davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-23
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

for years i have been battling XXXX and federal student aid about a loan discharge that i am well qualified for in more ways than one. 
on XX/XX/2023 i received a letter from fed student aid stating that the discharge had gone through and it would be removed from my credit within 90 days. i called them, and some rude lady told me i had to call XXXX so i did. i also sent them a copy of my approval letter. 
on XX/XX/2023 XXXX sent me a letter that it would be resolved within 90 days, that time expired on XX/XX/2023 on XX/XX/2023 i submitted a complaint with CFPB on XX/XX/2023 they responded with a claim that they are waiting for approval from fed student aid. i already sent that approval in XXXX 
ive attached all the letters... time is up, fix this issue.
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (SC)

I ordered my credit report through annual credit report back in XX/XX/XXXX but it hasn't arrived, i used them back in XXXX of XXXX and it showed up in the mail so i dont know if they changed something since then or if something else went wrong. Im sending this to you here because XXXX XXXX XXXX doesn't have a phone number of email i can contact and you have 100 different departments that i don't want to have to go through over the phone, its easier for me to ask on here. Can i receive my credit report?
Consumer complaint received 2020-02-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (CA)

There was a problem with the closing on our refinance mortgage from Quicken Loans. We were set to close in XXXX -- we received the closing documents from Quicken Loans -- and we had the closing documents notarized on the appointed day by the notary and they were given to the title company. 

After that, we waited about 3 weeks but the lender did not reply to us. Finally I got some kind of e-mail from the title company saying the loan had been rescinded and I contacted the lender, Quicken Loans to find out what was going on.. 

Initially it was very hard to get anyone to help us and explain why this happened and how to fix the situation since each department is very specialized and each department in turn told us they didn't deal with a loan that had been interrupted or rejected. 

Finally the post closing department at Quicken Loans told us by phone and e-mail that our loan had been stopped because the paperwork ( which was done by Quicken Loans itself and which they gave to us to sign by the notary during the closing ) was done incorrectly -- that is to say the figures were calculated incorrectly. In addition, we saw the dates were wrong. 

They said that the whole loan would have to be re-done and it had been sent back to the underwriters. They didn't know how long it would take and there was no way for us to communicate with the underwriters because they don't have any contact with the public. 

So, we waited a month or so, and then Quicken Loans finally got back to us in XXXX and said the loan was now re-written and could go forward but that we needed to have a new appraisal for the house and a new notarization. 

However, this time the appraisal didn't go through. The problem was that we were converting our garage to an XXXX and the construction was in progress. The appraiser said that we needed to have an open garage space to pass the inspection, so we tore down whatever walls we had built internally in order to satisfy the appraiser. She came again and said that we needed to show that a car could drive into the space, so we tore down the wall over the garage door and took off the garage doors. Next she came and told us that the yet to be installed electrical wires that were hanging down from the ceiling for the construction needed to be removed because they were considered a safety hazard. We also had those removed. 

At this point we are awaiting another visit from the appraiser. We hope it will pass this time. 

Thank you
Consumer complaint received 2019-05-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

used ATM in XXXX ms tried to withdraw {$400.00} ATM said out of service after it accepted my ATM card, i never received the money but yet after 2 tries with TD Bank they said i received it also they are charging me {$35.00} penalty. i asked to see they Video of transaction and they are refusing. ( i was told to call local police and file a report, i did call and the police told me thats its my fight with the bank and not theirs ) i feel i have the right to defend myself but they are saying i have none. this happened on XX/XX/19 at XXXX XXXX XXXX XXXX XXXX MS ATM # XXXX.
Consumer complaint received 2023-07-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (LA)

Dear Sir/Madam, I am writing to provide an explanation regarding the late payments on my Alley Bank account , which have resulted in a negative impact on my credit report. I believe it is essential that you understand the circumstances surrounding these late payments and the hardship I have faced during the COVID-19 pandemic.

Like millions of other hardworking Americans, I have experienced significant financial difficulties due to the unprecedented challenges posed by the pandemic. In an effort to mitigate the impact on my financial well-being, I reached out to Alley Bank XXXX XXXX, XXXX to apply for hardship assistance regarding my XXXX Suburban loan. 

Unfortunately, despite my sincere efforts to proactively address my financial situation, I was denied assistance by Alley Bank. This decsion has been to their advanmtage as I have been XXXX XXXX late fees to this date, taking advantage of my crisis. Their response was that my account was too new, which prevented me from receiving any form of relief. Consequently, I have been unable to catch up on my payments and have fallen behind since then. Despite my continued payments, I find myself still behind on my credit report, which is causing significant distress. 

I strongly believe that this situation is unfair and inconsistent with the assistance provided to Americans during the national crisis. Numerous individuals across the country were able to receive financial support to help them navigate these challenging times, yet I was denied any form of assistance from Alley Bank. This has resulted in the accumulation of late payments and subsequent damage to my credit profile.

I kindly request Consumer Financial Protection Bureau to consider the unique circumstances surrounding my situation and take them into account when evaluating my invisitigation. This will helop other America being taken advantage of.

I have always strived to honor my financial obligations, and the unfortunate circumstances during the pandemic should not be held against me in the long term. I am committed to restoring my auto loan and ensuring that my financial responsibilities are met.

I would greatly appreciate your assistance in investigating this matter and making the necessary adjustments to my credit report/loan. Please let me know if any additional information or documentation is required to support my case. I have attached relevant documents, such as my correspondence with Alley Bank, for your reference.

Thank you for your time and attention to this matter. I look forward to a prompt resolution and the restoration of my credit standing. Should you require any further information, please do not hesitate to contact me at XXXX or XXXX Sincerely, XXXX XXXX XXXX, 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
Consumer complaint received 2020-02-05
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. (FL)

please remove accounts which are not belong to me or any transactions made by me. 
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Consumer complaint received 2019-05-21
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: EQUIFAX, INC. (NV)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account XXXX ( ORIGINAL CREDITOR : XXXX )
Consumer complaint received 2020-02-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kelsting Group, Inc. (CA)

Sent Cease & Desist letter to company in XXXX including a dispute. I have also disputed this via XXXX  early XX/XX/2020. This was covered by XXXX XXXX and I was never billed for this amount by XXXX XXXX. Now I have a derogatory mark on my credit.
Consumer complaint received 2023-07-23
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. (IL)

Re : XXXX Requesting Reinvestigation of Consumer transaction 15 U.S. Code 1681i - Procedure in case of disputed accuracy REINVESTIGATION OF DISPUTED INFORMATION 1. REINVESTIGATION REQUIRED 2. You claimed the information was verified, ( did you solely use the information provided by the furnisher without ever consulting me? ) a. The furnisher does not have any verifiable proof, that they obtained permission either verbal or written, to report these items on my consumer report ( 15 usc 1681 ( 4 ) )? 
Where is the evidence? 
Please provide evidence of your reasonable procedure, process or method used? 
Whom did you communicate with? 
How did you communicate with them? 
When did this communication happen? 
How did you come to such determination? 
What information did you use? 
How was the information that I provided used in your investigation? 
( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 1 ) REINVESTIGATION REQUIRED ( B ) Extension of period to reinvestigate 15 days ( C ) Limitations on extension of period to reinvestigate ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( C ) Contents of notice ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information ( C ) Procedures to prevent reappearance You and the furnisher have a beneficial relationship, they pay you for business transactions ABOUT ME, THAT DOES NOT INCLUDE ME, ( THATS FRAUD, IDENTITY THIEF and MISREPRESENTATION ). This is causing me harm and is hurting me. This is a direct violation of the law. How can you use my data, social card, information without my consent with NO benefit to me? 
5 ( i ) promptly delete those items of information from my consumer file, or modify the items of information as appropriate based on the true results.
Consumer complaint received 2023-07-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2020-02-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (IL)

On XX/XX/2020, I wrote a letter to Ability Recovery Services asking them to validate the debt they say that I owe. I sent a certified letter to them and it was received and left with an individual on XX/XX/2020 per the USPS tracking. They responded and sent back verification which is not what I requested. Per the FCRA, I have a right to request VALIDATION, which is documents that bear my signature binding me to the debt they say I owe. They never sent anything bearing my signature. Per FCRA, they must do this within 30 days or the item must be completely removed from all reporting bureaus. 

Please see my attached letter asking them to VALIDATE not VERIFY. Again, validation bearing my signature was never received. I have a right to have this negative item deleted from all my reports and I am requesting that this be removed ASAP as the law allows 30 days for removal. 

In addition, if you are a collection agency, you have to be licensed in the state where the debt incurred to even be able to collect funds from someone. Per XXXX, Ability Recovery Services , LLC is not licensed in the state of IL to collect on debts. 

These are two ( 2 ) reasons that I am asking this debt ( and anything associated with this company ) to be completely removed from all credit reporting agencies asap. 

Failure to do so will result in me exercising my legal right to pursue action against them.
Consumer complaint received 2020-02-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

WE GOT A DELINQUENT TAX NOTICE I CALLED AND WAS TOLD IT WOULD BE PAIED THAT DAY XX/XX/2020. I CALLED THE TAX OFFICE IT HASNT BEEN PAIED I FILED A XXXX   COMPLANT I GOT A CLL FROM XXXX AT PINNY MAC SHE SAID SHE WOULD LOOK IN TO IT I CALLED TAX OFFICE AGAIN NO PAYMENT SO I WAITED TILL TODAY CALLED PINNY MAC TALKED WITH XXXX got no answers she transferred me to XXXX she had no answers told me again she would look into it pinny mac is going to wait till we loos our home we pay escrow we can not come up with a extra XXXX dollars when they are supose to pay it
Consumer complaint received 2023-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CLGF Holdco 1, LLC (GA)

On XX/XX/XXXX, FS Genesis Card Services issued a system generated replacement credit card ending in XXXX. When I XXXX XXXX called in to speak with an agent, I was told that t6he system generated the card on XX/XX/XXXX. On XX/XX/XXXX, I called back after speaking with the post office being told that the piece of mail had not been received by the USPS. I was then told by FS Genesis that I would have to wait 2 more weeks and being frustrated with me the agent hung up on me. I called back and XXXX, another agent told me that the first card was never sent due to a system error. He told me that a new card had been reissued on XX/XX/XXXX. He proceeded to tell me that as it is only 5 days from that date, that I would have to wait a full 7 to 14 days to receive the card. The issue that I was told that prevented the card from being shipped after the final call on the XXXX of XXXX was that FS genesis card services was short on card plastic. Prior to this, all agents were telling me that the cards were in the mail already and that I would have to continue to wait for the card.
Consumer complaint received 2023-07-23
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Fidelity Properties Inc. (OH)

My complaint is against Fidelity Properties. They placed a Derogatory Comment on my Credit Report. They stated that they have been trying to collect/contact me about a bill with XXXX XXXX XXXX XX/XX/XXXX. 

I have never received any communication ( written or oral ) from Fidelity Properties about this matter. I have Informed Delivery from the USPS and have never received any communication from Fidelity via the USPS. 

I wrote to Fidelity on XXXX XX/XX/XXXX inquiring about the bill that they mention on my Credit Report ( Account # : XXXX in the amount of {$2700.00} ). They responded about another Account # and bill amount. Not the one that's on my Credit Report. 

I asked them to show me proof of the bills that they supposedly sent to me. They failed to show such proof. 

In additional info on this XXXX XXXX. I have never received a bill from XXXX XXXX. 
I have been trying to get them to send me one since XX/XX/XXXX. 

I have sent them countless emails, called them and even wrote them. XXXX failed to send me a bill. 
I even worked with the XXXX XXXX XXXX for 2 months to try to get XXXX to send me a bill. All they did was send the XXXX and I in circles. The XXXX closed the account due to XXXX 's negligence to resolve the matter. 

I do have two written documentations ( I can send these to you upon request ) from XXXX admitting to me that they sent my bills to an incorrect address. 

Due to XXXX 's negligence, I was placed in Collections falsely. 

I am more than willing to work with Fidelity to resolve this matter.
Consumer complaint received 2019-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX
Consumer complaint received 2019-09-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (FL)

I filed a complaint on this issue with consumer finance 2 months ago and was told that a debt collector would transfer a debt to the previous creditor becauae they refused to help me. I did not receive any verification of that transfer of that credit as I had requested. 
It is regarding XXXX XXXX XXXX of XXXX. I disputed this and have been waiting for them to contact via mail with conformation. I did not receive that. This should never have been sent to another creditor. The total is for {$760.00}. Account # XXXX
Consumer complaint received 2023-07-23
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: JPMORGAN CHASE & CO. (AZ)

I purchased a XXXX XXXX bag ( XXXX ) from XXXX XXXX with my chase credit card for {$1000.00}, on XX/XX/2023 and received on XX/XX/2023, but later found out the bag is counterfeit ( verified by Real Authentication ). Because the merchant refused to refund me and accept the return, I filed a dispute with chase, and submitted all the evidence they required, I am honest and is sure my evidence is sufficient, but they keep denying my dispute. They denied my dispute again on XX/XX/XXXX, stating no billing error found. I have asked Chase to reopen the case. 

I think it is so unacceptable, the credit card is meant for protection the consumer not the fraudulent merchant.
Consumer complaint received 2023-07-23
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. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.