davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-17
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Harley Davidson Financial Services Inc (FL)

( RE : Case Number XXXX, dated XX/XX/2016 ) Have attempted several times to access my account with the company in referenced case number. The error notice I get is " Your account is temporarily is unavailable. Please contact HDFS at extension X-XXX-XXXX. This is the same error notice I have received before and called. However, the recording stated the extensions had been changed to XXXX digits and to remain on the line. I was told there was a legal block on my account and after placing me on hold for a period of time, her response was she spoke with someone there but they were unable to speak to me or remove the block and stated she was having her manager speak to me. 

I 'm a pain, I admit it, but my identity data was stolen recently and I am trying to verify all current accounts ad advise creditors of recent events.
Consumer complaint received 2021-03-27
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation (AL)

World finance co # XXXX XXXX XXXX XXXX XXXX, SC XXXX. 
To whom it may concern this company has filed a collection on my credit report for an inaccurate amount. This company has also placed numerous negative marks on my credit report. An hopes to resolve this issue I dispute the collection due to amount inaccurate an asked to be provided something in writing explaining and showing proof of this debt.
Consumer complaint received 2020-11-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (TN)

XXXX XXXX a Veteran an and myself bought home at XXXX XXXX XXXX XXXX XXXX TN XXXX WE REQUESTED THE FULL360 forbearance in XXXX XXXX the house has been put on auction four times in violation of cares act. TMS ALSO sent bill for all arrearages. THEY REFUSE TO GIVE FORBEARANCE FOR 360 period. 

House on saleXXXX XXXX XXXX XXXXXXXX AND XXXX LIES ABOUT RIGHTS  AMD LAW WE DEMAND FULL 360z
Consumer complaint received 2016-12-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (NJ)

3 weeks ago requested loan payoff from Caliber Home Loan thru their SPOC representative. Was told I would receive it soon. Still waiting and I have a pending foreclosure that is moving forward. I have a pending sale on the home and can not draft a correct contract as Caliber ( who represents XXXX ) is not sending me the requested 30 day payoff that I asked their SPOC rep XXXX # XXXX to send me. I want to sell my home and avoid foreclosure but they are holding up my request for a loan payoff. They are denying me my right to sell my home!!!!! Why ca n't they provide this payoff?
Consumer complaint received 2015-03-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

I have sent this company a debt validation letter as I do not believe that they have a right to collect this debt and/or report it on my credit report. This company has not sent me any reply to my debt validation. 

They have also unfairly changed the status of the collection account on my credit report to say " consumer disputes this account information Collection account ''. This is unfair as I have only asked them to validate the debt and have not formally disputed it.
Consumer complaint received 2023-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 2022-01-20
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. (PA)

The credit reporting agencies have been reporting XXXX XXXX  on my credit report. This account is not mine and is a result of identity theft. They are reporting a high balance of {$270.00} and late payments. For one how can a card be reported as a {$200.00} limit but reporting {$270.00} for a high balance. This is a violation on so many levels. This account is not mine and is affecting my credit worthiness keeping me from obtaining credit in order to provide for my family. Not to mention I never authorized the XXXX  to report this account.
Consumer complaint received 2015-12-08
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

I am a customer at Union Bank California. Was denied services and a check endorsed to me was refused. XXXX the teller had no banking information on me. Did not swipe my card nor ask for ID. He immediately took the check to his manager XXXX who also refused my request to deposit this check endorsed to me. I was DISCRIMINATED against based on my appearance and not account information. After leaving I contacted the branch manager XXXX who then also informed me that his teller did the right thing by denying my check. XXXX stated that if he had taken the check from me, that doing this would put him at risk insinuating the check may be bad, or fraud may be involved. I was not only insulted but also humiliated.
Consumer complaint received 2022-07-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NJ)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against LVNV FUNDING for committing theft. I never gave LVNV FUNDING permission to use my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to XXXX5 USC 1692c ( c ). I am demanding to cease and desist of all illegal activity, communication, and collection activity of this and any alleged debts until LVNV FUNDING can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and LVNV FUNDING continues its collection efforts, I will file for litigation for actual damages caused and LVNV FUNDING will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion pursuant to 18 USC 894, theft by deception, securities fraud, and mail fraud. Upon receipt of the documents herein and of this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2020-10-16
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: EQUIFAX, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-03-27
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. (TX)

XXXX XXXX wrong name does not match DL Base on my findings all informations is FCRA : XXXX XXXX XXXXXXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$820.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$820.00} Date OpenedXXXX Details under dispute icon Currently Under Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$12000.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$12000.00} Date OpenedXXXX Details under dispute icon Currently Under Dispute Revolving Accountsshow tooltip button XXXX XXXX XXXX potentially negative icon Potentially Negative XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$2400.00} written off. {$3000.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$3000.00} Date OpenedXX/XX/XXXX Details under dispute icon Currently Under Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$3700.00} written off. {$4600.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$4600.00} Date OpenedXXXX Details under dispute icon Currently Under Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$110.00} written off. {$110.00} past due as of XX/XX/XXXX. 
Account TypeUtility XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$12000.00} Balance updated Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account Paid off : 0 % Balance on Loan Amount {$12000.00} - XXXX XXXX XXXX TX Original creditor : XXXX XXXX XXXX TX {$0.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$0.00} - Payment Info Original loan amount - Balance {$0.00} Status date XX/XX/XXXX red flag the XXXX balance accounts XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX  {$12000.00} Balance updated XX/XX/XXXX how is FCRA violations they can change the names to all different with all credit bureaus
Consumer complaint received 2022-01-20
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. (PA)

The credit reporting agencies have been reporting first progress on my credit report. This account is not mine and is a result of identity theft. They are reporting a high balance of {$270.00} and late payments. For one how can a card be reported as a {$200.00} limit but reporting {$270.00} for a high balance. This is a violation on so many levels. This account is not mine and is affecting my credit worthiness keeping me from obtaining credit in order to provide for my family. Not to mention I never authorized the cra to report this account.
Consumer complaint received 2015-09-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Aargon Agency, Inc. (GA)

XXXX collection agency put this on my credit. I told them it was not mine and to remove it and they did. They sold to a XXXX collection agency who put it back on my credit, who is telling me that I have to dispute with credit bureaus. The debt is my wife 's and hers alone. They said she had XXXX ss numbers and that 's how it went on my credit.
Consumer complaint received 2022-07-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (MD)

Hi my name is XXXX XXXX. I am writing to report the unfair practices of XXXX XXXX XXXX XXXX. It has been over a year since I have requested information about my Discover Account. Each time the company has asked me to write an email to a manager or to call back within a week. I was even working with a debt relief agency and XXXX never responded to them to confirm the debt or to provide details on how to resolve this issue. During the last 3 months I have called repeatedly to inquire about this debt. Each time, I am told that the account is on hold and the specialist can not discuss details of the account because they are not an attorney. 

I need XXXX to validate this debt in writing and give me the opportunity to pay it off. I must resolve this debt so my family can purchase a home or find housing in general. Due to this issue not being resolved, my process has been delayed and now my family and I live in a XXXX  to avoid being XXXX. 

Please help as this has caused my family a lot of pain and stress. I am not trying to negotiate a debt. I just want to know what is owed so I can pay it in full. They dont have to negotiate with me, but they must allow me to pay the debt. This practice is u fair and unjust. The debt assistance program and loan officer are baffled by this.
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC (FL)

In XX/XX/2019 to repair my credit I enrolled and shortly thereafter disenrolled from using Lexington law firm services in XXXX of the same year. However, the law firm had my debit card number in its possession. 
The law firm acknowledges that I closed the account ; nevertheless, they are fraudulent claiming that my wife ( XXXX XXXX. XXXX ) enrolled in there service and provided my debit card as a means of payment ; which she vigorously denies doing. Lexington law firm has STOLEN over {$2400.00} From me. 
Lexington law is in violation of the electronic funds transfer act. I, XXXX XXXX XXXX, never gave Lexington permission to debt my account. Lexington has been debiting my account which is a clear violation of the consumer protection law. 
This company is a FRAUD!!!! 

XXXX XXXX
Consumer complaint received 2021-03-27
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)

I was a Chase customer for almost 10 years. They never qualified me for loan modification. 
They always wasted my time to submit my loan modification documents but they never approved for no valid reason. luckily my loan was transferred with all the problems that I had all the incorrect information they were always posting on my account. This month I opened a Chase prepaid debit card and I was going to use it for direct deposit and my daily transaction. 
again I received a letter from Chase for no valid reason they are going to close my prepaid card. In the past they have also closed my prepaid cards without any notice to me.
Consumer complaint received 2015-10-16
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Direct Recovery Services, LLC (CA)

So this company by the name of DRS, " Direct Recovery Services '' called in regards of a debt I owe from a online payday loan called Cloud Lending. I do n't remember if I did get a loan from them. But they had called saying I owe this amount. I do n't if this debt is true and I never received a letter verifying the debt. This DRS ( Direct Recovery Services ) does n't have a physical address. All they have is a PO box address in XXXX different states. They sent an email for me to sign to authorize to make payment through internet program XXXX. I have n't received a letter from this debt collection for my to verify this amount owe. They claim they do n't have to.
Consumer complaint received 2022-08-08
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: MUFG AMERICAS HOLDINGS CORPORATION (CA)

Three charges occurred on my credit card on XX/XX/XXXX, and XX/XX/2022, in the total amount of {$4500.00}. I reported the fraud 6 days after it occurred. XX/XX/2022 my account was credited the {$4500.00}. On XX/XX/2022, I was sent a letter stating that the company does not consider it fraud because a chip was used and put the charges back on my account. Now they are charging me interest and late fees on the fraudulent charges. 

I can not reach the fraud department of my credit card company and have left many messages. I went into the bank branch and I have asked for the case to be reopened. I have filed a case with my local police station who will sent the information to the two cities where the charges were made. The police department is City of XXXX, the case # is XXXX. 

I have now taken 2.5 days off of work and spend many hours on the phone, in the police department and bank. I know that if the credit card company looked at the recordings of people purchasing on those days, they would see who duplicated my chip. The police said that the companies do not have to provide me with this information. I have called both companies and neither has my name in their system as purchasing items or subscriptions. 

What can I do to expedite the investigation?
Consumer complaint received 2015-06-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

I am a victim of Identity theft. I went to rent a condo and on my credit report showed a EVICTION that I never had, the person also went to court using my name and a judgement was settled against me. I did go to the police and the individual was arrested. I did flag my credit now what do i do to take it off my record. I cant rent anywhere with that on my record..
Consumer complaint received 2023-04-03
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. (MD)

This is my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX CT XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$16000.00} XXXX  XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2015-04-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (CA)

Caliber Home Loans took over the servicing of XXXX called XXXX XXXX, XXXX, from XXXX XXXX XXXX. XXXX XXXX, XXXX filed for bankruptcy on XX/XX/XXXX, got out of it and case was closed on XXXX. Caliber refuse adamantly to send 'Payment History ' refuse to send 'Escrow accounting ' but request that XXXX send about {$6000.00} without any justification.
Consumer complaint received 2018-03-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (NY)

My loan was managed by XXXX which I made payments to regularly. And since a week ago a campaign of annoying calls not leaving messages, from unidentifiable sources and not explaining the reasons of the harrasing calls for hours a Day were made by a company Called Navient or XXXX, I called them and they are asking me to pay them further more threatening me with collection and legal lawsuit, for what they claim is a XXXX dollars payment. 

Not only this sound like a scam, all my automatic payments are set to my loan providers in file, I have never been informed of any new loan provider and I have let them know they need to properly have the old loan provide to inform in writing who the new loan service provider are. 
How would it be possible to identify who your student loan providers are when they pass it around without care. 
My loan provider was my bank XXXX XXXX whom we have business with the reason we sought a loan with them to abound the endless scamming that goes around when one is only trying to study and improve one life. 

Please set an example against this predatory and hassaring behavioir for once. 

Should you require further information please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-19
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: Experian Information Solutions Inc. (GA)

Hi! I have been trying to get this XXXX  XXXX Bankruptcy XXXX XXXX XXXX removed from my credit report. Someone opened a Chapter XXXX bankruptcy in my name years ago. It was listed on XXXX. I disputed them and XXXX removed it. However Experian and XXXX did not remove it. Also there is a car loan by the name of XXXX XXXX account number XXXX opened XXXX. This account was fraudulent opened in my name without my consent. There are numerous hard inquiries opened in my name without my consent. 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 

All credit reporting bureaus must be accurate with reporting on all 3 bureaus. 
In Accordance with Fair Credit Act Credit XXXX XXXX bankruptcy and Indy Dealer has violated my rights. 15 U.S.C. 1681 Section 602 A states I have a right to privacy. 15 U.S.C. 1681 Section 604A Section 2. It also states A consumer reporting agency can not furnish an account without my written consent, I have also attached the certified letter sent from Us Bankruptcy court stating that they don't provide information to the credit bureaus, There is no way they verify with them like the Fair Credit Act act states for them to do.
Consumer complaint received 2021-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (NY)

I have 3 Americans Express cards. Since XXXX and I have allways made on time payments then in XXXX after making payments on one card I was told no payments was required on the remaining two cards. My annual fee is {$550.00} a year. But they closed my cards weeks later. Ever since then and the present I am a ongoing dispute and I they are illegal charging my late fees and interest eventhough I am disputing the amount and the annual fees charges after the closed my account they refuse to refund my annual fees. Its case of them refusing to refund my annual fees after closing my card. And triple the original amount.