davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Ghidotti | Berger LLP (IL)

I have completed my installment as XX/XX/19 however I am still receiving a bill for the full installment I just paid off. I don't understand why the company keep moving the amount of my loan. I'm getting charged for addition finance charges as well as fees foe making payments for less then the installment amount of {$380.00} when the rep on my account set up payment to be paid every other week for a short period of time. I am concern that this loan will never be completed. the information is don't add up. I need a breakdown for the balance reminding on this account. 
I would like to pay it off as soon as possible.
Consumer complaint received 2019-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've contacted you all before. I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report. Police in my area have been notified, as well as, the FTC. These items still need removal : XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, Chapter XXXX Bankruptcy. Also the following inquires : 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 2019-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CA XXXX* ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX LVNV FUNDING LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CA XXXX*
Consumer complaint received 2023-06-12
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. (CA)

I have been contacting XXXX along with providing proof of debt payoff but XXXX is not correcting the credit report at their ends. XXXX is report 2 debt collection 1 is from 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 XXXXXXXX for {$21000.00} whereas I have proof that shows the account is now with XXXX XXXX XXXX does not conduct servicing or debt collection activities. So, you'll need to contact XXXX XXXX  to talk about the status of your loan. You can reach them at ( XXXX ) XXXX. Best Regards, XXXX XXXX. I have settled debt with XXXX and requesting XXXX to remove both negative balance from my credit report which XXXX is not agreeing with.
Consumer complaint received 2019-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (CA)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CA XXXX* ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX NATIONAL CREDIT ADJUST XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious NATIONAL CREDIT ADJUST XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CA XXXX*
Consumer complaint received 2024-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

I am writing to report an incident of unauthorized transaction and subsequent dispute with Chime Bank, and I seek assistance from the Consumer Financial Protection Bureau ( CFPB ) in resolving this matter. 

On XXXX  XXXX, I received my Social Security check into my Chime account. However, immediately after the deposit, the entire amount was taken from my account without my authorization. Upon discovering this unauthorized transaction, I promptly contacted Chime Bank to stop the transaction. Unfortunately, I was informed that they could not intervene until the transaction was processed, after which they could open a dispute on my behalf. 

After waiting for 48 hours and observing that the transaction had indeed gone through, I contacted Chime Bank again to open a dispute. Despite my efforts, Chime Bank declined my dispute after five days, citing a purported lack of proper investigation.

I strongly believe that my case warrants a thorough investigation and resolution. The unauthorized transaction has caused significant financial hardship for me, and I request the CFPB 's intervention to help recover my funds. 

Below are the details of the dispute : XXXX XXXX Claim ID : XXXX - Dispute Type : Debit - Unauthorized Transaction - Date Error Reported : XXXX - Claim Amount : {$1900.00} I kindly urge the CFPB to take swift action on my behalf to rectify this situation and ensure that justice is served. Please do not hesitate to contact me if further information is required. 

Thank you for your attention to this matter. 

Sincerely,
Consumer complaint received 2024-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (DE)

On or about XX/XX/XXXX at XXXX I entered a XXXX  at XXXX XXXX XXXX.Apparently the XXXX XXXX people where re feeling the machine with money ..Upon the XXXX  XXXX  completing entering the funds into the machine, I was immediately given a directive stating I was able to use machine ..I entered my chimes card, keyed in {$320.00} to withdrawal no funds where dispused instead a message appeared on the screen stating this terminal is out of service. I would highly appreciate if my funds could be replaced, that was my bill money & chimes shows no one empathy on individuals taking these loses through these ATMs I will never use CHIMES for anything ever again.
Consumer complaint received 2023-04-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I received a chain of emails starting at XXXX XXXX  while I was asleep from Bank of America to verify my email address to ensure that I receive all communications from the bank. Less than a minute later, another email was sent from Bank of America to inform me that I was enrolled in Online and Mobile Banking. And in a matter of 8 minutes interval two separate emails were sent sent from Bank of America informing that my online application for an Advantage SafeBalance Banking Account is in progress.Then the last two emails which were sent a few minutes later were to inform that the applications were approved and the new accounts were open. Considering that these events happened at night, I saw the emails in the morning and immediately contacted Bank of America to report the activities as fraudulent as I have not initiated any of them ; however the first customer service representative I spoke to was not diligent enough to transfer me to the correct department and advised that I didn't have any bank accounts open with Bank of America by verifying my SSN and other personal information. She also couldn't explain why I receive the emails and that didn't sit well with me so I decided to call again but this time instead of calling the main customer service number, I reached out to the fraud department which transfer me to the digital account opening department and the customer service rep was able to confirm that indeed two accounts were fraudulently opened with my identity. Subsequently I placed a freeze and fraud alerts on my credit report from all three credit bureaus and also XXXX. 
Five days later, the same thing happened again from Bank of America. Same chain of emails, email verification, online banking welcome email, application is in progress email and the final one : account is now open. I attempted to contact the bank but since it is Saturday the bank 's customer service is not available and the branch I visited was no help to do anything at all. 
I can not understand how after placing a fraud alert and security freeze on my financial information, Bank of America was able to open yet another fraudulent account with my identity. Better yet, in less than week I had already reported two fraudulent accounts to Bank of America. Who in their right mind opens three bank accounts in the same institutions in less than week time and the bank lets it happen without questioning any of it as fraudulent. Considering that I have note detected any other fraudulent activities with my identity, it leads me to believe that there is something shady happening with Bank of America to allow these fraudulent bank account opening activities to happen.
Consumer complaint received 2024-03-25
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

I contacted credit acceptance to retrieve the original signed contract with their terms of the agreement and was directed to a company I have no knowledge of. I contacted the company they provided and requested the same information and was told I would receive the signed contract and terms following the phone call and a physical copy by mail. I never received either and every attempt to contact them since have but without success.
Consumer complaint received 2024-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AZ)

I am reaching out to challenge the presence of the bankruptcy entry on my credit report. The discrepancies between the filed and reported dates, along with the closing dates, are troubling. Adding to the concern is the fact that I have a court letter explicitly stating that this bankruptcy should not be reported to you. The involvement of an unauthorized third party further compounds the absurdity of this situation.
Consumer complaint received 2021-03-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Hi, I submitted a complaint on XX/XX/2021 with complaint ID XXXX on issues about collecting on 2 credit card debts. I do not know if you requested information for me but I received correspondence from Portfolio Recovery Associates, LLC. Again please find the attached letters I keep on receiving from them when I ask for verifiable proof. I keep on asking that they provide me with a contract, signature that these are mine and I am obligated to pay them. They keep on asking me for additional information, I do not understand what additional information they want from me, I am looking for proof from them.

Best, XXXX XXXX
Consumer complaint received 2019-10-01
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. (KY)

XXXX ; XXXX  and Transunion are reporting incorrectly on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is reporting a balance due of {$8900.00}. The vehicle was sold at auction and sold for more than the balance due and owing and therefore this account should be reporting a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2018-04-09
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)

This company XXXX, Has placed a student loan on my credit report as a co-signer. I haved never requested a a loan from them nor have I agreed to be a co-signer. In fact, I Just noticed this loan to appear on my credit report after my account was breached at XXXX. I received notice from XXXX   that my information had been compromised. I did not attend any school to ask for a loan. All my loans are with another company. I have not received a letter from them because it is not my loan. I believe This company is trying to forced me to be a co-signer on a loan that is not mine. 

thank you XXXX XXXX XXXX
Consumer complaint received 2022-07-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIRST NATIONAL BANK OF OMAHA (MS)

This debt is over 7 years old. They sued and got a judgement. Which I filed a motion to set aside judgement. I have tried to settle the account but they refuse to remove from my report after we settle it.
Consumer complaint received 2023-06-12
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: EQUIFAX, INC. (GA)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2019-10-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A. (CO)

PNC customers may be somewhat shocked at how difficult, time-consuming, and expensive it is to schedule a wire transfer. I have been on hold for two hours trying to schedule this wire transfer for a home closing that is now in 2.5 hours. I was initially on hold for 50 minutes and the call dropped after the hold music timed out, and now I have been on hold for about an hour after speaking with an initial representative ( useless step ), the escalation department ( who was also useless ), and finally onto the wire department. 

My home closing is now in jeopardy because it took me hours to schedule the wire. I eventually got through and was taken care of professionally, but it is clear that PNC is understaffed and needs to invest resources into this function, or is avoiding doing so to keep funds in PNC. Further, the wire fee was {$45.00}. Quick online research indicates that {$10.00} is the standard wire fee that most every bank charges. This is price gouging. 

I want the CFPB to look into the business infrastructure and whether PNC just needs to invest more in their customer-facing business lines or if they are purposely making wires difficult, and secondly investigate the price gouging. They might be the highest fee for wire transfers of any Top 20 financial institution, and these fees are certainly not  advertised or else I would have switched to a different bank in advance of my home closing. I was naive to expect my own bank would be a smooth process.
Consumer complaint received 2024-03-25
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: Affirm Holdings, Inc (CA)

There is a personal loan on my credit report from Affirm in the amount of {$10000.00} opened XX/XX/year>. 
I have no knowledge of this loan, I have never taken a personal loan in such a high amount. 

Ive recently started checking my credit report for errors a this is an error. 
I opened a dispute with XXXX to get this error corrected but XXXX ignored my evidence and my statement and within less than XXXX reported back that the account is accurate. 

I submitted bank statements as proof that my account never received any such deposit. 

I gave a detailed statement that I never opened that account. 

My fico score isnt high enough to get a {$10000.00} personal loan. 

It seems to me that the investigation ignored all the obvious evidence that this is not my loan account. 

I can also submit bank statements proving that the alleged loan repayments XX/XX/year> never took place. 

XXXX knows this to be true since I have had an account on their app since before XXXX. Along with my XXXX XXXX account linked to it. 
Any real investigation would have shown what Im saying is true.
Consumer complaint received 2019-10-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Select Financial Services, Inc. (DC)

We signed a modification in XXXX and in XXXX regarding XXXX XXXX XXXX XXXX, Washington D.C. and those delinquent payments were to be placed at the end of the loan and paid at maturity. But the servicer XXXX and XXXX XXXX has missed applied the payments by apply payments made pursuant to the modification to the delinquent payments which are higher than the monthly modification payments, At the time that the servicer XXXX computed the modification for XXXX they missed applied more than {$30000.00} to the delinquent payments that was to be placed at the back of the loan. 

Now XXXX  has applied current payments made pursuant to the XXXX Modification to payments that is not due until maturity. XXXX  has not given the borrowers a fair opportunity to make the payments pursuant to the XXXX modification or the XXXX modification because of their practices of entering into a contract and misapplying the mortgage amounts to the months which aren't due. 

It is clear that XXXX does not intend to respond to this agency regarding this matter. or to the owners complaints. XXXX will most like cut an past their answer. The XXXX Loan Modification was in writing and binding to all parties. I  agreed to the contract in writing to XXXX XXXX and XXXX XXXX confirmed my agreement via in writing. The borrowers did not received in other document in writing regarding the loan modification. The first payment was made on or about XX/XX/XXXX and a second payment pursuant to the Loan Modification was made in XX/XX/XXXX. The borrowers also made additional payments pursuant to the XXXX Loan Modification that totaled about {$36000.00}, in XXXX which was received by XXXX XXXX the servicer on XX/XX/XXXX. But XXXX  has not provided the borrowers with an explanation where or when that amount was applied to the mortgage. On or about XX/XX/XXXX the amount owed on the mortgage was XXXX which almost doubled with XXXX without any explanation as we requested. The last servicer amount due on the mortgage was pursuant to the XXXX Loan Modification and the XX/XX/XXXX lump sum payment the servicer transferred to XXXX. But in XXXX -- for some odd reason,