davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-12
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SIMM Associates, Inc. (TX)

I have been harassed by postal mail several different times, by several different collection agencies representing XXXX XXXX XXXX. The first harassing letter was sent by XXXX, which after I filed a complaint here with CFPB, in XXXX, they said they would stop contacting me regarding the debt they allege against me as it has absolutely no merit. The second harassing communication came by way of XXXX XXXX XXXX in XXXX, XXXX, the next was by XXXX XXXX XXXX, also representing XXXX XXXX XXXX which occurred in XXXX, XXXX. The most recent communication was sent to me by their third company, SIMM ASSOCIATES , INC. dated XX/XX/XXXX. The letters are the exact same each time. Each time they allege that I owe money for a student loan account that they allege I defaulted on XXXX, XXXX, XXXX. Not only do I not owe this debt, the information they have and continue present is completely false. I dispute this debt!. Each time they threaten me, they present false documents and they allege that I benefited from proceeds of a student loan that I do not own. I have statements from both my private and federal student loans to show that I do not owe any outstanding debt. This is a fraudulent company who buys false documents from somewhere and they harass you at every end using fear and intimation tactics each time. What I know about XXXX is they have been party to a Federal Court case over 20 times for violating consumer 's rights and using illegal harassing communication tactics to coerce a payment. Well, it will not happen in this case. These practices must stop. It takes me time and great effort to continue responding to these harassing letters every few months. It also causes me emotional turmoil to be accused of owing a debt that they threaten against me. These actions are malicious and are intended to inflict emotional distress to coerce me to pay for something I do not owe.
Consumer complaint received 2024-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/XXXX, I received a email notification that my account with Truist bank was over drafted and a {$36.00} overdraft fee was charged. I reviewed my online account and noticed a charge of {$49.00} for a annual fee associated with XXXX  was charged to my account without my authorization. I contacted Truist bank to ask for the overdraft fee of {$36.00} to credited back to my account and to remove the {$49.00} charge as well. 
Last year on XX/XX/XXXX, I set up a recurring annual fee of {$39.00} with XXXX  from another checking account I have with Truist. This account ending in XXXX and was associated with debt card ending in XXXX. Some time in XXXX after this charge, the account was closed. Its clear that Truist allowed XXXX  to debit my other account ending in XXXX that was not associated with the account ending in XXXX that closed in XXXX, nor was the card ending in XXXX associated with this account. As such, my account should not have been debited. The excuses given was the card associated with the other account however, records show the card associated with XXXX that was debited was only issued in XX/XX/XXXX and was only associated with one account. Truist provided a merchant with access to personal account without my permission and freely took funds out my account causing a fee due to their banking error. 
After speaking with the representative and the manager which was very rude, they canceled my debit card because I claim it was fraud. Now, I have no way of depositing funds into the account to clear the negative balance for 7-10 business days which will again result in another overdraft charge. 
Truist should not have allowed a merchant charge to go through if the request was for a separate account that had closed. Instead they provided the merchant with my PII of another account I had with the bank and allowed funds to be debited knowing it would resulted in a overdraft charge which the bank would benefit from.
Consumer complaint received 2020-08-12
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. (OH)

I looked at my credit reports i found personal information that is not correct. 
My name is XXXX XXXX, these name variations are wrong. 
XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX My current ADDRESS is XXXX XXXX XXXX XXXX, XXXX, OH XXXX These address are wrong : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX   XXXX, XXXX, GA XXXX My employer is XXXX   XXXX XXXX  XXXX XXXX These are not correct XXXX1099 EMPLOYEE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX
Consumer complaint received 2020-06-17
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. (TN)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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. 
Company Inquiries : 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 2022-10-31
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. (NY)

To Whom It May Concern : I have not only included the letter from XXXX but I am now going to include their faulty system in which XXXX claims they sent on time and in addition sent their billing to me at all. I never received the billing for certain months. 

To add to that as stated I have and will never be able to get in touch with anyone at this institution. They refuse to pick up the phone. I just emailed the CEO and still no answers. 

I don't know how to get protected but I can't continue paying to a company in which they are not willing to fix anything and continue to not tell the truth about a computer system that doesn't work. 

They have not done their full due diligence and it does require a lot of effort and time. They should have the resources.
Consumer complaint received 2020-08-12
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2020-06-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I am now posting a third cfpb case because past matters are not resolved as well as more matters not getting resolved. The boa representative XXXX XXXX should respond because she has made phone contact and said to do so, where XXXX XXXX or XXXX XXXX dont really make any sort of contact. 
My current response to a whatever long dispute way now to be in reversal was emailed and message center posted, yet to have response back. A rather more than bogus covid19 faults and just whatever major losses challenged does exist about this airticket sale, and so it should not be reversed at all! 
My third debitcard visa hotel payment to arenteiro hotel in XXXX XXXX XXXX goes signed processed yet not against account activity or if to the hotel! XXXX trying to resolve! What an emergency at that time and finally evacuating via military measure shutdown and XXXX XXXX per XXXX usa!
Consumer complaint received 2020-06-17
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: Credit Plus Inc (GA)

i got a copy of my credit report and there are inquiries i do not recognize, XXXX and XXXX XXXX on XX/XX/2020 credit plus on XX/XX/2020 and XXXX XXXX XXXX on XX/XX/2020
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Information once again posing up wrong address and information. 
phone numbers not my numbers address never lived at need a full credit report due to same old thing as before wrong information and things not mines on credit report.
Consumer complaint received 2020-08-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (CT)

I applied for re finance of my mortgage from quicken loans, i was assured that if quicken loans will not able to approve my loan they will refund my my deposit money {$470.00}. 
I never sign a document which explains that if quicken loans refuse my loan they will not refund my deposit money. 

When I asked you are refusing my application therefore please refund my deposit amount I am being denied, I was cheated and my loan number XXXX and deposit agreement can be seen I had not signed.I request you to please take a proper action for the recovery of my deposit money. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX Ph XXXX XXXX XXXX
Consumer complaint received 2020-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

for a year noiw been having alot of troubles with phh mortgage since they took over the loan klast XXXX from ocwin ... this is the third time im contacting you for assistANCE ITS THE 3 DIFERENT PROBLEM IVE HAD WITH THEM THEY CONTINUALLY TAKE MONEY FOR ESCROW ACT BUT DONT PAY ANYTHING AND I END UP PAYING FOR THE TAXDS AND INSURANCE ... THEY WONT DEPOSIT THE MONEY BACK TO ME OF {$790.00} THEY SENT ME A CHECK IN XXXX THAT I GOT AND I WENT TO XXXX XXXX XXXX  AND DEPOSITED IT THEY IMMEDIATELY BOUNCED IT ON ME IT WAS WRITEN TO ME AND DEPOSITED INTO MY ACCOUNT AT XXXX   XXXX XXXX  COSTING ME {$12.00} IN THE CANCELED CHECK THEY PUT ON IT ... NO REASON DID THEY EVER GIVE ME FOR DOING THIS TO ME ... THEY SENT ME ANOTHER ONE AND I RIPPED IT UP AS NO WAY I COULD TRUST THEM TO DEPOSIT THIS CHECK AND GET IT BOUNCE AGAIN ON ME AND ANOTHER XXXX BUCKS I SENT IT BACK TO THEM TELLING THEM THIS ... WHAT DO THEY DO SEND ME ANOTHER AND I RETURNED THAT TO ... AGAIN STATEING YOU TAKE MY MONEY AUTOMATICALLY OUT OF MY BANK ONLY WAY I SEE YOU GETTING IT ACK TO ME IS ELECTROCALLY DOING THIS AFTER A YEAR OF SOLID MULTIPLE PROBLEMS TENDING FROM NO 1040 FORM FOR TAXES WHEN THERE WERE TWO OF THEM LAST YEARS AND NOT LETTING ME INTO MY ACCOUNT AND FREEZING IT ON ME TRICE ONCE IN XXXX NEXT IN XXXX AND XXXX..WHICH I HAD TO COMPLAIN TO YOU HERE TO BEABLE TO LOG IN ... I DONT GET A BILL FROM THEM ITS ONLINE ONLY TO THEY WONT TALK TO ME ON THE PHONE MULTIPLE TIMES HANGING UP ON ME IN XXXX XXXX XXXX XXXX XXXX AND XX/XX/2020 ... .I DONT TRUST THEM AT ALL ... .THEY BOUCE THE CHECK THEY WROTE TO ME I TRIED TO PUT INTO MY ACCOUNT AT MY BANK THEY NOW CLAIM CAUSE OF FRAUD WHAT FRAUD IT S MY ACCOUNT WRITEN TO ME ... AT MY BANK!!!!!!!!!!! ... .THEY KEEP PLAYING GAMES SINCE XXXX NOT RETURNING MY MOMEY CALLED AND THRETEN ME ABOUT NOT HAVING HOME INSURANCE IN XXXX BUT SENT ME A LETTER A MONTH TO LATE LIKE I SAY INCREDIABLE MULTIPLE DIFFICULTIES AS HOW CAN I TRUST THEY WONT BOUNCE ANOTHER CHECK ON ME IT HAS TO GO DIRECTLY IN ... OR PUT IT ALL TOWARDS MY TAXES AND STOP TAKEING MONEY OUT FOR IT ... .HAS TO BE A MONEY ORDER SOMETHING THEY WONT BOUNCE ON ME ... ONLY WAY I SEE IS DIRECT DEPOSIT TO ME ... PLEASE HELP WITH THIS HORABLE COMPANY PHH MORTGAGE
Consumer complaint received 2020-06-17
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: Lazega & Johanson LLC (GA)

i got a copy of my credit report and there are inquiries i do not recognize, Lazega and johanson llc on XX/XX/2020 XXXX XXXX on XX/XX/2020 and XXXX XXXX XXXX on XX/XX/2020
Consumer complaint received 2023-01-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (IN)

XX/XX/XXXX NAVIENT reported all 3 of my my student loans as 90 days late, when ithey should have been in deferment status ( since XXXX ). 
I talked with Navient on a few ocassions when they indicated that there was an administrative lapse in the deferment. After initially speaking with Navient,, the account was returned to deferment but they said is wasn't possible to remove from credit report, This school loan is still in deferment. 
This school loan on my credit report is hindering my last hope to buy a house using my VA home loan benefit because is causes an unnecessary misbalance on debt to income ratio
Consumer complaint received 2024-04-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Chime Financial Inc (IL)

On XX/XX/year>, I sent {$250.00} from my Chime checking account to " XXXX XXXX '' using the " pay anyone '' feature which I had used several times in the past. I had also used this feature to send XXXX money in the past with no issues ever until this time. XXXX received a notification to claim the money since he was not a Chime account holder at the time and you dont have to be. When he clicked confirm via the text message he received, it typically takes him to a window to enter his debit card info in to accept the funds. In this case, it did not take him to that screen and the link automatically disappeared. We both called Chime several times since then and I even filed a dispute on XX/XX/year> which Chime rejected within 5 hours. On XX/XX/year> we had called Chime together after the issue and XXXX opened a Chime account with the hopes it would be easier for Chime to trace the {$250.00} and credit his Chime account. The Chime rep on the phone looked into the issue and gave us reassurance several times that the money would be in XXXX account within 1 hour. I have asked Chime for a recording of that phone call and they have ignored it. Now I am out of {$250.00} from my account and the recipient never received it on his end. I would imagine the XXXX have a way to track any money transfer from its origin to final destination. Right now the {$250.00} is sitting in limbo and I need it back in my account or have the recipients account credited.
Consumer complaint received 2020-08-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelson and Kennard (CO)

According to Nelson and Kennard who represent XXXX XXXX, XXXX state that i owe {$8300.00} for a account i did not own. I tried to get the information that they said they had to prove their case. I got a billing statement for billing that had a date of XX/XX/XXXX. the account was in my name and address was listed where i used to live. What caught my eye was the credit card account number was different from the credit card i did have with them and has since been paid and canceled. I told them that this account wasn't even mine. Their answer was because my name was on it it was my account and owed the amount. I asked Nelson and Kennard to show me the form where i signed for this account. Nothing was produced. If i understood Nelson and Kennard they are the second debt collector to have this account. They say I was served to appear in court. The age of the person served as XXXX, at that time i was XXXX the height of the person was XXXX foot, im XXXX. In order to put pressure on me to pay the debt Nelson and Kennard or XXXX had put a lean on me. I found this out when i tried to get a G.I. loan in XXXX for a home, of course i was denied the loan because of this.According to a screen shot page dated XX/XX/XXXX from XXXX it states that I do not make enough money to garnish. 
In short i never owned the card in question. I would like to have the Lean taken off and the debt erased. I feel they have taken away my right to getting a home for my family as owed thru the G.I. bill.
Consumer complaint received 2020-06-17
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. (NM)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2022-10-31
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2020-06-12
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)

My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 
XXXX {$17000.00} XXXX {$14000.00} XXXX {$0.00} XXXX {$0.00} XXXX {$64.00} DE [ TEDXXXXXXXX {$3500.00} XXXX {$64.00} DEPTEDXXXXXXXX {$3500.00} DEPTEDXXXXXXXX {$2000.00} DEPTEDXXXXXXXX {$2200.00} DEPTEDXXXXXXXX {$2000.00} XXXX {$13000.00}
Consumer complaint received 2022-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF NEW YORK MELLON CORPORATION, THE (CA)

Our XXXX, XXXX, XXXX, and numerous other recurring charges were not paid, numerous checks were bounced, and our debit card has been diabled for a month denying is access to our entire savings and our retirement income.