Me several times to resolve this matter and they refused to agree to a settlement. Now 3 years later they have a wage garnishment and 25 % of my salary is being taken from my paychecks after being unemployed for nine months because of Covid 19. The total amount that they are garnishing from my paycheck is {$2800.00} which is only {$190.00} less than the original amount borrowed three years ago. However, I have already paid over {$1500.00} of that original debt back to them. These fees plus interest are excessive and over the usuary law in the state of California! Loan Me is a company that takes advantage of people in desperate situations and exploits them. What Loan Me is doing to me as well as many other Americans is abusive and should not be tolerated!! I am a single dad of XXXX and already paying 25 % of my salary for child support. I can not afford to take care of my child with this wage garnishment being removed from my pay check! Please help me!
Consumer complaint received 2021-03-19
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: DISCOVER BANK (MA)

A representative from Discover called me at work, I work in a hospital and can not get personal calls at work. I had already told Discover that I can not be called at work. The representative spoke to one of my co workers, said that he was from Discover and that it was about my account. The representatives name was XXXX
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IN)

We are refinancing our home and our bank stated there were two outdated phone numbers on my account ( one old home landline and one old employer number ), and these needed to be fixed before the loan could be processed. I tried numerous times to contact equifax on the phone and they would not verify my identity over the phone. They asked me questions related to my accounts and I was reading directly off my credit report. They wouldn't be specific any what they actually wanted. They wanted minimum payments on a credit card and they asked if I ever had a credit card or store card or loan. They would provide a time frame they wanted. After 37 years of marriage, we have had many loans but they wouldn't clarify what they actually wanted. I asked for a supervisor and she wouldn't try either. I had no problems changing this information with XXXX and XXXX. This delay is creating my loan to be held up and my interest rate on the loan to increase. The other companies asked for my pin and the answers to my security questions. Equifax would not verify my identity even with my name, birthdate, SS #, address, zip code and reading the information to them off the XXXX report. 

The customer service was rude and unhelpful. I called again today after faxing my information to them 2 days ago and they still wouldn't help.
Consumer complaint received 2021-03-19
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. (FL)

I was looking over my credit report a few weeks ago and noticed accounts there that are not mine. I am also the only one who has authorization to my credit, and I have not given anyone authorization. I do not understand how this could have happened, but I am pleading to please have these accounts investigated immediately. I am in a very bad position now and I can not acquire any new credit. This is completely unfair. Please remove these fraudulent accounts immediately.
Consumer complaint received 2021-03-19
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. (FL)

I asked to put a security free on my account a few months. I am not sure if the credit bureaus did that. I saw a handful of fraudulent accounts and credit inquires on my credit report without my knowledge.I contacted transunion, equifax and experian regarding these fraudelent accounts and credit inquires and they explained that i need a ftc report. I did not initiate it. None of these account transaction was done by me.
Consumer complaint received 2021-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (TX)

I got a derogatory mark on all my three credit report stating this account got sent to collections. However, I do not have no knowledge of this debt and, that it does not belong to me. I would like to address this immediately and get this negative remark remove from my report. The account was removed and now has being reinserted back onto my credit report without my knowledge of this account. I've proof of account showing deleted and reappearing. Allied Collection Services
Consumer complaint received 2022-12-31
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX. ) XXXX XXXX XXXX XXXX : # XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other
adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I saw a charge from XXXX XXXX appeared on my Chase credit card. The charge was from XX/XX/XXXX, and was posted on XX/XX/XXXX. 

I called Chase and was transferred to the dispute department. The dispute department told me that they had no idea why the charge posted 14 months after the transaction date, and asked me if I know the merchant or have authorized the transaction. I told the representative that the merchant is a well-known retailer in XXXX ( like XX/XX/XXXXXX/XX/XXXX or XXXX ), and I was in XXXX in XX/XX/XXXX. However, given it has been 14 months, I don't remember if I have shopped at an XXXX Mall or have used the card at one. The representative told me that since the charge is more than 60 days old, she can't open a dispute. I asked her why would Chase allow a merchant to post a charge 14 months old, while forbidding a cardholder for disputing a charge more than 2 months old. She told me that she does not know, and provided me the merchant 's phone number, telling me that I will have to resolve the issue directly with the merchant.
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2021-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

I and my husband have a checking account with Chase Bank. The checking account is for my husbands salary direct deposit from XXXX XXXX University. He and I are both professors at XXXX XXXX University. We went to the bank branch ( Chase Bank, XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ) on Thursday XX/XX/2021 to get a cashier 's check for the amount of {$110000.00}. Earlier that day, we opened a new account with XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ). Our purpose was to transfer the funds to XXXX XXXX XXXX to work with them to get a mortgage. XXXX clerk asked us all sorts of security questions, requested ID and we provided all and answered all. They asked my husband what is my SSN? They then asked why we need the money.The clerk was snickering and teasing us and I was so upset that i left my husband and sat in the car for a few minutes. After all sorts of questions, they said we can not provide you the cashiers check, because we don't know what you want to do with the money. They said we need to stay in the lobby in a very offensive tone and very disrespectfully. All other customers were looking at us like we were criminals. The bankers were saying how do we know you are not fake. We insisted that we need to deposit the money in another account. It took more than an hour until we asked to meet with the president of the branch. We eventually met with MrXXXX XXXX XXXX who kept saying we dont know whether you are real owners of the account. I finally showed him documentation that we had opened an account in XXXX XXXX XXXX and he said he could wire transfer the money. He said we can not give you the cashiers check, but we can do wire transfer. I asked if I am a fraud, how do you trust this piece of paper that i present to you as my account in other bank, but you do not trust myself as an individual and owner of the account. He said we can not give you the check. My impression was that it was all racial profiling and my ethnicity. I am an American Citizen and have entered and lived in this country legally for more many many years. I do not deserve to be treated like a criminal. I am an educator and a professor and have contributed to the community all my life. The fact that they withheld my money from me, is absurd and unacceptable. I cried after i left the bank in the car because I was embarrassed in front of other people and I felt terrible to be treated differently and like a criminal. I have spoken with my attorney and he has suggested that I first file a complaint with you.
Consumer complaint received 2020-12-30
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: National Credit Systems,Inc. (CO)

Report a collection account as fraud. The company did no investigation and sided with the debt collector. With no proof debt was owed or it was me that made the charge.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America is reporting negative information in a form of late payments to the consumer reporting agencies ( XXXX, XXXX, XXXX ) in reference to me as the consumer. Pursuant to 15 USC 1681s-2 ( a ) ( 7 ) ( E ), no federal law under the Fair Credit Reporting Act requires a financial institution to furnish negative information about a consumer to a consumer reporting agency. As a financial institution, as defined under the Gramm Leach Bliley Act Bank of America failed to perform their obligation to respect and protect my privacy. Bank of America failed to provide me an adequate opt out notice and Ive NEVER granted Bank of America any lawful consent to disclose my nonpublic personal information to any nonaffiliated third party pursuant to 12 CFR 1016.7. By willfully reporting negative information to the consumer reporting agencies WITHOUT MY CONSENT constitutes as a form of punishment to defame my character. Bank of America actions are identified under 18 USC 894 for knowingly participating in any way, or conspiring to do so, by using extortionate means to punish me as the consumer. Having expressed these federal violations Bank of America breaking under the Fair Credit Reporting Act, Truth in Lending Act and Gramm Leach Bliley Act, I am demanding Bank of America to CEASE AND DESIST these illegal actions. Pursuant to 12 CFR 1016.7 ( g ) Bank of America is required to comply with this opt out notice upon receipt and comply with the follow
Consumer complaint received 2021-03-19
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: Experian Information Solutions Inc. (NC)

I submitted a dispute on XX/XX/XXXX. Child support enforcement accidentally reported that I was 60 days past due but my account was never past due. The child support enforcement immediately updated that I am current on my account but Experian is still reporting as previously 60 days - past due ( but current ). This information is inaccurate, as I have never been past due. I also submitted a letter from child support to Experian on XX/XX/XXXX showing that I was never past due. It has been a hassle reaching a live person to assist me in this matter, as Ive been denied for a car loan due to this matter. I also must share that after trying to get through to a live representative, XXXX at XXXX works the switch board, has yelled at me and disconnected the call on XX/XX/XXXX when I asked to be connected to the correct person. This is extremely unprofessional and I would like assistance as soon as possible.
Consumer complaint received 2021-03-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A. (TX)

On XX/XX/XXXX I purchased a phone off XXXX marketplace and paid my seller via XXXX on my citi application. When the phone wasn't delivered and seller blocked me I contacted the bank while payment was still pending to stop it. The bank dragged me in calls and forms until payment was cleared. I tried contacting XXXX directly but because I used the service via my citi app the only entity to contact them was my bank who kept on repairing contact ur seller despite how many times I repeat that I am blocked nothing happened
Consumer complaint received 2021-03-19
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. (FL)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''
Consumer complaint received 2021-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Since I started having Bank of America I noticed how my transactions disappear and the money I have available doesnt add up. For example on XXXX when I went to bed I had {$140.00} in my account, when I woke up there were no new transactions but my work check deposited and there was XXXX. I should of had XXXX in my account but the bank is charging me twice for transactions that are processing and already taking out of my available balance. Another example XXXX took {$16.00}, and {$100.00} twice out of my account unauthorized. There still is a processing XXXX on my account and the other one disappeared. The XXXX XXXX gave back to me but for some reason both of those transactions are missing from my account. How can they erase my transaction history