davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ONLINE Information Services, Inc. (PA)

I continue to receive telephone calls from a debt collector threatening civil action. I have had my personal telephone number over 45 years. I do not owe anyone an money. I have asked this company to stop calling me and asking for a XXXX XXXX. This person does not live at my residence nor do I know of her. I called back at XXXX and requested information and told them to stop harassing me. The company is Online Services from XXXX N.C.
Consumer complaint received 2018-03-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY (NY)

I have applied for and closed on my residential mortgage loan with TD Bank. I was provided a loan estimate on in XX/XX/XXXX and again on XX/XX/XXXXand closing disclosure on XX/XX/XXXX without New York State and XXXX XXXX XXXX  property transfer taxes disclosed to me. Section E of the Loan Estimate was disclosed on all of these documents to be {$70000.00} which was sum of all transfer taxes. I received a revised closing disclosure on the evening of XX/XX/XXXX with {$27000.00} of property transfer taxes added. This was the evening before closing! I closed my loan onXX/XX/XXXX. This disclosure was provided less than 24 hours prior to closing. It is also my understanding that New York Real Estate Transfer taxes must be disclosed on the original Loan Estimate and can not be redisclosed ; and certainly not less than 24hrs prior to closing. This was a shock to see the additional required funds for closing and it amounted to {$27000.00}!!! I contacted my loan officer via email and phone on the evening of XX/XX/XXXX and again in the morning of XX/XX/XXXX before and during closing which was scheduled for XXXX. She would not respond to any emails and did not pick up/return my calls. I was forced to close under duress as this was a home purchase and I had movers already packing my current home and family in transit to the new property. My most recent contact at TD Bank was XXXX XXXX, Ops Manager ( XXXX  ) XXXX and XXXX XXXX  in Operations ; neither of them expressed any interest in addressing the matter. My attorney drafter a letter onXX/XX/XXXX to XX/XX/XXXX ( Chief Risk Officer ) and XX/XX/XXXX ( General Counsel ) at TD Bank at corporate headquarters with all of my supporting documentation and requested a prompt reply. It has been over a month and we have yet to hear back. I am livid that any lender, especially one of TD Bank 's size can operate in this manner. I was provided disclosures on the eve of my purchase transaction with an additional {$27000.00} out of the blue and when questioned, nobody would return an email of phone call. When i continued to request to speak to management, I was connected to a sales manager to told me TD Bank did nothing wrong and that's all they could say and would not elaborate. Absolutely horrible for TD Bank to operate in this manner! After speaking with my attorney, i understand that this type of transfer tax can not be added as a change or re-disclosure, again certainly not on the evening before closing! For a bank to disclose this large sum with no explanation at the very last minute is completely unacceptable.
Consumer complaint received 2016-09-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XXXX XXXX, 2016 I personally went to CapitalOne Bank XXXX branch to collect the stolen funds by unknown theft XXXX XXXX. The stolen funds in the amount of {$79000.00} plus 20 % interest, {$100.00} late fee/per month, {$150.00} travel expense, 14 hours collection time, pain, suffering NEVER paid for 3 years. Theft XXXX XXXX NEVER went to jail for her theft behavior. However the branch manager XXXX XXXX XXXX began to blaim me as a victim. He stated that " because of your behavior, the bank closed all of your accounts and mailed you a cashier 's check {$9.00} on XXXX XXXX, 2016. You can not access the Capitalone branches anymore. '' I feel I was mistreated that I lost my savings for 3 years and never received anymore payback. However he began to take my advantage to let me leave without paying stolen funds back which belong to me. I was also shocked that what type of behavior I have? He lied. I just followed what the customer service told me to go to branch to collect stolen funds. I have asked him the corporate office phone number however he only gave a customer service phone number. I walked out of branch to filed a complaint to customer service Rep XXXX XXXX. On XXXX XXXX, 2016 I was called by a CapitalOne customer service Rep XXXX # XXXX at XXXX. She said she can contact branch regarding my complaint and stolen funds, but I waited 15 minutes she never had any answer. I am extremely angry about my stolen savings not only I need it to pay my daily living expenses, but also I lost lots of promotional bonus, interest, earning opportunities by other means for 3 years. I have NO choice but to file another complaint to ask my stolen funds to be back immediately.
Consumer complaint received 2017-02-15
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (CA)

a fraudulant card belonging to GAP XXXX is being listed on my experian credit report for the past 10 years despite a lot of calls to ge money bank no response has been given except that ge money is sold to synhrony bank so contact them and they have no knowledge of acct pls help me to get this removed
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (MA)

AAvantage Barclays, I paid off this card to improve my credit standing whichic I have. I paid off {$1700.00} on XX/XX/2023 in full. I spke to an agent who assured me that all is okay and I satisfied my amount of {$1700.00}. Now comes a bill in todays mail stating that I owe {$7.00} for interest charged. When I called today to resolve this situation a representative hung up on me. I could have very easily paid this amount to resolve this isse, however it is fraud.
Consumer complaint received 2022-02-08
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: EQUIFAX, INC. (GA)

Since XXXX, until this day XXXXThere are open inquiries, applications, fraudulent use, and other unrecognized inquiries on my account that aren't mine.. Some accounts are still open which should be closed..This is with Equifax, XXXX and XXXX
Consumer complaint received 2023-03-16
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. (VA)

I mailed a letter to Experian on XX/XX/2023 and they sent me a letter back on XX/XX/2023 claiming the letter I sent them was not from me and that they would not be complying to my request to remove unauthorized inquires.
Consumer complaint received 2015-06-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

This debt is not known to me. I recently requested my Free Credit reports to access my credit history before I applied for my XXXX mortgage which I have been diligently addressing my credit so that I would be in a good position when ready so I request full validation from the crediting company. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information.
Consumer complaint received 2023-03-16
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. (MI)

In accordance with the Fair Credit Reporting act XXXX Account # 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 15 U. S. C. 166b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason I have attached copies of my credit report showing that the information they provided does not match and its inaccurate
Consumer complaint received 2016-04-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

This is the second complaint I am entering for the same issue. 
I have attempted to call and repeated left messages with no response. 
XXXX XXXX CST left message, XXXX XXXX XXXX CST left message, XXXX XXXX CST left message, XXXX XXXX CST left message, XXXX XXXX CST left message. 
I received one phone call on XXXX acknowledging my complaint, and have not heard back since. 
My complaint is that I had a mortgage with Bank of America, the house has been sold, property transferred over 7 years ago. BOA still has my mortgage reported as open with a past due balance of over XXXX. This is negatively impacting my credit and prevents me from future home purchase and financing. I have tried to contact the bank prior to the complaint, but each time, someone at BOA will acknowledge that the facts I provided are correct and it is a mistake, and they will get back to me with a resolution. No one ever has.
Consumer complaint received 2020-06-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

Experian is requiring that anyone calling who does not have a paid account wait on hold for more than half an hour. They are also refusing to accept their own report numbers as valid for accessing the report. They are directing those who want to upload a document relevant to the report to a non-working website. In addition, they do not seem to be considering any information I submit regarding the dispute - only that provided by the furnisher. This seems to me, collectively, to be a willful violation of the FCRB.
Consumer complaint received 2017-03-01
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Mitchell Rubenstein & Associates, P.C. (TX)

No issues with the debt just the amount, it was also at a time when I was laving the state and starting a transition. They sent my case to civil court, when I was in the process of transitioning out of state. I attempted to resolve the issue by calling the firm and never received a response. They have since submitted a garnishment from my pay with I still disagree with the amount and am waiting to resolve this issue by paying them or having the garnishment, but not at the amount they are stating.
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: SYNCHRONY FINANCIAL (CA)

Im being attacked for someone causing 4 hard inquiries to my credit report. I already complained about XXXX XXXXXXXX XXXX and XXXX XXXX XXXX Today I received a new email from XXXX reporting a new inquiry from SYNBC/American Eagle , institution I never asked any credit at anytime in my life.
Consumer complaint received 2018-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Coinbase, Inc. (NY)

I was sent unauthorized charges due to an XXXX error on XXXX 's behalf. 
Disputed the charges, resolved the issue. 
Due to the issue, I unlinked my card and closed my account in order to not have any more charges sent. 

Figured coinbase issues were solved so I sign up, verify identity, payment info ... and they will not unblock me to make purchases. I submitted tickets and were told I'd receive a message back in a few days with no response.
Consumer complaint received 2016-05-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Meade & Associates, Inc. (OH)

MEADE & ASSOC # XXXX has reported an account that was in a Bankruptcy and need to be updated properly. The original holder of the account was XXXX XXXX XXXX. This is a error and needs to be updated.
Consumer complaint received 2023-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2022-02-08
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: EQUIFAX, INC. (GA)

To Whom it may concern. I am submitting this complaint on my own there is no third party involved. I checked my credit report and i saw i had some fraudulent items on my report. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything i did. Im unaware of any of this. Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S.C. 1681c-2. Please see attached FTC report.
Consumer complaint received 2022-09-01
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. (SC)

I am a born US citizen, I am a living human being, I have rights under 15 USC 1681! Equifax is govern by 15 USC 1681, and they have violated my rights numerous of times. I demand these accounts be removed because : According to 15 USC 1681 : I have the right to privacy and I did NOT give Equifax written permission to furnish these accounts or inquires : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Telerecovery Corporation (AL)

I submitted a written dispute with XXXX against TeleRecovery of XXXX because they have two collections on my account from the same company and has it appearing as if I made two visits with the company. I asked that one be removed and they failed to do and XXXX  stated that the debt is accurate and I am stating it is not. I have not been to XXXX XXXX XXXX for two separate charges for the same amount which is {$400.00}. I believe it is an attempt to keep this debt on my credit report because there are two separate dates, one for XX/XX/2015 and another for XX/XX/2015. I requested that they provide the original agreement and proof of debt, if not for it to be removed and for them submit in writing to me, that this is my debt and to show me the original bill. They have failed to provide me with this information and XXXX closed my dispute stating that it is accurate. This is not what I asked in my written letter, I am stating that I do not have a duplicate charge for {$400.00} at this facility and would like for them to remove the negative remark that is there. I do not think it is right to have inaccurate information on someone's credit report, especially when I have made it clear to TeleRecovery and XXXX, that this information has been reported inaccurately on my credit report and both refuse to fix the error. There is no way I physically made two separate charges for {$400.00} at XXXX XXXX XXXX and the information needs to have the correct date if I owe this debt.
Consumer complaint received 2016-06-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ProCollect, Inc. (MI)

A collection from my former place of residence has been placed with ProCollect. I have a Police Report as well as copies of stolen payment that were provided to ProCollect via regular mail and email to the representative that has continued to call my cell phone and try and contact me wanting payment for a debt that is invalid and they refuse to provide documentation for. 
A copy of a police report, as well as copies of the stolen XXXX XXXX payments, were mailed to this company. After being told by a XXXX XXXX that this documentation was not received and I should email it, I did that as well. Given that I am still receiving bills for {$830.00} in the mail and phone calls, this company clearly has not taken any action other than ignoring the documentation that was provided. 
I do n't appreciate the phone calls. I do n't appreciate the complete lack of documentation that this company has been able to provide regarding validating the debt. I especially do n't appreciate the fact that I have sent personal documents on two separate occasions and this company has yet to acknowledge that they even received them.
Consumer complaint received 2016-09-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: First Credit Services Inc. (IL)

Company called me first week of XXXX, stated I owed a debt. I requested them send me written verification of debt. They stated that they have but, to a different address. I updated my address with them and I have n't recieved any letter verifying debt. They called me today XXXX/XXXX/2016 asking me to payou, I stated I have n't recieved any mail in reference to the debt. I then provided my email to speed up the process, I havent recieved an email from the company to verify the debt. I called the number that called me and was told by a gentleman that he was not handling the case and I needed to call back in 30 minutes.
Consumer complaint received 2016-06-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (WA)

I do not owe this debt of {$26.00} that I keep getting bills for and now I have received a collection notice where my credit is perfect. This is an illegal attempt to take my money.
Consumer complaint received 2022-02-08
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. (GA)

To Whom it may concern. I am submitting this complaint on my own there is no third party involved. I checked my credit report and i saw i had some fraudulent items on my report. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything i did. Im unaware of any of this. Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S.C. 1681c-2. Please see attached FTC report.
Consumer complaint received 2018-11-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BANK OF AMERICA N, A. Today how true it's become, there's nothing in the Laws of Protecting the consumers with home mortgages during only the choices of the lenders and the servicer decision and times of transfer. There seems only question How BANK of AMERICA can walk away after 15 yrs of paying them on time, monthly in full, and year to date. I have been set up to be forced into a unnecessary fore closer of BANK of AMERICA choice of timing to sell my loan, Since this has become to be a dog eat dog situation now without understanding how this is all possible with ( NOT ) having My original loan documents in hand to understand, If the truth of increases of payment are TRUE, Today,? I smell a big FAT HUNGRY RAT here.? With the viewing of there last statement at the end of XX/XX/2018 there statement reads my Interest only loan is over XX/XX/XXXX and also within my terms of my loan, ( IV'E STILL BEEN DECLINED ) in asking for a copy? Also in the terms of My loan the interest rate stayed the same for a period of a year So let 's add 1.25 % to My XXXX interest rate and make it 5.25 % also effective XX/XX/XXXX..that might also increase the payment, ( YOU THINK ) it doesn't take rocket scientist to explain with paying interest only for the past yrs and adding a higher interest rate with Of coarse Principle also on XX/XX/XXXX your NEW grand total DUE AS your Monthly payment went from affordable yes maybe if i was working at this time, TO GOOD LUCK BETTER FIND A JOB LOSER YOUR payment are NOT GOING TO BE AFFORDABLE NOW AT XXXX.. So loser thats paid B OF A as on time, monthly for 15 yrs, calls to say I need help B of A? Send the forms, print them from On line as available, Sure the next day I do .Wait for answer, nothing in there, system, send again,, THE LETTER CAME, there walking papers of saying your loan has been sold, transfered, as of the most exciting day of XX/XX/XXXX,? ( loser ) is right NOW WITH DOG EAT DOG, Iv'e been thrown out to Have the XXXX Basically finish me off with biting my head off as been forced to pay the {$3700.00} new payment as late with running to understand how this has? yes TRUE sending me a late payment AND saying know they haven't received a payment for XXXX thats cleared as my bank tells me today has,????? new letter today says i owe them for two months here WE GO {$7600.00} IN TWO DAYS THATS WITH LATE FEES INCLUDED THANK XXXX,? SURE NO PROBLEM, is THIS REALLY THE WAY THE BANKING WORLD HELPS TODAY, YES ALL TRUE, Thank you XXXX XXXX ( LOSER ) watcha going to do now, THERES NO LAWS TO PROTECT YOU? Intention of B of A UNNECESSARY RELATION OF UNNECESSARY FORE CLOSER TO PROFIT OF MY CONTACTING FOR HELP TO BAIL OUT AND WALK?