davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (FL)

Cardinal Financial 's disclosures and difficulty to retrieve signed documents make it extremely difficult for me to understand my closing costs and expectations. I have complied with every request they made and have all submitted my documents the same day they asked for them. Since starting my refinance process it has been 70 days and there are weeks that go by without an update. But every 2 days they send me a request to sign a Closing Disclosure and they do not send me a copy of what I signed. I have 4 refinances with them, not just one. They have asked me to sign 15 or more Closing Disclosures per loan and have extended my clsoing date over 10 times due to no fault of my own and without explaining to me the reasons why, keeping me in the dark without setting expectations or explaining their reasoning. I have refinanced 5 homes recently with another lender and have closed in 25 days or less. I am very familiar with the process and I have all my files and documents organized and I have complied and turned every document in the same day they requested them. Their delays and inability to move smoothly and their lack of communication of where I am in the lending process has caused me servere anxiety and financial losses as I was told I should have my funds in 30 days or less. From the 4 loans 3 I own with no mortgages that I am doing a cashout ono and one i'm refinancing for a better rate. I am 40 days behind on the refinances. There is no reason for them to request for me to sign discloures twice a week if they don't have a set closing date. Their constant requests for CD signatures has caused a confusion in what I will be getting at closing as well as missed expectations & deadlines. Every time I send documents they request they take 7 or more days to respond back. I reached out to their consumer advocate customer service line and they were not helpful at all. They said they have my files and somoene will reach back out to me. I followed up with an email to inform them that no one has called and it has been 14 days with no response. What am I to do? Take my files to another lender and wait 30 days to close or have an expectation that I will be closing in 7 days then find out 7 days later that they need 7 more days then another 7 days and they tell me we are in underwriting then 7 more days later that they need one document then 7 days later and it's been like this non-stop. There has to be an end to this.
Consumer complaint received 2023-02-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

i submitted a letter asking for the investigation report and never received one it has been more then 30 days and this is a violation of my rights
Consumer complaint received 2020-10-02
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. (CA)

On XXXX I opened a complain on this site ( Complain # XXXX - report is attached ) because XXXX was charging me late fees when I had applied and been approved in a monthly basis for referred payments until XXXX due to the COVID pandemic. By XX/XX/2020 XXXX finally responded that they were waiving any late fee I was being charged and apologized for all the inconvenience. 

Today I learned that XXXX had reported to the Credit Bureau that my account was late for 30 days, impacting negatively to my credit history. 

I am very much mortified for all the inconvenience and headaches XXXX XXXX has put me through. I had a credit score was outstanding and now it has decreased significantly decreased because of this situation. 

XXXX had taken almost TWO months to take care of the prior related issue and it was not even do it right. They have handle this situation very poorly. 

Now I have to waste time, resources again, to have this issue fix. This is not ok. 

I am enclosing the report that was filed and recently closed related to this current issue.
Consumer complaint received 2020-10-02
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TN)

I sent a dispute out to all three main credit bureaus and ask for validation of the debt of an account. They all came back as verified. I then contacted the Bankruptcy court and they informed me that they did and do not verify debt with bureaus. I am requesting that they send me the Method of verification of this debt. 

I am writing to request the method of verification for the dispute initiated between 30-60 days ago.

Chapter XXXX Bankruptcy Case Number : XXXX Please send the following information used to verify the validity of CHAPTER XXXX BANKRUPTCY Case Number : XXXX 1. The name of the original creditor 2. The creditor 's address and telephone number 3. The persons name they verified the dispute with 4. The  documentation used to verify the dispute I personally have an attached letter from the court stating that the did not verify the dept to Credit Bureaus. 

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy, and appropriateness. In lieu of sending the information, you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-07-13
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. (NC)

The following accounts listed below have reported to my account. I am unaware of these listed inquiries. Please look in to the listed accounts. Thank You, 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 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 2020-10-02
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. (SC)

I, XXXX XXXX XXXX, sent Equifax all 4 parts of section 605B of the FCR, the identity theft laws of the USA telling CRA 's how they are required by this law to react to ID theft claims by the consumer. Equifax takes a very simple law, with very specific details on how they are to remove fraud items from the file of the consumer who provides 4 specific items to invoke the removal of fraud items in the credit file of the consumer. Equifax claims their policy can rewrite the law, and they can demand additional items, and allow more time than the 4 business days the law allows. These additional and unlawful extensions of time, simply harm the consumer, by keeping illegal accounts on the consumer 's file longer than legally allowed. Equifax breaks the law, and they also block the consumer the right to appeal the wrongful policies by never transferring the consumer to a supervisor. Over 6 1/2 hours on the phone, documented, and never connected to a supervisor. That is in one day, XX/XX/2020. I am tired of credit bureaus writing their own addendums to section 605B FCRA, and no one holding them accountable.
Consumer complaint received 2023-05-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (FL)

Date : XX/XX/2023 Dear XXXX, Account XXXX : XXXX IC system reference No. XXXX I am writing to you regarding the debt that you claim I owe. While I do not dispute the fact that there may be a debt that needs to be settled, I would like to request that you validate the debt properly. 
As a debtor, I have a right to know that the debt in question is legitimate and that you have the legal right to pursue it. Therefore, I request that you provide me with a copy of the original purchase agreement that shows that you legally own the debt by the original creditor. 
In addition, I request that you provide me with all statements from the open to close, the treatment given, and signed with date and time and by whom in a certified statement ( or notarized ) by the provider ( ( original creditor : XXXX XXXX XXXX XXXX XXXX. I would also like to request a HIPAA document If any from the original creditor where I have signed, treatment provided, XXXX  code ( Please make sure it is HIPAA certified ). 
Furthermore, I want to ensure that you are a legal debt collector in my state of XXXX. Therefore, I request that you provide me with a copy of your bond letter. 
I am confident that you understand the importance of these requests, as it is your legal obligation to provide me with this information. I would appreciate your prompt attention to this matter and thank you in advance for your cooperation. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (NY)

I attempted to use my card on XX/XX/24 in the morning as I normally do for breakfast for work and the transaction declined. The previous day my account was fine and I know that I have funds available. I tried to log into my application to view my account and it got a message stating that my account is blocked call customer service XXXX for assistance Mon-Fri XXXX. I checked my emails and text messages I did not get any messages or alerts from the bank why my account would be blocked. So when they finally opened I called customer service and was told an XXXX would call me they needed to confirm I have the correct phone number. None of this made sense. I am still waiting on a call. Another representative said that I need to come to a branch. At this time my work hours conflict with there business hours of operation. So I am left with no resolution at the time.
Consumer complaint received 2022-11-09
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Avid Acceptance, LLC (NC)

I filed a CFPB complaint against Avid Acceptance back in XXXX for the same communication issues. This company is harassing me AGAIN and making fraudulent statements. 

I respond to all communications, and yet they continue to say I do not respond to anything or communicate with them. They say they call me, yet I have received XXXX phone calls from them. I have received XXXX email communications 3 days in a row, to which I have responded to all of them. 

My XXXX payment is due ( due XX/XX/XXXX ) I am aware. I replied back to their email on XXXX asking them what number they were calling ( since I have given them my new cell phone multiple times ( XX/XX/XXXX, and XX/XX/XXXX ). 

I have received to date XXXX emails indicating they are calling me ( which they are not ), and that they have received no response from me, but I have replied to every email. 

Additionally, I get emails from multiple people. 

They stated in the email on XXXX, they have left previous messages with no response, however my call logs from XXXX, for my cell phone number, XXXX, would prove otherwise. XXXX is attached. From the date of my payment due date, XX/XX/XXXX through yesterday, XX/XX/XXXX, there are no incoming or missed calls from Avid Acceptance. 

This is harassment. Lying saying I am not replying is simply ridiculous. Email proof attached.
Consumer complaint received 2020-10-02
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

Dear Sir or Madam : I recently applied for a mortgage refinance with Penny Mac. During the application intake phone call, I advised XXXX XXXX that my address was incorrect. My condo unit is # XXXX, not # XXXX as was reported. Another person owns unit # XXXX. This is a critical error. I was assured it would be corrected. Please review the telephone recording. Weeks later, the problem remains unaddressed. I have subsequently reported the problem to multiple parties, including Mr. XXXX, on innumerable occasions. Each time, I have been ignored. 

Moreover, in preparation for closing, I signed a closing disclosure ( CD ) advised that money would be returned to me at closing. When the closing appointment arrived, a brand new CD, never previously presented to me, was made available indicating that I owed hundreds of dollars and that I would need to wire funds immediately. The wire cost {$20.00}. I am due a refund and an explanation. 

Penny Mac mismanaged this process from the start. They repeatedly requested documents that had already been provided. I am less than impressed. 

Please retrain the team, refund the {$20.00} wire fee, and fix my address in any and all documents. 

Thank you, XXXX XXXX, XXXX.
Consumer complaint received 2020-10-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (TX)

I contacted experian and ask to dispute the items and also asked for proof of debt by providing me with the contract with my signature on it showing it was my debt. All that was sent to me was " Account has been verified as true and correct ". According to the FCRA I am entitled proof of debt by contract with my signature.
Consumer complaint received 2020-10-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc. (MI)

I paid my loan, but had past due membership charges, so they wouldn't let me cash out my investment. They are reporting my membership fees on my credit like it is my loan, although that is paid in full. They also have incurred {$850.00} of late fees on my account. I couldn't cancel my membership because I was past due, so they just kept incurring fees. The wait times to speak with anyone is ridiculous, and when you do speak with someone they can't do anything to help you, they just tell you the only way to help you is to pay your balance. I don't care about anything like the money in my account - which by the way they won't apply to any balance I have ever owed, even when it was more than my past due fees. I want it off my credit report. This company should be investigated, shut down, and not allowed to operate ever.
Consumer complaint received 2020-08-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (TX)

I have recently reviewed my credit report and would like to inform you of the inaccurate reporting on my credit file. I am requesting, under the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that this matter be investigated. Capital accounts LLC in the amount of XXXX this is not mine.
Consumer complaint received 2024-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (PA)

Im not liable for this debt with Midland credit management. I do not have a contract with them. They did not provide me with a contract as requested. I demand this account be removed from my credit report. This is defamation of character pursuant to 15 usc 1681.
Consumer complaint received 2022-11-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

Received a letter from my landlord dated XX/XX/2022 stating that in addition to the {$99.00} security deposit I had with them that I owe an additional {$200.00}. It said there was an enclosed copy of my resident move out statement showing itemized charges, however there was no attachment. I called the office at XXXX XXXX and they said they would have someone contact me. Later someone I believe from corporate, called and told me it was for smoking. I asked to have the proper letter sent to me showing the charges so that I could investigate and see if they were legitimate and or to dispute the charge. They never sent me a letter. Instead they turned it over to Genesis collection agency. Genesis called me and I asked them to send a copy of the charges as I wanted to dispute them. They said they could not mail me anything. I never heard from them again. They never sent a letter within the 5-day period required. Instead they just put it in collections which appeared on my credit report and lowered my credit score by XXXX XXXX I sent them a letter. I sent a letter to XXXX XXXX apartments and I notified all three credit reporting agencies. I am also going to notify the XXXX XXXX XXXX XXXX since they did not send me proper notification within the 15-day. So legally they owe me back my {$99.00} security deposit. I am also notifying the XXXX XXXX XXXX. Since I have been unable to get a written statement of the charges I will hope that you are able to get that information for me. Thank you
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (TX)

JPMCB Has ran my credit numerous times, according to the fair act you should be only reporting accurate information. I contacted this company numerous times the rep was rude they hung up in my face numerous times
Consumer complaint received 2020-10-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK (CA)

Discover Bank automatically closed both my checking and savings account without contacting me first to sort everything out. I received a letter dated XX/XX/2020 from the company informing me that they completed their own investigation and decided to close both of my accounts because they believe that accounts were opened without my knowledge. However, that is simply a big mistake ; I indeed opened those accounts with my real and accurate personal information. This is NOT identity theft. It was really shocked to me as a consumer. In addition, the company never returned to me the funds left in both accounts.

I called their customer service and banker, but they just showed me their unwillingness to assist further with my case and could not disclose additional info. Then I learned that one reason may be due  to a security freeze placed on my XXXX  profile. I froze my own XXXX  profile because I am not intended to open new accounts anymore and just for security reason. Let me also be CLEAR that I placed the security freeze on XXXX  AFTER I opened Discover bank accounts, not BEFORE. Therefore, this is not logical for the company to just assume that they were opened " without my knowledge ''. This is just not reasonable by any means. 

I am ready to provide any additional personal identification documents, or lift the freeze on XXXX  to back it up that i am the real person. 

This is shady and nonsense that Discover Bank did this to their consumer. Depends on the outcome received, I will file a lawsuit against the company if I did not get my money back and with the actions that they took to close my accounts. I am not backing down for my consumer rights. 

I attached a copy of the bank letter where they stated the issue.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

Unauthorized hard inquiries! 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (AZ)

I have a payment plan set up with midland credit for an old XXXX  XXXX XXXX account I had. I set up a payment plan with them they emailed me on XX/XX/XXXX stating my next payment would come out on XXXX. Instead they removed the account offline so I can not continue to make payments on it even though they agreed to that amount. They keep threatening to take me to court which is why I set up the payment plan I did. I am a single mom on limited income due to covid and they should not honor a payment plan and then try to collect the debt in a different way.
Consumer complaint received 2020-12-24
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: Franklin Collection Service, Inc. (PA)

I have a collection debt on my credit by franklin collections for an accrued phone account of {$4100.00} that was opened while I was incarcerated in XXXX of this year. Upon discovering this I received a text from the phone service to take a survey to a link that I separated the proxy end of the url before send my screenshots and the link to a friend for safe keeping. This link was immediately identified as abusive and locked to my messaging account not allowing me to even delete it. My credit is being effect by something I simply couldnt have done and it seems I've been directly interacted with coming upon it ; held by an agency with past lawsuits for fdcpa. I hope you can talk