davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

FCRA 605B, I believe, mandates the removal of any erroneous accounts from my credit report. Could you review the documents? Some of the accounts listed contain inaccuracies in reporting, including incorrect amounts and dates.
Consumer complaint received 2024-05-29
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (TN)

I received a vanilla gift Visa card from a family member XX/XX/2024 for a birthday gift in the amount of XXXX dollars. I used a portion of the card for a purchase I made on XXXX XXXX 26for the amount of XXXX and on XX/XX/XXXX th I went to use the remainder of the balance on a purchase at XXXX XXXX but when the clerk applied the card as partial payment it took the full XXXX dollars because the charge from XXXX had not went through yet. I was afraid that I would end up with a overcharge either from XXXX or vanilla so I asked the clerk to cancel the order and I ended up paying for both the XXXX order and the XXXX XXXX order with my own Visa card. I waited a day and when I didnt see the credit of XXXX dollars back on my vanilla visa I called the XXXX XXXX store and they assured me that the sale was canceled and the card was never charged. So when I didnt see the balance on my gift card I called to see what was going on and the only option I could find because I couldnt talk to a representative was to file a dispute over the card. So I filed a dispute and they froze my gift card until the issue is resolved which to this day 92 days later has not be resolved. I cant get vanilla to respond to my emails and I cant get a number to call any to get this worked out. It seems to me they got their money and they could care less about getting my money back on the card so I can use it. The case number is XXXX and the email is XXXX. As a consumer it is very frustrating to have to deal with this company Im asking for your help in everting my money back on my card and getting it where I can use the card. I also would like to report this company and there practices to someone that can let people know to never use them. Thank you XXXX XXXX XXXX.
Consumer complaint received 2024-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l may review to see if this is actually an account that belongs to me.
Consumer complaint received 2024-04-26
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: Mr. Cooper Group Inc. (MO)

We show we were paid off in XXXX of 2023. They say we still owe {$96000.00}. They have been impossible to contact on the phone. We keep being directed by phone prompts, and no human picks up the phone. We contacted our attorney, and he was not able to speak with a human, and no one returned his phone calls. We are very frustrated and need immediate help. We continue to make payments, we receive a recorded message when our payment is one day past the due date, but not late. If they continue to call us with reminders, why can't they pick up the phone????? 

We received a history of our payments that shows NSM created an escrow account for payments we have personally made previously.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CBC Companies, Inc. (FL)

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with XXXX XXXX . Please prioritize this matter for prompt action. I have tried to email them, at Innovis Consumer Assistance XXXX XXXX XXXX XXXX, GA XXXX But I am not getting any response or completion of my request. I ahve also submitted the Innovis Credit Report Request Online form and NO SUCCESS. 
"
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (KY)

When i got my direct deposit deposited into my account. I was unable to make a transfer out of the account and my Citi blocked all transactions my account so i couldn't make a transfer. I have been trying to verify and tell them i have been the one making transactions on the account but I was told a reference number was sent to my address. But I'm yet to get any. I have waited for a month and they said they sent it three times. I have not gotten it even once. Now i have decided to close my account and have my check mailed to me since he account can't be useful anymore. 
I was told a letter was sent to my address on XX/XX/year>, XX/XX/year> and i also requested for another one when i called XX/XX/XXXX but i didn't get any letter. I want my account closed and my check delivered to me
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (IL)

On XXXX XXXX 2024 my account was compromised after I shopped at a XXXX XXXX I'm pretty sure my information was skimmed. I provided all this information to chime/XXXX they prompltey denied my first claim under 24 hours of filing it. Then waited for my second claim to dent right before a mandatory credit was supposed to be added back to my account I went thru numerous times with there support to remedy this they sent. A blank copy of why they denied the claim. They treated me awful.
Consumer complaint received 2024-04-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

My daughter and I opened a account # XXXX with Citibank in XXXX California in XX/XX/year>. I deposited a check from my XXXX in the amount of {$10000.00} to start the account in person at the bank. Within days we received an email that the account had been closed with no warning. They said it was due to some kind of fraud prevention? We called and basically were told there was nothing we could do. The XXXX check cleared and so I have been paying on a loan from my XXXX that I never actually received. We called again and were told again nothing could be doen and that after 3 months we would get a letter! It has been 6 months and we haven't received anything and they took my money! They have not even tried to give me my money back. This is theft!
Consumer complaint received 2024-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CT)

This debt was put into collections and ruined my credit on all XXXX credit bureaus and they refused to provide original documents attaching my name to the debt. Refused to provide me with proof the debt was mine. I told them my attorney would be reaching out and was going to proceed with legal action after 6 months of fake reports. Then they removed the collections debt from all XXXX debt XXXX. Now it has shown up again under a different debt XXXX name with the same debt. This is not my debt. They can not prove that it belongs to me. They have violated my rights. All of their business practices are illegal
Consumer complaint received 2024-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This company is practicing willful non compliance I have contacted this company several times by certified mail detailing this company is illegal and wrongful practices. My rights have been violated on several occasions from this company. This company has furnished data on my consumer report related to several accounts that I have already communicated to them is incorrect. This company is also responsible for furnishing negative negative and derogatory remarks on my consumer report. I have written this several letters and documents. I have filed complaints with the consumer. XXXX XXXX XXXX I have done FTC affidavits and still this company has refused to remove this information. By law they have 30 days to respond to me in detail their explanation for furnishing this data now that it has been several months later, I have still never received any proof of validation Nor have I received an explanation as to why they continuously furnace this negative data on my behalf without me ever giving them any permission. 

The negative accounts on my consumer report are as follows : XXXX XXXX XXXX Account Number XXXX Updated XX/XX/XXXX XXXX, XXXX Payment Status Charge-off Bad debt/collection Balance {$130.00} Credit Limit {$170.00} Credit Utilization 75 % 30 days XXXX XX/XX/XXXX, XXXX, XXXX. XXXX, XXXX 60 days late 90 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX BANK XXXX XXXX. 
Account number XXXX Account status Open Balance {$430.00} Balance updated XX/XX/XXXX Original balance {$430.00} Company Name XXXX Bank Account Number XXXX Closed Date XX/XX/XXXX XX/XX/XXXX Open Date XX/XX/XXXX XXXX, XXXX Last Activity XX/XX/XXXX XXXX, XXXX Terms 24 Months Scheduled Payment {$0.00} High Balance {$720.00} 30 days late XX/XX/XXXX, XXXX, XXXX. XXXX, XXXX 60 days late XX/XX/XXXX The laws that have been on my consumer report as followed : XXXX XXXX XXXX XXXX CFR XXXX XXXX CFR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Code XXXX XXXX XXXX Code XXXX XXXX XXXX XXXX XXXX XXXX XXXX l, XXXX XXXX XXXX. 
The Privacy Act of XXXX I demand compensation for these continuous violations of my rights and my consumer laws. Which I am entitled to based on the law and codes designed to protect me the consumer. 

This is a case of willful non compliance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-29
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 (AZ)

Unauthorized payments have been made to my mortgage company by phone. I have autopay on this mortgage on the XXXX of each month. They keep telling me I've been calling in to make the payments and I have NOT. Each time they do this, it over draws my bank account. This happened 3 times in XXXX and then again today. They can't tell me who is calling or what number they are calling from. I even added a password that they would have to use if someone called in. 

They don't seem to want to help or prevent any future unauthorized payments. Please help me!!!
Consumer complaint received 2024-05-30
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: Specialized Loan Servicing Holdings LLC (FL)

I have a conventional home loan that was transferred to Specialized Loan Servicing for handling and loan processing. I made one or two payments and when I went to make this month 's payment just now their website is completely down and their phone numbers aren't working. I'm trying to pay my mortgage and there is no way to reach anyone.
Consumer complaint received 2024-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Select Portfolio Servicing DOES NOT WANT TO SERVICE MY LOAN by check. They send the statements out LATE every month. I have complained about this repeatedly, to no effect. I resorted to making the payment IMMEDIATELY after receiving the statement, generally THE SAME DAY. I know they want late fees. Last month, I received my statement on XX/XX/year> ( due XXXX ) and paid it immediately. SPS claims not to have gotten the payment and has charged me {$120.00}. I KNOW I sent the check and I believe it is sitting around their office somewhere. It regularly takes them until the last possible day ( the XXXX ) to process my mortgage payment. I HAVE COMPLAINED ABOUT THEM REPEATEDLY and no one will help me hold them accountable. THEY ARE THIEVES. I shouldn't have to pay online so they can " leak '' my PII to the dark web. I want them to do their job and I want the late fee reversed.
Consumer complaint received 2024-04-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: North American Credit Services (NC)

I checked with XXXX before my treatment to verify the costs. They assured me the costs would be the same as they were from my previous healthcare provider. I paid the balace due according to the facility I was receiving treatments each time I went there before my treatment. The only way I knew I owed more than the facility was charging is I checked my patient portal for test results and saw a balnce due. My point is they lied to me before I behan treatment there telling me the costs werte the same. Then after charging me hundreds of dollars witrhout my knowledge or my insurance companies knowledge they send me to collections. The people at the treatment facility told me no one has ever been charged like this before.
Consumer complaint received 2024-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

I believe the account is invalid. MIDLANDCRE needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the following accounts to be removed from my credit & their records. MIDLANDCRE XXXX and MIDLANDCRE XXXX.
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc (MI)

I think this happened on the morning of XX/XX/XXXX or XXXX I have a checking account with chime that's been unsecure since I've had it. I'm continually pointing out the things that are going wrong someone from XXXX XXXX stole about {$800.00} out of my account and chime because of their poor security issues it started with a {$1.00} withdrawal and then about a couple minutes later there was an {$1.00} withdrawal and then I think another {$1.00} then you think we're continually every 2 minutes {$1.00} was taken out every 2 minutes and I've told the supervisor at XXXX I talked to that this should not even happen there should be software written that a flag comes up nobody takes out {$1.00} from XXXX XXXX and then 2 minutes later takes another dollar out from cash and this is continually happening with chime they're unable to secure security account unable to fix it even though you point out what the error is I I have a lot of experience with hardware and software I work in the tech areas and I know this is almost impossible to come up to happen when you have a {$1.00} withdrawal another wood {$1.00} withdrawal within 2 minutes this one on for almost you know like an hour and after that there was also a {$5.00} withdrawal I think a {$50.00} withdrawal another {$20.00} withdrawal from XXXX XXXX  and chimes unable to solve this problem and unable to even help me with this problem I've complained about this problem over and over again nobody 's fixing it nobody 's getting my money back to me.. they're taking the time trying to get the money back to me I've asked because my card was deleted after this I asked for a card to be XXXX  to me and they told me that I have to wait for 7 days and now I may be thrown out of my apartment because I can't pay my rent because Chime... 
I am have tried to get them to send me a XXXX  a card to me and they refuse to do it I said that I have to wait 7 to 10 days for a card people need access to their money this is continually happening in time I don't understand why consumer protection board can't do something about these companies like chime and they're continually doing this and nobody seems to stop them or care to stop them I continually have been trying to work with chime to tell him what's going on their software isn't working and they refuse to help me to XXXX  a card to me I mean it's my money they're not keeping it secure and I should be able to get my money.. please can you help me with this problem I'm I've been battling with chime for months and they don't want to fix anything
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MoneyLion Inc. (FL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

My problem is with Chime, Credit Card and XXXX XXXX on XX/XX/XXXX. I was alerted at about XXXX XXXX  and asked if I was making a transaction of {$300.00}. I said no immediately I was asked to call Chime and speak with a representative right away while I was on the phone with them trying to get my card turned off three more transactions came through within six minutes and between XXXX and XXXX XXXX  A transaction of XXXX went through another XXXX last transaction {$100.00}. I had them shut my card off and file the dispute. I also called and filed the police report. I have called the store manager at XXXX on XXXX XXXX and XXXX XXXX California. she said it clearly was not me, there was a woman trying to use several different cards of mine and was unsuccessful and she believes that somehow she bypassed my password and ran it credit that she would burn a copy of the video that her name is XXXX. She is the store manager and her assistant store manager is XXXX, and the detective can come in anytime and pick up the video XXXX XXXX Police Department and asked a detective to pick up what she called me later and said that he did pick the video up I sent chime pics of the police report And all supporting documentation that I could possibly give them as to my phone call to Chime pictures of the transactions and what time they came over and the timeframe that I was on the phone with Chime and theyre saying theres no errors detected I have Done For rebuttals and have been denied for the total of five times now with really no explanation other than theres no air detected they have given me no proof of an investigation or any determining factors and investigation a police report phone calls with the store manager of a video a letter to Chime and I have tried to be professional and courteous the entire way I need help getting my money back 100 % total and permanent XXXX veteran XXXX  XXXX on a fixed income. I shouldnt have to be fighting for my money when its FDIC Insured I have called the OCC. I have contacted the XXXX XXXX XXXX and I have contacted the fdic
Consumer complaint received 2024-05-04
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. (MN)

I am writing to formally request the immediate removal of several credit inquiries and one fraudulent account from my credit report. I did not authorize these inquiries or the opening of the account listed below, and I assert that their presence is adversely affecting my credit score. 

Fraudulent Account : XXXX Date Opened : XX/XX/XXXX Unauthorized Credit Inquiries : XXXX. XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX ( Retailer ) XXXX. XXXX XXXX - XXXX XXXX, XXXX ( Finance ) XXXX. XXXX XXXX XXXX - XXXX XXXX, XXXX ( Bank ) XXXX. XXXX XXXX XX/XX/XXXX ( Bank ) XXXX. XXXX XXXX XXXX XX/XX/XXXX ( Finance ) XXXX. XXXX XXXX Bank - XX/XX/XXXX ( Bank ) XXXX. XXXX XXXX XXXX - XX/XX/XXXX ( Finance ) XXXX. XXXX Bank XXXX. - XX/XX/XXXX ( Bank ) XXXX. XXXX XXXX XXXX - XX/XX/XXXX ( Finance ) XXXX. XXXX XXXX via XXXX - XX/XX/XXXX ( Finance ) XXXX. XXXX Bank - XX/XX/XXXX XXXX. XXXX Bank - XX/XX/XXXX XXXX. XXXX Bank - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX These inquiries and the fraudulent account were made without my knowledge or consent. I insist on their immediate removal to prevent further damage to my credit rating.
Consumer complaint received 2024-04-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: BROKER SOLUTIONS, INC. (TX)

I informed XXXX that I would like to do a Deed-in Lieu ( DIL ) & be released from the mortgage. I was previously in a forbearance plan & each representative I spoke with advised me to wait until the end of the forbearance to start any other process, such as a modification, etc. At near the end of the forbearance period I received a call from XXXX XXXX XXXX XXXX. I informed them of my desire to leave the property via a DIL. The rep advised that other steps had to be taken before a Short Sale or DIL could be entertained. The rep advised to start with a modification request. I asked what paperwork is needed for the modification and the rep told me that no paperwork is required since I have an XXXX loan, just call and give my income & expenses to start the process. My forbearance expired on XX/XX/24, so I called XXXX around XX/XX/24 to get the modification process started. The rep advised that I would need to fill out a modification form. I advised her that the previous rep said no form was needed for XXXX loans. The 2nd rep reviewed the notes & XXXX guidelines and agreed that no form was needed. She took my numbers & submitted the request. I called back on XX/XX/24 to make she XXXX had everything needed to process the modification. The rep again said I needed to fill out a form. I again advised that I was told a form was not needed. The rep said that the form is need because I was requesting a DIL to leave the property. I inquired as to why DIL paperwork is needed when we are not at that step yet. The rep insisted that the DIL paperwork was needed for the modification request, along with a letter explaining my hardship. I received the paperwork by email that same day. However, the form states " No documentation required '' for XXXX loans. I am submitting this formal complaint because I have not received any official response to my modification request. All contact has been me calling XXXX & receiving conflicting information. I would like to know if I am in the loan modification process or the DIL process. Depending on which process I am in, please advise if XXXX needs any info from me so that we can expedite the process.