davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (FL)

I sent my mortgage company an email asking them to send me a written explanation of there second escrow bill. They did not want to respond to me by email and told me to call. My issue is I received an escrow bill in XXXX for {$6400.00}. After I had issues with the bank applying my escrow payment I made a complaint here with you. Finally mid XXXX I got my escrow lowered. However, XXXX  sent me anew escrow shortage bill and it does not add up to what they initially sent in XXXX. To explain I sent a shortage payment in XXXX of XXXX but was charged the full XXXX Mortgage payment in XXXX which covered the escrow shortage of XXXX which equaled a total payment to my escrow of {$6300.00} leaving a balance of XXXX. With that said the bank sent me a new escrow shortage bill of XXXX. Not only did they increase the shortage but the statement shows an increase from the initial statement in XXXX for the escrow/ impound. The first statement show the escrow/impound at XXXX and now on the new statement it shows it at XXXX. I dont understand why the numbers changed and now Im paying more then was stated in XXXX.
Consumer complaint received 2020-05-04
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. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

DP OF EDUC XXXX {$12000.00} XXXX XXXX {$4000.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$200.00}
Consumer complaint received 2020-05-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (SC)

Our former mortgage company was XXXX XXXX. They sold shell point mortgage our loan. We had been on a payment plan with XXXX was caught up. I missed our XXXX payment to Shell Point due to me getting sick. I was completely bedridden between XXXX until XXXX. After 9 ER trips I was finally hospitalized on XXXX the XXXX I got diagnosed with XXXX XXXX. After treatment started I have started on a long recovery ahead of me. We got a letter from a lawyers office from the court on foreclosure process. We tried getting in touch with the mortgage company with no luck our point of contact keeps changing. I got ahold of the lawyers office and they stated they would try and get someone to contact us with no help still. Got a letter from the mortgage company stating they would take an amount to reinstate the loan so called to pay it. After 3 hours of trying to get our point of contact got ahold of him. He took my payments info and said we were good. Then he put me on hold and after coming back on the phone he said we would have to wait on another letter for the full reinstatement amount? Time is ticking away for foreclosure.
Consumer complaint received 2019-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2018 XXXX from XXXX XXXX XXXX XXXX XXXX ( Asset Recovery Department ) called and left a voicemail about my checking account. I returned her call on XX/XX/XXXX and I agreed to pay the balance in full, and XXXX assured me that it would NOT go on my credit. She said I paid it just in time, before it was charged off. She said it was going to charge off on the XXXX. I got my credit report in XXXX and saw that the account had charged off with a " XXXX   '' balance. I processed a dispute with all three credit bureaus, and they all came back as " confirmed ''. I called XXXX XXXX to speak with XXXX again and she did not fully remember our conversation and did not put adequate notes in the system to verify our conversation. She said I should write a letter to quality control, which i did. But i feel taken of, and i feel that i did everything I was told, but XXXX XXXX was deceitful ( XXXX ). I do not want this to affect my credit, because i was told that it wouldn't. I also did not have the money to pay it in full, but did so anyway to prevent any issues with my credit. Please Help!
Consumer complaint received 2020-05-04
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT FILE BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2021-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WorldRemit Corp. (AZ)

I called my bank and let them know that my card was missing so i filed a dispute onXX/XX/2021 from several charges appering on my online bank account so i got my money back. I recieved couple of letters stating that they investigated and that the charges where incorrect and that tha credit they gave me back was know permanent so everything good till that point so i received another letter saying that charges were correct from certain company and that they were going to take back my money so know my bank account is overdrawn by almost XXXX dlls. The confusing part is if i had reported my card lost and the same day the transsaction was made wich was on XX/XX/2021all the other were made as well so the other charges they said they were incorrect exept the charges from one company that cant be right if all charges were made same day then is obiosly i did not make or authorize this payments the company name is world remit and my banks name is chase..
Consumer complaint received 2021-05-21
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CITIBANK, N.A. (PA)

I sent MACYS/XXXX multiple certified and notarized dispute letter with no response. MACYS/XXXX has violated 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. MACYS/DSNB has been willful noncompliance and in violation of 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. MACYS/XXXX has oppress me by allowing this collection to be on my account stopping me from receiving services and goods. Also harming my reputation by dropping my credit score.
Consumer complaint received 2024-09-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TN)

I've had to chime account since XXXX and it sat idle until XXXX of this year and I started using it again then I was incarcerated on XX/XX/XXXX and there was a bunch of fraudulent charges made so I tried to dispute them through the app and it would not allow me so I had to go through customer service which was a nightmare and they just kept telling me that my account was being closed due to fraudulent charges but when I tried to dispute them through the app it wouldn't let me and it took me forever to get them to transfer me to somebody who would dispute them finally they told me that it would take up to a week maybe more for them to come to a resolution well I checked this evening and they had decided that all the fraudulent charges were not incorrect even though I was incarcerated. They never asked for any proof of my incarceration they never asked me anything except for was my card stolen or lost and I told them yes but apparently over XXXX transactions that are totaling {$200.00} or more that were made while I was in jail or not fraudulent to chime.
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

XXXX XXXX XXXX ; This is unbelievable and it's been over 90-120 days and I'm not sure what's going on. Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (CA)

I always used my XXXX XXXX XXXX card from Barclays Bank and purchased an airline ticket in XX/XX/year>, looking at the reservation a few days later I found out I couldnt access my purchase or reservation made with XXXX XXXX, a called Barclays and told me the money has been withdrawn by XXXX, after calling the airline company XXXX they couldnt find a payment made on my name, I insisted and open various cases with them and Barclays, in the XXXX Barclays give the benefit of the doubt to XXXX, the airline company never reached to me by email concerning the disappearance of my purchase and I was charged XXXX usd for a trip that Ive purchased.
Consumer complaint received 2020-10-07
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. (FL)

THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT XXXX HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.
Consumer complaint received 2020-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX  and Transunion are fraudulent on my following accounts : XXXX is fraudulent on my credit Account # XXXX. 
XXXX/XXXX  is fraudulent on my credit Account # XXXX. XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX. XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXXXXXX XXXX XXXX, XXXX is fraudulent on my credit Account # XXXX. 
XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Consumer complaint received 2020-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

This is my second dispute to remove this inaccurate information from my credit report. These collections company are claiming I have an account with them or I owe them something. I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with them. Also, because they are a 3rd party collector, they have no permission to furnish any information on my credit report in the first place. The law states that before they collect any information about me, they have to get my authorization to access my credit report for any reason. They didnt do that first, and theres no way I would ever give a slimy collection company permission to slander me on my credit reports.
Consumer complaint received 2020-10-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY (CA)

I apply for credit to buy-new tv on line whit XXXX electronics on XX/XX/XXXX. I received my tv after abat a week at my address the company that finance my tv was TD bank I call to set up a automatically payment from my bank account and for some reason they put wrong bank account information. After 2 months that I dont see any transaction for that account I set up payments whit my bank to have my bank send the payment to TD bank but by then TD bank was generated late fees because the wrong information.after that I decided to close my account and pay off my balance, but I still have a problem whit them and I still receiving letters about the account that they have on file. I call this number XXXX XXXX and they put me on hold for hours total balace was {$670.00} my bank send 4 payments of {$40.00} and 1 of {$520.00} total {$680.00} and I still receiving bills to my address for unpaid balance. Thanks very much in advance for your help
Consumer complaint received 2022-07-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

This complaint stems from a previous CFPB complaint filed on XX/XX/XXXX ( # XXXX ). Wakefield and Associates previously returned these accounts to their client after not verifying the debt and sending the alleged debts to credit reporting agencies. Now, Wakefield and Associates is attempting to recollect on these same debts, as well as other alleged debts that have been disputed with their client. The following are the dates, times, and employees ( when applicable ) I've spoken with over the course of the past XXXX years trying to resolve these alleged debts : XXXX XX/XX/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 I have been told repeated by both XXXX billing and their local office administrator that this is being investigated and they'll get back to me. Each time, no further communication is had unless I call to inquire about the status. I am asking that Wakefield & Associates either verify this debt and provide the supporting documentation that was requested in a demand letter sent to them, dated XX/XX/XXXX, or they drop and return these charges indefinitely. 

Their continued attempt to collect on debts that were previously unverified and returned is harassment.
Consumer complaint received 2021-03-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (MD)

On XX/XX/2021 I received an alert that a collection hit my XXXX  and XXXX reports from Southwest Credit Systems. I have not received any previous communication at ALL regarding this amount due. I have sent written requests to this collection agency that has not been responded to. Also, they are reporting a balance of {$330.00} to XXXX  and {$190.00} to XXXX. I believe I have given this company enough time to provide information showing how they calculated what they say I owe and to provide copies of paperwork showing I agreed to pay them anything. 

Please remove this from my credit reports immediately.
Consumer complaint received 2022-01-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA (PA)

My name is XXXX XXXX my account # with Hyandai financial is # XXXX Hyandai fiance violated SCRA I have on several occasions called Hyundai financial to ask for assistance. I have unfortunately been a victim of identity theft. This effected my ability to pay for my bills. I tried to coordinate with hyandai financial so I could utilize my identity theft insurance. This would have covered my car payments. Unfortunately this never happened. When a customer is late your system automatically directs them collection department. I was never asked to send over my Court order and or police report. Even when I asked for a fax number so I could send the documents over. The collection department does not provide customer service. When I requested help I was repeatedly asked for my card number to pay the bill. Due to the identity theft unfortunately a lean/ Writ was placed on my checking accounts. The lean/writ were recently removed from my accounts on XX/XX/2022 due to my court order. This was the reason we had issues with paying the bill. Hyandai financial wronggully repossessed my car while we are also covered by SCRA. Hyandai did not obtain a court order to obtain my vehicle. The town truck company came on my mothers private property to repossess the car. have provided my husband 's the orders below. He's been XXXX due to COVID-19. He's also XXXX, although our SCRA coverage is active 90 days before active status and 180 days afterwards. Please contact me at ( XXXX ) XXXX.
Consumer complaint received 2023-06-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (WA)

I had fraud on my navy federal checking account. The fraud wasb carried out thru XXXX. which is what i thought a safe and widely used way to send receive money which exposes. Your account numbers. The fraudsters used these numbers given by me thru plaid to steal like XXXX from my account. As soon as i noticed i contacred navy federal and was able to stop some of the transfers. I did everything possible to prevent and stop any further damage to account. Navy federal refunded me my money then a month later on payday nfcu took all of my pay check without any warning to me. Nfcu some how denied my fdic insuramce on my money. Which was not my fault. Very dirty customer service. I closed my account. I believe navy federal owes me my fdic insured money back to me.. further actions will be taken if i dont reveive my money they stole from me.
Consumer complaint received 2022-12-13
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. (PA)

I have attempted to have the fraud alert removed from all 3 of my reports and have yet to see the removal. I have called and mailed several letters and I have been delayed funding due to this problem. I need this removed immediately.
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MA)

Since XXXX the credit bureaus are not updating my credit correctly, even do the creditors are saying they are reporting them. the only thing that show is the hard inquiry but never the approved loans and the payments, in attach is a letter from XXXX XXXX XXXX XXXX dated on XX/XX/XXXX that all information is being reported but in effect my credit reports do not reflect the reality of the case. I'm being punished on my credit score and my chances to get good rates on financing because of this issue.