davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: SECURITY FINANCE CORP (FL)

I bought a new suv and XXXX XXXX XXXX which they failed to disclose they stopped reporting years ago an the company they have my loan with which they own PFS has been licensed in the state of Florida. XXXX XXXX has been sued before for fraud and I am filing federal charges for fraud as well. 
This company is frauding hundreds of consumers from coast to coast knowing they dont have to report but not disclosing that during loan signature
Consumer complaint received 2018-02-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (CA)

On XX/XX/XXXX my XXXX XXXX car payment was due of {$390.00}. 
I only had {$390.00} in my US bank account & due to low funds I was charged an over draft fee. Unaware, I paid the overdraft fee, but told them since I had {$0.00} in my account if they can prevent any payments from being swiped. 
They agreed, yet they allowed 4 other payments to go through saying that those are " automatic payments '' & cant do anything about those. I was really upset. 
I now have {$260.00} in debt with US bank so I have cancelled my bank card with them & no longer a member. 
However, I am here trying to fix my situation & not in the position to pay any of the funds, let alone the overdraft fees.
Consumer complaint received 2021-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Betterment LLC (AZ)

Betterment froze my acct due to what they thought was fraud, it was not and I explained the situation and provided them via email a copy of me and my drivers license as requested a week later and after calling everyday still frozen. I cant pay my bills no one will return calls. Then they ask for my sons Drivers license and him holding it, which we did and still nothing. Its been over a week. I finally get an email today saying they closed my acct and now I have no idea where my money is or how to get it as no one will respond. This is going to make me late on my bills and destroy my credit score.
Consumer complaint received 2021-08-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ARS National Services, Inc. (SC)

This company continues to call my place of employment. On XX/XX/2021 I sent them an email telling them they do not have permission to call me at work. 
I have left them messages when I call them back multiple times.
Consumer complaint received 2020-01-25
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. (NC)

XXXX XXXX XXXX XXXX stated that they can verify their information. I request their information method of verification. The use of the last four of ones social security number is not a method of 100 % verification. It is Not my responsibility to to confirm their information to them. Please confirm you information to be true.
Consumer complaint received 2018-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

A check was written for my rent on XX/XX/XXXX. Though Capital One shows the check cashed, there is no signature endorsement on the back. My landlord said she did not cash this check, as she always signs it. I have called Capital One since XX/XX/. They are constantly saying their 'fraud team ' or their 'management team ' is handling this and will get back to me. I keep calling over and over and nothing is being done. How long can it take to find out where this check was cashed? I don't understand why they keep jerking me around. I have wasted hours and hours on hold while someone contacts " their manager '' or the person in charge or whatever. It's almost laughable now when they tell me they will have someone get back to me. This has gone on far too long and I feel they are not even handling it. I have copies of the front and back of the check.
Consumer complaint received 2021-08-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

On XX/XX/XXXX of XXXX I closed on a streamlined mortgage refinance with Lakeview with a representative, XXXX XXXX. After my closing, I received a call saying that the payoff for my original loan was shorted. XXXX did whatever needed to be done to get this resolved. When I signed the refinance documents, the note said that my first payment due was XX/XX/XXXX. After the payoff was shorted and that was resolved. I was told over the phone that my new payment was on XX/XX/XXXX. I emailed XXXX immediately and she confirmed and sent me a screenshot showing the new payment date. In the mail, I received my welcome letter from the loan servicing company XXXX XXXX, with my account number, servicing information and the first payment due on that letter also said XX/XX/XXXX. Even if I was supposed to make the payment on XXXX I would have never been able to because I had no access to do so until XXXX. In XXXX, I made my payment and noticed that the new due date did not change. I looked at the history of my payments and they reversed my payments to reflect a first payment was due on XX/XX/XXXX without even notifying me. I have called and emailed them for the last 4 months trying to get this resolved. Every representative Ispoke to said they will take care of it and nothing has been resolved. I called XXXX, XXXX had her boss reach out to someone and it was still not fixed. This is destroying my credit, I have accrued late feed and I've had enough. Please help me get this resolved and report them in whatever way you can.
Consumer complaint received 2021-06-02
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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (CA)

i filed a dispute in regards to the incorrect items on my credit report.It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2019-11-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (WA)

I used to have a credit card with my ex husband with XXXX and the credit card was assigned to him in the divorce. I have given American Coradius international proof of the court order and the fact that my name was removed from the XXXX account but they continue calling me. 
Specifically, XXXX XXXX ( might not have given me his real name ) lied about the fact that he had not received the court order or that my name was not on the account anymore. 
The tactics used by this company and Mr. XXXX are illegal.
Consumer complaint received 2018-02-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JH Portfolio Debt Equities, LLC (TX)

JH Portfolio Debt Equities reported a debt on my credit and i have no idea who they are. I have sent several letters validation and or proof of my signature on any documents, paperwork, Ect. I have not heard back from them and its still on my report. I'm going to fight this to my last breathe. 
Beware of : JH portfolio debt equities. 
XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2021-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I requested validation for the bankruptcies dismissed appearing as public records in my file. The credit bureau stated they verified with US Bankruptcy courts. The US bankruptcy court informed they do not share or verify with bureau. 
Per Civil Case No. 3:15-CV-00443-MHL, James Jenkins , Et Al., v. Equifax Information Service , LLC, the source is unknown for their information on these bankruptcies and due to this, has violated the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXXXXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2024-03-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY (WA)

My home was foreclosed upon in XX/XX/scrub> 2011 by Wells Fargo Home Mortgage. 

Wells Fargo denied a Loan Modification request I made a few months prior to the aforementioned foreclosure date. 

Wells Fargo did not spend any time considering this Loan Modification Request. I know this to be true because Appraisers were coming to my property and doing exterior appraisals on my home. They knew that they were going to foreclose. I know this because I was an XXXX  for 22 years. I was a XXXX XXXX XXXX XXXX  and was on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

A few years prior the 2011 foreclosure on my home, I had a followed all of the terms of a Loan Modification between Wells Fargo and I. This home was owned by me for approximately 12 years. 

In XX/XX/year>2011 +/- I received a call from Wells Fargo stating that they had a check for {$1300.00} for me. This was after they foreclosed. Wells Fargo failed to log a payment!
Consumer complaint received 2022-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently noticed a inquiry on my credit report. A inquiry that I did not recognize on my credit reports from XXXX XXXX XXXX. Also, I started receiving emails from this bank
Consumer complaint received 2021-06-09
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: Santander Consumer USA Holdings Inc. (NY)

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2022-04-30
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: EQUIFAX, INC. (NC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, as violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-06-09
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. (CA)

On XX/XX/XXXX, I checked my bank account and found that there were 7 unauthorized transactions, 6 of which were for the amount of {$48.00} and the 7th was for the amount of {$47.00}. All of these transactions were from the same source, a XXXX account called XXXX. Keep in mind that this is not my XXXX account and when I checked my XXXX accounts, no unauthorized transactions show up in my history. 

So I called Chase 's Fraud department and spoke to a rep as soon as I saw the charges in my account. They put in a claim and told me it would take a few days to get reviewed. My debit card was closed and I was sent a new one in the mail. After a few days, I received a reversal credit for 4 of the charges and the following day, the rest of the the transactions were reversed. 

Now, XX/XX/XXXX, I checked my account and there was a Claim reversal charge of {$48.00} on my account. The bank sent me a letter saying my claim had been reviewed and they found the charge to be legitimate and some my claim is closed. I have tried calling the Chase Fraud team multiple times since receiving this letter, but they double down on what the letter says. 

It is so frustrating because I feel like I can't trust my bank. I did not make these charges. XXXX is out of XXXX. I live in the United States. These transactions are not from me.
Consumer complaint received 2024-03-17
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P. (CA)

I am writing to file a formal complaint against LVNV Funding regarding their unlawful disclosure of my debt information to unauthorized individuals, specifically my family members. 

In lat 2023, I became aware that LVNV Funding had been contacting my mother and other family members, disclosing details about my outstanding debt without my consent. This breach of privacy has caused significant distress and embarrassment to both myself and my family. 

As a consumer, I have the right to privacy and confidentiality regarding my financial matters. LVNV Funding 's actions not only violate my rights but also disregard ethical standards and professional conduct. 

I demand tha

t LVNV Funding immediately cease all communication with my family members and refrain from sharing any further information about my debt without my explicit consent. Additionally, I expect LVNV Funding to issue a formal apology for their misconduct and implement measures to prevent similar incidents in the future. If LVNV Funding fails to address this matter satisfactorily, I will h
ave no choice but to pursue further action through regulatory authorities and legal channels.

I trust that you will take this complaint seriously and take appropriate steps to rectify the situation promptly.
Consumer complaint received 2021-06-09
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 — Problem with personal statement of dispute
Company: National Credit Systems,Inc. (TN)

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation isrequested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Are you the owner of the original debt?
Consumer complaint received 2024-03-16
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: CCF Intermediate Holdings LLC (MA)

I have been receiving emails on XX/XX/24 From Title Max XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Creditor : Title Max {$3900.00} Contact : XXXX Docket # XXXX I have been a victim of Identity Theft, I have had bank accounts opened in my name, I have gone through all my bank statements, I never applied for a loan from these people, I never accepted a loan from these people, Some how they have all my information, and are trying to scam me.

I refuse to pay for something I didn't do, I will get a lawyer and fight this to the full extent of the law, All I asked for was proof from them, that I received money from them, all they showed me was my information,
Consumer complaint received 2021-06-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

On XX/XX/2021, I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) stating they will remove the account off of my credit report within 60 days, and as of today, Equifax is refusing to remove that false and misleading information off of my credit report so Im writing this letter to file a complaint against Equifax who has repeatedly violated 15 U.S. Code 1692 g. Equifax has also violated 15 U. S. Code 1681c by failing to provide the consumer with the original wet ink signature of the alleged contract I signed with XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ). XXXX  and XXXX  cooperated and removed that false and misleading account off of my credit report, I need Equifax to do their job and remove this account off of my credit report because its been well over 60 days for them to update my report.
Consumer complaint received 2018-02-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Williams & Fudge, Inc (AL)

I am just now learning about credit I tried contacting the Creditor but would not get a response every time I tried contacting them I am only XXXX years old and now have some knowledge on credit so this would not happen again. 


Opened : XX/XX/2017 ( 3 mos ) Original Creditor Name : XXXX XXXX XXXX XXXX {$440.00}
Consumer complaint received 2018-02-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AZ)

I don't know if this constitutes a scam, but it sure seems like it. A few years ago Wells Fargo opened a new separate credit card for my wife when I only wanted another card for her which we requested when we opened the account ... That just made me mad because it could effect credit scores. Now.. today, XX/XX/2018 I went to the Wells Fargo branch in XXXX XXXX , AZ ( I have been a WF customer for about 8 years ) to send a wire transfer to my stock broker and  when asked for ID I presented my driver 's license ( w/photo ), my military post access card ( w/photo ), and my law enforcement badge and state issued AZ Ranger ID ( w/photo ). I was told they required my debit card ( which I have not activated and NEVER use ). I believe this requirement is just another WF scam to require people to use debit cards to collect more fees??? I am switching banks to a more reasonable and customer friendly bank. It just seems wrong.
Consumer complaint received 2021-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

This is dispute is for a bank of America credit card, in XXXX. My social security number and personal information was used to start an online business i did not approve of. In order to start this online business, they used that Bank of America card. 

When i saw these balances on my account BOA checking account at the time. I was trying to find out where they were coming from. Once i found out my it was someone else using my information I had to quickly close my account. I tried to find the person to pay back the debit but was never able to get ahold of him again. 

During that time, I had other credit cards opened in my name that I since got deleted. I was able to pay off the XXXX XXXX card because that was the only card I applied for and used personally. If you need more information I am willing to provide it.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TRANSUNION HAS LISTED ACCOUNTS ON MY CONSUMER REPORT WITHOUT MY PERMISSION. 
TRANSUNION IS NOW CIVILY LIABLE AND CRIMINALLY LIABLE Transunion is in violation of 15 U.S.C. 1692b. 
Which states that a consumer report from any reporting agency can only be furnished in accordance of the written consent of the consumer it relates to. 

I DID NOT GIVE TRANSUNION WRITTEN CONSENT AND THAT IS FRAUD. 

Transunion is Also in violation of 15 U.S.C. 1692g. 
They were to notify me in writing 5 days prior, To publishing this Alleged Debt, I was not. 
As the original creditor, only I can validate this debt. 
I do not validate this Alleged debt.
Consumer complaint received 2020-11-05
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

To whom it may concern, On XX/XX/XXXX I mailed out three ( 3 ) dispute letters one to each of the credit reporting agencies Experian, XXXX, and XXXX XXXX under the FCRA section 609 ( a ) ( 1 ) ( a ) law to conduct and provide me with proof of the original contracts with my signature on negative items and inquiries that are being reported on my credit reports are mine and they have yet to do so within the thirty ( 30 ) days that they are allowed to have in order to prove ownership and accuracy of information that is being reported.There has been no correspondence with them providing me with any information or update on the status of my disputes. Also on XX/XX/XXXX I sent out three ( 3 ) thirty ( 30 ) day demand to comply letters, one to each of the credit bureaus Experian, XXXX, and XXXX because they have broken the law by not providing proof or correcting the items being disputed in the time frame permitted by law.