davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: Mr. Cooper Group Inc. (AZ)

XX/XX/XXXX  - Mortgage being held by Mr. Cooper paid off. This is reflected on my login on the online website. Inquired when a lien release form would be mailed to me through instant chat on the website and was initially told that within 30 days I should receive that form. They instructed to call or chat with them if I had not received it within 30 days. 

XX/XX/XXXX  - I have not received the lien release form so I messaged Mr. Cooper through the website. Note, when I call the company, I am never able to get a real person. The phone call directs me to use instant chat on the website and hangs up. On my website login, there is no option to instant chat anymore. It has disappeared. Thus, I have no ability to communicate with a live person at Mr. Cooper about this issue. 

XX/XX/XXXX  - Mr. Cooper responds to my message and now states that lien release will be sent 60-90 days after mortgage payoff. 

XX/XX/23 to present day - Called Mr. Cooper multiple times attempting various phone calls to get accurate information about the lien release as I have been told two different timetables. On the phone, the automated recording now states that lien release forms are available within 3 to 9 months. 

The issue is that I have been told 3 drastically different timetables for receiving a lien release form. The most recent statement on the automated recording stating 3-9 months sounds excessively slow. I am unable to even communicate with a live person at Mr. Cooper and so am escalating this with the CFPB.
Consumer complaint received 2023-04-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

Experian have these negative items on my report I tried to resolve the issue and its still not fix.None of the companies XXXX XXXX XXXX, XXXX or any of the negative items on my report have a agreement with my signature or valid contract.I didnt give any of these companies to share any information.They dont have a statement saying I paid them anything.
Consumer complaint received 2023-12-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Collection Bureau of Walla Walla (OR)

XXXX year old medical debt that collection company XXXX  bought yet have another collection company walla walla collecting for them. Walla walla is difficult and unwilling to work work me or help at all. 

Have a judgement for this debt, walla walla filed garnishment against me over XXXX  years ago which I got them to drop because of lack of communication after not even knowing they were collecting for XXXX  as I hadn't been getting any correspondence for several years about debt after moving back to XXXX. Then suddenly they sent letter threatening legal action which I thought collection companies weren't allowed to do. I ignored it because I didn't even know they were collecting for XXXX as I wasn't informed all those years. They filed garnishment. Was dropped, didn't hear anything again for almost XXXX  years. XXXX  year mark on judgement was coming up, thought I wouldn't have to worry about it anymore. Then coincidentally before XXXX  year mark, I get paperwork via regular mail with judgement extension filed and granted and another garnishment shortly after. 

I contacted them via email, explained things and my situation about how I can not afford a garnishment being on a single income and supporting XXXX people/rent and that I would end up losing apt . Vice president responded telling me to call another person yet she is vice president. I deal with XXXX  and panicked trying to call. After consulting with online lawyer, I sent payment plan proposal and initial payment offer via certified mail and fax. Didn't hear anything until I emailed. After having to ask when I would hear back about my offer, was simply told " we won't stop garnishment ''. No offer back/offer to work something out, no sympathy no nothing at all. My message back asking why they were unwilling to work with me/help went un answered which was back in XXXX, XXXX emails sent to president of walla walla XXXX ( found his email online after quick search ) got no replies either from him and I know emails went through as they were not returned. So ignored as they were probably tired of hearing from me basically begging them to drop garnishment/help! 

Almost {$700.00} being taken a month from my hard earned money, already struggling and havent been able to pay bills/rent on time. Honestly not even worth being at my job anymore on my feet all day in and in pain to have so much of my money taken for a very old debt. Half amount owed is all interest and not even original debt. I was informed collection companies buy debt for very little usually so mostly are making profit when collecting. All over XXXX I had to have and still XXXX  years later trying to come after me. This is why sadly people now have to choose between getting medical care they need and probably ending up with a debt or skip getting care and suffer. Have received over {$1300.00} from garnishment.
Consumer complaint received 2024-03-12
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (NY)

This issue is regarding an unspent credit of {$120.00} available/ remaining on an " Award Card '' that was issued as a replacement to a compromised " Gift Card '' back in XXXX. 

[ XXXX ] As per New York state law, there is a 5-year expiration date from purchase before funds on a gift card can expire. 

[ XXXX ] I had previously purchased a gift card for use, and it was unfortunately compromised. Blackhawk Network ( hereinafter " BHN '' ) / Pathward ( previously known as XXXX ) did provide a replacement. 

[ XXXX ] However, on the replacement card, it is marked as an " Award Card '' with a very short valid period of until XX/XX/XXXX. 

[ XXXX ] On XX/XX/XXXX at XXXX, I initiated a call to XXXX, the customer support number for BHN XXXX XXXX XXXX XXXX issued gift cards, to see if I can have a new card issued or somehow get access to the {$120.00} remaining. * * Note : Attached is a full audio recording of the entire conversation between myself and the representative I spoke with, which includes discussion of [ XXXX ] .... 

[ XXXX ] Customer service rep did confirm that any available amount remaining will be automatically lost, and refused to provide any option to access the funds, citing that the replacement card is an " Award Card '' and thus, New York State 's Gift Card law does not apply.

This scenario, in my opinion, is : - ( 1 ) a very obvious attempt at circumventing the spirit of the Gift Card expiration law by using clever legal language, especially given that the funds are still unused and available on the " now expired card. '' - ( 2 ) could be considered a violation of New York State 's Abandoned Property Law- since the bank is aware that funds were paid, but was " expired and left unused. '' As per the Abandoned Property Law, funds should be transferred to New York State Comptrollers Office of Unclaimed Funds- not simply kept.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

Information on my credit report that is incorrect & needs to be removed immediately Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number : XXXX XXXX XXXX
Consumer complaint received 2024-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CT)

XXXX XXXX XXXX has placed a collection on my credit file for the amount of {$710.00}. I am not liable for this account and they have not provided me with a contract or purchase agreement from the original creditor if any. The account is being placed as open which is clearly a violation of 1681 s2a. I am requesting immediate deletion from my credit files XXXX XXXX and XXXX.
Consumer complaint received 2024-03-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (PA)

THE COMPANY IS ATTEMPTING TO COLLECT THE DEBT I BELIEVE I DO NOT OWE. THEY'RE FURNISHING INFORMATION TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Credit Karma (TX)

Subject : Complaint Regarding Credit Karma 's Failure to Close My General Account Dear XXXX Customer Service, I hope this message finds you well. I am writing to express my deep dissatisfaction and frustration with the recent experience I had with Credit Karma regarding the closure of my general account. Despite multiple attempts and requests, Credit Karma has been unresponsive and unwilling to close my account, which has led me to reach out to you for assistance. 

To provide some context, I have been a loyal Credit Karma user for several years, relying on their services for monitoring my credit score and managing my financial information. However, due to personal reasons and a change in financial strategy, I decided it was in my best interest to close my general account and discontinue using their services. 

I followed the prescribed process provided by Credit Karma to close my account, carefully adhering to their guidelines. I submitted multiple closure requests through their website, ensuring that I provided all the necessary information they requested. However, to my surprise and disappointment, my requests were met with silence and disregard. 

Despite my repeated attempts to contact their customer support, both through email and their designated helpline, I have received no response or assistance. The lack of communication and support from Credit Karma has left me feeling ignored and helpless, as I am unable to proceed with the closure of my general account. 

I am deeply concerned about the security of my personal and financial information, as the account closure process should be a straightforward and prompt procedure. Credit Karma 's negligence in addressing my request raises serious questions about their commitment to customer service and data protection. 

As a valued XXXX customer, I kindly request your intervention in resolving this matter. I urge you to reach out to Credit Karma on my behalf and emphasize the importance of their prompt response and action in closing my general account. Additionally, please ensure that appropriate measures are taken to safeguard my personal information throughout this process. 

I trust that XXXX, as a reputable and customer-centric organization, will take this matter seriously and address it with the utmost urgency. I appreciate your understanding and assistance in resolving this issue and ensuring a satisfactory resolution. 

Thank you for your attention to this matter. I look forward to hearing from you soon and having my general account closed promptly. 

Yours sincerely, [ XXXX XXXX ] [ XXXX ]
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NC)

today i logged into my credit file to see CREDIT COLLECTION SERV is reporting a debt of {$700.00} to credit reporting bureaus, i have never done business, signed any contract or documents with CREDIT COLLECTION SERV or anyone they are collecting for, I do not wish to contract or do business with CREDIT COLLECTION SERV.
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: AMERIS BANCORP (FL)

XXXX XXXX XXXX seeks relief from Ameris Bank in hopes to rescind the seizure of assets under the guise of a Writ of Garnishment against XXXX XXXX XXXX ( XXXX XXXX XXXX, Florida, Case number XXXX ). 

The assets seized, yet to be dispersed, consist of a joint checking account at Ameris Bank under the names XXXX XXXX XXXX and XXXX XXXX XXXX ( Ameris Bank account XXXX ). 

We believe that Florida Statute Chapter 77 prohibits the seizure of joint account unless both parties are the defendant in said writ of garnishment. 

The writ of garnishment names defendant XXXX XXXX XXXX and XXXX XXXX XXXX alone. 

This account should be released immediately to limit further damage to XXXX XXXX XXXX, specifically a check to the Internal Revenue Service which is presently frozen in said account. 

Bank officials, specifically XXXX XXXX XXXX, Ameris Bank, XXXX, Corporate Counsel, defend the inclusion of XXXX XXXX XXXX 's inclusion in Ameris Bank 's response to the writ of garnishment. 

Thank you for your time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX
Consumer complaint received 2023-05-06
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. (LA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an inquiries passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$4100.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2017 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2023-10-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (NC)

Notice to NAVY FEDERAL FINANCIAL GROUP that I'll be doing an audit of my account and checking the accounting. I'm submitting my completed form 3949a to the IRS to correct their securities fraud, Identity fraud, discrimination, and breach of contract. As well as filing my complaint and summons next week.
Consumer complaint received 2023-11-27
Product: Credit 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: JPMORGAN CHASE & CO. (VA)

On XX/XX/2023 a {$15000.00} credit card was perpetrated which fraudulently used my stolen or lost Chase Card at XXXX XXXX in XXXX XXXX, XXXX Chase Card initially reversed the charge but after conducting an incomplete investigation reversed the charge against my account claiming I had benefited from the purchase- this despite the availability of video which identified the fraudster as well as a completed police report documenting the events with the XXXX Police Department XXXX
Consumer complaint received 2023-12-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (KY)

Unfortunately, the original creditors are no longer in business. I was working with Santander Consumer U.S.A. They have sold to someone else and I was never made aware of this, which is very frustrating. I had financed a XXXX XXXX XXXX through them. I was immediately reported to the credit bureaus just a few days after I purchased the vehicle. I tried to get this matter resolved but they kept saying that they would resolve and correct it. This never happened. I was sick for a while back in XXXX and I informed Santander of this and they said that they would work with me. They actually appeared like this was going to be the case. Yet, I kept making payments and they kept reporting late payments. My payments were {$480.00} per month. Due to my illness in XXXX I had fallen behind and the plandemic was affecting my job. Later in XXXX Santander was sued and lost a Civil Case. I received a letter from a lawfirm stating that my car was in this lawsuit settlement. I was informed to contact Santander pertaining to this matter. I did and they completely ignored the fact that the lawsuit settlement said my car was to be considered paid in full. We continued for months dancing around this issue. I kept trying to do the right things and the situation got way out of hand. I was even hung up on several times by their customer service agents when I would bring up these issues. Finally, I had dealt with their harassment over being called 9 times a day that I volunteered to surrender the vehicle. I was devastated because I wasn't given proper notification of the repossession and the Repo Service they sent to get the car refused to let me get my personal belongings out of the car. This was back in XX/XX/XXXX if I remember. They never contacted me about whether I wanted to try to get the car back or not. I was never given the opportunity and I could have done that. This was and still is a harmful issue for me to discuss.
Consumer complaint received 2023-05-06
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. (TX)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXXXXXX XXXX  XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (GA)

I, the consumer and natural person, was denied credit by Truist Bank when I applied for a personal loan. 

I, the consumer and natural person, was denied credit by Truist Bank when I applied for a personal loan. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. 
You are subject to criminal liability for violating 15 U.S. Code 1691 as I have proof that I was discriminated against by Truist Bank due to the response I received.

Truist Bank is in violation of 15 U.S Code 1642, U.S.C 1681a, U.S.C 1681m, and Title 12 ( CFR ) Part 1002, because I, the consumer, made an application in good faith, but credit was not issued.

In addition, Truist Bank is in violation of 15 U.S Code 1602, 15 U.S Code 1602 ( g ), 15 U.S Code 1602 ( j ), and 15 U.S Code 1643 ( e ) because I, the consumer, a natural person, am the creditor and I, the consumer, have an open-ended consumer plan, as well as an unauthorized use of the credit card which resulted in a loss. 
Furthermore, as stated above, my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Truist Bank. 
If Truist Bank fails to make any reasonable procedure to resolve this matter and compensate me for the use of my credit card I will indeed make Truist Bank criminally and civilly liable for all actual damages pursuant to 15 U.S Code 1681 ( n ) and 15 U.S Code 1681 ( 0 ). 

Futhermore I am writing to you today to request your immediate attention to my loan application and invoice payment. I submitted my loan application on XX/XX/2023, and attached all of the required documentation. I also provided you with an invoice for {$11000.00} that is due on XXXX XXXX as well as the loan for {$5000.00}. 

I have been awaiting hearing from a client advocate about the status of my application, but I have not received any updates. I have also tried to contact a client advocate on several occasions, but I have been unsuccessful. 

I am very concerned about the delay in processing my loan application and invoice payment. This delay has caused me significant financial hardship. I have been delayed in paying my bills without this loan, and I am accruing late fees on the invoice that I have sent to you. 

I am requesting that you please review my loan application and invoice payment immediately and take the necessary steps to approve my loan and issue payment. I would also appreciate it if you could contact me as soon as possible to provide me with an update on the status of my requests.