davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TRUIST FINANCIAL CORPORATION (IL)

When i had my car loan i fell on bad times during covid. I did a covid relief extension and was approved. It was explained to me that the months that they are excusing because of covid will be placed on the back of the loan so when the extension is over i would only have to pay XXXX month as opposed to all of the months that was moved. When that time came, I was ordered to pay thousands of dollars and they refused to honor what they agreed to do. I went back and forth with the company for months before they reported my loan as a collection and later reported it as charge off as bad debt and charged off as a loss in XXXX. There was never an attempt to reposes the vehicle nor was there any paperwork saying that was the plan. I called all the time to try and find a resolution and they stopped returning my calls. Fast forward to XXXX of XXXX i woke up and noticed my car was not in the driveway. I immediately called the police to report my car stolen just to be notified by the police that my car was repossessed. I called regional acceptance and they told me that they car was not repossessed and they don't know what happened to it. They told me never tried to take the vehicle. They also informed me that I should take it up with the credit bureaus and get the account removed from my credit. I contacted all XXXX bureaus and they all removed them except for XXXX. The account was closed in XXXX and for some reason Regional acceptance decided to update the balance of the account and decrease it by $ XXXX and say that the last payment was made it XXXX of XXXX which was a lie. It seems as though they did that to shut me up after I made multiple disputes but it also was done maliciously. This company stole my car and sold it. Repossessed it and did not report that it has been repossessed to the credit bureaus. I am asking that this account be removed my from credit immediately and i demand paperwork proving that they notified me of the repossession and that they notified me of the sale of the car.
Consumer complaint received 2022-08-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NV)

I have contacted PennyMac at XXXX am PT on XX/XX/XXXX and spoke with XXXX ( she refused to provide her last name or employee # ) inquiring about the full information of escrow account from XXXX. 

During the conversation, I realized that there was a discrepancy in the escrow payment information, I requested her to provide the most updated escrow information and mail to me. 

She said that I have no right to ask that service. She suggested me to go on their website and retrieve it from it. 

I had already checked before calling PennyMac - Their website doesn't provide the full history of escrow account information.
Consumer complaint received 2022-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Ive tried to resolving these accounts t thats reporting false information. A collection was recently deleted off my reports in XXXX. A new company named : XXXX XXXX  or XXXX XXXX XXXXreinserted this deleted account a week later without my knowledge. According to fcra section 611 ( a ) ( 1 ) ( A ) a debt collector must notify a consumer in writing within five days of their initial communication that they are attempting to collect a debt. Ive never received any notification which is a violation of my rights. Also according to fcra section 611 ( a ) ( 5 ) the debt collector must provide a consumer with an opportunity to dispute the debt within 30 days of receiving initial notice. Ive never been awarded that opportunity to dispute this already deleted account. This is a blatant violation of my rights. It also looks like they are reporting this as a new account. My credit scores have been effected dramatically. 
This may not be my account. I never opened this account. I think someone used my SSN XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX is the name of this collection agency who is batantly violating my rights. XXXX and TransUnion are reporting this account The account was purchased from XXXX XXXX XXXX in XX/XX/2023 Original creditor is XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-23
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: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022, I purchased one pair of shoes while on vacation in XXXX XXXX from a store called XXXX XXXX. The cost was XXXX XXXX pesos, which converted to XXXX {$72.00}. The vendor ran my credit card twice for the same purchase without my approval/knowledge. When I returned to the XXXX a couple of days later, I had a fraud alert from Chase XXXX saying it looks like I had a double charge. I contacted Chase and disputed one of the charges and on XX/XX/2022, they reversed one of the charges and rate adjustment fee. Over a month later, I received a letter from Chase telling me the XXXX shoe store had provided information that both charges were legitimate. On XX/XX/2022, Chase added the charge back to my account. I went to my Chase branch in person on XX/XX/XXXX to dispute that charge. I asked them to send me the documentation provided by the vendor. The paperwork they sent me shows the XXXX store provided two credit card receipts for the same exact amount. ONLY ONE OF THE RECEIPTS WAS SIGNED. 
I called Chase on XX/XX/2022 and was told that because the credit card had been used in person, actually run through an on-site processing terminal, even though I didnt sign both receipts, I was still obligated to the charges just because they had had my actual card to run through the processing terminal. Chase blamed XXXX, said it was their call and Chase could do nothing and I had no recourse. I asked for contact information for XXXX and Chase refused to provide it. 
I can not contact the XXXX shoe store as I dont have their contact info and nothing with their name comes up on XXXX or through any other search. I sent an email to the XXXX XXXX XXXX in XXXX asking if they have contact info on the vendor but they have not responded. Chase said they had no contact info for the vendor. 
It is so obvious this is a scam ; I am incredulous that Chase and XXXX are giving me this run-around. I want a refund of the fraudulent charge of XXXX {$72.00} plus the rate adjustment fee. 
The Chase Claim number is XXXX. 
Thank you.
Consumer complaint received 2022-09-20
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. (SC)

In accordance with the fair credit reporting act the following account have violated my rights 15 u.s.c 1681 section 602 A states i have the right to privacy 15 u.s.c 1681 section 2 it states a consumer reporting agency can not furnish a account without written instructions XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Acct # XXXX, Acct # XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX # XXXX XXXX, SC XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-20
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)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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
Consumer complaint received 2022-12-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (TX)

Good Day Everyone, I had a forbearance for my mortage during the pandemic because my health was compromised and could not work.

However, when the forbearance ended, Freedom mortage waited until the interest rates went up before they removed me from the foreberance. 

My forbearance ended in XX/XX/XXXX, they waited till XX/XX/XXXX before they finalized me back into the system with the highest interest rates ever. 

I was supposed to be paying between {$1200.00} to {$1400.00} with low interest rates but they waited until it went up to {$1600.00} before they brought the paperwork for me to sign. They purposely withheld the low interest rates paperwork for about 7 months. 

I called every XXXX weeks and they kept giving me the run around saying my name was incorrect on a paper work to sign. 

They stated that the low interest paperwork was handled by a XXXX party company and they can not do anything about it. That was almost 7 months of waiting. 

However, when the mortage interest rates skyrocketed by XXXX XXXX, in less than a week of them calling me about it, they delivered the paperwork via XXXX  to my door and sent in their own payed XXXX XXXX come to house to ensure I sign their high interest rates.

I believe this was done on purpose to make sure they keep me on high interest paying rates.

2. Another thing they did was that they refused to grant me access to my mortage equity. 
My equity grew during the pandemic, and I wanted to acess it, the mortage officer assigned to me stopped answering my calls and emails and never gave me a reason why I could not acess it. 



XXXX. The XXXX thing is that they they have a negative missed payment ( XX/XX/XXXX ) on my credit history. That single act have kept my for my credit scores low since XXXX. I have never missed a payment but they have that on there. 

This company called XXXX XXXX have done this things to me and made my life hard. 

Thank you. 

XXXX.
Consumer complaint received 2022-09-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (ID)

Someone in XXXX was selling a concert ticket. I offered to buy it and he wanted {$100.00}. I sent him the {$100.00} through the money transfer app XXXX. After this his number went out of service and he deleted his account. The charge was pending for three days because it was XXXX XXXX weekend, XX/XX/XXXX. I disputed the charge with my bank and when XX/XX/XXXX came around it went through anyway, my bank ( Wells Fargo ) says there is nothing they can do. They also are not able to tell me the bank of the person who scammed me.
Consumer complaint received 2024-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

This is in direct relation to my now closed complaint against XXXX ( XXXX ), as they refused to talk to me directly or assist in resolving this issue whatsoever and the CFPB subsequently closed that complaint after they provided them with false information regarding a response I've yet to receive from them directly. Apparently I have to now file the same complaint directly against USAA then hope XXXX will update their records accordingly quickly out of the kindness of their hearts so our family can financially recover one day.
Consumer complaint received 2022-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (MO)

I have an account with Current Bank. Ive had the account as my sole and only bank account for last two and a half years with no issue. Until someone fraudulently gained access to my account on XX/XX/22 and drained what was in it, and knocked it into the negative. They changed all of account information to their own, locked me out of my account, moved my money from my savings to my checking, and made two transactions at XXXX, ( {$320.00} & {$100.00} ) and XXXX XXXX {$15.00} ) in a city that Ive never been to in Florida. I live in XXXX XXXX, MO. The bank, ( Current ) had to change all of my information back to my own, and get me back into my account. They have all of the persons information that did this, including their email address and the home address, and phone number. None of the charges are indicative of my usual spending habits, nor were they made in the city and state that I live in. I gave them information from the merchant and other corresponding evidence for the fraudulent charges and they closed the dispute in nine days, stating that I had no grounds for a dispute. Current did not do any type of investigating and they didnt lock my account because the hacker ( s ) still had access to it And added my new card under their XXXX XXXX I let the bank know this and they did nothing to protect me. They have no phone number to reach them at, you can only leave voice messages and pray that someone gets back to you. They have stopped responding altogether since the dispute was deemed invalid and wont answer any correspondence from me at all. Ive reached out to their parent bank, XXXX XXXX and they sent me over to Current so again, said there is nothing they do besides an appeal. But when I inquired about the appeal information they stopped responding. That was four days ago and Ive heard nothing from them. Ive reached out to the XXXX  as well too investigate their business practices as a whole. I just want help and to be treated like a human being. I live paycheck to paycheck and those events put me back drastically. Its very insulting that after all of that, the bank added another layer of insult and refuses to acknowledge the fraud, in the face of irrefutable evidence, and return my monies that were stolen from me.
Consumer complaint received 2023-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (OR)

Regarding XXXX XXXX XXXX  on mobile phone cancelled XX/XX/XXXX. Called and chat XXXX XXXX to canceled insurance on mobile phone. Dispute charge with chase on XX/XX/XXXX and reverse the charge after a month. I went to chase branch and have them talked to fraud department in XXXX? But never refunded. No response from chase. Went back to chase branch and banker called XXXX sevrify, request for refund. Nothing happen after 10 days or so. No refund of {$240.00} sonce first attemp on XX/XX/XXXX. 

In addition, i even changed my debit card number for security purpose because there XXXX un recognized charges and after i sent back old XXXX XXXX XXXX XXXX for an exchage with new XXXX XXXX XXXX XXXX charged me {$750.00} and Even after I changed my Debit card number due to fraud chages before, Chase paid my {$750.00}. I had to investigate and i had to present XXXX all the proof. Good thing i took all the pictures of mobile phone, tracking record and insurance. Finally i was able to get money back. However Chase allowed charges from XXXX and just paid even it is fraud transaction. XXXX should never charge {$750.00} and Chase paid even after i got reissued debit card with number changed due to fraud charges before. 

Chase has paid several times to fraud chages and some of them were difficult to get money back from chase. On the other had Chase has blocked my card for some occasions when it was legitimate charges. When they do that i had to call chase to correct. Mean time when they do with at hotel check in or making reservations and travaeling, it really causes a lot of problems. 

Money got short so i had to sell my stocks. 

I see that when chase has out sourse to like XXXX, XXXX? I often experience many problems. For example, lock out my online banking access and in order to unlock, i have to call chase and goes to XXXX etc. To unlock my online banking to access my checking account. Unless i unlock i am not able to access my JPMORGAN investments. 
I wish all thr XXXX banks would not out sourse outside of united states on XXXX customers. Personal information gets out to foreign country and it is not safe. 
I need to have Chase reverse the charge immediately or send me a check for {$240.00}. Asap by XXXX XXXX XXXX 
I do not want to hear any excusese from Chase. 

Note. Chase XXXX XXXX and bankers were very professional and courteous and tried hard to resolve this issues at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. 

I strongly believe management issue that outsourcing to overseas for us customers.
Consumer complaint received 2022-09-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VT)

We have an escrow account with our mortgage company, Mr Cooper, to pay insurance and taxes. We received a letter from the city on XX/XX/2022 that the property taxes are overdue. We went to the city in person and they confirmed that they never received the property tax payment of {$4400.00} by looking at their electronic payment records and checks. To avoid further penalties we paid the property tax in person. 
When we checked our account with the mortgage company 's website it said that the property taxes were paid XX/XX/2022. 
On XX/XX/2022 we contacted the mortgage company via phone to file the complaint of the missing payment. They promised to get back to us within a week with an explanation. We never received a call with an explanation. 
On XX/XX/2022, we filed a notice of error through the mortgage company 's error center. 
On XX/XX/2022, we received a message that issue was forwarded to mortgage company 's Tax Department for completion of investigation on disbursed amount on XX/XX/2022. 
We have never received an explanation or notice, neither has the escrow account been corrected.
Consumer complaint received 2022-08-13
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. (TX)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Consumer complaint received 2022-08-13
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: Bread Financial Holdings, Inc. (FL)

During 2021 I received a monthly statement for my Comenity Bank VISA card that showed a {$290.00} charge I did not authorize. I called the bank to report this unknown charge and was told to send a written dispute. I wrote a dispute letter and received a letter saying that a merchant who had my card number submitted the charge for a recurring membership fee. I don't want or need this membership and I called the merchant. They cancelled my membership, but prorated their refund because it took the bank 3 months to respond to my dispute. I again wrote to the bank saying that I raised the issue of an unauthorized charge as soon as I first saw it on my statement and I am not paying for it. Now, a year later, the bank is still sending me daily phone messages asking for payment. I have written them saying that I am not obligated to pay since they ignored my initial report of this charge not authorized by me and instead they paid the merchant.