davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (DE)

To Whom It May Concern, I am a XXXX  year old XXXXXXXX    XXXX, XXXX, and XXXX XXXX human being on XXXX. I made a big mistake online and  was duped by XXXX who claim free web-page making ads on-line, only to get charged {$270.00} and change. When I saw a charge for {$270.00}, I started panicking and getting very upset because there was no way for me to get a refund. That is because they do not have a phone to get in touch with. I have terrible XXXX XXXX that could easily be confirmed by the employees by TD Bank, the number 1 bank in the Americas and maybe in the world. On that note, TD Bank put my money back into my account as usual ( this was approximately 8 times in all ) as in the past occurances. I have other people in the world with my exact information being that I was hacked shortly after my divorce 6 years ago, the length of my XXXX experience being alive to experience ALL of the XXXX. along with the bank issues. Now, I have no access to my on-line account. 

I did receive a letter from TD Bank to fill out any information that could further explain as to the circumstances that involved my refund request. The request did not make any sense to me to respond to the incident where a refund was requested. In other words, the dispute was for a refund. That's all. I can't state it any clearer. Hence, what information can I give them to clarify the situation. I did not respond to the additional information letter, nor did I ever in the past and I still received my refunds on all my disputes. The only difference in this situation is that TD Bank was attempting to make something out of this case due to the high dollar amount of {$270.00}. I asked for my money to be refunded on or around XX/XX/XXXX ( my dead brothers birthday ) TD Bank remitted their final letter to me demanding that I take up the issue on my own. I have tried to call, but again no success. I saw no reason to reply to a moot point. 

TD Bank, located at : XXXX XXXX XXXX XXXX, XXXX, Delaware, XXXX please have my {$270.00} returned and my rights restored. Thank you, XXXX XXXX Be Fair to me. Please return my {$270.00} please. My 6 years of loyalty. My $ XXXX/mo XXXX direct deposit was compromised by more than half all FOR A REFUND!
Consumer complaint received 2019-03-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Quality Asset Recovery LLC (NJ)

After contacting my health provider it has been indicated that the amount paid is incorrect by the collection agency. 

Therefore I am asking this collection agency to provided the original bill for the services recieved by the original creditor XXXX XXXX XXXX Hospital.
Consumer complaint received 2017-07-14
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

In XXXX XXXX an apartment I moved out of was retaliating against me for some disagreements the property manager and I had to do with repairs in my unit that they refused to fix (law violation  #1) and towing vehicles. I did not renew my lease with them however, upon giving proper notice of intent to vacate, I somehow acquired a lump sum of charges (XXXX) that I was never informed of (law violation #2). For the record, I was first notified of the charges on XXXX XXXX XXXX by the debt collection agency ProCollect, 2 months after moving. The claims made against me were clearly made in bad faith. XXXX XXXX XXXX XXXX XXXX submitted no evidence to support their allegations and instead the credit bureaus and debt collections agency let a mere copy of the lease agreement constitute as evidence. I sent multiple dispute letters claiming the false statement of fact provided by XXXX XXXX XXXX XXXX XXXX. On XXXX XXXX XXXX I sent Pro Collect a final dispute letter with attachments that refuted all of their claims against me. I received nothing back from ProCollect but now this is the only derogatory mark on my credit and it is completely illegal. ProCollect has violated the fair debt collection practices act. Section 807(5) States that a debt collection agency cannot threat to take action that cannot legally be taken. Section 809(b) States that if a consumer notifies the debt-collector within the thirty day period (a) that a debt, or any portion thereof is disputed, the debt collector shall cease collection of the debt.
Consumer complaint received 2017-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TransUnion violated the Fair Credit Reporting Act by not conducting a reasonable investigation as required by the Fair Credit Reporting Act. On or about,   XX/XX/XXXX    , I obtained my credit file from  XXXX   XXXX . I noticed that an account from  XXXX   XXXX   XXXX  was still listed on there, however I believe that the opening date for the account listed was incorrect. Also, I believe the date of charge off was incorrect as well. I immediately sent out a letter to TransUnion disputing that this account from  XXXX   XXXX   XXXX  was time-barred and needed to be deleted from my credit file. TransUnion wrote back stating that  XXXX   XXXX   XXXX  verified that the account was totally accurate and will stay on my file. I then sent a second letter once again asking for the account to be reasonably reinvestigated and also for TransUnion to send me my credit file with all information that they used to verify this account from  XXXX   XXXX   XXXX . I then wrote to  XXXX   XXXX   XXXX  and asked them to send me the information that they had regarding this account but they have not done so. If  XXXX   XXXX   XXXX  did not have the information to verify the account with me, how was TransUnion able to verify that this account was accurate? Who did they speak to? and what information did they look at? Upon my further investigation, TransUnion also listed the account with an incorrect past due balance, inaccurate opening date and inaccurate late payments. I recently applied for a credit card which was declined because of TransUnion 's inaccurate information about me.  <P/> The account I am referencing to is :  XXXX   XXXX   XXXX  Acct #  XXXX
Consumer complaint received 2022-05-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SECURITY SERVICE FEDERAL CREDIT UNION (TX)

Our loan was placed in forbearance due to my husband and I both losing our jobs repeatedly during XXXX. Upon the expiration of our forbearance, the lender/servicer ( XXXX ) told us the only way to rectify the situation was to pay, in a lump sum, $ XXXX. Because of them lying to both my husband and I, we separated and were XXXX week from finalizing our divorce. Luckily we reconciled and began working with our mortgage company together, and realized we were both being told different things. I researched our options according to CFPB and XXXX XXXX and our options were NOT being given to us. When the lender/servicer/collection agency was confronted with this, they offered a loan modification but were adding the past due payments to our mortgage balance, thus increasing the balance and making it impossible to sell the home for that amount. We insisted to talk to someone in management or directly with the servicer ( XXXX ) and again were told no, that our options included a XXXX year loan for a larger amount or to now pay almost $ XXXX to avoid foreclosure. We have communicated with our mortgage company monthly asking for all our options to be presented and they were not. Now, they have filed for a non-judicial foreclosure. This company ( XXXX ) has been sued multiple times in class action suits for this very thing. We currently have renters and they are about to purchase this home. We need to stop this unlawful company from ruining our lives, their lives, and countless others. We have submitted for XXXX funds in the state of XXXX for relief. This too was not given to us as an option, we had to research this issue ourselves.
Consumer complaint received 2022-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Social Finance, Inc. (CA)

Approximate one month ago ( XXXX. XXXX, 2022, I believe ), I found that I couldn't use my SoFi credit card and the app indicated that I needed to activate it. This was strange since I'd had the card for quite a while without issue, so it shouldn't have suddenly needed activation, like a new card would. I called SoFi that day and they told me the card had been reported as lost or stolen and was deactivated. I asked them when this happened and they told me it was the day before I called them, which I had not done. 

During my call, I asked for them to investigate who made the request since I am the only person authorized to make this type of request. I was told I would be contacted within two weeks, but more than two weeks later, I still haven't gotten a reply. I also asked why they didn't send an email or letter informing me of this as every other credit card issuer does and I didn't get an answer. The agent said she did not know either. 

I have still received no information and my account is still frozen. I believe this practice is unfair since I am not being informed about decisions that affect my identity and security, as well as not being provided with information about how this could have occurred. I do not believe that SoFi is properly investigating this and has been negligent in taking action on potential fraud. They also have not provided me a case number, telling me only that I will be contacted and provided the case number, which also has not happened.
Consumer complaint received 2022-05-28
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Shellpoint Partners, LLC (SC)

I sent a debt validation letter to Shellpoint on XX/XX/22 via certified mail. The letter was received by the recipient on XX/XX/22. In the letter, I requested all of the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

Shellpoint received the letter on XX/XX/22, but has not replied. None of the information that I requested to actually validate this debt was provided. Additionally, I asked that if Shellpoint did not provide all of the requested information and validate the debt, that this debt be removed from my credit report.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I, XXXX XXXX XXXX am reaching out to the consumer financial protection bureau on XX/XX/XXXX regarding Experian furnishing information which is a breach of my privacy and included inaccurate information on my consumer credit report. There are multiple 15 USC violations that I have attached in the following documentation that I will add to this complaint. Not only this Experian has forcefully left a fraudulent XXXX XXXX on my consumer credit report that I have complained about since the beginning of last year in XXXX that still to this day nothing has been done. I have sent numerous requests of verification and methods of investigation procedures to which to this day they continue to neglect and report verified as accurate in which they is falsified information. The result of this has caused me emotional, financial, and economical distress beyond my imagination in which I lost my girlfriend of 7 years due to my tarnished reputation of dealing with this credit bureau in which I also was unable to get an apartment and I am currently in the process of being put out on the street. I have made a lot of formal complaints to the CFPB to raise attention to the violations that this company is doing and they fail to uphold my consumer rights and protect me as a consumer under laws that this company has no regard for. Upon this notice I am DEMANDING the removal of the stated items and this will be my final complaint. I will be pursuing a lawsuit in federal court if nothing is done and will be seeking remedy for the pain and struggles I have gone through the past year and a half fighting for the furnishing of this fraudulent, unverified, and unvalidated information.
Consumer complaint received 2022-05-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (WA)

I paid of my balance in full prior to the close of my billing cycle. Per the terms of the credit card agreement there is no fee for balances paid in full. I was charged 2 finance charges while my balance was a credit of {$260.00}. My balance at the close of my billing cycle was less than XXXX dollars. I was charged two finance charges. One for {$16.00} and one for {$4.00}. When I called to have the mistake corrected they said they didn't have the mechanism for removing the finance charge. I spoke to 3 operators including supervisor XXXX XXXX. I was told that the charges were valid despite the XXXX balance which is clearly illogical and impossible. Even XXXX XXXX  interest on XXXX is XXXX.
Consumer complaint received 2024-04-02
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I purchased a car through XXXX XXXX dealership in XXXX SC on XX/XX/year> and specifically instructed them to ONLY RUN MY credit application through XXXX XXXX. as I knew my XXXX XXXX was strong no need to run it through any other XXXX XXXX or bank. 

On XX/XX/year> I saw they had ran it through 3 times ... XXXX immediately emailed the dealership what came over on credit report and I wanted a call back. 

I received a call back from the dealership XXXX XXXX and he made up some lame excuses ... .I just checked my hard inquiries and today showing Capital on query..which I am disputing since I did not give consent for them to do that ... Which is more interesting XXXX XXXX is Longer on the hard query report ... ... WAS told to contact the credit inquiry co.
Consumer complaint received 2022-05-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (MA)

The company is Venmo. They HEAVILY advertise that they now support cryptocurrencies. They only give you the option to buy and sell. You are not allowed to transfer your holdings to another wallet, on or off their platform. 

What does this mean you might wonder? Internalization. I speculate they are not even making a purchase with your funds that is hitting the blockchain. There is no way to actively view ANY of your crypto transactions through Venmo as is possible with trusted crypto-based companies ( typically, you can see the different confirmations of your funds being transferred on trusted sites ), which further supports this hypothesis. In classical finance, we refer to this as a " Ponzi Scheme ''. Because it's cryptocurrency, it is heavily unregulated and confusing to the average American over the age of XXXX so they get away with it. 

My best guess is that they collect batches of orders through their customer base, and don't actually give you a genuine crypto currency wallet, as they very clearly are advertising to unsuspecting consumers. This would mean their " transaction fee '' is also a lie, and they're just taxing their consumers because it looks normal in relation to your average crypto based transactor today. Where are my network confirmations, Venmo? Can you show me those? Prove to me that you are actually making purchases on my behalf with the timestamps, my wallet address, amounts, etc. If this is not the case, why else are you not allowed to transact further than buy and sell, and how long will it be before you grifters turn off the Buy or Sell button when the crypto bubble pops in two weeks? Oh right, you guys don't care. Whatever it takes to survive one more day, right?
Consumer complaint received 2022-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, ADDRESS XXXXXXXX XXXX XXXX  XXXX XXXX, FLORIDA XXXXXXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX, XXXX INQUIRY DATE XX/XX/XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-07-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Credit Central Holdings, LLC (AL)

I took out a loan with Credit Central located at XXXX XXXX XXXX XXXX, XXXX Alabama, XXXX in XXXX of 2017. My payment date is due on the XXXX of every month. I get paid once a month between the XXXX - XXXX and i always pay them when i get paid. On the XXXX of every month and and least 3 - 4 times a week they start calling me and harassing me wanting to know when they can expect a payment. I tell them they will get paid between the XXXX- XXXX everytime they call again at least 3-4 times a week. I always mail them a payment but they never send me a receipt. I ask them to mail me a receipt but they never send one. They tell me they are not obligated to send a receipt unless i mail them a stamped self addressed envelope. i am according to my records 2 payments away from having them payed off. I plan on sending a payment on XXXX. I need help with the uncalled for harassing phone calls every month.
Thank You
Consumer complaint received 2017-07-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (LA)

XXXX 2017, I spoke to XXXX at Navient. Prep about my student loan. He stated that I would have to pay {$240.00} for 3 months and then {$5.00} thereafter. I told him that I would not be able to pay until XXXX XXXX, then he advised me to call back on XXXX XXXX to schedule the payment for XXXX XXXX. When I checked my account on XXXX XXXX the {$240.00} was withdrawn from my account. I called the company and spoke to XXXX about the situation. He then advised me that he would take care of it. On XXXX XXXX the {$240.00} was deposited into my account and then immediately taken out again. I called the company back on XXXX XXXX, 2017 and spoke to XXXX, he assured me that a check would be put in the mail, I also faxed over a copy of my bank statement where it clearly showed where the money was taken out and then put back and then taken out again, 7 days went by and no check ( XXXX lied ). On XXXX XXXX, 2017 I called back and spoke to XXXX ( rude ), where I was told by XXXX that I did not understand my bank statement. XXXX was then put on the phone where once again I was treated like I was stupid. He then guaranteed that my check would be in the mail.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-05-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Linebarger Goggan Blair & Sampson LLP (IL)

In accordance with the Fair Credit Report Act XXXX  Account XXXX has violated my rights. 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without written instructions
Consumer complaint received 2015-08-19
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WATERSTONE MORTGAGE CORPORATION (FL)

Mortgage was sold from Waterstone Mortgage Corporation to XXXX XXXX effective date XXXX/XXXX/2015. I was notified today XXXX/XXXX/2015. XXXX 12-13 days, not the XXXX as required by law ) Called Waterstone customer service, they said it has n't been sold yet and I should n't have received anything stating it has.
Consumer complaint received 2022-05-28
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Telephone : Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX XX/XX/XXXX To whom it may concern, Im writing this letter to dispute the following accounts : 1. 15 U.S. Code 1692g - Validation of debt XXXX XXXX XXXX Account Number : XXXX this account does not belong to me 2. 15 U.S. Code 1692g Validation of debt XXXX XXXX Account Number : XXXX I have zero knowledge about this account this does not belong to me please delete from my credit report 3. 15 U.S. Code 1692g Validation of debt XXXX XXXX Account Number : XXXX 4. 15 U.S. Code 1692h Multiple debt XXXX XXXX  Account Number : XXXX please delete multiple debts This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Thank You Sincerely yours, XXXX XXXX