davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TD BANK US HOLDING COMPANY (FL)

My husband passed away XXXX XXXX, 2014. 

Since that time, TD Bank has refused to talk to me. My husband 's death constituted a hardship, and I have been unable to work on a loan modification, request Florida 's Hardest Hit Funds, or appeal to any other kind of avenue to prevent a default of the loan. 

Despite not being on the Note, I am an owner of the home and should have been serviced. Up to this day I have not yet been serviced - the loan has been forwarded to a foreclosure department of TD Bank, and that is all they have spoken to me about. 

Per CFPB rules, as a successor in interest, I should have been serviced. There was a negligible default on the property of {$540.00}, which has ballooned into {$6000.00}. It continues to snowball. This is a problem that could have easily been fixed had I only been serviced. 

As a result of the default I can not even refinance. I have equity in the home and am perfectly able of catching up - I would also qualify for the hardest hit program with a simple assumption of the loan.
Consumer complaint received 2015-05-01
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Altisource Portfolio Solutions, S.à r.l. (FL)

Nationwide Credit INC. called to say if i paid of my debt within a certain time frame that XXXX XXXX would reinstate my credit card and that my credit would show an active account. They took my money and my credit report states my XXXX XXXX account was charged off negatively effecting my credit. They lied from the very XXXX time they called and now when i call they cant access my account and the managers are always on break.
Consumer complaint received 2015-05-04
Product: Credit card — 
Issue: Other — 
Company: TD BANK US HOLDING COMPANY (TX)

I received a letter dated XXXX XXXX From Target credit cardServices Via TD.Bank stating that they declined my application dueto me have too many recent inquires and a collection on myaccount from XXXX that I have already token care of and theydeclined my application because also to many recentinquires that when yall were supposed to remove all of thembecause most of them were fraud accounts and I really don'tthink that this is fair I have a lot that I have to go thru whenapply for stuff because of all of this please dosomething about this.
Consumer complaint received 2016-10-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Senex Services Corp. (TN)

Senex services placed an entry on my credit as a collections I have asked them to validate the debt with no success I have contacted oringinal creditor and they stated I have no outstanding balance nor has anything been sent to collections with my name birthday or ssn. I want this entry removed and i want them to follow the laws as far as debt collecting. They have severely impacted my credit on a bogus claim I owe money and if not resolved I will pursue legal options if this is not validated and or this entry is not removed from my credit. I have no statement with Senex Services nothing with there name and address. or phone number i had to get online after my credit alert notified me of a deragatory entry on my credit. I have contacted and visited original creditor and this is not a valid debt1
Consumer complaint received 2023-04-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (IL)

On XX/XX/XXXX of 2023, A company called XXXX took XXXX out of my checking account without my permission. I called Citi Bank and filed a claim, concerning the debit card transaction. The claim was filed and on XX/XX/2023 Citi bank provided me with a temporary credit to my checking account. On XX/XX/XXXX of 2023 XXXX also; gave me a credit to my checking account, but I was not made aware of the credit to my account not by letter nor email. So, I basically received two credits one by the company and another one by the bank. On XX/XX/2023, I checked my checking account to find that it was in the negative XXXX and this is only because there was some existing funds in the checking account at the time. On XXXX XXXX 2023 when I reached out to Citi Bank about the situation I was informed that the temporary credit had been removed from my account because the company had sent them a letter stating that they had issued me a credit as well, but I was not made aware of this. So, I asked the representative when did the merchant send them the letter letting them know that I had received the credit to my account because I believe that when Citi bank received the letter instead of them acting right away to remove the extra credit Citi Bank allowed it to sit in my account! Now here it is XX/XX/2023 and they want to take the temporary credit back which now leaves my checking account with a negative balance of XXXX. I get Social Security and Social Security XXXX  in the account, so I can not afford to be hit with a negative XXXX balance towards my account! I believe that Citi Bank did not act in a timely manner concerning the credit that was received by the merchant because if they had, then they would have been able to retrieve their temporary credit with out me ending up with a negative account balance!
Consumer complaint received 2016-02-06
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: TMX Finance LLC (FL)

I took out a title loan with Titlemax. they told me there interest was 8 %. I all I wanted was {$2500.00}. By the time they got through with me I walkout with {$5100.00}. I gave them back {$2400.00}. My math and there math do n't add up. I will be paying back right at {$10.00} only pennies goes to the principal. I all attach a summery of my payment. This is raping me. I am a XXXX income family. I can not continue to just give money to this company. I have paid them a little over {$7000.00}. It does not have a end. They want me to drive 2 hour to make a payment at times and almost refuse to take a payment over the phone. In those situation they make me make a double payment. That does not seem right. Can you help me. I am XXXX years old and work for a living but I also have medical issue that need to be taken care of. It is almost impossible to do with this issue hang over me.
Consumer complaint received 2015-11-22
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (NY)

On XXXX/XXXX/15, I contacted Chase claims department, and spoke to XXXX XXXX. I explained to XXXX XXXX about an unauthorized charge on my chase account in the amount of {$99.00}. XXXX XXXX requested my name and account number. XXXX XXXX then asked me about the company I am making a complaint on. XXXX XXXX looked up the charge and stated that I made an agreement with a subscription company. I informed XXXX XXXX that I never made an agreement for any services rendered to me nor singed anything with the merchant. I then informed XXXX XXXX that the company, XXXX offered me a 50 % refund instead of the full refund and I refused. XXXX XXXX then expressed to me, that he can not help me to dispute this claim, since I refused the merchant 's refund offer. XXXX XXXX aggressively and sarcastically insisted, I call the merchant to speak to the supervisor to request a refund. I did and they refused. XXXX XXXX then informed me that he is done with me. I am very disappointed and upset how XXXX XXXX did not solve my issue with the merchant being on their side and not mine. XXXX XXXX also never spoke about a couple options to satisfy my anxiety, of the unknown charge on my account. XXXX XXXX just talked over me, not giving me a chance to explain my part on the unauthroized charge.
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I currently have a XXXX XXXX credit card with a {$700.00} limit. This is one of my oldest cards and I have NEVER been late. The account is very much still open and being used. It has been removed from all 3 of my credit reports. I've called XXXX XXXX and all 3 bureaus and both keep passing the issue back and forth. This has caused a decrease in my credit scores and I am in the process of purchasing a home. I can't have these types of errors right now. PLEASE HELP! SOMEBODY, ANYBODY!
Consumer complaint received 2016-09-02
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX, 2016, I deposited a check via in the amount of {$1200.00}. While I was in XXXX, a person by the name of XXXX XXXX stole my check and deposited it into their account on XXXX XXXX, 2016. 

Chase Bank then withdrew {$1200.00} from my account as a memo debit and I inquired about having my funds returned. I asked to speak with fraud and to file a claim but they told me that they were not able to file a claim at all since the thief has the physical check. The check was issued to my name, " XXXX XXXX XXXX '' but Chase was unable to help with my issue. I filed a notarized document with the issuer of the check and have yet not received any feedback if my funds will be returned or not.
Consumer complaint received 2015-04-30
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: EVERBANK, NATIONAL ASSOCIATION (NJ)

To whom it may concern : I have lived in New Jersey since XX/XX/XXXX, and I bought my home in XXXX in XX/XX/XXXX. I 've had so many wonderful times living here and I expect to create many more memories in the future -- -I love living here and have had no intentions to leave. Unfortunately, my mortgage lender ( Everhome ) does n't seem to have the same intentions as I do. Due to a few of hardships and Everhome 's lack of cooperation, I am now facing foreclosure on my property. 
My problems began oddly enough with the hardship of my rental property tenant. His lost job forced him to default on his rent payment. I tried to work with him to help get him back on his feet ( hoping this would be a short-term issue ), but unfortunately he was unable to get back to a point where I could collect rent from him. This put a heavy burden on me, and when he left I was now facing roof and other home repairs ( more of a financial burden ). If that was n't enough, I also needed to help my sister financially through a difficult time. I struggled to keep the mortgage current, but I eventually fell behind in XX/XX/XXXX. 
Once I fell behind, I reached out to Everhome to see if we could do something to solve this problem. I applied for a modification, but I was constantly chasing my tail trying to get documents submitted to them. The process took so long, and then they went ahead and denied my application. They claimed that I made too much money!!!! I guess I needed to be worse off to qualify? My hardships were real, and I ca n't just fork over the arrears to reinstate the loan after they delayed the modification process for so long and kept tacking on all of their ridiculous fees. Plus, they would n't accept any payments from me during this process to keep the arrears in check. I do well as a sourcing manager, but that should be a positive when evaluating for a modification, not a negative, since I 'm showing a strong ability now to avoid this happening again. 

Everhome is always sending correspondence offering help with this situation, yet they are not actually making much of an effort to solve this issue. There has to be another answer other than foreclosure. Everhome puts so much effort and manpower into harassing me with collection calls, yet no effort to find a solution for someone anxious to do business with them and according to their own analysis someone who is more than capable of making a mortgage payment. I 'm not looking for any handouts, just some common sense to solve a problem. I am ready to move forward and make good on this mortgage, I just need a little cooperation from them. I would be grateful for any assistance towards that end. Thank you for your time.
Consumer complaint received 2023-09-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (NJ)

I received an email alert today XX/XX/XXXXfrom XXXX. After checking what the alert was in reference to I noticed it was for my account being flagged for collections in the amount of {$1200.00} from a collection agency named Enhanced Recovery Co L. I immediately called XXXX to report this debt collection, because it is not me or my debt. The woman I spoke with told me this debt collector is trying to recover a debt for XXXX XXXX XXXX. Ive NEVER had XXXX XXXX XXXX. this is 100 % not my debt. At the instruction of the person I spoke with at XXXX 's fraud dept, I contacted Enhanced Recovery Co L to report to them this is not me or my debt. They then told me the name they had on file was my maiden name from XXXX years ago, and gave me the phone number and email address they had on file, along with a name ( not mine ). They gave me instructions for reporting this debt collection as fraudulent. 
The information they gave me was as follows : the debt collector : Enhanced Recovery Co The company of the original debt : XXXX XXXX XXXX The date the account was opened/closed XXXX The amount of the debt : {$1200.00} They also provided a phone number and email address they had on file.
Consumer complaint received 2023-07-28
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$510.00} XXXX XXXX Balance : {$620.00} XXXX XXXX Balance : {$210.00}
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

I write to XXXX, Equifax and XXXX to again DISPUTE my XXXX XXXX Bank ( Synchrony ) accounts AND request that you include the below CONSUMER STATEMENT for Each of the XXXX Synchrony accounts which means there must be XXXX account specific consumer statements for each of my XXXX XXXX accounts incorporated with data for each of the XXXX accounts. I have filed numerous disputes for over 9 months with every CRA and directly with XXXX disputing each of the XXXX accounts. However, every time the required DISPUTE status is entered in my credit reports, XXXX deleted them and every CRA willfully violated its Facially False Data prohibitions of the CFPB. Such violations are deemed willful by the CFPB and carry statutory damages of {$1000.00} per violation per account per event plus XXXX times punitive damages ( see XXXX, XXXX XXXX XXXX ) making damages of multi XXXX dollars per account. In XX/XX/2023, I filed multiple consumer demands with the American Arbitration Association ( AAA ) claiming entitlement to over {>= $1,000,000} in statutory and punitive damages per account pursuant to Synchronys arbitration agreement. I have attached multiple letters from AAA to evidence arbitration cases along with pages XXXX, XXXX and XXXX of each claim regarding federal jurisdiction about liability if matters were filed in a U.S. District Court. XXXX has retained counsel and the multiple AAA cases are awaiting fee payments to AAA by XXXX plus its Answers due shortly. I have not filed any federal court case against any CRA yet in hope of obtaining FCRA compliance, especially account deletions. I owe XXXX {$0.00} and it owes me millions but my credit reports are inaccurate. Liability continues to increase for XXXX and every CRA by failing to report accounts as disputed and failing to report the date of account closure by consumer. Please investigate and update your reports and delete accounts to mitigate damages. I will surely Subpoena CRA records so I expect that the investigation process will be thorough and complete. I ask that you include the following account specific consumer statement for each of the XXXX accounts. -CONSUMER STATEMENT For each of my XXXX XXXX  XXXX accounts, Synchrony is liable to me for statutory and punitive damages for every account for repeated WILLFUL FCRA violations exceeding {>= $1,000,000}. In XX/XX/2023, I filed multiple XXXX page Consumer Demands with the American Arbitration Association ( AAA ) detailing specific calculations of its multi-million dollar liability for each account. AAA cases are pending awaiting payment of billed AAA fees and Answers in each case by the AAAs deadlines. I insist on 100 % compliance with the FCRA, FDCPA and other statutes and I will continue to file Arbitration cases with the AAA or JAMS against violators pursuant to arbitration agreements or otherwise in Federal Court if no arbitration provisions exist.
Consumer complaint received 2023-10-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (OH)

I am still in school, and I have submitted multiple deferment requests to my new loan servicer, Nelnet. I've also emailed Nelnet about my deferment request on more than one occasion, and have also faxed them the same information. However, Nelnet has not responded in any way, and now Nelnet is likely going to show that I am delinquent on my student loans, which will negatively impact my credit. When I called Nelnet today to inquire as to the status of this request, the automated system said there were no pending deferment requests on my account, and even after waiting over an hour and twenty minutes to speak to someone, I was never able to talk to a human at Nelnet.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2020-06-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In the month of XXXX I made a deposit of XXXX XXXX dollars in cash at the ATM of the Bank of America bank branch at XXXX XXXX XXXX, XXXX fl XXXX. The ATM gave an error and recognized only {$300.00} of the XXXX deposited. A claim for the deposit difference, to which Bank of America replied that that deposit and all the funds in my account were frozen until the investigation of the deposit in question was completed, and that my checking account would be permanently closed, that the funds in my account would be sent to me in a check later. 
On XX/XX/XXXX, I received a letter from this institution, informing me that the XXXX dollars difference that were under investigation had been issued to my account as a temporary credit while the investigation was being carried out. On XX/XX/XXXX, I received a new letter from Bank of America where they told me, and I quote verbatim We wrote you about your claim. What you need to know During our investigation, we determined that the amount in dispute should have been {$1000.00}. The adjustment will appear on your statement, or you can visit bankofamerica.com to review the adjustment online. The total amount of {$1000.00} is now permanent and we consider that your claim is closed. On XX/XX/XXXX I received a new letter where Bank of America informed me that the funds deposited on a temporary basis were once permanently available since the claim was resolved. Finally, on XX/XX/XXXX, I received a last letter informing me that my account was permanently closed. After this, they also closed my access to my business account, which also frozen the funds, alleging that Bank of America did not want me as a client and that the funds in my business account would also be sent to me by check before the XXXX of XXXX. Today we are 9 days from XXXX and my funds are still frozen and the check has not arrived. I request to the XXXX XXXX agency a bank report and in this report Bank of America declares to have closed my accounts for checking account fraud, which is totally contradictory with the result of the investigation product of this I have a restriction that does not allow me to open accounts with any banking institution. I have contacted several departments of Bank of America and all the answers are ambiguous, they have only transferred me for weeks from one department to another.
Consumer complaint received 2024-09-19
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: Experian Information Solutions Inc. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused XXXX  XXXX  for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.