davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-25
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5700.00}, {$5100.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account.
Consumer complaint received 2020-09-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (WI)

XXXX XXXX provided by TD Card services website is more difficult than an average website to make a payment. Due to the confusing set up of the website and several links I had navigate through I missed a payment when I thought I had submitted the payment. This issue caused the servicer TD Card Services to report to the credit agencies that I was 30 days late on a payment that was around {$30.00} or so. My credit limit, without notice, was then reduced from more than {$1500.00} to less than {$500.00} placing my credit utilization to over 90 %. Because of this my credit has been severely negatively affected. I called in, waited on hold for nearly 45mins and paid off the remainder of the balance once I found out and contacted the company to resolve the issue. I was then redirected to the website to fill out a form but because of the confusing layout of the website I have been unable to locate said form.
Consumer complaint received 2020-10-25
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: SYNCHRONY FINANCIAL (NY)

Im a victim of identity fraud. On XX/XX/2020 someone fraudulently used my personal information and tried to attain a credit account with synchrony bank paypal. I received notifications from several different credit monitoring companies ( XXXX XXXX, XXXX XXXX  and XXXX  ) that theres a new credit inquiry on my account. I did not authorize or tried to open that account. I called synchrony bank paypal right away and notified them that I did not authorize that and that they investigate and close that account. I was told that within 30 days I will receive letter from them with the conclusion of their investigation. I called and mailed a letter to all of the credit bureaus ( XXXX, XXXX  and XXXX ) explains that hard inquiry was fraudulent but I was told that I have contact the creditor because the credit bureaus cant do anything. I waited over two months and never received anything from synchrony bank paypal. I called back on XX/XX/2020 asked what happen to the investigation as the hard inquiry still shows up on my credit report. I was told that they dont have any information and to call back in few weeks. I called back a month later and was transferred to 5 different agents but they couldnt give me a response to whats going on with the investigation. I waiting months after months and called again on XXXX then finally a fraud department agent stated that they concluded the investigation and found that indeed the hard inquiry was fraudulent and that they will send a letter to the credit bureaus and myself stating that they will request the hard inquiry to be removed and any accounts associated with that. On XX/XX/2020 I received a letter stating the investigation was resolved in my favor and they asked the credit bureaus to remove the account and anything associated with it. I waited an month to see if the hard inquiry was removed but it was still there. I called XXXX  to find out why they didnt remove the hard inquiry and I was told that they received a letter from synchrony bank paypal to remove the account because it was fraudulent but didnt say anything about removing the hard inquiry. Im just confused if the creditor stated to remove the account because it was fraudulent then that should be enough to remove the hard inquiry as well. I was told to call synchrony bank paypal and asked them to sent the credit bureau a deleted letter for the hard inquiry. I called synchrony bank paypal again and told them that XXXX  wants a deletion letter for the hard inquiry and I asked to receive a copy as well. Its about to be XXXX and that fraudulent hard inquiry is still on my credit report and XXXX  nor I received the deletion letter from synchrony bank paypal to remove the hard inquiry. Please help me remove this fraudulent hard inquiry on my credit report.
Consumer complaint received 2020-10-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (CA)

XXXX XXXX XXXX Loan Number XXXX was paid off on XX/XX/20 and then was transferred to newrez Loan XXXX for servicing, and then newrez ( who does not have my auth to auto debit from my account ) processed a debit {$580.00} to pay on a loan that has already been paid off. I contacted them and was basically laughed at and made to feel like I was at fault. This is criminal and NewRez gave me the runaround and told me it was legal and that they would continue to debit my account. even though I have proof the house was sold and loan was paid in full.
Consumer complaint received 2021-03-18
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: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2020-10-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (IL)

Reference : ARS ( ACCOUNT RESOLUTION SERVICE ) - {$470.00} On XX/XX/XXXX, I applied for an apartment and was told I had negative collections on my credit files. I was not aware of any collections and contact the credit bureaus XXXX, XXXX  and XXXX  and advised that the account do not belong to me, nor had I ever been notified about any past due account with this company. All three bureaus came back with the account had been verified. I was never contacted by any one nor can they validate that the accounts belong to me. 
I am waiting for some kind of documentation from the creditor or collection agency, so that I can dispute the debt, but as of today XX/XX/XXXX, have not been contacted in writing and it has been thirty ( 30 ) days, since I disputed the entries on my credit files. 

Thank you XXXX XXXX
Consumer complaint received 2020-10-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: KEYCORP (NY)

on XXXX XXXX a withdrawal of XXXX was taken out plus XXXX fee charge the next day XXXX, XX/XX/XXXXa withdrawal of XXXX was taken out my account twice the same day i called keybank and file a complaint and they said i would recieve a letter in mail and the denied me of refunding my money cuz they saying i was taking this money the last transaction i took out of my account was XXXX XXXX of XXXX and i have that recipt
Consumer complaint received 2020-10-25
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. (MD)

I sent TranUnion my FTC Identity Theft report showing that inquiries that were placed on my credit file was not authorized by me. TransUnion removed most but failed to remove the following : XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX. XX/XX/XXXX & XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. I sent in report, spoke to a representative via Phone Call to TransUnion who was unable to help me remove these item off of my credit report, even though I sent via certified mail all supporting documents needed. 

Also I'am requesting the removal of the following Collection off of my credit file due to Identity Theft : XXXX XXXX  {$920.00} -- I have sent in supporting documents to show errors and nothing has been removed or deleted, It comes back verified. I'm asking for a signed copy with my signature stating I have a contract with this company. TransUnion on many occassion have failed to provide me with proof other then E-Oscar that they have a signed original signature contract with this 3rd party collection company. 
XXXX XXXX {$910.00} -- -I have sent in supporting documents to show errors and nothing has been removed or deleted, It comes back verified. I'm asking for a signed copy with my signature stating I have a contract with this company. TransUnion on many occassion have failed to provide me with proof other then E-Oscar that they have a signed original signature contract with this 3rd party collection company. 
XXXX {$200.00} -- -I have sent in supporting documents to show errors and nothing has been removed or deleted, It comes back verified. I'm asking for a signed copy with my signature stating I have a contract with this company. TransUnion on many occassion have failed to provide me with proof other then E-Oscar that they have a signed original signature contract with this 3rd party collection company
Consumer complaint received 2020-10-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WINNPOINTE CORPORATION (CA)

I got a refi from Interactive Mortgage, signed closing docs on XX/XX/2020, supposed to fully fund on XX/XX/2020. Come Thursday XX/XX/XXXX, I emailed Interactive Mortgage, and XXXX XXXX who is the loan processor said there is an issue with my middle name and title. I emailed the loan agent who put it together, her name is XXXX, she was out of town till XX/XX/XXXX. Mind you I had asked them should I pay my mortgage since I don't want to be late on my current mortgage. No one reached out to me to let me know I should make my current mortgage payment. 
Emailed again to ask what is going, then got a call from XXXX stating due to some errors " human error '' her and the lock desk got my rate incorrect it should be 2.75 versus 2.625 which I signed and locked and to be funded on XX/XX/2020. So they won't close my deal because of their mistake! I signed and locked at 2.625, instead of eating their mistake they are stalling my loan and using a bait and switch tactic. It's XX/XX/XXXX, I was suppose to hear from the owner of interactive mortgage on XX/XX/XXXX, no one has called. My loan has stalled, who can help me and provide me any advice?
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

T

HESE COLLECTION RECOVERY COMPANIES ARE DISGUISING THEIR NAMES UNDER DIFFERENT NAMES TO CONTINUE TO POST COLLECTION AMOUNTS THAT WERE DELETED FROM MY CREDIT REPORT 7 YEARS AGO IN VIOLATION OF THE FAIR CREDIT REPORTING POLICIES. THESE DEBTS ARE FRAUDULENT AND WERE REMOVED FROM MY CREDIT REPORT FOR THAT PURPOSE, HOWEVER THESE AGGRESSIVE DEBT COLLECTORS CONTINUE TO HARASS ME ON A CONTINUAL BASIS. i AM NOW PREPARED TO FILE A LAWSUIT IN THIS MATTER, FOR HARASSMENT IF THIS CONTINUES.
THIS DEBT ATTACHED ID FRAUDULENT AND NEEDS TO BE REMOVED IMMEDIATELY.
Consumer complaint received 2020-10-20
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. (NY)

This is now the THIRD complaint I have lodged against Experian with the CFPB for not responding to my dispute within 30 days. I mailed them a dispute on XX/XX/2020. When I didn't get a response I mailed them a demand to comply letter on XX/XX/2020. It is now XX/XX/XXXX, and I have yet to receive a response to my dispute. I have also reached out to my attorney today because they are refusing to remove the incorrect information or even respond to my dispute.
Consumer complaint received 2020-10-25
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP (PA)

I have a ReliaCard, my card has been locked for a month now. I cant pay any bills because my card is locked, I am having a rough time. Please help ... its been locked since XXXX.
Consumer complaint received 2020-10-25
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$6500.00} -This is not my account.
Consumer complaint received 2020-10-21
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Insight One Solutions, LLC (MA)

in XXXX I refinanced my existing 80/20 mortgage loan with XXXX XXXX. XXXX only refinanced 80 % ( $ XXXX ) and told me that 20 % ( $ XXXX ) was considered a " loss '' and I did not need to pay. I never heard about the 20 %. In XX/XX/XXXX Sortis Financial squired this 2nd mortgage debt from some other institution and NEVER notified me for  8 years. I have never defaulted on my mortgage with XXXX since XXXX. Now XXXX I tried to refinance my home, I was not able to be approved because Sortis Financial placed a lien on my home title. Sortis Financial wants $ XXXX as they have accrued 8.125 % interest in 8 years ( $ XXXX + $ XXXX ). I have tried for 2 months ( XXXX to now ) they have not budge release the lien. It has caused me stress, made loose refinance and loose money. I am getting into more debt because of no refinance. now $ XXXX in debt and could soon default on my mortgage. I need help to resolve this situation. 940 CMR 7.07 ( 24 )
Consumer complaint received 2020-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Army and Air Force Exchange Service (KS)

received a billing statement from Military Star for {$6900.00}. I have never had an account with this company. I filed an action with identitytheft.gov on XX/XX/2020 and sent Military Star a disputed account letter but haven't received any response from them
Consumer complaint received 2020-10-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Peter Roberts & Associates, Inc. (MA)

He

llo, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you
calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist.

Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2020-10-25
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7600.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7600.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-10-20
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. (TX)

I sent an initial dispute of inaccurate data being published on my credit report XXXX XXXX. After 30 days, once the investigation was complete, I noticed the erroneous information still remained. I sent a follow up demand to verify or delete on XXXX XXXX. It has now been over 45 days, with no verification that the data is accurate and no reasonable response from the bureau. I sent another correspondence notifying the bureau that they were violating my rights by continuing to publish this incorrect, incomplete data on XXXX XXXX. I also requested again that they delete this information. According to FCRA regulations they have 30 days to investigate. As of today, the bureau has had over 90 days to complete multiple investigations and provide proof that the items are 100 % accurate and complete. They have continuously failed to comply with the law and take appropriate action.
Consumer complaint received 2020-10-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (MA)

This is a follow up to my previous complaint about Chase because my situation is getting worse. Since XXXX, I have been trying to get something in writing from Chase about how to close deceased parents ' accounts and received only harnessing emails stating that accounts that have roughly {$7000.00} have been overdrawn. 

I was called by Mr XXXX from Chase 's executive branch who told me he would look into my situation and try to find the documents I had already submitted. On XX/XX/XXXX, I received two emails ( attached ) stating that the account was overdrawn by XXXX. I called Mr XXXX who told me to ignore those emails and he told me to send in another copy of my mother 's death certificate and documents proving I have the power to control her affairs, which I did. ( attached ) Yesterday, I received a telephone call at XXXX XXXX  fro Mr. XXXX letting me know that my documents were not sufficient. I called back yesterday and today, left several messages on voicemail and spoke to someone who said the people working on my case were not in the office. I asked that someone call me and send me something in writing letting me know what documents I need to submit and why the documents I submitted are insufficient ( they are exactly what he requested ) so that I can close this account. 

I have attached also links to the relevant Chase webpage and the Massachusetts legal handbook that describes the documentation I submitted as sufficient to give me authority to manage my deceased parents ' bank accounts. 

I feel that Chase 's refusal to put information in writing and to respond in a timely manner is becoming harassment.