davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (WI)

On XX/XX/XXXX I had went to the gas station in my town at approximately XXXX at night. When I went to make my purchase my card was denied. I was very confused as I had just gotten paid that day so I should have had plenty of funds. When I got home I signed into my Chime bank account and saw that there was a transfer from my savings account of {$66.00} and from my secondary checking account for {$240.00} both put into my primary checking account and then a withdrawal of {$1400.00} transfered from my account to a gmail account. The funds were then reversed and then a second transfer was made for the same amount to a XXXX account. I immediately called Chime, as I did not make or authorize this transfer and filed a dispute they told me they would email me as soon as they came to a determination. I called them through out that week, then had to wait through the holiday weekend. When I called them again on XX/XX/XXXX they told me that the dispute was closed and denied. I then opened a rebuttal to my dispute, they told me to send in a written statement and the police report I had filed and any other supporting details. I emailed them the statement, the report, and a screenshot of the transfer taking place in my account. I then waited again and called each day again and today I got an email saying they were not changing their decision and closed it again. When I asked why they said they received no new information and could email me the documentions they had but it would take up to 10 days. When I asked to be given the information over the phone they said they could not provide that information over the phone nor could I speak to anyone who could. They told me that I could open another rebuttal if I had new information however I kept explaining that they have all the information that I have. My card was not taken or skimmed, my actual account was hacked into. I have sent Chime everything that I have and continue to say that I have not provided anything new and that no errors have been made. The hacker took everything in all of my accounts, Chime will not provide a provisional credit to help me pay my bills or admit that anything happened.
Consumer complaint received 2022-03-01
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (NY)

I received a letter from Target company on XX/XX/XXXX at XXXX hours stating I had a Target Credit Card application denied. I call the number on XX/XX/XXXX at XXXX and spoke to an agent. I explained to the agent that I did not apply for an application with their company. We went over some items and the agent said to make a complaint to the Federal Trade Commission ID theft.gov. I tried and was redirected here.
Consumer complaint received 2019-03-31
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (NC)

The XXXX and XXXX months in XXXX indicate that I didn't pay the monthly debt on time when I actually did. I made the payment with Navient on the phone before the due date but a report was sent to my credit that it was late. Also the last 5 months of XXXX reported that I didn't make a payment on time but I had the payments scheduled for automatic payment out of my bank account but a error occurred where payments were not made on time.
Consumer complaint received 2019-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NY)

American Express very recently charged me a {$450.00} annual fee on a credit card. They then closed the credit card ( which is wrongful as well ). I asked for a refund of the newly charged {$450.00} annual fee, but they have refused. 

The {$450.00} charge was made on XX/XX/XXXX. The card was closed by American Express on XX/XX/XXXX. They should not be permitted to steal {$450.00} from me. 

Thank you.
Consumer complaint received 2018-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In 2015 I lived in XXXX, Ga XXXX I was renting from XXXX XXXX XXXX. I explained to the office that I was being harassed by my ex and I wanted to break my lease to relocate. At the time I owed rent and they started a dispose s process I went to court and we decided with an arbitrator that they will take my security despoit if XXXX as the debt paid. At the same time the company was acquired by XXXX XXXX  which now I get not get any information from XXXX XXXX because that company it s dissolved I am now paying for this on my rental history and can not move forward in life because the company has closed. And XXXX XXXX has no accurate information. I have a XXXX year old with limited funds to hire an attorney for this I do not know where else to turn.
Consumer complaint received 2019-01-20
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. (NV)

I was recently looking at my credit report there is an account the was delete and was sold to another collection agency and it is not my account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DEMAND A RE-INVESTIGATION. 
I would like to know what was the method of verification ( mail, phone, E-Oscar, email ) FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Disclosures to Consumers Information Available to Victims. This slow or unresponsive method is unacceptable. I request to see ONLY original contract wet ink, proof of ownership ... ..anything else I will consider the account as unverifiable and should be deleted!
Consumer complaint received 2020-09-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I recently had a payoff amount made to Bank of America during refinance of my mortgage. 

I accidentally paid an extra month of payments in the amount of {$4300.00} on XX/XX/2020. 

After completing my refinance with different bank I realized my mistake and contacted Bank of America on XX/XX/2020. They told me it would take 24-48 hours to transfer the funds back into my checking account. I provided them with my bank account information.

I contacted them again at the end of the week. Each time contacting them as 90 minutes on hold on the phone. 

I was assigned a case number XXXX and told again another 24-48 hours. I was contacted by a supervisor on XX/XX/2020 who told me it was still in process and that we was again escalating my case. 

As of XX/XX/2020 it has now been 2 weeks after being told it was going to be 24-48 hours and B of A has not given me my money back.
Consumer complaint received 2019-01-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (WI)

Navient purchased my loan and since they have taken over my loan my interest rate has steadily increased causing my monthly payment to go out. I have kept making payments and tried to call and get answers as to why I have received so many increases I received no answer from the customer service agents and just more frustration due to their " help line ''.
Consumer complaint received 2022-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

We have owned homes since 2000. We have never had problems like we have had with PennyMac. 

We did not sign up with PennyMac. They " bought '' our mortgage from another company last year, soon after we bought our house. They have bungled the paperwork at every turn and exhibited a pattern of negligence throughout. 

1. Last year, they did not pay our taxes. We ended up paying out of pocket, instead of out of escrow. I see from the escrow records they sent the money SOMEWHERE, but it never arrived where it was supposed to ( XXXX XXXX XXXX XXXX ). 

2. Earlier this year, they suddenly said they were charging us for insurance, because we had no insurance company. We did, actually. When the bought the mortgage, THEY NEVER BOTHERED to contact the existing insurer and properly set up where the bill would be sent, again, to escrow. 

PS I would send the documents about the insurance mess, but PennyMac conveniently " wipes '' their message center over time, so you have no record of past disutes! I managed to save the PDF of one of those exchanges last year. 

This has NEVER HAPPENED BEFORE, ever, in 21 years of us being homeowners, and our mortgage was sold *four times* while we lived in Florida! 

3. So we come to now, and the reason for my panic. I got an email from them saying " No problem, we're paying your tax bill, it's all good '' and they said not to send them the tax bill. So when I got the XXXX XXXX tax bill : a ) It was for a different amount b ) It clearly said " send this to your lender '' c ) There was no indication on the bill they even knew who PennyMac was. 

( c ) is more frightening because the tax bill in Virginia ALWAYS said who the lender was, and actually said, don't worry about sending this to them, we've already done it. 

So in short, I've been abused enough. Someone needs to fix these problems once and for all. And just maybe, this is a PATTERN of abuse, that should actually be investigated. Are there other homeowners out there who aren't quite as vigilant, who are already in trouble with the local tax authorities, who are already paying double exorbitant insurance rates?
Consumer complaint received 2021-04-13
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Specialized Loan Servicing Holdings LLC (CT)

In the process of buying and selling a home. The new lender pulled our credit report and found the mortgage was reported as a charge off. Credit report looks like we defaulted. The mortgage company stated that credit reporting on our account was turned off and they do not know why. The last phone conversation I had with the mortgage company on XXXX, I was told they used the same code on our account as they would for a charge off. We need the correct information on our credit report so we can buy and sell. The mortgage company has been unable to explain what and how this happened and how it will be resolved. They have been clear that all payments are being made and our account is in good standing.
Consumer complaint received 2021-08-18
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. (FL)

XXXX, XXXX has a mortgage on our home. They falsely reported late payment dates to the three credit bureaus : XXXX, Experian, and XXXX. This is causing physical and emotional harm to US XXXX and XXXX XXXX becuase I had to give up my job to become a permanent, full time XXXX  for my husband who developed a XXXX XXXX due to the XXXX XXXX. We can not afford the home we will live in now and need to sell our home and find one that is smaller, more affordable, and retrofitted for a person with a XXXX. We can not sell our own home until we have mortgage pre- approval to purchase another home. XXXX. XXXX MUST CONTACT THE CREDIT REPORTING BUREAUS IMMEDIATELY AND CORRECT THE FALSE INFORMATION. Unless XXXX, XXXX makes the corrections to our credit reports we will not be able to get another mortgage loan and the physical and emotional hardhip will continue. We were in a loan modification program in XXXX through XXXX and a forbearance in XXXX which continues. XXXX, XXXX falsely reported late payments for the XX/XX/XXXX mortgage payment ( XX/XX/XXXX fell on a Sunday ). They had the payment in their possession but did not account for it until Monday XX/XX/XXXX they accounted for it as a late payment even though the bank certified check was check dated prior to XX/XX/XXXX. It was it not a late payment. XXXX. XXXX continued to report late payments for XXXX, and XXXX to the three credit reporting agencies during our modification program and forbearance. I called XXXX XXXX on XX/XX/XXXX regarding this false reporting. The agent told me that EVEN IF WE WERE IN A MODIFICATION PROGRAM THE PAYMENTS SHOULD NEVER HAVE BEEN REPORTED TO THE CREDIT BUREAUS AS " LATE ''. THE AGENT ALSO TOLD ME TO CONTACT XXXX, XXXX IMMEDIATELY TO DEMAND CORRECTION OF THE CREDIT BUREAU REPORTS. I wrote to XXXX, XXXX and demanded the corrections.
Consumer complaint received 2023-08-11
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 — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (TX)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2019-01-08
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. (TX)

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I sent a police report and letter to Equifax stating my identity had been compromised. I notated the account that needed to be addressed. XXXX XXXX Acct. XXXX. Equifax stated the account would remain on my credit with explanation responded with validation. Equifax violated sections 605, 609, and 611 of the FCRA I asked for verification but I never received no information to validate the reason for keeping fraudulent information on my credit report unverified or the method in which they verified information in which they fail to do so. I am requesting assistance in the removal of inaccurate information on my credit report. Equifax has failed to do due diligence in according to sec 605b and sec 609 of the Fair Credit Reporting Act. I contacted XXXX XXXX  and spoke with a customer service rep. that stated she couldn't locate an account at all. I demand this inaccurate information be removed from my credit report. XXXX XXXX didn't provide information within the 30 days as per FCRA which is a direct violation.
Consumer complaint received 2021-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have submitted a number of letter disputes and i they have not fully complete my re-investigation i have unauthorize and fraudulent inquiries on my report still i would like to have these deleted and company has not respond to my reinvestigation i have submitted over 30 days ago. my name is XXXX XXXX i am sending this complaint on my behalf please do not allow company to use stall tactic like they have before
Consumer complaint received 2022-08-16
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I contacted these companies to request proof & they have provided no information. They are required to delete these damaging accounts until validated. I have requested validation and they have not produced it. Additionally, I am sending dispute letters to Transunion requesting that they delete these erroenous accounts being reported on my File but have been doing nothing! Delete these now or I will take legal actions. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-08-11
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: CCS Financial Services, Inc. (MN)

These accounts and inquiries are not mine they was made without my permission, consent, inquires. Credit Collections Services ( CCS ) Reported : XX/XX/2023 Opened : XX/XX/XXXXXXXX Credit Collections Services ( CCS XXXX Reported : XX/XX/ Opened : XX/XX/2023XXXX or All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
Consumer complaint received 2018-09-10
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. (NY)

I have contacted all 3 credit bureaus regarding an account that is appearing on my credit report from XXXX XXXX XXXX! It is showing this account was opened in XX/XX/XXXX and closed in XX/XX/XXXX and charged off as bad debt on the amount of {$550.00}, this is NOT my account as I am a New York State resident and XXXX XXXX credit cards are not offered to consumers in this state! I have lived in NY state since XX/XX/XXXX and have supplied sufficient proof of this and I want this account removed from my credit reports immediately!
Consumer complaint received 2018-09-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (MA)

XXXX SOUTH DAKOTA N. was placed on my credit report XX/XX/2018 Erroneous reporting, violation of FCRA, FDCPA and failure to validate account before reporting to credit bureaus. This is a violation of my rights under the FCRA, and the violation of their requirements under the FDCPA because they still are reporting this account WITHOUT validation.
Consumer complaint received 2019-01-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

Basically I have been paying for years on a loan thats going no where. I have been on the income based repayment plan for a a few years now. I was inquiring about loan forgiveness programs as I have in the past. I am a public school teacher and was told that I was 74 payments in on the 120 total required for public loan forgiveness. Navient then told me to apply for the program with the department of education. I did, several weeks later I received my letter. I was denied, the department of education said I did not have the correct loans. I called navient back and told them about my letter. They said yes, you have to have a certain type of loan and that I could consolidate my loans and start all over at payment 1. At this point I was furious. I never missed payments, in the years since they took over my loan from a previous servicer. Everytime I would call they would push forberrance on me everytime like they really wanted me to do it. I felt pressured to put my loans in forberrance everytime I called in but I never gave in. But again I was more than upset that not once had they ever mentioned in my 74 payments that none would be counted. I feel they purposely did this so they can make more money. I need help, this is wrong, and companies like these are taking advantage of people!!! Please help.
Consumer complaint received 2016-04-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (AL)

Equifax is report that XXXX XXXX XXXX XXXX credit card accounts of mine were settled in XXXX. The accounts were settled in early XXXX. This is damaging my credit score. The accounts are : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Bank XXXX XXXX, XXXX Bank XXXX XXXX, XXXX Bank XXXX XXXX ( This account is being reported twice ). The other XXXX agencies are reporting correctly.
Consumer complaint received 2021-08-18
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. (SC)

Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I received from them a notice, via the CFPB website, that they were not able to respond because I was not listed on the accounts but they keep reporting these accounts on my credit report and haven't sent any mail-response as I requested for the Reporting Agencies to do. I have proof of the previous letters I sent via mail that have been uploaded to the complaint.
Consumer complaint received 2019-05-06
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: EQUIFAX, INC. (NJ)

Equifax and XXXX are reporting incorrectly that I am 120 days past due on XXXX - partial account number XXXX. ( Please see pages 16 and 17 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2019-01-20
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. (NV)

I WAS LOOKING ONLINE FOR A WAY TO BOOST MY CREDIT SCORE AN RAN ACROSS 2 COMPANIES THAT OFFERED TO REPORT TO THE CREDIT BUREAUS ALL 3 AND THEY GUARANTEED A IMMEDIATE REPORTING TO THE CREDIT BUREAUS. BUT I HAD TO PAY A FEE EVERY MONTH THEY REPORT. THESE COMPANIES ARE XXXX XXXX -- -- -- REPORT AS XXXX XXXX XXXX XXXX =========REPORT AS XXXX XXXX PLEASE XXXX XXXX XXXX, AND XXXX XXXX THEY ARE SCAMMERS!!!! ! XXXX!! I ASKED THEM TO STOP DEBITING MY ACCOUNT AFTER I HAD ESTABLISHED CREDIT OF MY OWN. AND THEY CONTINUED TO DEBIT MY ACCOUNT. THEY DO NOT OFFER ANY PRODUCTS ONLY TO REPORT TO THE CREDIT BUREAU. SO THERE FORE I ASKING THAT ALO 3 CREDIT BUREAUS REMOVE THESE 2 ACCOUNTS FROM MY CREDIT REPORT OR PROVIDE ME PROOF OF PRODUCTS ORDERED AND A PAY HISTORY .I HAVE BEEN PAYING THESE COMPANIES JUST TO REPORT TO THE BUREAUS TO INCREASE MY CREDIT SCORE.  PLEASE REMOVE