davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (GA)

On XXXX at XXXX ... {$7000.00} was fraudulently transferred from my Chime savings account to an unknown XXXX account. I have filed disputes with Chime, XXXX, the Federal Trade Commission, XXXX, and the police department. 
Someone please help me.
Consumer complaint received 2023-03-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC (PA)

I have an auto loan from Westlake Financial Services on my credit report for an auto loan that is not mines. I do not have a vehicle nor a drivers license. I contacted the company and they directed me to complete an identity theft affidavit.
Consumer complaint received 2023-09-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CENTRAL BANCOMPANY, INC (MO)

I've been a client @ Central Bank for over 20 years. A few years ago I noticed I was being charged a {$5.00} mo fee on a free checking account. I inquired about it & was told it was for XXXX XXXX. I tried canceling XXXX XXXX & stopped using it but continued being charged the fee. It took me a few months and many emails & phone calls to discover that I would continue being charged as long as I had any Payees listed on my account. I deleted everything & told them I do not want this service. I felt it was misleading & hard to opt out of. Well last month I noticed that fee has returned. I inquired & was told it was for XXXX XXXX & that I signed up for it 3 months ago. I never used the service again & there were no payees listed in my account. I did not sign up for that service. I can pay my bills free directly from the creditors website. That's what I was doing. They added this service without my knowledge & thought I would not notice the fee for months like the last time. This is a very deceptive practice.
Consumer complaint received 2024-09-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

XXXX XXXX then CEO of XXXX XXXX XXXX part of RBS entered into a fraudulent mortgage scheme with XXXX and XXXX XXXX to defraud me of {$2.00} XXXX and my home. He bought 30 % of XXXX XXXX in XX/XX/2005 XXXX XXXX made {$60.00} XXXX on this and other fraudulent mortgages. 

XXXX made an agreement with the NY AG and the DOJ to pay retribution on these fraudulent mortgages XXXX but I have not received XXXX cent even though my mortgage is on the list. 

How he did this is explained in the book 'XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ' by XXXX XXXX et al at XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-09-01
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC (MO)

Westlake financial sent XXXX XXXX to repo vehicle on XXXX XXXX I never received a letter from them that the vehicle was up for repo or a letter on how to collect the vehicle But received a letter from Westlake financial that they were selling the vehicle on XX/XX/year> I performed did heated nothing form Westlake financial.
Consumer complaint received 2019-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (CT)

My interest rate jumped on two of my credit cards, the only two I have with Chase bank. My payment doubled overnight. I've been trying to make the payments, but it's hard because I don't work overtime any longer. I am recovering from XXXX. I told Chase this on 3 occasions and asked for a temporary interest reduction to allow me to catch up. They flatly refused stating they would close the account and bring the interest to zero -- but they know and I know that would mess up my credit to debt ration even further. I am asking for advocacy and intervention on this matter. I am a citizen of the United States. I am XXXX years of age and a single mom. My father is a XXXX XXXX veteran whom served a tour with the XXXX XXXX. I have no criminal or motor vehicle record of any kind. Despite being a good debtor this bank has decided to act against me, even though I have a medical hardship.
Consumer complaint received 2019-06-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

I have been harassed, treated with litigation & others by Midland collection, Midland Funding LLC,  Midland Credit Management. These Companies have different ( but the same ) Every year since XX/XX/XXXX. The History is as follow : XXXX by Midland Collection Agency XX/XX/XXXX XXXX by Midland Collection Agency XX/XX/XXXX XXXX by Midland Funding LLC XX/XX/XXXX XXXX by Midland Credit Management XXXX XX/XX/XXXX XXXX by Midland Funding LLC XX/XX/XXXX XXXX by Midland Credit Management XX/XX/XXXX I have been sue by these Credit Collection Companies for the since XXXX. Please I need these to stop. 
As you know in the State of Texas one can not by sue after 4 years. Every time is the same : I apologized it was someone else. Please stop Please get theses companies to stop
Consumer complaint received 2024-08-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (CA)

I hope this letter finds you well. I am writing to formally lodge a complaint regarding a distressing situation I have encountered with my mortgage lender, Mr. Cooper, also known as Nationstar Mortgage. As a XXXX veteran XXXX XXXX, I have been faced with numerous challenges in my pursuit of assistance, and I believe that I have been discriminated against based on my status as a veteran and my XXXX. 

I am currently at risk of losing my home, with a forced sale scheduled for XX/XX/year>. Despite my numerous attempts to communicate with Mr. Cooper about obtaining a loan modification and other forms of assistance, I have experienced consistent barriers and a lack of support from their representatives. I have called multiple times, pleading for help and explaining my situation, but my requests have been met with indifference and rejection. 

It is particularly disheartening that Mr. Cooper has not only refused to assist me but seems to have disregarded my circumstances as a XXXX veteran entirely. The stress of this impending sale is compounded by my condition, which affects my ability to navigate these challenges effectively. 

I would like to bring to your attention the following points : XXXX. **Lack of Assistance** : Despite being a long-standing customer and having a legitimate request for a loan modification, Mr. Cooper has consistently denied my applications without providing adequate explanations or alternatives. 

XXXX. **Discrimination** : I believe that my status as a XXXX veteran has played a role in the lack of support I have received. The treatment I have endured feels discriminatory and unjust, as I am entitled to fair treatment under the law. 

XXXX. **Risk of Homelessness** : The imminent sale of my home poses a severe risk to my well-being and stability. I urge your office to investigate this matter thoroughly and provide guidance on how I might rectify my situation. 

I kindly request your assistance in addressing this grievance with XXXX XXXXXXXX XXXX. Moreover, I hope that my experience can contribute to better practices and policies for assisting veterans like myself in the future. 

Thank you for your attention to this urgent matter. I look forward to your prompt response.
Consumer complaint received 2024-08-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: First Technology Federal Credit Union (NC)

I applied for a online checking account with First Tech Credit Union. 
After several weeks they asked for copies of my valid government id card, being a N.C. driver 's license, and SSA card.

I included my valid U.S. passport, as well. 
Then, I received an email that my application was declined, and to contact XXXX. 
I have an XXXX account, and this is a sham, as XXXX has all of my records that match what was sent to First Tech. 
XXXX has nothing to do with this. 
They did the same thing to my wife.
Consumer complaint received 2024-08-08
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: GOLDMAN SACHS BANK USA (MI)

I discovered XXXX XXXX XXXX  checking account ACH withdrawl/tranfers to an account at Goldman Sachs ( which I did not authorize. Nor did I open the Goldman Sachs account ). XXXX 's Theft Investigator learned that an account was opened at Goldman Sachs in my name. The amount taken was {$53000.00} on XX/XX/year>. It was returned to my account on XX/XX/year> thanks to XXXXXXXX XXXX  investigator 's involvement. XXXX learned today that Goldman Sachs flagged the fraudulent account as suspicious and closed it.
Consumer complaint received 2024-08-05
Product: Mortgage — Manufactured home loan
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Shellpoint Partners, LLC (KS)

On XX/XX/XXXX we requested a partial release from Shellpoint Mortgage. We were told no more than 30 days to process. 30 days later we were told there was a Gap in the assignment chain and they were sending off for it to be resolved. XXXX went by with no changes. We were then told at the beginning of XXXX they had received the document and would be sending all documentation off to the county to be recorded and we would be good to go. I was in contact with the county and it took almost 2 weeks for them to receive it. Once received they never sent the partial release. Only a new assignment of mortgage. Were now over 60 business days and over 90 calendar days since the original request and nothing has changed. Weve called and emailed repeatedly with no success. I would never recommend this horrible company to ANYONE FOR ANY REASON!!
Consumer complaint received 2018-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (NY)

American Express put my name and address on a XXXX/XXXX along with family members which is preventing me from accepting credit cards. I don't owe the company any money and this list of there's is inaccurate and discriminate.
Consumer complaint received 2019-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cornerstone Holdings, Inc. (AK)

Cornerstone Credit repeatedly calls my phone regarding a debt they claim I owe. I paid the debt through the original creditor ( XXXX XXXX ) and have given that information to Cornerstone Credit, which they acknowledge the debt was in fact paid and they can not report anything to my credit report because it was paid through original creditor. They repeatedly call me to pay their fee, which the bill should never have been sent to them in the first place. I have requested they stop calling, which they do, then start calling again 2 months later.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-06-26
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. (FL)

I HAVE BEEN REPORTING TO THE CREDIT BUREAUS THAT THERE IS A DEROGATORY ACCOUNT REPORTING ON MY CREDIT FILE THAT DOESNT BELONG TO ME. AFTER PULLING ALL THREE OF MY CREDIT REPORTS I NOTICED A XXXX  XXXX REPORTING ON MY REPORT THAT IS NOT MINE. I DISPUTED THIS AND THE CREDIT BUREAUS ARE VERIFYING THAT THIS ACCOUNT IS ACCURATE. I REQUESTED THEM TO SEND ME THE CASE INFORMATION I CONTACTED THE COURT AS WELL TO FIND OUT WHAT IS GOING ON BUT THE XXXX XXXX COURT SYSTEM HAS NO RECORD OF THIS CASE IN THEIR DOCKETS. 

I REQUESTED THE CASE FILES BEHIND THIS BANKRUPTCY BECAUSE THE COURT DOES NOT HAVE THIS IN THEIR DATABASE SO IM NOT UNDERSTANDING HOW THE CREDIT BUREAUS ARE VALIDATING THIS AND CONTINUOUSLY REPORTING THS ON MY CREDIT FILE. I XXXX THE INFORMATION AND A COMPANY NOT AFFILIATED WITH THE COURT SYSTEM SHOWS THE INFORMATION ON MY CREDIT FILE BUT HAVE NO SUPPORTING DOCUMENTATION OF THIS BANKRUPTCY CASE. THE CASE NUMBER THEY ARE REPORTING IS XXXX THIS IS'NT A CASE NUMBER THAT I AM ABLE TO LOCATE IN THE COURT SYSTEM. 

THE COMPANY NAME PULLS UP AS PUBLIC INFORMATION SERVICES WHICH IS A COMPANY THAT PROVIDES CONSULTING SERVICES IN CALIFORNIA. 
I HAVE NO AFFILIATION WITH THIS COMPANY AND I AM UNSURE HOW THEY WERE ABLE TO HAVE ACCESS TO MY PERSONAL INFORMATION AND CREDIT FILE. THIS IS A VIOLATION OF MY CONSUMER RIGHTS UNDER FCRA LAW. HOW ARE THE BUREAUS ABLE TO REPORT THIS TO MY CREDIT FILE WITHOUT PROPERLY VALIDATING WITH THE SOURCE.
Consumer complaint received 2024-08-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (MD)

I continue to receive erroneous Statements regarding payments made, fees and charges being applied by the company. I have submitted a complete list of monthly payments made and questions regarding their lack of response and delivery of necessary information to determine their errors in servicing my account.
Consumer complaint received 2024-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (AZ)

On XX/XX/XXXX my Chime account was closed. Chime informed me that I will be receiving a closure check for the remaining funds in my account. I moved to a new apartment and contacted Chime to provide my new address. Chime requested that I upload documentation showing my new address. I uploaded the documentation they requested, and they informed me that my check will be mailed to my new address and will be shipped priority mail with tracking information. 

Nearly XXXX months later, I still do not have my money. I have contacted Chime XXXX  times via phone and email. I was told my check was printed on XX/XX/XXXX, but no further information could be given. I was told that they do not have any tracking information. I contacted Chime again and was told that I had to wait another XXXX business days before they could reissue my check. It has been more than XXXX business days, and I requested a new check be mailed to me again. No response. 

At this point I'm convinced that Chime has no interest in returning MY money and is robbing me. I understand that action was recently taken against Chime for this very thing, intentionally delaying refunds and closure checks. I have not been able to pay rent or my general bills due to this. 

Chime needs to be held accountable for withholding customers money. I want my check NOW!!!
Consumer complaint received 2023-04-11
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc. (UT)

IC System has been calling me every day for weeks. This is allowable. However I have answered the call 2x. The first time the call took several seconds to connect then once connected it dropped immediately ( XXXX ) - a violation of the TCPA worth {$500.00} minimum as it is apparent they are using an autodialer. Today I answered the call and the agent refused to identify herself and failed to provide the miranda statement after asking for my wife. 

I called back and the agent told me they do not have to identify themselves unless they know who they are calling. I escalated to a supervisor who LITERALLY tried to collect a debt without giving the miranda after finding out who I was, I hung up on the call.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Experian will investigate this account for me to ensure accuracy Here is the account I am asking you to verify is accurate. XXXX - XXXXXXXX XXXX  # XXXX Open XX/XX/year>
Consumer complaint received 2019-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (NC)

My bank is PNC bank over the course from XXXX of this year to XXXX they have reversed credits they gave me while doing investigations on fraudulent activities. Upon further investigation of my own looking at my bank statements.The bank has deducted over {$900.00} worth of fees ( their wording reversals ) too many! Some of the charges were duplicated and even tripled! When I asked for proof of documentation by a representative of how these fees are valid I was told they would get back to me and they have yet to do so! My phone wont let me download more pictures but I have more evidence to support my statement.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

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