davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-01
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. (TX)

XXXX XXXX Account XXXX Amount {$4800.00} Date XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file. 

XXXX XXXX XXXX Account number XXXXXXXX  Amount {$5700.00} Date XXXX his is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file. 

XXXX XXXX Account Number XXXX. 
Amount {$22000.00} Date XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file. 


XXXX Account Number XXXX DAte XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file. 

XXXX XXXX Account Number XXXX Date XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file. 

XXXX XXXX XXXX  Account Number XXXX XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file. 


XXXX Account number XXXX Date XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file XXXX XXXX  Account Number XXXX Date XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file
Consumer complaint received 2024-03-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TAG Intermediate Holding Company, LLC (NM)

tricolor autogroup is not a professional auto loan company i bought a XXXX XXXX XXXX i gave XXXX for down payment and my payments where gon na be XXXX a month but then they said it was biweekly so in a month it came out to XXXX and to top it off they wouldnt take my payments so they can repo my car i have money to pay but they wouldnt take my money like if my money wasnt good enough they humiliated me to the fullest extent they took my car the first month no question asked i have XXXX boys to support and take them to school and to top it off XXXX of my sons is XXXX with XXXX XXXX and its sad enough i couldnt take them to school this company is unprofessional they have no professional ethics they take advantage of me cause of my credit score but its not fair for me to be in collections for 7 years or more because of their unprofessionalism and not going through with the contract i shouldnt be held responsible im struggling to buy another vehicle because i didnt get my deposit back from tricolor autogroup they didnt care i have my children who i provide for them i hope you take into consideration this complaint and should not be held liable for their unprofessionalism and im taking tricolor autogroup to civil court to sue them for my XXXX deposit i gave for the XXXX XXXX XXXX they took from me well thank you very much for your time.
Consumer complaint received 2019-10-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

On XX/XX/19 @ XXXX CST called Bank of America at (  800 ) XXXX and was promised {$9.00} debt payoff letter. There was no indication from XX/XX/19 call this request could be declined. 

I never received {$9.00} debt payoff letter. 

I again called Bank of America at ( 800 ) XXXX and was told compliance department declined a request from Bank of America employee XXXX XXXX to send me a {$9.00} debt payoff letter. This agent refused my request to pull the audio recording from my XX/XX/19 call with Bank of America to confirm {$9.00} debt payoff letter.
Consumer complaint received 2019-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

I received an email from my bank, Chase, at XXXX XXXX on XX/XX/XXXX. The email was from fraud services asking if I made four certain transactions. Two of them were mine and two of  them were unauthorized. I then contacted them to let them know about the unauthorized attempts. One of the transactions was from XXXX in California for {$100.00}. I live in Texas. This transaction was immediately deducted from my checking account. The other unauthorized amount was for {$980.00} at a stadium goods and shoe store which Chase declined. Upon reviewing my account details online, an additional unauthorized amount of {$1200.00} was immediately deducted from my account. This purchase was made through someone's XXXX account other than mine to a hair wig and beauty shop in California. Chase contacted me the following day and I disputed these two unauthorized transactions. They refunded me the amounts on XX/XX/XXXX and XX/XX/XXXX. I received a letter from Chase today stating that after investigation, they deemed that I authorized the {$1200.00} transaction from XXXX  XXXX XXXX, and that they will be taking the money back from me within a couple days. I called them immediately and they informed me that I could do nothing with them to stop or change the outcome of their decision to reverse the charges from me. They claimed they had evidence that someone verified the card number, my name, address, and that there was a tracking number for the beauty supplies being delivered to my address. They also claimed that the {$100.00} transaction from XXXX was still being reviewed. I did not make or authorize either of these transactions. Consumers must have a way to protect themselves from this criminal behavior and the banks unacceptable practices in pretending to try and prevent fraud.
Consumer complaint received 2019-10-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NV)

On XX/XX/2019, PayPal made my remaining Account balance of {$520.00} available for me to withdraw as 180 days had passed since my Account was limited ; and they notified me of this decision via email. Thank you.
Consumer complaint received 2019-07-29
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: Specialized Loan Servicing Holdings LLC (IL)

To whom it may concern : I have a mortgage on my second home and I was reported to be 30 day late. I was in process of refinancing and moving to my second home so I made checks and mailed the checks from my primary home before I left. The mortgage company did not get my XXXX and XXXX check. I was given a notice on XXXX and this was the first time I got a notice that I recieved. This threw my credit off. I have enough funds that I can pay the entire balance off. It is very frustrating having to deal with this when I am always working to make my payments and everything within the timeframe needed to be paid. I expect a resolution of this situation as soon as possible. 


- XXXX
Consumer complaint received 2019-10-16
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: Experian Information Solutions Inc. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2022-12-01
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. (TN)

N accordance with the fair credit reporting act XXXX. XXXX  ( Account numbers XXXX as well as XXXX and account number XXXX with XXXX. And XXXX XXXX account number XXXX. Has violated my rights 15 U.S.C. 1681 section 602A. States I have right to privacy.

15 U.S.C 1681 section 604A .section 2 its also states a consumer reporting agency can not furnish a account with out my written instructions
Consumer complaint received 2021-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Portfolio Recovery has placed a collection on my credit profiles claiming that I owe {$1900.00} to XXXX XXXX. Ive never had an account with XXXX XXXX. I have reached out to this company 3 times between XXXX and XXXX of 2021 ( I have certified USPS proof of delivery to them in which Im sending via the CFPB portal ) and they have yet to respond. They are unable to verify this because the debt does not belong to me. They are clearly not even attempting to resolve this issue.
Consumer complaint received 2019-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

PHH Mortgage took over servicing from Ocwen approximately six months ago and I have never ( 1 ) received a statement and an ( 2 ) escrow statement reflecting a current breakdown of principal, interest, insurance, and taxes. 

Furthermore, online payments have been setup since inception of the loan ( serviced through XXXX, XXXX and Ocwen ) and every month since PHH has taken over servicing they have canceled my online payment profile. Correspondence sent alerting me of this cancellation has indicated that I am in bankruptcy, which is completely inaccurate. One letter states, " per my request, direct payments have been discontinued. '' This too is 100 % false and inaccurate.

PHH has also rejected one online payment without reason. I was under the impression that it was " declined '' when, in fact, the bank account had more than sufficient funds. I was then forced to submit an online payment in order to avoid late fees. As far as I can tell, no fees were charged despite the warning that one-time online payments are subject to fees. 

What is more interesting, this online payment was accepted whereas past online payments with the exact same banking information were being cancelled every month, for reasons described above. It is not clear why they could accept this method of online payment but reject the payment when it was setup for monthly payments.
Consumer complaint received 2024-03-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CT)

Order from XXXX and package day delivered on XX/XX/24 once I got notification that my package was delieved I went and checked and no package in my name was there I called my bank to notify them cause I couldnt get in contact with the original company and Wells Fargo credit my money back of XXXX and now the bank put it back on my account stating they investigated with the merchant and because it says delivered they have to go by that I never received this package I will like my money
Consumer complaint received 2024-03-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SOUTHSTATE CORPORATION (SC)

I missed a mortgage payment in XX/XX/2023 because I had to get a major car problem fixed and on top of that my XXXX XXXX XXXX XXXX XXXX XXXX ; I still make payments but just not on time and Im a couple months back and willing to do anything to get my account back current.
Consumer complaint received 2021-03-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc (CA)

My PayPal account was permanently suspended for no apparent reason. When I called and asked for a reason they refused to give me one. I have {$800.00} in my PayPal account which I refuse to get to me until 180 days. Its been two months and due to Covid I am in need of that money since I have not been working very much. I expressed this to them and they could care less. Its caused me and my family A lot of stress that was unnecessary since I have that money sitting on. I dont think it is ready for them to pick and choose when I can access my money
Consumer complaint received 2020-11-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc. (NC)

The company that which goes by, SCA COLLECTIONS XX/XX/XXXX the original creditor was XXXX XXXX XXXX has taken a debt out under my information and credit file of {$260.00} from the date of XX/XX/2014. I was never at the place there talking and have tried contacting them but seems like all they want to get is a card number and my information. I have tried to get it straightened out but I feel like all they want is my money for something to do nothing about or with me or involving me. There hurting my character figure and financial well being.
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (FL)

XX/XX/2022, I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account, Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

For the following accounts : Acct name : XXXX Acct # XXXX I had enclosed a copy of my identity theft report with the written letter I sent out in XX/XX/2022 Because the information you are reporting is the result of identity theft, and inaccurate. During the time this account was open, I was suffering from XXXX XXXX and XXXX and had a caretaker taking care of my things. I have reported the perpetrator to the FTC as instructed. I did not authorize, participate or benefit from this account, I still have not received written confirmation of these actions.
Consumer complaint received 2024-03-30
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (NV)

I had a bill that was put in collections under XXXX XXXX without my knowledge. I was only aware about it because I saw it on my credit report. I spoke to someone at Credit Management who said I had to pay it and than dispute it ( which I already did months ago ) and it would be taken off all my credit reports. I paid it months ago and its still showing on my credit report. Can you please assist and help with this? I was falsely told this and now its still showing up in my credit score.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

This company is reporting fraudulent inaccurate information on my credit report have requested that they provide the purchase agreement to show full ownership of such account and also other document so I May review to see if this is actually an account that belongs to me
Consumer complaint received 2019-10-16
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC (AZ)

After six weeks the company Ditech has refused to send the title on my property. I'm unable to close on the sale of the home and am being given the runaround. This incident involving Ditech is not isolated. Ditech had refused to release the title on a previous property that I owned for several months. All debts have been paid to Ditech in full. I was further told that it could take at least six additional weeks when or if Ditech does send a title.
Consumer complaint received 2019-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/2019 I am locked out of my Chase online banking access & mobile app access and not able to access about {$10000.00} USD in funds that I have in my checking account. The app says to call XXXX, called CSR verified my identity, answered all the security questions ... said they can't help I would have to go to a local branch and show 2 forms of ID. Told them I am working in another country ( XXXX ) 10K miles away from the nearest branch, and will not be returning to the states any time soon. Asked them to connect me to a chase local branch in XXXX said there isn't one in XXXX ... asked to forward me to someone that can help, kept parroting " we can't help you any further go to a Chase bank '' XX/XX/2019 try to email chase through chase.com it says login to your online banking and use the secure email form -- problem I can't access my online banking so therefore I am not able to email chase. 

XX/XX/2019 used XXXX # chasesupport to try and get help, same thing they are unable to help go to a local branch, " ... we're unable to assist further via social media or by phone. ^AN '' XX/XX/2019 XXXX  # chasesupport again said this is not acceptable, would like to escalate issue, did not receive a reply.
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MA)

I am constantly trying to unfreeze my Equifax credit report and constantly get the run around saying they are unable to unfreeze because they need my drivers license and social security card. 
I have faxed and mailed by documents numerous times and Equifax states they are either unreadable or the mail got lost. 
Equifax has also been unable to add my birthdate to my credit report as I have requested this on numerous occasions. 
I am also unable to retrieve my credit report online and can not get my annual free credit report. 
I am also unable to unlock my Equifax credit online. 
By law I should be able to get my annual credit report and unfreeze my credit report at anytime. 
I am attaching a copy of the letter I sent to Equifax, drivers license and ss card.
Consumer complaint received 2022-01-25
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. (NY)

I sent multiple letters to Experian regarding fraudulent accounts reporting on my credit report and By law these accounts must be removed. I created FTC identity theft reports as well. According to 15 U.S. Code 1681c2 - Block of information resulting from identity theft, CRA 's must ; ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

I give the CFPB permission to access my credit report.
Consumer complaint received 2019-10-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TCF NATIONAL BANK (CA)

gateway one lending repossed my car back in 2016 however i was never sent anything in the mail on how to get my car back nor did i ever receive a letter of it being sold and the balance that was owed now on my credit report it states sold charge off however they are still reporting it as a collection every month on my report
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AZ)

I opened a line of credit with a " no credit check '', " open credit check '' company named XXXX at XXXX. When I opened the line of credit with XXXX, it was sold to me as a no-credit lease to own type of program, that acts like a credit card. I verified with the sales associate multiple times that they do not report my account to the credit bureaus as I did not want to affect my debt-to-income ration. I needed a computer after mine failed and needed it asap as at the time I worked from home. I carefully reviewed many options including traditional credit sources and purchased with XXXX as the representative stated that I would have to manually fax a form in to get my credit info, and turn it in to the respective bureaus for credit. They have since reported multiple months to the credit bureaus, and even though they are reporting good credit history, I accepted the loan under the premise that this account not be shared with the three major credit bureaus. I have attempted to call and speak to a supervisor multiple times and only am afforded the opportunity to speak to a low level employee in a foreign country. I have been consistently promised a call back to resolve the matter, and it still goes unresolved. This company is using dirty tactics to get business and I believe is either unethically or illegally taking advantage of me.
Consumer complaint received 2019-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MO)

I graduated in XX/XX/2016. My grace period ended 6 months later. I promptly enrolled in NAVIENT 's auto-pay feature and have made my payments on time and in-full ever since. 

Lately, I have been focusing on my loan with the highest interest rate. After logging in recently, I noticed that the principle balance on this particular loan has not decreased appreciably since XXXX. The minimum payment on this loan is ~ {$330.00}. Yet, when reviewing the payment summaries for XXXX ( XX/XX/XXXX ) and XXXXr ( XX/XX/XXXX ), only ~ {$94.00} in interest has been applied. 

NAVIENT is misallocating my payments among my lower interest loans while preserving the principle balance of my higher interest loan.