davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lennar Financial Services, LLC (NC)

Applied for new home mortgage in XX/XX/XXXX. Was prequalified by Eagle Home Mortgage for a new construction home with XXXX XXXX. I made two payments of {$4500.00} on XX/XX/XXXX and XX/XX/XXXX. I worked with XXXX XXXX ( Sales Representative ) and XXXX XXXX ( Loan Officer ) during the home buying process. I received a closing date for XX/XX/XXXX. On XX/XX/XXXX, I received an email from XXXX XXXX at Eagle Home Mortgage stating my loan application was submitted to underwriting on XX/XX/XXXX. 
On XX/XX/XXXX, I spoke with XXXX XXXX and was told my loan was not approved. I asked for time to obtain a mortgage with another lender. I never received a denial letter or any correspondence from the underwriter with the reason for the denial. I was given a new closing date of XXXX XXXX. I contacted XXXX XXXX to obtain a refund for my deposit since they will not give me more time to obtain a mortgage with another company. 
I was approved by another lender but they need at least 45 days to complete the loan process. XXXX XXXX refuses to give me more time and said I will not be refunded for my down payment. I need my down payment refunded in order to move forward with a different company. XXXX and Eagle Home Mortgage took my down payment and completed building the home prior to securing my loan. If there were any issues with the loan mortgage then I should have been notified timely in order to resolve the matter. Since XXXX does not want to allow me time to secure the loan I would my money back.
Consumer complaint received 2022-02-10
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: Experian Information Solutions Inc. (MI)

Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/XXXX and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as XXXX. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. I am XXXX XXXX and I am submitting this compliant MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.
Consumer complaint received 2022-02-10
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. (MI)

Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/XXXX and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as XXXX. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. I am XXXX XXXX and I am submitting this compliant MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Tower Loan of Mississippi, Inc. (MS)

on XXXX XXXX, I went into XXXX XXXX XXXX XXXX placed a application for a XXXXXXXX XXXX XXXX through Tower Loan, i was told that the loan would be 180 days, same as cash. The ring did not fit and needed sizing. I was told that it would take a week. on, XX/XX/2022, i received a Call from Tower Loan, the person calling was unaware of payment terms, this made me weary because i didn't want any problems, or any damages to my Credit. I Immediately told her that, if the terms were not as stated, I would like to XXXX XXXX account, because i still did not have ring. She said she would get me the facts and call me back. After several conversations with Tower Loans Staff, I decided that it was in my best interest to Cancel this Loan, Because no one knew the terms of the loan, they were very Rude, demanding, threatening, unprofessional, while using intimidating tactics to force me into this loan, that i did not want, nor had possession of any items. on XXXX, XXXX, XXXX  I spoke to the XXXX XXXX XXXX XXXX, who agreed to void contract, he said if the ring was still at XXXX XXXX XXXX XXXX he would be glad to Void contract, the ring never left XXXX XXXX and is still there. In XXXX I started back getting phone calls from Tower Loan, each time, i would state that they need to talk to the manager, because he told me he would Void contract. Finally, I called and spoke to XXXX XXXX again on XX/XX/XXXX, but this time he had a mean and nasty attitude, and refused to cancel/ void contract as previously stated, so now I need help, because, this company is threatening to damage my credit for a loan, i asked to void before any payments became due, and I never received any merchandise ( the ring )
Consumer complaint received 2022-12-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (NY)

My chase checking account was compromised when I wrote a check out for my homeowner policy ( fire insurance ) for XXXX and was cashed by an individual not associated with the company. My inquiry with Chase started XX/XX/2022. They told me that another bank XXXX XXXX  XXXX XXXX ) accepted the check and was resubmitted to Chase. 
After three months of inquiry I received the same message that Chase fraud department has sent notices to XXXX  XXXX XXXX. Now I am told that it will take five months to resolve. 
I hope that this agency can help me out.
Consumer complaint received 2022-02-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (TX)

I filed the XXXX claim after my car was totaled. Ally says they needed XXXX docs to complete the claim. I have emailed to the XXXX or XXXX  times and they say its still not correct. They are pretty simple docs and the say they can't see the complete pay history that I sent. It's all in a pdf and if you got one you got them all because they all in one doc and very easy to read. I have spoken with them XXXX times abiout it. getting nowhere. I sense this a standard business practice for them
Consumer complaint received 2022-02-10
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credova Holdings Inc (FL)

I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases from XXXX XXXX XXXX contracted by Credova Financial , LLC which was assigned to XXXX XXXX for the total balance of {$2200.00}. This information was obtained from an installment contract received by XXXX XXXX on XX/XX/XXXX from CFPB complaint # XXXX. This debt is not mine. The address listed on the contract XXXX XXXX XXXX PL, XXXX FL XXXX is not my home address. I have lived at the home address at the top of this letter since XXXX ( A copy of electric bill from XXXX is attached ). Furthermore, the contract is electronically signed which does not show my signature or prove that I was the one signing the contract. I have filed an FTC Identity Theft Report for the company that shows this debt on my consumer report XXXX XXXX XXXX. I have also filed a police report with XXXX police department XXXX XX/XX/XXXX. A copy of that filing with case number is attached and once made available you will be sent a copy of the police report. A letter has also been sent to XXXX XXXX XXXX. 
In accordance with the Fair Debt Collection Practices Act, you are required to stop collection proceedings against me and stop communicating with me about this debt. You are to Cease and Desist immediately and dissolve me of this debt that has been fraudulently opened in my name. 
I may also remind you that failure to comply is a direct violation of my rights under the Fairs Credit Act and Fair Debt Collection Practices Act. 
I have enclosed a copy of the Federal Trade Commissions Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including
Consumer complaint received 2019-09-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BB&T CORPORATION (TX)

I called my personal banker and I asked her for 24 months bank statements on 3 accounts because I needed it for court. She said she wasn't in the office and couldn't do it but call the branch and see if they could. I called and XXXX said she would do it for me no problem. I said thank you and she did it. I picked them up and she told me her birthday was coming up. I asked her what she likes and she said scented candles. I came back 2 weeks later and gave her scented candles on her birthday. The next month I was surprised to see a {$170.00} service charge for each account. I also had 2 to 3 overdraft charges of {$36.00} each on each account because the service charges over drafted the accounts. I immediately called my banker XXXX XXXX and I asked what are these service charges. She told me that is what they charged to give me my bank statements. I told her that no one ever said they were going to charge me to provide this service. A charge was never mentioned because if it was, I would have said no! I asked for my money back as well as the fees and they are ignoring my request. I have called, text and emailed and I have been ignored! No response. The whole ordeal has cost me approximately {$580.00}! I want my money back. If you were going to charge me, you are suppose to disclose your charges and fees. No one said anything to me about a fee. They made it look like they were providing service like a bank should. I save you money by doing eStatements. The least you can do is print them if I ask you for them.
Consumer complaint received 2021-03-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants and Medical Credit Corporation, Inc. (UT)

My case worker received the information on this debt. I believe that the original creditor is trying to collect the wrong amount of {$1500.00}. These charges are for damages made after a tennant moved from there residence in XXXX. I was renting that same trailer in XXXX. There trying charge me for damages that aren't mine.
Consumer complaint received 2019-09-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (NJ)

e purchased two pieces of furniture from XXXX XX/XX/2018. We sent the first piece back with no problems, but the second piece we sent back was a month out. We called the company to confirm that someone could pick up the furniture because it was damaged and we didn't want it. They agreed and we paid a XXXX dollar re-stocking fee with them, however, they keep sending us bills for the furniture and we've already paid the re-stocking fee and anything that goes along with it. Now they're saying because of late payments for a couple of months, that we owe them up to {$490.00} for late payments when we don't have the furniture in our home and it was already supposed to be taken care of.
Consumer complaint received 2019-09-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation (TX)

I had a car from XXXX XXXX and I got really sick and couldn't afford the car and I called the company and told them I couldn't make the payments anymore they told me to take the car back to the dealership and drop it off this was 2017 now they are calling me for XXXX dollars
Consumer complaint received 2022-02-10
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: EQUIFAX, INC. (MI)

Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/XXXX and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable. I, XXXX XXXX, Living Person, And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as XXXX. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION. This complaint should not be closed at any time for authorization needed. As this submitted complaint with attached documents will be my written authorization
Consumer complaint received 2021-10-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NY)

RE : XXXX XXXX XXXX, XXXX, MA, XXXX The mortgage is now with Community Loan Servicing LLC, and they are attempting to foreclose. Community Loan servicing sent me a letter on XX/XX/XXXX, reference XXXX, that foreclosure proceedings would be started if XXXX XXXX ( also on the title of my home and responsible for paying the mortgage, on the note ) does not contact them. 
Attorney XXXX XXXX XXXX submitted in writing a document to XXXX Court, signed on XX/XX/XXXX, stating that his client, XXXX XXXX had been paying his mortgage. 
There is no contact from XXXX XXXX or from XXXX XXXX with additional information. 

Furthermore, there have been a number of forced entries in to the home and the XXXX Police have repeatedly refused to file reports. 
This occurred again on XX/XX/XXXX, even after a police officer stated that a window was open at the house during an investigation after an XXXX alarm went off at XXXX XXXX. 
Someone appears to be watching the house. 

Regards, XXXX XXXX XXXX
Consumer complaint received 2022-02-10
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. (IL)

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX 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 I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.
Consumer complaint received 2022-02-10
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)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-07-28
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I made a ticket purchase through XXXX XXXX, a third party airline ticket company. I tried to cancel within 24 hours. I called, emailed and tried to reach them through the 'contact us ' section of their website. I received no response until days later. They refused to refund me the money. I submitted all my documentation to Capital One. They said that I should have cancelled the booking. I told them that I tried to by emailing and calling them but nobody responded. Capital One refused to do anything else, refused to protect my interests and simply reinstated the charge.
Consumer complaint received 2022-02-10
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. (MI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE