davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (MD)

I was contacted by my bank, Chime, around XX/XX/XXXX in regards to my name not matching with what the IRS had on file and that I should provide them with a W-9 form as well as my drivers license. I provided them with the documentation a day or two after I received the notice via the secured link they have sent me over email. I contacted the bank later on that week to confirm that they have received the documentation. Customer service took a look at the documents but requested that I re-submit the documents again over the new secured link they provided. While I was on the phone with them, I did such and the representative, XXXX at Chime said that she escalated the issue to the internal protection team and that they were going to contact me over email to update me with my case. In case I do not hear from them, they can be reached at XXXX. I did not hear back from them and I went ahead to contact them over email. The first representative that got back to me responded with an automated message that suggested I submit the documents ( w-9 form and drivers license ) AGAIN prior having my account back in good standing. I angrily did so and waited for them to get back to me within the four allotted hours they mentioned. A day later I received the same email but from another representative, I decided to reply back to the email as it stated such hoping Ill have a direct response from a representative, but I kept getting the same email over and over again from a different team member. I contacted the customer service team again via the app and provided again the same documents even though I just wanted them to confirm my account was back in good standing and that it wouldnt be suspended, they told me thats something the internal protection team will have to confirm because it is outside their jurisdiction, but since I provided the documents, I should hear back from them. I didnt hear back from anyone until these days. I am a XXXX who works in the middle of the ocean every other month and travelling constantly. They suspended my account yesterday and I have been making lengthy phone calls with no response back. The last representative I spoke with yesterday asked again my documents and I did provide those to them, and she said the internal protection will get back to me within an hour as she escalated the issue, I still havent heard from them. Im out here with no cash money and using my credit cards. Any assistance would be extremely appreciated.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Discovered identity theft last year. got letters in the mail went to the local police department ( XXXX XXXX ) in XXXX.. i still have one of the reports on my credit that is not mine i contacted the the original creditor said they verified it with a public record anyone can obtain that information
Consumer complaint received 2023-11-30
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (CA)

Subject : Urgent Request for Immediate Removal of Paid Collection Account I hope this message finds you well. I am writing to bring to your attention the urgent matter of the collection entry on my credit report related to account XXXX. I want to emphasize that this account has been fully settled and paid in full. Given that this account has been resolved, I kindly request that you take immediate action to remove this entry from my credit report.

According to the Fair Credit Reporting Act, Section 609 a ) 1 ) A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX
Consumer complaint received 2023-11-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (IL)

I sent my notice to rescind a car loan I entered into with XXXX Nissan XXXX on XX/XX/XXXX through USPS certified mail after coming across some information given to me from my attorney. In the TILA ( Truth In Lending Act ) I noticed that the dealership did not even mention the TILA to me and my rights available to me in TILA act. I also was told by the dealer that the financial institution that let me extend a line of credit through there establishment REQUIRED me to put down a downpayment for THEM ( FINANCIAL INSTITUTION ) would approve me to leave with the car. That was not the case, the car was paid for in full by the line of credit i extended and the XXXX $ i put down was my absolute last and i paid it because i believed the dealership was being 100 % with me. There are plenty of errors in the contract on top of no disclosure and aggressive sales tactics to get you to sign the contracts. My financed amount doesn't even add up right in my itemized financed amounts. I have yet to receive my money and or property that I have given in connection with this transaction. 

1026.23 ( b ) ( 2 ) ( 2 ) Within 20 calendar days after receipt of a notice of rescission, the creditor shall return any money or property that has been given to anyone in connection with the transaction and shall take any action necessary to reflect the termination of the security interest.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: World Acceptance Corporation (TX)

I have not liable for the debt with XXXX XXXXXXXX XXXX XXXXXXXX and WORLD ACCEPTANCE - G I do not have a contract with WORLD ACCEPTANCE - G or XXXX XXXXXXXX XXXX XXXXXXXX and i was not provided with the original contract as requested
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX has reported inaccurate information to Transuion which has been placed on my consumer report. I have tried to get in touch with XXXX XXXX XXXX XXXX to dispute this matter and they have been deliberately unresponsive. I have made a CFPB complaint and a FTC complaint in which I have been told that they can not reach the company as well. I have also made a complaint with the XXXX in which they also have responded by informing me that XXXX XXXX XXXX XXXX has refused to respond to their request to settle this matter I have all the items to show proof of my attempts to reach this company. I have more then twice got in touch with TransUnion to delete this inaccurate information and provide me with permissible purpose, and to provide me with relevant information from their reinvestigation that can prove that XXXX XXXX XXXX XXXX was given permission from me. I ask them to provide me with the proper relevant information under USC 1681i and all I have been given is a letter that say the item is verified. I am clearly ask for them to provide : who did they reach out to? How did they reach the so Called person what documents do they have that shows time, and dates of the request for the company to respond to their so called reinvestigation? Transuion has token upon their self to disregard the laws set in place to protect consumers. They have taken time away from work from me work and caused me stress. And I need for them to remove this item from my report immediately. It is clear that permissible purpose can not be provided. It is clear that XXXX XXXX XXXX XXXX has not responded. I ask that Transuion does what is right and follow the laws set in place, and not act as if they are above the law.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Block, Inc. (TN)

Since XX/XX/2021 my account and cash app and services have all been hacked! Everything this is happened to me in the past Ive been trying to get my credit scores and accounts taken care of and again this happened to me!!! I need help bad please
Consumer complaint received 2023-11-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (OR)

I have been working with the Zell fraud department regarding some fraudulent activity on my account. I have never authorize Zelle to take any money from my account, but in working with the Zelle department to stop fraud on my account, they said, due to a quirk in their systems it accidentally XXXX money from my account repeatedly when it was not supposed to, and now they are claiming that they are not able to return the money for a bunch of reasons, and are keeping demanding that I follow their protocols which had yet to refund me any money I have lost over {$15000.00} and time at work over this XXXX
Consumer complaint received 2023-11-30
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

I have communicated with my loan servicer regarding my CARES Act forbearance for my VA loan. However, PennyMac is not offering me the loss mitigation solutions for the missed payments to VA mortgage borrowers under the COVID-19 CARES Act protections. 

PennyMac Communication Log : 1, XX/XX/XXXX : Customer Service Outcome : Advised of new increased payment plan 2, XX/XX/XXXX : Partial Claim Rep. 
Outcome : 1 payment plan offered, advised that the VA Partial Claim option it not available to me. 

Thank You
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (RI)

In XXXX I opened a XXXX credit card. And XXXX i defaulted on that credit card. The three major credit bureaus conveniently do not show any historical data from XXXX or XXXX. This account should have been removed from my credit report already. I have repeatedly asked for that information and no investigation has happened.
Consumer complaint received 2023-11-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TRUIST FINANCIAL CORPORATION (FL)

In XX/XX/2021 I purchased a home that needed the pipes lined and reached out to XXXX XXXX. They quoted me $ XXXX and suggested i use Service Finance Company to complete the job. I applied and was approved at a 6 % interest rate. During my application call the rep informed me that there was no early pay off penalty but these guys have made it impossible. On top of that i was diagnosed with XXXX XXXX XXXX XXXX and have been torn with paying off the loan faster or letting it go since its no easy way out my payment is like {$260.00} per month. I would like to make more aggressive payments. For example, $ XXXX which would reduce the balance and give me more time to gather funds. Their rep advised me that if i did submit that payment it would reduce the balance but it would only cover a billing cycle for XXXX and XXXX and my payment would still be due in XXXX. Now in a car loan scenario, this too would happen. the difference would be automatically shifted to the principle. BUT when the customer calls and says that this is what they want to happen, the bank makes the change. 

I find their practices to be predatory and deceptive
Consumer complaint received 2023-08-15
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

I deposited a payroll check into my bank account and it was put on a XXXX day fraud Hold. Ive tried yet contact my bank so they can call my employer to verify the check and theyre saying that theres nothing that I can do
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter.

Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

These are inquiries are Fraudulent and I don't recognize them : 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 2019-09-03
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2023-11-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (CA)

I had an auto loan with Wells Fargo Dealer Services, who have been sending me refunds since XX/XX/XXXX. My vehicle ended up being repossessed and I am just now searching and seeing that there have been lawsuits and damages. I just spoke with someone at Wells Fargo who gave me the amounts and dates of the checks that they have sent me but would not tell me how the amounts were calculated ( calling it 'proprietary information ' ) and would not send me anything in writing ( either email or regular mail ) the repossession of the vehicle and resulting damage to my credit, etc. caused me a tremendous amount of harm when it happened and I am now looking into if I am eligible for any additional compensation provided under the settlements or through separate legal action ( or the CFPB ). So far Wells Fargo has sent me checks amounting to about {$1000.00} ( individual check amounts ranging from $ XXXX {$630.00}, the most recent was {$7.00} and was just issued on XX/XX/XXXX.
Consumer complaint received 2019-09-13
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (PA)

Bayview bought my mortgage from XXXX XXXX who probably bought it from XXXX  XXXX, FHA, to a HAAMP agreement XXXX, and XXXX XXXX XXXX ( undisclosed servicer after multiple emails requesting who they're servicing for, finally informed me that the owner is XXXX XXXX and this is within days of their 4th postponed sheriff  sale XX/XX/XXXX. Also informed by XXXX XXXX, in writing that, XXXX XXXX does not need to report to credit bureau. Bayview listed " closed/ transferred '' They refused to honor my HAAMP from Bayview , no record of payments, so many fees that were accessed after sale, XXXX has multiple different responses. XXXX XXXX said my taxes are {$1700.00} behind, requested my haamp agreement from Bayview ( even though they refused to honor it prior with a lady that tried to squeeze {$27000.00} to keep the haamp, 6 % interest, {$500.00} more a month, pay my own taxes. My house was sold, regardless under Bayview, according to XXXX XXXX at XXXX XXXX XXXX, and then it would be sold to them at XXXX XXXX who stated thet often the deed/ note. I received paperwork today from XXXX   attorney, XXXX XXXX, trying to make me sign papers to cover their lack of any credit, fraudulent reporting, and inflated fees with no explanation, after sale, but sheriff sale for {$1700.00}. Sheriff department told me XXXX XXXX told then to serve me at my old address from 11 years ago, an apartment, that A TENANT, not landlord stated I moved out 6 months ago. XXXX is trying to cover the lost deed on my property and deceitfully cover a swapping festival of selling the loan to same company, different departments, that even XXXX County Courthouse recorder of deeds was shocked. No liens. Taxes paid. Bayview is fraudulent. XXXX XXXX  is fraudulent. XXXX XXXX XXXX are documented lying on behalf of XXXX, XXXX ( XXXX immediately before ).
Consumer complaint received 2019-09-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONTRACT CALLERS INC (AZ)

XXXX offered discount to XXXX  employees on non contract I switched for {$30.00} a month they never honored that price for they adjusted billing to what they offered Ifor approx 2/3 months then said they couldnt honor price they advertised very stressful and phone never worked this offer was emailed to employees approx XX/XX/XXXX phone never worked I returned it and used my own phone. I was promised account would be cleared for misrepresenting I disputed first collection and was taken off my report now have another collector coming after me says attorneys this account was horrible nightmare Im back with XXXX. False advertisement bad training of employees and false promises item never worked and they are charging a phone that I returned never worked. I left with manager that ran that store horrible service no training - checking data it will show phone connected was my own please help get these creditors and XXXX harassment my XXXX XXXX is bad enough harassment of collectors is taking its toll Thank you
Consumer complaint received 2023-11-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Onity Group Inc. (FL)

How is it fair business practice for a business to prolong an application process for their own financial gain and the consumer has no recourse? For the past four years I have been in the loan modification process with PHH Mortgage only to be forced into foreclosure or bankruptcy. During the past four years I have submitted every document requested ( approx 120-140 documents ) by PHH Mortgage during the loan modification process, all while being reassured by representatives that as long as the documents requested were submitted the loan would be reinstated. Only to be denied twice for reasons already known at the start of the loan modification process. Also, told by a representative that " We are not in the business of providing loan modifications '', but then told to resubmit a loan modification application for review. During this process I have incurred an additional {$25000.00} in fees/interest. I would understand if I did not submit the documents requested or cooperated with this process but I provided all documents requested in a timely manner. PHH Mortgage 's actions during this process was only for their financial gain with no intent of approving the loan modification. As a result of PHH mortgage prolonging this loan modification process, I can not secure a loan from any lender in order to satisfy the original loan that PHH Mortgage holds the note for. Which I believe was PHH Mortgage 's intentions in order to force me into foreclosure. Not only was i told by a representative that " We are not in the business of providing loan modifications '', the same representative also stated " He has enough equity in his hose why should we negotiate with him ''. How is that fair to me as the consumer who is trying everything possible to rectify this situation?
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

The request for this account was not responding for XXXX, i make a request to them about this account few months ago, and they couldnt validate this debt,,,,, please make sure XXXX sent everything about this account as FCRA says XXXX .. Law
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I would like to let you know that these accounts below have long been removed from the XXXX Credit report. These items were found to be placed incorrectly on my files by other credit consulting department and I needed immediate action of REMOVALS for all of them. 

XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX am fully aware that all credit consulting bureaus reports and gathers information to a specific creditor or furnishers of information per account. It just doesnt make sense to me why your department still furnishes these items that should already have been removed from my record. If communications were delivered accordingly, shouldnt they also be aware that these entries should have been long gone from my record, since XXXX no longer has it?