davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MI)

My account from chime bank has unauthorized charges on it totaling XXXX. Chime closed my dispute and has sent no documents on why the dispute was denied. They say they are unable to verify the transactions. I opened a rebuttal chime just sends scripted responses and is doing nothing to assist me and have not provided me with a provisional credit. This issue has been on going for almost a month. All the charges were made to the same merchant who I have never heard of. I believe chime never did an investigation and closed my case the day before they had to issue a provisional credit. As they will not send any documentation proving an investigation was done. I have repeatedly received scripted responses from chime with no resolution in sight. All I want is my XXXX refunded to my account as I have never heard of this merchant
Consumer complaint received 2024-06-17
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (TX)

A landlord at the XXXX XXXXXXXX XXXX  ( now called XXXX ) in XXXX, Oregon fraudulently and negligently charged us a maintenance cost upon move-out. I initially disputed the charges with the landlord/management team at XXXX XXXX XXXX I provided evidence that the company was illegitimately billing for these maintenance costs. The landlord/management company still fraudulently charged me. When I didnt pay the disputed bill they sent it to collections. 

The collection agency I.Q. International Data Inc. sent myself a collection letter. I disputed the debt in writting within 1 day of receiving the collections notice. The collection agency responded by just sending the original bill back to me not acknowledging that the debt was disputed. The collection agency still reported the disputed charges to the credit bureau. Now the collection agency will not confirm that they received my dispute letter even though I have the letter they sent back to me in response.
Consumer complaint received 2018-04-26
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. (IL)

TransUnion has failed to properly investigate the following issues on my credit report in accordance with the FCRA. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX never late INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX not mine
Consumer complaint received 2024-06-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (MI)

Dear Chase Bank, I am writing to request a correction for claim number XXXX, as a mistake has been made on Chase 's end. Here is what happened : - I placed six separate orders from XXXX XXXX  for beanies ( hats ) and other clothing. 
- I returned all six orders due to poor quality and I photographed the entire packing process.

- I was refunded in full for five of the six orders, but was only partially refunded for order XXXX. 
- I contacted XXXX XXXX  and they claimed that I only returned XXXX of the XXXX beanies. 
- I sent them photographic proof that I returned all XXXX beanies and they refused to refund me in full. 
- I opened up a charge back through Chase for {$760.00}. I was temporarily refunded, but over time, Chase ended up reversing every transaction.

Here are the documents I will attach : - Photo XXXX : An 18x18x18 box with beanies in four columns.

- Photo 2 : The 18x18x18 box with the flaps flipped up, making it an 18x18x27 box, filled with all 110 beanies.

- Photo 3 : The box fully packed and ready to ship.

- Photo 4 : A close-up view of the return label.

- The order invoice for order # XXXX. The transactions that I was not refunded for begin on page four.

- The email correspondence I had with XXXXXXXX XXXX 


In my claim, I provided photographic proof of an 18x18x27 box filled with 110 beanies. I explained that there were four columns of beanies and that each beanie is about an inch thick. The box is 27 inches tall. 27+27+28+28 = 110. I will provide those same photos again.

Whether through malice or negligence, XXXX XXXX stole {$760.00} from me. There's no information that Urban Outfitters could have provided that would contradict my claim. The only thing I can think of is that XXXX XXXX provided receipts of the refunds they sent me for the other XXXX orders and Chase mistook those for order XXXX. 

I've banked with Chase for years and have never had an issue. Chase is supposed to protect me from fraud, and I'm the one who has been defrauded. It's egregious and insulting.
Consumer complaint received 2024-06-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: Real Time Group, Inc. (CA)

XX/XX/XXXX received letter regarding zombie 2nd mortgage loan from Realtime Resolution which original loan was a XXXX XXXXXXXX XXXX HELOC loan that was originated in XXXX that was {$65000.00} at 8 % interest. Which I utilized a XX/XX/XXXX loan to purchase home. Payments were made on account. Realtime resolution is requesting {$140000.00} at 12 % interest rate for same loan for the remaining time frame of original loan. Realtime resolution is foreclosing on my home. I sent a qualified mortgage resolution letter to real time resolution to validate account in XX/XX/XXXX. Did not received correspondence within the 30 days of QMR letter sent to Realtime Resolution and received Notice of Default was sent on XXXX XXXX.
Consumer complaint received 2023-06-12
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. (FL)

I have repeatedly have been sending a XXXX letter to both XXXX and XXXX for the charge off accounts for XXXX XXXXXXXX XXXX XXXX to XXXX card and they have yet to remove these charge offs that have XXXX being sent and they fail to do the work to verify and then sent me letters saying they were verified when in fact these account have been deemed charge off and they have already been paid and I have been taxed on these accounts. I have repeatedly reached out and to no avail have they removed these accounts and how can an account that is considered income be reported and is against fcra regulations and violates the law set forth for these actions
Consumer complaint received 2024-04-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2023-06-12
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. (HI)

Since XXXX of 2023 I have sent out a 4 different sets of letters to the credit bureaus disputing late payments that are on my report. For some reason they are ignoring my disputes. I have asked for proof of late payment with a bank statement showing that I was ever late and they have not provided any information to prove I had any late payments. I attached the last letter I sent to the Credit B. Law clearly states that transactions should not be included on my credit report. 15 US code 1681a title definitions Rules of construction paragraph 2 of this title is titled exclusions of sub paragraph A Subsection I states that transactions are not included in the consumer report. These are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-12
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 2024-06-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MI)

I requested a XXXX XXXX relief refund XX/XX/year>. It has now been a year and Mohela still has been giving me the run around. They keep telling me XXXX business days. I wait and call XXXX business days later and they say they have to resubmit my refund and to wait another XXXX business days. I ask for documentation and they refuse to send it. 
They are unlawfully keeping my money from being returned to me. It was submitted at the correct time. I call and get different answers every time, feels like Im being lied to just to get me off the phone.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

Experian, Please see attached and below - I am unable to log into my account online.

I have tried calling your phone number and you make it impossible to reach anyone with all your prompts that do not work.

1 ) I want to be able to log into my Experian account online at www.experian.com 2 ) I want my Experian account to be a free account.

As of right now - I am not able to login online.

Please resolve as soon as possible. 

Attached are my drivers license, social security card, and address.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AR)

I have submitted several request for Experian to investigate a few inaccurate items on my credit report. Each time I am met with a notice stating We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with Experian for free. 

Even after contacting customer service as they requested, they have failed to properly investigate each item with no proof of verification.
Consumer complaint received 2024-06-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MI)

Hello, My loans were transferred from XXXX to MOHELA on XX/XX/XXXX. I wasn't notified that my loans were being transferred until I received a message from MOHELA on XX/XX/XXXX. Before my loans were transferred, I had made a payment of {$480.00} to XXXX towards XXXX XXXX XXXX on XX/XX/XXXX. Of the {$480.00} payment, {$3.00} was applied to interest, and {$470.00} was applied to the principal. Previously, the balance on XXXX XXXX had been {$1800.00}. After the {$480.00} payment, the new balance was {$1300.00}. The problem is that the loan balance in MOHELA ( listed as " XXXX XXXX '' instead of " XXXX XXXX '' ) does not reflect the {$480.00} payment, even after 235 days of waiting. I have screenshots of the {$480.00} payment confirmation on XXXX 's website, as well as the {$480.00} debit in my checking account with XXXX XXXX XXXX XXXX. My checking account statement reads that this transaction was completed on XX/XX/XXXX, the same day the loans were transferred. Where did that {$480.00} go? 

I have spent hours on the phone with both companies. XXXX responded to a CFPB complaint made in XX/XX/XXXX, and after talking on the phone with multiple supervisors, it was finally confirmed that the {$480.00} had been sent to MOHELA, and that I would have to discuss the matter further with them. During a phone call with a MOHELA representative on XX/XX/XXXX, I was told that the representative could see that my {$480.00} payment was made, but that it would take 90 business days to mature and be applied from the day of that phone call. 90 business days after XX/XX/XXXX was XX/XX/XXXX. XXXX additional business days have passed since then, and there is still no sign of the {$480.00} payment having been applied to XXXX XXXX. 

When can I expect this discrepancy to finally be resolved? MOHELA 's customer service has been comically abysmal. I've had my call dropped on multiple occasions after asking to speak with a supervisor. Who can I talk to, so that my {$480.00} can either be refunded to me or finally applied to XXXX XXXX as intended nearly over 7 months ago? MOHELA 's incompetence has been absolutely bewildering to me. How long until a class action lawsuit is brought up for malicious incompetence and mishandling of borrower money? 

Thank you, XXXX XXXX
Consumer complaint received 2024-05-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OR)

On XX/XX/year> I received a bill from from Mohela dated XX/XX/year> for the amount of {$2.00}, due on XX/XX/year>. On XX/XX/year> I received a bill from from Mohela dated XX/XX/year> for the amount of {$1700.00}, due on XX/XX/year>. Per Mohelas own company policy, they are to send notice of bills no later than 21 days prior to payment being due. 
I applied for loan consolidation through the XXXX XXXX XXXX XXXX on XX/XX/year>, at which time I selected the XXXX XXXX plan. Per the XXXX website this XXXX plan is still under review. 
Complicating matters, my MOHELA app shows that my account balance is {$0.00} and the total due is {$0.00}, which is at odds to Mohelas website.
Consumer complaint received 2024-09-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (MI)

Mr. Cooper is servicing my mortgage. They offer a biweekly payment program ; however, they do not apply the payments when received. They leave the payment as unapplied funds until the full monthly payment has been made. In essence, they are still applying payments on a monthly basis versus a biweekly basis. This defeats the purpose of making biweekly payments. I dont feel this was properly disclosed or in accordance with how the majority of consumers would interpret a biweekly payment program.
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

XXXX XXXX Account Number- XXXX. I just received my credit report. I noticed you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a pas due balance of {$2600.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account upon completion
Consumer complaint received 2024-05-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: LD Holdings Group, LLC (CA)

The underwriter went over the top with multiplicious requests for the same information. I had to write a letter justifying why I was buying in this city ( provide a birth certificatereally ) to prove I was born in this city. Then, after a fiscal torture our mortgage agent quit out of frustration. We got a new loan officer midstream and a new underwriter and we closed a week later. Then, magically we received a letter from the IRS saying they were going to audit us. This agent, XXXX XXXX, violated and abused us through the underwriting process.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 


XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX Balance : {$640.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/year>
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

PLEASE SEE ATTACHED I recently checked my credit report and noticed a inaccurate account and inaccurate personal information. Per the attached I have made multiple attempts to the company with no response and or updates to my report.
Consumer complaint received 2024-05-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (CO)

This XXXX loan was specifically acquired to attend The XXXXXXXX XXXX on XX/XX/04. I've always managed to stay on top of it but recently have become unemployed due to the lack of job opportunities within XXXX XXXX and due to constant job outsourcing because of foreign subsidies. In this case I have asked and requested American Education Services many times for some sort of help in the form of forbearance or temporary pause but have not received any help whatsoever to my lack of employment. Most recently in light of the my borrowers defense approval, my federal loans have been completely XXXX and credit repaired due to crimes committed my XXXX and XXXX XXXXXXXX XXXX, found guilty in many cases and subsequently closed down. I submitted an email requesting a school misconduct XXXX  loan discharge from American Education Services, which they also refused me. In this case of all the legal precedence against XXXX XXXXXXXX XXXX, the federal Borrowers Defense approval and the provided FTC holder rule, this loan acquired for these found criminal institutions ( including private ) are ill gotten due to seller misconduct. In the meantime, American Education Services still refuses to provide even a forbearance, while destroying my credit and cause undue harm while I'm unemployed.
Consumer complaint received 2023-07-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

An application was submitted for a mortgage modification. For the past three months the account has been under review for mortgage assistance. Though there was a point of contact assigned to the case, XXXX XXXX, I did not hear from him until the complaint was filed with the XXXX. Prior to that time, I was calling and leaving voice messages but there was no response from him. I was also leaving messages in the account portal. There was never any clear or concise information about the loan ; just told it was under review. Just a complete runaround experience! Then the application was allegedly denied but then I was told that information was incorrect and that the application was still under review. During this time, my credit was being adversely affected. When I initially inquired about this, I was told that it was at the lenders ' discretion to report the late payments- which didn't make much sense since I was obviously in dire need of mortgage assistance. However, after speaking with the XXXX XXXX Department, I was advised that the adverse reporting would be reversed once the application was approved. It has now been approved and in light of this unsatisfactory application process that prompted a XXXX complaint, I am requesting for the negative reporting to be removed from my credit profile.