davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/ 2021, I sent all bureaus a dispute letter regarding my credit report. I believe it was a misuse of my credit report. this is very urgent, and I need them to look at it
Consumer complaint received 2021-10-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Bread Financial Holdings, Inc. (MN)

XX/XX/2021, Wayfair debited from my checking account for merchandise I never ordered or received. This occurred 2 times on the same day. One amount for {$800.00}, and the other {$180.00}. I did not order these items. Additionally, my bank charged me a {$30.00} processing fee. 

I have contacted Wayfair via the telephone and was told this matter was going to be referred to Wayfair 's XXXX team. 

To date, I have not received a credit refund back from Wayfair. 

These debits from my checking account have place hardship and as a result, I am not able to pay my monthly bills.
Consumer complaint received 2021-10-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

On XX/XX/XXXX, I discovered that my credit card with Bank of America ending in XXXX had been stolen. 

I immediately called Bank of America and initiated a fraud claim. I clearly stated to the investigator that I never received this card, meaning that I did not have possession of this card at the time the transactions were completed. BoA informed me on XX/XX/XXXX that I would be receiving provisional credit for all charges in the claim. On XX/XX/XXXX, they informed me via letter that they had denied my claim, citing the fact that my physical card was used to complete one or more of the transactions. I did not receive the letter stating this until XX/XX/XXXX, at which point I promptly called the fraud department again to request that they reopen my claim and clearly note that I did mot have possession of the card used to complete the {$8000.00} in fraudulent charges. 

I was told that my dispute had been reopened- but my claim status online is still closed. Additionally, my new card has been locked. When attempting to call a different department to resolve the locked card, I was told that they were unable unlock it, and that they would transfer me to the fraud department. After 10 additional minutes on hold, the call was terminated by the other line. 

I am simply requesting that my account be permanently credited for the charges that were completed with a stolen card, and for my account to be closed immediately thereafter.
Consumer complaint received 2021-10-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central States Recovery, Inc. (KS)

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 

Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC.13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note the enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XXXX, XXXX, XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account, a copy of any HIPAA authorization. 

Please be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. 

I require compliance with the terms and conditions of this letter within 30 days, or a complete withdrawal, in writing, of any claim. 

In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State, & Federal authorities, the CFPB, XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of Kansas medical privacy rules .

I also hereby reserve my right to take private civil action against you to recover damages.
Consumer complaint received 2021-10-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CURO Intermediate Holdings (KS)

Hello. 

I am currently working with Speedy Cash to pay off my loan with them. My payments are going through with them and there is no trouble even though I had been behind for some months. 

Another party called XXXXhas been harassing me the last week with over XXXX emails, a few long text, and phone calls. 
They have threatened to come to my house and my workplace. They first said by XXXX  and then they switched their wording to XXXX. They have threatened to sue, adding amounts each time they send an email. They are also asking for my payment information and private details. I dont believe my speedy cash loan is supposed to be collected by XXXX and they are being inhumane, disrespectful, and using threats and words of harassment. They repeatedly said they will come to my house and workplace. Along with many false claims and rude comments I need this to be solved. 
Speedy cash is working with me and there are no issues between us. XXXX however has some of my info and is wanting all my info. Not sure what else I can do about this and Im worried they can try finding me at my old address and workplace. 

I will attatch all emails and records shortly
Consumer complaint received 2021-08-27
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. (FL)

I filed a complaint # XXXX against Transunion, They responded that I was not one of their customers or a customer representative and they could not address my complaint. Transunion is playing games to get out of taking responsibility for allowing XXXX XXXX XXXX to report a fraudulent debt. They know good and well I am a customer and I have a credit file with them. They know who XXXX XXXX XXXX is and they know that they are authorized to investigate. They have addressed numerous complaints I have already filed against them. They need to quit playing games and answer my complaint. They are allowing debt that the SC Attorney Generals office ruled to be fraudulent to be reported on my credit report. Transunion knows this debt is Fraudulent yet they continue to allow it. Quit playing games and justify why you ( Transunion are allowing a debt that was ruled fraudulent by the SC Attorney generals office to be reported on my credit report. The CFPB need to make them stop playing games and address the complaint. Justify why you Transunion are allowing a debt that was ruled fraudulent to be reported on my credit report.
Consumer complaint received 2021-08-26
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: COLORADO HOUSING AND FINANCE AUTHORITY (CO)

My second mortgage account ( a downpayment assistanceloan ) was incorrectly reported in forbearance as of XX/XX/XXXX. I have never requested a forbearancenor would I ever need one on this account as it is a no-interest, no monthly payments due, and does not need to be paid until a refinance, sale, payoff, or XXXX. This was discoveredby another bank during a prospectiverefinance at the end of XX/XX/XXXX. 

I have requested this be corrected multiple times over the past month ( or more ) via phone of the bank 's ( XXXX Mortgage ) customer service line but have yet to be successful. I've also been reassured multiple times by customer service agents that this was under investigation ( which would take up to 20 business days, initiated on XX/XX/XXXX ) and, as of XX/XX/XXXX, that investigation was completed. The representative I spoke to on XX/XX/XXXX, told me that it was only investigated for XXXX and not all of the credit bureaus, even though I requested, multiple times, it to be investigated and corrected for all bureaus. The representative that I spoke to on XX/XX/XXXX, said that there would need to be anotherinvestigation with another 20 business day lead time. 

I also attempted to get a letter from the bank stating this account was never in forbearance and that it was in good standing so that the bank I was attempting to refinance with could continue the refinance while the credit report was updated. This letter was requested on XX/XX/XXXX. I received the letter on XX/XX/XXXX, but it was incredibly vague and was full of grammar/spelling errors. The substance of the letter is as follows : " We can confirm that for you loan ending in XXXX there was in forbearance on that account. That account is currently considered current and in good standing. '' This was not able to be accepted by the refinancing bank. Upon contacting the bank 's customer service I was then told that I would need to wait until the completion of the investigation mentioned above ( expected XX/XX/XXXX ) before they could issue a letter stating that the account was never in forbearance.
Consumer complaint received 2021-10-09
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. (TN)

I have contacted all three Credit Bureaus/Agencies XXXX XXXX XXXX XXXX, TransUnion ) and the Creditors ( 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 involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Consumer complaint received 2021-10-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Santander Consumer USA Holdings Inc. (FL)

** THIS IS NOT A DUPLICATE COMPLAINT. ** XX/XX/2021- Santander saw equity in my vehicle and even though we had a payment arrangement in the middle of a World wide pandemic wrongly repossessed my car. 

XX/XX/2021 - I filed a Chapter XXXX bankruptcy. That places an automatic stay on the car which Santander Consumer ignored against the US Bankruptcy laws. 

XX/XX/2021 - My car was returned damaged. Below I include a .pdf with the timeline and pictures of what happened. 

XX/XX/2021 - I filed a claim with Santander Consumer. I was told the company experienced damages due to repossessions. The company would fix my vehicle to the same condition as when it was taken. 

XX/XX/2021- Santander Consumer said they found no problems with the return of my car and would not fix any damages or replace missing parts. 

Santander Consumer wrongfully repossessed my car on XX/XX/2021. The company they hired was XXXX XXXX who broke my car rack and kayak carrier, scratched the exterior of my car, put paint inside the car and stole my spare tire kit. Santander Consumer and their shady business partners have stopped my full use of a car, a car I am paying for, for the last six months. When anyone touches your personal property that property must be returned in the original condition it was taken. 

I have been lied to by Santander Consumer and its business partners. I have been cheated of the use of my vehicle, my time and money. And, Santander Consumer continues the same deceptive, misleading and cheating business practices they have a long list of class action lawsuits they continue to lose because the way Santander Consumer is treating consumers is against our laws.
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX : - ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2021-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MO)

I had a 1st mortgage and equity line of credit thru FifthThird Bank. I paid these loans off via a wire on XX/XX/XXXX and XX/XX/2021. After numerous calls, emails, etc. to date I still have not received my escrow account refund of over {$3000.00} and an overpayment on the payoff of {$350.00}.
Consumer complaint received 2021-08-26
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: Exeter Finance, LLC. (WA)

I have been disputing this account since XX/XX/XXXX and I have been asking for verification documents to show that this account does in fact belong to me and they have not responded in writing with any information. When I contact these companies by phone they are not even able to locate my account with my name, social, and address.

Exeter claims that they responded to my validation request on XX/XX/XXXX and XX/XX/XXXX but I never received any contract or validation documents from them. I would greatly appreciate these documents being uploaded to this site for The CFPB and myself to see. 
I would also like to request a payment history. There is different payment history being reported between the three credit reporting agencies that are changing the statute of limitation of this account and re-aging the account which is against the law. This alone is reason enough to delete this account from my credit.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : -XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX # XXXX -XXXX  XXXX XXXX XXXX # XXXX -XXXX XXXX, XXXX # XXXX -XXXX XXXX XXXX, XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX 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
Consumer complaint received 2021-10-07
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: ENCORE CAPITAL GROUP INC. (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2021-10-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (NY)

In regards to my loan that has recently been transferred to SN Servicing Corporation. 

Further, we are requesting and have not received a QWR. There are also irregularities in the modification for {$220000.00} forgiveness amount. Please see modification attached. 

Account number : XXXX Thank you, XXXX XXXX
Consumer complaint received 2022-05-05
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (DE)

This is my second time trying to get some type of justice here. I recently filed a complaint against the same company, title max in XXXX Delaware regarding my issues. First off, the previous complaint I submitted was, without even my say/input, closed on their behalf? A lawyer of theirs submitted a statement back and then I have no response back? Thats not fair. 

Since this was closed, I have called title max to try and get some type of payment set up for me. Per the last lawyers statement, he stated to contact titlemax ti get my account back to normal. IVE SINCE THEN DONE SO. Ive made several phone calls and left several voicemails. I received NO response back except for a wuick 2 second call from them only for them to hang up the second I get to answer which is on the second ring. I then get voicemails, an automated voicemail at that thag says to contact them regarding my account. I find it a little ridiculous that I am getting those calls when I have been doing that for about a month now. 

Im asking for them to PLEASE CALL ME TO WORK WITH ME AND SET UP SOME TYPE OF PAYMENT PLAN! 

I expect some type of reasoning here in my favor and not a response back from someone who isnt even present in this state. On Saturday XX/XX/2022 the employee there said my account was CURRENT and I believe her name was XXXX? Forgive me if I spelled it wrong. XXXX XX/XX/2022, my account has been current which means Ive been making the payment. The manager there, XXXX told me the same thing verbally. However I am having financial issues right now due to COVID & I would like for someone to please call me instead of an automated machine. They will not repossess my car when this whole time nobody has been contacting me back. In my previous complaint, the lawyer for them said I wasnt contacting the storeWell here I am contacting them and shockingly NO RESPONSE FROM THEM
Consumer complaint received 2021-10-07
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: CITIBANK, N.A. (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/2021 This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

4. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/2021 This is not mine. 

5. Identity Theft THD/CBNA  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Throughout the WHOLE year of 2021 I have been in contact with Transunion to advise them that the bankruptcy reported were incorrect I have MAILED, did online disputes with proof from the source XXXX XXXX that these bankruptcies are incorrect and have been deleted. However the only response is that this information has been verified with no proof. Proof has been requested and still no results. The only company that has acknowledge and fixed is XXXX with no hassle.
Consumer complaint received 2021-10-07
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: EQUIFAX, INC. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.