davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-14
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 (NY)

On XXXX XXXX at XXXX while working with my Chime back card in my wallet. I began to get alerts from the Chime secure portal that my card was being used at an ATM. I went in and cancelled the card immediately and recieved a response that there would be no fund taken from my account. I called chime and made a report of this. The operator began to make notes of my issue and I was told that these charges will be taken off. The next few days I was hit with transaction fees and the fees for withdrawls from an out of network ATM. There was first 2 attempted charges from XXXX XXXX one for XXXX then XXXX and 3 miniutes later 2 attempted withdrawls from XXXX bank for XXXX. From using the protal I was garuneed to block all transaction yet when I went in to check my Chime account they had take the 2 attempts from XXXX and proccessed the fees. I immediately called Chime and they asked me to submit all my information. I submitted all this information that I have provided to you but Chime refused to take action however my charge dispute request was denied within 1hr. 
I asked to see the notes that were made on this so called investigation. At first they would not provide this information untill after 4 calls and speaking to many people I was emailed the notes on my account. CHIME lied and said there were no alerts, no warnings, nothing out of the usual and that these withdrawls look consistent to previous withdrawls. I bank with XXXX XXXX and have never been into a XXXX Bank. After finding out this lie I immediately went to check my end of the month statement. On XX/XX/XXXX I printed out my statement for the last month and there was 1 charge for XXXX but 2 transaction charges and my account was out of XXXX. A total of XXXX was taken from an ATM withing 4 minutes with 2 transaction at XXXX bank at XXXX which I was alerted to and assured there will be no withdrawls yet CHIME WILL NOT RETRUN MY MONEY. 
I made this known to CHIME they went in and changed my monthly summary to add these charges. I have the original prints and text of all these happenings.
Consumer complaint received 2024-10-12
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: NAVY FEDERAL CREDIT UNION (FL)

According to XXXX XXXX XXXX response from complaint number : XXXX, XXXX  claims there is an " unauthorized party '' regarding this claim as they can not respond. While XXXX  IS THE UNAUTHORIZED PARTY as they admit they can not communicate To my consumer, they are also admitting they can not communicate WITH my consumer regarding 15 US CODE 1692 c ( c ) 2. This means the obtaining of XXXX ' consumer information unlawfully acquired by XXXX shall cease. Not sure whom XXXX is and why they have this consumers information but XXXX ' never gave expressed direct consent for them to acquire his info including reporting inanities and alleged debt findings unlawfully given to them. XXXX ' has no said contract or agreement nor has any transactions with XXXX  as they have never supplied any contracts or agreements proving XXXX  Authorized interest. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Section 15 ( d ) Remove your access and cease reporting to credit bureaus at this time
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2019-02-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: United Acceptance Inc. (GA)

I bought a car from buy here pay here, I paid on the car for so long and was on time and they seen that I was a great creditor always paid on time and sometimes more, I was told that my long was being turned over to a bank, so I signed the papers thinking that that would help my credit but it was turned over to a finance company, my interest rate went sky High and turn to a upside down loan on the vehicle, then the vehicle was no longer drivable, as long as I was with the company they would fix it because they wanted their money, but once I was on my own with the finance company, I was stuck with a used vehicle that had been bought from an auction, It finally costed me a little over {$1400.00} to fix it and it costed me {$1400.00} to pay it off, so I requested that they come and secure their property there was no way that I could fix the vehicle and make payments at the same time so the best thing for me to do was to ( surrender ) relinquish the vehicle, they sold the vehicle for {$300.00}, I had {$800.00} worth of tires on the vehicle because I kept the maintenance up I want to road ready, brand new starter, brand new battery, all the whole works brand new rims, brand new rotors all the way around, they never contacted me to negotiate how we could resolve the issue they just sold the vehicle and I was stuck with the balance and I didn't sign up for my vehicle to be sold to a finance company I thought I was with a bank and I would have went the whole 100 with them.
Consumer complaint received 2016-08-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My dispute with Transunion is improper credit information. I settled an account with a lender for less than the original amount. The account is closed and paid in full. However Transunion has XXXX account in collection. the account was paid there is no collection. I believe it should say, account closed settlement for less than the original amount. That was the banks decision to settle with me. When a bank settles that is essentially a new contract. The credit reporting agency should not have the right to list an account as in collection if the bank settles on a different amount and the account is closed. I believe all accounts that are settled for the less than the full amount should not be a negative thing for a consumer. If the consumer in good faith paid what he could and the bank agreed on a new term to close then its closed. These types of settlements should not remain on a credit report as collections of negative for seven years.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2016-08-18
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NH)

On XXXX/XXXX/XXXX I contacted PRA to discuss the status of XXXX accounts that are in currently in dispute, accounts ending in XXXX and XXXX. Initially my phone call was received after automatically stating that the phone call " was an attempt to collect a debt '' even though these alleged debts are actively in dispute, and are not to be collected on while being in dispute. 

Next, my phone call was transferred to and answered by the " Litigation Department, '' in yet another attempt to collect these debts, a technique they have already been cited for and fined for by the CFPB for back in XXXX through the CFPB-PRA Consent Order of XXXX.
Consumer complaint received 2020-09-17
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: EQUIFAX, INC. (AL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-14
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)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX. XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these account to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$400.00}.
Consumer complaint received 2024-12-05
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Harris & Harris, Ltd. (TN)

This company is a wreck looking for a place to happen. Harris and Harris Ltd of XXXX. I didn't know about them and I had find out the hard way when my bank posted my XXXX score had dropped XXXX points. I didn't know why or who had done this to me. After I found out and read some of the reviews on them I found it was on something that happened 3 years ago. I started searching my text that XXXX  was supposed to sent me. I found it in my XXXX  folder along with the other ones that was trying to spam me for what every reason. It was about a {$190.00} bill I didn't owe. I had settled this with a legitimate collection company. I called the collection company we talked and worked it out in my favor. That was 2 years ago. Then 2 years after that Harris and Harris got into my credit file and seen it and decided to try me. But I didn't know of them and never got a call, letter or nothing to me accept this one spam text that went straight to my spam folder. This XXXX point drop was a paifull loss for me. I'm XXXX XXXX XXXX and worked hard to pay my debts. But I thought of something else. These so called collection agency have access to my SSN, phone number, and everything in that file. They could be selling all that information. That is bad. Please take a good look at this company. Read the reviews of 100s of other victims about this fraudulent company. Please help me. XXXX XXXX
Consumer complaint received 2021-10-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (DE)

My mortgage account with Mr. Cooper collected County Taxes 2 times in XXXX instead of 1 time. On XX/XX/XXXX, Mr. Cooper sent {$3.00}, XXXX to XXXX XXXX County. On XX/XX/XXXX, Mr. Cooper sent {$3.00}, XXXX to XXXX XXXX XXXX. In XX/XX/XXXX, a check from XXXX XXXX County in the amount of {$3.00}, XXXX was payed to Mr. Cooper for over paying the taxes in XXXX because they paid it twice. Mr. Cooper did not return the taxes or the Escrow account. It is XX/XX/XXXX and my escrow account still isn't adjusted/ money has not been returned to my account. This caused my mortgage to go from {$1700.00} to {$1900.00}. A difference of {$190.00} every month since XX/XX/XXXX. That is twelve months of over paying the mortgage payment since it is XX/XX/XXXX. Tax form 1098 from 2020 showed I payed property taxes in the amount of {$6.00}, XXXX. I have called the customer service number five times and spoke to the customer service and chatted online with Mr. Cooper and nothing has been done. My daughter called and spoke to a supervisor, XXXX XXXX in the Executive Resolutions Team on XX/XX/XXXX. Ms. XXXX tried to say it was an payment for XXXX. I had the account open and it showed I paid the taxes in XXXX. She walked that back. She found that XXXX XXXX County sent the check back for double payment in XX/XX/XXXX. She said she would escalate the situation to XXXX who handles the taxes for Mr. Cooper. She sent an email to confirm that on XX/XX/XXXX after speaking to my daughter and myself. She said it would be resolved in 9 days. Left a message on my home answering machine on XX/XX/XXXX stating it was being processed. On XX/XX/XXXX I got an email from Ms. XXXX stating she was still waiting for XXXX to get to her. I wrote her back in frustration but stayed respectful. I have heard nothing. My daughter left a message for Ms. XXXX on XX/XX/XXXX letting Mr. Cooper know that we were making a complaint. For over a year, we have tried to get this resolved. We need help. My wife has XXXX. I am busy from morning to night. We have a lot of medical bills to pay. This situation is unconscionable and illegal. I am unable to refinance at a much lower interest rate until this issue is resolved.
Consumer complaint received 2016-12-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CCS Financial Services, Inc. (TX)

I was a victim of identity theft and noticed a collection from CREDIT CONTROL SERVI I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CREDIT CONTROL SERVI in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2016-08-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (LA)

Many of the creditors are paid in full and are currently showing on my credit report. I need these cleared off my report to increase my credit score. Also have a judgment that was paid in full and is still currently showing on my report. If you could be so kind to help me in this situation, I would greatly appreciate it. 
Thanks
Consumer complaint received 2020-09-09
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lending Club Corp (TX)

I have been paying on a past due account ( Lending Club ) to XXXX XXXX for over 1 yr already and every time they try to settle with me and I tell them I cant they get very upset. The representative XXXX XXXX is very unprofessional and rude on the phone. She contacted me on XX/XX/2020 at XXXX XXXX and wanted for me to settle my past due account and I told her I cant but that I can continue paying the {$75.00} I have been paying for over a year and she said no and started yelling at me. She said you owe {$1600.00} and I need you to send payment immediately to them. She did not let me speak, she just yelled over me and said that if I wasnt going to send the entire balance then she was going to call me every day and also threatened to call my job. I have been paying them monthly and I dont think its right for them to harass me.
Consumer complaint received 2020-09-08
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. (TX)

On XX/XX/XXXX a certified letter was mailed to Equifax asking them to delete the information that was reporting inaccurately on my Credit report. The certified letter was received on XX/XX/XXXX at XXXX. The letter requested that I demand XXXX XXXX XXXX be removed from my credit report due to Equifax reporting the date of last activity they have listed on the credit report is XX/XX/XXXX. How can this be? When the account according to the credit report was opened a whole year later on XX/XX/XXXX. So this would mean this information is reporting wrong and incorrect. I have asked Equifax to remove this account but yet and still it still reports on my credit report. I also have a letter from XXXX XXXX XXXX where this account should have been removed last year in XX/XX/XXXX along with XXXX  and XXXX I have disputed this account several times with Equifax and yet they have been lackadaisical about removing items and reporting erroneous Information to the CRA. According to the Fair Credit Reporting Act this should be deleted and is suit for a law suit.
Consumer complaint received 2016-12-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ProCollect, Inc. (TX)

I was a victim of identity theft and noticed a collection from PROCOLLECT I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against PROCOLLECT in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2016-08-18
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JAMES B. NUTTER & COMPANY (NJ)

At the beginning of obtaining this reverse mortgage my understanding was I was to pay the taxes of the property which I agreed to do. At the time, my property taxes were already behind and the default amount was not cleared or paid up current by the reverse mortgage company. What happen my default amount became an issue, because a clause of the reverse mortgage agreement states property taxes must be kept current which I was not advised nor aware of before I sign the contract, otherwise I would not have sign it. 
Thus, the reverse mortgage company contacted the tax office and paid up the default amount fully on the property and provided me with a monthly repayment plan to repay them as well as the ongoing current amount, leaving me with XXXX tax payments obligations to handle, which became overwhelming to handle, considering the others house up keep that also must be kept up as well. I carried it for as long as I could until it became impossible to keep it up. 
So this is were we are now. The reverse mortgage company has file to foreclosure on the property
Consumer complaint received 2016-12-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: State Collection Service, Inc. (WI)

Found a medical bill collections on my credit report, Sent to collections by XXXX XXXX it was not for me and nor was I responsible for any bill outstanding with them. They placed a bill in my name and sent the bills to an address I had 8 years ago, even though I was a current patient who had an account with current info on it. It was not my bill, it was someone else 's services and I never received a bill, nor statement it was in collections. I have been trying for over 3 months to get it off my credit report and getting the run around from XXXX, State Collections Agency and Equifax. I had wanted to refinance my home, and this is causing months and months of delay and a financial nightmare. Not XXXX of them claim responsibility, but all state it should not be on there ... .They guaranteed me it would be resolved in XX/XX/2016 it has not. XXXX acknowledged the bill was not mine but refuse to provide me with a letter stating that they billed me in error, sent it to a wrong address and admit they made a mistake. The collections agency states they sent notice to the credit bureaus for removal, but it is not removed. XXXX states it is the collections fault, the collections agency states it is Equifax 's fault ... but no one corrected it.