davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (OH)

I pulled up a copy of my credit report and seen there were some accounts that are not mines and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : COMMONWEALTH FINANCIAL SYSTEM # XXXX, XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX
Consumer complaint received 2021-04-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (WA)

Hello, I am writing to request clarification and possibly legislative action to : 1. Stop the practice of Lenders to falsely require a loan to be in default of at least 30 days before they can provide payment plan alternatives, including COVID-19 related relief. This happened to me when I first contacted my current Lender. In my conversation with the agent when I was asking for clarification around applying for the Forbearance program under the CARES act I was told specifically that I should first make sure I was 30 days past due on my current loan otherwise they would not have been able to process any options. Clearly a falsehood and it would have tagged me right away as in default and kept me so in their records for the full extension of the program and possibly beyond. Luckily I did not trust the conversation and applied regardless of my " current '' status.

2. The initial approved Forbearance period is granted for only 90 days. Not the full 180 days as defined by the CARES act. This is a point of clarification that needs to be made on whether the Lenders have the latitude to decide on their own what the initial approved plan length or extensions should be. If this is not how the law was intended to be enacted it should be clarified and enforced asap. 

XXXX. The latest update to the XXXX XXXX XXXX is a bit ambiguous. " If your mortgage is backed by Fannie Mae or XXXX XXXX : You may request up to two additional three-month extensions, up to a maximum of 18 months of total forbearance. But to qualify, you must have received your initial forbearance on or before XX/XX/2021. Check with your servicer about the options available. '' This language leaves some room for interpretation of the meaning of " ... received ... on or before XXXX XXXX ''. If I have a letter of acceptance into the plan dated on or before that date, but the next due payment is in XXXX or XXXX of 2021 does that disqualify me from being able to take advantage of the new extension rules? 

Thank you for your time in considering the above. 
I hope this finds you and your family healthy and safe. 

XXXX, XXXX XXXX
Consumer complaint received 2021-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern : On or around XX/XX/XXXX a letter from XXXX XXXX  who is acting on my behalf forwarded a dispute and inquiry to XXXX. TransUnion received this dispute and inquiry as no return letter has been given to myself or XXXX XXXX to establish a wrong address. Therefore, the TransUnion address is correct and mailing was complete. Thus, it is presumed TransUnion received this letter pursuant to Florida and Federal law. See the case Perry v. GMFS , LLC, No. 2 : 18-cv-01572-MHH ( N.D. Ala. XXXX XXXX, XXXX XXXX XXXX " The presumption of receipt arises upon proof that the item was properly addressed, had sufficient postage, and was deposited in the mail '' ) ( " citing Barnett v. Okeechobee Hosp. , 283 F.3d 1232 ( 1XXXX XXXX XXXX ) '' ). See also Berwick v. Prudential Property & Cas. Ins. Co., 436 So. 2d 239 ( XXXX XXXX. Ct. App. 1983 ) ( " It is presumed that mail properly addressed, stamped and mailed was received by the addressee '' ). IN THIS INSTANCE DSK Law properly addressed and mailed to TransUnion the dispute and inquiry on my behalf. TransUnion has received the dispute and inquiry from XXXX XXXX. Thus, TransUnion is purposefully refusing to investigate and respond back to XXXX XXXX with the results of the investigation. Furthermore, TransUnion is continuing to allow information that has been identified as information being reported as a result of identity theft ( i.e. XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX and allowing outdated information to remain on my report XXXX XXXX. XXXX XXXX XXXX XXXX being remaining more than seven ( 7 ) years on my report ). XXXX XXXX is reporting information it knows to be false regarding one of its affiliates purporting that I defaulted on a credit card. On a card that I had there was a payment made on a date that is less than 30 days from the previous payment. Typically in order for a person to default the person must at minimum be at least XXXX to 180 days behind. I was not 90 or 180 days behind. Please investigate this matter as XXXX is attempting to circumvent the legal process and avoid their statutory duty pursuant to the FCRA to investigate and respond accordingly to the findings. Thank you for your attention to this matter and I look forward to hearing from your office soon. Sincerely, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2021-04-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NH)

I contacted TD Bank about refunding the {$70.00} in fees they charged me. Due to the pandemic, it has been hard on me and TD Bank is one of the only banks still ignoring the financial troubles people are going through and taking more money from them anyways. The same day it went negative, I transferred money from my savings from a different bank into TD Bank, but apparently immediately paying them to make it positive again was " too hard on their multi-billion dollar business ''. 

The name of the supervisor who declined to assist during the great recession is named XXXX. The call was made ended at about XXXX Eastern Standard Time on XX/XX/2021.
Consumer complaint received 2023-08-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (TX)

so i filed for disput on fraud that cause the scammer was impostering as a doctor now on XX/XX/XXXX I talked to my case manager about this dispute for over an hour in detail. i asked if he wanted the emails an dhe said no on XX/XX/XXXX I received a email saying regarding the claim mentioned above on XX/XX/XXXX a case processor you spoke with agreed to a extension. i called us bank to have my case manager call em. the next morningthe case manager called me and I asked did we ever talk about a extension and he said no, I asked is there any not of a extension he said no and then I asked do you know anything about a letter of a extension and he said no. then I asked what exactly do you kneed information wise and he said just dates and ia sked do u want the email and he said so around XXXX I called back fought for XXXX min trying to give the dates. 
XXXX XXXX I received a letter sayinwe requested additional information from you concerning your dispute unfortantley we have received a response to our request. there for you claim is denied I called the card member service department and they are avoiding the subject cause these leters are false document then ic called the police and they told me to contact the beru
Consumer complaint received 2022-05-17
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. (SC)

Credit card account marked as late on Experian however i was never late and even submitting proof they refuse to correct the error but yet marked account as verified. I have contacted the credit card company as well and they are also referring me to the credit bureaus for resolution so i'm getting not where.
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

I have had several items deleted from my credit report back on XX/XX/20 on credit report number XXXX. XXXX PLEASE SEE ATTACHED ) Looking at my current report online recently, Experian reinserted 2 of those items back on, that were deleted already. By law, You are required to notify me within five days of re-inserting a previously deleted item. I did not receive any such notification. Per FCRA, your are in violation of the law and are subject to fines if I pursue this in the court of law. Please delete these items immediately as I am in the process of getting a mortgage. The 2 items that were deleted and showing again are XXXX XXXX XXXX for {$720.00} and XXXX XXXX XXXX for {$420.00}. I also want to dispute a fraudulent item XXXX XXXX XXXX for {$120.00}
Consumer complaint received 2021-04-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MA)

Hi MidlandMCM ; I never had any relationship with you nor the original creditor XXXXXXXX XXXX! But Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-04-01
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: Experian Information Solutions Inc. (MS)

To Who May It Concern, This company has failed to comply within the 30-day timeframe of this letter. I recently pulled my credit report and I was notified of this collection that was taken out without my consent. I do not believe that this debt is accurate. Under the FDCP Act, I have the right to request and receive validation of debt. However, I do believe that this debt is not mine. According to the FDCP, this debt should be removed immediately from my credit report.
Consumer complaint received 2021-04-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC (MS)

I tried calling this company and they stated that they cant talk to me about this debt because it was sold, but they are still reporting this information on XX/XX/XXXX and XX/XX/XXXX credit report. They sent me a letter replying from my validation of debt. Stating that they have review the dispute and its lacking specific facts that will allow them to start an investigation.
Consumer complaint received 2021-04-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (WI)

i took a line of credit with monthy payments, after i thought i paind the loan off they said it was all intrest, thats not what the loan offiver said i resurched and found out it was 399 % intrest and nothing went to the principal and thats not what i was told, also i call and asked y they didnt tell me it was all intrest and the represenative said we gotch ya
Consumer complaint received 2021-04-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (FL)

XXXX {$1200.00} {$370.00} {$150.00} $ Was paid out to me from XXXX Mobile deposit them froze my account after XXXX release the funds Im lost saying that they cant send my funds I still have the paper checks that were sent to me via Mail
Consumer complaint received 2021-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CA)

On XX/XX/XXXX AmeriHome Mortgage provided us with a check after we re-financed with another company, for the XXXX refund in the amount of {$2800.00}. Unfortunately we did not cash the check prior to the period of 180 days before it becomes void. I called their Customer Service Line at XXXX on the following dates with the following outcomes : XX/XX/XXXX spoke to XXXX indicated she communicated with the Dept that handles closed accounts and a new check would be sent out. 
XXXX ( Pacific standard time ) spoke to XXXX who transferred me to XXXX. XXXX stated she put in the request to have it issue, said new check should be received in 7-10 days. ( length of this call including hold time was 1 hr 10min ) XXXX to XXXX who attempted to transfer me to the Purge Dept ( for closed loans ) but said Dept was having issues and to call back later or on another day.On this day also told I would be unable to speak with a supervisor because there is no open loan number and that is info that they need to put in in order for them to pick up call. 
XXXX Still unable to connect to the Purge Dept XXXX to XXXX and XXXX before being able to get connected to the XXXX XXXX. 
XXXX to XXXX, in XXXX XXXX, indicated process was started on XX/XX/XXXX and that the check was re-issued. She indicated that it takes 20 days to void and re-issue check and this being 20th day, I should have the check within 7 days, to be safe b/c of mail delivery. If we do not get the check, I can call back and request to be connected to her at XXXX. 
XXXX XXXX with XXXX who was supposed to transfer to Purge Dept. After being on hold for 50 minutes, XXXX picked up, not with the Purge Dept just regular customer service. Based on feedback she was getting from a supervisor, the check was never re-issued but first one was cancelled. ( contrary to what I was told on XX/XX/XXXX ) She took down email address so that they could provide me with info about when check was sent out. Indicated I should have it within 7-10 business days. ( length of this call was 1hr 30 min )
Consumer complaint received 2021-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

BELOW IS A LIST OF NAMES ON THE INQUIRIES I DID NOT AUTHORIZE. 

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 I HAVE SPOKEN TO CUSTOMER SERVICE OF TRANSUNION TO REMOVE THESE UNAUTHORIZED INQUIRIES AND THEY WOULD NOT TAKE CARE OF IT.
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am on forbearance with XXXX XXXX until XX/XX/2021, they sold my mortgage to another lender and reported my account as delinquent on XX/XX/XXXX which is totally false! I contacted XXXX XXXX and they stated that they were diligently working on the error. My credit score has dropped more than 20 points and the issue has yet to be resolved.
Consumer complaint received 2021-04-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Carter-Young, Inc. (TX)

This is a formal complaint against Carter Young Inc located in XXXX, GA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XX/XX/XXXX and XX/XX/XXXX. And not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Carter Young has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2021-04-01
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (MD)

We have attached screenshots of certain areas of our online credit report for today ( XX/XX/XXXX ) Our loan was sold from XX/XX/XXXX to XXXX XXXX back on XXXX of XXXX. It was later Service Transferred from XXXX XXXX to Shellpoint Mortgage Servicing with an transfer date of XX/XX/XXXX. It was also later Service Transferred from Shellpoint Mortgage Servicing on XX/XX/XXXX ( this year ). We have made XXXX total and payments to the Shellpoint starting on XX/XX/XXXX to XX/XX/XXXX. They have yet to update the credit bureaus with the correct information. The data is very different from each of the credit reporting companies. In the 17 payment period with Shellpoint, we were never able to get them to correct any of the incorrect reporting. Our hope today is to get the data reported correctly. In the attached screenshots it shows the incorrect reporting. They have attached " including purchase money first '' to type of loan. When asking about that attachment, the person at the credit bureau indicated it was a very negative thing to have associated with a loan. It is not in out loan documents and could never be associated with our XX/XX/XXXX loan, and in no way should it be associated with anything after the loan sale. Can that line be removed from our credit report as well as the other corrections shown in the screenshots. Our XX/XX/XXXX report has the last payment made showing in XX/XX/XXXX, but shows " last payment '' for XXXX. Please correct in all three credit bureaus to show that all payments were made including our XXXX payment. Also remove the " no data '' reporting XXXX before XX/XX/XXXX ) in the XX/XX/XXXXreporting. Please and for once rightfully update all credit reporting agencies with the correct data. And finally please close out the Shellpoint Servicing just as was done with Nationstar before the transfer. There should never be any activity reported prior to the transfer. The XX/XX/XXXXshows last reporting on XX/XX/XXXX, but does not include the XXXX payment we made to Shellpoint on XX/XX/XXXX - please correct this as well.
Consumer complaint received 2021-04-01
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. (OR)

This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. You are reported inaccurate information : totally different, or missing. I attached copies of my annual credit reports so you can find wrong information on my XXXX XXXX account.