davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Chime Financial Inc (IL)

I have been having issues with Chime for a week. This started XX/XX/2023. I was expecting my last check at my previous job. Chime offered a Credit Card builder which I signed up for. I haven't put any money on it because I was waiting to start my new job where I make enough. The bank automatically sends your direct deposit to your Credit Builder. I usually transfer my funds to my Checking Account but since I was not able to get into the App itself I could not transfer. For a whole week almost everyday I have been trying to get a hold of people from Customer Service and nobody was able to help me or listen to me. They all kept telling me to Reset my password and even sent me links to my phone which I explained to every person I talked to that it's not working. A Error promos up saying that the Email and Password combination on our account do not match. However, I was still able purchase with my Debit card linked to my checking account. I tried to report fraudulent activity with my last call but each person I spoke to said my account was in good standing so they don't know why I can't access my account. I get the links sent directly to my Email and Phone so I know my account is matched and they were able to pull it up with my Social Security number to verify that my account was active. I thought I lost my Credit Card so I had them issue me a new one. I asked them several times to transfer the funds to my Credit Card to my Debit so I can at least use it but each person I talked to said they can't access that. For whatever reason, the App itself is not working and they're not giving me the money that's in my account or making it easier for me to access it. This has been going on for over a week now and I already threatened to initiate a lawsuit for neglecting my consents with the possibility of my account being hacked since nobody will give me direct answers or help me.
Consumer complaint received 2024-10-06
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Sunrise Credit Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Validation of Debt Dear Sir/Madam, I have recently pulled my credit report and noticed that there is a collection listing from your agency. I am aware that you purchased this debt for a fraction of its original value, which is a common practice in the debt collection industry. I have never been notified of this collection or that I owed a debt. This letter is to inform you that I have the right to request a validation of this debt and your ability to collect any payment from me. I ask that you prove that I am indeed the party who is contractually bound to pay this debt or stop collection activity and remove it from my credit report immediately. 

I demand that you provide me with the following documentation ; 1. A valid contract, signed by me, explicitly authorizing you to purchase this debt in my name and report it to my credit report.

2. A copy of the letter you sent to me informing me of the alleged debt and granting me the opportunity to dispute it before reporting it to my credit report.

3. A signed contract or agreement between myself and your company, clearly stating the terms and conditions of the debt.

4. Documentation proving that your company is authorized to collect this debt on behalf of the original creditor.

5. Detailed statements outlining the amount owed, including any interest or fees that have been added.

It is essential that you provide this information promptly to avoid any further legal action. I must emphasize that I have never contracted with your company, and therefore, I am not obligated to pay any debt to you. Continuing to harass me with claims of a debt that I do not owe is a violation of my rights under the FDCPA.

If you fail to provide the requested documentation within 10 days of receiving this letter, I will have no choice but to consider this matter resolved and will take appropriate action to protect my rights. This may include filing a complaint with the Consumer Financial Protection Bureau and seeking legal counsel to address your company 's unlawful debt collection practices.

I strongly urge you to comply with my request and provide the necessary validation of the debt. Failure to do so will only further demonstrate your company 's disregard for the law and will result in severe consequences.

Please consider this letter as my final attempt to resolve this matter amicably. I expect a prompt response from your company, confirming receipt of this letter and providing a detailed plan of action to address my request for debt validation.

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX All Rights Reserved
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Consumer Portfolio Services, Inc. (SC)

I am writing to formally request the deletion of certain charged-off accounts from my credit report under the provisions of 15 USC 1681 ( e ) B. According to this statute, debts that have been charged off are considered by the IRS to be canceled or forgiven, and thus should not be reported as outstanding liabilities on my credit report.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

XXXX received a complaint letter and retaliated by informing three credit bureaus of a disagreement regarding unpaid XXXX items. However, the claim is false as the items were purchased on XX/XX/2024, and payment was made to XXXX on XX/XX/2024. A redacted copy of the monthly statement is attached as proof that there is no outstanding debt to XXXX or XXXX for the merchandise.
Consumer complaint received 2024-10-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois, nearby [ XXXX ] Portfolio Recovery Associates XXXX XXXX XXXX XXXX, VA XXXX Subject : Request for Validation of Debt Dear Sir/Madam, I have recently pulled my credit and noticed that there is a collection listing from your agency. I have never been notified of this collection or that I owed a debt. I am aware that you purchased this debt for a fraction of its original value, which is a common practice in the debt collection industry. This letter is to inform you that I have the right to request a validation of this debt and your ability to collect any payment from me. I ask that you prove that I am indeed the party who is contractually bound to pay this debt or stop collection activity and remove it from my credit report immediately. 

. I demand that you provide me with the following documentation XXXX. A valid contract, signed by me, explicitly authorizing you to purchase this debt in my name and report it to my credit report. 
XXXX. A copy of the letter you sent to me informing me of the alleged debt and granting me the opportunity to dispute it before reporting it to my credit report. 
XXXX. A signed contract or agreement between myself and your company, clearly stating the terms and conditions of the debt. 
XXXX. Documentation proving that your company is authorized to collect this debt on behalf of the original creditor. 
XXXX. Detailed statements outlining the amount owed, including any interest or fees that have been added. 

It is essential that you provide this information promptly to avoid any further legal action. I must emphasize that I have never contracted with your company, and therefore, I am not obligated to pay any debt to you. Continuing to harass me with claims of a debt that I do not owe is a violation of my rights under the FDCPA. 

If you fail to provide the requested documentation within 10 days of receiving this letter, I will have no choice but to consider this matter resolved and will take appropriate action to protect my rights. This may include filing a complaint with the Consumer Financial Protection Bureau and seeking legal counsel to address your company 's unlawful debt collection practices. 

I strongly urge you to comply with my request and provide the necessary validation of the debt. Failure to do so will only further demonstrate your company 's disregard for the law and will result in severe consequences. 

Please consider this letter as my final attempt to resolve this matter amicably. I expect a prompt response from your company, confirming receipt of this letter and providing a detailed plan of action to address my request for debt validation. 

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX UCC 1-308 All Rights Reserved
Consumer complaint received 2024-10-16
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Danco Financial Services, LLC (FL)

I received a letter in the mail stating garnishment. I bought the car back in XXXX and it was repossessed in XXXX a day before I started a new job and i asked them for more time and they told me it was nothing they could do, and they sold it months after that, they still trying to garnish my wages for XXXX. I asked them how come I have to pay for a car that I no longer have after all of these year, and they couldn't explain it to me. They also took me to court in XXXX and they agreed that I would pay half of that amount and now they want me to pay the whole amount and garnish my wages.
Consumer complaint received 2024-09-24
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

The credit card company has started charging me a fee for paper statements that I never agreed to. They said that they had sent a letter to me which I never received telling me that unless I opt out of receiving paper statements that I will be charged for the paper statements. They have put my account in arrears and charged a late fee for the amount not payed for the paper statements. I never agreed to this charge. I have not used this card for anything other than the original purchase of the sleep number bed.
Consumer complaint received 2024-09-09
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: EQUIFAX, INC. (GA)

I am writing to formally dispute and request the removal of unauthorized inquiries on my credit report. After reviewing my report, I noticed the following inquiries that I did not authorize and have no knowledge of. As these inquiries were made without my permission, I ask that they be removed immediately per Law 15 U.S.C 1681N XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXL XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to formally dispute and request the removal of unauthorized inquiries on my credit report. After reviewing my report, I noticed the following inquiries that I did not authorize and have no knowledge of. As these inquiries were made without my permission, I ask that they be removed immediately per Law 15 U.S.C 1681N XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

An account is being reported from XXXX XXXX on my TRANSUNION credit report only and I have never used or authorize this company or have any business with this company. 

This account was open on XX/XX/year> as stated by the company.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KS)

I payed my remaining loan balance off with XXXX payments in XX/XX/XXXX. On XXXX I payed a single loan off with a {$6600.00} payment. On XX/XX/XXXX, XXXX drafted another payment of {$230.00} after I had requested cancellation. That amount included a payment of {$79.00} to the loan I paid off on XXXX. Frustrated, I made a final payment on XX/XX/XXXX of {$13000.00} to pay off the remaining balance on all of my loans. XXXX still has not paid me back the overpayment of {$79.00}, and has not updated my credit report since XXXX, so my loans still show a balance of over {$20000.00}. I've called XXXX, and their response was to say my payments were made in XXXX not XXXX ( untrue ) and I needed to wait 30 days. When I told them it had already been 30 business days since the date they said I made my payments ( XX/XX/XXXX ), the rep basically said I just needed to wait. 

On XX/XX/XXXX, I submitted a complaint on studentaid.gov and have not received a response or notification that my complaint is being investigated. 

On XX/XX/XXXX, my transunion report changed to show that I owe XXXX {$79.00}. The other agencies are not showing an update. 

On XX/XX/XXXX, I filed a dispute with Experian and XXXX. XXXX verified a balance of over {$20000.00} with Experian almost immediately, and my dispute was denied despite the fact that I uploaded documents from XXXX stating my accounts were paid. My credit report now states that I'm in good standing, but my balance is the same as it was in XXXX of XXXX.
Consumer complaint received 2021-07-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

I have contacted the companies below via US Mail to first validate the date and then to offer a settlement amount so that I can be rid of these derogatory marks. After disputing with the three major credit bureaus, the debt comes back verified by their standards each time, however the collection agencies have not provided any documentation of the debt validation to me. In addition, I have mailed a letter requesting a settlement of the debt and they will not respond. The collection agency must respond within a certain timeframe in order to validate the debt and it appears that they can just continue to ignore my efforts to confirm what these debts are for and to come to an agreement on satisfying them. The most recent letters were mailed on XX/XX/XXXX. Previous letters were mailed XXXX, XXXX and XX/XX/XXXX. XXXX and XXXX has reported under several different names, including XXXX XXXX, XXXX and XXXX XXXX. This agency also continues to add additional amounts to the debt every few weeks, when is it obvious that I do not owe this company a dime and have never had any contracts or communication with them. 

XXXX and XXXX XXXX XXXX XXXX XXXX, TN. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX
Consumer complaint received 2024-08-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (WA)

I ordered electronic equipment from XXXX XXXX using Affirm as the payment method on XX/XX/year>. By XX/XX/year> I had still not received any shipping info from XXXX XXXX and contacted the seller for info. The seller said it would be generated by the end of the week, but that did not happen. I wrote the seller back on XX/XX/year> asking to cancel the order and I never heard back. I went to Affirm at that point and provided all the email correspondence. Affirm took many days to process my claim and denied the refund citing a lack of evidence.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I recently tried to receive my credit reports from annual credit reports.com and on multiple occasions i was denied by Trans Union and XXXX. I tried again XXXX and i continue to be denied access to my credit reports.
Consumer complaint received 2023-03-29
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.
Consumer complaint received 2024-10-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

I submitted an application for the XXXX plan over the summer. I went in to Mohela to check on the status because I had gotten a past due notice and I was not enrolled in XXXX but in an different payment plan. I sent a secure message asking why I was not enrolled in XXXX and in deferment because of XXXX 's current legal status. They responded that it was to complicated to discuss by email and I needed to call in. I have called repeatedly and am on hold for hours. 

Now my account is being transferred to a new system, so I can not view it and can not get someone on the phone. I wanted to submit a new application for XXXX since Mohela 's website does not let you see past applications and was concerned they would say I had not applied. Since my account is being transferred to the new system, I could not submit a new application online. 

I faxed a new application along with my paystub today since today is the deadline just to be safe. I have a saved copy of the fax coversheet confirmed it was sent and a copy of what I sent. 

Could you help me resolve this so I can enrolled in XXXX  and payments are deferred? 

Thank you, XXXX
Consumer complaint received 2024-10-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BARCLAYS BANK DELAWARE (TX)

Barclay bank make me paid for scam like XXXX insurance XXXX XXXX XXXX agent plus XXXX interest charges total of {$1300.00} for them. XXXX got their money not me. Barclay should call XXXX to ask for money back or bill them. Please dont bill it to me. Thank you for resolving!
Consumer complaint received 2015-10-30
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC (PA)

I have had a 30 year fixed mortgage for about 7 or 8 years ; the mortgage was serviced and or owned by XXXX XXXX XXXX simple principal and interest payment. On or about XXXX or XXXX of XXXX Nationstar Mortgage from Texas purchased my mortgage and then it began. The very first payment to Nationstar, I submitted my mortgage payment of {$1200.00} and Nationstar unilaterally decided to take from my mortgage payment {$62.00} for an escrow account, THERE ARE NO PROVISIONS IN MY MORTGAGE TO DO SO. So the writing campaign began - after several months they stopped tatking {$62.00} from from my regular payment but did NOT credit my account, therefore, from this time forward because of this my regular payments became late. I send to them each and every month my payment by Certified Mail and I have NEVER been late and/or missed any payments. I have in my possession copies of all my cancelled checks back to XXXX XXXX. Next fee to appear on my statement is a Property Inspection fee of {$60.00} - I live in Pennsylvania Nationstar is in Texas - when I inquired they wanted to make sure I was taking care of my hone! Next they " force '' me to purchase Flood Insurance for the year XXXX and XXXX it must be {$250000.00} - Flood Insurance is NOT in my mortgage agreement, I only owe {$140000.00} plus the courts have ruled you can not do so - I am a member of this Class Action ; did not matter I personally purchased Flood insurance approximately {$500.00} for each year. I have written to them by Certified Mail to Cease and Desist, delete all the fees, including the late charges, and to send me an " Amortized Statement '' of my mortgage account showing a straight principal and interest payment - to date they have refused. Requested an appeal procedure, such as arbitration, no response, no appeal procedure and no arbitration ; they just keep sending from letters, each time from a different person. I want to refiance my home because my interest rateis 8.9 % and I know it is NOT being caculated correctly ; with this on my credit record it is hopeless! Bacically, Nationstar " Unilaerally '' ignored the sign Mortgage Agreement and simple forced placed their " own '' rules.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next XXXX days. Enclosed are the pertinent documents for your thorough review and reference.