davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-19
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENOVA INTERNATIONAL, INC. (MO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XX/XX/2021 Cash Net USA XXXX XXXX XXXX XXXX XXXX, NH, XXXX Ref No : XXXX Dear Cash Net USA : This will serve as your legal notice pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692, to cease and desist all further communication with me in regard to the above referenced debt or debts. You are hereby instructed to cease collection efforts immediately or face legal sanctions under applicable Federal and State law.

If you fail to heed this notice, I will file a formal complaint against you with the Federal Trade Commission who is responsible for the enforcement of the FDCPA and the Missouri Attorney General. 

I have decided that I do not want to work with your collection agency or any other collection agency under any circumstances. I will contact the original creditor directly in order to resolve this matter. By sending this letter it is my intention to stop all your calls and collection activity from this day forth. 

I also reserve the right to file suit against you for any future violations of this law. I may use telephone recording devices to document any telephone conversations that we may have in the future if you fail to comply with this cease and desist letter. You are also notified that should any adverse information be placed against my credit reports as a result of this notice that appropriate actions will be taken. I intend to keep a log of any contacts you make with me after you receive this letter. 

Please give this very important matter the utmost attention. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-04-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK (IL)

I opened my account with Discover Bank about a month ago. On XX/XX/XXXX, I deposited a Check I got for about {$7000.00}. On XX/XX/XXXX, those funds were reflected in my available balance. I Made a purchase at XXXX for {$80.00} and another one with XXXX XXXX XXXX for {$25.00}. In the evening of XXXX, I got an email from Discover Bank that there might have been a fraud at my bank so I should call them. Once I called them, they asked me to provide my identification, which I did. I uploaded my passport and Social Security Card to their secure upload, since I wasn't able to log in my online banking. 

Once they verified the information with me, they said the account had been closed. I said I hadn't closed the bank and I had made those two purchases. They refused to help me out and give me an answer. They said it was a business decision and didn't give me any information even after being on the phone with them for 2+ hours on the evening of XX/XX/XXXX. 

Now they said they will send me a check in 60 days, but I have no Money to buy groceries or essentials in this time of a Global Pandemic. I will go back to my country of origin- XXXX but they said they won't send the check there and just straight up refused to help me out.
Consumer complaint received 2021-06-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (NY)

I have my mortgage with PNC - in XXXX of 2020 we started the process to refinance and found many options. Even with better offers we decided to stay with PNC because the process should go quicker since they have our information and we are customers. We settled with PNC in XXXX and were to close by XX/XX/XXXX. 
XXXX XXXX and his team were unable to accomplish that closing date. We cooperated and provided any and all paperwork requested, our emails were not responded to in a timely manner. They claimed if they push closing date to XX/XX/XXXX it would definitely happen - here we are XX/XX/XXXX and we arent even getting requested call back or information on why this is taking over 6 months. 
My wife and I separately talked to 4 sets of friends telling them to refinance, they used other companies that didnt hold their mortgage prior. One friend closed in 2 WEEKS, One in 3 WEEKS the others within 2 months. 
I am looking for advice on if we should stay with PNC on this {$600000.00} deal or move to a company that can handle this in a timely fashion?
Consumer complaint received 2020-04-07
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. (MD)

XXXX XXXX  XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Consumer complaint received 2020-04-07
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. (MD)

XXXX XXXX XXXX  HAVE FRAUDULENT INQUIRIES FOR FOLLOWING DATES XX/XX/XXXX - XX/XX/XXXX. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Consumer complaint received 2020-04-07
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. (MD)

XXXX XXXX XXXX XXXX HAVE FRAUDULENT INQUIRIES FOR THE FOLLOWING DATES XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Consumer complaint received 2019-12-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

Navient never told me about program option until my loans accrued XXXX in interest. Now im paying a high payment to keep my credit from going down! I believe that its unfair and is not being communicated to the consumer!
Consumer complaint received 2021-06-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (IL)

My name is XXXX XXXX and I am a Identity theft victim dated back to XXXX. My License, passport, social security card and checkbook was stolen from one of my XXXX. I have tried SEVRAL times to dispute these items as the information in incorrect, my spelling of my name, wrong address and incorrect license numbers. There is a auto loan in my name dated back to XX/XX/XXXX Credit Acceptance Corp XXXX XXXX XXXX, XXXX mi, 48086-account number on credit report is # XXXX. I have requested the original documents over and over. With no results only harming calls, they got my number from when I initially called to inquire why they were on my report. Ive disputed and this debt is still there. Please help. I have my police report # XXXX with XXXX police dept. I also file an Identity theft report in early XXXX with the FTC # XXXX
Consumer complaint received 2020-04-07
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 — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY (GA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-06-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CA)

I contacted the XXXX XXXX ( my lender 's - LoanDepot - service provider ) about removing the PMI. I know that it can be removed either because the debt has been paid down to 80 % or the value of the property has increased to achieve the 80 % debt to equity. Everything was fine at the start with XXXX XXXX, providing daily updates on the delay. I submitted my request on XX/XX/21 and I finally receive a response on XX/XX/21 from XXXX XXXX noting that I needed to secure a BPO. I would have appreciated a prompter response on this if that's what I was going to be told. Subsequently, I receive an email from the PMI XXXX XXXX email stating that I can remove the PMI via the original value removal option or the current value removal option. For the latter, I must now pay for an appraisal in order to move forward with this. I find this is taking advantage of the customer and honestly the mixed messaging is not appreciated. I feel like the company is taking advantage of me as a consumer. They should be able to secure an updated valuation, either via an appraisal or BPO, with no issue. Someone please help look into this type of inconsistent treatment on this matter. Thank you.
Consumer complaint received 2021-06-19
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. (NV)

There are some accounts on my credit report that are not mine. I just became a US citizen and I am brand new to this country legally. I noticed that there are already negative items that do not belong to me. Please remove them from my credit.
Consumer complaint received 2020-04-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (MO)

I refinanced my home back in XXXX, 2019. Paid my mortgage fatefully on time up to now, all of sudden, I owed an extra & XXXX in escrow. either I pay the whole amount, or my mortgage will go up almost {$200.00} more of what I'll been paying. How can they just do something like that at will whenever they wants to and what can I do about it? ... ... By the way, it's Flagstar Bank.
Consumer complaint received 2021-06-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Harris & Harris, Ltd. (NY)

Harris & Harris of XXXX  ( XXXX XXXX XXXX ) is consistently psychologically and mentally harassing to pay me a debt I don't owe despite showing evidence in writing by my Insurance company that I don't owe. The writing also shows that XXXX XXXX have indeed erased the debt at the time when Insurance company dealt with them. XXXX XXXX XXXX have ignored my evidence and continued to call on multiple occasion and mail.
Consumer complaint received 2021-06-19
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/ Block all access to my file and contact me directly at my phone XXXX or email me at XXXX. I need a PIN for all my credit reports asap. 
I found some incorrect accounts that are listed wrong on my credit file : 1.XXXX XXXX XXXX XXXX XXXX, I have never filed a Chapter XXXX or XXXX bankruptcy. 
2.XXXX  XXXX XXXX  XXXX # XXXX 3XXXX # XXXX 4.XXXX  # XXXX 5XXXX XXXX XXXX # XXXX 6.XXXX # XXXX 7XXXX XXXX # XXXX 8XXXX XXXX  XXXX # XXXX 9XXXX XXXX  # XXXX THERE ARE SEVERAL ADDRESSES THAT DO NOT BELONG TO ME ON MY CREDIT FILE PLEASE DELETE THEY ARE NOT CORRECT : XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2021-06-19
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. (CA)

I received a student loan in XXXX for {$3000.00}. It is now being reported that the loan was taken out in XXXX which is a lie. It's also stating that I have two student loans one for {$6500.00} and another for {$4200.00}. I never took this loans out in XXXX. It also says they are closed and the balance is due is {$0.00}. Yet they remain on my credit report and has dragged down my credit score so much that I can not get my interest payments dropped on my car and home loan. I have called the Department of Education and they said to call XXXX XXXX which is closed down when I call. I am being run in circles and all my other accounts are in good standing. I have spent the last eight months called all the credit bureaus and nothing seems to work. I when I call the Department of Education is says call the numbers that are no longer in service. It's a vicious circle. Your assistance would be greatly appreciated.
Consumer complaint received 2020-04-07
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. (MD)

XXXX XXXX  XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Consumer complaint received 2020-04-07
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 — Investigation took more than 30 days
Company: RentDebt Automated Collections, LLC (GA)

I have a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-06-19
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: ID Analytics, Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX XXXX I have had some issues with someone accessing my credit file and using mypersonal information and at this time I would like to request a credit freeze/ Block all accessto my file and contact me directly at my phone XXXX or email me XXXX. I need a PIN for all my credit reports asap. 
I found some incorrectaccounts that are listed wrong on my credit file : 1.XXXX XXXX XXXX XXXX XXXX, I have never filed a Chapter XXXX or XXXX bankruptcy. 
2.XXXX  XXXX XXXX  XXXX # XXXX 3.XXXX # XXXX 4XXXX # XXXX 5XXXX XXXX # XXXX 6XXXX # XXXX 7XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX 9.XXXX XXXX  # XXXX THERE ARESEVERAL ADDRESSES THAT DO NOT BELONG TO ME ON MY CREDIT FILE PLEASEDELETE THEY ARE NOT CORRECT : XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX  XXXX XXXX, OH XXXX
Consumer complaint received 2021-06-19
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: CORELOGIC INC (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX XXXX I have had some issues with someone accessing my credit file and using mypersonal information and at this time I would like to request a credit freeze/ Block all accessto my file and contact me directly at my phone XXXX or email me XXXX. I need a PIN for all my credit reports asap. 
I found some incorrectaccounts that are listed wrong on my credit file : 1.XXXX XXXX XXXX XXXX XXXX, I have never filed a Chapter XXXX or XXXX bankruptcy. 
2.XXXX  XXXX XXXX  XXXX # XXXX 3XXXX # XXXX 4.XXXX # XXXX 5.XXXX XXXX # XXXX  6.XXXX # XXXX 7.XXXX XXXX # XXXX.XXXX XXXX XXXX # XXXX 9.XXXX XXXX # XXXX  THERE ARESEVERAL ADDRESSES THAT DO NOT BELONG TO ME ON MY CREDIT FILE PLEASEDELETE THEY ARE NOT CORRECT : XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX, OH XXXX
Consumer complaint received 2020-04-07
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. (MD)

XXXX XXXX HAVE FRAUDULENT INQUIRIES FOR THE FOLLOWING DATES XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Consumer complaint received 2021-06-19
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I recently sent a dispute letter to XXXX, XXXX, and Experian on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau.
Consumer complaint received 2020-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (CA)

Chase Freedom credit card has continually and monthly denied charges on my card that I attempted to use it in the store within the county I live in. They were informed not to that and I regularly check my accounts and have credit monitoring and I would promptly notify them of any fraudulent charges or my card missing. I do not know if it is the same person that may have a undue grudge or the system routinely decides to deny me making charges mostly under the sum of {$100.00} where I live and on vacation even though they were notified of where I would be. I have had this account over 11 years and have not experienced this to this extent until within last year. Chase needs to stop denying me the use of this card! I feel it is discriminatory for the continued denials despite me informing them not to which in my opinion amounts to harassment and continued denials despite me informing them not to. I have never failed to pay this card in a timely manor. There has never been a loss on my card the bank had to cover or any transactions I missed that were not taken care of by me. I never had any use of my card by anyone but me and this needs to stop. After 183 minutes they hung up on me. Chase Freedom customer service in the fraud department is horrific and is deserving of the poorest rating available without a doubt in my opinion.
Consumer complaint received 2020-04-07
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: FCI Lender Services Inc. (NY)

I bought a home back in XXXX I dealt with mortgage forward with XXXX  XXXX bank I thought. I was giving a 100 % modification due to the program that President Obama at XXXX XXXX XXXX XXXX I didnt know that my 80 % and 20 % mortgage which was two parts were not included in the modification only the 80 %. I was contacted on the 20 % and XXXX from XXXX XXXX XXXX  I told them to show me proof .of the note they disappeared! I had another company contact me in XX/XX/XXXX FCI lending they said they owned my second mortgage and they was going to take my home .. I told them I was going to file criminal charges. They disappeared. My dad and my little cousin like a brother to me passed in. XXXX. I was trying to get a loan for XXXX XXXX and it was denied the entire problem started then now we are dealing with Coronavirus 19 .. I loss wages before this .. I have a small child. And now theyre trying to take my home and my income was just getting better.
Consumer complaint received 2019-04-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (AL)

I have requested debt validation from Franklin Collection Services for a medical debt of {$210.00}. I have sent letters on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and have not gotten a response. This debt is not owed by me. There is no contract shown that I owe this debt.
Consumer complaint received 2021-06-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

i have an account with coinbase i invested in over {$500.00} of bitcoin and ethereum i received phone calls from someone saying they were coinbase i reported this to coinbase coinbase frozen my account, promise to resolve in 10 days that was 3 months ago up until now, i can not access my money i want to cash out and close the account, at the rate of exchange when the froze my account preferably no response from coinbase
Consumer complaint received 2020-04-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Phoenix Financial Services LLC (AZ)

PHOENIX FINANCIAL SERVICES LLC this company is claiming an collection amount for a past account fromXX/XX/XXXX. on which was pay back. 
Phoenix Financial claiming the amount as a new amount from XX/XX/XXXX, when the information is correct as this is a past account from about XXXX  years ago. amount that should not be claim for the age of the account as a new balance. the account needs to be remove from the credit report. as its affecting the score with incorrect information.
Consumer complaint received 2021-06-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

First I received the money in my Paypal account Total sum of XXXX GBP + {$88.00} USD which in the XXXX Rupee converts into XXXX and PayPal held it for more than 21 days considering me as a New Seller. 

After that on XXXX when the fund release time was near I received an email that my account has been permanently Limited by PayPal and I can no longer use their services, also they'll hold my Entire Balance for 180Days. 
All of this without giving me a single reason why my account access was limited and I'm unable to withdraw my money. After that Email, I contacted PayPal on XXXX and asked for their Support Email and tried to resolve the issue myself but they weren't willing to help. 
I tried calling their phone but they disconnect it as soon as I verify my account identity. 
My account goes by the Email- XXXX XXXX
Consumer complaint received 2020-04-07
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: Experian Information Solutions Inc. (HI)

I call Experian to remove inquiries XXXX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2021-06-19
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I deposited a check on XX/XX/2021 and it was deposited in my account and the funds were in my account the next day not knowing that this check was a fraud the next day I got an email saying it was an returned check but before that one I got an email saying that it was going to be deprime my account the 24 omg the month and then I went to chase bank down the street and they say it was a fraud check and I ask the lady how can they help me and she said that I have to pay my bank back it was my problem not theres please help me I really dont have money to pay this back I barely make money to pay anything Im lay on my bill for what happen its not fair to me I had money in my account before this deposit and know its all gone I dont have anything now to pay anything I cant get money out my bank either please help me as soon as possible thank you