davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-28
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: Chime Financial Inc (TX)

Last year I had to cancel my card a few timea due to someone paying a light bill and phone bill from XXXX and XXXX XXXX I made a dispute with chime and they came back and said that there was no error on my account I asked to check for duplicate accounts because I have no accounts with either merchant and I did not authorize transaction. The institution said they will not give funds back because there was no error. So further down the year I had about 5 deposits over XXXX each in 5 months and I have multiple transactions and purchases that were sent to my phone unauthorized transactions as if someone has cloned my card using it as their own I filed a dispute the bank claim there is no error and they won't give me my money back which is a whipping total of XXXX I received a student loan of XXXX $ and it show paid on my XXXX but the funds never made it to my account and the money was taken the loan is showing my credit score already I contacted the bank and they declared that there was no error. Not to mention that I have been locked out of my online banking for almost 10 months and someone hacked the account making all of my deposits go strait to my cc card that I have with chime bank which is not how I set the account up. I have sent the same information to get bank into my account over 30 times receiving the same response and no progress of me getting back to my account but more money is coming up unaccounted for and the bank is still telling me there is no error or the transactions did not go through in which they did and some how the hacker has it to were it's not showing on the statement but I receive at text after the transaction has been approved asking if I approved the transaction there were maybe 2 out of many transactions I authorized but there were many over charges and extra charges from the same merchant that wasn't authorized over XXXX at a time there are all send to my phone with a confirmation number receipt of purchase from a town or state I've never been to.bill were being paid and multiple online accounts including XXXX and XXXX 's charged that went through and not shown on the statement but the money is missing and the bank is saying that there is no error and I won't me reimbursed. I know my money is protected by the FDIC and I have fallen behind on bills due to this situation mid point auto and XXXX XXXX who lives in XXXX Texas had access to my information after trying to purchase a vehicle these are all the transactions that appeared on my account and law enforcement is stating on camera that the car lot has infact " stolen my identity '' and has duplicated my card and is making all of these online purchases from out of state with XXXX XXXX from XXXX Texas. And was confirmed that she had access to all of my banking information please help me get my money back please
Consumer complaint received 2021-12-01
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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (PA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX with account number XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-08-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

Please see attached letter. 

I recently found out the unpaid principal balance for PHH Account Number was incorrect for the past 4 years after the discovery of an egregious error that would have never been found had I not challenged the HUD Claims that were advised would be included in The PHHMortgage Corporation Loan after completing a XX/XX/XXXX Loan Modification. The unpaid principal balance for the FHA PHH Mortgage Loan Account Number unpaid principal balance was over billed an additional {$21000.00} and PHH Mortgage received another {$21000.00} from HUD! I was grossly overcharged as I suspected! My original loan was {$240000.00} in XX/XX/XXXX. How do I owe $ XXXXand {$61000.00} totaling {$240000.00} as of XX/XX/XXXX? 

I received a letter dated XX/XX/XXXX from XXXX XXXX that states theunpaid principal balance for Account Number XXXX is now {$170000.00}. 

I previously received a letter dated XX/XX/XXXX from XXXX XXXX thatstated the unpaid principal balance for Account Number was {$170000.00}. 

I have also received multiple pay off notices : XX/XX/XXXX PAYOFF QUOTE valid through XX/XX/XXXX is {$180000.00}. 
XX/XX/XXXX PAYOFF QUOTE valid through XX/XX/XXXX is {$180000.00}. 
XX/XX/XXXX PAYOFF QUOTE valid through XX/XX/XXXX is {$270000.00}. 
XX/XX/XXXX PAYOFF QUOTE valid through XX/XX/XXXX is {$250000.00}. 

I have not received a detailed breakdown of every re-applied payment since XXXX through XX/XX/XXXX. There have been too many discrepancies and errors in how my loan modification and loan payments were calculated. I've received numerous calls from PHH Collections advising I owe various balances as high as {$79000.00} and misdirecting me to contact Relationship Managers who are inept in resolving the issue. I was also given direction to speak with a relationship manager for help with paying my loan balance even though I was not behind on my mortgage. 
I have paid my mortgage loan amount each and every month since XXXX. 
I wasdouble charged {$21000.00} in error and the interest PHH gained for those 4 years were not mentioned in the calculation of the new principal loan balance. I request for the HUD Partial Claims for {$40000.00} and {$21000.00} totaling {$61000.00} be paid by PHH Mortgage Corporation forthe egregious calculation errors and delays made by PHH Mortgage Services in the handling of both Loan Modification Agreements from XX/XX/XXXX and XX/XX/XXXX. 

I escalated this issue because I have not received a detailed breakdown of ALL reapplied mortgagepayments from XXXX to current date along with interest accrued from 4 years of being overcharged for the Principal Loan Amount from XXXX Loan Modification Agreement, double billed {$21000.00} and late charges billed that are included in the unpaid principal balance.
Consumer complaint received 2022-08-19
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX i made this clear for 60 days straight with XXXX  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 three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX 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 XXXX now XXXX XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2020-06-30
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. (TX)

THE ENCLOSED ACCOUNTS WERE FILED TO THE FTC ALL FCRA VIOLATIONS, OR AND FAIR DEBT VIOLATIONS XX/XX/XXXX Creditor Name XXXX XXXX  XXXX Account Type Credit Card Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$1000.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- XX/XX/XXXX Creditor Name XXXX   XXXX  XXXX  Account Type Charge Account Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$5700.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$1200.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$1200.00} Times 30/60/90 Days Late 5/3/6 Remarks Charged off account Last Reported XX/XX/XXXX Creditor Name XXXX XXXX Account Type Charge Account Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$130.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 1/0/0 Remarks --
Consumer complaint received 2023-03-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (AZ)

I opened this account with Chase after my auto accident, this money was my settlement check. then I moved to XXXX XXXX AZ to live on some land that I bought. This account is only used for day-to-day expenses. From the day I opened this account I have never been able to use the online app. could never get it to work. So could not look at my statements. Every month when I used the ATM " the only one in town. '' I would check my balance. on one such an occasion I noticed my account had gone from XXXX to XXXX real fast S I used my phone to check the past ten + transaction and found a few 800 transactions. I had not made any large transaction on this account. SO I called the bank to talk to the claims department. they opened a claim for the transaction in XXXX that they found they were all XXXX transactions I do not have an account with XXXX and the transaction where all from XXXX XXXX. SO after they looked at XXXX and part of XXXX, they put the claim in for XXXX I got that money back in less than two hours. but at this point they got another 12 ; out of my account and now my account was empty. With the help of the customer service people, I was able to get my online app to work. and was able to look at my statements. And found many more transaction in the month of XXXX. SO the claims rep. took a another look at XXXX and saw all the transactions and we submitted another claim these too where all XXXX XXXX all out of XXXX XXXX. the same XXXX transaction tags as the ones on the XXXX I got back. this claim came to XXXX and after a few days the claim was denied. I called back to find out what was going on and to get them to explain why one claim was OKed and the other one with the same XXXX transaction codes was not no one can. I have sense had a supervisor resubmit the claim as he did not understand either. Just theis morning I got a letter in my app stating that the claim was closed. and no money has been returned I am a senior citizen and need my money back, so I can get my meds and pay rent and eat. Can you help me? btw a simple XXXX search will show that this is happening all over and is a very bad scam. The XXXX ads that is.
Consumer complaint received 2021-07-15
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. (TN)

Inaccurate Information is reported under late payments with the company XXXX and a new account was open that's is not mine Name XXXX. 

Some of the late payments reported was during XXXX XXXX late payments should be removed from my account
Consumer complaint received 2021-12-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Received a notice about six weeks ago from Bank of America that there appeared to be fraudulent charges on my credit card. I did not recognize any of the dozen or so charges, and was told that they would all be investigated for fraud, that I would not be charged and that my credit card would be cancelled an a new one issued.

After receiving the new card I decided to pay it off completely, which i did, but today ( XX/XX/21 ) {$1300.00} of the fraudulent charges were reinstated. I called Bank of America at XXXX in the morning but was told that due to unusually high call volume I would not be able to have my call answered. Called back at XXXX in the afternoon and reached a rep who said I needed to speak with a fraud representative, was transferred but placed on hold for more than 30 minutes. I finally spoke with " XXXX '' who took all of my information but said I needed to speak to someone else, he would transfer me immediately and with no waiting- this didn't happen and after another long wait I hung up. 

This isn't right, I'm XXXX XXXX XXXX XXXX  don't need to be terated like this.
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (LA)

I have called so many times, I faxed and mailed equifax and I mailed Experian and neither company updates my account with my correct address that I have had since forever. I dont even know how my address got taken off my report or how an incorrect address was put on it. Im so tired of not being able to get my credit reports bc of these two companies. This has been ongoing since the beginning of last year and it shouldnt take this XXXX long for them to update my report.
Consumer complaint received 2023-02-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NC)

Dear Sir/Madam : I hereby submit this complaint regarding the incorrect and untimely processing of my PSLF submission to MOHELA. 

I faxed my PSLF application ( which was filled out correctly with employment dates/signatures from prior employers since XXXX ) on XX/XX/XXXX. Each of my prior employers qualified as employers for the PSLF Waiver. At the same time I applied for a Direct Consolidation Loan with the US Dept of Education. During the subsequent weeks, I reached out to XXXX XXXX XXXX and MOHELA several times to inquire about the processing of my PSLF form. 

I called Mohela on XX/XX/XXXX and then on XX/XX/XXXX ( on hold waiting for XXXX hour and XXXX minutes ) and spoke with " XXXX '' who confirmed that MOHELA had received all the application documents and the application was complete and would be processed in about XXXX  days. 


On XX/XX/XXXX I received a letter that my Direct Consolidation loan application and request for PSLF was received. 



On XX/XX/XXXX I received a letter that my Direct Loan Consolidation Application had been processed. I then called Mohela to confirm receipt. I was then told that the application process would take about 60  days. 


I received a letter in late XXXX dated XX/XX/XXXX a letter via postal mail from MOHELA stating that I did not qualify for the PSLF program due to insufficient payments ( stating therein that only XXXX of the required XXXX payments ). I attempted to call MOHELA several times after I had received the aforementioned XX/XX/XXXX MOHELA letter to contest the insufficient payment assertion as it was clear that the PSLF form was not processed correctly by MOHELA per the PSLF Limited Waiver requirements. I finally reached someone on XX/XX/XXXX XXXX XXXX XXXX and spoke with " XXXX '' who told me that this was an automatic response and that MOHELA had my entire payment history and that the payments would be updated within their system and the PSLF forms would be re-processed further to the PSLF Limited Waiver. She further stated that the " team will reprocess the application, '' and " all [ of my ] forms were approved, '' that there was " nothing else to do on [ my ] end '' and that the processing of my PSLF form would take another 60-90 business days. 


Yesterday on XX/XX/XXXX I received a letter dated XX/XX/XXXX from MOHELA that I STILL do not qualify for the PSLF program due to insufficient payments ( stating therein that only XXXX of the required XXXX payments ).
Consumer complaint received 2021-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/2021, there were two unauthorized ACH payment refunds on my account in the amount of my XX/XX/2021 and XX/XX/2021 payments. I pay my card down at the end of each month. The XXXX payment was for {$630.00} and the XXXX payment was for {$490.00}. The ACH payment refund transaction added those amounts back to my bill. I have one bank account linked to this credit card, and the ACH payment refund was not paid back to my bank account. 

When I called to talk to Bank of America to resolve this issue, they said that it could take up to two billing cycles to investigate the claim. I am worried that I will be charged interest on the balance while they are taking time to investigate the claim. They also would not tell me where the ACH payment refund was sent. 

It has been tricky because there is no credit card 'transaction ' to dispute in their system. It only allows you to dispute charges that you made, not refunds that were sent out. I have requested a new card number because I believe that my account has been compromised.
Consumer complaint received 2021-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP (AL)

Received letter dated XX/XX/2021 from Linebarger Goggan Blair & Sampson, LLP, Attorneys at Law, located in XXXX, CO XXXX. Received letter XX/XX/2021. Letter said I owed the State of Colorado {$29.00} for non-payment of tolls charged to License Plate No. FL XXXX. Told the company that I have only been to Colorado once in my life and that time I flew in by airliner and left on a tour bus. My car has never been to Colorado. 

I fear this letter is phishing effort to gather banking information or credit card numbers.
Consumer complaint received 2023-06-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (NV)

Loan was started as payment to online e-commerce store, with Affirm as payment provider. Ran into dispute issue with store and Affirm refused to do anything even after I opened a case, customer service would not allow escalation. I reached agreement with merchant for a refund but Affirm refused to allow merchant to process it, nor would they close the dispute. I have already submitted proof merchant agreed to refund, they're also willing to confirm via phone or email. But Affirm 's phone agents says they can't do anything, email agents don't answer messages. This issue is stuck in limbo, avoid Affirm if possible
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX XXXXBalance : {$2500.00}
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I recently filed a complaint and was not resolved, and the law was not upheld. Equifax did not address how they failed to respond to a few of my dispute letters even though certified mail tracking via USPS confirmed they were left with an agent! The company didn't address my right to privacy being violated. For example, I STILL don't know how companies such as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX obtained my private and personal nonpublic information to be able to furnish information onto my credit report to nonaffiliated third parties, such as Equifax! How did they get my social security number and who gave it to them??? Another thing that was never addressed by Equifax is that I also never consented to have these companies to furnish information onto my credit report XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX. These companies do not look familiar, hence why I asked for physical documentation, such as any original agreements, along with the clear and conspicuous opt out disclosures, which the law states must be " adequate ''. If I am remiss, and actually signed these documents, I need to see them! Furthermore, Equifax never addressed that when a consumer informs the credit reporting agency or original creditor of inaccurate information, they are to discontinue reporting the disputed information until the information is deemed inaccurate or factual. This did not occur! Equifax reported the entire time! Adding dispute remarks does not change the fact the this law was not followed!! Lastly, I did not consent to E-Oscar verification. I do not consent to E-Oscar verification going forward! Equifax never provided me with any real proof or documentation for the methods used during their alleged investigation, which I have the right to request!