davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

Debt not mine. It is showing up Wakefield and Associates from a hospital called XXXX XXXX XXXX. Please have Wakefield and Associates remove from my XXXX credit report. Someone has been using my social security number and they 're a lot coming up on my XXXX. It is showing negative. Please have them correct this and have the report updated. Amount is for {$120.00}. I am refinancing my home and the mortgage company needs this removed from my credit report. Please update positive and remove.
Consumer complaint received 2022-08-10
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 am a victim of identity theft. Someone used my name and my social to open accounts with multiple companies. Now they are on my credit report and reporting under collections and as charge offs. I do not have any knowledge of these accounts and I do not know where they came from. I have reached out to the companies, and they are no help. I have filed an FTC report and I mailed a letter to the credit reporting agencies. This has not helped ; thus, these accounts are still reflecting on my credit report.
Consumer complaint received 2017-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MA)

A month ago I contacted the institution and inquired about a rate reduction on my credit cards, in light of recent financial hardships. Upon which, I was informed by   USAA agents that the only way they could do a rate reduction was if the account was in the rears and deficient. Following the deficiency, your company would then close the credit cards and afford a reduced interest, in order to pay off the balance.
Three   weeks following that conversation, I contacted customer service again, and in fact was late on my payments that were due. The agent then acknowledged the previous conversation, and proceeded to close my two  XXXX   XXXX  cards with USAA, and then informed that she would be transferring me to another agent to adjust the interest rate so the card could be paid off. Upon transfer, the next agent claimed to have no knowledge of any interest rate reduction policy, and refused to help.     The fact that the subagent advised, that in order to receive a reduced interest rate, I would have to first be delinquent on my account, is the first issue. The second issue is that in light of the closures, my credit worthiness has been affected adversely and also created a legal detriment to my financial standing.     As a result of the subagents advice and actions, the company has violated various federal statutes, to include the FDCPA, and  UDAAP, of which provide fines and penalties against the offender, and provide support of compensatory or punitive damages ( or both )  to an affected party, as a result of the wrongful acts of the banking institution.
Consumer complaint received 2018-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I made a purchase at XXXX in XXXX, GA in XX/XX/2017. The store clerk persuaded me to apply for a XXXX card to get a special discount on my purchase. After a few weeks I realized, I hadn't received the card or bill, so I called XXXX and discovered they had the city of XXXX for my address. The receipt for my purchase however had the correct city of XXXX, GA for my address, so I have no clue why my card application was processed with an incorrect address. Anyway, XXXX corrected the problem, refunded all penalties and interest, and I immediately paid the bill in full. When I asked about the impact on my credit report, XXXX assured me it would be cleared up after 30 days. At this point, only Transunion is refusing to cooperate. My credit score from TU is 100 points lower because of this payment which was originally reported as late. I have tried to dispute this transaction with TU, but they keep over-ruling my objection because the information is technically accurate. The space TU has allocated on their dispute site wont let me enter this much detail, but this is clearly the creditors mistake and TU is failing to investigate the matter properly. This payment should not be affecting my credit rating as it has nothing to do with my ability or willingness to pay my obligations promptly
Consumer complaint received 2017-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc. (KY)

I had to XXXX from duty station to another. I submitted my signed orders ( which by law should have taken me out of my lease ) to XXXX XXXX. The property manager continued to charge me rent and charged me other fees as well. They did not repay me my security deposit either. Instead, they sold a fraudulent debt to a shady collection agency, namely Carter-Young.
Consumer complaint received 2021-08-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (AL)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney  in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX  Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Consumer complaint received 2017-04-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I owe USAA about  XXXX  in credit card debt at 18 % interest. The card is closed. I lost my fulltime job last year when I experienced a health crisis and have been sporadically part time employed since then. I am also going to school this semester to use my post  XXXX  GI bill benefits. I can not pay more than about {$100.00} amount but my bill is usually upwards of {$150.00} and they add a late fee every month. I have asked for a reduced rate and if I could qualify for some sort of hardship program such as  XXXX   XXXX  gave me. They referred me to an in house member debt assistance which told me I do not qualify since I have too much debt to be successful in the program. This has been going on for about 2 months. Recently in the pa st 2 weeks they have started calling every single day at least 3x. Wh oever calls does n't seem to know much about my problems, so I have to explain every single time, I think that they do n't even bother to keep notes.
Consumer complaint received 2017-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (SC)

asked company to validate that I had a contract with them or anyone else for the account and they refused. sent letters requesting validation and disputed at credit bureau.   XXXX   XXXX   XXXX   has the incorrect birth year for me and I believe this belongs to someone else.
Consumer complaint received 2017-07-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TN)

This debt is showing up on my Experian credit report as an unpaid collection. The amount is {$50.00}. I have know that this debt is not mine as I have several listed on my Experian report. I need XXXX XXXX to remove it from my Experian report. Someone has used my social security number at a hospital and that why this collection is showing negative and a collection on my credit report.
Consumer complaint received 2017-07-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I am writing about a collection on my XXXX credit report. The collection comes from XXXX XXXX. Portfolio Recovery XXXX is handling the collection. I have been a victim of identity theft and someone setup account with several credit card companies acting like me and never paid them. I have report this on all my credit reports. There is a fraud alert too. The amount is showing up as {$1300.00} and as a negative collection. I need Portfolio Recovery XXXX to remove it completely from my XXXX report. I am refinancing my home and they indicated that it would have to be removed and corrected before I can move forward. I am just being honest.
Consumer complaint received 2017-07-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TN)

This debt comes from XXXX Bank and list for {$1000.00}. Someone used my social security number with XXXX and set up an account and never paid for it. I need XXXX XXXX to clear and update this debt as positive and remove it from my Experian report. I am refinancing my home and I can not until this is corrected. The fair and honest thing to do is to have it removed as I have been a victim of idenity theft and that has been reported on my credit reports.
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Statebridge Company (NJ)

Dear Statebridge, Attached is the XX/XX/2021 response letter from XXXX XXXX XXXX to CFPB Complaint # XXXX. 

XXXX  has advised that there was transfer of servicing rights from Statebridge to XXXX for account # XXXX. 

XXXX XXXX XXXX issued the attached IRS Form 1099A naming themselves as the lender for account # XXXX for property : XXXX XXXX XXXX XXXX, FL XXXX Please provide proof of the servicing transfer from Statebridge to XXXX XXXX XXXX for account # XXXX. 

Please provide a full accounting and all records pertaining to account # XXXX for property : XXXX XXXX XXXX XXXX, FL XXXX Though there is reference to the property address, the attached XXXX XXXX XXXX XXXX XXXX XXXX XXXX Loan Sale Agreement does not appear to include account # XXXX. 

Thank you for all your assistance in rectifying this IRS Form 1099 reporting matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX
Consumer complaint received 2018-01-10
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I filled out a application online for a car and on the website it says that there will be no credit check. This happen on XXXX XXXX 2017 they also try to get money from capital one which is now on my report
Consumer complaint received 2017-11-13
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: Resurgent Capital Services L.P. (SC)

I filed a complaint against this company a few weeks ago and they responded stating that the information thats being reported on my credit was inaccurate and that they would be requesting to have it removed ; however, that information is still being reported on my credit and its causing my score to drastically drop. I need this fixed ASAP!
Consumer complaint received 2017-04-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (NY)

Please consider this correspondence  to be formal notice that your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). The loss  mitigation package was provided to your office on  XXXX / XXXX / 2017  - On  XXXX   XXXX  we left a message for the lender requesting an update to the review - And again on  XXXX   XXXX  - On  XXXX   XXXX  we were able to get in contact with  XXXX  ID #  XXXX  - We were advised by  XXXX  of the docs needed for the review - he advised that if the missing items could be provided the same day that he would enter a request for the FC to be postponed. this has not been done and we are requesting a postponement of the FC for the review to be completed.
Consumer complaint received 2018-03-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

This has been an ongoing thing since XX/XX/XXXX when I split up with my now ex-husband XXXX XXXX XXXX he stoled my safe with my social security card ID passport and IDs passports and social security card and birth certificates of my children as well as myself then. In XX/XX/XXXX my purse was stolen that was my second identity theft but those people were caught and prosecuted then my Third identity theft XXXX XXXX found me again in XXXX Pennsylvania back in XX/XX/XXXX broke into my apartment and wrecked it to steal my identity again and now this is the fourth police report from Identity Theft just this XX/XX/XXXX so someone oviously has it out to destroy me. I need my number changed but social security refuses to do so.
Consumer complaint received 2018-03-26
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BB&T CORPORATION (TX)

XXXX XXXX keep contacting XXXX XXXX on XX/XX/XXXX and another date in XX/XX/XXXXwho I put as a reference and is sharing confidential information with him about my loan. His name is not on the loan, therefore no one should be sharing with him any information about my past due payments, etc. he should only be contacted and asked to reach out to me to get me to call them about my loan but not share with him my personal info. I want this to stop immediately!
Consumer complaint received 2017-09-19
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. (IL)

Equifax - the data breach this year is unacceptable - and with the company refusing to acknowledge the breach until recently shows a blatant disrespect for the people they serve.
Consumer complaint received 2021-08-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

Back in XX/XX/2021, I applied for a mortgage with Amerisave and XXXX to refinance my current mortgage loan. I provided all my income info to both lenders. I decided to go with XXXX instead of Amerisave because they could not match the rate and fees. A month later, the loan officer, XXXX XXXX XXXX XXXXXXXX from Amerisave emailed me again asking if I was still working on refinancing my home loan because rates were lower. I replied saying yes I was interested and the rates she gave me was still higher. A few days later she called me again saying she spoke to her VP and was able to get me a {$2500.00} credit towards closing cost. I said ok lets proceed and she told me to pay the {$500.00} application fee ( eventhough ) I already submitted an application ) before we can go any further and the application fee will be credited back at closing. I made the payment because the loan officer made it seem like there is no issue since she got the VP to give me {$2500.00} credit. 3 days after I make the payment XXXX calls me saying my income was too low and did not qualify. We went thru the income info again with the amt of my OT and bonus which was the same info I gave her back in XXXX when I first applied and she said it looked good and will submit again to underwriting. she calls me 2 days later to say I still dont qualify because they can not consider OT and bonus in my income. I was pretty upset because she had all this info at the very beginning so she would have known if I qualified or not and why would she not know they can not include OT and bonus pay in income calculation. I told her fine, please refund my {$500.00} fee I paid. XXXX 's response was she will submit a request for the refund but there is no guarantee I will get it back. it has been 3 months and I did not hear from her again nor got my refund. A few weeks ago got an email and a letter from XXXX and Amerisave saying I am pre-qualifed for a home loan. I felt both the loan officer mislead me into thinking I was already qualified and had me pay the {$500.00} application fee then a few days later tell me I'm not qualified. No other lender charges an application upfront and they will tell you if you qualified or not. I felt Amerisave 's actions are very deceptive especially during this time when money is very tight for many families. Hopefully you can help me resolve this issue and get my refund back.
Consumer complaint received 2018-01-10
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (FL)

We feel that we were given misleading information about the balance owed on a new Hyundai Elantra. We voluntarily gave the car back to Hyundai. Settlement amount was {$8200.00} We paid to XXXX XXXX XXXX We have a XXXX balance. Hyundai is reporting that we have a balance of {$3400.00}
Consumer complaint received 2019-10-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MD)

On approximately XX/XX/2019, Santander Bank removed my opening deposit from all my accounts causing many of them to go into overdraft. This was done without any contact from anyone at the bank. 

I received a letter ( which I have attached ) from XXXX XXXX saying all funds would be refunded which has not yet happened. My husband and I have received only {$4500.00} of the {$6500.00} we are expecting to receive from the letters XXXX XXXX has sent. 

I have yet to receive account statements, I have yet to get a follow-up call from XXXX XXXX after my husband and I have left messages. 

I am requesting the overdraft fees be refunded on all our accounts as we did not authorize the transactions to take place and had no knowledge this was happening. I would also like to receive a copy of what credit cards you have refunded the money to, because I have yet to receive all of the money. 

Thank you for you quick reply as I will be filing another complaint if this goes on my XXXX   report. Banks should not be able to take money from someone without consent, charge overdraft fees, and not give the money back to where I was originally charged.
Consumer complaint received 2021-03-24
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. (TX)

I'm asking that these accounts be removed and block from my credit report. i receive a copy of my credit report and i noticed a handful of accounts and unauthorized credit inquires on my report. i then contacted the 3 credit bureaus because i suspect it to be fraud. none if the account listed are related to any transaction done by myself.
Consumer complaint received 2017-07-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (NC)

my apr is 0 % when i opened this account i sent letter via ua mail tracking # XXXX. letter stated i dont agree with the apr increase to 22+ % and the monthly payment increase and i will continue my monthly payment {$60.00} a month. i dont agree with the monthly payment increase when i 1st got this account the payment was under {$60.00} and the apr was zero 0 %. the letter i got back said my apr is 22+ % and my payment has increased. it is not fair they can increase a payment any time they feel like. at this point i refuse to pay anything more then {$60.00} a month and dont care what they do to this account. i 'm not refuseing at my free will i just dont have the money to pay.