davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (IL)

I received an email from Chime on XX/XX/XXXX welcoming me to Chime. I contacted Chime on XX/XX/XXXX to communicate with them that I did not open the Chime debit / checking account with them. I informed them that this account was opened fraudulently and requested that they close it. I then uploaded documents that Chime requested for their records. The documents consisted of a Federal Trade Commission Identity Theft Report, a XXXX XXXX Police Identity Theft Report, along with a letter asking for Chime to release any and all information and transaction records relating to my account. 
I previously filed a complaint against Chime with you and they did not supply the additional information to me that I requested in the complaint. Chime did not resolve the issue addressed in the complaint that I filed with you. They did not release the requested documents pertaining to the opening of the fraudulent account in my name. 
In addition, they state in their response to the first complaint that I filed with you, that if I wish to receive additional information regarding the fraudulent account that I should email them at XXXX. Per their request, I sent them an email on XX/XX/2024 and asked them to send me a secure link to attach the additional copies of my identity theft reports along with the last four numbers of my Social Security number. 
Chime responded to my email the same day stating : Allow me to kindly explain, to ensure that were providing the fastest and most secure support experience possible ; we will no longer offer member support through email. In this case, for us not to miss any information and to assist you effectively specifically with your Chime account, it would be best for you to call us directly at ( XXXX ) XXXX. Rest assured that your concern will be taken care of once contact is done. 
I've called Chime numerous times after receiving this email and I did not get any farther. Their representatives barely speak English and appear to be reading off of a script. 
Also, XXXX XXXX, XXXX. services Chime and they emailed me a request to fill out their identity theft report. They did not report this correspondence with you. I was advised by my attorney and the Sheriffs Office to not fill this identity theft report out because the identity theft report from the Federal Trade Commission and the Sheriff 's Office that they have on file should be sufficient evidence that I am whom I say I am. 
Since then, I have sent Chime another copy of my Federal Trade Commission Identity Theft Report, the Sheriff 's Office Identity Theft Report, and the last four numbers of my social security number. 
Chime is still giving me the runaround.
Consumer complaint received 2021-08-27
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Medical Data Systems, Inc. (IL)

I keep receiving calls from Medical revenue services from phone number XXXX asking for someone else. I have told them that the numbee they are calling does not belong to that person and they have continued to call. I was called on XXXX at XXXX, on XXXX at XXXX, and XXXX at XXXX. When I told them to quit calling this last time or I would report them, the woman on the phone said " Who are you going to report us to? There is no one. Bye '' and hung up.
Consumer complaint received 2020-12-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

After having my mortgage modified, This is my new contract 51 years to repay at 3.125 % interest rates. I've tried to refinance without getting assistance due to these terms. How can this be corrected? 


PHH Mortgage Hello XXXX My Loan My Loan Your Loan balance is {$160000.00} 3.125 % Rate | Conventional | 51 Years Term How your recent payments were applied 32 % of your principal and interest payments Year to Date were applied towards principal. Making additional payments to your principal balance will reduce the amount of interest you will pay over the life of the loan. 
68 % Interest Select a period of time. 
Year to Date 32 % Principal Your Loan Started XX/XX/XXXX Your Loan Ends XXXX XXXX Remaining Payments 172 Prepaid Principal {$2200.00} You can own your home faster Learn more Prior Yr Principal Paid {$2000.00} Prior Yr Interest Paid {$4400.00} Some Things To Consider Having trouble paying your mortgage? 
How can I contact PHH Mortgage? 






What is the mailing address for sending an overnight payment? 









When will I receive my year-end statement? 
What are some of the common fees that may be charged or assessed to me during the servicing of my mortgage? 
Looking for alternatives to foreclosure or to help with budgetary issues? 
Payment History Show All Mortgage Escrow Advances Reversals Other Mortgage Payment Applied : XX/XX/XXXX {$950.00} Escrow Advance XX/XX/XXXX {$820.00} Tax Disbursement XX/XX/XXXX - {$820.00} View all Taxes and Insurance Current Escrow Balance As of XX/XX/XXXX Learn More - {$540.00} Escrow Account Payouts Show all Upcoming Year to date XXXX Tax XX/XX/XXXX {$840.00} Tax XX/XX/XXXX {$830.00} Tax XX/XX/XXXX {$830.00} Tax XX/XX/XXXX {$820.00} View details Thinking About Refinancing? 
XXXX is here to help you find the right home loan for your needs. Call us at XXXX to hear your options or get started online today. 

Learn More PHH Mortgage PaymentMy HomeMy LoanMy NeighborhoodGoalsEducationTerms of UsePrivacy Policy XXXX PHH Mortgage All rights reserved Sent from my XXXX, XXXX XXXX smartphone
Consumer complaint received 2020-12-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (CA)

Purchased a gift item found on XXXX advertised as " Buy 1 get 1 Free '' The ad says,, " 100 % USA owned and operated ''. " 100 % Customer Satisfaction ''. 

Sent payment thru PayPal ... and immediately discovered it went to " " Nothing USA about them ... 

I received ONE of what I ordered,, the second item was not at all the same.. Seller writes back .... 
" This is how we do to every customers with this product, it is a buy 1 get 1 product, so the free one is get to our picks, it will be the same size or it will may not, so it is random, also i believe we didn't mentioned it will be the same size on the product page. Thanks for your time. '' PayPal refuses to help, In fact there's hundreds of sub posting just on one PayPal post on XXXX,, Angry customers cheated via PayPal ... ( They blocked me ) XXXX should not knowingly allow these false ads.. 
I believe the two are complicit in defrauding the American Consumer. 
Had I known,, I never would have purchased ... ... 

Happy New Year ... I'm just frustrated,,, would love to have some resolution that would prevent this sort of thing from happening to others.. I'm sure you're busy with far greater things,, just hoping to just bring this to someone's attention. 
Thank You
Consumer complaint received 2020-12-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelson Cruz & Associates LLC (GA)

I received an alert on my FICO app that a collection account was now reporting on my credit on XX/XX/20. The collection account is for Nelson Cruz and Associates in the amount of {$700.00}. According to my credit report, they first reported this account to the credit bureaus on XX/XX/20. I have received no correspondence regarding a debt owed and have no knowledge of this account. I attempted to inquire about the debt through the collectors website requesting to know when any correspondence may have been sent or any attempt to notify me of their attempt to collect a debt occurred. It is now XX/XX/20 and I have received no response. This account should be removed from my credit report.
Consumer complaint received 2020-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc (GA)

I received an email on XX/XX/20 saying that my account was placed on hold due to unusual activity and that I needed to verify the source of my direct deposit. I have been waiting months for my direct deposit to be sent to me from unemployment. I sent him identification documents on XX/XX/20 & XX/XX/20 as well as my award letter from unemployment chime responded and told me they still wanted to close my account and that I would not be eligible for a refund. I was sent XXXX from unemployment on XX/XX/20. Im not able to see my chime balance due to my account being suspended but I should have over XXXX left in the account. This company is fully taking advantage of consumers. They even asked me to prove why I was eligible for unemployment in Illinois. I didnt want to send in my 1099 but I did because I need my money. I asked them if they had the right to do this when I already proved I was eligible with unemployment. This has been a nightmare. They also mentioned that I needed a utility Bill dated within 60 days well since the pandemic Im without a place Im living with family in Georgia. My original place of origin is Illinois. At this point the automated emails are frustrating and I just want my money!
Consumer complaint received 2021-08-27
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. (NV)

I have submitted several disputes to Transunion, most recently filed on XX/XX/2021 regarding 2 delinquent accounts on my credit report from Dept. Of Education to have these accounts removed from my report at the request of the Dept. Of Education. Transunion REFUSES to remove them even though the reporting agency has requested they be removed several times in writing! This is a direct violation of the Fair Credit Reporting Act and this agency is negligent and seems to be vengeful in its actions. I would like this agency investigated and this matter resolved Immediately! All other credit agencies have removed these accounts already as the request of the lender, the only one that refuses to remove them is TRANSUNION.
Consumer complaint received 2020-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (CA)

I received a letter on XX/XX/2020, from Barclay Credit Card tell me that I needed to use my credit card or else they were going to close my account. The problem is that my card expired and they never sent me a new one. Now I have to order a new card, purchase a coffee with it and then pay it off immediately so that my credit score will not be adversely affected from having this credit card account closed. 

This company is bullying people into using credit cards when they don't need to. This makes no sense. It can't possibly hurt them to have my account open, even if I only use it occasionally. This type of activity from credit card companies should not be allowed or tolerated.
Consumer complaint received 2021-03-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

Collection account posted on my credit from an account I've never had. Portfolio recovery has been contacted and asked to verify the debit and refuse to do so. 

Portfolio Recovery Associates XX/XX/2020 {$1900.00}
Consumer complaint received 2020-12-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Southwest Credit Systems, L.P. (MI)

Upon applying for mortgage credit, I became aware that my credit score was about 100 points lower than the credit monitoring at popular credit cards and monitoring services has been showing me. I was turned away from the mortgage. 

I asked to receive a copy of my credit report. On the credit report, there was an adverse summary from " SW CRDT SYS '' for {$92.00} from an original " creditor '' of XXXX. This organization apparently opened the line on XX/XX/2020 and reported delinquent on XXXX2020, according to my credit report. 

I called " SW CRDT SYS '' immediately to understand. They shared that they had called my phone number, though they have a policy to not leave a message and did not send any written communication to me, or attempt to do so. As a result, I had no ability to know that I had an outstanding " debt '' owed to them, how to validate it, or how to communicate with the original " creditor ''. They shared that during their " validation period '' of 30 days, if I were to pay the {$92.00} then they would not report to the credit bureaus. However, I could not have paid because perhaps I missed a phone call from an unknown number that did not leave a message. If I were to pay {$92.00} to every missed call on my phone in 2020 ( amid the election spam season and every other phone call ), I would be broke! 

I offered to pay the debt in full to make it go away, but they said they have no policy to request deleting the record from the credit bureaus. Because of that, there is no possible manner for me ~100 point credit score to be repaired as if they had appropriately contacted me in the month following XXXX/XXXX/2020. 

I find this practice to be deceptive and abusive. There was no possible way for me to validate, communicate and pay off the debt in a timely manner without affecting my credit score. And now that I proactively obtained my credit report, proactively called the debt collector and proactively offered full payment if they deleted the record, I still have no way of repairing my credit from their abusive practice.
Consumer complaint received 2021-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Bankruptcy Accounts that I disputed with creditors & bureaus are still reporting on my credit. I ask for a written response documented showing the validations. To my understanding you violated multiple laws you guys go by. 

I personally contacted the Bankruptcy court to get some information they dont even have any of my information so how could you Report this on my credit. You guys should fined and prosecuted reporting false inaccurate information is against the law & against my rights.
Consumer complaint received 2020-12-31
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. (PA)

On XX/XX/2020 someone opened a XXXX XXXX/XXXX  account using my name and address. I reported the fraud to XXXX XXXX  and they closed the account and notified all 3 major reporting agencies that the hard inquiry and account should be removed from my credit report. All three agencies removed the account from the list, and two of the agencies remove the hard inquiry. But TransUnion refuses to remove the hard inquiry for the account they know was fraudulent because the letter from XXXX XXXX  only said " XXXX XXXX  '', not " XXXX XXXX '' regardless that it has the same account number. 

I've called TransUnion about this twice, the first time, they said they would deal with it, but nothing happened, and the second time is when they told me about the " XXXX '' name requirement. A couple of months ago, I called XXXX XXXX  and asked them to send the hard inquiry removal letter to TransUnion again, but nothing has changed with TransUnion. XXXX XXXX  said it's the same letter they sent in XXXX and that they can't edit the automated letter to say " XXXX XXXX  ''. It was good enough for the other agencies, but TransUnion is choosing to be obtuse about it. 

It's pulling down my score by 4 points. Granted, that's not a lot, but here 's why I'm making a complaint : more than one customer service rep at different agencies admitted that TransUnion is known for not fixing this sort of issue. So, I'm making a complaint for myself and for others affected by their protocols.
Consumer complaint received 2021-08-27
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. (NJ)

I submitted proof that the debt with XXXX/XXXX was satisfied and at XXXX balance and all 3 bureaus claim that they investigated and verified that there was still a balance. Even the creditor verified that they responded with XXXX balance but nobody wants to update. I WANT THIS DELETED AS IT IS NOW INCORRECTLY REPORTED BY ALL 3 BUREAUS!
Consumer complaint received 2021-08-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IN)

In XXXX, my employer and employment were certified and counted toward PSLF. I reapplied XX/XX/XXXX to update the past year of payments and I received a notice from FedLoan that my employment was not certified because my employer is " for-profit. '' I used the PSLF tool on XXXX so that I could submit the information about my employer, but the tool did NOT work, even after trying multiple browsers and different days. I tried contacting the Federal Student loan office by phone several times and the people that I was able to get in contact with told me that there was nothing they could do about the online tool not working and there was no alternate way to submit that information. I eventually contacted the Ombudsman group, who connected me to a representative at FedLoan that handled my inquiry. On XX/XX/XXXX, I received a notice that my employment was certified along with an update of my qualifying my payments. Now on XX/XX/XXXX, I received a notice in my paperless inbox from FedLoan with the subject " PSLF Qualifying Payment Update '' which, in summary, just states that I now have ZERO qualifying payments, however there was no specific explanation as to why this randomly happened. I called FedLoan on XX/XX/XXXX and was informed that there is an additional letter that I was supposed to receive stating that my employer was determined as not qualified due to being for-profit. I have yet to receive the letter, but I received the updated qualifying payment status letter. I have already submitted a request on the studentaid.gov website, which still is very buggy. I shouldn't have to do all this work to get my employer certified and I am increasing confused as to how and why those involved with this process have the inability to research and read. There is a plethora of information related to the Federal Home Loan Bank System on various .gov websites as well. Additionally, we are well aware that the PSLF program has been grossly mishandled and administrated in the past and now that FedLoan is not renewing their contract and no other servicer handles PSLF, I am extremely concerned. I feel like the number of hoops and continuous attempts to get this corrected is NOT my burden, as the Federal Home Loan Bank system has been an integral part of this countrys financial system since the XXXX 's. I think they are hung up on the " for profit '' part instead of the fact that the Federal Home Loan Banks are govt entities and per the application form and anything that I can see, should qualify without issues. The FHLBank system is EXEMPT for ALL taxes and are extensively involved in community development nationwide in areas such as affordable housing projects, owner-occupied rehab, homebuyer down payment assistance, and small business grants just as examples.
Consumer complaint received 2020-12-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Recovery Solutions LLC (WA)

This company has been harassing me for months by placing numerous robocalls to my phone number, consisting of approximately 10 calls in a row in the morning at XXXX, leaving 10 voicemails asking me to call back, then places an additional set of calls in the afternoon, and an additional set of calls at night. When I have spoke with them, they use misleading info to intimidate and scare me into providing credit card information over the phone, without any documentation of terms or evidence that I owe on a debt. They call my relatives and friends and give them my personal information, alleged debt status and amounts, and intimidate them as well. I have asked the individual to stop calling and send everything to me in mail, but have never received a debt verification from this company, and the numerous calls still persist. I rely on my phone for my work, and this company is crippling my ability to work. 

I have attached a screenshot, but could provide many more examples if needed. The numbers that repeatedly harass me are the following : XXXX, XXXX, XXXX
Consumer complaint received 2023-03-22
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. (FL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX
Consumer complaint received 2020-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NM)

I have been disputing inquires on my credit report with Equifax for the past 7+ months. I've submitted 1 complaint in XXXX and it ended up closed. All I received from Equifax was my current credit report. Nothing more and no help. This company by far has been the hardest company to get help with as a consumer. I had spoke with a gentleman by the name of XXXX in XXXX with Equifax and was told to file a complaint through the CFPB. When I called XX/XX/XXXX, I spoke with XXXX. I was told that I needed to file a police report, which I've spoke with the XXXXPD numerous times and was told that they were unable to file a report. I explained that to him as well as my previous complaint. XXXX then told me that in my previous CFPB report i never included that companies and dates. Once I submit he told told me that they would be removed. XXXX  XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX Auto XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX # XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX. Thank you for your help in this issue.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I submitted information to Equifax its been months they have shown incorrect information and refuse to update it when the creditor corrected this issue months ago.I would like to seek legal action.My credit score and ability to apply for credit has been an issue and they have yet to fix the issue.