davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

About 2 weeks ago a deputy officer came to my house knocking at my door saying I owed money to a company. I did not know what he was talking about. I did not not received any notice from any company and the officer could n't explained either, he assumed I knew and started saying he could take my property and sale it in an auction or seizure my wages. Officer is from XXXX XXXX, constable, hes name is XXXX XXXX XXXX. He later sent an unofficial letter to my house with a case number. I went to the court to request a copy and found out that XXXX XXXX XXXX XXXX using the services of XXXX XXXX XXXX XXXX is the company trying to recover an old debt they bough from another company and that is not mine. The debt is from before 2006 I believe  according to what I read on the documents. I never applied for any loans or credit cards to any financial institution mentioned on the documents and I did not even have any credit at that time, nor good or bad, I just did not have credit. I am already filing for identity theft and I already did report the case because I do not want to pay for something that I 'm not responsible for.
Consumer complaint received 2017-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: HEARTLAND PAYMENT SYSTEMS INC (NC)

I have a  XXXX  student loan that is currently in repayment status. In  XXXX  of  2016 , my lender,   XXXX    XXXX , decided to transfer my loan to a new servicer : Heartland ECSI. My promissory note requires that my account information be provided to  XXXX  of the credit reporting agencies, and my lender requires that Heartland ECSI report specifically to  XXXX . However, Heartland ECSI has only reported my account information to   XXXX    XXXX  (  XXXX  ) time since becoming the loan servicer. Therefore, I believe   XXXX    XXXX  and Heartland ECSI has been in violation of the promissory note for fifteen  ( 15 ) of the last sixteen ( 16 ) mont hs. I have been in contact with both Heartland ECSI and    XXXX     XXXX  regarding this issue since late  2016 .
Consumer complaint received 2021-10-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC (TX)

Approximately at XXXX, I spoke with a representative from Global Lending Service that For which whom I contacted in reference to my auto loan which was a consumer credit transaction. Pointed out violations including the finance charge, down payment and right to rescind. I also stated that I would like for the contract payments to immediately become ineffective for violation reasons, and requested {$0.00} balance auto loan on all three credit reports while also demanding rightful possession of title in hand. 15 USC 1605, finance charge is the sum of all charges. 15 USC 1692e false and misleading representations, 15 USC 1692j furnishing certain deceptive forms. I was never given any notices or forms to fill out for the rescission process. Any deceitful practices are in non compliance of congressional law. 15 USC 1692k civil liability.
Consumer complaint received 2024-03-12
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Valor Intelligent Processing, LLC (MD)

I am writing to dispute the accuracy and completeness of the information reported on my credit file. I have recently reviewed my credit report, and am disputing a collection account. 
The address of this XXXX collection account is, XXXX XXXX XXXX, XXXX, TX XXXX This XXXX account which is currently in collection status, contains erroneous and incomplete information. The amount reported on my credit report of XXXX is different from amount provided to me via contact email XXXX XXXX XXXX XXXX of XXXX. Which i believe is a violation according to the federal credit act. 
I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to request an immediate investigation & correction of these inaccuracies. 
Also, regarding the XXXX collection account XXXX, l assert that the Information reported is inaccurate. I have not had any association with XXXX, nor been given or seen a contract. There seems to be a case of mistaken identity, as I have never applied for, used, or held this account.I have spoken to them numerous times & even been told by a supervisor the debt would b removed. But Im still being unreasonably contacted by their collection agency.

As per my rights under FCRA ,15 USC 1681b, ( a ), 15 USC 1681b ( a ) ( 2 ) I am entitled to an investigation & request a detail response from investigation within 30 days. I believe my case aligns with these precedents. 
I have enclosed an email copy of the collection agency for XXXX which shows a diff amount owed XXXX to XXXX on my credit file. 
Ive enclosed, a copy of my credit report including credit report number, & which u will also see the collection Agency for XXXX info.
Consumer complaint received 2019-03-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC. (MD)

After weeks of waiting I was told SunTrust bank would not refund me the XXXX in fees that occurred due to how they handle my overdraft. I set up a over draft protection as directed by bank employee at SunTrust in XXXX XXXX, MD branch. It says it has a {$5000.00} limit which at the time it kicked in when my account went below XXXX. stopped working after only XXXX items went thru ( they charged me $ XXXX/day for unlimited items, that was the agreement at the time I set it up ) Out of the {$1000.00} in bank fees I was charged only XXXX of those are what I agreed to pay {$38.00} /day unlimited items. I was returned only XXXX of these fees and was told it was not a bank error that it was linked to another card even though it has a different number and when I check online has a different available credit. So it stated I had over XXXX $ available but after XXXX $ they cut off the line and returned XXXX items and then charged me {$38.00} per item returned. I don't see how this is possibly legal? and if it is something should be done to make it not so!
Consumer complaint received 2019-03-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (IN)

In XXXX I experienced financial hardship as a self-employed XXXX in XXXX Indiana. The servicing company at the time refused to allow me to catch up my payments which were around 5 or 6 months behind. They moved to foreclose on my home and refused to take any sort of repayment plan. I was forced to file bankruptcy in XXXX. 

That bankruptcy was eventually withdrawn per advice from my attorney. I then attempted to make arrangements with the new servicer Fay Servicing. On XX/XX/XXXX I had turned in hardship packets to Fay asking for some sort of modification on my loan. The interest and fees were as much if not more than the principal balance. Fay never responded to my request. 

Fay eventually refiled foreclosure to which we are currently still working in. I have hired a real estate agent who has listed the home and has brought a reasonable offer to Fay. All cash. My property has some physical repairs it needs due to being at the bottom of a hill on a lake. 

The agent helped me turn in a hardship package, again. The offer then came in. Fay failed to respond to the offer and the hardship packet. The agent pursued communications but couldn't get any answer or direction from Fay all the way up to the day before Foreclosure. So I was forced once again to file for bankruptcy to help stay the foreclosure and give me a chance to still deal with this situation. 

Over the last several months I have fallen ill with XXXX XXXX. I have sent proof to Fay. Didn't help. The agent spoke to a manager trying to get the short sale approved and the agent was informed the hardship packet was not complete but when the agent requested the manager re-review, she said it was sufficient. 

At this time, I think I just need some help. Fay seems disorganized and unable to address my account. I do not understand my total balance due and why it is so high in comparison to my loan balance. I don't understand why they will not let me short sell the house and why they would tell me my paperwork is not right when it was. 

Any and all help is welcome. I just need to get on with my life and deal with my health. I wish to sell the home and be relieved of any additional debt. I can not take care of the property any more due to my agent and health. I do not understand why it seems like I am the only one trying to make this right.
Consumer complaint received 2022-09-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: ALLY FINANCIAL INC. (DC)

On XX/XX/2022, I received a email from Ally Bank ( see attached photo copy ) indicating that a Ally Interest Checking Account ( # XXXX ) had been created using my name and email address as the authorized user. 

However, I never communicated with nor authorized Ally Bank to open any financial instruments in my name. 

On XX/XX/2022, I received an additional email from Ally Bank indicating that they were notifying me that I should create a Login ; Password ; and a customer profile for this account. 

I did not comply with any of these instructing believing that this may be fake. 

When I called to validate this, the initial answering question as if I was calling to report an unauthorized creation of an account, the phone when dead.
Consumer complaint received 2021-02-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: General Motors Financial Company, Inc. (GA)

The following companies have unauthorized credit inquiries on my report : XXXX XXXX inquired on XX/XX/2021 XXXX XXXX # XXXX XXXX, MN XXXX
Consumer complaint received 2017-10-02
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: EQUIFAX, INC. (IL)

I had several hard inquires on my account. They were on the XXXX XXXX, XXXX. I did authorize XXXX credit inquiry but the rest of them are fraudulent. 

They are from the following agencies. 

XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Ally XXXX I XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2017-10-02
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

On XXXX XXXX, XXXX, I was tricked by XXXX to take out an online auto title loan for XXXX} with a XXXX XXXX  interest rate for XXXX years. I was told over the phone that it would be XXXX XXXX APR but they never disclosed that was a monthly rate. Over the past XXXX months, I have given them over XXXX} and I still owe them XXXX}. I called them to dispute their illegal business tactics but with no luck. They did offer to lower my rate to XXXX XXXX but I would have to borrow XXXX more and extend my loan to XXXX  years. How are they still in business this has to be illegal.
Consumer complaint received 2022-03-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (VT)

I purchased a new XXXX XXXX  XX/XX/22. The finance staff at the dealership spelled my last name wrong on the the paperwork. I have made several calls to Hyundai Motor Finance Customer Service ( HMFCS ) and sent them the documentation they requested and they still have not made the name change. 

I wish to payoff the vehicle but I can't since the title would be incorrect thus incurring additional finance charges. I am having trouble registering my vehicle since the name on the paperwork does not match my correct name. 

I have been told my supervisors at ( HMFCS ) that they can do nothing until someone in XXXX XXXX TX. contacts them and the can not reach anyone there to make the change.
Consumer complaint received 2015-07-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In my public records on TransUnion it shows i have a state tax lien from XXXX 2005 that is not paid but just filed i contacted the local courthouse in my county which is XXXX XXXX Indiana at the clerks office and they said it has been paid back in 2005.. But on my report it still says it is just filed and not paid.. they said i could come in and get a copy and give to my credit bureau.. So how do i do this?? Or do you request it from the court house..thank you..
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Company received my request to opt out and delete any and all information this company may have on file for me. I did NOT give them consent/permission to create a file and/or supply any information to any other company. 

The company received my request XX/XX/22 ( return receipt confirmed usps # XXXX ), but I have not received a confirmation letter stating my demand to be completed. It is currently past the 30 day period for them to do so
Consumer complaint received 2019-03-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (TX)

XXXX just showed up on my credit report for {$740.00} dollars for back in XXXX. 2018. I already moved to XXXX in XXXX of 2018. That debt is not mine nor did I go there for medical attention. I already had moved.
Consumer complaint received 2017-01-12
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Federal Pacific Credit Company, LLC (FL)

Law office has called several times in an attempt to collect a debt. A family member tells me that their spouse has also received more than 1 call, which I believe is illegal, regarding this matter. On XX/XX/2017, I returned their call and requested verification of the debt. I received a letter, on law firm letterhead, regarding my request on XX/XX/2017. Before I could send a letter to cease and desist communication, they called me again today and left a message. Their letter claims that they represent Federal Pacific Credit Company, who also happens to have the same address as the law firm. Are they a law firm or a collection agency? I have never entered into any financial contract with either of these companies, therefore I do not owe them anything. The original creditor they mention, XXXX, and associated account has exceeded the SOL in the state of Florida. They can not file suit against me, nor can they report to a credit reporting agency.
Consumer complaint received 2021-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Prosper Marketplace, Inc. (TX)

I entered into a consumer credit transaction with only Prosper Marketplace Inc. in 2016. They have violated countless federal laws by collecting, attempting to collect an alleged debt and illegally sharing transaction details of a federally protected consumer with several other uninvolved parties and without my prior written consent. I have begun my private administrative process and attached below is my first Affidavit of Truth, Cease & Desist letter, Exhibits and Invoice for all there willful and negligent violations of federal law.
Consumer complaint received 2017-12-26
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. (FL)

XXXX, TRANSUNION, AND XXXX HAVE FRAUDULENT INFORMATION ON MY REPORTS IN MY NAMES AREA OF MY FILES THIS IS THE FRAUDULENT NAMES. ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) MY SOCIAL SECURITY NUMBER ENDS WITH ( XXXX ) THERE IS A VARIATION THAT END ( XXXX ). I HAVE ATTACHED MY POLICE REPORT TO PROVE THE FRAUD THAT WAS DONE IN MY NAME.
Consumer complaint received 2017-10-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

XXXX XXXX, my mortgage loan changed from an " interest only '' payment of approximately {$1400.00}, ( XXXX XXXX XXXX dollars ) to an amortized  payment of {$1700.00} ( XXXX XXXX, XXXX XXXX XXXX dollars and XXXX cents ). I was  approached over the phone in regards to refinancing or loan modification to help lower the monthly payment. I started the process in XXXX and began submitting documents via fax and downloading online. After several weeks, I began calling to check on the status. Each time I have called, I have spoken to a different person. Each time, I have been told to submit another document or to make a change and resubmit an existing document. I have voiced my concerns and frustrations every time I call. I just recently called again ( XXXX ) to check on the status. Again, I was told to add a date to a document and resubmit. I was also told that the bank statements that I initially submitted were now out of date and I would have to submit more current statements. This process has taken extremely too long and the company is unorganized and inefficient. It has been an ongoing vicious cycle.
Consumer complaint received 2024-03-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

This person found me on a dating site. He faked his identity. His name is either XXXX XXXX or XXXX XXXX, XXXX XXXX XXXX, from XXXX, XXXX but said he was a XXXX XXXX, XXXX years old from XXXX, TX. He also sent me many fake photos and even a fake photo of his " sick '' daughter. We became close over many months and he started asking me for money for " job related needs '' as well as money for his " sick daughter ''. I sent him money in the form of gift cards and BitCoin. The whole time he was giving me promises that he would pay me back He took advantage of my kindness and played off my empathy. He would set up fake meeting spots and addresses of where to meet him and then never show up. He used me, manipulated me, and abused me mentally, financially and emotionally.
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: DISCOVER BANK (NY)

I opened a credit card account with Discover Card and agreed to a fixed interest rate of 8.9 % but was charged 17.8 % and 29.99 % for cash advances. 

I called the company on XX/XX/24 to get it changed to the original agreement but was dismissed by the representative that I spoke to. 

Please help me. 

Thank you. 

XXXX XXXX
Consumer complaint received 2021-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion was sent clear documentation that an alleged creditor is not reporting factual or accurate information. The documentation of such included a letter returned undeliverable by the USPS which was sent to the creditor 's address on the credit report. 

Transunion refuses to and has failed to provide any documentation of the debt. Transunion has failed to validate the debt in any way shape or form. 

Transunion claims that they " electronically '' verified the debt. They claim that they only verified the name address and social security number but NO verification of the debt itself, the nature of the debt, the validity of the debt, etc. They outright refuse to take any further action to actually verify the validity of the debt itself. 

Letters to the creditor are returned to sender, and they are unable to be reached ( Proof attached from USPS ). This is clearly not a valid debt and TransUnion refuses to remove it as required under the FCRA and various other laws. 

XX/XX/XXXX : Spoke to XXXX XXXX from Transunion, who identified herself as a supervisor, and refused to transfer me to her supervisor confirmed that TransUnion will not and would not be complying with Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). 

TransUnion is in clear violation of the FCRA Section, Section 609 ( a ) ( 1 ) ( A ) and various other FCRA, Federal & State Laws. 

Numerous letters were sent to Transunion with no response at all. Most recently the attached letter was re-sent again by certified mail and they closed the dispute after taking none of the required legal actions. 

TransUnion Dispute Dates : XX/XX/XXXX - Ignored XXXX - Ignored XX/XX/XXXX - Dispute Closed with no changes, no validation completed by TransUnion as requested and required by law XXXX XXXX Dispute Dates : XXXX - Ignored XXXX  - Ignored XXXX  - Ignored ( Letter received back " Return to Sender '' Attempted- Not Known - Unable to Forward ) XX/XX/XXXX - Ignored Transunion is the ONLY credit reporting agency that is reporting this false debt.
Consumer complaint received 2017-12-26
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: Clarity Services (WA)

Multiple hard inquiries ( seven total ) spanning from XX/XX/XXXX to XX/XX/XXXX by Clarity services on behalf of XXXX XXXX ( leasing company for XXXX XXXX ). These inquires are only on XXXX I tried to resolve with the Clarity services but the only response I got was " we had some computer problems around that time, it 's been fixed ). It has not been fixed for me. They appear on my report as " finance reseller '' making it appear as if I looking for payday loans etc. I 've never applied for personal loan or payday loan. 
I have not looked at my credit report in well over two years, so I was unaware of this issue until I applied for a car loan. 
Also, this means that my credit score suffered for year due to these unauthorized inquires and most likely paid higher interest rates unnecessarily. 
On XXXX XXXX I did lease a phone through XXXX XXXX, but there is no inquiry with that date and no inquires by them since.