davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-15
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: Bread Financial Holdings, Inc. (NY)

I pulled my credit report and saw an account that I didnt recognize, I contacted Community Bank XXXX an asked that they validate the debt as this is not an account that I opened. They have yet to validate the debt with either an application showing I opened the account with my signature and valid identification. They have only sent old credit card statements which doesn't validate the debt or prove that I open or are responsible for this account. It has been 2 months since XX/XX/2020 that I have opened a fraud dispute and nothing has been done to accurate validate this debt. I am asking that they provide valid verification that this account belongs to be such as an application with my signature or this account needs to be removed from my credit reports. 

The documents attached was what was sent to be to prove that this is my account after I sent a validation request.
Consumer complaint received 2021-03-24
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. (TX)

I have contacted XXXX  and Experian on numerous occasions in regards to the duplicate Bankruptcy that is on my credit for XXXX please see below as this doesn't belong to me. I provided the document to confirm that the one for XXXX is the only BK I submitted. See the attachment jts not for this below. 

Type Chapter XXXX bankruptcy dismissed Case number XXXX Date filed XX/XX/XXXX Status date XX/XX/XXXX Date reported XX/XX/XXXX Date paid XX/XX/XXXX Account Designator Co-maker
Consumer complaint received 2021-03-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners (MI)

I keep getting calls related to a medical bill for my son that occurred in XX/XX/XXXX. I paid the bill entirely in XX/XX/XXXX. I sent copies to XXXX XXXX XXXX in XXXX and XXXX showing not only the date of service but also that the copies of the cashed check. I've dealt with this now in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and now again in XX/XX/XXXX. The debt was passed on to Affiliate Asset Solutions and I've had to start the entire process over. Every interaction I've had with XXXX -- including an XXXX and a XXXX was met with a very rude reaction to my questions and comments. While they " technically '' answered my questions they did so in a passive aggressive/attitude driven way. I feel as though I've being treated unfairly when I've actually gone over and above to prove that I've paid the debt they are attempting to collect. 

The final answer they've given me is that it's pending review and it will take up to 60 days and I will have no notification if the debt is closed successfully which is unacceptable to me.
Consumer complaint received 2021-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (TX)

See attached letter. My mortgage company is illegally charging late fees ( {$100.00} ) - taking money away from an extra principal payment and enriching itself at my expense. The attached letter to Caliber Home Loans explains it all and how Caliber illegally stole my money by wrongfully assessing a late fee in XX/XX/2021. No credit was received on the XX/XX/2021 statement which is attached. This happens several times each year, especially on federal holidays. 

I am requesting the CPFB to get these XXXXs out of the mortgage business OR fine them and get them to adopt proper practices of not stealing their customers money. 

XXXX XXXX
Consumer complaint received 2021-02-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Seattle Service Bureau, Inc (AZ)

This debt is a written contract with a divorce lawyer from 2014. The statue of limitations in Washington on a written contract has expired RCw 4.16, I am not the sole owner of this debt and the company is destroying my credit by keeping it in all 3 bureaus, they are being fraudulent with the dates in order to keep it on my report. I have never received any mail from them.
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: AMERICAN EXPRESS COMPANY (FL)

I observed on my credit report that I had a delinquent account with American Express. This account had not been paid in years and I reached out to them to offer a settlement to have the account closed showing settled. When I contacted the company at XXXX I was told the account was in collections with XXXX collection company. I was told to contact XXXX at XXXX to settle my debt. I contacted XXXX on XX/XX/2020 and was told they were not handling any accounts with my information and that I would need to contact American Express again at XXXX. I once again contacted American Express and told them what XXXX informed me. I was then informed that my account must be in limbo between collection agencies and them and that I would have to call back at a later time. I asked to speak with a supervisor because it is my right to take care of debt on my credit report when I call and if they can not provide that service for me than I believe the debt should be removed from my credit reports all together. American Express is causing my credit to suffer longer than it should because I have the money to settle the debt on XX/XX/2020. I wish for American Express to provide me the means to settle this debt and to allow it to show settled as of XX/XX/2020 since this is the day I attempted to settle the debt or I request American Express to show the debt has been paid in full without collecting my payment since they will not provide me a way to pay it. The account is listed under my name and social as they would not provide me an account number.
Consumer complaint received 2021-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC (PA)

I began getting calls from XXXX in mid XX/XX/2021. These calls were actually being intercepted by my phone company XXXX 's robocall-blocking feature but I could see the Caller ID and number that was calling me. I called XXXX and was told that I had a balance due to XXXX of {$300.00}. I told them this account is fraudulent and they told me that this was being reported as fraud and would be referred for investigation. They told me that I did not owe XXXX anything. 
In early XXXX, I received nearly 20 calls over 4 days. I called XXXX again and was told that I still had a balance due to XXXX of {$300.00}. I subsequently found that someone had opened at least 2 accounts in my name, SSN, address and telephone number fraudulently. I also found out that there was a balance due on a second account of {$180.00}. 
When I contacted XXXX XX/XX/XXXX to report the fraud I wasn't even aware there was second account. I was told that the suspect account would be closed, that I am not responsible for the amount due and that their collection agencies would be made aware and would not contact me. 
On XX/XX/XXXX, I received an invoice from American Coradius International ( XXXX 's collection agency ) stating that I had a balance due of {$180.00}. When I followed up with XXXX on XX/XX/XXXX about this, I discovered this was the second fraudulent account under my name. XXXX, supposedly, will now close this account as fraudulent, too. 
XXXX will not or can not give me any information about when these accounts were opened. I do know that the email address used to open these accounts is not my actual email address. XXXX does not have record of my actual email address. Since email seems to be XXXX 's preferred ( perhaps only ) method of communication, I never knew about these accounts. 
I have asked XXXX to provide me a written confirmation of the actions they have taken, but their customer service representatives and a supervisor would not give me that information. The company is not taking my concerns seriously and believe that I should take appropriate actions under the law. It is very difficult to contact anyone with authority at XXXX. 
I was told that all a person needs to open a XXXX account is to provide an email address. Since I have a security alert on my credit reports, I know that XXXX does not seem to have tried to determine my credit rating. This is very poor business practice.
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: TD BANK US HOLDING COMPANY (PA)

I purchased a sofa in Massachusetts with the situation of paying the total off by cash by the end of 1 year, and thereby all the interest, etc excused. 
I paid my monthly fees, but then stopped received notices about the payments and lost track of the situation. 

About 1.5 - 2 years after the original purchase, I began receiving emails that looked like scam to me from TD retail card services. As I was worried about scam, I didn't open or respond to these. I have attached these. After multiple monthly notices, I called the # listed on the emails. I ended up speaking with multiple parties until they directed me to a furniture manufacturer somewhere in the XXXX. I didn't know what to make of that, but eventually after a few weeks, realized that it might be the original manufacturer of the sofa. I then recontacted TD retail and told them I would be happy to pay off what I originally owed, but that due to the above circumstances, the fees and interest should be removed. They refused. After continuing to receive these notices I made 2 further calls with the same offer - to pay off my original debt, but to excuse fees and services, and each time received a refusal. Recently, as I was purchasing an apartment in XXXX, I was informed by the mortgage company of my credit score, and they were unable to issue me a mortgage, but said they would if my score improved. I have never had issues with bad credit, am a XXXX, and pay all my bills.
Consumer complaint received 2021-08-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HUNTINGTON NATIONAL BANK, THE (WY)

I purchased my car on XX/XX/2020 from XXXX XXXX XXXX XXXX. I also purchased the extended warranty. I was told when I bought it that I had 60 days to cancel the warranty for a full refund of {$3000.00}. This was also stated in the warranty contract paperwork. I emailed the finance manager about cancelling it on XX/XX/XXXX and was told I needed to do it in person. I went in on XX/XX/XXXX and cancelled my warranty, or so I thought. I was given a piece of paper stating the mileage and that my refund was sent to my lien holder. I was told that monthly payments would stay the same but that my loan term would be shortened. I asked while I was there if there was anything else I needed to do to cancel the warranty and was told no. Fast forward to XXXX, I go to check my loan with the bank and am surprised to learn that no refund for {$3000.00} was ever sent. I immediately emailed the finance manager and called with no response. I emailed about 4 more times and called many more times with no response. I also called The Huntington National Bank multiple times, and was told I needed the check number, amount, and date sent from the dealership. I finally got through on the phone with the accounting department of XXXX XXXX XXXX XXXX and she said, " oh that's weird that he never had the check sent ''. She then told me that the furthest back she could date a check to was XXXX of this year and that it wouldn't be the full {$3000.00} refund but instead about {$2300.00}. I don't think this is fair as it isn't my fault they didn't send the check when they were supposed to. I should be receiving the full refund. She told me it wasn't possible for her to get me the full refund because the system wouldn't let her date the check back far enough. She also told me she would send me an email with the check number of the {$2300.00} but that it would take about 2 weeks. It has been almost 3 weeks now and I still haven't received an email. I understand that people make commissions off of these warranties, but I followed all the written rules to cancel it within the timeframe. It seems like shady business practices, and like they were hoping I wouldn't catch it. I should be refunded the full {$3000.00}.
Consumer complaint received 2021-12-08
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (WV)

Disheartened in Loan Depot. Poor communication and not knowledgeable. 
My husband and I are both retired educators in WV. Recently, we had pursued a mortgage loan with Loan Depot. None of the Loan Depot or Mortgage Connect Title reps knew what was needed, or when they did determine what was needed, could effectively explain in a timely nature what document we needed to file at our Court House pursuant to the closing date. My husband and I worked fervently with XXXX and XXXX at the last minute to have the correction made once it was determined what the Title Company wanted, but filing of this at the court house was six ( 6 ) days past closing date. We asked Loan Depot to extend the closing by one week as the breakdown was their knowledge of the situation at hand and inability to explain what was required. Initially and three months prior to closing, Loan Depot, XXXX precisely, knew nothing of what Mortgage Connect Title needed and most of the time would not return calls stumbling around with information that was of no relevance at all causing more delay. We went straight to Mortgage Connect and their agent was ineffective as well. We finally had an exact answer from XXXX but it was just a few days prior to closing and not enough time to file the document at the Court House. Loan Depot WOULD not extend a one week closing date for us at our request. We are sorely disappointed in how this was delayed simply due to not having the information we needed from them timely enough to move this forward. We are talking three months. Additionally, I forwarded much the same information here to Loan Depot 's CEO, XXXX XXXX just today. Thank you for listening to our concerns.
Consumer complaint received 2020-11-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kirschenbaum & Phillips P.C (NY)

According to original creditors, XXXX XX/XX/XXXX ( XX/XX/XXXX ) XXXX, I held an account ending in XXXX. The amount claimed was {$3000.00}, with XXXX of interest fees from XX/XX/XXXX to XX/XX/XXXX. On or before XXXX, Kirschenbaum alleges that a judgment was rendered in favor of the plaintiff and against XXXX XXXX. My legal name has never been " XXXX, '' and in XXXX, I did not live at XXXX XXXX XXXX XXXX, XXXX XXXX, XX/XX/XXXX,XX/XX/XXXX XXXX. I moved out on XX/XX/XXXX. The judgment was unfair and based on someone using, misusing, and stealing my identity. I have raised the argument with several creditors, and the mental anguish of this ordeal has caused me to return to seek XX/XX/XXXX It has also caused new medical XX/XX/XXXX. A recent XXXX has proven abnormalities in the XXXX. I did not have any affiliations with this creditor or bank. I never used this card, and I was never served with papers. My name is not XXXX, and this was never my birth certificate, social security card, or State ID. There has never been a name change either. My original name has always been the same, and my last name changed due to marriage on XX/XX/XXXX. This has been occurring for years and has impacted me in many ways in my life. I have received several disturbing calls and threats from many debt collecting firms. XXXX XXXX XXXX was a firm that relished in the judgment and stated, " We can harass you for 20 years, and there is nothing you can do about it. '' I refuse to allow this abuse to take place, and the damages are unimaginable. I live battling XXXX and XX/XX/XXXX I am now back to mental health. Thank you, XXXXXX/XX/XXXX and Kirchenbaum & Phillips, PC. If your goal is to harass a XXXX minority under the pretense that she is the holder of the account, then you have accomplished your goal. I will seek legal help if this is not resolved. I am also going to take this to court because it is an unjust judgment and unfair action. I have been called " XX/XX/XXXX, '' " XXXX, '' and other humiliating phrases from debt collectors. To get my information, the debt collectors state, " Enclosed herewith you will find copies of documentation, representing verification of the above-referenced debt ... attached you will find an Affidavit for Fraud for your completion. '' After this ordeal, I am refusing to give them any vital and personal information. I am uncertain of their motives and reason for requesting this information. The debt collector refused to validate the debt and did not send documents with proof of my signature and so forth. They have violated the FDCPA, I have been to mental health from XXXX to XXXX several times.
Consumer complaint received 2022-08-22
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. (NC)

I am a natural person, I am a living human being I have rights under 15 USC 1681.

Equifax is govern by 15 USC and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC : I have the right to privacy and did not give Equifax written permission to furnish these accounts. 

XXXX. XXXX XXXX XXXX creditor : name XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (PA)

XXXX/EOS CCA We returned the XXXX equipment and requested the service on hold. However XXXX claimed that they did not receive the equipment from us and receive the request for " Hold on service ''. 
Now several years later, EOS CCA has been sending a invoice of {$870.00}.
Consumer complaint received 2021-04-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

XX/XX/XXXX of 2021 my wife and I started the refinancing process with Amerisave ( company based off Georgia ), the loan originator very friendly called XXXX XXXX which confirmed the interest rate at 2.65 % and a savings of $ XXXX  monthly on our new payment, we submitted all the necessary docs immediately as we new rates were record low and despite having multiple lenders on the phone that offered same deals we decided to stick with him as he was pretty helpful and convincing. We paid the {$500.00} fees right same day as we started the process, submitted everything asked within 12 hours every time XXXX asked for something and after 2 weeks communication stopped, we were contacted by XXXX XXXX the loan processor with a complete different disclosure that was more than twice the amount of closing costs, I questioned both and again complete silence. 2 weeks later XXXX XXXX the second loan processor reached out with the same scenario, wrong disclosures and again extremely higher closing costs plus now an increase on interest even though XXXX confirmed over and over not to worry about the interest spike if it ever happened as he'd be able to offset it somehow. Again I politely replied to XXXX and XXXX and the same thing happened, silence and no communication for another 2 weeks. I called and left voicemails, sent emails, and the last communication we received via email was about a week ago and again for a third time a new loan processor was CC 'd on the email called XXXX XXXX that had less idea than the previous 2 of what's going on. So far we've lost the opportunity of closing with a real and honest lender which we skipped as we chose Amerisave, the {$500.00} fees, {$600.00} for the savings we could've saved by closing within 30 days with a real and honest company that cares about their clients and the future losses we will continue to have due to their crooked way of operating which is a monthly {$300.00} until the rates hit rock bottom again probably on a next crisis who knows. Stay away from these guys, little I knew that on consumer affairs they have endless 1 star reviews and if you take the time to read them all like I did after the fact unfortunatelly they will all be similar to my experience.
Consumer complaint received 2021-02-18
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: CITIBANK, N.A. (FL)

In reference to my previous complaint # XXXX. Citibank stated in their letter of XX/XX/XXXX that the {$3000.00} credit would become permanent after XX/XX/XXXX. I have contacted the credit card many times in the last week and was unable to have that money credited to my checking account. I was able to get the previous credit that was permanent transferred to my checking account but not the {$3000.00} Thanks again for all your help. It has been over a year! 
Regards, XXXX
Consumer complaint received 2020-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: KEYCORP (NY)

I am a long time customer of Key Bank and have always had my savings linked to my overdraft protection. The manager of the branch kept telling me I needed a card but I never authorized or activated it.

They sent me a card and I still have it never activated as I have {$100000.00} in my savings which has been linked to my account for 25 years.
In XX/XX/XXXX,

the bank without my permission or authority activated the card and disconnected the link between my savings and checking account. I only found out by the at least 5 phone calls a day I receive every day from the banks collection department. The branch manager where this error occurred refuses to address the inappropriate phone calls even though the bank error is under a bank internal investigation. The banks error is causing chaos with my good credit rating and the phone calls are bordering on harassment as no one at bank will take responsibility. I have over {$300000.00} in Key Bank and this was their error. No customer service skills. I am concerned that others have experienced the same problem a
s the issue seems systemic.
Consumer complaint received 2020-10-15
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Conduent Incorporated (GA)

I had some unauthorized transactions on my Acct and I made them aware of that. I called to check on my dispute status and they closed my acct because my voice wasnt deep enough to be a man and I find that highly offensive. I kept being called maam and after correcting them they kept doing that. Then suspended my acct with out even telling me. At this point I just want my remaining funds from the acct. I dont even wish to continue banking with you guys. Ive struggled with being judged all my life and never would have thought I would have to deal with it as an adult. I told the agent that my id was stolen along with my card and I dont have the funds to get another id because my acct with all my money was suspended. Is there anything you can do to help me that would be greatly appreciate