davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solomon and Solomon, P.C. (NY)

I have attempted for a number of years to have this collection attorney remove this erroneous account from my credit report. I have written them with debt validation letters requesting ALL records for this debt, including but not limited to ALL documents that obligated me to the debt. 

They have never sent me a single solitary document and they refuse to remove the item from my credit report. 

Solomon & Solomon located at XXXX XXXX XXXX, XXXX, NY XXXX is an unscrupulous collection agency masquerading as a law firm. Their collection tactics are disgusting and illegal. 

The are reporting a debt on my credit report that does not belong to me as follows : SOLOMON & SOLOMON # XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX Placed for collection:XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$5300.00} Date Updated:XXXX Original Amount : {$5300.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX  Past Due : {$5300.00} Pay Status : In Collection Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/ -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This debt is not mine, I have never executed any documents obligating me to make payments or receive service from the creditor XXXX at the address they say that the debt is for. I have never resided at the alleged address. 

This unscrupulous debt collector has refused to send me any records to validate this debt because they do not have any and can not produce them as a result.
Consumer complaint received 2021-01-08
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)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-01-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (OR)

On XX/XX/XXXX I purchased a XXXX XXXX XXXX  from XXXX XXXX XXXX XXXX financed through Santander Consumer USA. The amount financed was {$21000.00} with a 24.84 % APR for 72 months. As of XX/XX/XXXX I have paid {$5100.00} towards the car loan and have a balance of {$24000.00} ( my balance is {$2900.00} more than my original finance amount ). I have never missed a payment on this loan, but due to the XXXX pandemic had made arrangements with Santander to defer some of the months to the end of the loan to provide financial relief as my income and work had been impacted by the pandemic. 

On XX/XX/XXXX I went to a XXXX XXXX XXXX to get information on refinancing my loan. At this time the credit union made me aware of how upside down I was on this loan. The informed me that the value of the vehicle is {$13000.00} and in order to refinance I would have to pay the difference of {$10000.00}. After doing some research I realized I had been the victim of subprime lending and that Santander had been in a lawsuit it seems they lost in XXXX about the subprime lending practices they were engaging in. Unfortunately, I was not part of this lawsuit as I just found out about it on XX/XX/XXXX. I called Santander on XX/XX/XXXX to try and renegotiate the terms of the loan as it is difficult to 1 ) pay {$570.00} per month since the pandemic and 2 ) I owe more than I borrowed even after making payments. Santander is unable to negotiate with me and at this time I am seeking some assistance as I am the victim of predatory lending in the midst of a pandemic that greatly impacted my finances.
Consumer complaint received 2021-01-07
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. (MD)

I am assuming that the bureaus have been busy and haven't had a chance to review my dispute letter yet its been over 60 days I sent in my dispute regarding inaccurate items on my report and I still have not received any response yet. To be exact on XX/XX/2020 I sent in my dispute via certified mail. I feel like my disputes are being ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days I demand these accounts be deleted immediately. I would like to add that my information was impacted by the Equifax data breach. This is possibly an explanation of the inaccurate items on my report please help me solve this issue as soon as possible.
Consumer complaint received 2021-01-08
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. (NY)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX which both is attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Original creditor : Balance updated XX/XX/2020 XXXX XXXX Original creditor : XXXX XXXX XXXX {$3700.00}.
Consumer complaint received 2021-01-08
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. (GA)

I Have been a victim of Identity Theft for a few years now. XXXX XXXX XXXX XXXX placed a collection on my credit report that was from Fraudulent Activity. I have contacted XXXX XXXX XXXX XXXX and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2021-01-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Acceptance Corporation (CA)

A collection agency called M. Leonard & Associates is wrongfully listing a collection account on my XXXX credit report. I disputed the account on XX/XX/XXXX with XXXX, and on XX/XX/XXXX, I received an email stating that the collection account was updated but not removed. I'm in the process of sending a debt validation letter to M. Leonard & Associates, with copies sent to XXXX and the CFPB.
Consumer complaint received 2021-01-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XXXX XXXX, 2019, BANK OF AMERICA add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-01-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Experian Information Solutions Inc. (CA)

Experian Credit illegally obtained my debit card information and placed a charge for {$19.00} on XX/XX/21. This was after I paid for membership through bill pay directly from my bank account. Also I did not give Experian my debit card information, I did not give that new information to anyone, because I recently placed a fraud alert on my credit. Then Experian goes and obtain my debit card information from my bank account and place an unauthorized charge, they're supposed to be protecting me from idenity theft yet they commit fraud and idenity theft. I feel violated in the worse way. Contacted my bank immedately. Paid for membership through bill pay on XXXXI have, removed all banking services from Experian membership.
Consumer complaint received 2021-01-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (FL)

I am submitting this complaint in regards to the process of trying to find rates for mortgages. I am interested in finding out what the current rates are in the market, however each lender is requiring so much personal information just to get the rate quotes! This shouldn't be this way, we should have access to the current rates without having to provide so much personal information, which includes salary information, social security numbers, etc. 

I realize it is important for lenders to screen individuals to see if they qualify for a loan, but that process is left for later on when the individual would like to pursue the loan. The act of simply gathering information on current rates ( for particular situations such as primary home or secondary home, 1st mortgage or refi ) should be open and transparent to the consumer without having to provide personal and private information! 

I think it would best serve the consumer if we had a policy of open and transparent published mortgage ( or any type of loan ) rates available to the consumer ... and stop this practice of acquiring an abundance of personal and private information ( including social security numbers ), just to get rate quotes!
Consumer complaint received 2021-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

hello. My issue is the Company called XXXX XXXX reported wrong inaccuracies to all three Bureau 's and instead of the deleting it off of my credit report they did nothing at all. I contacted XXXX, Transunion, and also XXXX about this matter and asked for it to be removed due to inaccuracy have constantly tried to understand why is this still affecting my credit report when it has previously reported incorrect and inaccurate information. I am saddened by this matter and if you could assist me with this matter I would greatly appreciate you for it. enjoy the rest of your evening.
Consumer complaint received 2021-01-08
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)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2021-01-08
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)

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On, XXXX add a hard inquiry on my credit reports. 
On, XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On, XXXX XXXX XXXX add a hard inquiry on my credit reports.
Consumer complaint received 2021-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (NV)

Hello, on XX/XX/XXXX I filed a fraud complaint about my card with Chime Bank. There was XXXX of transactions on the account by XXXX XXXX. I submitted all the correct documents for the investigation and received an email that I was receiving provisional credits in the amount of {$6700.00} but only {$5200.00} actually made it in the account. I reached out to them immediately on XX/XX/XXXX, the date the credits got applied and informed them of the error. They did an escalation on the issue and stated I would get the money in 3 business days. A week later still no credits so an email, and a phone call for yet another escalation was sent. Again 3 business days they stated ... again no response in a week. Another call and email and they said that the ticket was done wrong. So again another escalation. You are getting the idea. 8 tickets, 10+ emails, and 20+ chats with online agents and Im still sitting here 7+ weeks later with out the refund or even a simple explanation as to what is going on. Im still missing the {$1500.00} ( roughly ). Now when I try to chat they just close the chat without any response at all. I have 2 tickets that they have that are 4+ Weeks old that are not closed nor have gotten a response despite every agent stating this is NO MORE THAN 3 business days. They will not supply me with the ticket numbers, I get no response in chat or in email. Since then there had been other fraud on my account. In the amount of {$3100.00} that is still unresolved at all.
Consumer complaint received 2021-01-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: TD BANK US HOLDING COMPANY (IL)

I purchased a XXXX XXXX with XXXX XXXX issued by TD Bank , N.A . on XX/XX/XXXX for {$3600.00}. On XX/XX/XXXX, I started having issues with the Treadmill and have continued to have similar issues to present day. I have reached out over 20 times during that period of time to XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, subsidiary of XXXX. They have either not responded or provided a response with a resolution that does not solve the issue. When I let them know the resolution does not work, they do not respond any further. It has happened multiple times and my treadmill does not work. I submitted a finance dispute in XX/XX/XXXX with the TD Bank since the purchased treadmill was not working and I was not receiving any support or service. I received one phone call and no letters or other communication during their investigation. I called TD Bank again today because they will not respond in their inquiry system online, but they do not email or call, and the wait times are well over an hour or they don't answer. When speaking with them today, they let me know they made a final determination to my dispute on XX/XX/XXXX but I have not received any communication regarding this. They said a letter was sent but have no proof of that. Their determination said that XXXX determined my internet is the problem. During the pandemic we have all been at home and working from home with internet. I have also had message conversations online and emailed XXXX as well as I am online filling this out now. I have questioned TD Bank how that was determined, and they can give me no further information, but a final decision has been made. I would like to file a bad faith complaint against XXXX and TD Bank as they are taking advantage of consumers and not providing support or service when their service or product is not working.
Consumer complaint received 2021-01-07
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. (MD)

I am assuming that the bureaus have been busy and haven't had a chance to get to my dispute letter 's yet it has been over 60 days since i sent my dispute 's regarding inaccurate items on my report and i still have not received any response yet. To be exact on XX/XX/2020 I sent in my dispute via certified mail. I feel like my disputes are being ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days I demand these accounts be deleted immediately. I would like to add that my information was impacted by the XXXX  data breach. This is possibly an explanation of the inaccurate items on my report please help me solve this issue as soon as possible.
Consumer complaint received 2021-01-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

I have requested the payoff release of lien XXXX for the amount of {$10000.00} per request from my lender on a hud 1 and title and tax buyer and taxes and my buyer is ready to close. The XXXX XXXX Police where the house is located has been watching the house because a squatter was living in the house when they entered XX/XX/XXXX. 
And the taxes have to be redeemed right away to avoid me loosing the house to the tax buyer for {$27000.00}. 
I would like the settlement payoff to be faxed to XXXX for {$10000.00} on property address XXXX XXXX XXXX XXXX XXXX XXXX XXXX because the taxes according to my County Clerks Office must be redeemed XX/XX/XXXX and I do not want to loose my buyer and the house is vacant to vandalism. My investor agreed to do this for me.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (CA)

I sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across XXXX and XXXX. They ( FSTPROGRESS ) received that letter with certified returned receipt on XX/XX/year>. I received NO RESPONSE to both mailings. A second letter was sent on ( XX/XX/year> ) certified signature required with further violations highlighted received on XX/XX/year> still with NO RESPONSE. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law.
Consumer complaint received 2021-01-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

On XX/XX/XXXX I got a phone call from a person with the last name XXXX stating that I owed {$2100.00} they said that they had filed a court case and they were holding it until I paid the money they would also settle for {$950.00} or lower knowing that my father had passed away. The company said that their name was HSBC they said that the case number was XXXX however I was not able to find this case when I looked it up. The person I talked to today XXXX the XXXX XXXX was XXXX she did not give me a last name she said my debt was really old from XXXX to XXXX for a MasterCard through XXXX XXXX and through XXXX  XXXX XXXX they had my address my phone number my social security number my driver 's license number and my wife 's name their phone number that they called me from was XXXX. I told my wife to look up the information she can not find anything about this company except for that there's a bank named HSBC that's very reputable it's not a collection agency. when she called the number, the phone rang a few times before finally reaching a voicemail saying that there's nobody able to take the take the call at the point in time but if I left a voicemail they'd get back to me. they have not sent me any formal paperwork there's no documentation it's not on my credit report that these this dead even exists I I have I have two credit cards out right now and good standing I've called the companies I haven't worked with XXXX  XXXX XXXX since the XXXX and I could just tell that they weren't a real company and I'm just trying to report that
Consumer complaint received 2021-01-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NC)

On XX/XX/2021 I sent {$300.00} on Zelle for a pair of shoes but since then I have received no word from the seller and no shoes, leading me to think I was scammed. I reported the scam to Zelle with no response.
Consumer complaint received 2021-01-07
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

I am a Penny Mac customer. I was in the process of refinancing my house. 
I was notified five hours before my refinance settlement, that my loan had been canceled for non-payment of my XX/XX/XXXX mortgage. I paid my mortgage. 
I paid my mortgage on XX/XX/XXXX. 
I called to find out what the confusion was. 
I was notified my mortgage was placed in suspense because of taxes and escrow increase. 

Almost a full month passed between my XX/XX/XXXX mortgage payment and my XX/XX/XXXX settlement date and I had not received any notification that my payment was placed in suspense and not applied to my account. 
No phone call, no email, no account notifications, no letters, no Robo call, nothing! Even when I logged into my account on the company website to sign the settlement disclosures. Nothing! No Notifications. 

The servicer provided no communication that my loan was not paid in full or that I was in jeopardy of my loan being canceled, even though I spoke or was in communication with my loan processor and/or loan officer, 2-3 times a week. Often speaking with them several times a day. I even received an email from my processor the night before settlement, confirming what I would need at settlement. 

As a customer refinancing with the same lender shouldnt I have received more than 5 hour notice that my refinance loan is being canceled because my mortgage payment wasnt applied to my account? 

I was failed on two fronts, by the service provider not communicating in a timely manner the status of my payment and by the refinance department who promised in there opening email to monitor the loans status through settlement. 

I have never missed a payment, please check my history. There is no reason, I would intentionally not make my full mortgage payment. 

I was told that the my loan officer and the Penny Mac team were there to make sure my loan processed smoothly. This event has shown a gaping hole where loans and customer experience can fall through and fail. I am sure this is not the experience the Penny Mac Team promised or intended for my Veteran family to have.