davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-16
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 — Investigation took more than 30 days
Company: National Auto Lenders, Inc. (GA)

I reached out to the company and asked them to provide me with documents showing my signature, how the loan was established and proof that the loan belonged to me. They advised me the loan was sold and could not provide any information. I disputed with XXXX XXXX and XXXX so that I could get the info and they advised me proof was provided but they could not provide it to me. I want this matter looked into because this company should not be reporting on my credit report
Consumer complaint received 2022-03-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (WA)

Aidvantage is saying I have a student loan payment due on XX/XX/2022. I got this email today, XXXXand the amount for an IDR is ridiculous. XXXX? I cant pay that!
Consumer complaint received 2022-05-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (TX)

Below is a dispute letter I sent to Synchrony Bank three times. 

____________ Hello, I am writing to dispute a charge that has been going on for over a year. 

In XX/XX/XXXX, I placed two orders ( # XXXX and # XXXX ) and returned the items in both orders shortly after they had been received. 
I then received return confirmation emails on XX/XX/XXXX and XX/XX/XXXX, and the refunds were reflected on XX/XX/XXXX account statement. 
There should have been no transactions related to orders # XXXX and # XXXX after that, however, two months later in XX/XX/XXXX, those two charges {$120.00} and {$190.00} showed up again. 

After speaking with representatives of your bank more than a dozen times and sent a dispute letter on XX/XX/XXXX, one charge ( {$180.00} ) has been resolved but the other charge ( {$120.00} ) is still showing up on my account. 

Date Transaction Order # Amount ( USD ) XX/XX/XXXX Purchase XXXX XXXX XX/XX/XXXX Purchase XXXX XXXX XX/XX/XXXX Refund XXXX XXXX XX/XX/XXXX Refund XXXX XXXX XX/XX/XXXX Transaction Balance Transfer XXXX?????? 
XX/XX/XXXX Transaction Balance Transfer XXXX?????? 

XX/XX/XXXX Dispute filed XX/XX/XXXX Dispute partially resolved XXXX I HONESTLY DO NOT UNDERSTAND WHY THE BANK IS DRAGGING OUT FOR OVER A YEAR WHEN THIS SIMPLE TECHNICAL GLITCH COULD HAVE BEEN FIXED AS SOON AS I CALLED ON XX/XX/XXXX. 

Please refer to the enclosed dispute form and statements, and fix the error accordingly. 

Hope to hear back from you as soon as possible. 

Thank you, XXXX XXXX
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-07-11
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (TX)

RE : Title Max Acct # XXXX On or about XX/XX/2019 my pension check was with drawn from my XXXX XXXX XXXX bank account leaving unable to make my monthly payment to my creditors including Title Max. I filed a claim with CFPB under XXXX. Here I am merely reiterating my fax/emails by request assistance germane to identity theft and to ask for an extension, payment arrangements, deferment or any applicable hardship programs to ease payments for past due amounts and/or late fees on my account. My pay history will reflect consistent on time payments. I hope that carries some weight in your decision to assist me without interruption in services. Identity thieves spent about {$3000.00} dollars on vacations, charities and live performances in three different states resulting in my bank freezing all setup/recurring payments pending investigation.Please see the investigative authorities below and attached supporting document. 

***Federal Trade Commission Affidavit # XXXX ***XXXX PD , Economic Crimes Unit , case # XXXX ***Consumer Financial Protection Bureau case XXXX XXXX
Consumer complaint received 2017-09-08
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. (CA)

XXXX XXXX, 2017 Equifax became aware of a breach in security that included stolen information for 100+ million people. It has taken well over a month for the company to disclose this information to the public, allowing whoever accessed the data to sell or use it and denying consumers the right to protect themselves by adding alerts or be on the lookout.
XXXX XXXX, 2017 I became aware of a security breach wherein millions of people and I were put at risk of fraudulent activity. I have gone forth and put a fraud alert on my accounts and looked over my credit report for suspicious behavior. I have verified with the Equifax site, and my information in fact has been breached by this incident and I am still not sure what the resolution for this mismanagement will be. I would like Equifax to find a speedy resolution in order to put the millions they put at risk at ease and put more measures in place to aid those like me who are affected.
Consumer complaint received 2021-02-12
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc. (CA)

I used my Victoria secret credit card to purchase 5 Victoria secret gift cards. 3 of those gift cards were put into my fiancs Victoria secret app. Which was hacked and our personal information was placed in that app and the money has been stolen from us along with our information. And Victoria secret confirmed during my phone call today XX/XX/2021 at XXXX than someone else not matching mine or my fiancs names nor our addresses did use our money and they verified that and then sent us in a circle of hours long phone saying they made a case and determined nothing needed to be done. That our information has been hacked from their Victoria secret app. And our money us been stolen from their app. And they want to bury the issue. I want our money back and our personal information protected we are going to file a police report against Victoria secret for this.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT ( XXXX ) # XXXX, HAS VIOLATED MY RIGHTS. 

15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604A.

SECTION 2 : STATED A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR AND PURPOSE.
Consumer complaint received 2022-03-16
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: Aldous & Associates, PLLC (NY)

Aldous XXXX XXXX are reporting a fraudulent account on my credit. I learned of this account when my credit was hit with a negative reporting on XX/XX/20. I immediately contacted Aldous and informed them that this account is not mine, and I believe it to be fraud. I was told that the fraud investigation may take up to 90 days, and thus I opted to pay an account that wasn't mine, with a promise that the credit reporting will be adjusted. I was told the account would be fully removed from my credit. However, the account still continues to report on my credit as a paid collection. Please remove this fraud account from my credit as it is NOT MINE.
Consumer complaint received 2022-03-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc. (TX)

This collection agency is furnishing an alleged debt that is on my consumer report XXXX and XXXX The collection SOUTHWEST RECOVERY SERVICES has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter on XX/XX/2022 and have not recieved any proof of the from them that there is an agreement in place pursuant to 15 usc 1692f ( 1 ) of the FDCPA that they can collect from me or that they even own the debt. This is a violation of my right to privacy.

I have never given them prior consent to contact me which is a violation of 15 usc 1692c This account is blatantly illegal under federal law. I am under no duty to pay a debt collector the purported sum until it is proven differently. However, they have committed identity theft because I never gave them permission to share any of my personal information with you. I have never received any documentation that I have a business relationship with SOUTHWEST RECOVERY SERVCES or that I owe any obligations to them. Identity theft is demonstrated by their failure to prove this. The reason for this is that if they indicate supposed Statements from an original creditor, this is a type of identity theft perpetrated not just by the collection agency, but also by you by reporting this without physical proof.

The company has violated the following laws 15 usc 1692c ( a ) ( 1 ) calling the consumer at an unusual time or place 5 times ( {$5000.00} ) 15 usc 1692c ( a ) ( 3 ) calling at the consumers work place when it is prohibited to recieve such communication. 2 times {$2000.00} 15 usc 1692d ( 5 ) Causing the telephone to ring repeatedly with intent to annoy, Abuse or harass any person at the called number {$3000.00} I know that the company is in violation of federal law. So if this company will not remove this debt that is clearly not mine from my consumer report i will be seeking monetary Relief of {$10000.00} for violations of the FDCPA.
Consumer complaint received 2017-09-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I applied the home loan modification program to chase last year and I got the proposal letter on XX/XX/XXXX this year And They sent me Modification Agreement package on XXXX XXXX,2017 When I reviewed the package. I found significant differences from their proposal letter.
I expected Monthly P & I payment amount of {$980.00} and Principal forbearance amount of {$210000.00} as Net present value or eligibility data on their proposal letter, field # 69 and # 70 But, monthly payment was {$1600.00} without any principal forbearance on the agreement I complained Chase the difference and it is against HAMP and FLEX Guideline and asked them to fix the differences.
* to provide the borrower with a principal and interest ( P & I ) payment reduction of at least 20 % and increase principal forbearance until a 20 % payment reduction is achieved.
Then, they replied that they will review and research my request and give me answer sooner. But it was delayed three times I got final answer on XXXX XXXX, 2017 that : The numbers on the proposal letter were incorrectly placed. We apologize for this and this error didnt change the outcome of the review.. " I asked them on XX/XX/XXXX what the incorrectly placed means and how the current payment amount was calculated, but No answer at all.
Consumer complaint received 2023-09-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (SC)

XX/XX/2023 XXXX pm Called Chime to dispute charges on my checking account and card builders account! 
They went into account transfered all my money from chime saving was {$7.00} credit builders XXXX and went into my XXXX XXXX account that I had linked to there bank took {$490.00} all of it was transfer into a $ XXXX pay XXXX account who I don't know didn't give them authorization to transfer funds. CHIME WILL not refund me my XXXX XXXX tried XXXX XXXX a stop payment on I called them for help the funds had already been transferred. I WILL BE FILING A POLICE REPORT
Consumer complaint received 2022-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (UT)

I went on the government forbearance program in XX/XX/XXXX and stayed on the program until XX/XX/XXXX. I began the process of exiting forbearance with my current loan servicer XXXX XXXX. At that point we negotiated everything regarding my current payment, the forbeared amount and the structure of the new loan. My loan was then sold at this critical point to a company named Shellpoint mortgage and I began talks with them in XXXX of the same year. They did not have any record of the agreements formerly made and furthermore reported that XXXX XXXX had charged me XXXX in erroneous escrow charges for which there was never any escrow funds enabled on the mortgage since its inception. Shellpoint has proceeded to place me in a default position, not honor any forbearance measures and immediately put a XXXX late on my credit report. I finally came to an agreement with ShellpoinXXXX stating that if I immediately pay back the forbeared amount, totaling more than XXXX, they would revert the escrow charges and the payment would resume back to my normal contracted amount and finally they would remove any negative reporting on my credit. They did offer me a modification payment that amounted to thousands in extra charges and me admitting my mortgage was behind while I made 3 monthly payments of an amount they calculated. I chose to pay back the forbearance monies and now they can not find my dispute documentation while they happily collected my wire transfer. Currently they are still trying to charge me over XXXX a month in escrow payments which has no calculus relating to my actual mortgage, still saying I'm 22 months late on my mortgage and credit history and are extremely slow to respond to inquiries and reluctant to return my phone calls.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

I am writing to formally dispute an inquiry listed on my credit report. I did not authorize this inquiry, and I believe it is inaccurate. I have no association with the listed creditor and have not initiated any financial transactions that would warrant such an inquiry.
Consumer complaint received 2023-12-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (IN)

There was a previously scheduled payment for the same day I was attempting to make a payment to pay the balance in full. Wells Fargo would not allow more than one payment. There is no information in their card agreement on application terms and service that limits the payment per day or per month. 

I feel this is an unfair deceptive and abusive act and practice in an effort to ensure they can collect unearned interest on unsuspecting consumers. 

I spoke with XXXX XXXX in the Credit Card Customer area and was unable to assist me.
Consumer complaint received 2022-03-16
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. (FL)

I have filed multiple disputes with TransUnion regarding an erroneous bankruptcy chapter XXXX that is listed on my credit report, the most recent one was XX/XX/XXXX. I do not believe that TransUnion is taking the necessary steps to actually verify the public record in question. I have provided them with a substantial amount of factual documentation that proves this alleged bankruptcy is inaccurate and it needs to be deleted from my credit report immediately however they continue to respond verified. Transunion sent me another credit report on XX/XX/XXXX stating public record was verified. Due to TransUnion inaccurate reporting to my consumer file, it has caused me a great deal of emotional stress and is hindering me from purchasing a home for my family. I received a letter directly from XXXX XXXX dated XX/XX/XXXX which states XXXX XXXX is not reporting a bankruptcy record. I received a letter directly from the courthouse dated XX/XX/XXXX which states they do not provide information to credit reporting agencies. If XXXX XXXX does not have this bankruptcy on file and the Courthouse does not verify information with credit reporting agencies, then who are you verifying this information with?? Under FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ], ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 2 ) The sources of the information. XXXX and XXXX are not reporting the erroneous public record. Each bureau is responsible for providing accurate information per the FCRA. How can this bankruptcy be accurate or verified if no other credit reporting agency is reporting it except TransUnion??? I have attached the dispute letter I mailed to Transunion on XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX letter, Courthouse letter, Credit report, notarized affidavit, my drivers license and utilities bill for your review. This is an urgent matter please delete this inaccurate bankruptcy. Either reveal who you are verifying this information with or delete it from my credit report.
Consumer complaint received 2023-06-16
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. (MA)

Our mortgage was sold three different times to three different companies. When it was sold to XXXX XXXX, we had nothing but issues. The only way to pay was to mail in a check. Since they do not have a presence in Massachusetts, we would not be able to go to a physical branch for verification to get access to online portal which is more efficient in making payments. Since payments had to be mailed it, once or twice, XXXX XXXX lost our check and never processed. No communication was sent to us. We came to know when mine and my XXXX  XXXX XXXX from Experian was sent that our score dropped due to delinquency. We tried called XXXX XXXX many times and no luck. Lot of back and forth and status keeps changing on our credit report. We sold our home that has that mortgage with XXXX XXXX and now purchasing another home. But because of the delinquency status, which is in correct it is impacting our credit score. The mortgage company has seen cases like this in the past and has advised to reach out to consumer finance to correct.
Consumer complaint received 2022-03-16
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. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion 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 transunion 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 Transunion. 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 n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion 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 XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXXd now
Consumer complaint received 2022-03-16
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN HONDA FINANCE CORP (RI)

Supposedly have a {$71.00} charge off that was opened on XXXX XXXX to this day they are still reporting late payments. This was a lease that was paid off in full in the past. Ive asked them several times ( mailed letters, called, etc ) and they will not respond to validate the debt
Consumer complaint received 2022-05-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

A request from my Paypal account, requesting a payment for something I never purchased or would purchase came to my personal email on XX/XX/22. When I went into my Paypal account, I found the request, and have alerted Paypal by forwarding the mail to XXXX. The email request did not say what the payment was for, only that it was due. I am providing a PDF copy of the Paypal request, which has the apparent instigator 's email ( but have obliterated my email information and the name, which was not mine ). I am concerned because someone not so alert might followup and send the money requested without checking if they use Paypal often.
Consumer complaint received 2022-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

I sent account : XXXX accidentally, This is the wrong account ( chase freedom ) and they told me they could nothing about it. They told me to ask the person to give it back but refuse to tell me who this account belonged to. 


Chase took my money but refuses to relieve my credit card payment to chase.