davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP (MD)

Ive never been delinquent nor missed a payment. I paid off the balance and received a notice that the APR was increasing to 23.49 %. When I called Elan Financial Services, they informed me that it was due to the credit bureau report. My credit score increased by XXXX points to XXXX in the past month. This is a good credit score and there were 4 credit cards paid off so my debt decreased. Why is the APR increasing? This IS NOT a new credit card. There is no introductory rates as Ive had it for a few years. I will be attaching proof of my credit score via my XXXX credit card, the letter received from Elan and a copy of my account. This is abuse of financial power. During a pandemic, Im being punished for paying it off. They can no longer collect fees from me so they punish me for it. They must be stopped. This isnt fair nor right. I also tried to view my credit score per the services available to me, however, it kept routing back to the same page, basically, Elan says you can view your credit score for free but dont have this function/process active!
Consumer complaint received 2021-09-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

I have a phone line account with XXXX I pay for every month opened in XXXX. But a collection was filed against me from XXXX. I tried to buy a cell phone from them in XXXX but the order was cancelled. If this has anything to do with that order its false because I never received that phone and the phone was never activated. So this collection is inaccurate I never opened a phone line In XXXX. And the collector isnt under XXXX.
Consumer complaint received 2022-08-24
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. (CA)

XXXX and XXXX Credit Bureaus are becoming careless with their responsibilities and duties when it comes to validating the information being reported on a consumer 's credit report, despite all the letters and CFPB complaints I have been making to the credit reporting agencies. I have experienced identity theft, and I am confident that this crime is what led to the queries that the XXXX and XXXX Credit Bureaus have recorded. The Credit reporting Agencies are mandated by FCRA section XXXX to delete any profile and information that were the product of identity theft. On XX/XX/XXXX, I sent a letter to the credit bureaus requesting that they take the unsubstantiated queries out of my credit record. The Credit Bureaus continued their unverified reporting despite all of my letters, which is a blatant violation of my rights under FCRA section 604. I have filed a complaint with the CFPB to have the following improper and unverified credit inquiries removed as soon as possible : XXXX. XXXX XXXXnquiry : XXXX XXXX, XXXX XXXX. XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXXXXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX. XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2019-04-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (MI)

This issue began in the fall of XX/XX/XXXX. My brother and I retained an attorney to draft Trust, Will, and Power of Attorney documents. At this time, the attorney could not find proof of who held the mortgage to my brother 's home. All searches pointed to no mortgage being on this particular address. My brother and I then had a new title search done. Again, no mortgage showed up! We then met with another attorney who ran a search through XXXX XXXX. Again, no mortgage showed up. I contacted Mr. Cooper/Nationstar, the company we are making a mortgage payment to each month. They explained that they had taken over this mortgage XX/XX/XXXX from XXXX. I contacted XXXX and have documentation that the mortgage payments were up to date before the change occurred. 
Now, we are trying to get proof from Mr. Cooper that they hold the mortgage. We would like to possibly refiance the home, but we can not get proof of the mortgage holder. I contacted XXXX XXXX last week, and they could not find any mortgage. I then contacted Mr. Cooper again, who stated that they would have their special department from this area email me the information requested. It never happened! Last week I spoke with XXXX XXXX from Mr. Cooper, who again requested the information because she could NOT find the mortgage holding in their system. I was instead sent the information that showed up on our title search! XXXX XXXX can be reached at XXXX to explain that no documents are appearing under Mr. Cooper to show they hold the mortgage. At this time, we are unable to refiance and get away from this company. We also feel we should hold future payments until we are sure as to what is happening. We would appreciate any help or advice you could give at this time.
Consumer complaint received 2021-03-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CO)

Coinbase XXXX Inc. or XXXX did not credit my account XXXX XXXX XXXX ( virtual currency ), currently equaling XXXX in USD. This transaction was successful and in Coinbase hands XX/XX/XXXX, following that date I initiated a detailed support request showing the successful transaction. I have not received any followup, I have even attempted to track down their associates via social media. I have been completely ignored.
Consumer complaint received 2022-08-11
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. (NC)

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX, XXXX, XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}.
Consumer complaint received 2021-09-10
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: SinglePoint GI (UT)

Just received my XXXX dispute report number XXXX. General Revenue needs to provide how they verified to XXXX this account that was due to fraud and identity theft, if you never retrieved the XXXX police reports even though the police report numbers were given to you all yet you failed to request the documents from the local police department. How can you legally verify a debt to XXXX and XXXX XXXX as 100 % verified and accurate without retrieving the police report documents? Instead reporting back to the credit bureaus this debt is 100 % complete and accurate? You have failed to do a 100 % complete and accurate investigation and reported this debt anyways. I am seeking damages for these violations and gathering up all necessary documentation.
Consumer complaint received 2021-10-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (NY)

WE HAVE BEEN ON DO NOT CALL REGISTRY SINCE XX/XX/2003. WE CONTINUE TO RECEIVE SPAM CALLS FIVE OR SIX TIMES A DAY. PLEASE MAKE IT STOP.
Consumer complaint received 2021-11-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

We refinanced our home with Chase bank, the refinance included a pay off to XXXX XXXX  for existing loan. Chases Title company XXXX insisted on changing the name on title even with written email from me saying do not do that the name when bought the house is good we are only refinancing. This delayed signing the loan doc 's from Monday XX/XX/XXXX to Wednesday XX/XX/XXXX. On XX/XX/XXXX we got up early to meet with notary at XXXX am and that time came and went and no notary we finally got a text at XXXX saying the title company XXXX canceled the closing at XXXX pm set without notifying myself or wife or Chase bank! Finally at XXXX pm on the XXXX we signed all doc 's and closed, the doc 's state the closing should fund on XX/XX/XXXX and that day came and went and no funding it was funded on XX/XX/XXXX. XXXX collect a years of taxes from XXXX {$9400.00} and XXXX XXXX paid those taxes to XXXX on XX/XX/XXXX. I insisted all during the closing that Chase make sure XXXX is not going to pay the taxes and if they are Chase can not also charge me for them! I was told by Chase do not worry about this they would make sure that does not happen. It is exactly what happen as well at {$94.00} of a per diem charge for XXXX XXXX XXXX from XXXX? I have tried to get Chase and XXXX to correct this from XX/XX/XXXX and then it was easy fix just not send the taxes to county but refund me! and still to this date I have not gotten back correspondence from either party, accept 1 email from XXXX saying Chase did not fund them onetime so that is why this happened? What chase has done instead of taking responsibility and refunding my money and going after XXXX or XXXX XXXX they have made there negligence my problem? In my emails I included XXXX XXXX XXXX home lending officer and XXXX XXXX legal not even 1 reply?
Consumer complaint received 2021-09-10
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: ALLY FINANCIAL INC. (TX)

I was charged a disposition fee of {$390.00} after turning in my lease early to the same dealership I purchased the lease from. The dealer did not inform me of the disposition fee - but the part that's unusual is that it's from the lease company - Ally Bank. A disposition fee is defined as a fee charged to the person leasing the vehicle at the end of their lease to prepare the returned lease for the next buyer, but this fee is assessed by the bank and the dealer has nothing to do with this. I was originally told by several members at the dealership and at Ally auto that because I purchased a new vehicle from the same dealership - that I would not be responsible for this fee. They then said that it had to be purchased and financed with Ally auto to waive this fee. This is predatory and not acceptable behavior. 

I also tried to ask about this several times with the dealer and the bank. The bank keeps telling me they will have a supervisor reach out ( 3rd time now ) and I have yet to hear back. The dealer keeps saying I have to work with the bank. It has been a month and I can not get a clear answer.
Consumer complaint received 2022-08-11
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. (SC)

This is my NUMEROUS request 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 XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX CO XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2021-11-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VA)

I paid off my mortgage loan at NationStar ( fictious name : Mr. Cooper ) on XX/XX/XXXX. 
I understand they are allowed XXXX days to refund my escrow balance. 
It has now been XXXX days, but I still have not received a check. 
If I was late on a payment, I would have to pay a penalty. 
But, apparently, it is OK for them to take as long as they like to return my money without any consequences. 
They claim to have mailed a check on the XXXX, but we know that is a lie because first class mail does not take XXXX days or more inside the USA. 
When my check eventually arrives, we may be able to confirm that they lied by checking the postmark on the envelope. 
This is not my first terrible experience with NationStar. They have an abysmal record.
Consumer complaint received 2022-10-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

When my brother was alive I did present myself to the lender ( Chase Bank ) with a power of atty. trying to collect and withdraw the total money in my brother 's savings account because my brother was XXXX XXXX XXXX XXXXXXXX ) and had few months to live. The answer I received was : Our legal department will look into it and after waiting several days, I was told the signatures do not look ok and refused to let me have the money. A month later my brother passed away ( XX/XX/2022 ) and the case went to probate. After waiting six month I received the probate papers last week and presented to the bank but ... ..again ... ..the answer I received was ... ..our legal department will look into it and there is a process that we have to go thru. Fine, I understand ... ..I did go to the lenders address at least few times with no result ... .bear in mind every time I go to their office... ..I lose money ( income ) from my work. I do have a family to support with a big mortgage on my house. The lender does not seem to understand nor care. They are dragging their feet. I submitted to the bank ALL necessary papers including my brother 's certificate of death etc ... .. and I left all these papers with them a week ago. This process that the lender is referring to really should not take this long as I do have my brother 's creditors calling me every day for their payments and I told them this .... the answer was ... .we don't care about that ... .. we have a process in the banking system. The person whom I talked to was XXXX XXXX XXXX at XXXX and the branch manager XXXX XXXX XXXX at same branch located at XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. Every time I was in that office I conducted myself in a professional way, did not press them and was very curtious.
Consumer complaint received 2021-11-25
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: DISCOVER BANK (MI)

on XXXX I received a message that XXXX XXXX was found in my favor and discover would apply the credits. no such thing occurred. in fact after filing a complaint with XXXX on or about XXXX in regards to their seller for keeping my money and the item after it was returned successfully. they opened an a-z claim on XXXX and refunded me. i did receive the credit in my discover account however it has since disappeared from my accounts history shortly after receiving it.
Consumer complaint received 2021-07-02
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. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2019-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC (FL)

I was notified by my credit agencies that I had a New collection account posted. I was shocked because I've never had a collections account. I did research and noticed that the collection company " Enhanced Recovery company '' posted the account for the original creditor " XXXX ''. This specific debt they are referring to was discharged during my Chapter XXXX  no asset Bankruptcy in XX/XX/2015 and now 4 years later this company is illegally attempting to collect this debt and unlawfully posting this collections account to all 3 credit agencies. I've spoken to a representative and manager who showed not much desire to help me. I've attempted emailing them via their contact portal on the website and have not heard from them regarding their unlawful actions! Please help resolve this matter as it is affecting my credit very adversely!
Consumer complaint received 2021-11-22
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. (CA)

I am the consumer this is not a XXXX party speaking on my behalf. I have submitted numerous letters to each credit reporting agency to have items that i the consumer, did not give consent to be on my consumer report removed. The companies continue to verify the information without submitting the method of verification and providing documentation of the investigative consumer report. There are also accounts listed on my consumer report that are not mine and are fraudulent. Pursuant to 15 USC 1681a ( 4 ) this is a violation of my privacy because these agencies are furnishing private information without my express written consent, these actions also constitute identity theft by each credit reporting agency.

While the agencies continue to report these accounts as verified this is also a violation of federal law and fraudulent activity on the part of each of the credit reporting agencies. Pursuant to 15 U.S.Code 1681a ( 2 ) ( A ) ( i ), information reported can not be only transactions between myself the consumer and the companies listed on my consumer report. Furthermore, I, the consumer was never given a chance to direct whether I wanted certain information furnished pursuant to 15 U.S.Code 1681a ( 2 ) ( A ) ( iii ), neither of these agencies offered me a chance to opt out of the reported information.

I, the consumer am also aware that using the identifying information of another person without authorization constitutes identity theft in accordance with Regulation V 12 CFR 1022.3.

Pursuant to 15 U.S.Code 1681b ( a ) ( 2 ) CRAs need written instruction to make a consumer report by the consumer. I, the consumer, never gave express written consent or authorization for any negative information to be furnished. These reporting agencies have committed fraud by using my identifying information without any lawful authority to furnish the information, by definition these credit reporting agencies have committed identity theft.

Pursuant to 15 U.S. Code 1681c-2 ( a ), if I, the consumer, provides a consumer reporting agency, with appropriate proof of the identity, a copy of an identity theft report, and a statement by I, the consumer stating the information in connection with all furnished account information is not relating to any transaction by myself, the credit reporting agency is required to place a block on my consumer report on the information associated with the accounts listed within 4 days of receipt of the identity theft report. 

On XX/XX/2021, I sent each credit reporting agency an identity theft report filed with the Federal Trade Commission with identifying documents attached ( drivers license, social security card ) and a statement from I the consumer, via certified mail.
Consumer complaint received 2022-10-26
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: U.S. BANCORP (MI)

My personal information has been compromised and someone is attempting to apply for credit using my information. 

I have reported this to all three credit bureau 's but a fair resolution has not been provided.
Consumer complaint received 2019-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma (FL)

I monitor my credit closely using FICO, XXXX, XXXX, Credit Karma, and XXXX XXXX. I have 0 negative late payments, 5 hard inquiries, average 24 % debt ratio, average 3+ years credit history, 0 negative reports. 
Suddenly my XXXX score on Credit Karma dropped 59 points! I've researched and find nothing new. I called XXXX and they wanted to SELL me a credit report! Instead, I downloaded a free report of XXXX   from XXXX. 
Again, nothing new showing why they would drop my score 59 points. I'm close to applying for a mortgage and need this fixed. Is this a scam XXXX is doing to sell their products?
Consumer complaint received 2019-04-11
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. (CA)

XXXX XXXX/XXXX XXXX XXXX recently approved a loan modification which I accepted. In a conversation with XXXX XXXX, the representative, regarding the modification I informed him that XXXX was not reporting my mortgage payments to the credit bureaus. In XX/XX/2017 XXXX reported to the credit bureaus that I was 3 months behind in payments. This was inaccurate, erroneous and an error on their part. Instead of correcting this error with the credit agencies, XXXX removed my credit history completely. I have discovered that there is no history of my owning property or payments I have made for the last 10 years to XXXX. The representative explained that it is because I was in Chapter XXXX and that if I want to include my mortgage payments in my credit history, I need to write and have them investigate my request. His explanation is an oversight, mismanagement of my account, and failure to provide due diligence. I informed him that XXXX XXXX/XXXX XXXX  WAS NEVER INCLUDED IN THE CHAPTER XXXX BANKRUPTCY. He said that XXXX did not have that information and proceeded to remove my information from the credit agencies based on the information they received from the BK Court. This is simply dishonesty. I have attached the Notice of Intent .... that clearly shows that XXXX XXXX XXXX ( the investor ) was served with the notice that reflects it never had a claim amount and was never paid. The main claimant was my XXXX XXXX XXXX XXXX, and IRS and credit cards. This notice was served to the investor by the BK court so how could XXXX not have knowledge that my mortgage was not a part of the Chapter XXXX??