davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: URS Holding, LLC (AZ)

I am a victim of identity theft. Someone opened a credit card account with XXXX XXXX XXXX and now the account is with the debt collection agency XXXX XXXX XXXX XXXX. I have been receiving harassing telephone calls at XXXX XXXX  daily from XXXX XXXX XXXX XXXX representatives who has been using abusive and profane language against me, making death threats and threats of legal action for a debt that dont belong to me, and is the result of identity theft. I have never applied for a credit card with XXXX XXXX XXXX. The debt is not mine and dont belong to me. XXXX XXXX XXXX XXXX is in violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal law.
Consumer complaint received 2021-01-30
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. (NJ)

XXXX XXXX XXXX ran my credit without authorization on XX/XX/XXXX and XXXX. They have admitted they did this in error but as far as I can determine nothing has been done to remove these authorized inquiries from my XXXX and Transunion credit reports.
Consumer complaint received 2016-10-21
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

I had a first and heloc with Wells Fargo Mortgage ( WFM ). I notified WFM that I was selling the home with the intent of paying all my obligations to WFM, and requested payoff notices for both loans. In a timely manner, I received the payoff notice for the first, but not the heloc. I continued to request in several more calls and finally, only days before close, did I finally receive a notice in the form of a demand, which was in fact PIF at close of escrow. Simultaneously to or at about the same time as WFM sent the demand and knew full well that my intent was to PIF, WFM reported to CRAs that I defaulted on the heloc and have refused after my repeated attempts to correct. This is of course disasterous and I need help. I have just received a wonderful new job offer that requires relocation and I am fearful that I will have trouble securing a home to rent. Thank you.
Consumer complaint received 2021-06-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (DE)

I'm on forbearnce plan with XXXX  XXXX XXXX XXXX i have been making my monthly payment from XX/XX/21. thats 5 months.=XXXX. they have not credited my account for these payments. Also, my bank states payments have been made. customer service transferred me and waitting over 1:30 minutes now for update on my account? tis has become very stressful. No one is telling me where my payments went? please help.
Consumer complaint received 2019-11-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I tried to dispute the hard inquiries that were placed on my account around the same time. I was looking for an auto loan and the company apparently tried many lenders. I was under the impression that if you're trying to get an auto loan it should only be recorded once and not 3 or 4 times. My bank is the one who approved me and shouldve been the first one tried. It was the bank i was approved for. There are multiples on the same day and others that were filed on consecutive days when I've only been to one dealer and only submitted information 1 time. The hard  inquiries are incorrect and I need to know where they came from and why. The credit companies said they cant dispute inquiries. Please help! They were placed in XX/XX/XXXXt through XX/XX/2018 i believe.
Consumer complaint received 2018-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OR)

At XXXX today I received a text from XXXX notifying me of a change on my credit report that I should look into. This is the free service provided by Equifax as a result of their huge security breach. The web page for log in does not load. The equifax website itself has no working contact info. No phone, just a chat box that does not work either. My browser is fully updated. This is outrageous that Equifax is still allowed to operate without consequence in this manner. I want your agency to fix this problem.
Consumer complaint received 2022-01-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EnTrust Funding (MD)

On Friday, XX/XX/2022, I received a letter from Entrust Funding, LLC ( see attached ). As indicated in the letter, by refinancing my mortgage at a rate of 2.25 % for thirty years, I would be able to lower my monthly payment to {$1500.00} ( from {$1700.00} ), and thus receive annual savings of {$6600.00}. 

Since my current mortgage rate is 3.25 %, I contacted the EnTrust Customer Support Representative XXXX XXXX XXXX to find out how I could take advantage of the offer. XXXX told me that the offer was for an XXXX  loan and that I would need to purchase Mortgage Insurance amounting to approximately {$200.00} per month. If I agreed to purchase such insurance, the benefit of refinancing would disappear since the total new payment ( mortgage + mortgage insurance = {$1700.00} ) would be approximately equal to my current payment of {$1700.00} per month. 

I told XXXX the letter received from Entrust was misleading ( bait and switch ), and I was not interested in pursuing the matter any further. After I hung up, I received a phone message from a XXXX XXXX XXXX (? ) ( XXXX ) who claimed to be an EnTrust VP. When I called back, I couldn't reach XXXX XXXX. 

I am making this complaint because I feel the EnTrust letter was misleading and that the offer made was not serious. The only possible harm I have suffered is the possible hit on my Credit Score due to the credit inquiry made by EnTrust. Also, given the shady nature of the EnTrust offer, I am somewhat worried because I provided my SSN and my wife 's SSN to EnTrust.
Consumer complaint received 2020-10-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2020 I sent a certified letter to XXXX XXXX XXXX Account No. : XXXX as well as the credit bureaus to validate the collection debt reflected on my reports. I asked them to provide the following items below for validation : An explanation of what this alleged account balance is for. 
A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
Documentation showing, I agreed to pay this debt The Agreement that grants authority to collect on this alleged debt. 
A copy of your state license, including license number. 

They have violated my consumer rights and failed to validate this debt at my request ; which is an FDCPA violation and they continued to report a disputed debt which is an FCRA violation. The FCRA requires the company and bureaus to verify the validity of this debt within 30 days. If the validity can not be confirmed, they are obligated by law to remove it from my credit file.
Consumer complaint received 2018-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Information Bureau, Inc. (FL)

XXXX XXXX XXXX has placed a collection in the amount of {$470.00} to all credit bureaus that does not belong to me, after contacting the company requesting proof of such debt, they have refused to send any proof of this collection
Consumer complaint received 2021-11-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CarMax, Inc. (TX)

THIS COMPLAINT IS IN RESPOND TO THE COMPANY 'S LETTER THAT WAS SENT WITH NO DATE NO. AN ORIGINAL DISPUTE WAS FILED REQUESTING A REFUN FOR THE WARRANTY THAT WAS SOLD BY CAR MAX, NOT THE VEHICLE BUT THE WARRANTY. CARMAX SENT A RESPONSE STATING I REQUESTED A REFUND FOR THE CAR, LIES. WHOEVER RESPONDED TO THE COMPLAINT OBVIOUSLY NEEDS LESSONS ON COMPREHENSION. WHEN I WAS SOLD THIS CAR, I WAS THE EXTENDED WARRANTY WOULD COVER EVERYTHING, AND I WOULD NEVER WORRY ABOUT OUT OF POCKET COSTS FOR MORE THAN XXXX DOLLRS OR SO, WHY? BECAUSE CARMAX 'S WARRANTY WOULD COVER IT. I WAS TOLD THIS WARRANTY WAS THROUGH CARMAX NOT A 3RD PARTY, TILL THIS DAY I DON'T KNOW WHAT THIS SO CALLED WARRANTY COVERS, I HAVE ASKED FOR INFORMATION VIA PHONE AND WHEN I RECENTLY WENT TO MAKE A PAYMENT AND IT STILL WAS NOT PROVIDED TO ME. I AM PAYING FOR SOMETHING I AM GAINING NO BENEFIT FROM, EVERY TIME THERE IS AN ISSUE, I AM TOLD THE WARRANTY THOSE NOT COVER IT, BUT FACT IS DURING THE PURCHASING PROCESS I WAS TOLD OTHERWISE. I WANT A REFUND OF THE WARRANTY BECAUSE I WAS LIED TO PURCHASE IT BUT NOW I AM BEING GIVEN THE RUN AROUND. IF YOUR SALES PERSON GOT THE INFORMATION WRONG, THAT I SON YOUR COMPANY NOT ME, I KNOW WHAT I WAS TOLD, THAT IS WHY I BOUGHT IT IN THE FIRST PLACE. THIS COMPANY NEEDS TO BE LOOKED INTO, THIS IS UNACCEPTABLE ON MANY LEVELS.
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I am currently having an issue logging on to My Equifax to see my credit report and also by using 3rd party companies to see my Equifax report. I was able to see my reports before XX/XX/XXXX and all of a suddenly I can not. I need equifax to fix this issue so that I can see my reports again.
Consumer complaint received 2019-11-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OH)

On Monday XX/XX/2019 my XXXX account was hacked into and the person charged my debit card {$2200.00} which caused my account to be negative. I immediately called the fraud dept of chase bank.I then called XXXX  to cancel the order, received an email confirmation that the order was canceled. chase bank said they will cancel my card and open a claim, and within 12 hrs a temp credit will be issued while they investigate the charges. Tues XX/XX/XXXX, i checked the bank, no credit was issued, i call the fraud dept back, they then tell me, there is nothing they can do because the charges are " pending '' on the account, they can only issue a credit if the charges have " posted ''. I then called XXXX, spoke to a manager, she stated there is nothing they can do about the pending charges, it is on my bank. XXXX did offer to write a letter to chase to explain the order was canceled ... Chase bank refused the letter ... so now this is day 3, my account is still negative, i have no debit card, i cant buy my children food nor diapers ... I am being held accountable for something that is out of my hands.
Consumer complaint received 2021-01-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (CT)

I discovered the debt in XXXX of 2020 and realized that the debt doesn't belong to me. It possibly belongs to XXXX XXXX XXXX XXXX NOT XXXX!. I have a police report and my drivers license that is different number than what the company has in their records.
Consumer complaint received 2020-10-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (IN)

XXXX  disclosed a collection agency by the name of AFNI, INC reported a debt the month of XX/XX/2020 on my XXXX credit report but it shows the account opened XX/XX/2020 ( via XXXX  ) without written notification about the debt which was previously deleted and is now re-aged. I also initiated a dispute XX/XX/2020 and the company has still failed to disclose the original documentation, bearing my signature, of this debt.
Consumer complaint received 2021-05-25
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC. (NY)

I have had a Robinhood account for years. It is tied to a long defunct email address and I need to access my account. Their " customer service '' people have called me by the wrong name, referred to my account as someone else, sent me instructions for someone else 's account and generally wont respond. I provided them with the verification they requested and then they changed their minds and are now claiming they need something else. My concern is that this new verification they are demanding will be uploaded to some eles account and compromise my identity. There is no way to speak to anyone at the company other than a random email address they have been ignoring me at for two weeks now. 

I want my money and I want to move away from this terrible institution that should be outlawed.
Consumer complaint received 2022-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (NC)

I opened the XXXX XXXX XXXXXXXX and paid an annual fee solely for the chance to obtain the {$400.00} bonus. I completed the 10 bill pays and was not awarded the bonus. It was deceptive that they made the offer available to me when opening the account if I wasnt eligible, even after entering my zip code. I even ask customer service reps and they said I would be eligible and just needed to wait a little longer. It is also wrong that I was sent the bonus requirements and had to sign the sheet knowing the terms where it said nothing about being Pennsylvania exclusive. I am appalled and feel deceit by this level of carelessness made by First National Bank.
Consumer complaint received 2021-06-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

hello my name is XXXX XXXX ive had mortgage transferred thru different lenders and have done several loan modifications still owe almost as much as i did when i purchased home in 2003 las t modification was extended another 8yrs with higher rate and rates were lower than they had ever been during covid so i had 22yrs they ext to XXXX for XXXX in late pymts no one at that company can explain how they came up with that math this loan was bad from the start was promised a lower rate at closing than i actually got need this explained to to because it doesnt add up
Consumer complaint received 2018-04-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am a victim of identity theft. Several years ago my office was broken into and several ID documents were stolen. I filed a police report and have attached it to this complaint. My credit file was accessed without my knowledge or approval online without me being physically present and showing an ID. I did not authorize the credit inquiry on the following dates from the following creditor : Bank of America Dates : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-03-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (FL)

They said that I received a letter and I did but I tried to faxed too many times The documents to them and this is proof of it so I need them to reply to release the funds as soon as possible before I will file a Lawsuit. They will have till Monday. Already started making repairs with my own money and that will cause to delay on payments to the mortgage..
Consumer complaint received 2021-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (GA)

I, XXXX XXXX, a natural person, and a consumer, receive my consumer report on XX/XX/2021, and noticed and have proof that I am a victim of identity theft as defined under 15 USC 1681a ( q ) ( 3 ). 15 USC 1681a ( q ) ( 3 ) -The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. 
Midland Credit Management , Inc has stated that I, a consumer, owe an alleged debt. This alleged debt has been furnished to my consumer report and is a violation of 1692b ( 2 ). See attached I, the consumer, have not given any prior consent or received any court documentation before the communication of this alleged debt. This is a violation of 15 USC 1692c ( a ) My failure to dispute the validity of this alleged debt shall not be construed as my admission of liability! 
15 USC 1692g ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
These abusive and deceptive actions have caused a denial of credit and Midland Credit Management , Inc is liable to me for actual damages sustained due to violations committed under the FDCPA. I have proof that Midland Credit Management , Inc has a history of committing identity theft against consumers by furnishing inaccurate items on consumer reports without conducting a reasonable investigation beforehand. See attached consumer complaints pulled from the XXXX XXXX XXXX.
Consumer complaint received 2021-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XXXX I was the victim of identity theft and unauthorized withdrawal of {$4900.00} from my Chase checking Account. This occurred when I called XXXX customer service to correct charges I did not make. The agent identified himelf as XXXX XXXX XXXX # XXXX. He proceeded to get access to my computer and when I was away feom PC, sent the amount via XXXX XXXX to another criminal Within an hour, I went to my Chase branch and reported the fraud, The Acct Mgr took action to report this to Chase Fraud Dept, and open new check, saving and debit cars for me, and cancel old accts. She also said she had replaced the funds to my acct. ( see Exhibit 1 ) Chase Bank has not protected me and the funds in my checking or savings accounts,. They did not inform me that the Fraud Dept didnt investigate Instead - without informing me -- Chases Claims Dept opened a claim for the transaction. The Branch Mgrs did not inform me verbally or in writing that their procedure was to reverse the loss by loaning me funds to use while they investigated claim. On XXXX I received letter ( exhibit 2 ) stating that the claim was denied. I received the letter, evening before they were to me take back the funds from my account. I called claims dept but they refused to hold up the withdrawal for me to challenge their decision and further told me their report of investigation would not be discussed or sent to me On XXXX at midnight, Chase withdrew {$4900.00} from my acct including my monthly Soc Security and XXXX retirement deposits. That day, Chase told me they would pursue me to collect the balance of funds earlier returned to me They said their bank 's procedure and policy was not to recover or replace funds stolen from customer accts if fraud happened after customer identity was stolen and used to withdraw customer 's funds. My checking account continues to show that I am overdrawn - {$2400.00}.
Consumer complaint received 2018-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (GA)

I have 3 separate loans on my credit report showing to be from Navient. With one late payment showing for each of them for the month of XX/XX/XXXX, in which I was not aware of. I emailed the CEO on XX/XX/XXXX and asked if the late payment could be removed, because one I was not aware that a payment was due because I was under the impression that my student loans were in deferment, and two I had to take a semester off from school because I had XXXX. Later on the same day I received a call from XXXX XXXX stating that she was going to look into the situation for me. I had not heard anything back so I emailed again on XX/XX/XXXX and on XX/XX/XXXX, I received another call from XXXX XXXX stating that the payment reporting late was not going to be removed because they sent me emails that, the payment was due. I let her know, that I never received an email and I never received any type of notification in the mail, because if I did I would have gotten the situation squared away, she then preceded to get an attitude saying that weather the emails went to spam or not she was not going to remove the late payment, and no nothing was ever sent through the mail because all correspondence was being sent to email. I then sent another email, and contacted someone else the same day and asked if someone else could look into this for me, because I feel as if the situation is not ethically right. Not one email, letter in the mail, or phone call did I receive from Navient. And now they have reported to all 3 credit bureaus that I have a late payment with them.
Consumer complaint received 2020-06-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC (TX)

I started receiving calls from a debt collector starting at XXXX XXXX. I answered the call multiple and there is no response from the caller. I called a variation of numbers throughout the day. The numbers are XXXX, XXXX, then XXXX. The representatives all refused to tell me who they are calling for and don't leave messages they just hang up. I have received a total of 8 calls since XXXX XXXX. I do not have an account in collections all of a sudden. The company is called Sequium and the amount owed is stated on a recording for {$2700.00}. When you choose to speak to a representative they refuse to tell you who they are looking for and disconnect the call. 
I called the number on their website and was met with the same challenge. How can they collect a debt from the right party if they refuse to tell you who they are calling for? This is my number and I do not have to disclose my identity to strangers requesting money. My husband passed away a little over a year ago and I need to know that this is not some scam because I pay my bills and this is annoying while I am working. Thank you in advance for your assistance. I am listing myself as the borrower, however, I have no idea what account they are referencing.