davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

On XX/XX/2020 I sent a dispute letter to Experian regarding a XXXX account listed on my credit report. I sent a factual dispute with screenshots pointing out the errors and inconstancies listed. I recieved a letter stating that, " Unless I send relevant information to support my claim it will not be reinvestigated. '' Well I sent a screenshot of the adverse information. That should be " relevant ''. In the screenshot you can clearly see there are discrepancies from one credit bureau to the next. If this is the same company sending information regarding an account it should match.
Consumer complaint received 2020-08-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Northwood Asset Management Group (MI)

On XX/XX/XXXX I took a loan out from XXXX XXXX XXXX in the amount of {$2500.00}. I wask scheduled to make payments of around {$300.00} twice a month, but early on I learned I could not afford that. I made several payments, but can not find any records in my email or my XXXX account for the total that I made. 

After I was unable to make a couple of payments, in which I notified XXXX, they transferred my account to NAM. 

I have made 14 payments to NAM of {$55.00} each, once a month. Total of {$770.00}. 

On XXXX/XXXX/XXXX I was notified that XXXX alledgedly lent me that money illegally, with this notice. 

NOTICE ID : XXXX Please keep for personal reference. 
If You Obtained a Loan from XXXX XXXX XXXX, XXXX, or XXXX   XXXX XXXX From XX/XX/XXXX to XX/XX/XXXX, You Could Get a Cash Payment from a Settlement or Cancellation of Your Loan A federal court ordered this notice. This is not a solicitation from a lawyer. 

NOTICE OF PROPOSED CLASS ACTION SETTLEMENT Solomon, et al. v. American Web Loan , Inc., et al. No. 4:17-cv-0145-HCM-RJK
Consumer complaint received 2020-06-14
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc. (SC)

They called my work several times after being told no to do so. I work in XXXX XXXX XXXX, those phone calls are not allowed. I was told to not have them call again or else.They called relatives and friends to find out my location. I have elderly parents who get 2 to 3 calls a week from them.The amount owed is double the loan amount according to them. During a call to they suggested legal action was going to be taken, such as a court case with my local magistrate. They also left messages on voice mails stating that I was a debtor. I received several calls on Sunday, throughout the day, and from non business related numbers. I have disputed the debt with credit agencies and through their website. I have never gotten any accounting statement of the amount of the alleged debt.
Consumer complaint received 2024-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (AZ)

On XX/XX/2024 I withdrew {$500.00} from my checking account at a chime ATM inside of a XXXXXX/XX/XXXXXXXX I then withdrew another {$500.00} but inadvertently left the second withdrawal of {$500.00} in the ATM machine. I spoke with a chime representative and was told to open a dispute which I did and was quickly denied my funds to be paid back. I then called back to try and reopen the dispute which they said they did. But they also said they were going to send the documentation from the dispute investigation explaining how they determined the results of the investigation which they did not. I highly suspect it was not reopened because it was not listed as an open dispute on my account like the first one was. I should also add that when I spoke with the first person on the XXXX at chime the lady said she was aware of the fact that I did not receive the money and that it got brought back into the machine. I should also add that the day I withdrew the money on the XXXX I asked the XXXX of the store if we could look at the cameras to make sure nobody came by and took the money which he did and nobody had come up to that ATM machine again since I've gone back to it a few minutes later
Consumer complaint received 2023-06-26
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 — Problem with personal statement of dispute
Company: Chime Financial Inc (CA)

So I paid off my XXXX  XXXX XXXX credit card nd they promised wen I was making last payment tht they will send me a paper nd also to credit agency nd have it remove off my credit so it wnt affect it its still there I tried reaching them many times they didn't respond nd credit wnt fix it they said XXXX XXXX XXXX says it's current I paid off XXXX card nd same thing was told to me I made full payment of wat i owe as I lost my job due to covid nd had injury nd health issue but as soon I got money I paid off they promised to remove the bad credit late payment off my credit nd same they didnt rhey didnt remove it it's still showing nd affecting my credit I opened a account with chime credit card nd I couldn't even make it wrk it didn't let me do nothing I never got the credit card I told them nd they said they will fix it nd send me another card i requested for account to be close becauz I couldn't use it nd it was just affecting my credit nd they closed my account nd than suddenly closed my checking account too nd now they lying nd saying XXXX didn't comply which is a lie as i requested I'm also seeing if says I got a credit loan for sumthing which i didnt idk wats going on I feel like scam is going on please help me All XXXX of these companies lied to me to make me pay it off all nd than did this nd hurted my credit I can't get another credit card or house or car
Consumer complaint received 2020-04-14
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NM)

I had my hours cut due to Covid-19 was having trouble making my mortgage payment tried calling mortgage company for several weeks in XXXX filled out loss mitigation forms online said someone would call back in 3-5 days nobody did. On XX/XX/2020 I lost my job tried calling again for several days finally got ahold of someone on XXXX XXXX was told I had to take a forbearance right then no paperwork or it wouldnt include XXXX and they would report us to the credit bureau and we would owe XXXX now we are getting papers in the mail to fill out proving hardship threatening forclosure and nothing at all about following the CARES act We have a VA backed loan Our mortgage company is Shellpoint Mortgage Servicing
Consumer complaint received 2023-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION (MD)

Truist Bank continues to let the XXXX XXXX XXXXXXXX bill my Truist credit card despite my repeated communications to both organizations that the charges are not authorized. 

In XX/XX/2022, I noticed that the XXXX XXXX had been charging monthly charges ( $ ) to my Truist credit card. Neither I, nor anyone in my family has any recollection of setting up the subscription. That month, I contacted the XXXX XXXXXXXX which didn't have any record of an account associated with any of our family email address. They could not find my account based on the Truist credit card details. They said they could not do anything about ceasing the charges. 

I have contacted Truist multiple times about refusing these charges. Truist most recently said they can not decline the charges from XXXX XXXX XXXXXXXX because .... 

" Our investigation revealed that the transaction ( s ) are valid. Your case is being denied based on the following : Evidence shows this purchase was a recurring transaction and we have received no evidence that shows this authorization was cancelled. '' So Truist 's de facto position is that I must pay these charges in perpetuity unless I cancel my credit card.
Consumer complaint received 2020-08-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (GA)

I am complaining about constant and unwanted phone calls from Quicken Loans. These loan advisers are trying to encourage me to refinance my loan. I have spoken on several occasions with different representatives about this issue. I have also explained that I am not interested in refinancing my home. Even after these direct statements, I still receive many phone calls ( on one occasion 4 in a single day ). 
Some of the advisers have even said rude words and tried to engage me in verbal debate. This is unprofessional. As a customer I am very upset, and need these calls to stop. 

I feel this is predatory lending 1. Using high pressure sales tactics 2.  They are trying to strip me of my equity although I have told them this is NOT an option that I am interested in.
Consumer complaint received 2020-04-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

I have over 5 years with Chase Bank. I have never had a missed payment, negative balance and my credit score is XXXX. I have a personal account, auto loan and business account with chase. During this Covid crisis they decide to send me bank closure account letters for all my credit cards and my personal accounts. There is no reason other then listing " reputational risk '' which makes zero sense to me. Ive called and they give no information. This is not right. They are closing peoples accounts for unknown reasons during a time that getting money and funding is very difficult.
Consumer complaint received 2020-04-14
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HW Holding, Inc (FL)

On XX/XX/2019 the collection agency HUNTER WARFIELD ( address & phone number below ) filed a {$940.00} collection entry against my credit report on behalf of the original creditor XXXX XXXX XXXX XXXX regarding a lease for a property at XXXX XXXX XXXX XXXX, FL XXXX that they claim I am responsible for. note that the lease they provided is INVALID as the LANDLORDS/Owner ( s ) of XXXX XXXX XXXX XXXX, FL XXXX were - and still are - XXXX, XXXX and XXXX, XXXX [ Tenants in Common ] evidenced by the XXXX County Tax Record file attached. The correct VALID lease provided by XXXX XXXX XXXX ( attached ) reflects this ownership as well. The INVALID lease provided to me by Hunter Warfield ( attached ) indicates that the Landlord/owners of XXXX XXXX XXXX XXXX, FL XXXX were XXXX XXXX and XXXX XXXX which is incorrect ( ie not a valid lease ). I have provided redacted versions of both leases along with a screen shot from the XXXX County Florida Property Appraiser indicating correct ownership of the property located at XXXX XXXX XXXX XXXX, FL XXXX. I have never signed a valid lease for XXXX XXXX XXXX XXXX, FL XXXX nor have I ever resided at the property and therefore dispute this charge in its entirety. Unless Hunter Warfield is able to provide a valid lease I request that the debt immediately be removed from all credit bureaus to which it was submitted. If Hunter Warfield feels as though this lease is legitimate I request that they provide evidence of the LANDLORDS mentioned, XXXX XXXX and XXXX XXXX. 

Thank you, " XXXX '' XXXX XXXX ( XXXX ) XXXX XXXX   XXXX Contact information for Hunter Warfield XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX Collection account # XXXX
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have contacted Equifax 6 times in the last month and have sent them letters and disputed online. They fail to update XXXX XXXX union file - a repossession that has gone beyond the 7 year rule. THe other 2 Main Credit Bureaus have taken this off their file already. My last contact was XX/XX/2019 - I spoke with a Dispute Supervisor. She said that they do not have a record of my payments missed so she cant confirm the last reported delinquency date. Also I have a XXXX - XXXX bill that has been settled in full and Equifax refuses to update this information. What is the purpose of them keeping negative information on my file? Do they get paid more money? Can they send my file to companies who profit from loss? I do not understand. Both XXXX  and XXXX  have had no problem updating their file.
Consumer complaint received 2020-06-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (NV)

After receiving notification of this debt from my credit report, I contacted the agency several times. First contact was XX/XX/2019. They responded. The information provided to the Credit Bureaus is INACCURATE. My initial dispute with this agency is that I do not owe them. I owe their client. And they are misrepresenting this within my credit file. I asked them to remove/delete this item. They refused. The debt they say I owe them is one in which they purchased from another creditor. This is a violation of the FCRA to have a 3rd party entering information in my credit file. I did not receive any services from this agency and therefore they have no permission to include this debt as owed to them within my credit files.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I submitted this complaint to REMOVE this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- PERSONAL ACCOUNT 2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-04-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

My daughter leased a new car with XXXX XXXX XXXX and I co-signed as it was her first new car when she graduated from college in XX/XX/XXXX. Her lease expired and she leased a new XXXX on XX/XX/XXXX. XXXX XXXX in XXXX XXXX MA never closed out the first lease until XX/XX/XXXX after I threatened to file a complaint with the Attorney General 's Office an MA. Delinquent payments reported on the lease turned in were removed. When we did the original lease I asked about the excise tax we pay in MA and was told that XXXX pays that. The manager of XXXX told me the lease was closed and all set. XXXX XXXX told my daughter the lease was closed when in fact it wasn't. She owed a property tax which is actually the excise tax that we were told in the beginning that XXXX pays. Neither my daughter or myself knew what this Property Tax was and again were told the lease was closed out. While on vacation my daughter got a notification from XXXX XXXX staying her credit score had dropped. I also got notification from my bank that my credit score had dropped over 100 points. When my daughter called after vacation she was told she owed the property tax so she paid it over the phone 2 months after the lease was closed. I talked to XXXX and XXXX at XXXX XXXX and they will not remove the 60 day late on the credit report that is impacting our credit. 
The credit bureau told me it stays on the report for 7 years. My daughter never missed a payment on this lease and I was not asked to co-sign the second lease because she had a perfect payment history. We need help getting the 60 day late removed. I don't think we should penalized for a mistake. So many phone calls with no help.
Consumer complaint received 2020-06-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (WI)

It seems awfully convenient for Shellpoint Mortgage to never be able to access their online payment system ( which is supposedly a free processing cost )? If you use their phone system it is an additional {$5.00} charge, if you must go through one of their " customer service '' agents it's a {$15.00} charge. So needless to say if the online system NEVER WORKS the customer always must pay the {$5.00} or {$15.00} charge every month? How convenient??? Please you try, I've spent hours equal to days while trying to get into it.
Consumer complaint received 2020-06-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, I submitted credit dispute letters to TransUnion Consumer Solutions on XX/XX/XXXX and XX/XX/XXXX regarding discrepancies on my credit report regarding a Chapter XXXX Bankruptcy ( see attached TransUnion Dispute Letter XX/XX/XXXX ). Each time I request an investigation and correction to my credit report, TransUnion does not conduct an independent investigation and simply states, " We have verified that this public record item is reporting correctly. '' TransUnion has violated the Fair Credit Reporting Act by not conducting an independent investigation regarding inaccurate information on my credit report. TransUnion states in their TransUnion Credit Dispute Results letter dated XX/XX/XXXX, " This section includes public record items TransUnion obtained from local, state and federal courts through a third-party vendor, XXXX. '' TransUnion made a false statement because I have placed a Security Freeze on my XXXX Credit report ( see  attached XXXX Security Freeze Letter XX/XX/XXXX ). I also attached a letter dated XX/XX/XXXX from the U.S. Bankruptcy Court -  XXXX stating, " Please be advised that the filing of bankruptcy is a public record and this information is routinely collected by credit reporting companies and is not reported or verified by the court to them ... '' There is no way possible that TransUnion independently investigated my credit dispute request. TransUnion failed to obtain any new information from XXXX as it claims in their letter and the U.S. Bankruptcy Court -  XXXX does not provide this information also ( see attached U.S. Bankruptcy Court Letter XX/XX/XXXX ). 

This proves that TransUnion did not conduct an independent investigation on my Chapter XXXX Bankruptcy, and I am requesting to have the item removed from my TransUnion credit report immediately. 

Please help me with this case. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2020-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (ME)

I have attempted on several occasions to get Chase to correct the Interest Savings Balance for my XXXX statement to no avail. I have detailed all of the information on a marked-up copy of the statement which is self-explanatory and will attach to this complaint.
Consumer complaint received 2020-09-25
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: Experian Information Solutions Inc. (MI)

There is a student loan reporting in my credit report for {$170000.00} from XXXX, account number XXXX .... The issue is that I never went to college and never applied for any student loans or co-signed for anyone. I have been disputing this account with XXXX, Experian, and XXXX  since XX/XX/2020 - requesting that they contact XXXX and have them provide me with documentation proving this debt is mine ( a copy of the original contract with my information and signature on it ). I have yet to receive one response back from any of the credit bureaus or XXXX. I sent dispute letters for this account to the 3 credit bureaus and section 609 request letters to XXXX on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 but, still no response. This is crazy!