davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-12
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CA)

on XX/XX/XXXX I signed a series of documents for myself and my wife. It was my understanding that these documents were for the freedom mortgage product titled " IRRL VA Streamline '' that carried an interest rate of 2.6 % and a reduced mortgage payment of {$2900.00}. One of the features of this product that there was no credit check for current freedom mortgage customers. The loan officer confirmed the documents completion and informed me that someone from the company will contact me to finalize. However, on XX/XX/XXXX I received an email from freedom mortgage with my credit report and a denial letter. This of course is confusing because I was not told that my credit was going to be pulled for anything. I attempted to have this issue explained and resolved by other administrative staff of freedom mortgage, but apparently this " denial '' status has essentially removed any support privileges that I have enjoyed in the past as a customer in good standing. I have spoken with a series of departments and so far no one from Freedom mortgage has made any attempt to follow up with me on this matter. After researching the company CEO 's email address, I forwarded my communication to him. The company 's Senior VP sent me an email that day on XX/XX/XXXX accepting the responsibility of addressing my issue and confirmed that someone will contact me via telephone. No one has called me since the issue began on XX/XX/XXXX. In addition, I received another email from the company 's Senior VP on XX/XX/XXXX requesting proof that I have the credit report that they sent me on XX/XX/XXXX. The credit report was sent through a system that houses the company 's documents. When clicking the link, all of the documents that I signed for the IRRL refinance are suspiciously gone and so is the hard credit report pull that was sent to me twice on XX/XX/XXXX, the error states " documents are no longer available ''.
Consumer complaint received 2023-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

Hi I opened a chase business bank account and deposited a check for my business on XX/XX/10, after 2 business days the money was cleared and available to use but my account had been restricted. I reached out to chase and they said they had to verify the funds with the issuer. I spoke to the issuer XXXX from XXXX XXXX and she told me chase reached out to her and she cleared the funds. I call chase later to be ambushed with questions of why I was receiving a check for that amount I immediately felt disrespected and gave them my info. A day later I get a call from chase that they couldnt verify the funds and they would be closing my account with no explanation this is inconvenient and my money is sitting in a restricted account that I cant access, please help me or let me know what I should do. Attached I have documents of everything, my business name is XXXX XXXX XXXX Account number XXXX
Consumer complaint received 2021-07-02
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: EQUIFAX, INC. (PA)

The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2021-07-02
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CMRE Financial Services, Inc. (MS)

This company, CRME, keeps calling my phone ( electronic message ) for an individual that is not me. I made contact with them to have them remove my number and that the individual who they are trying to reach is not at this number. They are trying to contact 'XXXX XXXX ', not sure how it's spelled. I have had this number for over a decade. They continue to have their automated system call my number.
Consumer complaint received 2021-07-01
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. (GA)

My student loan was deferred from XX/XX/XXXX to XX/XX/XXXX. However when I reviewed my credit report I noticed that my student loan was marked late every month from XX/XX/XXXX to XX/XX/XXXX ( for a total of 11 late payments that appear on all of my credit reports, with all three bureaus. The purpose of deferring a student loan is to protect borrowers credit rating until we are able to pay. I reported this information to Experian and they failed to investigate my claim. I contacted XXXX XXXXXXXX XXXX XXXX and they advised that they were not contacted by Experian.
Consumer complaint received 2021-07-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (FL)

I am not liable for this debt with XXXX and I do not have a contract with ENHANCED RECOVERY CO L plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$1400.00}
Consumer complaint received 2021-06-27
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. (TX)

As of XX/XX/2021 Equifax Credit Report is listing XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX as one of my previous address, I have never lived at this address and because of it is causing me to get collections linked to that address. Equifax needs to get his stuff together and stop adding addresses to my personal information, this is the second time it happens and causing grievance for getting collections that don't belong to me.
Consumer complaint received 2021-07-02
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: TD BANK US HOLDING COMPANY (NY)

TD Finance refuse to reply on my 5 certified return letters. 
I requested the status of my account I requested to answer whether or not Debt was sold, assigned or else? 
I requested to answer whether or not any Attorney was retained to represent them in court? 
I requested carbon copies as per Metro2 and E-oscar submitted to all 3 credit bureaus. 
The company ignored all my requests and never replied to any of my letters.
Consumer complaint received 2021-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I was looking at my credit report and noticed the following unauthorized inquiries can you remove them from my credit report immediately 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian : 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 2021-07-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

I ordered an XXXX XXXX XXXX XXXX XXXX  through XXXX, which took me to XXXX to complete the transaction. After a a credit approval from Citizens One, I got confirmation of the order and access to credit account. 

But by the promised XX/XX/XXXX, I hadn't received any information about shipping or anything else. XXXX XXXX ( the company offering the XXXX XXXX stopped responding to any questions via email on XX/XX/XXXX, and the numbers listed for support were for Citizens One, not XXXX XXXX. 

Finally on XX/XX/XXXX, I was notified via text from Citizens One that the product was not in stock, and my order could not be placed. Citizens One opened a line of credit for a product that was not available.
Consumer complaint received 2021-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (AL)

XX/XX/XXXX, I sent a letter to Comenity Capital bank, after already disputing the accounts, stating a settlement offer on an account. The letter stated upon cashing the money order, they would agree to completely remove all references to this account with all the credit bureaus, agree to not list as paid collection or settled account, and agree payment was satisfying the debt in full. I also requested settlement within 15 calender days from receipt of payment. On XX/XX/XXXX, they sent out a letter stating they would like me to call their recovery Department to resolve the issue. XX/XX/XXXX at XXXX XXXX, I called and the representative said I could settle the accounts and I would have to send the money orders individually instead of one money order for all accounts. She also gave me a settlement amount for each account. On XX/XX/XXXX, I sent a settlement letter and a XXXX XXXX money order in the amount of {$260.00}, the amount they gave me to settle the XXXX XXXX account with Comenity Bank. The money order, # XXXX was cashed on XX/XX/XXXX. As of XX/XX/XXXX, I have not received any notice, the amount I sent in was deducted from the balance and now showing a balance due and the account is still showing on my credit reports. Comenity did not settle the account and they did not remove all references from my credit reports, as they have agreed to my settlement terms by cashing the money order, and it is beyond the 15 calendar days since received.
Consumer complaint received 2021-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (CA)

the lender purshase my loan and cancel the insurance that was escrowed the incrise my payment from XXXX to XXXX XXXX, wene i ask them the reason they said it was for escrow cushing and i compaint that it was to much and she told me it was a normal increase but, she did not told me they added their one insurance for XXXX a month and the old XXXX was XXXX a year, it is a renters insurance the lady that is in charge of my loan is XXXX XXXX and she is the only one that soposible can help with the loan but she is very rude
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (RI)

I received a call from this local number : XXXX informing me that someone is trying to use my Amazon credit card for a {$900.00} purchase and to press 1 if I did not authorize this. 
I pressed! & was redirected to an operator who had me download this app called " XXXX XXXX ''. They had me read back a 9 digit number to them because they wanted access to my Amazon app on my phone. I hung up when they asked me to hit " Accept ''. I decided to call Amazon customer service myself & they confirm to me that the call was not from them!
Consumer complaint received 2021-07-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (UT)

I noticed a few days ago after reviewing my statement that there was a charge on my XXXX XXXX XXXX XXXX issued by Synchrony Bank. 

My personal laptop was stolen from my apartment and not sure who took it because I live with roommates and family. 

I immediately filed a dispute but no action was taken
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AL)

I live in XXXX and XXXX. The furthest XXXX I have ever been is XXXX. Which still isn't close to XXXX. It says the transactions were made at a XXXX ATM. There is no way this could have been authorized by me. I have my card on me 24/7 but I was told that a card was present. I recieved a false phone call with someone claiming to be Wells Fargo. I feel this is true because as soon as I got off that phone call, I recieved 400+ spam emails. Somebody must have gotten my information, made a fake card. Then used it to remove money from an ATM. I have anything and everything to prove that this was fraudulent. Case number : XXXX {$690.00} was taken from ATM
Consumer complaint received 2021-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: HUNTINGTON NATIONAL BANK, THE (IL)

On or about the second week of XX/XX/2021, I received a debit card from the Huntington National Bank in XXXX, OH. It was in my name but I had no knowledge of the account. I had not set one up. The debit card was followed about a week later by a letter from the same bank, welcoming me to their bank and the letter stated the account had been opened on XX/XX/2021. 

I did contact that bank and explained I had opened no such account and had it reported to their fraud department. it was them researched and closed per my request.
Consumer complaint received 2021-03-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

I have been subject of theft and financial crimes. My account was with the firm called Coinbase, Due to no help form coinbase I hired qualified Private investigator which found the suspect, I have even informed coinbase and asked them to help me with reporting to law enforcement which they do not, Please note that the private investigator mentioned to Me that aside from my coins, the suspect had approximately {>= $1,000,000} worth stolen crypto coins in his account as of XXXX, 2020. Using todays valuations, this translates into over {>= $1,000,000}. 
I have exhausted all procedures made available to me by coinbase, all computer-generated responses to request the un-freezing of my account. Companys responses have been disappointing and unprofessional, to say the least. Furthermore, your lack of timely attention for assisting me to unfreeze and gain access to his account is on the level of obstructing justice, as it is preventing me from cooperating and providing information to law enforcement, It is also preventing him from meeting his tax compliance responsibilities. We further believe that the manner in which Coinbase handles such issues is conducive, advantageous, and beneficial to the thieves who are hacking accounts held by you in their exchange. Through these events, we have come to realize that your policies and terms of services are unfair and unconscionable business practices. They are unilaterally self serving, and have placed me and other account holders, in a similar situation, at risk of being defraud ed. We b elieve this constitutes a breach of agreements and fiduciary duties on your part.
Consumer complaint received 2023-03-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-07-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

It was on XX/XX/2021 when I was at the hair salon. I didnt know what happened but I know I had a transaction coming into my account on that day so I checked my account and realized that XXXX $ of unauthorized use is being sent out to someone call XXXX or XXXX XXXX. I did not know about this so I called my bank and told them while it was on the same day and pending. I realized that this was a transaction that my brother did to purchase a dog from somewhere call XXXX XXXX through email exchanges pretending to me since hes underage and wants a dog. Hes not an authorized usage of my bank so it shouldnt be accepted regardless. However the bank said they cant do anything about this fraud/scam cause we never received the dog that was promised. I also contacted the company after seeing the email exchanges and asked them to refund my money since it wasnt me that was talking to them and they ignored my emails. This is a not right and my bank refuses to refund my money unless I make a police report for it. I received my banks decision today on XX/XX/2021 and called the representative and this is what they told me. They said I would need a case # from the police for them to consider this as a fraud/scam. Thank you.
Consumer complaint received 2021-07-02
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. (IL)

I sent the document below advising information on my report was incorrect and it should be deleted. According to the FCRA if the information is incorrect it should be removed off the consumer report. Instead the account was updated to what I pout in the letter. How did you verify the information to updated it. What if I was not telling the truth. They never send me a method of verification and I have asked plenty of times for the XXXX XXXX  account that is on my report. Everything they have been doing to my report is illegal and in violation.
Consumer complaint received 2024-02-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: PENNYMAC LOAN SERVICES, LLC. (LA)

Good Afternoon, I am a homeowner in XXXX XXXX and need help with my lender. I bought my house in XX/XX/XXXX with an FHA XXXX loan program. At the time I was working at a XXXX XXXX as an XXXX XXXXXXXX. In XXXX of XXXX I lost my job due to the COVID pandemic. My lender offered a forbearance during the time I was not able to be employed. When the pandemic was abating, my lender then asked me to pay back all of the missed payments in a lump sum or offered to refinance which would also give me a lower monthly payment. I did not have the money to pay the lump sum and was not able to resume working as an event manager at that time so I chose the refinance option. However, I now have paperwork saying that in addition to the missed payments, I owe an additional {$27000.00} over and above the missed payments due to the refinance. I was never informed about the additional money that would be owed and would not have been able to avoid it anyway as I did not have the money to pay the lump sum of the missed payments. Now due to escrow and the rising costs of everything, my monthly payment is higher than it was before the refinance in XXXX. Is there anything I can do about my monthly payment and/or the additional {$27000.00} that has been added to my amount due. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2021-07-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kimball, Tirey & St. John LLP (CA)

Today on XX/XX/XXXX. I checked my credit report and discovered a {$9700.00} collection account. I haven't owed any debt during Covid-19 so I thought this was mistake. However, I checked my XXXX  report and XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, was on my credit report on behalf of XXXX XXXX XXXX. My my life was threatened and the police was called out to the residence I was residing in, on XX/XX/XXXX to file a report. I conveyed this to the Leasing Agent and I had moved my belongings out of the unit on XX/XX/XXXX and this was witnessed by the agent because there was a video and audio recording of her speaking with me. There were pictures taken of the unit as well. I even signed a new lease at the end of XX/XX/XXXX so there was no way I would still be liable to pay over $ XXXX for a unit that I didn't live in. I understand these are hard times during Covid-19 however, I should not be liable after almost 2 years and 8 months for a debt that is not mine. Why would a creditor allow so much time to past to make me responsible for a debt that is not accurate? I worked at the XX/XX/XXXX in XXXX County as a XX/XX/XXXXand there were no Judgments against me, which is the action to take with Real Estate. Why would the collection agency not send me a notice to collect a debt when my address has remained the same since XX/XX/XXXX to dispute these charges? California residents are protected by the Rosenthal Fair Debt Collection Practices Act ( Cal. Civ. Code 1788 to 1788.33 ), The Rosenthal Act also requires that original creditors and collection agencies and attorneys comply with the federal FDCPA. ( Cal. Civ. Code 1788.17 ). Attorneys are subject to the professional standards set out in California 's Business & Professions Code. ( Cal. Bus. & Prof. Code 6077.5 ( a ) ) .This is the definition of fraud! I want this debt removed from my credit report.
Consumer complaint received 2021-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NC)

I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX  XXXX Equifax XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.