davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-04
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 (CA)

NUMEROUS TIMES I HAVE SUBMITTED PROOF THAT I HAVE BEEN A VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND MADE FRAUDULENT CHARGES ON MY CREDIT CARD. I HAVE REACHED OUT TO DISCOVER THAT THE CHARGES ARE FRAUDULENT,
Consumer complaint received 2022-06-18
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)

In accordance with the Fair Credit Reporting Act, the following Companies has violated my rights : XXXX XXXX XXXX XXXX  stores XXXX # XXXX XXXX ) XXXX Acc # XXXX XXXX ) XXXX XXXX XXXXXXXX Acc # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX ) XXXX XXXX XXXX Acc # XXXX XXXX ) I XXXX XXXX XXXX Acc XXXX XXXX XXXX ) XXXX XXXX XXXX ACC # XXXX XXXX ) XXXXXXXX XXXX XXXX ACC # XXXX - XXXX XXXX ) XXXX XXXX XXXX ACC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A ; States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 ; also states ; A consumer reporting agency can not furnish any account without my Proper written instructions.
Consumer complaint received 2022-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TN)

XX/XX/XXXX I paid for my husbands XXXX online. To XXXX XXXX XXXX  in XXXX XXXX Arkansas. 
The charge was {$2200.00}. Later that day I open my credit card account online & there was a charge for {$22000.00} to XXXX XXXX. 
I called the Autopsy office & talked XXXX the office manager who had earlier that day walked me threw the steps to pay {$2200.00} online. 
She told me, there was nothing she could do. 
I needed to call my credit card company. 
XXXX Citicard XXXX Last 4 numbers of card XXXX. So I did & was told by Citicard the charge was approved already so I had to file a dispute for the {$22000.00}. Charge. 
So I did this right away over the phone. 
I did pay {$2200.00} for the autopsy on the same credit card that same day. 
XX/XX/XXXX. 
XX/XX/XXXX. I saw the {$22000.00} was put back on my card. 
I called. Was told the dispute department found this to be my responsibility unless I provided more info. So XX/XX/XXXX I faxed more information, & emailed it also. 
The person I was talking to at forensic office, XXXX, her phone number. The invoices paid to XXXX. One correct, other overpayment invoice. I provided, The phone number & person to speak to about the over payment of {$22.00} XXXX. In the XXXX XXXX account, which I had gotten from XXXX the forensic office manager. 
XXXX XXXX I called Citicard to check on status of this dispute. 
XX/XX/XXXX a second charge {$22000.00} was applied to this same XXXX, Citicard. 
I called XX/XX/XXXX & spoke XXXX. 
Told me was mistake & would be corrected. 
Called again XX/XX/XXXX to see why not not corrected. 
Talked to XXXX at Citicard who told me it was mistake & would be corrected. 
Still have 2 {$22000.00} charges on this card, showing it overdrawn. {$20000.00} due immediately. 
No credit on a {$30000.00} available card. 
I sent fax, email. On XX/XX/XXXX & again on XX/XX/XXXX trying to get this corrected. 
XX/XX/XXXX I got email from the dispute department saying. 
According to the documents received XX/XX/XXXX, you accept responsibility for Charge. 
So we consider this matter resolved!!! 
I called dispute department XX/XX/XXXX & spoke XXXX, who assured me this matter will be taken care of. 

No response as of today from the dispute department. 
Today I faxed & emailed them again. 
Because I still have these 2 fraud {$22000.00}. 
To XXXX XXXX in which the credit card company are saying Im responsible for. 
Man can only die once. 
So why would I have to pay for 3 Autopsys on Same person.
Consumer complaint received 2022-03-04
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: Mobiloans, LLC (CA)

XXXX XXXX XXXX XXXX XXXX has repeatedly called my place of work, home and even my father and step mothers home. They told my step mother that I was getting ready to be sued for a debt and that they needed to tell them where I was. I finally got in touch with them, did not understand the debt, or remember the debt specifically. I asked them for proof of this debt and they stated they did not have to give this to me, because the name of the company seemed familiar and I was being threatened I agreed to be on a payment plan. I have made payments and have only 2 left and was unable to pay these last 2 due to COVID, these people are now calling my place of employment threatening me to call my boss, calling me and when I answer, this women keeps saying.. oh OK, just wanted to see if you were at work and then they hang up. I have told them DO NOT CALL THIS NUMBER AGAIN, it's my place of employment and it's a call center I can't receive these calls here. I am in California and I am told they must send me proof of any payments I have made within 30 days and I have NEVER received anything from them other than threatening calls. NOTHING BUT THREATS.
Consumer complaint received 2022-03-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have spoken with or written Transunion 3x about the same debt. I am not disputing this debt, just the way it was reported! The original creditor was Smart sales and lease, they stated the 1st date of delinquency was XX/XX/2019. This impacted my credit negatively by about XXXX points. Then they sell the debt to XXXX XXXX, i did not receive any type of communication for this but the collection account was added to my report as of XXXX and 40 or more-points were deducted again from my report! I have been disputing the way this was reported and they keep denying the dispute stating that the debt is valid, I know that i am not disputing that. My initial dispute I stated that the debt was reaged due to it being the same debt, but the collection agency added to my report using another date. Transunion stated that the collection agency was in there right to add it to my report as a negative account therefore impacting me twice. I know i owe the debt but i am working on getting my credit together and it will take time, but it seems like these credit bureaus are not helping. They take XXXX or more points from you when you fall behind but once you get back on track, they want to add 5 or 6 points a month to your report and thats not fair!!!
Consumer complaint received 2020-02-04
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: HYUNDAI CAPITAL AMERICA (CA)

A THIEF STOLE MY INFORMATION AND DECIDED TO GET A CAR WITH MY INFORMATION. I AM A VICTIM OF AN IDENTITY THEFT, I HAVE NOT APPLIED FOR A CAR LOAN THROUGH HYUNDAI CAPITAL AMERICA. SOMEONE STOLE MY INFORMATION MY IDENTIFICATION AND DECIDED TO GET A CAR. THE IS PAID OFF BUT IT WAS NEVER MY LOAN, I WANT IT TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Consumer complaint received 2022-06-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act, the following Companies has violated my rights : XXXX XXXX XXXX XXXX  stores Acc # XXXX XXXX ) XXXX  Acc # XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acc # XXXX XXXX XXXX XXXX ACC # XXXX XXXX ) XXXX XXXX XXXX Acc # XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX Acc # XXXX XXXX XXXX XXXX XXXX XXXX  ACC # XXXX XXXX ) XXXXXXXX XXXX XXXX ACC # XXXX - XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ) Transunion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 ; also states ; A consumer reporting agency can not furnish any account without my Proper written instructions.
Consumer complaint received 2022-03-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NJ)

On XX/XX/XXXX I applied for a cash out refinance mortgage for {$280000.00} with Rocket Mortgage LLC ( NMLS # XXXX ) for my property in Texas. 

The loan officer confirmed I was eligible for their " delayed financing '' product which was also described on Rocket Mortgage 's website. On this basis I permitted him to pull my credit report and also provided my credit card details for the cost of the required appraisal. ( note : the appraisal fee was {$540.00} per appraisal report dated XX/XX/XXXX but Rocket debited my credit card {$790.00} on XX/XX/XXXX ) Further on XX/XX/XXXX I was verbally informed by the loan officer that Rocket Mortgage 's underwriter says due to Texas Law Section 50 ( a ) ( 6 ) my investment property in Texas was not eligible for delayed financing / cash out refinance. 

I received a decline letter on XX/XX/XXXX " the reasons why we are currently unable to help you with your loan - *Other - Product/Program not available. 

I have never been declined for credit my entire life and find this letter is completely inadequate as it provides no reason or explanation for the decline. As America 's largest mortgage lender they need to be held accountable for such poor standards of communication and arbitrary underwriting standards
Consumer complaint received 2018-05-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (SC)

Experian is continuing to report a negative collection account after a company has already agreed to delete the item. XXXX XXXX sent me a confirmation letter on XX/XX/XXXX confirming they have already sent the request to the credit bureaus to delete the account. As of today, XX/XX/XXXX, Experian is still reporting the item. I would like for them to comply with the company and remove the debt.
Consumer complaint received 2022-03-04
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 am a victim of identity fraud. Per The Florida Department of Economic Opportunity in addition to alerts/notifications from XXXX, I have been advised that my identity has been compromised several times, sold on the XXXX  market and used to obtain unemployment compensation. It has been used to open the fraudulent credit card account with XXXX XXXX have disputed this account numerous times with Experian. In XX/XX/2021, I contacted them by phone and they agreed to delete the account but failed to comply. Experian has repeatedly refused to take this matter seriously and not only investigate this fraudulent account but provide their method of verification. Due to their inability to validate this account, I have demanded for it to be deleted from my credit profile but Experian has only updated the accounts without disclosing their findings. This is a direct violation of my FCRA consumer rights as well as unlawful practices. Please investigate this matter to see why Experian is being non-compliant and operating unlawfully. I have provided them with credible supporting documentation that proves that I am indeed a victim of identity theft but they refuse to comply with FCRA guidelines. Please help.
Consumer complaint received 2018-05-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF THE WEST (CA)

I purchased a new travel trailer from XXXX XXXX on XX/XX/XXXX, and financed through Bank of the West. The amount financed on my retail installment contract is {$17000.00} and payment amount is {$160.00}. When I received my loan payment book from Bank of the West it showed a balance of {$26000.00} and payment amount of {$230.00}. I called Bank of the West onXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and also went in to a local branch on XX/XX/XXXX. Everyone that Ive spoken with agrees that the amount is incorrect and they have a different vehicle listed as the collateral than what I purchased. Im always told that itll be fixed within 48-72 hours. I had to make the higher payment on XX/XX/XXXX to avoid having a late payment show on my credit report and I was told it should be fixed by the next week. The next payment due date is a couple weeks away and Bank of the West still shows my balance {$9000.00} higher than it should be and a higher payment than what I owe.
Consumer complaint received 2022-03-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (NJ)

I have been sending dispute letters since XX/XX/2020 when it showed on my credit report on XXXX because this collection is not mine and doesn't belong to me. 

No one has gotten back to me and this is affecting my credit this is my last resort to get the help that is needed to straighten this out. 

I am having to pay higher interest on everything especially because it doesn't even belong to me.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (MS)

I had a loan with Lending Club. When I became a victim of identity theft I called them and told them to update my personal information and to remove my email from the account so that the person who stole my account would not be able to access the account any longer. They told me they could not and continued to send my account information to the stolen email account. I refused to pay and they sold the loan to another company. I paid that company off because they were able to secure my personal information. I called Lending Club to have them correct my information by sending them the " paid in full '' notification from the company they sold this debt to. They refused. 
Lending Club sold this debt but still report it as a charge-off. I am being penalized twice despite having paid off the debt. They are an online company and are unable or unwilling to ensure that their customer 's information is secure.
Consumer complaint received 2018-12-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (FL)

A derogatory medical debt was reported to my credit bureaus. I never received a letter from this company, therefore, I didn't receive the notification to collect a debt or my right to dispute the debt within 30 days. I pulled my XXXX  report and the following was on there : IC System Collection XXXX XXXX XXXX XXXX XXXX, MN XXXX Updated XX/XX/18 Says I owe {$95.00} I tried to login to their website to get more information and it says I need a reference # from the letter they sent me. However, I don't have one as I never received a letter from them.
Consumer complaint received 2021-12-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX of 2021. I fell asleep with asleep with a girl I didnt know very well in my hotel room and she used my phone to XXXX XXXX herself {$2000.00}. I was really upset and was drinking with someone I also didnt know very well and told him about it and he steals my phone when Im in the bathroom and XXXX XXXX himself the rest of what was in my account which was another {$5000.00}. He also used my XXXX XXXX credit card that was linked to my phone. XXXX XXXX paid me in full for all the fraudulent charges but Bank of America has denied my claim and denied my dispute. I believe this to be unlawful. They told me that they denied it on the grounds that these people had permission to access my account which is obviously not true. XXXX people that should not have had access to my account accessed my account and I havent gotten my money back from Bank of America.
Consumer complaint received 2018-05-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (AZ)

Coinbase was a company I used to buy crypto currencys. They charged my account for crypto I didnt receive so I did a chargeback on my bank account. Ever sense then my account has been locked up and that was back in XXXX or XXXX of 2017. Ive called many many times but they just keep saying my account is being looked at. I have money sitting in my account that I turned into actual dollars not crypto currency. But because of my account being locked up theyre just holding my money illegally for months now. I want it back and they arent doing anything to make that happen.
Consumer complaint received 2018-05-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (TN)

I'd like to sell my house which is currently under the HAMP mortgage program. It's been over 3 years since this mortgage was established. I'm current on all payment and have an good track record with the mortgage company XXXX XXXX XXXX based in Colorado. I owe more on the house than what I can sell if for. I was told when I received the new HAMP mortgage from XXXX ( they subsequently sold it to Statebridge ) that the deferred principle would be forgiven. I discovered this two week ago when I asked for a " payoff '' document. The payoff document said I still owed the entire amount of the XXXX redo mortgage. Statebridge is not responding to my last two email request. Below is information on the PRA statuteCan you help me? - Thank you - XXXX XXXX How the PRA Program Works PRA is a deferred principal reduction program that allows a borrower to earn the principal reduction ( the PRA Forbearance Amount ) over three years. Over the three-year period, one-third of the PRA Forbearance Amount will be forgiven each year ( on the anniversary of the borrower 's first trial modification payment ) until the entire amount is forgiven, as long as the borrower remains in good standing. In this manner, the entire PRA Forbearance Amount is eventually reduced to XXXX. ( If a borrower loses good standing, any reduction in principal that has not already been forgiven is considered a non-interest bearing principal forbearance for the remaining life of the loan which becomes due when the borrower sells, refinances, or at the end of the loan term. ) Borrowers who receive a principal reduction under PRA should consult a tax profession to discuss potential tax implications related to the principal forgiveness.given principle. I recently found a stipulation in HAMP loans.
Consumer complaint received 2018-12-14
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: Collection Bureau of the Hudson Valley, Inc. (NY)

Collection Bureau of the Hudson Valley INC # XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX ( XXXX ) XXXX XX/XX/2016 balance : {$780.00} XXXX XXXX XXXX This is not me! I was not in an ambulance.
Consumer complaint received 2016-02-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

In the year 2009 my business income volume decreased almost 75 % I was diagnosed with a XXXX due to all the financial difficulties, at the same time my husband fell ill and had to go under XXXX XXXX and we had to live on credit cards to be able to make ends meet. My credit got overextended and we where not able to afford the terms on the credit cards and also it caused to default on the mortgage monthly payment. We requested a short sale and placed our property on the market for almost 6 months and have shown the property numerous times with no luck. Because my income has dropped considerably I can no longer afford the terms of the original loan and as a loyal customer I 'd like to ask for an affordable loan modification to real market value and a lower interest rate.