davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-23
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)

Checking my XXXX  XXXX again I notice several accounts that i do not know about, I have been victim of identity theft, a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HOME BANCSHARES, INC. (AR)

Someone hacked into my phone and sent themselves {$1700.00} from my cashapp to themselves and tried several times after. I stopped it by calling my bank and changing all of my passwords, and I let my bank Centennial Bank on XXXX in XXXX XXXX know. They gave me my money back and then took it out again, saying I gave them my password. I did not. I don't even know these people. That is what banks are for to help when you have been a victim of XXXX, I would like to get this fixed without getting a lawyer, but I will. I need help. I did not do this.
Consumer complaint received 2022-04-29
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (NV)

MACY ' IS USING PAST INFORMATION WHICH DOES NOT ADDRESS ONGOING DAMAGE TO CREDIT BY MACY ' FAILURE TO TAKE CORRECTIVE ACTION THE ONUS IS ON MACY ' TO ACCEPT NEGLIGENCE & NOT TO BLAME CONSUMER BY INCORRECTLY PROCESSING OR CLAIMING TO HAVE PROCESS CREDIT CARD CONSUMER WENT TO EXTREME EFFORTS TO GO TO MACY ' FACILITIES ON MUTLIPLE OCCASIONS TO HELP MACY 'S NOT NOLY CORRECT PROBLEM ( S ) BUT TO ENSURE THAT MACY ' WOULD NOT BE HARM IF CARD ENDED UP IN WRONG HANDS.

THIS OF COURSE IS BASED ON THE CLAIM THAT MACY ' SENT THE CARD TO BEGIN WITH SUBMITTING AN OUTDATED LETTER FROM XXXX 2021 THAT DOES NOT ACCEPT LOGICAL ONUS FOR THE ERRORS THAT HAS CAUSED THE CONSUMER GREAT STRESS MUST BE REDRESS PRIOR TO FILING WITH XXXX XXXX XXXX ( SEE XXXX VS. XXXX XXXX, XXXX XXXX XXXX XXXX )
Consumer complaint received 2022-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation (CA)

Cars was stolen on XX/XX/XXXX and used the next morning on XX/XX/XXXX they said that becuase I logged on and saw the transaction that it must have been fraud which is simply not true. I have tried multiple time to resolve this issue with no luck they wont even let me XXXX the choice. STAY AWAY FROM ASPIRE CREDIT CARDS AT ALL COSTS! Stolen XXXX $ from me!!!
Consumer complaint received 2020-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank refused to refund {$1300.00} for a flight on XXXX that I purchased on XX/XX/18. The flight supposed to be round trip from XXXX XXXX to XXXX XXXX departing XX/XX/18 returning XX/XX/18. Russian immigration took more than an hour and there was only XXXX hour and twenty minutes between flights, so I arrived at the gate for my XXXX XXXX departure after the flight had left. XXXX refused to change my flight even for a fee and insisted I buy a new separate ticket because other passengers from the LA flight had made the XXXX XXXX connection. I asked and they verified that those other passengers were all XXXX citizens who were able to pass through immigration much more quickly than Americans like myself. I therefore had to buy new tickets that cost me more than the original had to complete my trip. 

I have called XXXX repeatedly over the past two years and they have never replied nor did they reply to a XXXX XXXX XXXX   inquiry. When I tried to get help in XXXX ( I speak XXXX from training in the XXXX ) I was told to speak to an agent in LA. Once back in LA I was told I needed to resolve the issue in XXXX.
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Dynamic Recovery Solutions, LLC (IL)

Getting calls from Dynamic Recovery from various numbers. In the beginning they called and did not answer. When I called back told them that this is the XXXX XXXX XXXX 's Attorney 's office and the person they are looking for does not work here. I have told them this XXXX times and they still call. They have called me on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (IL)

It all started in XXXX when our home was over assessed and increased taxes, which raised our mortgage payment considerably to between {$3300.00} and {$3400.00} per month in XXXX. Due to this and other bills, our monthly income fell short and eventually we started falling behind in the mortgage, which XXXX XXXX  ( the loan servicer at the time ) threatened us with foreclosure. So in XXXX we went to them to see if we could refinance and could not. They offered us a Loan Modification so we took that ; however, by the end of XXXX, we were still receiving foreclosure letters and I couldn't afford to lose the house when I was also taking care of my mother who was in her XXXX and XXXX so we filed for bankruptcy and included the house. This caused my check to be garnished for 5 years with a deduction of about {$1800.00} per pay period. So the mortgage continued to be paid by the Trustee of the Chapter XXXX bankruptcy. All arears were paid during that time and we have paid every month since this thing has ended. However, when the Loan Modification happened ( after paying 4 years on a 30 year fixed term at around 6.5 % ), our 30 year term turned in to a 44 year term when we had 26 years left, which is 18 years tacked on at 5 %. Now 4 years removed from the chapter XXXX, we tried to refinance but the {$50000.00} balloon that is tacked on to the end of this mortgage is a refinance problem. Instead of refinancing to lower our interest rate and monthly payment, the payment will be higher even with a lower interest rate. I did contact the loan servicer and asked if our interest rate could be lowered- they said no. I asked if we could refinance with them- they said no but did mention re-modification again but quickly said that they would not recommend it. 
The loan officer that we talked to when we called him about refinancing, suggested we contact you to see what could be done.
Consumer complaint received 2020-01-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMCOL Systems, Inc. (FL)

On XX/XX/2019 I sent a dispute letter to Amcol systems asking them to validate this debt and also asking them to send me proof of the services provided along with the dates services were provided on along with a HIPAA release form. They failed to respond to my letter, by law they had 30 days to respond and they failed to do so. I sent them a letter via CERTIFIED MAIL. And it is not XX/XX/XXXX and I have yet to receive any proof that this medical bill belongs to me
Consumer complaint received 2024-03-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (MI)

I don't recall having a contractual relationship with this collection company CREDIT MANAGEMENT LP. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-01-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

In XXXX, my identity was stolen and used to file taxes and in XXXX, my identity was used to apply for loans, credit cards, and only XXXX knows what else according to my knowledge. As I'm not exactly sure who nor when, I can only assume it's due to the XXXX web and also when my personal information was auctioned off in a storage unit that I lost in XXXX. I immediately placed an initial fraud alert on all 3 of my credit files with all 3 major credit bureaus. I then signed up for credit monitoring and I have filed an ID theft affidavit and a police report. Your help would greatly be appreciated to resolve this issue. As you well know it is a violation of the FCRA to report erroneous information and accounts without original contracts with signatures. I ask that you validate these debts fully so that this issue may be resolved immediately.
Consumer complaint received 2021-10-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: Regional Management Corporation (TX)

Regional Finance Company, which does have a local branch but is a " nation-wide '' company, sent a check to a property that is owned by my family with my name on it - I did not request the loan, or a check to be mailed to me, and did not authorize any type of credit pull, or new loan account to be opened or initiated. 

I received a notification on my Credit Report that a NEW account had been opened on XX/XX/XXXX with RFC - Regional Finance. I tried to call on FRIDAY XX/XX/XXXX but reached them after hours, so I called them today. 

After I inquired about the loan and the credit report inquiry, they informed me that someone had cashed a check with my name on it on XX/XX/XXXX. I advised them that NOBODY in my family or that lives at the house cashed the check, and I did NOT cash the check myself, and they acted dumb with me... 

I have a strong feeling that someone came by house and went thru my mail and fraudulently cashed the check, as my Texas State Drivers License was " lost in the mail '' in XXXX, and now I am having fraud... 

I have been working on my Credit Score for the last 18 months, paying down debts and keeping my credit utilization rate as low as possible, while making 100 % on-time payments. I have worked really hard to increase my credit, and now I am hoping this does NOT ruin my credit... 


I was told by my father to report this, if you have any questions, my cell # is XXXX. 


Thank You, XXXX XXXX
Consumer complaint received 2021-06-07
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. (CA)

I disputed invalid information on my credit report. not only did the credit bureau not provide physical proof for the accounts I disputed. they removed accounts that I did not dispute. I didn't ask for verification I asked for Validation. meaning ACTUAL paperwork. it has been over the 45 days for the investigation process and it has been closed. they haven't provided this information. no physical signatures, applications, etc.
Consumer complaint received 2023-04-07
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NJ)

Lakeview Loan Servicing has not paid my property taxes for Q1 & Q2 of XXXX. There have been serval phone calls placed, and every escalation has been closed with no resolution. 
On the call earlier in XXXX, I noticed that they have the wrong block and lot number on the mortgage statement, which is why my taxes are unpaid. The person said they would have resolved. 
When I called back on XX/XX/XXXX, which was my 4th call, the person told me the case had been closed as resolved. When they called my township they again gave the wrong block and lot number, which is paid to date, through my mortgage payments. 
I was told at this time the situation would be resolved by XX/XX/XXXX. I just spoke wth my township tax department and nothing has been resolved. 
The next letter will be placing our home up for tax sale due to two unpaid tax bills. 
I need this paid and resolved immediately.
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I submitted F.T.C identity theft report, with a copy of my identification to Experian. Experian states that they could not block the account which is due to identity Theft. 

XXXX XXXX XXXX mailed a letter without debt validation and states that the account was open more than seven years Experian does not want to remove it even though it is more than seven years old
Consumer complaint received 2023-04-07
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. (TX)

In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.
Consumer complaint received 2021-08-19
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. (SC)

I have asked these credit bureaus numerous times to removed fraudulent inquiries on my credit report and they will not help me. I have reported them all and the agencies will not properly removed them according to the FCRA GUIDELINES. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX These inquiries are not authorized and are not verified!! 

As well as the debt collection from XXXX XXXX ( XXXX ) in which I have documents from stating I am NOT responsible for!! I will attach documents!
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NC)

My debit card was stolen XX/XX/2023 and used to create an overdraft account. I called Wells Fargo to report stolen card and fraudulent activity on my Wells Fargo checking account. My card was never deactivated or reported stolen on Wells Fargo data. my account received multiple transactions and over draft fees after I reported my account debit card lost. I contacted Wells Fargo I spoke with supervisor : XXXX XXXX number : XXXX.. Who could not answer any of my questions about my Wells Fargo account being hacked and charged over {$220.00} dollars. I also spoke with customer service representative : XXXX XXXX about the situation she was rude and hung up on me without answering any information about my account occurring 4 different overdraft fees. I just want my account refunded XXXX dollars that was not supposed to be overdraft if my card was reported XX/XX/2023. All these fees accrued after I reported my card stolen and being used by not the authorized user or the bank account.
Consumer complaint received 2022-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022, I went to make a payment on my United Airlines Card through Chase Bank. To my surprise, my account and card were closed. The letter I received did not indicate why. When I tried to work with Customer Service I was told that they are unsure why Chase closed my card and there was nothing I could do. I have not received any clarity or answers as to why Chase decided to close my card and keep the balance from my card active. My credit score is now effected by this mishap.
Consumer complaint received 2019-09-26
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (CA)

On or around XX/XX/2019 my husband and I initiated the process of refinancing our family home. We began the process with PRMG. All documents were immediately provided and follow up questions as to loan type were discussed. I requested written information from XXXX XXXX who, thereafter, refused to provide written information even going so far as to suggest coming to our home at XXXX XXXX to have a verbal conversation on very important financial information which I insisted upon having in writing. All documents requested were provided within 48 hours of the request. We were asked for normative documents such as our most recent 60-day pay stubs and tax returns, w-2s and our bank records. We were similarly asked for unusual documents such as a letter of intent to occupy the residence. More than once Mr. XXXX failed to do his due diligence in reviewing the status of our home and this cause unnecessary and costly delays. Our home was submitted for appraisal and an appraiser demanded our attendance less than 24 hours in advance. When told we could not accommodate this he indicated that he had not received our timely message and had gone to our residence anyways and demanded a {$70.00} trip fee which we refused to pay indicating that we had given timely notice of our inability to call off our work lives less than 24 hours in advance. We were noticed on XX/XX/XXXX that the appraisal had returned with a conditional quote and that Mr. XXXX wanted " a few days '' to determine what this meant. The appraisal had been returned to him the day prior. When asked for a copy, Mr. XXXX indicated one had been sent to us the day before, which we were neither noticed of nor did we receive any indication of how the appraisal would be received. It sat in my husband 's " junk '' email for 24 hours burning time for our rate lock. Mr. XXXX never indicated that our rate lock was expiring when we indicated to him that we would be out of town from the XX/XX/XXXX and would have the work done the following week. An email was sent to Mr. XXXX on Monday, XX/XX/XXXX indicating that we were to have the work finished on Friday XX/XX/XXXX. At no time did Mr. XXXX indicate that our rate lock was expiring, that there would be a fee for the appraiser to return or that there would be a minimum fee of {$520.00} to extend the rate lock. By the time that the photographs of our repairs were submitted to PRMG, our rate was very near to the expiration date. I indicated to PRMG that I intended to file a complaint with this agency and immediately the manager offered to extend our rate at no cost due to the failure for proper notice. Our loan has now come out of underwriting and PRMG is now requesting a second intent letter, Solar lease documents which have already been submitted and delaying the process further for what I can only assume is their ability to attempt to force us to pay their offices further superfluous fees out of sheer exasperation.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (AL)

I have 8 unauthorized inquiries on my transunion report. I need them to be removed, I have no knowledge of these inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-30
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: EQUIFAX, INC. (NY)

Hi I sent a 30 days to comply letter to all three credit bureaus and its been longer than 30 days and They still havent got back to me to verify the accounts in question.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX, or XXXX XXXX XXXX XXXX, agreed to remove my credit card account from my credit report after paying a legal settlement for the amount of {$460.00} on my credit card that had a balance of less than {$850.00} on XX/XX/2020. I have spoke with them several times since XX/XX/2020 and they refuse to remove the account on my credit report. I have disputed this with each of the credit bureaus directly and have recently requested by mail that they remove the account and have disputed their actions as well. I find that I will have to resort to legal actions. They show that I have several charge offs on my account, as well as late payments after the settlement was paid.