davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

This complaint is submitted on behalf of the borrower by his advocate. 

The borrower applied for foreclosure alternatives on XX/XX/2018. He was denied a standard modification on XX/XX/2018. The denial letter failed to give a clear reason for the denial stating, The investor ( owner of your loan ) has declined to this workout. The denial letter offered a Short Sale or Deed-In-Lieu. The denial letter did not advise the borrower of his right to appeal the decision, if merited. On XX/XX/2018 the borrowers advocate requested in writing clarification of the denial, to help the borrower evaluate his entire situation ( i.e. appeal the decision or seek other alternatives ). The request was submitted to the Single Point of Contact and the Escalations and Loss Mitigation departments. Shellpoint acknowledged the correspondence was received on XX/XX/2018. They confirmed a written response would be provided within 15 days ( aka XX/XX/2018 ). A Notice of Trustee Sale was recorded on XX/XX/2018. 

The borrower and his advocate contacted Shellpoint via telephone communication on XX/XX/2018 ( when the borrower received multiple copies of the Notice of Trustee Sale via U.S. Mail ).  Representative XXXX XXXX confirmed there was no response to our request, nor was there a Single Point of Contact assigned to the loan. He explained that the borrower could enter a Repayment Plan, by making a lump sum payment and pay the remaining balance in a 12-month period, but that would not stop the foreclosure sale scheduled for XX/XX/2018. Please note this is the first time the borrower was advised by Shellpoint of his option to enter a Repayment Plan. XXXX then requested to follow up with us regarding the total amount due to bring the loan current, or lump sum amount due to enter a Repayment Plan, since he did not have access to that information. 

It appears that Shellpoint is in violation of the California Homeowner Bill of Rights and the Mortgage Servicing Rules Under the Real Estate Settlement Procedures Act. The Notice of Trustee Sale may have been recorded prematurely, since no response to the correspondence has been made, thus giving the impression that Shellpoint is dual tracking. The Repayment Plan option appears to be unethical, since Shellpoint is  insinuating to accept partial payments of amount due but still proceed with foreclosure. It is also alarming that Shellpoint removed the Single Point of Contact prior to ensuring all loss mitigation efforts were explored with the borrower. All these actions have put the borrower in an unnecessary predicament to limit his options. Attached hereto please find supporting documents.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

To whom it may concern I XXXX XXXX XXXX pulled my credit report on XX/XX/XXXX. I noticed inaccurate information was reporting on my personal information section. I then sent dispute letters to all three credit bureaus via certified mail with return receipts on XX/XX/XXXX. I sent in proof of residency of my check stub, my government identification card and my social security card to prove my identity. I then looked at my credit report on XX/XX/XXXX just to see have changes been mad to my correct my personal information. XXXX XXXX and XXXX failed to make any changes to my consumer reports. I then tried again on XX/XX/XXXX sent another certified letter to get my information correct but all three credit bureaus still failed to correct my information. My name and is reporting wrong and XXXX like my information completely immediately. I am afraid I maybe a victim of identity theft because so many different names and addresses on my credit report. I hope this process will be successful and not continue to violate my consumer rights.
Consumer complaint received 2023-06-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (PA)

On XX/XX/XXXX, I accidentally purchased products from a fraudulent company. The company had a website that impersonated the official XXXX XXXX website perfectly and I honestly could not tell the difference. The official XXXX website ends in a .com and this one ended in a .us. I purchased an order for {$29.00}. The company charged me four times, two charges for {$29.00} and two charges for {$0.00}. The company sent me a fraudulent tracking number that was sent out to several other people I know who also ordered from this website. It says my order was delivered on XX/XX/XXXX to XXXX XXXX, Florida. I live in XXXX, Pennsylvania, which is where the order would have been shipped. When I reached out to the company, they told me to have a nice life and it was only then I realized I was dealing with a fraudulent company. I attempted to file a chargeback with my bank, Truist, on the grounds that I was charged twice, and that my order never actually got delivered to my house. The claim was denied so I called my bank to file an appeal, and that was also denied on the grounds that I technically authorized a charge from this company. I feel that I am being wronged as a consumer. 

It is also worth noting that over the last month and a half, the company has changed their website from XXXX to XXXX
Consumer complaint received 2023-06-29
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: Experian Information Solutions Inc. (CO)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX  - XXXX - Please remove it from my credit reportplease investigate the history reported on this account it is absolutely inaccurate please update the account as paid a agreed I have attached a copy of my report with the accounts in question HighlightedDelete account for failure to perform an investigation per fcra regulationDelete account for failure to perform an investigation per fcra regulation XXXX XXXX - XX/XX/XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report XXXX  XXXX XXXX XXXX XXXX - XX/XX/XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report XXXX XXXX XXXX XXXX - XX/XX/XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report EXPERIAN XXXX XXXX XXXX XX/XX/XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report EXPERIAN XXXX XXXX XXXX XX/XX/XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report XXXX XXXX XXXX - XX/XX/XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am contesting any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting.I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because it is unsubstantiated. According to federal and state law, you must report any allegation accurately and completely.It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report.I authorize you to mail me physical documentation of your actions and my updated credit report.The following allegations appear to be inaccurate and require verification before they can be considered accurate. Please report each allegation fully and accurately, ensuring that all information is verified as correct or REMOVE them from my report.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I have contacted the banks of each that was reporting a new inquiry on my report fraudulently day of inquiry and day after but no response or resolution since XXXX XXXX i have written and called each company to remove inaccurate information and to inform i gave no permission for the inquiry.
Consumer complaint received 2023-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (AZ)

I began using a new bank this week, Chime Bank, based on the fact that they help build credit and seem very easy to work with. My paycheck was direct deposited into my Chime account at XXXX on XX/XX/XXXX, totaling XXXX dollars along with a XXXX dollar referral bonus. Because the account was opened this week, I had yet to receive my debit card. I needed to transfer some money from Chime into my alternate checking account but could not figure it out in the app. So at XXXX on XX/XX/XXXX, I called Chime customer support where they attempted to assist me and claimed my account needed to be activated and they would take care of that for me. The customer service agent instructed me to check the app again in 45 minutes and I would be able to transfer money without any issues. When I went to check my account an hour later, XXXX dollars had been transferred out to a dummy account leaving me with XXXX dollars. I immediately called Chime and after 3 hours they were able to confirm that my account had been hacked by the previous customer service agent and they had taken my money. Chime said they could not give me a temporary credit and could potentially never get my money back. I've filed an official police report against Chime and the customer service agent that hacked me. Chime is currently investigating the fraud and will be updating me. I can supply those documents to you as they come in. 
Because of this, I can not pay rent, can not afford my prescriptions, dog food, gas, phone bill or any food for myself. I'm broke until my next paycheck and even though Chime can confirm it was their employee who took my money, they refuse to do either to help me.
Consumer complaint received 2023-06-29
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. (KS)

I submitted this complaint to update this suspicious information. 3 Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance : {$30000.00} ; XXXX Balance : {$16000.00} ; XXXX XXXX Balance : {$2800.00} ; XXXX XXXX Balance : {$17000.00} ; XXXX Balance : {$12000.00} ; XXXX XXXXBalance : {$17000.00} ; XXXX  XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$620.00}.
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

On XX/XX/2023, I went to the car dealership XXXX XXXX to purchase a vehicle. Before going to the dealership, I applied for financing via their website. I did so because I was told this would preapprove my auto loan and prevent the dealer from having to run inquiries on my report for a loan. 

2 weeks after the vehicle purchase I received multiple letters from different financing companies claiming I had requested a credit inquiry. I investigated further into the issue and found that the dealership and put 12 inquiries on my credit report without my consent. 

I have attempted to call the dealership multiple times in an attempt to reach the finance director to request a deletion letter to remove the inquiries from my credit report. 

I reached out to all 3 credit bureau with little success. The bureau 's claim I need to deletion letter from the dealership since I did not consent to the inquiries. 

I am submitting a complaint because the dealership refuses to answer any of my phone calls or voicemails
Consumer complaint received 2023-06-30
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

XXXX XXXX XXXX XXXX XXXX XXXX  TEXAS, XXXX XX/XX/XXXX NISSAN ACCEPTANCE XXXX XXXX XXXX XXXX, TEXAS XXXX Re : Account # XXXX | SSN : XXXX Dear Sir/Maam, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( s ) : XXXX XXXX XXXX XXXX ( 19 RECORDS OF LATE PAYMENTS ) It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negative documentation impact my consumer report and are considered as part of my transactions and experiences between your company and me. 

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. 

You have 30 days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the expressive time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would demand that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. 

Please forward any changes to my account to the address below. Thank you for your attention and understanding in this matter. I look forward to hearing back with the positive adjustments made to correct payment history by removing everything negative inflicted on my reputation as a upstanding consumer. 

Regards, XXXX XXXX XXXX : CFPB FTC Texas Attorney General
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In Accordance with Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Has Violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-07-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (DC)

I got a transfer on XX/XX/XXXX for {$120.00}. The person sent me a screenshot with a confirmation number. I never got the funds in my account. I called Zelle and the agent told me that there was nothing he could do and advised me to call my bank. My bank has been trying to help me for over two months to get the funds without any success. Zelle says that they can see the order number but that the funds never left the senders account and they dont know why, and will not provide a solution.

This is absolutely outrageous. Zelle is a service that should work as promised and if there is a confirmation of the transfer : 1. the transfer should happen ; 2. They should not wash their hands and make the costumer and the bank chase a transaction they cant view ; 3. Reply saying that something wrong must have happened and not offer any steps forward to make it right.
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: COMMERCE BANK (MO)

Hello. On Saturday XX/XX/XXXX I noticed money miss for the XXXX time. I had {$9.00} on the card, then added {$75.00}. But the available balance said I had {$68.00} available. I printed all my statements from the day I opened it on XX/XX/2023. I added up all the debits and all the deposits. There was {$73.00} missing from the card. I went to the bank branch to find out what they could do but since money was missing and it wasn't a specific transaction, they told me they would have to charge {$20.00} an hour to investigate it. I noticed money missing in XXXX, XXXX, XXXX, and another time in XXXX. The bank also printed out all my statements and I added it up there for them ; proving that money was indeed missing.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc (LA)

OnXX/XX/XXXX I received the email from time banking that my account was suspended for unknown reasons to me. I called the customer service for the past 3 days to get this situation resolved. They had given me nothing but the runaround, I even work with the company when sending it important documentation to verify that there wasn't any fraudulent action going on with my account. My account went for being suspended to close and now I can't get the money that I have in any of my. XXXX has officially left me out here struggling to take care of myself I'll come able to get my next paycheck. I have almost {$900.00} worth for funds that they need to send me immediately.
Consumer complaint received 2023-07-01
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: MOHELA (IL)

XX/XX/2023 I filed a disputed through XXXX in reference to an account that has been placed on my credit account with out my authorization. 

I also informed XXXX that this debt or loan agency I did not authorize and that It was not mines. 

XXXX did send me a letter stating that this information is accurate which it is not. 

I have also filed another dispute in reference to this account that I did not authorize, MOHELA dept today. Date of XX/XX/2023 I, XXXX XXXX XXXX certify that I served my complaint documents to the appropriate addressee by depositing the same in the United States with proper postage prepaid and properly addresses or by email in accordance with the Administrative Procedure Act, 5 ILCS 100/10-25, Section 10-75, on XX/XX/2023 Thank you, Best and kind regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( XXXX ) XXXX