davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$3200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
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.

-- AUTO ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account.
Consumer complaint received 2020-09-08
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: Experian Information Solutions Inc. (FL)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. Contacted the Federal Trade Commission and filed a complaint # XXXX, Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize, which are attached in the following attachment.
Consumer complaint received 2021-12-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Prime Choice Funding Inc. (CA)

We are filing a complaint against prime choice funding Inc. because we did a refinance with through their company in XX/XX/XXXX, at the time of the refinancing we were told that we would did not have to make a payment for exactly 2 months. We did not get the two full months without payments. Also we were never asked did we want an escrow account in our refinance. If we had of been asked, we would have definitely said no. We were charged up front in the refinance for an amount of escrow for homeowners insurance for 9 months of {$100.00} for a total amount of {$940.00}. Then we were charged for property taxes of {$620.00} for 4 months for a total amount of {$2500.00}. All this is in the Closing cost details. We were also charged an additional monthly amount in an escrow account for both the homeowners insurance and property taxes in the amount of {$730.00}, starting XXXX. When this was very unnecessary. We never wanted an escrow impound account, we were never asked did we want it or not. It was just placed there for the companies to make money. We do not need any company whatsoever to pay our bills that we can pay ourselves without any interest added. Paying the company directly is fine with us because there is no interest attached. 
and paying our property taxes when they are due is fine. This company prime choice funding Inc. knew exactly what illegal things they were doing and why they were doing it. They lied to us and told us our loan would be through them. And then they transferred it to freedom mortgage to continue their fraud acts of collecting money in an escrow account for homeowners insurance and property taxes. We are also filing a complaint against that company also, who refuses to close this impounded escrow account when we have asked for it to be done in writing and the homeowners insurance is fully paid through XX/XX/XXXX. So we do not need to give the mortgage company another penny. They also have the more than enough in our escrow account to pay our property taxes due in XX/XX/XXXX. We have already informed that company to make that payment and refund whatever is left and close that account, because we do not need it or want it.
Consumer complaint received 2021-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (RI)

I received these 2 letters for, Chase asking for settlement on accounts that are not mine. 

I am using XXXX XXXX XXXX to settle some debt and they have everything i have except XXXX card, XXXX card and XXXX XXXX  card. Along with my car payment thru XXXX XXXX 

I've talked to my attorney and was instructed to report to you. 
if it was legitimate they would have my attorney 's name and number/ I dont think i have ever done business with chase
Consumer complaint received 2019-08-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (MO)

Disputed the inaccuracies of XXXX XXXX XXXX on my credit report with Experian on XX/XX/XXXX. Company received my disputes on XX/XX/XXXX as it shows according to the certified mail. It is now XX/XX/XXXX and I've yet to hear back. The FCRA gives the company 30 days to respond. I have not gotten a response.
Consumer complaint received 2022-04-28
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. (AZ)

To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPPA. XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


Sincerely XXXX XXXX
Consumer complaint received 2021-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (MI)

Holier than thou, chase bank decided that i am a bad client after 30 + years.

They then lagged the close out payment, of cash on hand for 2 weeks because they wanted to 'punish me '.

They then send a closed notice, not describing the reason, for all my accounts.

They then send a tardy statement for my last visa payment to clear my account in order to OVERCHARGE me by XXXX for LATE FEES. 

I have paid this XXXX under protest of the late fees, with their operator XXXX, who was unwilling to adjust a late fee that was equal to the owed balance. 

CHASE BANK are Monsters, and deserve to be broken up.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bridgecrest Acceptance Corporation (AL)

I have been contacting Bridgecrest about a loan that has appeared on my credit report. I have sent in documentation about this account not belonging to me. My account was hacked and information was breached which caused a loan to be opened in my name. I have filed an Identity Theft report and also sent it in the CEO and customer service several times. I was told that it would be removed off my credit report within 30 days and it is still there. I asked for all documentation from this company to see who obtained the loan. While analyzing the loan, there were no physical signatures on the application. There was a breach in the contract under the truth-in lending law which was also addressed. A fake drivers license was provided and an incorrect address was also provided from this company. I have mailed in certified receipts with signature returns requested. It is now going on XXXX  years and this same car is on my credit which has now gone into a repossession. This account has been illegally been reporting on my credit since XXXX. Bridgecrest has intentionally ignored my requests and has not been in communication with me every since they told me that it would be off my credit in XXXX.
Consumer complaint received 2018-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (LA)

My credit report is showing a {$4800.00} balance for CBNA. We do not have a credit card for this company. I filed bankruptcy several years back and all of my credit card debts were dissolved. I have not opened or put purchases on this card. I have no idea what it is.
Consumer complaint received 2017-12-21
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BARCLAYS BANK DELAWARE (WA)

My identity was stolen in XXXX XXXX. As a result, several fraudulent accounts were opened up in my name, fake business names and my maiden name ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ). 
I retained the services of XXXX to restore many of them. i also filed a XXXX report as well as police reports on all fraudulent account activity. i also had to freeze my credit files at XXXX, XXXX and XXXX. So i am wondering how Barclays Bank could accept an application by a fraudulent identity thief at all on XXXX XXXX. My files are all frozen. i spoke to someone today and they will not close the accounts. they referenced this number : XXXX the phone number they provided me at XXXX was XXXX. 

i want any applications denied and closed as i have not nor did not apply for any banking product, loan product or service with Barclay Bank of Delaware. I also want to know how someone can submit an application to this bank when the real person 's credit files are frozen?
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

Entry on report for " XXXX '' with a balance over {$2000.00}. This account was discharged through a chapter XXXX bankruptcy in 2019. I have provided all three bureaus the discharge paperwork and am also attaching it to this complaint with XXXX highlighted three times. There is a XXXX balance on this account yet it has been reporting as balance due for years. I have submitted disputes to the bureaus but because they don't read my correspondence and instead use computers, they aren't seeing what I'm saying and are auto-verifying. I can not get a mortgage while this erroneous balance exists on my report.
Consumer complaint received 2018-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I re-financed my home in XX/XX/XXXX, and the loan has apparently been sold or transferred at least twice since. In XX/XX/XXXX, I prepaid my property taxes due in XX/XX/XXXX for federal income tax purposes. Based on instructions received from the broker who arranged the refinance and representatives of the first company that issued the refinance loan, I did not make escrow payments with the mortgage payment for 3 months. The amount of the property taxes was {$2500.00}. The monthly escrow payment is {$470.00}, indicating that a total of {$1400.00} for the 3 month period and, as a result, the escrow still has a surplus. 
I have been receiving past due notices and phone calls regarding this amount. I called the company to resolve the issue in XX/XX/XXXX. The customer service representative was unable to assist me and I asked to speak to a supervisor. The supervisor indicated that an analysis of the escrow account would be done and they would get back to me within 2 to 3 weeks but that has not been the case. I did, however, continue to receive past due notices and phone calls. I called again in XX/XX/XXXX andf was again told an analysis would be done but that has not been the case. The phone calls and past due notices continue. 
I called the company today and, when the customer service representative was unable to help me, I asked to speak to a manager or supervisor. I was put on hold for over 15 minutes before I hung up. 
I am concerned that this will adversely affect my credit despite the fact that I am up to date on my mortgage and have a surplus in my escrow asccount.
Consumer complaint received 2021-12-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (RI)

On XX/XX/2021, I received a Bank Statement from Wells Fargo Bank, for an account I never opened. I immediately called the 800 number, and after many department switches, I was sent to what I believed was the Fraud Department. I spoke to someone in that department who gave me the following ID Theft # : XXXX. I was also told to file a report with the FTC, which I did and received a number from them, and to place a Fraud and Security freeze on the 3 credit bureaus, which I immediately did. I also decided to file a Police report with my local Police Department, which I did and received a copy of the report. 
I asked the person I talked to, to please send me confirmation of this complaint and to please close any accounts with my name on them. I thought that was all I needed to do, however... 
On XX/XX/2021, I received another bank statement, dated XX/XX/2021. I again, called the 800 number only to be told I had a wait of up to 1 hour. I found that to be unacceptable, so I decided to write a letter to Wells Fargo on XX/XX/2021 asking, again, to close this account and send me confirmation of this. I included my Police Report and FTC ID Theft report, as well as my e-mail address and phone number It is now XX/XX/2021 and I have not received anything from them as of today. The address on this account is an old address from 7 years ago.
Consumer complaint received 2021-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (TX)

Receivables Performance Management calls on Behalf of XXXX XXXX to collect XXXX dollars on an account that was opened through XXXX XXXX with my stolen identity. I became aware of the issue and filed a police report. I submitted the report to the credit bureaus and was eventually cleared of the negative impacts on my credit. Receivables Performance Management was made aware of the issue and still had the nerve to try and collect on this fraudulent debt. Im sure they have scammed numerous people using this tactic. The tactic being, they are aware thr victim is not at fault for the debit but still harass the victim into paying. Receivables Performance Management harasses me via phone about 3 times a week. I will not pay for fraudulent debit under my name.
Consumer complaint received 2023-10-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TD BANK US HOLDING COMPANY (NC)

I have a HELOC with TD Bank that I'm looking to have paid off and closed. 

I requested information from the bank for how to get a Verification of Mortgage from TD. 

I received a response bank from their digital team with instructions. 

I followed the instructions provided and the loan processor sent in the verification request. 

The f

irst 3 requests did not get a response. The 4 request I was told, could not
be processed due to not having a specific verification form filled out. Even though the instructions provide to me by TD Bank originally stated I just needed to send them a letter. I spoke to a representative who repeatedly told me that a letter is not acceptable and that I need to have the specific form signed and resend it in to her attention and she would call if there were any problems. 

I called 2 days later after not receiving a call from the representative asking for the status of the document and was told that since my signature on the request does not match the original document from 2018 they can not process my request. 

I explained that my signature has changed since then and what can I do to get this corrected, they stated that without a signature match there was nothing I can do. 

I understand that my signature is not the same as 2018, but I still need my verification of mortgage request completed somehow. TD Bank as a company is unable to tell me what I can do to get this requested resolved. They are giving me no other option to get me verified so that this VOM can be sent. 

I have been verified by TD over the phone, through their VoicePrint service and the secure text codes, so they are able to verify who I am. 

After speaking with numerous representatives it appears that no one is able to assist. I have been told we can " try this or try that '' but no one can tell me what needs to be done to get this processed. I've received different answers from most of the representatives I spoke to. 

The bank is causing me financial strain as I am trying to make these payments each month and the payments have increased significantly due to interest rates. 

I feel as if TD is intentionally delaying the payoff and closing of my loan so they can continue to collect the high interest payments from me and keep this loan on the books. 

As a top US Bank TD should have clear and simple instructions to provide to a customer when handling their requests.
Consumer complaint received 2023-08-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: NAVY FEDERAL CREDIT UNION (MD)

My wife made a transfer in my personal account like we have done in the past usually it take only a few mins to go threw. they placed a 3 day hold on my money which was my pay check causing fanatical harm.
Consumer complaint received 2021-12-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (KS)

I was an investor on Coinbase until XX/XX/28 when my account was hacked and my savings account was drained. {$6000.00} was pulled from my savings account and the hacker was able to transfer out {$2600.00} before the account was locked. At the time I had {$1700.00} give or take in my Coinbase account. I have been refunded {$6000.00} back into my savings account by Coinbase but have lost the {$1700.00} that I originally had in my Coinbase account. Coinbase will not refund me and I need assistance or guidance moving forward, to hold Coinbase accountable for their platform that was hacked, as they are ultimately responsible. Thanks and please let me know.
Consumer complaint received 2021-05-07
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (PA)

Good morning, so I entered into a forbearance plan couple months back, and have now several times getting off the forbearance with no success, I even had a rep tell me it was ended to then make a payment later realizing it was not ended in fact my payment was spread out somehow that I can not see how, due to the way the page looks when you are under a forbearance. I have called 3x to 4x now trying to get off of it, with no luck I have gotten 2 answers from reps stating manages have gone home for the day and can not approve at moment to then be told I can receive a call back the next day and never received one.

I am not sure how this is to play out if they wont call and I can not get straight answers when dealing with them on the phone line. I have been wanting to make a pmt of half of the XXXX I owe, am staying in the property as I have been and explained I'd like to get onto repayment plan in which case a pmt would be made as soon as I ended the forbearance, to no avail I'm still stuck in this situation with them and don't know what to do, please advise!
Consumer complaint received 2021-05-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (FL)

Upon reviewing my credit report, there is a medical collection from XXXX XXXX XXXX of an amount of {$130.00}. I have sent Equifax a dispute back on XX/XX/2021, it has been more that 30 days and they still have not verified the account. Per the fair credit reporting act law, they had 30 days to verify and if they are unable to they must delete it. I also NEVER received a letter from XXXX regarding a verification of debt. Now they have a derogatory on my credit report which is affecting me on getting credit because of this negative item.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Knight Adjustment Bureau (UT)

XXXX XXXX and Knight Adjustment Bureau are double reporting on the same debt on my credit file. As per my understanding, it is a violation of the FCRA for 2 agencies to report on the same debt. This needs to be fixed immediately.
Consumer complaint received 2021-03-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

I never applied for a XXXX Credit Card. I just now realized this remains on my credit report. I have contacted all three credit bureaus XXXX, XXXX and XXXX  and they have done nothing. I have written letters on 3 different occasion XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The account has been sent to 3 different collection agencies.
Consumer complaint received 2022-04-28
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX account number # XXXX 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