davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (GA)

XX/XX/XXXX and XXXX, someone hacked my chime account and wrecked up {$980.00} in numerous charges in XXXX XXXX and XXXX Florida. They stole {$1200.00} from my account and transferred it to someone with the telephone number XXXX in three increments for {$400.00}. Chime reimbursed me for that {$1200.00} but continued to deny my dispute on the other charges. 
I filed two police reports in XXXX XXXX ( XXXX number XXXX ) and XXXX ( XXXX number XXXX ). I sent those to chime. Chime denied me again. 
The fraudster also took a {$400.00} loan out through my chime account. Chime refuses to acknowledge that. I have filed disputes with the three major credit bureaus.
Consumer complaint received 2021-02-10
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation (AZ)

Loan XXXX I lost my job in XXXX as a pilot and the renter has not paid rent since XX/XX/XXXX. I requested a forbearance in XXXX XXXX and charged a late fee of {$80.00}. 

XX/XX/XXXX - I received a letter that foreclosure proceedings will commence XX/XX/XXXX. 

XX/XX/XXXX - I made the XX/XX/XXXX payment after being reactivated at my job with the CARES ACT 2. 

XX/XX/XXXX - I received a letter approving the forbearance from XXXX, XXXX, XXXX, XXXX. 

XX/XX/XXXX - I received a letter notification about a trial period plan beginning XX/XX/XXXX. The plan has a new payment address which is also DECEPTIVE THAT YOU CHANGED IT and my payment increased from my original payment. 

I called HomePoint Financial and they stated that this was a modification package and that the modification would include a rate increase that was not disclosed in this package. This is an UNFAIR, DECEPTIVE, ABUSIVE, ACT & PRACTICE. Why would you send a modification package without disclosing the interest rate change? 

XX/XX/XXXX - Made another payment I'm requesting that my missed payments are moved to the end of the loan. This is a deceptive practice to request that a customer pay a higher amount without disclosing that this is a modification and that the rate will increase when the interest rates are at historic low rates. In that case you should refinance my VA loan at 2.25 rate that it is today. 

I don't check my email and requesting a written response to my home address : XXXX XXXX XXXX XXXX, AZ XXXX Please help. 

XXXX XXXX XXXX
Consumer complaint received 2020-09-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Risecredit, LLC (TX)

Hello, I did call and spend about an hour on the phone with customer service, and the billing department. They were of no help at all. Please send this email to someone who can help me and understands what a payment arrangement is, and also send to a manager. 
We have been long time, good customers. Always have paid on time. As soon as we started struggling financially, because of Covid, we reached out and made payments arrangements on the account. These arrangement were to keep the loan in good standing while I waited to go back to work. We had to do this several times, because the auto drafted payments werent being drafted. So I would log in and make a payment arrangement and a payment. We were diligent about this, because of our credit. Then I received another email saying that there was another program available to me, so I then signed up for that as well and paid the {$71.00} to enroll in. Soon after that with zero notice the account was charged off and 6 30 day lates were added to my credit report! All of this while our entire country is falling apart and people are fighting to keep their head above water. We were so careful to make sure we had the payment arrangements in place so this would not happen. This reporting should not have happened because of the payments arrangements were made and there was no notice. It caused our refinance on our home to fall through and is now causing many more financial hardships. Please remove the charge off and all of the 30 day lates. 
The account was charged off and paid, my balance now shows negative balance on the companies website Please someone do something about this. This is not fair or good business Thank you
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (KS)

On Thursday, XX/XX/2019, I reached out from XXXX from XXXX XXXX indicating that I received a notification from Navient that my loan payment was late and that my understanding was that I entered into an agreement to pay the {$39.00} per month for a certain amount of time to get my loan forgiven. I knew that my payment was not late as the {$39.00} payment was and still is autodrafted from my banking account every XXXX of the month. He stated " I'm not sure why they would request payment. It looks like we just did a recert for you. '' I am in the process of purchasing a home. My lender contacted me on Wednesday XX/XX/2019 indicating that Navient has reported my loan as past due 60-90 days. I again reached out to XXXX via email and telephone. He provided me with notices from Navient on both both XX/XX/XXXX and XX/XX/XXXX stating that I was in good standing and further that my past due balance was XXXX. I'm not sure why only one of the three credit bureaus is reporting my student loans as past due. I am not sure if XXXX XXXX is a legitimate company. I have paid them for over a year and when I recently reviewed my portal, none of my student loans are even listed on the XXXX XXXX website. I have been paying them to manage my student loans so that they can be forgiven and I do not know what the status of the forgiveness or the balance.
Consumer complaint received 2019-04-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

I was traveling outside the country ... At least 2 weeks before my travel date I called fifth third bank to ask them can i use my fifth third AC360 MasterCard in XXXX. They told me yes. As long as its not a country that the U.S. have sanctions against. Well on XX/XX/XXXX my card stop working and i called to see what was wrong with my card. The customer service department continued to hang up the phone on me while i was in a foreign country. they never tried to contact me back to see what the problem was. They never contacted me to tell me they put a block on my card for a transaction i attempted to make on my card while i was in XXXX. Even after returning to the United States the card would not work ... i went inside the bank to resolve the issue with customer service and they called AC360 and the fraud department and they hung up the phone on me also several times. They also charged me the foreign transactions fee for the transaction that they never approved. I feel they never tried to contact me back about the block on the card because they do not want XXXX men to travel outside the country in the first place. They never tried to contact me by phone, text or email. All they did when i tried contacting them is hang up the phone. I cant contact them because they going to hang up the phone on me because i am XXXX.
Consumer complaint received 2023-05-19
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. (IN)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2018-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: EVERBANK, NATIONAL ASSOCIATION (AL)

I received the following message from XXXX XXXX when I asked to receive a copy of my last statement, since not received : " Please keep in mind, there is a {$25.00} research fee for that request. 

Please mail a check made payable to XXXX XXXX, in the amount of {$25.00}.

Please mail the check to : XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, New York XXXX. ''
Consumer complaint received 2019-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (PA)

I checked my credit report and saw a collection for an alleged debt from XXXX for {$300.00} with Trident Asset Management. I have never had an account with XXXX so I immediately disputed this erroneous debt. I have disputed it with all 3 credit bureaus and allegedly Trident verified this erroneous debt as being 100 % accurate which can not be possible. I then sent a direct dispute via certified mail to the address Trident provided on my credit report, which was eventually returned as non deliverable because they moved over 1 year ago and they have not alerted the credit bureaus, which is a violation of the FDCPA and the FCRA. Due to their negligence I have not only wasted my time ( 30 days ) awaiting results for something that was never done, and my money in the form of Certified Mail. Certified Mail ain't cheap I spent {$4.00} on that letter! These damages have not gone unnoticed by this consumer! I am planning on speaking with a consumer protection attorney on how to recoup my damages!
Consumer complaint received 2021-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The 3 Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2021-10-15
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. (CA)

XXXX XXXX XXXX XXXX is reporting a charged-off account to TransUnion that I was never responsible for. I was only an authorized user of the account and now that it has charged-off, I can't be removed from the account. This is hurting my scores and making it impossible for me qualify for a loan.
Consumer complaint received 2019-06-21
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: URS Holding, LLC (KS)

Thank you for your recent contact dated : XX/XX/2019. 

I wrote to you on XX/XX/2019, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : 1. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.
Consumer complaint received 2020-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (PA)

I Do Not Owe this debt this account is not mine I want it deleted From My credit Reprt before I take court action against the company and or original creditor as it would be there obligation in court to Show they are owed debt.
Consumer complaint received 2021-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

On XXXX, XXXX, 2021 I was scammed into sending {$500.00} to someone advertising that a room was well kept and that my deposit would be returned to me. After realizing my error on sending the funds through XXXX XXXX, I had immediately file a claim with Wells Fargo to retrieve the funds back. After 10 business day, I received a notification stating that they were denying my claim as the were associated with Cash app and that they could not help me. I reached out to XXXX XXXX  about filing a case and was told that there was nothing they could do.
Consumer complaint received 2022-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My mother who is elderly ( 80 ) and I own a joint checking account with Bank of America. My mother was the victim of a check washing scam sometime between XXXX and XXXX of 2022 wherein a check written and mailed to a catalogue company was altered and cashed for an amount of approximately {$6100.00}. On or around XX/XX/2022 I noticed the fraud and immediately made a police report to the XXXX XXXX Police Department and contacted the Bank. On or around XX/XX/2022 my mother went into her local branch with a photocopy of the check and signed a notarized document reporting the fraud and requesting her funds to be returned. All of her claim paperwork was retained by the branch and was allegedly faxed. She was told these matters can take up to 90 days to resolve. On XX/XX/2022 she contacted the Bank fraud unit as was told they " never received her paperwork '' and nothing has been done on her claim. The Bank is now telling her she needs to go back into the branch and resubmit her claim. She was never contacted at any point by the Bank regarding the missing paperwork. No one picks up the phone at the local branch. My mother is in ill health and should not have to return to the bank to repeat this process.
Consumer complaint received 2020-02-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

XX/XX/2019, my wife & myself, identity was stolen. our phone, email, credit, and us postal service address were involved. the hacker changed our address to a XXXX address. we have been trying since XXXX to remove this address. we start a dispute online with Equifax, and 3 days later, they say it's resolved. when we pull credit bureau, it is still on there. we have talkd with them by phone, and Equifax advises they will remove. however as of yesterday it has not been removed. 
Both Experian & XXXX XXXX have removed this address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-21
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. (TX)

these accounts are not mine US DEPT ED XX/XX/2017 XXXX US DEPT ED XX/XX/2017 XXXX US DEPT ED XX/XX/2017 XXXX DPT ED/XXXX  XX/XX/2017 XXXX DPT ED/XXXX XX/XX/2017 XXXX DPT ED/XXXX XX/XX/2017 XXXX
Consumer complaint received 2019-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I tried to log on to Transunion credit reporting bureau to lift a credit freeze. I got a message saying my password was not correct. I tried resetting my password and got a message that they could not identify me. I then tried to create a new log on and got the same message that they could not identify me, although I provided all the information about my identity they asked for. I then called the customer service number they provided to fix problems with logging on. The guy could barely understand English and was hard to understand. He would ask me a question. I would answer and then the line would go silent for 3-5 minutes before he would ask me another question and many times he would ask me the same question again after I already answered. It was like talking to an XXXX. After a half an hour of this I was getting no where so I hung up.
Consumer complaint received 2020-02-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (WA)

My specific issue issue is : GM Financial monthly statements. Inconsistent, incorrect. 
No way to view records without spending hours on the phone, and still only have only words in a phone, no records, nothing in writing. 


GM Financial statement balances. 

XX/XX/XXXX CURRENT BALANCE* $ XXXX XX/XX/XXXX CURRENT BALANCE* $ XXXX XX/XX/XXXX CURRENT BALANCE* $ XXXX First payment was due XX/XX/XXXX. 

Payments I've made : XXXX XXXX {$1.00} Trace # XXXX XXXX XXXX {$16.00} Trace # XXXX XX/XX/XXXX {$1.00} Transaction # XXXX XX/XX/XXXX {$440.00} Transaction # XXXX XX/XX/XXXX {$500.00} Trace # XXXX XX/XX/XXXX {$1500.00} Trace # XXXX XX/XX/XXXX {$1000.00} Trace # XXXX After noticing my GM Financial statement balance was increasing as I was making at least double payments, I had tried to contact GM Financial to get a transaction history report. 

Transaction history for a major financial account should always be available to customers. Without having to ask. 

GM Financial told me on XXXX XXXX phone call that they could not tell me why my balance was increasing when my payments were double the required payment. 
On the same call on XX/XX/XXXX, the GM Financial rep told me that it would take at least ten business days to generate a transaction history report and mail it to me. When I asked why, I was told that the transaction history reports were " backordered ''. And that the billing system was having a lot of inaccurate account information. So, many people were wanting the transaction history. This call also took ove one hour to get this info. Unacceptable I called again on XXXX XXXX, XXXX. 
Again, I was told they have no idea why my balance would be increasing. Again, I was told it would take seven to 10 business days to get any kind of transaction history. 
Again, I was told they are aware the billing system had been reporting incorrect information. This call also took over one hour to get this information. Unacceptable. 

So, I have no way, as the consumer to see my transaction history? 
I have no way to see that my payments are being applied properly or how they are determining what my remaining balance is? 
I have no way to compare GM Financial account records to my own records? 

UNACCEPTABLE!! UNSATISFACTORY!! 

These are some huge red flags. How is this legal? How would anyone trust this company with any financial responsibility? 

How does a major financial institution operate in this manner? 

An investigation should be conducted. Immediately. Clearly I'm not the only person affected by this. Seems illegal. 

Please help. 

Thanks
Consumer complaint received 2017-05-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (NY)

I have tried to make payments on my account despite loss of income and told they would not take anything less than total due. After I paid the entire past die amount they immediately closed out my cards which NEVER went 90 days past due, only  XXXX , they falsely report past due amounts, I slowly caught up but a few cards remain behind by a few days to over a month a s I contin ue to try to pull myself out of debt. The company Synchrony bank continues to call me multiple times a day, averaging to an hourly bases despite me talking to the company representative. They call as early as  XXXX , as late as  XXXX , on the weekends, and call my family members, they have my phone number, I have told them multiple times to stop calling my family members phone numbers but they continue to call.
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (SC)

I have now tried on multiple occasions to reach out to NAVIENT and work with them in regards to this issue, and have had no success. First things first, I had loans through them apparently from when I was attending school. I wasn't aware of this, and every other loan I had taken out made it a point to contact me and have been receiving their money since day of contact. NAVIENT on the other hand informed me that I was enrolled for " paperless '' and that they only ever tried to contact me through an email address I no longer had access to for the past few years. After this information was given to me, I submitted a report and got the information back that they had apparently tried to call my mother and I 's cell phones as well, and left us many messages. When I called about the account because I saw the defaults on my credit report, they told me they only ever tried to email me, and never mentioned anything about call attempts. That whole conversation was recorded via their system, and now I am being told that they tried to call/left voicemails also? They had the right home address, and phone numbers for my mother and I, so had this been the case we would've went and paid the payment on it immediately. If possible, I would like the dates/times NAVIENT had tried to reach out to me, because her and I both have absolutely no records from this. Sallie Mae on the other hand left us a voicemail and was paid that same week. Since this report has happened on my credit report, I can't finance or pay for anything even though I make a good income, and have had outstanding credit until this point. As I stated before I even tried to backpay what was owed, and they let me know the forbearance should be taking this off within a week, and it is over a month later. On every attempt I make to contact them, I get more and more false information, and don't want to consult legal help but I will. The people that I talked to said to try and pursue this avenue before heading that direction, but at this point it seems like I have no choice but to go this path. I can not reiterate enough that I have made every effort to work this out through them, but at this point it is costing me a multitude of different purchases/experiences that I can no longer prolong.