davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (GA)

Wrote a letter for Debt validation never received the validation, Once I started disputing it the account went from Open to closed with a balance Im not sure if I even owe this debt or if they are authorized to be collecting this debt, I contacted the original creditor they couldnt find my name in there system to say I even owe them anything.
Consumer complaint received 2021-01-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TD BANK US HOLDING COMPANY (TX)

I was affected by the Covid-19 with my XXXX  XXXX  job about XX/XX/2020. I worked for XXXX XXXX and was let go in XX/XX/2020. I went back to work part time at XXXX  after taking a leave of absence for mental health reasons. I did return to the XXXX  XXXX  for two weeks all to be sent home on FMLA for XX/XX/XXXX not functioning safely doing the job I do. When I came off of relief from TD Auto Finanace I thought I would be fine until I found out I was going to need unexpectedXX/XX/XXXX. After having XX/XX/XXXXXXXX I went in for a emergency XX/XX/XXXXthat I had complaication from a previous XXXX. Every time TD Auto would call I would say hello and the phone would hang up. So finally I spoke with someone after I returned again to XXXX part time and I told the young lady on XX/XX/2020 that I will be making a payment on XX/XX/2020 when I received my paycheck from XXXX. She never mention I was in danger of my car being picked up. She only asked if I can make a payment. Well the order was put in for my car to be picked up on XX/XX/2020 and they picked it up on the XX/XX/2020. So they tow guy rode off with my kids XXXX gifts that was donated to us because I had no money this year for XXXX. I called to find out how much I need to get the car back. They said they are not willing to neogation with me in this time of need. But they want me to pay {$2800.00}. I am a single parent of XXXX. I have no help or money. I was not allowed to file for unemployment due to still being employed with the district. So I struggled for months with no money. Please help me
Consumer complaint received 2021-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

In XXXX, responding to an online promotion, I opened a Bank of America, XXXX XXXX co-branded credit card. The promotion promised XXXX miles and a {$200.00} statement credit after initial {$2000.00} spending. On XX/XX/XXXX, I phone B of A and confirmed the terms of the offer. By the following week, I had met the spending requirement. When the credit did not appear on my XXXX statement, I phoned on XXXX XXXX. Spoke with a man named XXXX XXXX from the B of A " executive response team, '' phone XXXX. He confirmed the terms of the offer, said I was to receive the credit within 8 to 12 weeks but that it usually does not take that long. The credit did not show up on my statement in XXXX. In repeated phone calls since then, I have not been able to get the bank to confirm when the credit would post and, in fact, in one call, I was told there was no such offer. I can provide the web pages from both before and after I got the card as evidence of the offer. I am stunned that I am having to go through so many hoops, but nonetheless, all I want is for B of A to fulfill its offer.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: REGIONS FINANCIAL CORPORATION (TX)

XXXX XXXX XXXX Account ending in : XXXX I contacted Regions Bank on multiple occasions during the stent of my loan I was XXXX XXXX XXXX XXXX. I asked information on how to submit Supporting documentation for any applicable XXXX benefits. I was never provided an accurate number and never received confirmation my documentation was received. My APR % 6.75 was not lowered during anpplicable periods. 

I believe that late payments were reported in error on my credit report this action was not corrected nor was I provided documentation.
Consumer complaint received 2021-09-17
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. (FL)

I'm victim of Identity Theft. I'm filing this claim because Credit Bureaus are not doing their job in order to investigate existing problem. I am in total disagreement with your investigation response. The fraud items listed below still appear on my credit report, even after their investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

1 ) XXXX  XXXX 2 ) XXXX XXXX  XXXX 3 ) XXXX XXXX XXXX These are not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
Consumer complaint received 2021-01-05
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XXXX I was asked to apply for a Kohl 's account when I made a purchase at their store. I completed the application with the cashier and she issued me with an approved Credit Card number. I phoned the bank the next day and was able to change the mailing address from XXXX ( from my Drivers License ) to our XXXX  residence so the card would be mailed here. I received the card on XXXX XXXX. On XXXX I received a letter from Kohl 's stating they had " identified activity on my account that was uncharacteristic of my normal shopping patterns '' and that they were " unable to contact me by phone '' to confirm that I authorized said activity. I phoned and spoke to them. They claimed they needed me to prove I was me by sending them tax forms, utility bills and another form of identification. I have established credit in the United States with my bank, Visa credit and another Department store credit card. My credit score in XXXX regularly makes me eligible for offers of more and higher credit limits. I resented the fact that this was required despite my never having actually used the card and confirming with them that there was in fact zero " activity '' on my account. I spoke to the Supervisor who confirmed that they had " lied '' about the reasons they needed more information. I followed up with the Customer Service department by email on XX/XX/XXXX. They responded with an apology on the XXXX.Now I receive another letter today ( XXXX ) stating that again, they have " observed activity on my account indicating that it is not being used in a manner consistent with the terms of the account agreement. ". Again, I have not used the card and there is no activity on the account. I feel I am being unfairly bullied by the Kohl 's Customer Service Contact Center. I have not once been contacted by the Credit Department at Capitol One Bank ( the issuer ). Why would a major corporation lie about account use if they just need more information about the account holder? This an untenable way to treat consumers and their credit ratings.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I paid the settlement offers for both XX/XX/XXXX Reference No : XXXX ( Original Creditor : XX/XX/XXXX XXXX Account No : XXXX Balance : {$550.00} ) which was {$270.00} and XX/XX/XXXXReference No. XXXX ( Account Summary Original Creditor : XX/XX/XXXXAccount No : XXXX Balance : {$500.00} ) and {$250.00}. 
I was told on a recorded call both debts would be deleted.
Consumer complaint received 2022-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (MA)

In reference to my 1st CFPB complaint # XXXX, Paramount Residential Mortgage Group admits to making a mistake and apologizes for its actions. 

This new complaint is about the lack of steps and efforts to resolve the issue by refunding my money that's being held for no reason while they pass the blame around internally and refuse to return my excess cash paid due to their blatant mistake. ( Even the escrow analysis was premature and hastily done - 4 months is too early and seems XXXX- as 6 -12 months is the industry range ) This problem originated with XXXX jumping to do an escrow analysis only after 4 months of residency and doubling my annual escrow from {$3800.00} to {$7600.00} under the internal mistake I pay {$1900.00} per quarter when in fact I pay {$950.00} per quarter. 
They raised my monthly mortgage payment from {$1900.00} to {$2400.00} causing me undue financial stress and putting me in jeopardy of foreclosure so I had to borrow money in the middle of a pandemic and economic XXXX to save my new home. 

It took them until XX/XX/2022 to admit their mistake and returned my mortgage payment to {$1900.00} in XX/XX/2022. After multiple requests and interactions with their Compliance representative XXXX XXXX at XXXX and XXXX I'm exhausted because of the XXXX 's poor internal and ineffective inter-department & Third Party Administrator ( TPA ) communications to resolve my clearly defined customer issue that they admitted know they mishandled. 

A refund payment of {$1600.00} is owed and due to me promptly. The funds XXXX holds are from {$2500.00} I had to borrow to pay my increased mortgage due to their incompetence. I have never missed a mortgage payment or tax payment and these excess funds should be returned promptly to me as a paying consumer. Why do I have to fight XXXX to get my own money back? I am taking this to the press next as I am thru playing nice - I know my rights. XXXX should be fined for this blatant mishandling of customer processing, rights, and entrusted funds. 

It is not my responsibility to deal with XXXX Third Party Administrators ( TPAs ) inefficiencies and this situation should serve as an example of what mortgage companies SHOULD NOT DO TO THEIR CONSUMERS. I have opened this new case as I seek justice, a resolution, and ultimately - MY money refunded ASAP. 

Thank you CFPB for the great work you do for all consumers.
Consumer complaint received 2021-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I believe that I am a victim of identity theft. Due to the CoronaVirus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I did. I did not receive an actual proof, physical firsthand documentation of the payment history and proof of last payment and these violations persist on my credit report. I just had to escalate to CFPB.
Consumer complaint received 2021-01-05
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: TRUIST FINANCIAL CORPORATION (FL)

Dear Sir/Madam : Branch Banking and Trust now Truist Mortgage Company has failed on numerous occasions to report my on time mortgage payments to the National Credit Bureaus. BB & T has not reported my on time payments for XX/XX/XXXX for the months of XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. In the past year, the world has suffered as a result of a Global Pandemic. However, I have managed to pay my mortgage consistently on time. I am met with the utmost disrespect from this company. The corporate office is not interested in helping to resolve this matter instead they are comfortable passing along the problem to someone else. BB & T inability to act has impacted me negatively.
Consumer complaint received 2021-01-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (OH)

Freedom Mortgage is my mortgage company effective XX/XX/XXXX. XX/XX/XXXX I was offered a 6 month forbearance due to loss of employment associated with the Co-VID 19 pandemic. During the 6 month forbearance I missed one mortgage payment. The month of XXXX I spoke with a representative to learn my options with paying back the missed payment ; 1 ) Pay back all missing payments in full 2 ) request a Partial Pay Claim Review. I opted to go with the Partial Pay Claim Review. I was told a representative from that department would be in contact. XX/XX/XXXX I made another call to Freedom and reported my XXXX request of a Partial Pay Claim Review and wanted an update but they had nothing on file. I made another request. XX/XX/XXXX I received a document in the mail from Freedom Mortgage that I did not understand and called Freedom to ask about the document and obtain an update on my Partial Pay Claim Review and again nothing was in the system. The representative reported they would submit my request and my first mortgage payment would be due in XXXX. The rep stated I needed to miss two payments to qualify for the Partial Pay Claim Review. Today I called Freedom Mortgage about my Partial Pay Claim Review request and they reported there was no request in the system for a Partial Pay Claim Review but my forbearance had ended and I was to resume paying my mortgage. I was transferred " Single Point of Contact '' department and spent 1 hour 32 minutes on a phone with a representative explaining the above. The representative was speaking with a supervisor during our call who was providing feedback. The supervisor stated in order for me to receive a Partial Pay Claim Review I needed to go back on the forbearance, wait two weeks for it to process and then call back stop my forbearance, request a Partial Pay Claim Review and see if I will be approve. I was so frustrated I began to cry! I told the rep I have already done this 3 times - XXXX, XXXX and XXXX. Now you are stating I have to do again and what assurance do I have my request will be submitted. I do not know what else to do?? I need help with this situation and I am hoping I can receive assistance
Consumer complaint received 2021-01-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (GA)

Was trying to purchase tickets from someone on internet for a sporting event, they asked that money was to be sent through XXXX, my bank which is suntrust has the XX/XX/XXXX attached to my account without going through the app at all. I sent {$300.00} via suntrust app and never recieved tickets and it appears suntrust is not going to refund my money or protect me on this at all even though it was through the suntrust app. 3
Consumer complaint received 2021-09-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (MA)

Over thirty days ago, I, mailed Documentary Evidence to ALLY FINANCIAL in support of contract dispute, which was received by ALLY FINANCIAL on XX/XX/2021. On XX/XX/2021 I opened a case with Consumer Financial Protection Bureau case number : XXXX in reference to this dispute, which was closed. 
On XX/XX/2021 ALLY FINANCIAL submitted a response through the CFPB in the form of a letter. Note that the Documentary Evidence pertaining to this case includes a notarized Affidavit of Truth, which unrebutted stands as Truth. Given ALLY FINANCIALs neglect to respond with a counter-affidavit and by instead providing a letter, which failed to address all violations outlined the original affidavit provided; ALLY FINANCIAL is now in fault and in agreement and have stipulated to the terms outlined in the Documentary Evidence through such actions. Additionally, on XX/XX/2021 I received a letter from ALLY FINANCIAL dated XX/XX/2021 regarding this case, falsely claiming that ALLY FINANCIAL was unable to conduct a reasonable investigation because I did not provide sufficient information. To ensure the clarity of my demands and in light of additional violations identified, Ive submitted a second round of Documentary Evidence including : a. Affidavit of Truth- TILA b. Affidavit of Truth- FDCPA c. Affidavit of Truth- FCRA d. Exhibits ( A through O ) e. Invoice ( updated )
Consumer complaint received 2021-09-17
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. (FL)

I am writing you this notice as a follow up for my previous notice sent on XX/XX/XXXX to dispute the following information in my file ; fraudulent information listed on ID Theft Affidavit ( see enclosure ). 

The following items listed on my credit report are inaccurate. I am a victim of identity theft. 

I did not authorize anyone to use my name or personal information to seek the money, credit, loans, goods or services described in this report. 

I did not receive any benefit, money, goods or services as a result of the events described in this report. 

My identification documents driver 's license and social security card were stolen on XX/XX/XXXX. 

I do NOT know who used my information or identification documents to get money, credit, loans, goods or services without my knowledge or authorization.
Consumer complaint received 2021-09-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (MA)

After receiving my credit reports, I noticed a fraudulent bill for over XXXX dollars placed by a former landlord on my credit history. My requests for removal via dispute process was denied, reason being amount disputed was verified as correct by the debt collector used by the landlord. Housing Court confirmed this debt is in fact not, correct, and there are no open cases or judgements against me for that amount. This was clearly done as retaliation for me calling our State Health Department which is illegal. Receiving a picture from a former neighbor of men in hazmat suits entering my former apartment verifies that in my view and opinion. This landlord demanded payment yet refused to change my carpets after getting a doctors note as directed and remodeled the entire apartment complex except my apartment contributing to sickness, homelessness and denial of other housing based on fraudulent credit reports.
Consumer complaint received 2021-09-17
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: WELLS FARGO & COMPANY (MD)

Credit bureaus refused to remove an old account that's over 7 years ( Wells Fargo, XX/XX/2014 ). Just tried to submit another dispute on XXXX and their system would not allow me to address this error. It says it will stay on file until
Consumer complaint received 2021-09-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Automated Accounts Management Services (IA)

I sent a letter to AAMS LLC in regards to some medical collections that I do not recognize on my credit reports and I havent heard anything back from them in regards to this matter. Please help me resolve this matter. 

My name is XXXX XXXX and Im submitting this complaint on behalf of myself and would like you guys to proceed forward with this complaint.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (NY)

Despite the multiple previous written requests, the incorrect items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

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 2021-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Google Compare Credit Cards Inc. (TX)

On XX/XX/XXXX XXXX took 2 unauthorized payment from my checking account both in the amount of {$500.00}. I tried to call them and you cant talk to a live person so I made the complaint online later that day they sent me an email saying they werent refunding the XXXX. Thats all I got from them. I wanted to know why that was their decision, I didnt get answer. Hackers got into my checking account that morning and made several withdrawals this XXXX withdrawal was just one of several. The hackers opened 3 accounts in my name and used these accounts to take money from my checking account. The 3 accounts were XXXX XXXX, XXXX and XXXX I have never had any of these accounts.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX {$0.00}
Consumer complaint received 2021-09-17
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC. (IN)

The debt collector was sent a certified letter to stop contacting me as the original creditor ( XXXX  ) waived the amount owned following a dispute on XXXX XXXX XXXX. I have sent an email were I have attached the dispute resolution and somebody from the office confirmed over the phone call that they have received it. Unfortunately they don't stop calling and keep saying that they haven't received it. I have sent the dispute letter multiple times but the calls still don't stop even after verbally asking them to stop calling me. The debt collector is Caine & Weiner, located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NY XXXX. Phone number : XXXX