davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-17
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: RoundPoint Mortgage Servicing LLC (PA)

XXXX XXXX XXXX I have documented over 30 times in these dates I have requested customer service, call with president as stated on there website I have suffered a total loss Fire ins Claim, the Ins company send checks made out jointly with mortgage company, they are sent to mortgage company ( tracking numbers ) and Roundpoint holds checks does not communicate clearly on whats missing, whats needed or status of checks, they're response is always 30 days we will get back to you, They sporadically respond if at all with a call or vague letter that's no help Even supervisor if the rude customer service will transfer you ( they refuse multiple times ) doesn't call you back, even after assuring they would return call The delay and non communication is causing my family and finances serious distress as we are living displaced trying to get home rebuilt
Consumer complaint received 2020-06-17
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. (FL)

Date last active is inconsistent to my credit report. 
Im request the bureau to completely delete from my report. 

My life couldve been better without your mistakes. 

Transunion XX/XX/XXXX XXXX. XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

I Must express my deep dissatisfaction with the continued negligence displayed by your company in addressing the inaccuracies present on my personal credit profile. Despite my numerous letters requesting a thorough investigation and removal of such misleading information, it appears that my concerns have fallen on on deaf ears. it is important for you to understand that by law your required to take immediate action upon receipt of such request. Your persistent refusal to comply with the legal mandate forces me to escalating the matter and pursue legal action against your organization. Rest, assured, I awfully prepared to take all necessary steps to rectify this situation and uphold my rights as a consumer. I urge you to take this matter seriously and promptly address the issues at hand. I have submit dispute documents regarding Negative, incorrect, and outdated information. I Value my credit integrity greatly and fully intend to exercise my rights under the FCRA to the furthest extent. I expect a prompt and satisfactory response from you at your earliest convenience. 

In Violation of Consumer Law 15 U.S. Code 1681b Subject to subsection any consumer reporting agency my furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom is relates. 

Each Account is owed {$1000.00} due to Violation
Consumer complaint received 2023-07-25
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Atlanticus Services Corporation (MN)

XXXX XX/XX/2024. 

The Manager/Director Credit Card Department XXXX  , Account Services XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX phone : ( XXXX ) XXXX Dear Sir/Madam : ( RE : Card # : XXXX ) I am writing in reference to the above credit account number. I hate what you did to my account and demand an action from the Consumer Financial Protection Bureau ( CFPB )!!! I was always on time with my payment, not a single payment was missed over the years, and I complied with the Terms of Agreement and Disclosures. But you, a XXXX Credit Card Company, decided to impose recent changes by raising my Interest Rate ( APR ) at skyrocketing rate of XXXX  % & XXXX % fixed rate effective XX/XX/2024 and added an account Maintenance Fee of {$5.00} per month and then asked me to either reject or accept the NEW terms. And if you reject, the account will be closed. XXXX XXXX XXXX  Analyze that and see if the customer is and will be better off either way. There is NO WAY!!! These CREDIT CARD Companies are truly XXXX XXXXXXXX!!! 

Since you already closed my account and had impacted my Credit Score downwards, I want you to lower my interest rate to XXXX % ( fixed ) and I will continue to pay at that rate over the years until paid. I am committed to paying my debt ( like a Debt Management Program ) at that lower interest rate ; but NOT the fixed XXXX % or XXXX9 % as you had imposed in a usurious ( XXXX  ) way.
Consumer complaint received 2021-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I went to https : //www.transunion.com/ to get a free credit report. When I signed in, they collected my credit card. I believed all of this information was for my credit report, but then I received an email saying I was billed. 

I found the website of Transunion to be intentionally deceptive. The button I originally clicked to initiate the purchase just said " My credit score & report '' and then I was only told it would cost money in a tiny little bit of text on the larger form. I believe Transunion knows that consumers think they're getting a credit report when it is actually charging them for a paid subscription, and keeps their webpage designed this way to trick consumers for their own profit.
Consumer complaint received 2020-06-12
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: Selene Holdings LLC (NY)

SELENE FINANCIAL LP ACCOUNT NUMBER XXXX Must be removed from my credit file. I personally spoke to the firm. They do not have any records of my account.
Consumer complaint received 2017-05-31
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: United Student Aid (USA) Funds (CA)

I never received any written information about wage garnishment, so I was unable to response. The day my employer received the information I called and reached out to  USA Funds and they said they are n't able to help rehabilitate my loan or stop wage garnishments. They do not want to help and I ca n't afford these payments. I wo n't be able to pay my bills or rent for my family.
Consumer complaint received 2023-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (GA)

Acct Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX # {$670.00} Date Opened XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2022-01-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

I XXXX XXXX checked my report an i noticed some fraudulent an inaccurate accounts listed on my report i then reached out to the credit agencies to remedy the situation but they wouldn't help me correct these fraudulent and inaccurate accounts
Consumer complaint received 2022-11-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I sent a letter to XXXX, XXXX, and XXXX on XX/XX/2022 it's been well over 30 days, I still have not received anything back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. This is a violation of my rights.
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (FL)

XX/XX/XXXX : While out of the country ( in XXXX ), we discovered that unauthorized withdrawals from our checking account in the total amount of {$3900.00} ( 4 transactions - {$2700.00} posted on XX/XX/XXXX ; {$900.00} posted on XX/XX/XXXX ; {$240.00} posted on XX/XX/XXXX ; and {$45.00} posted on XX/XX/XXXX ) had been made. 

On that same day, we immediately phoned our bank from outside the country and was told that we must wait to file a dispute until the withdrawals posted to our account. On XX/XX/XXXX, we filed our initial dispute with the bank. On XX/XX/XXXX, we were advised the bank did not feel an error occurred as the transactions appeared to be authorized because of successful online banking logins and attempts. 

On XX/XX/XXXX, we filed our second dispute with the bank. On XX/XX/XXXX, we were advised by the bank that there was no error as the activity matched our CVV, address, and zip code. 

On XX/XX/XXXX, we filed our third dispute with the bank. On XX/XX/XXXX, we were again advised that an error did not occur as the activity matched our CVV, address, and zip code. 

We then went to a local branch for assistance. The bank manager was wonderful and very helpful. However, it soon became clear to all of us that her hands were tied. She escalated the matter to her manager and then the manager above that person... all with the same results. 

Our argument this entire time was that if a criminal was going to steal our information, that person would steal enough information to make our debit card work or the online banking work. The debit card used for these transactions was in our personal possession in XXXX the entire time from XXXX XXXX XXXX. We have offered to prove our travel to the bank. We have also offered to give our permission for the bank to run our credit report as one of these transactions was through a bank for a loan ( at least that is our understanding ). None of our offers have been accepted. Additionally, we aren't given any other information that " the information matches. '' If something was purchased online, we asked for the IP address of that computer and offered to provide the IP addresses for the devices we have. Additionally, we asked for information on the location from which these transactions originated. Again, we were not given this information. 

We have gone through the bank 's process for disputing claims. This has now been ongoing for four ( 4 ) months, and we continue to VEHEMENTLY deny that we ( or any authorized person ) made these transactions. It is quite disappointing to have one 's own financial institution believe criminals over their own customers/account holders.
Consumer complaint received 2023-03-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

Date of purchase XX/XX/2022, the amount of holding where, XXXX of XXXX i contacted Coinbase about missing assets and while I was on the phone with them empty my bank account, XXXX date of purchase XXXX XXXX purchase price was. XXXX on XXXX XXXX AUR ; XXXX with 20 other Assets
Consumer complaint received 2024-04-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SANTANDER HOLDINGS USA, INC. (AZ)

The person calling me is claiming to be a Mediator from a law office representing Santander Consumer USA for a truck that was repossessed in XXXX. This debt was handled in a XXXX XXXXXXXX bankruptcy that was filed in XXXX and discharged several years later. All debts were restructured and paid back. This included the original debtor, which was XXXX XXXX XXXX and Santander Consumer USA was a debt collector representing them at the time and they were notified as well. Since XXXX of XXXX, I have been receiving several phone calls from XXXX and they have been leaving messages claiming to send a sheriff out to my house with a warrant to arrest me if I do not contact them to pay off this debt of over {$15000.00}. I have spoken to them on several occasions explaining to them that this was included in a XXXX XXXX  bankruptcy, to which they have called me a liar and told me that don't care that I have a lawyer and that I am living in a XXXX XXXX. I have asked several times for documentation that a debt still exists and they tell me that I know it exists and that they will be suspending my DL for the state of Arizona and that a deputy with XXXX XXXX will come and arrest me and take me to jail on a warrant for my arrest. I have checked my credit report several times and I fail to see this debt even listed. I am tired of the phone calls and the nasty messages that are being left on my voice mail. Please do something about this.
Consumer complaint received 2024-04-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (CA)

On XX/XX/year>, My husband and I opened a Chime online bank accounts to use as individual spending accounts outside of our normal joint checking at XXXX XXXX XXXXXXXX. On XX/XX/year>, I added {$200.00} to my chime account using my XXXX XXXXXXXX XXXX debit card. I had transferred out XXXX from an XXXX XXXX serve account we had previously used for our individual spending. I also linked my XXXX XXXX XXXX checking account to my Chime account using XXXX service to link my account online. Once my account was linked, I schedule a ACH transfer for XXXX which was the remainder of the funds I transferred from my Serve account to the XXXX. 

I set up direct deposit with my Employer for my next paycheck which would have been on XX/XX/year> through my employers HR system. 

I also sent a test payment for {$1.00} to my husband to see what it looked like when we sent money to people through Chime and how difficult it was for people to redeem. 

At XXXX AM PDT on XX/XX/year>, both my husband and I received an email from chime saying they had decided to end their relationship with us. They did not mention what would happen with the funds that were in my account, which at this time was {$200.00}. My husband had not yet transferred any money into his account. 

I called Chime customer service and they said they could not tell me any additional information, but told me that they were " unable to offer me a refund '' for the money I had in the account. I have contact chime customer service two additional times to confirm. The second representative told me they were going to return my money within 30 days, but the third representative whom I spoke with today said they would not be returning my money. 

They did not want to hear any information and did not ask me any questions which might have been able to clear up whatever " wrongdoing '' they seem to think I have committed.
Consumer complaint received 2021-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

On 2 previous occasions, I have tried to get Experian Credit bureau to report accurate information on their credit reports regarding my name and address. This will be the third and last attempt for them to get it right. Experian has a negative history reported on the Internet regarding falsely reporting of consumer credit report information and I do not want to be their next victim.

I want them to remove past residence addresses, phone numbers etc. Since I don't live at these addresses anymore the USPS can not deliver that mail to me. And they are not reportable as per the FCRA. Since they are inaccurate. Enclosing information. Also both XXXX and XXXX have received information from a creditor regarding a negative dispute date for FCRA required removal of a specific item. Both XXXX and XXXX have removed this negative item from their reports, Experian acts like it doesn't exist. It The item has yet to be removed.
Consumer complaint received 2023-03-10
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. (NJ)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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. In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please 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 and pursue legal action. 

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 2023-03-10
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. (CA)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I am writing to address the severe discrepancies I discovered upon reviewing my credit report. The inaccuracies I found have caused me significant distress and concern. 

During my recent investigation of my credit report, I uncovered several unverifiable, invalidated, inaccurate, and questionable items. It is unacceptable that your agency failed to ensure the accuracy of these reported items, as mandated by the Fair Credit Reporting Act. 

Under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), it is imperative that all information on my credit report is reported accurately. The presence of these inaccuracies is a direct violation of these regulations. 

Enclosed, please find copies of all letters I have previously sent in an attempt to rectify these errors. 

I demand immediate action to address and correct these inaccuracies. Failure to do so will result in further escalation of this matter. 

I expect a prompt response from your agency regarding the steps taken to resolve this issue.
Consumer complaint received 2023-03-04
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. (NY)

XXXX XXXX sold a debt to XXXX XXXX and send me a letter in the mail stating that XXXX OWNS THE ACCOUNT. I have disputed the accuracy of this account and yet it has always came back as accurate/ verified. FCRA 623 ( a ) ( 2 ) requires that a party who has reported information to the XXXX  must promptly update that reporting as necessary to maintain its current accuracy. Thus, the XXXX XXXX XXXX was required after their sale of the debt to XXXX XXXX to promptly update the current balance to {$0.00} since no debt is therefore owed to them. Which they have never done no matter how many time this account was disputed. Both XXXX XXXX XXXX XXXX can not report a balance only XXXX
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

I have a business checking account with Chase. I also have a business line of credit with Chase. I make direct payments to my line of credit every month. I looked in my business checking account and there was a withdrawal of {$830.00}. I did not know who this was and I called Chase. They did not know who it was and reported it as fraud and told me I should immediately close out my business account and they would refund the amount. Two days later I look in my Chase line of credit and I see they made an automatic payment from my checking account in addition to the {$1200.00} payment I made. In 22 years they have never taken funds out of my checking account and this was not authorized. I called Chase and told them it was them taking the funds out ( they were still not aware that this was Chase ) and they told me to come into the branch and sign a form to stop auto deduction which was never requested in 22 years but they needed this form signed. So I signed it. When they reversed the payment on my line of credit they charged me {$25.00} plus interest for 30 days. I have spoken to my branch and their finalizations is that they can't do anything that I have to call the XXXX number. I call the XXXX number and they tell me I have to go to the branch. Emails have gone back and forth from the XXXX number to the branch and each one blames the other. The incompetence of this institution is overwhelming. This has been going on since XX/XX/XXXX and it is now XX/XX/XXXX. I don't know how many consumers they have taken advantage of but I feel they should be reported and fined and should refund my money and the outstanding interest they have charged me for their own discrepancy. They are a multi billion dollar corporation and they can not even correct their own mistakes. I will be reporting this to the XXXX as well.