davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (IL)

This company did not give enough documentary evidence to verify for this alleged debt from complaint XXXX. I demand a full file disclosure in accordance with 15 USC 1681g and all other documentary evidence in accordance with 15 USC 44 and all subsequent documents including any and all accounts made using my intellectual property, my signature, associated with this account. I want a full audit trail and not an altered contract like the one you sent pursuant to 12 USC 5562 ( c ) ( 10 ). AD ASTRA still can not produce a contract between me XXXX XXXX XXXX and AD ASTRA. In the state of Illinois AD ASTRA is on probation and can not collect. Expect a complaint from the Illinois Attorney General 's Office as well.
Consumer complaint received 2021-08-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (IL)

On XX/XX/XXXX of this year I received a letter from Freedom Mortgage stating that I had a lapse in my homeowners insurance, and that they had purchased insurance to cover the gap. After speaking with my inurance, they confirmed that the policy had not been paid, and Freedom Mortgage was not listed as the mortgage company on the account. Freedom Mortgage representatives in their insurance department argued it was not their responsibility to change the insurance information when they purchase a mortgage. Their Director of customer service seems to think it was their responsibility in the attached email. However, I also refinanced less than 4 months prior to this incident, which probably should have prompted a review of the insurance information. 

Bottom line is my payment was not made on time by Freedom Mortgage and they purchased force placed insurance for my mortgage. It would appear, based on 12 CFR 1024.17 that their actions are in violation of the law. It clearly states that Freedom Mortgage is responsible for making timely payments, and can only purchase force placed insurance if they believe that the property has been abandoned or the policy was cancelled for a reason other than non-payment. 

In my communication with their director of customer service, XXXX XXXX, I informed him they were in violation, and requested they report themselves for this infraction. He declined. 

It would appear these are standard practices for Freedom Mortgage, so I can only assume they have violated this law on a broad scale. Please investigate and prosecute these infractions to the fullest extent of the law. Thank you.
Consumer complaint received 2020-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (MA)

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Consumer complaint received 2020-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AL)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2021-06-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (WI)

on XX/XX/XXXX I went to XXXX XXXX In XXXX Wi And got told they Had n one to open accounts there. And That I could open one online. I asked if I opened it on line How long till the funds became available. The said Half the funds would be available rite away and the rest would take a few days. So, I opened the account and Deposited two payroll checks. On XX/XX/XXXX I called chase and was tolled the funds would not de available till midnight. Which was ok cuz I needed Gas For work the next day. Than On XX/XX/XXXX I called back to find out the funds would not be available till XX/XX/XXXX. After A long hold time And 2 Transfers I got them To release the funds. I would have gone to the Bank The pay check was from but they told My mom she would get a {$50.00} referral fee witch she never got. 
I asked to speak to a supervisor but they blew me off.
Consumer complaint received 2021-06-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NJ)

I.C systems is trying to collect debt of {$900.00} from me for a medical bill they claim I owe. I previously wrote a letter demanding that they comply with the fair debt collection practice act and fair credit reporting had this removed from the credit report and it continuously get placed back on my reports. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Consumer complaint received 2020-08-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America has reported checking account fraud to XXXX XXXX Consumer Services on an account where Im listed as the joint owner along with my son. I had this account for 5 years without any incidents of this nature or any incidents remotely close. If I committed fraud, why am I still allowed to have an open account with BOA with no restrictions? I have yet to receive any written or clear precise verbal communication as to what exactly took place with the account for Bank of America to make the determination that I committed any type of fraud or that fraud was committed at all. In XXXX, I visited the local BOA branch in my area and was told by BOA representative that the risk customer service department will only be able to provide information in regards to the account. That has not happen. I have contacted BOA over 6 times regarding this information and I only keep getting the round around no direct answers as to what happen. I have disputed this information through XXXX XXXX  and BOA has responded with the information is accurate and indeed it is not and this comment is on my account preventing me from obtaining employment in my field of study of accounting where I have received my degree. I cant open an checking account because of this information. This experience has been a total disaster. Im at a road block and dont know what else to do. I want BOA to provide the specific details as to the reason they have place those comments on my report and to prove fraud occurred in the attempt to defraud their company. I want this comment remove my consumer report so that can continue on with my life. This situation has been life altering and I have done anything wrong to deserve this. Im humbly requesting assistance with this situation to help get this resolved expeditiously.
Consumer complaint received 2020-08-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Allied International Credit Corp., (US) (IL)

i am receiving calls of threatening nature and being harassed repeatedly and continously by 'Allied ' saying my safety is being at risked.. i have no idea who or why and the phone calls come at all times of day and night.. i am a XXXX senior citizen. 
the calls come from out of country call centers...
Consumer complaint received 2021-11-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc. (MS)

I am not sure if I selected the right option for this complaint. However, I am submitting this complaint on Tower Loan that's located on XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX. I received an unsecured loan check in the mail XX/XX/2021. I cashed the check XX/XX/2021 and I am well aware that I am a month payment behind. I have informed them that I would pay this upcoming Friday, XX/XX/XXXX, XXXX have also informed them not to call my job or during my working hours. However, even after informing them of this they have still been calling my job. Not only did they call my job Tuesday, XX/XX/2021 the young lady who called informed my manager that I owed a debt. When my manger informed me of this I called them to let them know for the third time not to call my job. The young lady on the phone said, Well XXXX XXXX what you gon do? As if shes trying to invoke me and/or threatening me. I then replied that Ill just file a complaint and hung up the phone. I proceeded to start back working but they began to call my phone back to back, which was a total of 5 times. I did answer the second time they called and informed them that they were in violation of 15 usc 1692d ( 1 ) ( 5 ) and 15 usc 6801. I told them that I am aware that I am a payment behind and I will make the payment this Friday and that I didnt appreciate that you informed my boss that I owe a debt. Not to mention to continue calling me while I am working. Once I hung up the phone the second time they still began to call 3 more times, which was the total of 5 times. The same young lady, who will not provide her name, called my job again Wednesday, XX/XX/2021 and Thursday, XX/XX/2021. She called my phone again during those hours as well back to back for a total of 3 times. Today, Thursday, XX/XX/2021 when my manager informed her that I was not there and to not call, in which she had already informed her of this on Tuesday the young lady replied back to her, " Well it's a new day. '' and then she hung up the phone. By the time you all will get this complaint I will be caught up on payments, but I do not appreciate the harassment and providing private information about me. I have also never gave them permission to call me job from day one of receiving the check in the mail.
Consumer complaint received 2020-08-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: FORD MOTOR CREDIT CO. (VA)

It is about a XXXX car that I no longer have. On XX/XX/XXXX I purchased a used XXXX XXXX XXXX for XXXX from XXXX XXXX XXXX XXXX. located on XXXX XXXX XXXX XXXX XXXX VA XXXX. From the time of purchase and Until no longer had the car, XXXX, I took the car to their XXXX service to get oil changes, maintenance, repair and recalls. On XX/XX/XXXX transmission stopped working on the XXXX XXXX  while I was driving near XXXX XXXX XXXX located at XXXX XXXX XXXX hey in sterling XXXX, this dealer diagnose the car, and requested over 6000 dollars to get transmission repaired. I told the dealer that I was not going to spend any more on that car since I got my Ford Service Credit car charge over XXXX dollars in XXXX, and there is no way that car could have breaking down right after, unless that transmission came faulty, and should got it repair by the recall by the dealer service center. In XXXX of XXXX, an employee of XXXX contacted me asking me to sign off the title for the car and he was going to pay for the diagnostic fee that XXXX charged. I explained the situation to him and told him he could keep the car and pay Ford Credit Motor off, he declined and said that he was only offering to pay for the car the diagnostic fee to buy the car, around XXXX dollars. Ford Motor Credit Company repossessed it on XX/XX/XXXX and send a letter stating that they got around XXXX after expenses, XXXX before expenses. Ford Credit needed me to pay them XXXX. Ford Credit mail me a letter on XX/XX/XXXX that offered me to settle the debt for XXXX dollars. I am declining for 2 main reasons find out that similar cars that were sold around the same time, same model have transmission issues and also the book value of that car is not XXXX dollars, I finished paying the Ford services credit card and I have made close to XXXX dollars on car payments and Ford still wants more money for a car that came faulty. On XX/XX/XXXX at XXXX XXXX  I have a warrant in debt hearing scheduled at XXXX general district court. The attorney for plaintiff is XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX VA XXXX. 
I am disputing charges due to transmission being faulty. Please help. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-28
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 AM INCLUDING NOW A FOURTH LETTER FROM XXXX DATED XX/XX/XXXX. THIS IS NEW AND RELEVANT INFORMATION. Experian continues to report the XXXX account number XXXX. They are refusing to delete this item from my credit report in spite of the fact that XXXX has requested that they delete the account from my credit report 3 times. On XX/XX/XXXX XXXX sent a request to Experian to delete the account from my credit report. On XX/XX/XXXX XXXX sent a request to Experian to delete the account from my credit report. On XX/XX/XXXX XXXX sent a request to Experian to delete the account from my credit report. Experian continues to refuse to delete the XXXX account. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX NY XXXX XXXX.
Consumer complaint received 2020-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I XXXX XXXX have made three separate requests for a credit report on all bureaus, and the only bureau that complied was XXXX. I have no idea why it would take so long to obtain a free annual credit report, but I have showed XXXX and Trans Union the cover page from XXXX to validate my residency. I need for both bureaus to comply and release my credit report mandated through the Fair and Accurate Credit Transactions Act.
Consumer complaint received 2022-12-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I deposited XXXX checks in the amount of {$28000.00} in an ATM at Chase XXXX XXXX XXXX ATM on XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/2022 at XXXX. 
The ATM malfunctioned. 
The ATM Rebooted in the middle of the deposit process. It showed that its performing a Software Update. Once the Update was completed it returned with a RED Message saying the ATM was not in service. 
The ATM did not Deposit my funds nor did it RETURN MY XXXX CHECKS I had inserted. 

I immediately went inside the bank and asked for help. I wasnt helped with any urgency or concern. The teller names XXXX ( she didnt have a name badge nor would she tell me her name ). XXXX told me I needed to call the claims department and they she cant do anything because they dont deal with that. I was very upset and concerned about my {$28000.00} in checks in limbo in their ATM outside. XXXX couldnt have cared less, she didnt try to help me or find him. She ignored me and took another customer behind me and ignored any requests for help. 

I spoke to the next bank teller ( XXXX ) he calmly helped me get to a supervisor to help me figure out what we need to do. 
The contacted banker named XXXX. XXXX had an attitude as if I was bothering him for requesting help with the problem of their Malfunctioned ATM taking {$28000.00} of my MONEY! XXXX did file the claim with Chase Claims department. 
They told me I might get a temp deposit but it could take up to XXXX days to resolve. 
Now I am out of {$28000.00} that I direly need to PAY MY BILLS! 
Chase couldnt have cared less, no urgency or care. I was upset and needed emergency help with my checks in their ATM. I was concerned the machine would come back into service and spit my check out on the ground or into the hands of someone else. 

I want to file a FORMAL COMPLAINT on CHASE BANK and XXXX for how the handled this issue. 
Chase Bank needs a better process to retrieve customers checks and money from malfunctioned ATMS vs telling them too bad you will now wait XXXX days for a investigation to be completed.
Consumer complaint received 2020-05-06
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. (VA)

On XX/XX/2020 a fraudulent collection account was placed on my Experian credit report. I immediately filed a dispute to dispute the account as its not mine. Experian in violation fcra laws updated the account on XX/XX/XXXX to reflect a different due month. 
There are no documents nor statements to validate my ownership of the account. 
I have not been to the doctors in years and my kids are covered under their dads insurance for all expenses. I reached out to him and he confirmed all services were paid by insurance. 
XXXX  collection in violation of collection laws has refused to provide supposed documents or bills. 
I did not receive any document or statement tying me to this fraudulent account. 
The fraudulent collection is being updated to fraudulently reflect activity that did not occur.
Consumer complaint received 2020-08-28
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (MI)

I applied for a VCA IRRL refinance through my existing mortgage company ( Freedom Mortgage ) I started this process in XX/XX/2020. Originally everything went well and we closed on the refinance on XX/XX/2020. My new payment was not due until XX/XX/2020. Approximately 2 weeks later I received an email from XXXX XXXX ( Customer Advocate ) for Freedom Mortgage stating he would be handling my case going forward and would be contacting me to schedule a closing date. I was confused as I had already closed and did not need to schedule another closing. I was then informed that the funding of the loan had not gone through and that I would need to redo the refinance in order to complete the process. Then weeks passed an I never heard anything from him on the status of this VA IRRL. I eventually told him to stop moving forward with the process as it is my intention to take my business elsewhere.
Consumer complaint received 2020-08-28
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I noticed a inquiry on my credit report from Capital One that I did not make, I have reached out to them numerous times to let me know what is going on and have been either put on hold and forgotten or told they are not seeing an inquiry, I am very worried about identity theft and am very upset that Capital One continues to ignore the fact someone made an inquiry, I don't know if they approved a card and seeing that my credit is XXXX I know they most likely did issue a card, I don't know where to turn and hope you can help me get this resolved. I have uploaded the letter sent to Capital One back in XXXX and a screenshot of my XXXX XXXX showing the inquiry.
Consumer complaint received 2020-08-28
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. (AR)

and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong I went to file my taxes to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: SYNCHRONY FINANCIAL (CA)

Fraud or scam involving negotiating the correct amount of credit card balances as est. settlement amount while showing the highest amount of balance seen at one point before credits in general applied and credits for creditors errors applied as the estimated creditor balances. Concern is that my privacy was invaded enough for a third party to identify the discrepancy while the creditors include the checking and savings account company do not resolve the ongoing issues complained of on the account. As explained, such errors arose through blatant criminal activities as reported, including burglarizing the home to remove record keeping to not produce receipts to display the date that the credit should have continued to be displayed on, just not at the moment it was received and cleared, and then removed from view once the records were stolen during home invasions. There arent savings for using the service. A lower price is not negotiated. This is akin to someone like an internal manager reversing a credit after illegally robbing a house and saying the customer processed this return a month ago when the customer said that this shampoo was defective because it had XXXX in it or this bottle incorrectly stated that it was only for XXXX hair when it was constantly used in the past by all types of hair and advertising has not displayed such and such shampoo causes hyperpigmentation and curling within one wash with recommended palm size application and such was used.
Consumer complaint received 2020-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I paid this debt with a collection agency. It was a settlement in full. I no longer have a balance according to the debt collector. I received paperwork stating such, however the original creditor is reporting a balance due. I also paid a different debt with the same collector and same terms, and that one no longer shows a balance on my report. I have tried several times to dispute/submit this information showing I paid to the settlement terms and no longer have a balance with XXXX, the debt collector and Capital One to no avail.