davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-03
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: ALLY FINANCIAL INC. (GA)

I recently received a copy of my XXXX and XXXX credit report and I notice there is an unauthorized credit inquiry made by : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX, 2016, Ally Financial XXXX XXXX XXXX XXXX, MN XXXX, XXXX, XXXX XXXX, 2016, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA,XXXX, XXXX, XXXX XXXX, 2016, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX, XXXX XXXX, 2016, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX, XXXX XXXX, 2016, XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Attn : Credit Bureau Dispute Resolution Unit XXXX Mail Coded : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX, XXXX XXXX, 2016, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX, XXXX XXXX, 2016.
I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. In addition, the creditor that provided documentation for credit inquiry to give authorization to review my credit worthiness. Did not provide an opportunity for me to clearly understand what I agreeing to. The credit inquirer 's authorization form was too complicated and not easily understood in language I would understood. I am requesting you initiate an investigation into : XXXX XXXX, Ally Financial, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX  inquiry to determine who requested this credit inquiry.
Consumer complaint received 2023-01-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (TX)

Enhanced Recovery Company ( ERC ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : The Office of Registered Agent for Enhanced Recovery CompanyXXXX ( ERC ) From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX  are authorized to administrate ( acting trustee ) on my name, XXXX XXXX XXXX together with a certified copies of signatures contract between you and XXXX XXXX XXXX , you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX XXXX require your contract for jurisdiction. 
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 
Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA. 
Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you!

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 
By : XXXX XXXX XXXX
Consumer complaint received 2023-01-28
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alorica Inc. (GA)

They have called me XXXX times within a XXXX  day period. Often times they would call XXXX times in a row. I was previously with XXXX  and then XXXX was sold to them for them to handle debts. If SST was the original company, I would have never went with them in the first place. I am being harassed by phone calls every day and XXXX never did this. I was drawn to the easy use of the website of XXXX and instead I no longer have this. The website is very difficult to use. I have called back one time to have the harassment stop however they did not answer and continue to blow up my phone around the times if XXXX. They also continue to blow up my phone while I am working and I have told them that it was my work hours as well.
Consumer complaint received 2020-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TN)

In XXXX our mortgages were transferred to Nationstar from XXXX XXXX XXXX. Our first mortgage was transferred during trial modification. Our second mortgage was transferred several months later. Our first mortgage is current and still serviced by Nationstar/ Mr Cooper . Our second mortgage has been charged off by Nationstar/ Mr Cooper and XXXX is currently attempting to collect the debt. 
We have written to Nationstar to have them explain the multiple fees added on to our account that we do not understand or that just have no explanation. Our mortgages have gone from {$88000.00} and {$22000.00} in XXXX to {$110000.00} and {$27000.00} today. After 13 years we now owe {$26000.00} more than we started with.Nothing that we have paid in 13 years has decreased our mortgage. We have never refinanced or taken loans against the property. The increase has been through fees during modification and foreclosure. We have sent a QWR to Mr Cooper. We were sent a basic print off without any details.
Consumer complaint received 2018-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

I have never done business with XXXX # XXXX, I am unaware of any contracts or sign statement with this company. I have no business dealings with them.15 U.S. Code 1692g ( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section. There is a issue never had any notice not paperwork as to the transfer of title of ownership, who is this third party collections agency.Regarding this alleged account, if Debt collector is different from the alleged Original Creditor, does Debt Collector have a bona fide affidavit of assignment to enter into original contract between alleged Original Creditor and alleged Debtor?
Consumer complaint received 2022-04-05
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act convergent accounts ; XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, and Child Support Enforcement # XXXX have violated my rights : 15 U.S.C. 1681 section 602 A states : I have the right to privacy. 15 U.S.C. 1681 section 604 A states : Consumer Reporting Agency can not furnish an account without my written instruction. I need these accounts to be removed from my credit report.
Consumer complaint received 2021-02-22
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Direct Recovery Services, LLC (TX)

I keep getting calls from a company called Direct Recovery Services ( XXXX ). They are trying to collect a debt for someone by the name of XXXX XXXX. I have informed this company over and over that this number does not belong to anyone by that name. I have asked them several times to remove my number from that account and to stop harassing me. This company calls multiple times a day and will not stop calling. Again, I am not XXXX XXXX, this isn't my debt. How can I make them stop?
Consumer complaint received 2020-05-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Security National Financial Corp (NV)

On Wednesday, XX/XX/XXXX I contacted Security National Mortgage to follow up on a automated call received on Tuesday, XX/XX/XXXX. I was advised that although it was only the XXXX of the month that I was receiving a collection call. While our due date is the XXXX of the month, our payments are typically paid on the XXXX due to income posting to our accounts to ensure no issues with the payment processing. Not once has the payment ever been past the grace period of processing or assessed a late fee. 

The Agent ( # XXXX ) who I spoke to was rude, obnoxious and threatened to hang up on me if I didn't stop talking. This while I was trying to request a supervisor to speak with. I was told there wasn't a manager available and no matter how long I held there wouldn't be anyone available and that no one would speak to me. I was told my only option was to request a call back which to date has not happened. 

Some back story, since XX/XX/XXXX, when I were furloughed from my primary employment I have been trying to coordinate with the mortgage company however their mail items, website and emails were all extremely vague as to what we can do to defer payments on our loan during this pandemic. As requested via their phone system and website, I submitted in inquiry online and after 10 days received an email that I didn't submit the email correctly and had to resubmit my inquiry again. By this time our XXXX payment was processed ( on XX/XX/XXXX ). A couple of weeks later ( XX/XX/XXXX or so ) we received an email advising that we were to approved for the forbearance ( we never requested only inquired about options ) and that we could skip our XXXX payment which was already posted to our account. The email and mail items advised that the forbearance was the only option and that we would be responsible after 3 months for the back payments plus daily interest during the time period. 

Since we are already in a financial hardship we couldn't take the risk of not staying current. We did everything we could to make the XXXX payment yet on XX/XX/XXXX and Security National still had their automated collection calls set to call us for payment on the same day. 

We are a hard working family, we were current on all payments since our loan closed over 3 1/2 years ago and being treated like we were is just wrong. Security National is not working to helps its lenders, they are providing misinformation and making it extremely difficult for their customers to get service and / or proper information from their team. 

In a time of helping people impacted by this pandemic, this company has demonstrated they are not caring or willing to assist anyone but their bottom line. It is disgraceful and someone should know. We have every intention of refinancing our home the second we are both fully employed again to ensure we don't have to give them any business or one penny of our hard earned money in the future.
Consumer complaint received 2018-04-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

XXXX XXXX XXXX XXXX is not license in the state of Georgia but they or still reporting to credit report and attempting to collect a debt that is not mine and/or is a result of identity theft/fraud. On XX/XX/2018 i have mailed a fraud package to XXXX XXXX XXXX ( PRA ) showing that that account they are reporting and attempting to collect on is not and was not the account i held with XXXX. In this package were several bills i paid to, as while as a collection letter from another debt collector showing my account number, which does not match PRA. I have asked that they remove its listing from my credit report, as i have gone above and beyond to show that PRA reports is in error and inaccurate. I also provided a copy of the police report file showing that my identity was stolen and used in prior years. To date i have not heard back from PRA, but it reporting still remains on my credit report as a valid debt when it is not. XXXX   XXXX XXXX XXXX is not license in the state of Georgia.
Consumer complaint received 2018-04-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

Hello My name is XXXX XXXX and I am a XXXX born citizen. I have been working for XXXX XXXX XXXX XXXX for over 20 years. 
Wells Fargo and XXXX  XXXX XXXX closed both my checking and savings accounts for no reason what so ever and with no explanation. 

I truly believe they closed my accounts due to my last name -I am being discriminated against!!!
Consumer complaint received 2017-08-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC. (TX)

XXXX   XXXX  , 2017 I summited a complaint through   XXXX   XXXX   and   XXXX   XXXX  . Amount is {$310.00}. The amount owed is incorrect
Consumer complaint received 2018-04-03
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. (TN)

Experian credit report agency online document submission option is not allowing me to submit my dispute supporting documents. I have tried multiple times to submit supporting document on my disputing items with this agency report. On XXXX XXXX, 2018 this credit report agency had me on hold, when called them by phone, for XXXX hours. My documents where not accepted because their upload website is automatically timing out when I hit submit.
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: JPMORGAN CHASE & CO. (GA)

There are multiple credit inquires without my knowledge XXXX XXXX  XXXX from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX In Members Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Chase XXXX XXXX XXXX Inquiry from XX/XX/XXXX Chase XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Chase Card Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2017-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

XXXX XXXX XXXX card by Citi no longer provides return envelope for paying your credit card bill. It is the only credit card company that I know of that refuses to send envelopes for payment. They stated it is part of cost-cutting initiative. Consumers should be protected from company policies that most likely will result in consumers paying late fees or finance charges. The risk of that is higher because Citi policy makes it harder and more cumbersome to pay your bill. They say consumers have different options to pay bill ( I.e. By phone ) - this creates a higher probability that consumers fail to pay on time due to failure to remember to call on time. Most check writers belong to older population. Protect the seniors of our community from major credit card companies such as Citi.
Consumer complaint received 2018-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/2018 XXXX XXXX XXXX, Credit Card Division requested a balance transfer which was an error. I spoke to XXXX XXXX customer service who instruction me to contact Bank of America on the electronic error of {$1800.00}. Supposedly, XXXX stated I needed to contact Bank of America to correct error and have them send back the money to my account. I did that and later received a letter of confirmation of them sending the money back. I called them a second time about the transaction getting back into my XXXX XXXX account. The rep stated that the money must go back to the account it came from and will be held in 7- 10 days. Nothing happen so I followed back up after XX/XX/XXXX and called again. Different rep ( XXXX ) and did some research who stated the money is going to mt business checking acct with XXXX XXXX, which is not back on my Visa credit card acct with XXXX XXXX. Again, expect 7-10 days. Nothing again and I called XX/XX/XXXX and spoke to XXXX with Bank of America, now she is telling me they are mailing me a check. I called again because of the mixed message of funds being released and where, plus received another letter XX/XX/2018 stating they mailed me a check but never cashed. Well, my wife and I check our mail daily, but never received anything. So, I believe Bank of America reps are lying and flowing money to make interest!!!! Another problem, the last two calls I ask for an XXXX or Department manager on the Escalation Division, but not able to or nor did any rep call me back after they said they would research with more information. Still have not received my money and it's XX/XX/XXXX now!!! The contact information in the letter is the following : Bank of America, XXXX XXXX XXXX, XXXX XXXX, TX XXXX, XXXX XXXX XXXX, XXXX, case numbers XXXX and XXXX. 
If consumers are smart don't do any business with Bank of America. Poor consumer service, will tell you lies to get you off the phone, have no integrity and honesty. Bank of America is to big and do not care for consumers!!!
Consumer complaint received 2017-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (VA)

I have contacted this company repeatedly to advise the car was purchased back and paid for by the dealership XX/XX/XXXX and the funds for the vehicle were cashed in XX/XX/XXXX and the remaining balance was sent and cashed by the company on XX/XX/XXXX. They have now falsely reported to my credit a late payment to a car I have not had in over 6 months and in their system their last payment of record is XX/XX/XXXX which is incorrect. They have made my credit drop 51 points!!!! I even gave authorization for the dealership to contact the lender to provide the check number amount and confirmation of the check being cashed. This is not fair to me or my family!!
Consumer complaint received 2018-04-03
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

I have been banking with WellsFargo for two years and my business account for 7 months and they sent me a letter stating they will close my account on XX/XX/XXXX, I called the 800 number and all they would tell me is I am high risk, I need a better answer than that, Its really sad I have been with them for two years and all they did send me a letter told me we will cancel my account on the XXXX and they do not want to tell me the reason! 
Thanks very much for the help
Consumer complaint received 2018-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I have never done business with PORTFOLIO RECOVERY # XXXX, I am unaware of any contracts or sign statement with this company. I have no business dealings with them.15 U.S. Code 1692g ( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section. There is a issue never had any notice not paperwork as to the transfer of title of ownership, who is this third party collections agency.Regarding this alleged account, if Debt collector is different from the alleged Original Creditor, does Debt Collector have a bona fide affidavit of assignment to enter into original contract between alleged Original Creditor and alleged Debtor?
Consumer complaint received 2020-08-31
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. (AR)

I RECEIVED A CALL FROM A STUDENT loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX {$270.00}
Consumer complaint received 2023-04-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc (OK)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Oklahoma XXXX Credit Fresh Acct # XXXX Phone # XXXX I started a loan with this company in XXXX XXXX XXXX  When I made my first payment I noticed my {$5000.00} loan went up to {$5500.00}. I made an {$550.00} payment and they added on {$500.00} to my balance. I called and they promised Me that the balance would go down after making more payments. They said that they were charging me a billing cycle charge each payment. These biling cycle charged are 98 % of any payments I have made so after several attempts for them to stop these shady practices I'm on my 10th month of making payments on a {$5000.00} loan and my balance is {$5100.00}. I have made {$5200.00} worth of payments to this company and still owe more then what I borrowed. This is the worst predatory lending I have ever seen. I am a XXXX veteran on social security and I can't keep giving this company free money after I have already paid them more then what I borrowed. These fees, and charges were hidden. Please help me stop them from taking advantage of me and any other people. 

XXXX XXXX XXXX XXXX XXXX XXXX.