davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (PA)

I have been banking with chime for quite awhile now and have had absolutely zero issues with them. Theyre general customer support is always very fast and courteous which makes this current situation even worse overall. On the night of XX/XX/XXXX and into the early morning of XX/XX/XXXX i had XXXX unauthorized transactions to a website totaling over XXXX dollars and completely wiping my bank account of any funds. I immediately disputed every charge and was in a frequent chat with the dispute support team with my claims. I was lead to believe that a temporary credit would be served to my account while they " investigate " the charges which was great news since i had significant bills that needed to be paid. On XX/XX/XXXX at XXXX XXXX  i recieved a very short e-mail saying no fraud occured and no credit would be issued, if i have questions to contact their support staff. I immediately messaged the staff only to recieve a computer generated response telling me i could recieve the documents they used to make their decisions but it would take at least 10 days, which is unreal to me. Im currently out over {$800.00} and its completely not my fault with absolutely no support besides the same generated computer response i get no matter the question i ask. I love this bank, its easily the best ive ever used, but this is awful and has destroyed my family and i 's mental state.
Consumer complaint received 2021-08-12
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: R.M. Galicia, Inc. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Consumer complaint received 2021-08-12
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. (CO)

I'm filing an official complaint against Experian Credit bureau for their refusal to comply with the law. I have documented letters dating as far as XX/XX/2021 requesting an investigation of my credit file they maintain on me. This organization has " No '' regards for the law whatsoever. They have caused me harm and I have suffered a setback because of their failure to correct inaccuracies on my credit report. I was denied a much needed car loan, which would have allowed me the opportunity to travel back and forth to my job. I'm requesting your help in my situation at this time. Please respond to my request at your earliest convenience,
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have attached three accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus.
Consumer complaint received 2021-08-12
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Continental Services Group, Inc. d/b/a ConServe (CT)

The company calling was CONSERVE. When I returned the phone call they said they sold my number. They said they have every right to call any number for debt collection. I asked if I had a debt and they did not know but offered a service to help with debt. I have NO debts.Their number was XXXX XXXX XXXX. They ( the man 's name was XXXX XXXX XXXX said that they do not look at the do not call list. And again tried to sell me a service to avoid debts. This is a scam
Consumer complaint received 2021-08-12
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: CITIBANK, N.A. (PA)

I had 3 fraudulent charges on my Citi card which I disputed on XX/XX/2021. The first 2 fraudulent charges Citi resolved and credited back to my card. The 3rd charge for {$250.00}, which went to a XXXX account, Citi said they needed to investigate. 

On XX/XX/XXXX Citi reached out to me with a response from the vendor and said I needed to sign a form saying I did not benefit from the transaction and it was not authorized by myself or anyone authorized to use the card, which I signed and returned on XX/XX/XXXX.

As I check my Citi account, there is a message dated XX/XX/XXXX saying that Citi has concluded they're investigation and found I'm liable ( apparently the vendor provided a fraudulent receipt and Citi didn't ask me for any followup regarding the misinformation on that receipt ). 

I'm baffled how Citi can conclude I'm liable before I had even sent back the affidavit affirming that I didn't make this charge, and without following up regarding the receipt the vendor sent which lists an email that is not mine, a fake receipt web address, a fake storefront web address, and a purchase for " furniture '' from a store in Michigan while I'm in Pennsylvania and there is no shipping or tracking information. 

Citi has reapplied the {$250.00} charge to my account which is showing on the outstanding balance. I will not be paying this amount, and am seeking resolution from Citi.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ARVEST BANK GROUP, INC. (AL)

I received a notice that my credit score was impacted negatively. When I checked my score Arvest mortgage reported that I hadn't made a payment and that my payments were more than 120 days past due although I was in Forbearance at the time. Although I had resumed making my monthly payment in an agreed upon loan modification, they stated that I hadn't made my payment. My credit score dropped over 100 points as a result of this misinformation and I believe that their false reporting was an act of revenge and is illegal. I want the information corrected and the remarks removed from my credit report!
Consumer complaint received 2021-07-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (WI)

I set up a XXXX $ a week payment arrangement .. I was able to pay XXXX XX/XX/2021 and should have been good for months from this point on The collection department has called 5 to 10 times a day since stating I'm late I called to find out what happened to my payment arrangement and they told me it was void cuz I paid to much and that's not how it works .. I was repeatedly interrupted when asking I asked several times for a supervisor and was passed off to another non supervisor who would not give there info so I can file a complaint. I called back asking for a corporate number I was given 2 numbers that directly brought me back to collections.. I've asked them for covid help and got nothing I've asked for supervisors got another collection agent. They have lied to many times setting up promises of hope then without notice canceled my payment plan
Consumer complaint received 2021-08-11
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. (FL)

Sent a letter on XX/XX/2021 and sent another letter on XX/XX/2021 in regards to the first letter where I received no results or any certified copy of proof of debt.
Consumer complaint received 2021-08-12
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. (MD)

I have send over 5 requests to Transunion They are not updating my report or removing inaccuracies- They have not given me a copy of my report. They sent 1 generic letter!

They are the ONLY reporting agency reporting these!

Reporting inaccuracies XXXX - says Im a co-signed on a count never provided proof of debt validation XXXX XXXX Ac

count- has a person same name with a totally different sob and social from me and still reporting the fraud XXXX- states a late payment it it was paid off early in full never was late ever!

The inquires attached were done without my consent. Signature or acknowledgment and they wont remove after contacting them three times they have failed to protect my rights by law and harming my score and credit account with inaccuracies they also have not update XXXX XXXX on accounts that have XXXX XXXX since XX/XX/2021 I want them held accountable
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

The following pubic records are not only old but also fradulently reporting on my credit file, and it has caused me alot of hardship, therefore, I'm demanding the removal of the following accounts.

1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-08-12
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

Customer reached out to Mr. Cooper in XXXX of XXXX due to an employment change during the Covid Pandemic. The Mr. Cooper representative suggested a loan modification, so he started the process. The forbearance was from XXXX - XXXX of XXXX. He was assured on multiple occasions that the mortgage payments would not be reported as late/past due because of this process.

Mr. Cooper sent closing documents on 4 separate occasions because they kept sending incorrect information. Mr . Customer was also told they could not find the documents that were sent back even though XXXX confirmed they were delivered and Mr. Cooper cancelled the modification making him start over again. Mr . Customer followed up with them on multiple occasions to have the process completed and this never happened. He finally gave up on the process after almost a full year of trying to complete it abiding by their terms. 

He made the following payments to catch up the payments : XX/XX/XXXX : XXXX XX/XX/XXXX : {$12000.00} XX/XX/XXXX, {$1300.00} XX/XX/XXXX, XXXX Mr . Customer 's ex-wife Customer 2, is still on the mortgage and signed all the documents Mr. Cooper requested. On XX/XX/XXXX, she received notification from XXXX  that her credit score had dropped ( substantially, over 100 points ). The credit report from XXXX is now reflecting over 120 days past due with Nationstar/Mr. Cooper and a past due balance of over $ XXXX. 

We are asking that Mr. Cooper/Nationstar please contact all 3 credit bureaus for each of us to have these late payments corrected and the past due balance removed since this is the negligence of Mr. Cooper/Nationstar not holding up their promise. Customer 2 works in the XXXX XXXX, and this could severely impact her employment if not resolved quickly. Mr . Customer 's employment is also impacted by a negative credit score. 

I have copies of the payment history, along with the negative bureau report for customers if needed. Customer 2 called Mr. Cooper/Nationstar on XX/XX/XXXX and was told that loan modification negatively impact credit and no help was given even though that is not was previously disclosed at the beginning of the process.
Consumer complaint received 2018-03-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (NY)

I never received notice of this bill I was check my credit on XXXX   and saw this medical bill from : MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX  ( XXXX  ) XXXX Opened XX/XX/2017 ( 3 mos ) Placed for collection Original Creditor Name XXXX MEDICAL CENTER
Consumer complaint received 2023-02-19
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. (VA)

The account in Collections from XXXX XXXX has some inaccuracies through out all three bureaus. The status shows as Open and Past Due, Dates of last activity is not matching ( all 3 are different ), And all 3 reports have different payment history. 

The account with XXXX XXXX is for the same account as XXXX and again, none of the three reports match. Dates are different, the balance and payment history does not match. Lots of inaccuracies. 

Can both companies report the same account?
Consumer complaint received 2021-08-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have been disputing XXXX XXXX XXXX XXXX  on my XXXX  and Equifax report for over a year now. Each month they are reporting 2 separate accounts for the same lease. XXXX and XXXX. I have contacted original creditor the true balance and they have added on about XXXX dollars to the bill. I have asked several times for them to validate the debt but they never send me anything. The Date of First Delinquency XX/XX/2019 is not correct they have RE_AGED the accounts, Also XXXX XXXX XXXX XXXX is reporting these amount each month past due. Collections can have balance but no Past Due Amounts or Payments. My rights have clearly been violated and I want these 2 accounts Delete.
Consumer complaint received 2021-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I had a Visa credit card ( cash rewards ) with Bank of America, since XXXX. In XX/XX/XXXX, I moved back to XXXX, and stopped using the card. 

I also had a checking account with Bank of America. 

I have complaints about both accounts. 

My complaint about the credit card account : In XXXX, I found there were about 6 or 7 fraudulent charges from XXXX on my credit card. I called Bank of America, reported this, and ask them to reverse the fraudulent charges. I asked for their mailing address, so that I could put my requests in writing, and was told that calling over the phone was the only way to solve the problems. 

Because I lived in XXXX, I had to call them in the middle of the night. When I did so, I had listen to their music for 35 to 40 minutes each time, on an international call. I called them four or five times over a few weeks, and finally Bank of America told me they had reversed all the fraudulent charges. I subsequently found that they had only reversed one of the charges. I then telephoned them again ( which again required several calls ), and told them to reverse the rest of the fraudulent charges. I also told them to close my account immediately. Unfortunately, these telephone calls did not produce the desired results. 

After a few months of calling Bank of America, I found that I could not log into my account anymore. Assuming they did their job properly, I did not owe them any money, so I gave up calling them ( by this stage they had used a lot of my time and sleep ). 

In XXXX of this year, I returned to the USA, and discovered that Bank of America claims that I owe them {$72.00}. I then telephoned Bank of America several times ( now a local call ), but despite my best efforts : they could not explain the reasons for closing my checking account without refunding my balance [ see checking account complaint below ] ; they would not reverse the fraudulent charges ; they could not provide any evidence to support their actions ; they refused to provide a person or address to which I could direct written correspondence about the problems. 

I am also concerned that Bank of America has wrongly damaged my credit reputation. 

My complaint about the checking account : I also had a checking account with Bank of America, since XXXX. When I had the problem with my credit card, my checking account had a balance of a few hundred dollars. During my phone conversations with Bank of America, I asked them to close my checking account, and send me a check for the balance. Bank of America closed my account, but did not send the check.
Consumer complaint received 2021-08-12
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: Bread Financial Holdings, Inc. (TX)

Please remove the accounts I have listed here. These companies have had more than 90 days, which I have given them more than enough time and 3 dispute letters were sent to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Some of these companies send a template response back that I should wait LONGER. This is unacceptable. The FCRA gives them 30 DAYS. They have taken over 90 ; this is a violation and they are required to remove all of the accounts that they have failed to investigate. There is no way that the FCRA should be ignored and I have to suffer, especially during a time when credit is needed for employment, dwelling, insurance, and more
Consumer complaint received 2021-07-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 60 days. I feel as though I'm being used and that my complaints are being ignored. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

This was a checking acct that I rarely used, with the exception of a couple auto-drafts that I cancelled and reassigned to a different account. An auto-draft that I had cancelled was presented to XXXX and was paid by them, along with OD fees ( even though I opted out of OD protection ) and overdrew the account. XXXX failed to notify me of the OD. I logged into the account to close it and saw the OD, so I attempted to make a transfer, but my transfer access was closed. I called them and was advised that I had to make a deposit at a branch. Since I was living out of state and there are no branches in my state, I had to deposit the amount to a family member and have them go to the branch for me. This was done the same day within hours of seeing the OD. 

I immediately called XXXX to let them know and the branch supervisor that I spoke with stated everything was alright and the acct was going to be closed as requested. Shortly after that I found this acct had been reported to XXXX XXXX XXXX and Experian as a Paid Charge-off. I work very hard to maintain good credit and banking relations and believe this reporting to be inconsistent, filed in error and unjust. I have disputed the info with XXXX, the credit bureaus, XXXX and XXXX with zero resolve. It remains on my credit reports as a Paid Charge-off, which caused my FICO scores to drop by XXXX points. 

I discovered the overdraft and made the deposit on XX/XX/XXXX. The only notice that I received from XXXX was on XX/XX/XXXX, dated XX/XX/XXXX. The bottom line is that even though XXXX did not alert me that the account was overdrawn, I did discover it and made the deposit within one day of their backdated closing letter. XXXX is acting extremely petty with zero regard of the hardship that they are causing me. 

My next step will be to file suit against XXXX. I have consulted with a consumer banking attorney and he has counselled me to give this one last shot with CFPB before filing suit. Once we file the suit, there will be costs associated and it will no longer be a simple issue of XXXX removing the account from my credit reports, as we will be seeking all costs and damages.
Consumer complaint received 2021-08-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (IL)

On XX/XX/2021 radius global solutions, mailed me a letter threatening to add a derogatory mark to my credit report for debt committed via fraudulent activity. Upon further research, the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, radius global solutions has violated my rights as a consumer and I am requesting legal action to cease any type of contact and remove any collection accounts immediately.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Account Name : Dept of Ed TransUnion XXXX XXXX are reporting my account information as 90 days late which is false I have contacted the creditors & all my payments from each year are up to date. The fault in you guys computer system has been bringing my scores down. I need this information updated ASAP and have my account 100 % accurate. Due to the fact of the length of time this has been Hindering me I asked for a score upraise as well. Thank you