davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-08
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (CT)

I went through a nasty divorce and simply want to get my credit and finances back on track. All I want is NationStar/Mr Cooper to please remove all of the reporting that they are furnishing to XXXX, XXXX, and XXXX. The account balances and past due information is inaccurate and damaging my credit profile. This was a joint account however I am taking the brunt of this after the divorce. I lost my home I simply want to get my life back on track.
Consumer complaint received 2019-11-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (GA)

At the beginning of XXXX I received notification from XXXX XXXX  ( XXXX XXXX ) at ( XXXX XXXX  XXXX, XXXX XXXX, XXXX, ga XXXX ) that my mortgage was decreased by approximately XXXX/month. Was told that there were some reductions and that was my new payment. By the time XXXX came in, I was hit with a escrow shortage of about 1100.00 which I immediately contacted XXXX to receive a reason. I was told that they made a mistake and didn't include my taxes in their yearly analysis for that year, which gave them a lower payment. There was also an incident where they withdrew my monthly payment TWICE at the same time and send an email saying they would correct the error. I believe this is when the problems started. They told me they were sorry and it was nothing they could do, I had to pay a years worth of this money back equalling about 1100 so my mortgage payment would not go up. I was already putting extra toward my principal so this just cancelled out my attempt to get ahead. Immediately after this mistake my account was transferred to XXXX XXXX   where the same issue came up again based on a domino effect from XXXX and their faulty analysis of my escrow account. I am now short XXXX in escrow and there has been no major changes in my taxes or home insurance to constitute this much of a shortage. I am not making the money that I used to and can't afford to keep paying for these kind of mistakes. I am in need of assistance, my servicing is being mishandled and I dont know what to do about this. Last person spoken with was XXXX XXXX at XXXX XXXX/XXXX. I have email correspondence.
Consumer complaint received 2023-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (AL)

Chime Bank is trying to cash stolen checks. USPS steals the checks or reroutes them to one of CHIMES affiliates. Chime blocks all transactions from the victim that has their checks stolen. To make any purchase you have to send Chime a " yes '' through a text message. To explain, my checking account does not have a 2-step validity, that is until a check is missing and Chime is trying to cash it for the thieves. I can not buy an Anti-virus subscription for approximately 30 dollars without CHIME blocking the transaction and requiring I send them a " yes '' in a message. Also, Chime would require a phone call in which you have to give them all of your personal information on transactions they have blocked. When you reply to CHIME to stop blocking your transactions, CHIME 's reply is you must send them a " yes '' Inadvertently, your " yes '' is being used to cash a check. Also, CHIME has two email addresses for my account. One of the email addresses was never given to CHIME and yet it is the same email address that has been compromised on the dark web. It is time for the US government to stop this company of outlaws from operating in the US. Finally, CHIME is allowing other criminals to cash checks through my checking account and the funds never show up on a statement. CHIME 's is money laundering stolen checks. This bank needs a forensic audit and a government investigation.
Consumer complaint received 2019-11-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: WLCC (NV)

On or about XX/XX/19 I applied for a loan in the amount of {$1000.00}. I was approved, I however needed more time to pay the loan back. I was unable to make the full payment on the first payment and the company worked with me. However I was unable to make the XX/XX/XXXX payment and asked to extend it to the XX/XX/XXXX payment. I was granted this. I have looked hard at my finical situation and am seriously thinking of filing for bankruptcy. I have notified the company via email and have not heard a response yet. I am very concerned about my finical situation. I however had thought while making payments I was paying down the balance but it turns out I have not and it is just an extension to the loan.
Consumer complaint received 2023-09-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

I am writing to file a formal complaint against Midland Credit Management regarding their failure to respond adequately to my validation request, which I submitted in accordance with the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/2023, I sent a letter to Midland Credit Management via certified mail, requesting validation of the alleged debt they claim I owe, as well as specific information related to the debt. In my letter, I clearly outlined my requests in accordance with the FDCPA, including : 1. Clarification of the nature of the debt.

2. Detailed calculations leading to the stated amount.

3. Copies of documents demonstrating my agreement to the debt.

4. Verification or a copy of any relevant judgment, if applicable.

5. Identification of the original creditor.

6. Proof that the Statute of Limitations has not expired.

7. Confirmation of their authorization to conduct collections in my state.

8. Their license numbers and details of their Registered Agent or Agent of Service. 

Despite sending this letter via certified mail, I have not received any response that fulfills these requirements. Instead, I have only received an invoice or bill from the original creditor, which does not address the specific information I requested as per the FDCPA. 

This lack of response has left me concerned about the accuracy and validity of the debt in question and has impacted my credit report negatively. I believe this non-compliance with the FDCPA and the failure to provide proper validation is a violation of my rights as a consumer. 

I kindly request that the CFPB investigate this matter and take appropriate action against Midland Credit Management for their failure to respond to my valid and lawful request for debt validation. I am also requesting that Midland Credit Management be held accountable for any potential violations of the Fair Debt Collection Practices Act and any other applicable consumer protection laws. 

The amount of debt they claim was {$7100.00} which is reported differently at XXXX, XXXX and XXXX as {$7100.00} I appreciate your prompt attention to this matter and your assistance in resolving this issue. Please do not hesitate to contact me should you require any further information.
Consumer complaint received 2019-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/XXXX XXXX at XXXX I applied for an XXXX Card and didnt get accepted due to the fact that they couldnt verify my identity. Im not sure what that means or how I can fix it but all my information is correct. I have good credit. I tried fixing information to see if I got it wrong re doing the application got me denied for applying too many times. Not sure what I can do now. Thanks
Consumer complaint received 2019-11-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: JPMORGAN CHASE & CO. (DE)

Chase Bank reported me to the credit bureaus for a missed {$5.00} missed payment. I have been a customer of Chase for 11 years and never use this card. When I receive notification through my XXXX  credit monitoring service that Chase reported me for this missed payment I immediately paid it and attempted to speak with a Chase representative to have this taken off my credit report. I had no idea I had a missed payment because this card is so rarely used, and have never had a missed payment with Chase before this. They refused to remove this from my credit report, despite the fact that it lowered my credit score by 78 points.
Consumer complaint received 2019-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

XX/XX/2019 someone walked into another branch of Citizens ( another state from where I live ) and was able to present ONE ID and withdraw almost 10,000 out of checking and savings. It took Citizens five days to file the complaint ( it was a weekend and holiday ) and 10 days before we even had the affidavit sent to me. We have spoken with several people about this at the institution and were told that it clearly wasnt me who withdrew the money and we would be given a provisional credit. We are coming up on three weeks since the incident with no resolution. Horrible customer service! Horrible policies and did not protect me assets!
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2019-10-30
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)

I received an application for a American Express " Gold Delta Skymiles '' credit card, with a XXXX bonus mile offer ( I applied BEFORE the offer dropped to XXXX miles, after XX/XX/2019 ). When I tried to apply, American Express completely denied me that bonus offer. Their web site and customer service agents were unable or refused to provide the reason for this rejection, so I believe it may have been rejected unfairly due to the company 's receipt of my prior CFPB complaint # XXXX. 

Additionally, note that I was strongly dissatisfied with American Express 's response to that complaint. They stated that they were making changes to " comply with the law ''. That claim is absolutely not true, as there is NOTHING in the law that requires all parties to keep the existence of and all information about a dispute completely confidential. As I stated before, the ONLY purpose for forcing consumers into confidentiality PRIOR to entering into forced binding arbitration is to ensure that any highly embarrassing and widespread misbehavior is hidden from public knowledge. Lest anyone think I'm wildly out of touch with such an assertion, XXXX XXXX demonstrated exactly that type of embarrassing and widespread fraud by opening XXXX XXXX fraudulent accounts over the past several years. This is NOT a spurious concern.
Consumer complaint received 2023-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This student loan account listed as DPT EDXXXX Account XXXX XXXX XXXX & XXXX is listed multiple times on my credit report all with different information. This means this account information has not been properly verified under FCRA therefore it MUST be deleted. Furthermore, the account in question can not be listed multiple times this is adversely affecting my credit score and credit utilzation because of the high dollar of amount of each account. 

DPT EDXXXX Account # : XXXX XXXXXXXX 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 XXXXXX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2019-11-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In XXXX and XXXX of 2019, there was an error in the conduent loan computer system in which my acct was set up for automatic payments but they did not take out the payments for those two months. When I called in XX/XX/2019, I spoke with XXXX in accounting and was told that they would fix the error and update the credit bureaus with the correct information that I was not delinquent or late. I have filed complaints with the credit bureaus but they have not received any documentation from XXXX. When I tried to call XXXX back, the number is disconnected and they have moved my loan to another company.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/2023, I sent over several letters to Transunion disputing inaccurate information that I discovered to be on my credit report costing me {$80.00}. These inaccuracies are not a joke as this issue has prevented my family from being able to build our home amongst other devastating issues that has come up. I sent a letter to credit company asking them to review the data that they have on file for me to ensure that it is accurate and complies with FCRA and Metro 2 reporting requirements. I also ask that they send their written response to my home 's mailing address. 

As of today XX/XX/2023, I have not received any written responses in regard to my disputes that I sent in. According to USC 1681i ( a ) ( 1 ) ( a ) " if the completeness or accuracy any item of information contained in a consumer 's file at a consumer reporting agency directly or indirectly of such dispute, the agency shall conduct a investigation to determine whether the disputed info is inaccurate and record the current status of the dispute information and/or delete the item from the file before the end of the 30-day period. '' Transunion failed to follow this law.
Consumer complaint received 2019-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

To Whom It May Concern, Capital one advertises full fraud detection for charges not authorized by the card holder. Yet, after reporting multiple fraudulent chargers not authorized by me ( the card holder ) Capital One refuses to uphold their agreement issued in the card member agreement. 
Starting XX/XX/XXXX fraudulent charges were made up until XX/XX/XXXX. When we reported fraud the first and second time the representative did nothing about it except make a note that we are reporting fraud. They did not change the card number or lock the account. Therefore, fraud continued to be charged until the next day when I noticed more fraudulent charges. When I called the 3rd time and got ahold of a manager he resolved the issue and stated " we made a mistake on our behalf and did not cancel the card, that is why fraud continued to happen ''. I thought it was resolved after this conversation but on XX/XX/XXXX of 2019 Capital One put these charges totaling {$700.00} back onto my account. I immediately called Capital One to figure out why these were put back onto my card. They stated that they could not detect these charges as fraud and that I am responsible to pay for these charges that I did not make. I do not ever use this card and it is likely that my card information was stolen in the cyber hack they experienced in 2019. Knowing this they are still unwilling to help and uphold their agreement.
Consumer complaint received 2019-10-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (AZ)

Notified Credit Collection Services ( CCS ) on XX/XX/19 and again on XX/XX/19 that a debt they were claiming owed was incorrect from their client XXXX XXXX XXXX. CCS was claiming a debt of {$1300.00}, that their client XXXX XXXX said was owed to them due to me cancelling auto insurance services with them because they stopped taking payroll deduction payments. I notified XXXX of this issue twice. Once in XX/XX/2019, when I noticed that payroll deduction payments to XXXX were not being taken. I was told by the XXXX representative that everything was fine and I was in good status. I contacted them again in the beginning of XX/XX/2019, when the issue still wasn't corrected and asked why the issue wasn't corrected and again I was told I am in good status. I have been a customer of XXXX XXXX for many years and have always paid with payroll deductions with no problems. However, XXXX never once corrected the payment issue. It is against the law in the state of Arizona to not have auto insurance. I was forces to hire another insurance company on XX/XX/2019. On XX/XX/19, I even provided CCS with a supporting document that was sent to me from XXXX that shows the amount owed for five weeks of service coverage is {$490.00}. CCS continues to notify me of the {$1300.00} amount. CCS was informed that this is false representation of a debt amount.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

CapitalOne did a hard inquiry on my credit without my consent. Can you please remove this off my credit report immediately. Thank you. 
XX/XX/year> Application ID : XXXX Creditor : Capital One XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (AZ)

since XXXX 2019 Kia finance has been reporting me to the credit bureau as 30-60 days late, I admit that my payments are made after the due date due my hours being cut but never 30 days they are trying to use the late fee as the whole payment being late, I have try to change my due date to avoid these fees, when I make my payments I pay more than the amount of my car payment try to take care of the late fees, I have never heard of a company reporting late because of the late fees its not fair and its messing up my credit I ask them to send me a copy of all my payment and everytime I call they says its in the mail but after months and still haven't receive that's because they knpw that I have never went past 30 but again was late, so everytime that I make a payment I add a little extra to get the late fees taken care of.
Consumer complaint received 2019-10-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (NC)

A wire transfer was sent to American Express Savings Bank on XX/XX/2019 of approximately {$8.00} million to be credited to my account from stock sale proceeds. American Express refused to credit the funds to my account, insisting that they needed a confirmation from XXXX XXXX before they would credit the funds to my account. I am losing {$400.00} a day in interest and being treated like a criminal by American Express Bank. I have talked to people at XXXX XXXX, the bank that sent the wire transfer, and they stated that they have never heard of such a confirmation being required.
Consumer complaint received 2019-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I submitted complaints to all 3 Consumer Credit Reporting Bureaus including # 1.  XXXX, # 2. XXXX & # 3. Transunion about the inquiries they put on my Consumer Credit profile that I don't recognize Nore gave Permission to review my Credit. 

I sent them via Certified Mail and have my Receipts from Dates I sent them, I have not heard from them at all but I also explained that 2 of my past accounts were closed ( one in good standing ) but they are still Reporting Late payments 3-Months ( XXXX XXXX ) after the Account have been closed in Good Standing 3 Months prior, Another problem with XXXX XXXX
Consumer complaint received 2019-11-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (TX)

It shows on my credit report that on XX/XX/2019 a amount of {$710.00} is owed to ABILITY RECOVERY SERVI ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) .. I have reach out to the creditor multiple times asking them to remove the account out of my name because it doesn't belong to me ... the name that's on the account isn't even my full name.. I disputed it and even went and got a police report due to fraud.. and the creditor is still stating there is nothing that they can do because the account is sold to someone else ... It appears on my XXXX  and XXXX  Report. The debt was once removed and now its appearing back on my credit.