davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (FL)

On XX/XX/year>, almost exactly a year ago, a transaction of {$1300.00} was made using my Chime debit card at XXXX XXXX. I decided to return the product on XX/XX/year>. I have included the same original receipts of the purchase and the return that I sent to chime dispute center on the day of when I disputed on XX/XX/year>. Attached is more than enough evidence to prove there was an error made and I never received my refund due to the fault of chime. Attached you can see evidence of even the digital receipt copy sent officially by XXXX XXXX through email and chatting with the company XXXX XXXX and the representative working for XXXX XXXX claiming they approved and sent the refund, and that it would take 3-5 business days. This was an in person transaction made with the chime debit card, so when 3-5 business days went by I knew something was wrong and initiated the dispute with chime. All chime did was lie and claim they would investigate but had me wait 45 days just to deny me. Then I also put in a rebuttle and they still denied that after another 30-45 days. I now put in another rebuttle but It's been too long and I will no longer wait for my MONEY! This is plain ridiculous and garbage customer service aswell as illegal.
Consumer complaint received 2017-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pinnacle Credit Services, LLC (TX)

This account was removed and proven to not be mine in XXXX of XXXX and it all of a sudden re-appeared XXXX XXXX. The first time the company was n't able to provide me with any type of legally accepted validation of such debt, my personal information was even incorrect. When I asked for validation AGAIN in XXXX of XXXX, all I received was bills with an address I never lived at, no signatures or anything that constitutes legal validation in accordance to FCRA rules. Also the company put the account back on my credit without proper notification as they were obligated to do in accordance to FCRA rules. This account does not belong to me remove it immediately or I will seek legal action.
Consumer complaint received 2017-11-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

This complaint is a continuation of Complaint # XXXX which was filed in XXXX 2017. XXXX XXXX has still not adjusted my account to reflect the erroneous addition of $ XXXX to the principal balance of my loans due to errors in their paperwork processing which resulted in my loan not being enrolled in income based repayment plans for short periods of time. I am being charged interest on top of this additional {$20000.00}, and nothing is being done to correct the matter despite numerous letters, phone calls, and e-mails to XXXX XXXX XXXX. All I receive are apologies but no corrective actions.
Consumer complaint received 2023-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

Since I have contacted mortgage company ( SPS ) in terms of escrow issue with over charging analysis, they didn't fix this problem properly. 
They didn't refund my additional escrow payment for 3 months. Following is the amount. I paid {$2900.00} with additional escrow fee {$990.00} in XX/XX/2022 ( draft day ) I paid {$2900.00} with additional escrow fee {$990.00} in XX/XX/2022 ( draft day ) I paid {$2900.00} with additional escrow fee {$990.00} in XX/XX/2022 ( draft day ) They have to refund {$2900.00} in total ( {$990.00} XXXX XXXX = {$2900.00} ). 
I contacted them so many times with this issues. They are not listening and just repeat same words with a wrong analysis report. It seems like they are stealing my money. It is so stressful.
Consumer complaint received 2020-07-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (AZ)

When consolidating my loans from a private provider, Fedloan rolled them over in parts, then charged me to consolidate, resulting in additional fees. Agents refuse to acknowledge or address this in any way. 

Formally, I was a government employed teacher that qualified for loan forgiveness. None of my qualifying payments were entered. I have since quit teaching as I no longer trust this program. 

In addition, I have asked repeatedly over the last couple months for information regarding the percentage of interest charged on loans and they refuse to provide this information. I was sent statements days after each time I reach out that include only an overview, but not the information I requested. 

The first and last issue I would like addressed ASAP so I am not over charged as I pay off these loans.
Consumer complaint received 2023-02-02
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. (FL)

In accordance with the Fair Credit Reporting act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. Account XXXX XXXX XXXX XXXX, Account # XXXX, 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 a account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (WA)

Nelnet has been down and unable to receive payments for well over a month -- I want all interest accrued during this process through no fault of my own to be waived. 

This is unacceptable customer service, and I do not want to have my credit damaged or interest to accrue Seek immediate guidance and a record.
Consumer complaint received 2017-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I XXXX XXXX has written transunion mulitiple times disputing two accounts on my transunion report which Transunion is breaking the law and not providing the information that i have requested from them and all they have to say is the accounts that i am trying to dispute are verified and they dont show me how they verified the accounts i am again going to ask Transunion to get rid of the n=bankruptcy and the XXXX XXXX XXXX XXXX account off my record due to not being mine
Consumer complaint received 2017-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MO)

Received an offer from american express XXXX card for adding up to four authorized users and receive XXXX points after XXXX spend for each card. Completed the required spending on both card but only got bonus points for the first card. Contacted the customer support but they ca n't help.
Consumer complaint received 2021-11-24
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. (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax XXXX have failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the XXXX are investigated properly before posting derogatory information. 

XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX XXXXXXXX XXXX  Balance {$0.00}
Consumer complaint received 2019-02-28
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ZARVAD III S.A. (CA)

They have called at least 2x a day. I have sent them written notice not to contact me as I have an attorney and I am filing bankruptcy. Continue to call threaten they are reporting me so I can no longer write checks said I defaulted on the loan when all I asked was for them to stop ACH payments. Won't give a mailing address
Consumer complaint received 2017-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

My original mortgage was with XXXX XXXX. In XX/XX/XXXXmy mortgage was sold to a new investor XXXX XXXX XXXX who uses Carrrington Mortagage Services to services their loans purchased. While my mortgage was with XXXX XXXX my house was damaged by Super Storm XXXX on XXXX XXXX, XXXX. I was paid insurance funds from XXXX XXXX XXXX XXXX. My house was fixed and XXXX XXXX who was in control of the monies sent an adjuster out to see what if any repairs were still needed before releasing the remainder of funds. The adjuster came and I was 95 % complete and XXXX XXXX released the funds and closed the claim. In XXXX I was approached by a law firm that they were opening up some of the Storm XXXX cases because FEMA did not payout the correct dollars. My case went to litigation and I won. I was issued a check in XX/XX/XXXX made out to myself and the mortgagee Carrington Mortgage Services as mortgagee. My attorney sent the check to be endorsed to Carrington. Carrington in return did not endorse it and sent it back to me and was treating as a brand new claim. I called them and explained the situation. They had no idea about the re-opening of claims with FEMA. I sent them the adjuster 's one page two line report stating the work had been completed in XXXX. Then they wanted more documents for which I complied. It is now two months after the fact and they still will not let me know if they are going to endorse my check. In the summer I had lost my job and got behind in my mortgage, part of the proceeds from this check I want to use to catch up on my mortgage. Every time I call or my attorney call we get the run around. The last person I spoke with is a XXXX XXXX who is supposed to be an attorney, his number is XXXX. I am working now, as a loan supervisor in a loan servicing department, and I would never do what they are doing to me to a borrower. This started the beginning of XXXX and is still on going. I even told the investor to send someone to do a home inspection, I have nothing to hide, they were going to do it and then Carrington stopped them. This is so unfair to me as a consume and I believe at some point goes against principles in general. Please help me, I do not know where else to turn anymore.
Consumer complaint received 2023-02-02
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. (LA)

Account : XXXX XXXX # XXXX Pursuant to 18, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 US 1681b 2, company also has NO permission to report ANYTHING using my info pursuant to 15USC1681 4. 

Account : XXXXXXXX XXXX XXXX XXXX  # XXXX I am requesting that your company provide me with debt validation and the Health Insurance Portability and Accountability Act ( XXXX XXXX authorization. Be advised, this is NOT a request for " verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( " FDCPA '' ). See. Reference Above At this time, I will also inform you that a XXXX entity or its business associate violated my health information privacy rights and/or committed another violation of the Privacy, Security, or Breach Notification Rules. I do not recall giving permission to release my medical information to a third party. am aware that the XXXX does allow for limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore my request is twofold-validation of debt and HIPAA authorization XXXX COMES NOW, I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay vou. Please provide the following XXXX requesting that the HIPAA-covered entity or its business associate provide debt validation for an account in question. Please provide debt validation in the form of agreement an original bill, and a detailed statement of procedures is required. if any. Please provide a breakdown of fees, including any collection costs and medical charges, if any Please provide a copy of my signature with the provider of service to release my medical information to you Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer. if any. Cease any credit bureau reporting until the debt has been validated by me Please provide me with a vented certificate of authority. and proof that your company is licensed to collect debt in my state. Kindly provide me with a license number and registered agent or agent of service Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA, XXXX.
Consumer complaint received 2021-03-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

On XX/XX/XXXX, I sent a letter to the credit bureaus, asking them to investigate multiple errors that appeared on my credit report. To my understanding, they are supposed to investigate my concerns, and respond back to me with the results of the investigations within 30 days. However, I have yet to receive a response. In fact, two weeks ago, I sent follow-up letters to all three bureaus, and they none of them have yet to respond to my request.
Consumer complaint received 2023-02-02
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. (FL)

Experian is in constant violation of my rights to privacy as a Consumer, in accordance with the FCRA I have constantly asked them to stop violating me under 15 USC 1681, 15 USC 1681 section 602, also 15 USC 1681 section 604 section 2 says they can not report anything on my credit report without my written consent, -FDCPA section 807 Violation misleading false reporting 15 USC 1681a ( 2 ) ( b ) I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title XXXX XXXX XXXX
Consumer complaint received 2023-02-02
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: Experian Information Solutions Inc. (CA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-02-02
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. (FL)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2017-11-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (VA)

My wife, XXXX, and I started to see discrepancies in our statements that did not match up with any normal late fee charges. On our XXXX/XXXX/XXXX statement from DiTech it showed a charge ( XXXX ) added. When we contacted XXXX @ Ditech on XXXX, we were told that they did not receive any payments for XX/XX/XXXX The statements show that the payments we were making were going into a " Misapp Rev '' account. XXXX saw a problem and stated that she would send the account for review to have it corrected. We continued to receive statements with more collection messages threatening to foreclosure on our home. In XXXX, there were XXXX XXXX in the family and in XXXX my wife contacted DiTech to ask for an extension. They refused because they told her they did not help with that because we had a XXXX XXXX XXXX loan. So, this year we have made some late payments but every month was paid in the end. We show that we are paid in full at this time and are getting ready to pay XXXX 's payment. On XXXX we contacted XXXX again and were told that an audit was done in XXXX XXXX and payments were found from XXXX XXXX that were kicked back. No information would be given on where they went. Further review shows that payments we made to the prior mortgage company ( XXXX ) were on Ditech 's page and {$3700.00} payment was not one we made ( from XXXX transfer? ) A payment we show from XXXX XXXX is not credited to our account as well. It looks like DiTech took the difference in these amounts and reallocated somewhere and now are saying we owe and are in default of our loan. We agree that payments have been late BUT every payment was made from XXXX XXXX present when XXXX transferred the loan to DiTech XXXX We do not understand why we are being told to go to our bank and collect the last 2 years of statements to prove we made a {$2400.00} payment when that is not an amount we would have ever paid. It seems as if DiTech made a numerical error when the loan transferred and they are now making us responsible for paying for it. Is n't it their job to SERVICE the mortgage and not take advantage of homeowners? Any help you can provide in assisting with this matter would be GREATLY appreciated. We will be in contact with a lawyer to go over the details because we no longer feel safe in providing additional information to DiTech for them to attempt to use it against us.
Consumer complaint received 2023-02-06
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 reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-06
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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