davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-16
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. (IN)

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-16
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: EQUIFAX, INC. (IN)

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-09
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. (MA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-01
Product: Credit 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: AMERICAN EXPRESS COMPANY (IL)

The following information is to the best of my knowledge and memory because of timeframe. 

I have booked a package trip with XXXX and paid for it with my American Express credit card in XXXX of 2018 for {$2900.00}. About XXXX hours before my trip, XXXX called me on XXXX and said that my flight is cancelled ( no reason provided ) and XXXX wont be able to accommodate any other flight therefore they are refunding me 100 % of my trip. I have received a refund of {$1900.00} to my American Express credit card for the flights and the remaining refund of {$1000.00} was to be credited in the next ten business days and it never happened. At this point XXXX stopped responding to my requests for refund status. 

I called my American Express credit card and started a dispute on the {$1000.00} charge providing all necessary documentation including chat log with XXXX representative approving the refund. American Express disputed the charge. My account was at {$0.00} at this point and I decided to close my credit card account. Fast forward four months American Express sends me a bill for {$1000.00}. 

American Express is now showing on my credit report with a balance of {$1000.00} - something I am not responsible for.
Consumer complaint received 2024-05-31
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (MA)

On XXXX XX/XX/year>, XXXX XXXX. called both my home and cell phone to ask if I had applied for a credit card on XXXX XX/XX/year>- which I had not. XXXX XXXX put me through to their fraud/card services department and closed the inquiry and informed me it would take 5-10 days to file the notification of fraud. When I returned home on the same day, I had 4 new alerts from XXXX that a total of XXXX credit inquiries had been made on XXXX XX/XX/year> on my account. I logged into my Experian account and noted that they were XXXX XXXXXXXX, JPMCB Card, XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX. I called Chase ( JPMCB ) and they indicated that an application for a Chase Sapphire card had been submitted with my data. JPMCB also stated that they had closed the inquiry on their end already but I would receive a notification of this incident in the mail in 5 - 10 days. I tried to call XXXXXXXX XXXX XXXX but the number listed on XXXX did not work so I called XXXX to manage disputing the inquiries as they were fraudulent. XXXX sent confirmation that my disputes have been opened and added a Fraud Alert to my account. XXXX also recommended that I log a complaint with FTC.gov.
Consumer complaint received 2021-04-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: FIRST REPUBLIC BANK (NY)

On XX/XX/XXXX and XX/XX/XXXX I spoke with XXXX XXXX at First Republic ( XXXX XXXX XXXXXXXX ) about First Republic 's Personal Line of Credit product. On both occasions, he told me the maximum credit line available to a prospective Personal Line of Credit borrower was {$350000.00}. 

Then yesterday he informed me that he was mistaken that the PLOC maximum was in fact {$100000.00} if the borrower did not intend to refinance debt which I told them I never intended to do. See correspondence below : Re : Personal Line of Credit at First Republic - quick follow up questions Inbox XXXX, XXXX XXXX Hi XXXX, I just checked in with Credit on this, being that this will be line for future utilization and not refinancing any existing debt the maximum loan request would be XXXX. I sincerely apologize for the confusion and take full responsibility for the miscommunication here. I know we have been talking about XXXX. 

As the regulator of First Republic, I would ask that you take 3 regulatory changes : 1. I would ask the CFPB to compel First Republic to more clearly communicate in their marketing diclosures and conversations with customers that their loan maximum is XXXX and only $ XXXX if they are refinancing debt. 

This is the relevant footnote from the current marketing document, " 2 Personal Line of Credit minimum is XXXX maximum is the lesser of XXXX or debt to be repaid at origination plus XXXX XXXX Line of credit can not be fully drawn at origination '' 2. First Republic told me this line of credit was unsecured. What they did not tell me was that this line of credit requires a borrower to provide a personal guarantee! Given the personal guarantee requirement, it is not in fact unsecured. The loan may be unsecured by collateral but is secured by a personal guarantee. That is at best highly misleading marketing and at worse just an outright falsehood. I would request that the XXXX require them to disclose that fact in their marketing footnotes. 

3. Nowhere in the Personal Line of Credit marketing footnotes do they disclose that borrowers who have a debt to income ratio of above 40 % will be rejected for the loan. I would request that the XXXX require them to disclose that fact in their marketing footnotes.
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

The following inquiries were unauthorized and I submitted an initial complaint for. With XXXX, I only had three accounts. 

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX The follow inquiries were unauthorized and is a new complaint. 

XX/XX/2020 XXXX XXXX
Consumer complaint received 2015-09-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (FL)

We do not owe any debts to anyone and our credit rating is superior. 

When Midland credit management calls there is no one on the line therefore, we can not stop the calls. 

Midland credit management has called XXXX times in the past week. 
They call before XXXX and after XXXX. They sometimes call every hour for extended amount of time. 

We have tried blocking their calls but, they just change numbers.
Consumer complaint received 2021-12-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE (AK)

My Mortgage was sold to XXXX XXXX. I know this is not an illegal practice but it should be. At least there should be some rules about it. XXXX XXXX has agreed to pay {$3.00} XXXX to settle criminal charges and a civil action stemming from its widespread mistreatment of customers in its community bank over a 14-year period. Employees used fraud to meet impossible sales goals. I never wanted to be involved with them because of this. Consumers should be more informed and have more say over this. When my mortgage was sold I was informed and knew I had 90 days to pay my first mortgage. I decided to spend that time earning interest on my own money and to see if I had any other options to re-finance with a more reputable institution. I was told I had to justify the transaction by showing it would benefit me financially to re-finance. Of course, XXXX XXXX makes sure they meet the mark to keep people stuck with them. 
Because I was waiting to pay my mortgage I received my first collections call. Understandable. However, the first call was at my place of employment and I am in a position of leadership. They identified themselves as, " XXXX XXXX Mortgage, needing to speak with XXXX about her home mortgage. '' to the front desk staff. When the employee approached me she felt very uncomfortable because even though it was not stated she knew it was a collection call. 
After I requested them not to call me at work, I got a call at XXXX the next day. I was told that XXXX XXXX was not at fault for anything. XXXX. I just don't want to give any of my money to such a XXXX XXXX  corporation. If people don't want to get a vaccine for their religious freedoms then I shouldn't have to be forced to pay my hard earned money to a morally corrupt bank.
Consumer complaint received 2022-12-16
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: EQUIFAX, INC. (TX)

I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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
Consumer complaint received 2021-04-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (OH)

I contacted my current mortgage company, Mr. Cooper, to refinance my home loan. The mortgage broker stopped responding to me. So I decided to look for another company, XXXX XXXX. XXXX  requested a closing cost statement and was ONLY given the option for an expedited one. They were given no other options. With the expedited closing statement, Mr. Cooper then charged me a {$25.00} fee, even though no other options were given. XXXX  again had to request another document and again Mr. Cooper charged another {$25.00} fee. I reached out to them and they stated it could not be waived or refunded. But fraud was committed as XXXX did NOT request it to be expedited, nor were they given any other option to get the statement.
Consumer complaint received 2021-04-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tri-State Adjustments, Inc. (IL)

Found Tri state adjustment inc located in XXXX XXXX XXXX  reporting on my credit report. I reached out to the company to provide a statement and copies of HIPPA form I signed. I was in question because I paid this dental bill from XXXX  off before I moved to XXXX XX/XX/XXXX. I did not move back to XXXX  until XX/XX/XXXX, but the service dates can not be correct on the statement. I requested a copy of any documentation I signed HIPPA a billing form for insurance anything. What I did get in the mail was my information, my families, dental insurance information, procedures and procedures codes. I never signed for XXXX XXXX to release mine or my childrens medical information and proof has not been provided. Also insurance was billed on dates. What is owed is XXXX for services provided for my husband on XX/XX/XXXX while he was still living in the state. XXXX did not fully investigate.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

I have written to this credit bureau on XX/XX/22 requesting proof of how the debt was validated. I asked for the original signed contract. Accounting records and proof of how this debt was verified. The company stalled asking for Id and proof of address when the information was already sent to them. I do not recall signing a hipaa release for this company to release information. I asked for a copy of that as well. The company failed to provide proof of how this debt was verified only that it was violating my rights
Consumer complaint received 2022-03-26
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: ALLY FINANCIAL INC. (ND)

Hard inquiry from ALLY FINANCIAL that happened without my consent, and to a large extent. XX/XX/2022 XXXX unrecognized hard pulls. 
XXXX XXXX XXXX XXXX 2 hard inquires I was no aware of. 
XXXX 3 unrecognized hard pulls. 
XXXX XXXX XXXX  Hard inquiry reported on my credit profile without my approval. 
XXXX XXXX- unapproved hard inquiry reported on my account XXXX XXXX XXXX XXXX XXXX unapproved hard inquiry on my account XXXX XXXX XXXX hard inquiry on my profile without my consent
Consumer complaint received 2021-12-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (WA)

WELLS FARGO BANK Fraud Case XXXX On Tuesday, XX/XX/2021 I became a victim of wire transfer fraud when I responded to an email that appeared to be from XXXX XXXX XXXX of XXXX XXXX. 

My wife and I are in the process of purchasing a home in XXXX, Washington and the wire transfer was intended for the down payment and closing funds for this purchase. 

A wire transfer in the amount of {$33000.00} was sent to Wells Fargo Bank on XX/XX/2021. The account was allegedly in the name of XXXX XXXX XXXX of XXXX XXXX and was sent from my bank account with XXXX Bank. 

On the same day the wire transfer was sent to Wells Fargo I learned I had been spoofed by a fraudulent email request and a wire recall request was placed by my bank to Wells Fargo. 

Wells Fargo Bank requested a Letter of Indemnity from XXXX Bank in response to the wire transfer recall. 

After filing a complaint with CFPB due to XXXX Banks lack of timely action and follow through on this matter, XXXX Bank responded to Wells Fargo Banks request on Tuesday, XX/XX/2021. 

The Wells Fargo Bank fraud department has confirmed their wire department is in receipt of the paperwork from XXXX Bank. The paperwork is under review by Wells Fargo Bank. 

Wells Fargo Bank has acknowledged they are holding the wire transfer funds pending response from XXXX Bank. 

During the course of communications with XXXX Bank and Wells Fargo Bank, all parties were made aware of the time sensitive nature of the matter and that prompt action was needed to not only ensure return of the wire transfer funds, but to also prevent losing our ability to purchase the home of our dreams and suffering additional financial loss by losing our earnest money deposit. 

I am submitting this in hopes of expediting the process of getting my wire transfer funds promptly returned so that I may finalize the purchase of our new home.
Consumer complaint received 2022-12-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TOYOTA MOTOR CREDIT CORPORATION (MD)

NOTICE TO CEASE AND DESIST To whom this may concern, On XX/XX/2022 a form of communication in an attempt to collect an alleged debt was mailed to me. I do not know who XXXX XXXX XXXX XXXX is, I certainly did not give my personal information to you and I did not consent to you communicating with me. 

Pursuant to 15 USC 1692a ( 2 ) - The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.

You are a debt collector and you are implying that I, a consumer, owes a debt. Trying to collect on an alleged debt in the amount of {$4000.00}. That is a violation of 15 USC 1692b ( 2 ) Pursuant to 15 USC 1692c ( c ) - I am refusing to pay this alleged debt and it is my wish that you cease any further communication in connection with this alleged debt, that includes communication with anyone, especially any consumer reporting agency. 

Do not report anything on my consumer report, you do not have my consent. 

Pursuant to 15 USC 1692c ( c ) ( 3 ) - As the original creditor, I am invoking my specified remedy, specified remedy includes the following ; -An apology for contacting me without my permission, including a notice that your further efforts are being terminated - A check in the amount of {$2000.00} addressed to me, the consumer for violating my consumer right to privacy by contacting me without my permission and for implying that I owe a debt
Consumer complaint received 2021-12-09
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: RMS-Recovery Management Services, Inc. (AZ)

I received this attachment notice of owing fees in the amount of {$5900.00} to XXXX XXXXXXXX University. I discussed with a rep from XXXX over a year ago this with a veteran liaison this debt is false reporting collections. Now this has resurface under a recovery management service. I am a XXXX veteran and my school loans and debt has been approved and removed under the Permanent Disability Discharge Act as of XX/XX/2021. I have not received any services from XXXX and have reported this several times. During the time I was requesting services I never received any items in time of need for courses and reached out and no one responded in a timely manner.
Consumer complaint received 2021-04-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (WI)

The collection agency has engaged in the following practices, which violate the federal Fair Debt Collection Practices Act : Repeat calls as harassment RoboCall They call numerous times Illegally Inform a Third Party About Your Alleged Debts repeatedly calling relatives, family and friends Collectors are not allowed to inform anyone about your debts. No verification of this debt. 

They are supposed to send within 5 days a written communication and they have not. Calls repeatedly throughout the day. 

Pursuant to my rights under federal debt collection laws, please cease all collection activities you have taken or are considering taking. Also, had multiple hospitalizations in the past years, so must avoid stress. I am retired and on low income. This includes high-pressure collection activity and lawsuits. I am requesting that you cease and desist communication with me, as well as my family and friends, concerning this and all other alleged debts you claim I owe.
Consumer complaint received 2021-08-24
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (WA)

My USBank ReliaCard card has been blocked for nearly 3 weeks now. To move forward in the process to get the card unblocked I had to prove my identity. Ive submitted my drivers license photo and I also submitted a photo of my face to their fraud department website to get my card and account unlocked so I can use my funds. I have done that twice so far and every time I call their customer service line nothing gets done! Every worker gives me the same answer of give it 2-3 business days and call us back. This isnt ok. There is no fraud and has never been any fraud on my account. They are simply holding my funds XXXX that I need to use on groceries, bills, toiletries. I havent been able to pay my bills. I am begging that yall infiltrate this situation and close the account and card so I can reopen a new one so that I can have my funds released to me. They didnt even have the decency to alert me that my account was being locked. Please help! Im facing cutting of services. I have nearly {$400.00} sitting in the account. Also when I call they now just hang up after a certain amount of time as if theyre trying to avoid me. Or they simply dont answer my calls anymore.