davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc. (PA)

I, XXXX XXXX XXXX the individual consumer an natural person, did not give permission to NCB Management Services Incorporated to obtain my nonpublic personal information. This company are in violation of 15 usc 1692d - Harassment or abuse ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 15 usc 1681q - Obtaining information under false pretenses. Any person who knowingly and willfully obtaines information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 usc 1692 b- Acquisition of location ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; XXXX  are in violation of 15 usc 6802 - Obligations with respect to disclosures of personal information ( b ) OPT OUT ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) ( B ) ( C ), XXXX did not clearly and conspicuously disclose to me that such information were being disclosed to a third party ; nor was I given the opportunity to opt out of my information being disclosed, before the time that such information was disclosed. Also I was not given an explanation of how I could exercise that nondisclosure option by XXXX agents. My right to privacy have been infringed upon.
Consumer complaint received 2020-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (CO)

hi. i'm thrifty loyal reward member. i'm traveling almost every week while the whole world is indoor. when i showed up to the counter with my reservation i showed the clerk my reservation for a standard suv but he said i reserve a buick encore. small suv i told him i rented the XXXX but modify the reservation for the XXXX XXXX a bigger suv, more safe, at {$35.00} per day.i showed him a screenshot photo as proof. after 20 minutes he said i'll give you the suv no problem. i asked at the same price i rented? he said yes. he never showed me anything. i didn't signed. my profile its in the computer. he just gave me my space number.after i returned the car i received the folio by email with a {$40.00} surcharge for the alleged upgrade and {$42.00} a day. i emailed thrifty never got an answer. i called chase 3 times. i asked for a manager. a manager called me 3 days after i said i have proof please allow me to mail you the proof. she agreed to mail me a letter were i can answer questions of the dispute and mail a copy of my screen shoot. it never happened chase close the dispute and alleged that thrifty is right. chase id=s denying my right to present my defense and proof. chase is not a neutral party. chase is taking the merchant side without any investigation. a total abuse. i don't have to tell you that i rented my car this week with another rental company and cancel my thrift reservation.
Consumer complaint received 2020-06-16
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: Amsher Collection Services, Inc. (TX)

In XXXX of 2020, I found out that I had become a victim of identity theft. After being denied for a credit card, I saw a collection account on my credit report. The account had been opened with XXXX years prior and let the account go negative resulting in it going to collections. 

I reached out to the debt collection agency and provided them with a letter notifying them that my identity had been stolen and that I would need the account to be removed. They responded stating that the debt was mine. I followed up by requesting that they provide me with any statements, payment slips, records of phone numbers that were used to activate the account, original contracts with my signature and a summary of their investigation to validate that the debt was mine. Alongside that, I requested that they notify the original creditor that the account was the result of identity theft and that the stop reporting the account to the credit agencies. 

They did not adhere to any of my requests and instead sent me a bill to pay for the collection.
Consumer complaint received 2020-08-14
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)

You are reporting inaccurate and fraudulent information on my credit report. I have tried contacting you several times to rectify the matter. I have gone ahead and filed a complaint with the Federal Trade commission regarding identity theft. I sent the necessary documents in with tracking which you received verifying that I am the one in fact disputing the fraudulent activity on my report.
Consumer complaint received 2020-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditor's Collection Service, Inc. (VA)

Never received a notice that I owed a debt and this was the only way I found about it through my credit report. It looks like it showed I pay late and that shouldn't be on my report because I've never paid anything against this debt because it is not mine. My report showed it was in XXXX, Va and I've never seen a Dr in XXXX until my girls were born 20 and 26 years ago. 
I tried calling the number listed but It's an automated line and couldn't get anyone to return a call. I couldn't get through to talk to anyone either. To my knowledge I do not owe this debt.
Consumer complaint received 2020-08-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: C2 Financial Corporation (CA)

I applied for refinance my home. The Loan Estimate gave me on XX/XX/2020 is {$6500.00} for Origination Charge. However, when the loan closed on XX/XX/2020, they change to {$9300.00}. They did not tell me it changed. When I read the loan fee, I complained to Mr. XXXX XXXX. He forced me to sign or he cancelled the loan. It takes more than 1 month to do the loan.
Consumer complaint received 2020-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NJ)

At this moment, I do not recall how I became aware of this debt, but I phoned the collections company on XX/XX/XXXX to request a detailed invoice for the debt. When I last talked with XXXX, no one could tell me what the debt was for. 
In short, the phones I received from XXXX did not work, I returned them. At that time I paid a restock fee and asked to pay any outstanding bill. The rep double checked and said I did not have one.  Later that month I received a bill for {$1700.00}. I called the store, but in the end, no one could tell me what the bill was for and subsequently stopped answering my calls. The next month the bill was {$1500.00}. I eventually got through to an online customer service rep and they realized some of the phones were not returned. After updating my account, there was still a balance for {$240.00}. He could not tell me why. 
When this balance showed up in collections, I phoned the company on XX/XX/2020. I informed them that XXXX could not tell me what the bill was for and before I would pay, I wanted an itemized invoice. Given all the inaccurate info they previously reported, I wanted to be sure this is a valid debt. The rep seemed to agree. On XX/XX/2020 I received an alert on my credit report for this balance. I had not heard back from the collections company. I phoned them to inquire about what happened since our last conversation. XXXX XXXX informed me that she was aware of my previous request and that I previously told them that I did not believe it was a valid debt. She said they did not receive a reply from XXXX and stated that she made another request while I was on the phone. I asked is it appropriate to report a debt you can not verify, she said yes. She stated the call was recorded so this can be confirmed. My primary concern is because I have no accounts in collection on my report and have a business transaction this could kill. She said give her a week and I do not have a week. 
I am asking they honor their first conversation with me. Prove the debt is valid and give me an opportunity to pay. I truly do not understand how and why I am expected to pay a sum of money just because a company said so and how a collection company can report a negative account without proof of the debt. 
Finally, this was a XXXX XXXX acct, I feel it was not set up properly if it is reported on my personal account. I was told my personal info was only needed for the credit check. this is more of a XXXX issue.
Consumer complaint received 2020-08-14
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION (NJ)

regional acceptance corp. has illegally updated collection account by submitting false payment dates and activity on account. Its reporting the account to be180 days defaulted as of XX/XX/XXXX thru XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX the account display current. XXXX thru XX/XX/XXXX account display 30 to 180 delinquent. The account was in a chapter XXXX bankruptcy filed XX/XX/XXXX and was dismissed on XXXX XXXX for non payment. after carefully looking at my credit report I noticed regional acceptance corp. enter a date of last payment received XX/XX/XXXX on one credit report then reflects a charge off as of XX/XX/XXXX but then change close account date as of XXXX this information has been altered re-aged on credit reports far back as XX/XX/XXXX.no data entry between XX/XX/XXXX thru XX/XX/XXXX on my XX/XX/XXXX credit report but shows me 180 days delinquent in XXXX credit report during that time. the fair credit report act says the original first date of reported delinquency and after of no current status 7 to 10 years the negative information should be removed. The state of New Jersey statue of limitation is 6 years. I am beyond the required time this account is outdated and needs to be removed quickly.
Consumer complaint received 2020-08-14
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. (FL)

I have been a victim of identity theft and have made countless reports over the years about this. I've sought out several credit agencies in hopes of clearing my credit of fraudulent activities which has fallen upon def ears. I am hoping by reporting this it will hopefully grant me the results I need to live my life and buildup my credit with dignity. I would like all fraudulent accounts removed so that I can buildup my credit and finally do what I need to do for myself.
Consumer complaint received 2020-08-14
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I made a transaction with my card, on XX/XX/2020 transfer was the transaction I made from my account so I really want to log on my account to view my account statement and perform other transactions I guess I was unable to log on it because someone tampered with my password, so I need you to email a link on how to reset and verify proving am the rightful owner of this prepaid car, you can contact me here .. 
Email : XXXX Mobile number : XXXX XXXX XXXX Thanks you all ..!
Consumer complaint received 2020-08-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (AL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-14
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: United PanAm Financial Corp. (TX)

I have a loan with UNITED AUTO CREDIT CO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and UNITED AUTO CREDIT CO with no successful resolution. XXXX  is only reporting me late. There was definitely an error on their part. I was never 90 days late.
Consumer complaint received 2020-08-14
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: Amsher Collection Services, Inc. (GA)

I have a loan with AMSHER COLL ( Original Creditor : 08 XXXX XXXX ),  AMSHER COLL ( Original Creditor : 11 XXXX XXXX ), and XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX XXXX  ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, AMSHER COLL ( Original Creditor : 08 XXXX XXXX ), AMSHER COLL ( Original Creditor : 11 XXXX XXXX ), and XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX  XXXX XXXX XXXX  ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RFNA, LP (AL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-14
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 applied for a credit card and was denied due to fraudulent accounts reported on my credit history! I would have never been aware of this unless I applied and I am shocked to have even seen such accounts and wonder what's the real process for this to have happened without my authorization or knowledge. I would like these accounts eliminated from my credit history before I seek legal action. I have no money nor time to waste on foolishness. I am irate and in disbelief that not once was this verified before being added to my credit report. Please remove these accounts as soon as possible so that I can build my credit.
Consumer complaint received 2020-08-14
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. (FL)

I applied for a credit card and was denied due to fraudulent accounts reported on my credit history! I would have never been aware of this unless I applied and I am shocked to have even seen such accounts and wonder what's the real process for this to have happened without my authorization or knowledge. I would like these accounts eliminated from my credit history before I seek legal action. I have no money nor time to waste on foolishness. I am irate and in disbelief that not once was this verified before being added to my credit report. Please remove these accounts as soon as possible so that I can build my credit.
Consumer complaint received 2020-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

InXX/XX/2020 Due to COVID-19, I requested a Mortgage forbearance to SPS ( select portfolio Servicing ), it was accepted and mortgage payments were extended to XX/XX/2020. Because my job has been affected by Covid 19. OnXX/XX/2020 I contacted SPS and requested to add the 4 months to the principal, the representative told me that I didn't have this option, my only option was a 24 month repayment plan beginningXX/XX/2020. I didn't received any documentation, my wife called the lender in XX/XX/XXXX and she was told that I was not approved yet for the repayment plan. We decided to sold one of our cars to bring the house current, we were in a lot of stress due to this situation. I paid the 4 months inXX/XX/2020, for several days I enter to SPS website and the payment was not applied. My wife called SPS in XX/XX/XXXX and the representative told her that now I was approved for the repayment plan and the payment was applied this way : 2 months for the behind balance and 2 months for the repayment plan. If I paid the full amount behind WHY the lender didn't bring my mortgage payment current???? repayment plan??? We were told I was not approved. why I was not approved??? base on what?? I checked the website today XX/XX/20 and I do not have any new mortgage statement showing how they applied my payment of {$14000.00}, because they need to apply this amount to : principal, interest and escrow and send me my XXXX mortgage statement. I felt that I didn't have any help from them at all and I am still waiting that they applied my payment, this is causing us a lot of stress. Selling a car was not a good option for us, now we will need to buy another one in the future just because our lender didn't help us.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

XXXX XXXX XXXX  is reporting a charge off to my credit report. This charge off is considered a certificate of indebtness which is now income. INCOME CAN NOT BE REPORTED TO A CREDIT REPORT!!!!!!!
Consumer complaint received 2020-08-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

I tried calling the XXXX XXXX /Toyota Motors to advise them that I never received statements and notice for these dates listed FOR THE FOLLOWING DATES :XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX. Due to their error, they reported late payment remarks on my credit report which IS IMPACTING ME NEGATIVELY DUE TO NON RECEIPT OF THEIR MONTHLY STATEMENT FOR THOSE DATES. 

I ALSO TRIED GOING THROUGH THE CREDIT BUREAU TO RECTIFY THIS MATTER WITH NO SUCCESS ON EITHER SIDE.
Consumer complaint received 2020-08-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: LOBEL FINANCIAL CORPORATION (FL)

I spoke with multiple on the phone to figure out what steps I need to take to trade in my car. They said I needed to let the dealership I was working with take it from there, I traded in vehicle on XXXX XXXX and I had a new loan open. Done deal they were paying off low bill. Next thing you know Im getting calls saying that I never sent my payment and it was Already at the end of XXXX on the XXXX I asked dealer I purchased new vehicle with and they quickly responded they sent the check on the XXXX of XXXX. I need help to resolve this negative impact on my credit which lobel promised they would resolve before closing my account, my credit had dropped to poor levels after this incident.
Consumer complaint received 2022-11-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Vengroff Williams, Inc (MD)

I have informed XXXX XXXX of Second Look Collection agency to not to notify me via phone at my place of employment and to notify me by mail on several occasions. She also made accusations as to why the debt, unknown to me was accumulated. I informed her that I would seek legal counsel regarding the debt, but she stated that she will continue to call me until I agreed to speak with her and provide her with my attorney 's information.