davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (AL)

I received information from you attempting to collect the above-listed alleged debt.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. Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. 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. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2021-03-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A Auto Loan From XXXX XXXX was opened in XX/XX/XXXX and TransUnion has been reporting as bad debt since XX/XX/XXXX I have reached out via mail to TransUnion to verify the inaccuracies and have not gotten a response in over 30 days.
Consumer complaint received 2021-03-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/XXXX I lost my smartphone. In it I had apps from my bank, my password, users, and the cellphone had no block code. Somebody found my smartphone and made a transfer from " My XXXX XXXX account '' to " XXXX XXXX '' for {$1000.00}. On XX/XX/XXXX I saw this fraudulent transaction and called the bank to stop it, because the transaction still had the pending status. For 3 times, the representative 's bank told me that I need to wait for this to be confirmed to start a claim. On XX/XX/XXXX I started my claim, after 5 days I received a letter where TD Bank request 45 days to investigation and my case may be resolved. The bank sent me a provisional credit until the investigations finished. Until XX/XX/XXXX I did not receive any notification from Td Bank, so I assumed that the case was resolved. 

On XX/XX/XXXX I received a letter stating that the case was declined, and the bank was going to reverse my temporal credit by {$1000.00}. The debit happened on XX/XX/XXXX and from here my account was overdrawn, causing me to pay a total of {$280.00} for returns. 

Since XX/XX/XXXX that I received the letter, I have called the bank 10 times XXXX minimum ) to claim the decision because it is illegal and it is out of time : The bank requested me 45 days and it expired by XX/XX/XXXX. Now, they said that it is 90 days. They move the date at their convenience. I checked the TD Bank website, and it never says 90 days. 

TD Bank in the letter said that the reason for the first decline was because XXXX XXXX told them that the transaction was made from my cell phone. That's true!!. I reported it from the beginning.. I " Lost '' cell phone. They did not give me a valid reason. 

Despite this, on XX/XX/XXXX I sent to TD Bank a police report ( because td bank requested it XXXX to solve the case. Additionally, I sent my phone bill, where everybody can verify that on XX/XX/XXXX I had to request a new cell phone due to the loss of the previous one. 

As of XX/XX/XXXX when I received the letter, a second case was opened to review the final decision with all the documents that I attached, and today morning ( XX/XX/XXXX ), they tell me that the " XXXX card '' does not authorize the refunds ... I have business with a TD bank account, not with XXXX ... That is not my problem! 

I don't know where the protection that TD Bank XXXX to your customers.I have given proof that I lost the cellphone.From the beginning, when the transaction was pending and the problem was little, I called the TD Bank, but the bank let this grow. Not only do I claim my {$1000.00}, but also the reimbursement of the fees caused by the debit of the {$1000.00} made on XX/XX/XXXX ( until today, {$280.00} XXXX. 
I have tried 3 weeks to solve with TD Bank, I sent ev
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX is reporting my student loan late for XXXX and XX/XX/XXXX. 
1. ) I was in school so my loan should have been in deferment. 
2. ) I received ZERO notification from XXXX during the first 90 days of the pandemic. No Phone Call, No Email, No US Mail. 
3. ) The Cares Act signed into Law XX/XX/XXXX States that XXXX XXXX XXXX can not report late from XX/XX/XXXX and XX/XX/XXXX 2021
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX is reporting my student loan late for XXXX and XX/XX/XXXX. 
1. ) I was in school so my loan should have been in deferment. 
2. ) I received ZERO notification from XXXX during the first 90 days of the pandemic. No Phone Call, No Email, No US Mail. 
XXXX. ) The Cares Act signed into Law XX/XX/XXXX States that Student Loan Servicers can not report late from XX/XX/XXXX and XX/XX/XXXX 2021
Consumer complaint received 2021-06-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: Comerica (NC)

My mother died on XX/XX/XXXX. She had a Living Trust account at Comerica Bank, originally set up at the XXXX XXXX, XXXX, MI branch. After extensive and repeated efforts to try and close the account, and get the several XXXX dollars back, I finally was successful, almost 2 years later, on XX/XX/XXXX. On this date, I received a check for the total amount in the account with a letter stating the following, " Dear Mrs. XXXX, Enclosed please find the check for closing the reference account ending in XXXX. Per the instructions of our legal department, the cashier check is payable to XXXX XXXX XXXX Living Trust. Sincerely, XXXX XXXX. 

Much to my shock and dismay, on XX/XX/XXXX, I received a letter from the Comerica Bank stating that my mother 's account was overdrawn and must be immediately returned to a positive balance. I was charged {$48.00} with a date of XX/XX/XXXX ( more than a month after I received the check and the letter letting me know that the account was closed ). 

I made several attempts to contact Comerica Bank, with no success. My objective in filing this complaint is to make sure that the record is clear that the account is closed and that no fee is charged and in no way should this reflect on my credit as I am trustee of my mother 's estate. Furthermore, Comerica should work on its process and consumer engagement, as this was a very unsatisfactory experience.
Consumer complaint received 2021-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

I was on a Covid FB plan for a few months and in XXXX I accepted a Covid Deferral but I feel the deferral was not processed correctly as they did not defer the escrow payments ( which I read should be deferred on a XXXX  Loan ) I tried to contact them on the issue and have spent 15-20 minutes last week and 15-20 this week just trying to get to someone who can help me. I was told by customer service I need to speak to Loss Mit and then by Loss Mit that I need to speak to customer service all while not allowing me to speak to a sup about the issue with what they claim is an over {$4000.00} escrow shortage. I have been hung up and today while explaining my issue was transferred back into the call queue. I have asked for a Sup or anyone to assist with my issue and have gotten zero help.
Consumer complaint received 2019-09-10
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. (DE)

On XX/XX/2019, I filed a formal complaint through the CFPB stating " I sent the credit bureaus four notarized dispute letters through certified mail on XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019 asking for the bureau to furnish the original documents used in their method of verification for ten accounts which still remain unverified. After 30 days, each time the bureau failed to provide any documentation, instead merely saying the accounts are verified, which would be impossible to do without taking the previously addressed steps. This is a violation of FCRA Section 609 ( a ) ( 1 ) ( A ). XXXX, in particular, has also failed to correct my name on my credit report. XXXX continues to display variations of incorrect names of other people, and TransUnion has submitted their responses late after 30 days on two occasions. '' However, TransUnion closed the report without taking any action, stating that they would respond within 60 days. This is completely unacceptable. The complaint CAN NOT be closed until the issue is FULLY RESOLVED. This additional complaint does not extend TransUnion 's deadline. This needs to be solved within 30 days of the original complaint date.
Consumer complaint received 2019-09-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (IL)

I applied for my home loan through chase bank. Beginning at the end of XX/XX/XXXX chase bank still told me to wait until XX/XX/XXXX. my closing date is XX/XX/2019So I missed my closing datechase bank inefficient work, my rental APT has expired and I need pay additional lawyer fees and pay cancelation fee to XXXX XXXX XXXX XXXX, chase bank wasted my time and money I have paid {$500.00} for property valuation, chase bank Official website said " Guaranteed fast closings or get {$1000.00}, Were committed to making your new home purchase as easy as possible. Now we also bring peace of mind with the Chase Closing Guarantee : we promise an on-time closing in as soon as three weeks or you get {$1000.00} back. '' I decided not to wait, I want to cancel my loan
Consumer complaint received 2022-02-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (ID)

XXXX XX/XX/2021, I attempted to pay off my home 's $ XXXX principle. I logged into PennyMac.com website to accomplish this. PennyMac 's system accepted a XXXX daily payment of {$99000.00}. I paid this amount on XXXX XXXX then attempted to make my XXXX payment but their system wouldn't allow me to pay the remainder. I attempted several amounts until it accepted another $ XXXX amount ( XXXX XXXX ). The $ XXXX difference it would never let me pay so I phoned & after XXXX min of wait time I was able to speak with an agent. I was told I had to request a payoff amount to conclude the loan and it would cost? {$20.00}. I reluctantly accepted this ( twice as I recall ) but never received the payoff amount ( didn't verify but probably was charged the fee ). Disappointed & not desiring to spend the time or money to speak with another representative to try a third time, I decided to incur the incremental finance charges & let my monthly recurring deduction cover the XXXX XXXXXXXX balance ( PennyMac has been deducting XXXX XXXX monthly since the loan 's inception ). In XXXXXXXX, I owed ~ {$800.00} so expected their auto withdrawal would pay off my balance but PennyMac unexpectedly ceased withdrawing from my account. In XXXX, I received a notice that I was XXXX months behind in making house payments. I phoned again - spending my XXXX minutes with their representative. I attempted to pay to remove myself from the " Delinquent '' status but she was unable to accept due to only owing {$860.00}. She informed me she was going to request a payoff amount & it'd post in my account in XXXX hours. I shared the failure of this process in times past. She suggested I provide my fax number as this is apparently a more dependable process. I'm like most of the XXXX population that does not have a fax machine for personal use & find this a clear indicator of a business trying not to facilitate communication. So, I checked my online account for this payoff note but it was not there. Today, I had a person pull into my drive to take photos of the house at the request of PennyMac. I believe PennyMac is purposely making it difficult/impossible for their consumers ( me specifically ) to payoff their loans. I believe their motive is clear ( incremental interest billing, fees & fines, deed to a XXXX XXXXXXXX home where all but {$860.00} has been paid off ).
Consumer complaint received 2023-05-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX.
Consumer complaint received 2022-03-27
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: Experian Information Solutions Inc. (CA)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2023-07-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX XXXX - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days I have not received a response yet. I feel like I'm being taken advantage of and being ignored with my disputes. Section 611 [ a ], it plainly states that the failure to investigate these days within 30 days gives a reason to immediately remove these items from my credit report it has been over 45 days today so they should be the immediately deleted. I demand these accounts be deleted or I will file litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and maybe got into the wrong hands.
Consumer complaint received 2021-03-25
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (TX)

I purchased a XXXX XXXXXXXX machine from Amazon for XXXX on XX/XX/2021. The machine never arrived. I contacted Amazon several times. Finally Amazon stated that they were going to refund the money to my Amazon Credit Credit Card. I still have not received my refund. I'm still being billed for merchandise that I never received
Consumer complaint received 2023-01-12
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)

Equifax, XXXX and XXXX credit reporting agencies have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the accounts XXXX XXXX XXXX  and XXXX XXXX. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the collection posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove these accounts for not complying with FCRA reporting. 
XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance : {$100.00} XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance : {$120.00}
Consumer complaint received 2021-09-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC. (SC)

When I was in the process of deciding who to refinance with, I had it narrowed down between two different loan companies. I told one company that there was about {$2000.00} difference in the closing costs in the loan estimates. That loan officer told me that if I got my documentation in that day, he would get me exceptions to match the other company. He stated this on a phone call and over email. This is after I had broken contact with my other loan options since I thought that this person would hold true to their word. 

I got my documents in and he did not get any additional exceptions. Even though I have an email with him stating that he would do this, the company is telling me that there is nothing that he could do.
Consumer complaint received 2022-02-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC (DE)

As a consumer and the natural and original creditor i have been violated by this company based on XXXX XXXX XXXX XXXX XXXX ( XXXX ) that i have to give written consent to report anything on my consumer report and i have no idea of this collection nor have i signed anything giving them permission to furnish a copy of my report or report negative accounts which is currently damaging my consumer report. I am demanding this account be deleted and removed from all consumer reporting agencies. Also i am attaching a validation of debt letter that i am demanding a copy of the ( original signed document ) attaching to to the alleged debt. Further legal litigation will be taken if these terms are not met!!!!!
Consumer complaint received 2022-02-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

XXXX XXXX services, only contacted me using a text that contained a link and said action will be taken if I dont pay. I tried to contact them because I refuse to click a unknown link that I randomly get on my phone. I told them I wanted a written noticed and they refused.
Consumer complaint received 2021-09-21
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX, I went to The XXXX XXXX store located in XXXX XXXX in XXXX XXXX XXXX, FL to buy 3 brushes and a shower cap. When I approached the register to pay for the items the store manager asked if I wanted to join their reward programs for discounts and I said to her sure, I just want to make sure that it is not a credit card and she replied : No, this is not a credit card, this is just a reward program I noticed that she asked for my drivers license but I didnt think it was a red flag because I thought that she needed it in order to have me join the reward program. Later about 2 weeks later I received a XXXX credit card in the mail, and I was furious! I called the bank, and they didnt know how to help me. I proceeded to call XXXX XXXX  corporate Office : XXXX and they created a case number:XXXX and apologized for what the employee did. I just reported the fraud to Equifax, and they need a report from FTC/ CFPB. I only own 2 credit cards : the XXXX card for my business and an extension of my husbands XXXX XXXX XXXX Credit Card. Therefore, I am not used to applying for Credit Cards.
Consumer complaint received 2022-04-12
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: Experian Information Solutions Inc. (MD)

I received a credit inquiry alert from MY ID Care. Someone had my SS # and birth date and were attempting to open a credit card with XXXX XXXX XXXXXXXX. I disputed the inquiry.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.