davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-08
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: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/2023, I received a call from XXXX saying that someone had placed three orders on XXXX with a credit card associated with my XXXX account, but with an email address and phone number that did not match my account. I confirmed that I had not made the purchases and they were able to cancel one of the orders before it was processed. I immediately called TD Bank and cancelled my credit card and reported two fraud charges- one for {$1400.00} and another for {$1300.00} ( totaling {$2800.00} ). I did not hear anything else from TD until XX/XX/XXXX when I received a letter ( attached ) saying that my fraud claim was denied because they claim the CVV provided for the purchase was correct ( which is possible to accomplish with identity theft ) and because there was " unclaimed activity after the fraud began ''. I later found out that the charge for {$1300.00} was not included on the initial claim, which I believe was the reason that this fraudulent charge was considered " unclaimed activity. '' In addition, the total amount in the claim was completely incorrect. When I pointed these discrepancies out to TD, I was told that they did not matter because I had a prior relationship with Apple because I purchased something from their website over a year ago. I refiled the claim for the correct amount, but the {$1400.00} portion was immediately denied because it had been part of the initial, improperly filed claim, and the other portion was subsequently denied presumably because TD had already wrongly judged it as " unclaimed '' non-fraudulent activity. I have since also filed a police report ( attached ) for the charges and associated identity theft with the XXXX XXXX Police Department in XXXX, NJ, where the fraudulent orders were placed for pick-up at the Apple store. The police are currently investigating my case. TD has repeatedly told me that they do not believe fraud occurred and they are unwilling to do anything besides refile the claim, which results in an almost immediate denial since some steps of their claim process seem to be automated.
Consumer complaint received 2021-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX ( XXXX ) - Delete this account because the date opened on XX/XX/XXXX is incorrect. XXXX is showing a date of XX/XX/XXXX and you are showing XX/XX/XXXX. 
XXXX XXXX ( XXXX ) - Delete this account because the date opened on XX/XX/XXXX is incorrect. XXXX is showing a date of XX/XX/XXXX and you are showing XX/XX/XXXX. 
XXXX XXXX ( XXXX ) - Delete this account because the date opened on XX/XX/XXXX is incorrect. XXXX is showing a date of XX/XX/XXXX and you are showing XX/XX/XXXX XXXX XXXX ( XXXX ) - Delete this account because the date opened on XX/XX/XXXX is incorrect. XXXX is showing a date of XX/XX/XXXX and you are showing XX/XX/XXXX. 
XXXX XXXX ( XXXX ) - Delete this account because the date opened on XX/XX/XXXX is incorrect. XXXX is showing a date of XX/XX/XXXX and you are showing XX/XX/XXXX.
Consumer complaint received 2021-04-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (VA)

To begin, I have been a customer since XXXX, never any issues! However, an email was sent to me on XX/XX/XXXX regarding my blue bird american express debit card account. 

Below you will find the email notification which states : Hi, During our recent review of your Bluebird Prepaid Debit Account, we identified Account activity that we believe violates the terms of the Bluebird Member Agreement. 

As a result of such activity, and pursuant to Section 22 ( d ) of the Bluebird Member Agreement, your Account and your Account privileges have been permanently suspended. 

If you have any questions or would like to inquire further, you may write to us at the following address : Bluebird Customer Care XXXX. Box XXXX XXXX, GA XXXX Thanks, The Bluebird Team I attempted to call the company but was unable to reach them by phone. All the money I have to pay bills are in this account in which I can no longer login and manage. My bills are due and they have suspended my account. I just read that I am not the only person who are experiencing this issue with them. I need my funds from this account ASAP. Please help in any way you can to recover my funds! 

Thank you for your time!
Consumer complaint received 2020-10-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (IL)

Due to coronavirus, my family has been struggling to pay for our mortgage. We applied for COVID 19 forebearance assistance with lender SN SERVICING CORPORATION. They did not approve us for assistance. This is ridiculous. 

They made us fill out an application and fax documents to prove our hardship. No other lender does this in America. Yes, we were behind in XXXX, but the lack of work due to lockdowns in Illinois, only furthered our ability to pay. 

Instead of helping us, they denied us, and now I am stuck with many, many late charges and unpaid balance.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear XXXX XXXX XXXX XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Consumer complaint received 2021-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (PA)

I am XXXX XXXX and XXXX am submitting this complaint myself and there is no third party involve.I 'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on JEFFERSON CAPITAL SYST. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Elevate Recoveries, LLC (FL)

XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX ELEVATE RECO XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious ELEVATE RECO XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2023-02-11
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: TransferWise Ltd ()

Hi, my name is XXXX XXXX with email XXXX and membership number XXXX. I have a complain on wise transfer Company. I have XXXX $ in my wise account. They Close my account without any reason. I request them to refund with take my my bank details and email me that they will send it in 5 to 10 days but it been month ago I didn't received a single Dollar from them. Then I email them again and again and after a week they said we nend your detail again and I give them after this they said your refund will be sended to your bank in 2 to 3 day I wait for week but not get my money back. I'm a student and that's money is very means to me for education expenses. I request to u thats plz take a quick action on them, so thats they will send my payment back. I'm very thankful to u if u do this for me. XXXX
Consumer complaint received 2023-04-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One repossessed my vehicle XX/XX/XXXX  after I made a payment XXXX, XXXX XXXX. With further examination of my retail installment contract given to me by a dealership they recommended and partner with, XXXX XXXX XXXX XXXX of XXXXXXXX XXXX. My finance charge for the loan was falsified. It was {$11000.00} lower than the actual finance charge I was supposed to get. I did not notice that it was incorrect due to the finance charge being provided inconspicuously on a black and white form. Ive been making payments on a vehicle that is under an invalid unlawful contract for almost 2 years now. Ive had problems with this dealership before, they falsified an extended warranty prior to this incident which added XXXX to the principal agreement in which I had to fight tooth and nail to get reimbursed. Capital One and XXXX XXXX XXXX XXXX  actions are in direct violation of multiple acts including The Truth and Lending Act, The XXXX XXXX XXXX XXXX, The Fair Credit Reporting Act, and The Fair Debt Collection Practice Act. The unlawful and malpractices of both companies violate my rights as a consumer.
Consumer complaint received 2023-02-11
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. (NY)

When I reviewed my credit report again, I discovered that some of the account was still erroneous. The 3 credit bureaus must validate these accounts in order for me to establish a good record. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report 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 2021-03-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC. (CA)

I applied for a mortgage loan refinance with XXXX  and was approved for a jumbo loan. I signed loan documents with a notary on XX/XX/2021 and transferred money to XXXX  via bank wire to complete the loan. The loan was suppose to fund on XX/XX/2021 but it did not. About XX/XX/XXXX, I sent an inquiry to my loan originator and he got back to me and told me XXXX  was sold to Guaranted Rate and all loans ( about XXXX ) that were approved to fund had to be done using Guaranteed Rate documents and that take about 2 weeks to finish. I agreed to continue with the loan as I understood I just had to redo the documents with a notary using Guaranteed docs and they would honor the original mortgage rate with a reduced cost to me for my inconvenience. 

Well it has been 2 months now and the Guaranteed Rate loan originator keeps asking me for updated docs. I have sent them updates documents ( pay stubs, bank records, etc.. ) after each request. Again today, I was asked for updated docs and I am unsure if I am being scammed now because my wife and I are well qualified ( income / savings / debt to income ratio and credit are all easily within funding parameters ) to obtain a loan. 

My question is ; if I was qualified for a loan, signed loan docs with a notary and wired a significant amount of money to complete the loan contract, is there a breach of contract by Guaranteed Rate since they purchased XXXX? 

I also told that the other XXXX applicants who were approved for a loan like me had to go through the same process I am going through, which is not fair to any of us.
Consumer complaint received 2022-07-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (TX)

This is to lodge a complaint about XXXX XXXX XXXX, attempting to bill me for services not received on a day that I was not at or in their hospital by creating a nonexistent account number and attaching it to my name for no services mentioned. XXXX is attempting to extort payment from me for the exact amount previously paid by me for services rendered during my actual stays in hospital. I have the receipt. A call to the debt collection agency resulted in my being told that a different department would call me back. That has not happened. I have submitted a previous complaint about this same company to the FTC, XX/XX/2022, for the same reason. The complaint was also registered with the local police department. 
The name of the debt collection company is Medicredit , Inc. XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX
Consumer complaint received 2023-06-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (TX)

After further research on my mortgage I found out that the company that I signed the promisorry note with XXXX XXXX is a dead company is inactive through the secretary State and XXXX XXXX transfered my loan illigally to US BANK MORTGAGE without my knowledge cause I never contracted with US BANK MORTGAGE.I filed a lawsuit to make the bank provide the original promissory note .They did not .They never provided it 3 days before the case could be defaulted the bank requested a transfer of case by their lawyers .A way to manipulate the system XXXXA way of getting more privilege with the court they are well known. 

US BANK Lawyers has illegally transfered the court case where they can be favored. 

US BANK MORTGAGE buying mortgages and foreclosing on homeowners who are actually the righful owner of their home. 

Homeowners are protected under the consumer law .Its illegal for any Banks to foreclose on anybody 's home.
Consumer complaint received 2021-03-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: PENTAGON FEDERAL CREDIT UNION (TX)

we made a debt consolidation loan with Penfed to pay off XXXX XXXX loans back In XXXX. Our first payment to Penfed was due and so was our XXXX XXXX payment. As of today, the XXXX XXXX loans have not been paid off. Someone is holding onto that money, and collecting interest while we are having to make 2 payments now to avoid any late fees.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the fair credit reporting act. According to 15 usc 1681i ( 5 ) the credit bureaus said everything was complete and accurate and I asked them how if the open date wrong address wrong or was not living in state Then I ask them to provide me a description of the investigation according to 15 usc 1681i ( 7 ) and they never did. I have proof of my letter for that. Also according to 15 usc 1681 s-A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate this is violation after violation this is causing me stress because I have no hope in the system Im struggling with XXXX XXXX children and this is hindering
Consumer complaint received 2021-10-26
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Liberty Home Mortgage Corporation (IL)

I was under a contract to purchase a property located at XXXX XXXX XXXX, XXXX XXXX, IL on XXXX.The lender was Liberty Home Mortgage Corporation in Ohio. Process went well, submitted all the paperwork, paid for FHA APPRAISAL of {$520.00} and Home Inspection of {$350.00}, earnest money to listing agent of {$1000.00}. I spoke to my lender 2 days prior to closing and everything was great. I received a call from the lender the day before closing which I did not have full disclosure the property taxes were {$8500.00} instead of {$3000.00}. So, the deal fell through. I am asking for my XXXX plus XXXX. I am waiting to receive my earnest money ( XXXX ) returned to me. Please advise.
Consumer complaint received 2023-10-12
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (CA)

I submitted a complaint to this debt collector on XX/XX/ and they are ignoring me. I feel taken advantage of. They are clearly disregarding the law by not ceasing and desisting communication as requested.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

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.
Consumer complaint received 2023-01-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX of 2020 I applied for Unemployment but never received my debit card. I kept calling everyday but was not getting through to resolve this problem. I finally get through to them only to fin out that my debit card was activated and used for multiple transactions cleaning out my account. After XXXX unsuccessful tries of getting my debit card sent to my address I changed my address to my grandmothers address and finally got my card. My fraud claim was denied for some odd reason even though this is the first card I've ever received. My wallet was stolen out of my vehicle and that's how I believe my personal info was compromised to even activate the card card. I feel this should be investigated further and funds be reimbursed due to this was not me who activated and use the debit card. Ive reconsidered my fraud claim and also filed police report and now filing with you guys for further help.
Consumer complaint received 2021-03-29
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: Paramount Recovery Systems, L.P. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX PARAMT REC ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2020-10-13
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. (GA)

I mailed in dispute letters to all three credit agencies to investigate and delete incorrect information on my credit reports. There were several accounts that were either incorrect or not mine. The letters were submitted to the credit agencies on XX/XX/2020. It has now been 30 days and I have not been updated with the results of my disputes.