davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-15
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: EQUIFAX, INC. (MI)

privacy and confidentiality under 15 USC 1681. 

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, and XXXX XXXX # : XXXX, have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-04-13
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ditech Financial LLC (CA)

XXXX XXXX XXXX HAD THIS LOAN AND IT WAS FIRST DELINQUINT IN 2009. IT WAS CHARGED OFF AND SENT TO DITECH AND XXXX XXXX XXXX AND DITECH HAVE BEEN REPORTING IT FOR 10 YEARS AS DERROGATORY AND LATE PAYMENT NOW IT HAS BEEN TRANSFERRED TO REALTIME AND THEY REFUSE TO OBEY THE CREIT REPORTING LAWS WHICH STATE THE COMPANY TAKING OVER THE SERVICING IS TO CARRY OVER THE FIRST DEINQUENT DATE OF THE ORIGINAL CREDITOR - IN THIS CASE XXXX XXXX XXXX. 2009. THERE ARE OTHER ISSUES -- THE AMOUNTS ARE WRONG THE DATES ARE WRONG THE TOTAL IS WRONG I HAVE NOT RECEIVED STATEMENTS YET I SEE THE BALANCE KEEPS GETTING FEES. WITH REGARD TO WHAT THESE CHARGES ARE I HAD A SETTEMENT WITH DITECH AND IT IS NOT BEING HONORED. DITECH KEEPS CHANGING THE DATE OF CHARGE OFF TO THERE ADVANTAGE AND SO THEY CAN KEEP IT ON THE REPORT THIS IS FRAUD IMMEIDATELY. I PROBABLY NEED TO BRING THIS TO LEGAL ACTION FOR MANY REASON
Consumer complaint received 2023-03-31
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. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2016-02-12
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (PA)

I made an online purchase XX/XX/XXXX and XX/XX/XXXX with my Macy 's American Express Card. I had been enrolled in auto pay so I thought nothing of this when I did not receive a statement for the purchases, believing they had been automatically deducted from my checking account. I received a call from a credit agency on XX/XX/XXXX linked to Macy 's. I called Macy 's directly and was informed that I had been charged numerous late fees. They are claiming that I was NOT enrolled in auto pay and that I had signed up for e-statements so no paper statement was sent. After settling this matter with them and coming to an agreement on the amount owed and paying the balance owed in full, I immediately made sure I was enrolled in autopay to avoid future problems. I have come to find out they negatively reported ( account closed for non-payment ) to the XXXX major credit bureaus. This has dropped my credit score from XXXX to XXXX. Not only that but after settling this with them they sent me a PAPER notification in the mail on XX/XX/XXXX and XX/XX/XXXX stating they would still be taking the original {$250.00} balance from my autopay. 
This is deceptive. For nearly six ( 6 ) months, they did not send me ANY notice in the mail about needing payment. They did not call me directly when they clearly had my phone number and address on file. They unfairly charged me off and reported me without notice, and did so BEFORE sending to collections and being given an opportunity to correct the situation. If they can send a paper notice for a payment they can certainly try to reach me for payment before charging me exorbitant fees and effecting my credit rating. 
Also, after settling this debt with them and my account had a XXXX balance they charged me ANOTHER late fee on XX/XX/XXXX and an interest fee on XX/XX/XXXX which were deducted from my autopay. When I called back they agreed to return XXXX {$19.00} late fees and the interest fee. They said the only thing they can do is put a credit on the account. THE ACCOUNT THEY CLOSED AND REPORTED NEGATIVELY. How am I supposed to get the money back from a CLOSED account??? 
Their practices are abusive toward consumers. They made no effort to contact me before negatively impacting my life. To this date I have never received paper, electronic, or telephone notification that my account would be closed and negatively reported. I only discovered this after checking my own credit report. Also, none of the customer service representatives that I spoke to ever mentioned that my account was closed. 
I take great steps to maintain an excellent credit rating, and find it unfair and deceptive that they would wait nearly six months to be contacted by collections, and do so after already closing my account and notifying the credit bureaus without advising me.
Consumer complaint received 2022-11-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc (IA)

SPOKE TO CHIME REP. SEVERAL TIMES REGARDING MISAPPROPRIATION OF FUNDS THEY SAID I CANT PROVE IT THEY CANT DO ANYTHING ABOUT IT. SO, I STARTED TAKING A SCREENSHOT OF MY TRANSACTIONS SO I CAN PROVE THAT THE AMOUNT THAT IS REPRESENTED IN THE APP. IS NOT CONCURRENT OR RFECTING WHAT THE ACTUAL AMOUNT SHOULD BE. AGAIN, MADE THEM AWARE THAT I HAD PROOF AND STILL NOT RESOLVED. ON XXXX I CALL AND SPOKE TO A CHIME REP. AND LET THEM KNOW THAT MY SPOT ME FEATHER WAS INCORRECT. THEY STATED THAT THE PAYMENT FOR XXXX  WAS POSTED ON XXXX XXXX, WHEN IT WAS ALSO POSTED XXXX XXXX AT XXXX AND AT THAT TIME MY BALANCE WAS - {$35.00} AT XXXX PER SCREENSHOT XXXX HOURS AGO A PAYMENT FROM XXXX. NO OTHER TRANSACTIONS FOR THAT DAY.NOW, TODAY XXXX XXXX ACCOUNT BALANCE - {$35.00} WHEN I WOKE UP FIRST PURCHASE XXXX XXXX XXXX AMOUNT - {$7.00} FOLLOWED BY XXXX XXXX XXXX AMOUNT - {$30.00} AND XXXX  - $ XXXX THEN I CHECK MY ACCOUNT BECAUSE I DONT TRUST THE BANK TO BE ACCURATE IT STATES- {$100.00} WHEN IT SHOULD BE- {$90.00} SO I CALL THE CHIME REP. FIRST STATED THAT THIS MORNING MY ACCOUNT BALANCE WAS POSITIVE {$16.00} DUE TO A REFUND THAT WAS GIVEN BACK BY XXXX I MADE THEM AWARE THE IT DID NOT REFLECT THAT REFUND ON MY APP. THAT SUPPOSE TO REAL TIME. AND IF THAT'S THE CASE THEN MY CURRENT BALANCE IS WAY OFF. EXPLAINING THAT MY BALANCE SHOULD BE- {$38.00} GIVEN THAT I ONLY MADE THREE TRANSACTIONS TODAY THEN SHE COULDN'T EXPLAIN HOW MY BALANCE GOT TO - {$100.00} SHE COULDN'T EXPLAIN IT SO SHE PUT SUPERVISOR ON THE LINE AND HE BLATANTLY LIED STATING THE XXXX  TRANSACTION WAS TODAY AND NOT YESTERDAY, SO THEY TOOK TWO PAYMENTS OF {$65.00} THEY STATED THAT I HAD TO PAY THE BALANCE IN ORDER TO GET THE {$1200.00} THAT WAS IN MY SAVINGS. THEY NEED TO BE HELD ACCOUNTABLE FOR CONCOCTING WAS TO STEAL HARD WORKING PEOPLES MONEY THROUGH THE XXXX XXXX XXXX THINK ABOUT ALL THE PEOPLE THAT DONT PAY ATTENTION TO THEIR TRANSACTION HISTORY CAUSES THEY TRUST THEIR BANK TO ONLY TAKE WHAT IS NEEDED.
Consumer complaint received 2023-07-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A. (GA)

I finished the requirement on XX/XX/15, and should earn XXXX AA miles. Chatted with citi agent and got confirmed. However, miles should have posted XX/XX/15 for me but did not. Called Citi and got the run around of what their terms are. Eventually was told that they created a ticket. I received a response as another poster below that the fulfillment is done systematically and would be paid out 90 + 30 days.
Consumer complaint received 2015-11-19
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ZENCO COLLECTION, LLC (NJ)

On XXXX, I was contacted by phone by XXXX XXXX ( XXXX ) from Zenco Collections regarding a debt from XX/XX/XXXX with XXXX. I explained that the debt was not valid as I had returned the merchandise in XXXX and that the debt in question was from 19 years ago. I was informed that the debt was not closed out by XXXX until XX/XX/XXXX and Zenco had until XX/XX/XXXX to collect on this debt. They informed me that if I did not pay a {$250.00} settlement on a {$480.00} debt that could sue me and I could end up paying up to {$4000.00} instead. They were attempting to mislead me that the debt is newer than it is by stating that I 'm responsible for the time between when the lender closed the debt and the end of the statute of limitations, and that the statute of limitations was at least a year longer than it is in the state of NJ, and that I can be sued by them for this debt which dates back to XX/XX/XXXX and no payments have been made since that time.
Consumer complaint received 2022-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (FL)

I opened a checking account with Chime Bank in the fall of XXXX. I also signed up for direct deposit for my monthly Social Security XXXX check. 
I had used the account for several months when I was unlawfully arrested in XXXX  on XX/XX/XXXX. 
I was avle to clear my name and was released on XX/XX/XXXX. 
During the time if my XXXX  my identication was taken over by squatters that had illegally moved into my home. 
They stole all my personal belongings as well as my credit, debit, and gift cards. All my bank accounts had been emptied out and every XXXX of the month they were able to withdraw my money since I couldn't contact the bank while in XXXX. They used my name and ID to try to cash checks open other a counts and buy whatever they wanted. They changed phone numbers emails and passwords so they could get into my accounts. The bank never red flagged my account While in XXXX  I would able to contact the XXXX XXXX XXXX and filed a police report.T Their hands were somewhat tied until I got out of XXXX. 
The investigation continues and several suspects have been identified. 
When I was released from XXXX  in XXXX I contacted Chime by phone to discuss the fraud that had taken place. There were {$7200.00} dollars in fraudulent charges I filed a fraud statement for the transactions from XXXX until XX/XX/XXXX, the entire time I was XXXX  5 days later at the end of XXXX. Chime unexpectedly closed my account and I could no longer reach them by phone only email. 
I wrote over XXXX emails to them showing documentation and stating that it is impossible for me to have used my account because I was XXXX. I never gave anyone permission to use my card whatsoever They stated that there was no unauthorized use of my card and denied my claim no real rreason. 
I provided documentation of XXXX  and police reports. 
My claim was still denied. 
O asked for documentation on how they came to this decision and they refused to provide it. 
They stated my behaviors and patterns indicate that there is no claim. Really? How did I do that while in XXXX? They also stated they have statements. Again ... XXXX This is the most absurd and misunderstanding of bank power I have ever heard of I am truly a victim of ID theft and have been trying to resolve it since this happened. I am XXXX and on fixed income. They allowed criminals to victimize me and turned around and victimize me again Please help me hold them responsible for my claim.
Consumer complaint received 2022-10-26
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. (MS)

Hi I am submitting this 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 719transunion has me at a score around 590. 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2019-06-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (DE)

On XX/XX/2019 I submitted my 10th modification Application I was denied on XX/XX/2019 forDebt to Income Ratio The representative confirmed my Income incorrectly. 
I advised him that all proof of Income was provided. 
We were then transferred to Loss Mitigation. 
A representative by the name of XXXX confirmed that the proof of Income was present. Her point was it was present on page 78. 
I was told to write a letter due to Lenders error. 
I wrote a letter and immediately sent it back on XX/XX/2019. 
On XX/XX/2019 I called to check on the status of my Letter. I  was rudely spoken to by the Team Leader XXXX who informed me that there was no Appeal on the Lenders error and that I would have to re-apply. 
Because she was so Rude I chose to speak to someone else.

Two additional Representatives stated they would Escalate my case to the Underwriter.
Consumer complaint received 2019-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

ALL " CRA '' REPORTING ERRORS OF INCORRECT " PACER '' DATA / NOT MY ACCOUNT " PUBLIC RECORD/ BANKRUPTCY CH XXXX '', PUBLIC RECORDS OUTDATED REPORTING PAST 10YRS AND UNAUTHORIZED INQUIRIES WITHOUT MY CONSENT TO REVIEW CREDIT FILE
Consumer complaint received 2022-10-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (FL)

My identity was compromised last year and an XXXX XXXX XXXX phone was purchased under my name and SS # on XX/XX/XXXX, by someone in XXXX, Texas. I was not aware until Credence Resource Management ( debt collector ) called. I submitted the police report, completed the fraud package and was told the issue was resolved. In XX/XX/XXXX I was notified by XXXX XXXX  ( XXXX XXXX XXXX XXXX ) that my credit was hit with debt collection report by Credence. I called Credence several times with no response to my inquiry. It appears that they opened a new case and are requesting payment for the {$970.00} debt from XXXX XXXX XXXX for the fraudulent purchase. 
Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Ref # XXXX
Consumer complaint received 2019-06-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BERKSHIRE HILLS BANCORP, INC (OH)

Contacted this bank and they are unable to provide me any information concerning a fraudulent account. Sent mail and filed FTC complaint. This company refuse to validate debt. This company cant provide signatures on any documents because the account is fraudulent.
Consumer complaint received 2019-04-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NJ)

I received a call from XXXX XXXX Bank ( subsequent firms post Mergers & Acquisition activity ) in response to COMPLAINT ID XXXX Consumer Financial Protection Bureau. 


The Consumer Financial Protection Bureau doesn't understand the problem. 


I am NJ XXXX XXXX. 

Chase Manhattan Bank ( and subsequent firms post Mergers & Acquisition activity ) allowed the dismissal of the debt. 


The US Courts changed the bank. According to the US Courts who sent my foreclosure to XXXX 's Sale, the bank is now a firm owned by The XXXX XXXX XXXX. 

The US Courts decided who my bank was. So, the call by Chase Manhattan Bank ( and subsequent firms post M & A activity ) was pointless. 


The US Courts have ignored the federal banking regulator and are dictating to property owners who the bank will be. 

During the entire foreclosure legal matter, the only ruling that was done was the change of bank. 


The US courts didn't provide a motion to foreclosure or a motion for final judgment until after the Writ of Execution was submitted for the property. 

My bank was Washington Mutual Bank. The FDIC closed the bank. The US Courts ruled Chase Manhattan Bank ( and subsequent banks post Mergers and Acquisitions ) was no longer my bank. A firm owned by The XXXX XXXX XXXX was now my bank.
Consumer complaint received 2019-04-13
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Real Time Group, Inc. (CA)

XXXX XXXXXXXX XXXX HAD THIS LOAN AND IT WAS FIRST DELINQUINT IN 2009. 
IT WAS CHARGED OFF AND SENT TO XXXX AND XXXX XXXX XXXX   AND XXXX HAVE BEEN REPORTING IT FOR 10 YEARS AS DERROGATORY AND LATE PAYMENT NOW IT HAS BEEN TRANSFERRED TO REALTIME AND THEY REFUSE TO OBEY THE CREIT REPORTING LAWS WHICH STATE THE COMPANY TAKING OVER THE SERVICING IS TO CARRY OVER THE FIRST DEINQUENT DATE OF THE ORIGINAL CREDITOR - IN THIS CASE XXXX XXXX XXXX. 2009. 
THERE ARE OTHER ISSUES -- THE AMOUNTS ARE WRONG THE DATES ARE WRONG THE TOTAL IS WRONG I HAVE NOT RECEIVED STATEMENTS YET I SEE THE BALANCE KEEPS GETTING FEES. WITH REGARD TO WHAT THESE CHARGES ARE I HAD A SETTEMENT WITH XXXX AND IT IS NOT BEING HONORED. 
XXXX KEEPS CHANGING THE DATE OF CHARGE OFF TO THERE ADVANTAGE AND SO THEY CAN KEEP IT ON THE REPORT THIS IS FRAUD IMMEIDATELY. I PROBABLY NEED TO BRING THIS TO LEGAL ACTION FOR MANY REASON
Consumer complaint received 2015-04-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (VA)

Impolite people calling from something called " Convergant Outsourcing '' looking for someone I do n't know. 

Immediately began to ask me questions about myself after I asked them to NOT call here anymore.
Consumer complaint received 2024-06-03
Product: Checking or savings account — Other banking product or service
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Early Warning Services, LLC (FL)

Early warning services violate my rights on my fair act consumer law Iam not reliable for any debt that on my consumer report that their try to sale my information to companies without my consent and Ive ask to be opt out their service and system of all sorts I ask to remove me immediately and to opt me out permanently of all their platforms
Consumer complaint received 2023-07-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (NC)

On Sunday, XX/XX/23, I received several email notifications regarding a Chime Financial account opened with my email address. I did not open a Chime account, nor did I authorize an account to be opened with my email address. 

The same day, XXXX, I contacted Chime by email and phone to notify them of this issue. The phone representative verified that an account had been opened, and promptly closed the account. She also provided information related to identity theft. 

I filed a report on identitytheft.gov and have taken additional steps to monitor and protect my credit and personal information. 

Additionally, several users have posted similar instances of recent fraudulent account openings on Chime 's XXXX thread ( r/chimefinancial ).
Consumer complaint received 2019-06-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NC)

For the past 3 months I have tried to dispute the charges of medical bills that are not my debt. They said the debt has been in collections as of XXXX of 2019. For XXXX  this isnt mine. I have tried disputing with letters and and they will not remove it. And XXXX from XXXX XXXX in the past due amount of XXXX