davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-07
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Harpeth Financial Services, LLC (ID)

I actually never received anything from this company regarding a debt owed. However, several weeks ago, I received a letter from XXXX XXXX XXXX XXXX about this debt owed and they supplied paperwork. Maybe my complaint with with the payday loan place but I also have a complaint with XXXX XXXX XXXX XXXX. http : XXXX I believe under the FDCPA, you are not to imply you are a lawyer. However, this is a law group attempting to collect the debt. Their letterhead reads : XXXX XXXX XXXX XXXX, Attorneys at Law, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, ID XXXX. At the bottom of the letter text reads, " ... and any information obtained will be used for that and other purposes allowed by law. '' Well, I have called and left messages twice with the law firm AND I submitted my information through their website 's Contact form. I have yet to receive a response. I have recorded my attempts. I just do not want to get blindsided with a lawsuit as I have attempted to contact them and make arrangements. Now I'm worried this company is not legitimate and not working for the Payday Loan company but may have purchased the debt.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I Have XXXX inquirys on my report with Equifax not only thats I have been harmed of the data breach Ive filed ftc reports and police reports. i noticed unauthorized inquiries on my report or noticed someone applied for something in my name. 
according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!!
Consumer complaint received 2021-10-07
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: EQUIFAX, INC. (OH)

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : -XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX # XXXX -XXXX  XXXX XXXX XXXX # XXXX -XXXX XXXX, XXXX # XXXX -XXXX XXXX XXXX, XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX # XXXX -XXXX XXXX # XXXX -XXXX XXXX # XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXXXXXX XXXX has incorrectly reported on my all 3 bureaus that i was late XX/XX/XXXX, and XX/XX/XXXX both 30 days. I have tried to work with this company on getting this resolved and have tried disputing these multiple times with the bureaus.
Consumer complaint received 2020-06-10
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: EQUIFAX, INC. (AR)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX {$1000.00} XXXX XXXX {$1100.00}
Consumer complaint received 2021-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (WA)

I rented a car in XXXX through XXXX. When I arrived it was not the car I rented. The man at the counter took my card literally from my hand and charged me anyway. I complained obviously, and he laughed and said he would charge me even more when I returned it. This location has over 400 reviews and their rating is 1.2 stars. They are known scammers, read the reviews of XXXX at XXXX XXXX. 

The charge fell off after 7 days. I returned the car, but not before blocking my XXXX card and telling XXXX through messages and calls to allow no charges. I returned the car and XXXX attempted a charge but it was denied ( rightfully so, I blocked all charges ). 

I called XXXX and made them aware and did that with 2 supervisors. I cancelled the card and issued a new one. At no point did I release the block on my account. I have no reason to - the new card is in the US and I was in XXXX. 

XXXX then allowed a charge from the merchant to go through, this time three times the amount. My account was blocked and frozen and no charges should have gone through. I confirmed on XX/XX/XXXX when I called and two different supervisors said there was " no way they could charge you with a new number and a frozen account. '' Lo and behold, a {$1200.00} charge shows up. 

The XXXX  Fraud Supervisor XXXX ( see screenshots attached ) who I talked to on XX/XX/XXXX refused to give me the timestamp of the large charge XXXX allowed to go through on a frozen account after I told them a merchant would attempt fraud. They will not mark it as fraud and only said they would dispute it. 

However the issue is with XXXX allowing the charge in the first place. I am not disputing it because it is fraud, of which XXXX is explicitly complicit. 

This is simply a record of my attempt to have XXXX  graciously fix their issue in allowing the charge before I file with the courts which I promise to do, as I have been stolen from, XXXX knew it, and allowed and and facilitated it.
Consumer complaint received 2021-01-06
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. (TX)

XXXX XXXXXXXX XXXX XXXX just labeled the following complaint as duplicate -- -- -- -- -- " How can every complaint and request sent to XXXX XXXX XXXX XXXX be labeled " duplicate '' when not one request or complaint has yet to be answered? I want XXXX XXXX XXXX XXXX to explain. I want XXXX XXXX XXXX XXXX, Transunion, and XXXX  to explain why every complaint and request sent to XXXX XXXXXXXX XXXX XXXX is labeled " duplicate '' when they have yet to answer one. '' Amazing!!! 
XXXX  XXXX XXXX XXXX is making a mockery of America Laws and government. In addition to labeling everything as " duplicate '', they have yet to send copy of the dated credit report that will prove they did not have permissible purpose to pull my credit in 2017 that led to a fraudulent auto loan.
Consumer complaint received 2021-10-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (FL)

During the course of establishing billing notices, I opted to be notified by electronic means. United Wholesale Mortgage, UWM, agreed to provide said notices without paper billing, a decided advantage to them. The company then proceeded to send billing notices based on receipt of the previous monthly payment plus 31 days. Per the record from my account website the following occurred. 
The XX/XX/XXXX billing was sent by email on XX/XX/XXXX. The XX/XX/XXXX statement was sent on XX/XX/XXXX. The XX/XX/XXXX statement was sent on XXXX/XXXX/XXXX now 17 days late. I was charged a late fee. At this point I realized that a payment I had made in XX/XX/XXXX had not been properly credited. I made 2 monthly payments in XX/XX/XXXX but was given credit for one monthly payment and a payment to principal. This was not what I had requested and after conferring with a customer service representative, it was corrected, the late fee rescinded and no adverse credit reporting was made. I received a corrected statement on XXXX/XXXX/XXXX. The next statement for XX/XX/XXXX arrived in my email on XX/XX/XXXX. The XXXX statement arrived on XX/XX/XXXX. I paid as soon as I received this statement although it was not on the first as provided. The XXXX statement arrived on XX/XX/XXXX. I paid this statement on XX/XX/XXXX as I was out of the country and did not have a secure connection. The XXXX electronic statement arrived on XX/XX/XXXX which was a day after the date that caused late charges to accrue. I immediately made payment. I immediately contacted a customer service representative. The representative said that UWM had set up its electronic billing so that it did not generate an electronic monthly statement until receipt for the previous month was made and then 30 days later. Thus, the electronic statement was not sent till after late charges accrued because of the method of electronic billing by this company. The representative told me the late fee would be waived because it was the company error on the billing. When this did not occur I contacted the company again. The representative I spoke to advised that since I had a previous waiver due to the company mistake in XXXX, I was not going to get a waiver and I must pay the late fee. I tried again in writing by email and was ignored. Thus, the company billing scheme appears to generate late payments and increased late fees of {$42.00}. I want the fee waived.
Consumer complaint received 2022-09-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST FINANCIAL BANCORP (OH)

Sir! 

Bonus for new checking accounts www.bankatfirst.com I opened a checking account at First Financial Bank at XXXX XXXX XXXX Branch in XXXX. 
It was opened in person and with reference code as per flyer available at branch. The bonus amount or {$200.00} was in relation to meet requirements to be accomplished by account holder. 

I could say that the account holder should three transactions ACH or check clearance. 
Since XX/XX/2021, I am not finding the bonus amount reimbursed. I had talk at the same branch. But we could not ascertain the terms of bonus. It seemed like lost. 

I could say the head office will have the flyers and record of scheme that was available by XX/XX/2021.
Consumer complaint received 2021-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX Chapter XXXX bankruptcy petition US BKPT CT TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiries XXXX XXXX Employers Select as many as apply XXXX XXXX XXXX
Consumer complaint received 2022-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 US C 1681 Section 602 states, I have a right to privacy.

15 US C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-09-18
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

On XX/XX/2022, I made a payment in the amount of {$650.00} to Nissan XXXX towards account XXXX. I received confirmation from the Nissan XXXX that the account was now back in good standing and the car was no longer in repossession. I also made arrangements with Nissan XXXX to resume making payments, as I previously was doing. 

On XX/XX/2022, the day that my kids began their first day of school, I awoke to the horror that the car was gone. I contacted Nissan XXXX and I was advised that the car was repossesed. The only way to get the car back was to pay off the balance in the amount of {$24000.00}, as well as the Repossession fee of {$550.00}. 

Upon reviewing the Nissan XXXX Statements from the month of XXXX, XXXX and XXXX, I don't see the payment of {$650.00} that I made. This payment was debited to my account on XX/XX/2022 but was never recorded with Nissan XXXX. This omission of the payment is what led to unethical and illegal repossession of the vehicle, which also turned my life upside down. 

In the absence of the vehicle that was illegally repossessed, I was forced to resort to taking XXXX trips at a significantly high cost over the past week, as well as renting a vehicle for 2 days, in order to get around. In addition to this, the fact that there is now a repossession on my credit report, has made it virtually impossible for me to lease another vehicle. 

Needless to say, I feel extremely violated and taken advantage of by this entire ordeal. Whenever I spoke to Nissan XXXX, and they asked me why I suddenly fell behind on my payments, I explained to them that in the past few months, my expenses suddenly skyrocketed. My cost for gas, food, auto insurance, etc, increased to the point that made it extremely difficult to keep my head above the water. My plan, at this point, was to look for a 2nd job, so that I can still make ends meet and cover all of my expenses. 

I contacted the repo company, XXXX XXXX @ XXXX and I was advised that the XXXX XXXX is still at their lot at the moment. It has not yet been sent to auction. 

How could this happen in the United States in 2022??? I feel so let down by the system. I voted for President Biden with the hope and understanding that the economy would improve after the covid pandemic. I really hope and pray that you can assist me with making this right.
Consumer complaint received 2021-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I requested for paper billing statement from specialized loan servicing customer care XXXX XXXX XXXX. 
Called on XX/XX/XXXX, XXXXXX/XX/XXXX 
Each time the customer care said they will send paper billing statement. But they were not sending. 
Till now I did not get any paper bill statement for XXXX, XXXX, XXXX, and XXXX.
Consumer complaint received 2021-10-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2021-10-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CA)

US Bank force place Homeowners Insurance on our home 14 months ago saying it was due to a lapse in coverage. We supplied them proof of current coverage, and new coverage that we paid in advance. We faxed them the proof of coverage, we emailed them proof of coverage, we sent it to them certified mail. We called their insurance department and they verified that they received the information from us, but that they didn't know how to stop the charges on our mortgage statement. We received a letter in the mail stating that they received proof that our coverage has expired, which means that they have proof of our insurance policy. We renewed it last week. Only way they would know it expired is if they had the policy. 

XXXX is the number for the insurance department We've paid {$180.00} + for 12 months on top of our mortgage. {$2200.00} that we're owed that we can't have an intelligent conversation with anyone there. We would love to talk to someone but everyone says " we don't handle that ''. Insurance says they can't see what our payments are, Customer service shows that the additional amount is being paid but Insurance AND escrow need to approve the reduction, Escrow says it's Insurance that needs to ok, but they can't see what the actual amount is. 

They are stealing {$180.00} per month from my children and holding my credit hostage.
Consumer complaint received 2021-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (OH)

I called Chime for account questions in late XXXX XXXX. When I was connected to an agent he did not confirm my identity prior to providing my account information such as my balance, account number, card number and security code on my card. I expressed concern that my account was not secure and they stated my account was safe. I noticed a few weeks ago my account had changes I did not make or authorize. Most charges would be when I would be working, so I would have been physically unable to make the transactions. Beyond that, some transactions were made hours away from me and even some in another state. I filed a stolen card claim and disputed the transactions. The entire time the dispute team was unprofessional and I had to keep repeating myself multiple times because they were laughing and joking around with a coworker. My dispute has been denied and when I called to appeal this I was told they dont do that and that it was closed and I couldnt do anything about it. Im now missing over {$700.00} and cant get anyone from the company to assist in this situation, including supervisors. I attached emails where Im given confirmation emails of my sent information and those followed up with emails saying they dont have those emails.
Consumer complaint received 2022-09-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (IA)

I want to contend with the school that there should not have been a loan because I used XXXX  and XXXX program. If I can't regain loan funds I should regain XXXX  XXXX benefit and funds.
Consumer complaint received 2021-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (WA)

While I was in jail for a weekend someone got access to my account and card and spent almost a thousand dollars. 
I immediately changed my password and ordered a new card and reported it to Chime. 
They almost immediately denied my claim and repeatedly said they would send me documentation of how they reached that conclusion and never did. Not once after offering at least ten times and me saying I wanted them. 
I've gone back and forth with them for over a year now and they have no interest or desire to even respond to my messages anymore except with the same generic response. I shouldn't legally be held liable for more than {$50.00} since I took all the steps I should have in a timely manner.
Consumer complaint received 2021-10-07
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Shellpoint Partners, LLC (PA)

Our mortgage loan was sold to Shellpoint/newrez, which has provided false and misleading information to us regarding our Covid forbearance, turned down at the end of our deferment period adding payments to backend of our loan despite saying we could do that, said that during the review process that they would not notify credit agencies that we were late while still in their review process but notified them anyway leading to a 50+ point drop in my credit rating overnight which has put my career in jeopardy and prevents me from obtaining alternative and/or additional financing to bring the loan current, on which they will not allow me to begin paying unless its its the total outstanding balance ( $ XXXX ), which is unrealistic. Help!
Consumer complaint received 2021-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Transunion was called on XX/XX/2021 to dispute inquiries. Consumer was informed by Transunion that per FCRA, Transunion has the right to keep credit inquiries on Consumer reports for 2 years. Consumer asked did that they have it in writing and was informed he did not know. Transunion also admitted that Consumer has had a police report for Identity Theft in their files for the past several years but that it has not been attached to Consumers file. Transunion informed Consumer that a call will be made to Consumer. Consumer has not received a telephone call yet and the credit inquires has not yet to be removed.