davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted this complaint to update these suspicious information. TRANSUNION Credit Bureau must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX Credit Unions XX/XX/XXXX
Consumer complaint received 2019-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MS)

I have a care credit card and have tried 3 times to set up an automated payment. The payment time rolls around and I get a late fee because Im told the draft wasnt set up. I asked that the late fees be removed and explained my frustration that its not my fault that they didnt set up the draft as they said they would. It caused a snowball of fees that I will never be able to catch up. 

Theyve recently even started harassing family members of mine. I keep getting numerous calls with the hour some are no caller id and they are always hanging up on me.
Consumer complaint received 2019-11-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (MS)

Thee was a dispute for a balance with an XXXX credit card balance. The company handling it harassed me and called family members harassing them. They were asked to stop and a file was made. I was told that the balance had been cleared and they would no longer contact me. Now Im getting calls constantly from Midland XXXX  regarding this same debt. My ex spouse and others are getting numerous calls. Weve also started getting calls from no caller Id. When we answer to discuss, as soon as I ask them why they are still harassing me they hang up. Im sick of the harassment for a debt I dont  owe.
Consumer complaint received 2018-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My mortgage is serviced by Bank of America. My mortgage payment includes an escrow payment for insurance. On XX/XX/XXXX, Bank of America sent me a letter demanding that I provide proof of insurance and threatening to charge me for insurance that Bank of America will select. This is ridiculous and harassment as I pay insurance escrow payments and Bank of America makes the insurance payments from my escrow account for the insurance policy that I selected in XX/XX/XXXX.
Consumer complaint received 2021-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NV)

On i believe XX/XX/2021 I was at XXXX XXXX a car as my vehicle was stolen. After 2 hours in the rental agency I handed the customer service rep my chime debit card to reserve the vehicle. It was declined. How could that be as my check was direct deposited into my chime checking the night before. So, I called my son and he came to the agency to use his chime debit card only to find out it too was declined. No way we thought. Had to call my husband to my rescue to start the nearly 3 hour process all over again THE NEXT DAY. Phoned Chime, they have my number blocked stating my account was closed and they won't speak to me. Only communicate thru email!! I emailed many times wirh zero response. I have nearly {$1000.00} just deposited on this account! As well auto deducts for my rent, storage unit, car insurance, wifi and several other ACH bills. My son tried to login t on his account and was blocked by chime stating his account is suspended. 2.5 weeks later STILL no access to our accounts and every dollar we own. I am faced with eviction now. I'm being charged nearly {$1500.00} in latest fees from all creditors. My son sent chime all documents they requested to verify identity and STILL TODAY no access to his account or monies. CHIME gave us zero notice our accounts would be closed and frozen. I've called them 8 times only to be rudely put on hold for 1.5 hours at one point and hung up on by a customer rep!!! I am faced with eviction because of these crooks and late fees I can not afford. I can not even put gasoline in my car as chime holds all of my money. We need help and quickly please. Chime should be accountable for all of our late fees and then some. I want them held accountable! We want OUR MONEY.
Consumer complaint received 2021-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (TX)

Goldman Sachs is not consistently reporting my credit card balance every 30 days per FTC laws. I was advised it would be updated ever month, at the end of the month. It was not updated in XX/XX/XXXX. It was last updated XX/XX/XXXX. As of XX/XX/XXXX it still shows the wrong balance.
Consumer complaint received 2017-12-05
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. (VA)

The following negative accounts on my XXXX credit report should NOT be listed as they were opened when I was overseas using my information : XXXX XXXX XXXX ( Charged off account ) XXXX XXXX XXXX XXXX I keep asking Experian to remove it and they wo n't even after telling me my proof was adequate.
Consumer complaint received 2017-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (CO)

I had a Gm XXXX that was recalled because of an EPA lawsuit. When we turned int the vehicle we were told by XXXX not to make anymore payments and that they would make the payment before the due date since they were paying off the loan. We got notice 30 days later that there was a 30 day late payment put on our credit reports. I 've tried to have it removed with the company and the credit reports but no one has removed it. XXXX refuses to fix their mistake.
Consumer complaint received 2018-01-17
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (WI)

I was recruited for my loan through the recruitment officer who came to the school to recruit me to go when I was XXXX years old and did not fully describe the details to the loan to my mother XXXX XXXX and I. Later I was talked into deferments ( after harassing phone calls threatening my mom they were going to take everything she had ) then I was not fully explained that that would incur interest. Also when the company was formerly known as XXXX XXXX I would get phone calls from my mother 's sobbing because their employees of customer service would call my mother and threatened to take her house and threatened her financial standings and so I would then get talked into going into deferment and be talked into that over and over until my interest is now at 10 % or more and i incurred around {$10000.00} in interest as well and can not work in with any of the " education '' from this college either. The credits do n't transfer. This loan is HUGE so i ca n't get any other student either and i also was not made aware that there was other programs that it was possible i could 've qualified for that would 've helped me with my loan so instead i have now incurred quite a bit of Interest I also was not able to finish my degree fully due to severe allergic reaction at the college after XXXX XXXX threatened insubordination. This is after being recruited and now XXXX XXXX XXXX XXXXXXXX Minnesota is closed. I am looking into further action with a lawyer at this point if action on this isnt satisfactory.
Consumer complaint received 2022-10-05
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. (CA)

I have been disputing this error on my credit report for the past 4 months and nothing has changed. I am now being violated as a consumer and these bureaus are causing me XXXX XXXX  by reporting inaccurate late payments on my credit report. I have never made any late payments on any of my accounts yet these bureaus are still being stubborn by reporting the XXXX late payment on XXXX of my student loan accounts. This will be my final attempt to rectify this situation as it is highly affecting my credit score from what it should be reflecting as currently. EQUIFAX IS ALSO WELL OVER 30 DAYS OF RESPONDING TO MY LETTER THEREFORE THE SIMPLE ITEM I AM REQUESTING TO BE UPDATED NOW MUST BE UPDATED BY LAW.
Consumer complaint received 2021-03-24
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)

XX/XX/XXXX XXXX XXXX, XXXX,XX/XX/XXXX TransUnion Consumer Solutions Consumer Reporting Agency are in violation of 15 USC 1681 ( a ) Accuracy And Fairness In Credit Reporting 15 USC 1681 ( 1 ) - Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
15 USC 1681 ( 4 ) - There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
15 USC 1681 ( b ) - It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
15 USC 1681b ( a ) ( 2 ) - ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 USC 1692g Validation of debts.
Consumer complaint received 2017-11-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: CITIBANK, N.A. (NH)

I had originally been lent my private student loans by citi bank back in XX/XX/XXXXto XXXX, later sold to XXXX. It was not made clear to me what the length of the term would be or the double digit interest rate until after graduation.
Consumer complaint received 2017-12-13
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

yes I went on to XXXX XXXX andsaw i had a few capital one credit cards. I contacted capital one they stated i was cleared before of an account but still showed three accounts under my name and SS number to this day which has been over a year they have not cleared me of these fraud accounts.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I became XXXX  and XXXX in XXXX of XXXX. I continued paying loan and car note until I had no other option but to file insurance through XXXX  whom I have been paying for insurance for the loans I have with them. I have never been late before. I called XXXX explained my situation told them I have not been working and would like to put in a claim for the auto and loan that I currently have with them. I was told insurance has been filed and XXXX will take care of it. Now I have been hit with late payments even though insurance has been paying. XXXX 1LATE PAYMENT XXXX 2 LATE PAYMENT
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my XXXX  and TransUnion reports. There is a hard inquiry from a company called XXXX XXXX. ' This company has no contact info for me to investigate the inquiry. I have not applied for any credit card or loans recently or within the last two years. I believe this inquiry is fraudulent. The only application I submitted to any company was a XXXX XXXX mortgage application, however, I did not request to have any credit checks, yet. I never spoke to anyone from the company. I only ask to speak to a mortgage loan officer to discuss possible loans.
Consumer complaint received 2021-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (VA)

I have contacted Discover Card throughout the entirety of the covid pandemic asking for help and attempting to keep my account with them current. Unfortunately, Discover  has been of no help and instead has charged me for late fees and increased the interest on my account while I deal with the financial and health stresses of Covid. It came to a head recently when they told me that they were federally regulated to not offer help to a customer more than twice during a 5 year period. I called the CFPB who told me that was not true. I went back to Discover and asked them why they would lie to me rather than attempt to assist a customer trying to stay afloat and they admitted that they were not telling the truth but offered no assistance. I simply don't now know where to go except the CFPB. They are threatening to raise my minimum payment. I repeat, RAISE my payment when I was asking them for a reduction in interest and for them to waive the early {$200.00} in late payment fees. I am behind due to Covid. I freely admit that I wish I could pay this bill in full and had never gotten behind. But my husband and I are devastated financially due to covid and fell behind even further while caring for loved ones during the pandemic. I can not understand why a company would resort to mendacity rather than caring at a time like this. I have all of this documented and now must take the step of hoping the CFPB can " make '' Discover not lie and do the decent thing moving forward.
Consumer complaint received 2017-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

Contacted representatives of the company via telephone and emails several times in XXXX and XXXX XXXX because of the financial hardship I am experiencing from Hurricane Irma. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XXXX XXXX on my credit card accounts.
Consumer complaint received 2017-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (NV)

On XX/XX/2017, I received a debt collection letter from Professional Bureau of Collections of Maryland , Inc. regarding XXXX XXXX XXXX XXXX in the amount of {$120.00}. The letter is dated XX/X/2017. 
I have never agreed to contract, nor purchased anything from XXXX XXXX XXXX ever. I visited a personal trainer, XXXX XXXX, at this gym over a year ago, but paid HER for her services. I asked her today if she signed me up for anything, she said no, and to file a complaint with the Attorney General.
Consumer complaint received 2017-12-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Consumer Portfolio Services, Inc. (KY)

I opened my auto loan with Consumer Portfolio Services in XX/XX/XXXX. I made my first payment in XX/XX/XXXX. As of today, XX/XX/XXXX, there have been 18 monthly payments made at {$500.00}. This totals {$9000.00}. In that same 18 month period, {$6400.00} has been applied to the interest on the loan and {$2500.00} has been applied to the principle. Somehow, 18 monthly payments on a {$17000.00} auto loan has reduced the principle balance to {$15000.00}. I would like the CFPB to investigate this. I can not figure out any way where 71.9 % of all payments should be going to interest while 28.1 % go to the principle. This car will never be paid off if that is the case.
Consumer complaint received 2017-12-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: FIDELIS RECOVERY MANAGEMENT, LLC (GA)

The number ( XXXX ) XXXX and other variations of this number have been calling my mobile phone and my job for several months now. They would call my work number first, and then hang up without saying anything. Then a few minutes later, the same number would call my mobile number. I have blocked several numbers with the XXXX area code from my mobile because I know this company continuing to call me from different variations of their business numbers. Today, someone called my work number and wanted to verify my date of birth and did n't even tell me the name of the company. I asked what was this dealing with, and was told that it something to do with " my business ''. I ended the call because I was not going give my personal information. I then called the number back and the name of the company is FIDELIS RECOVERY MANAGEMENT. I stayed on the line to see why they were calling me. The woman on the line stated that she was a Manager, and that she needed to verify my employment and date of birth. I told her that I do n't give out my personal information. She stated that the company she was representing was XXXX, and that I had an account with them in 2014 and was making payments on the account. I told her that I do n't recall an account with XXXX, but that I had some fraud issues going on with a family member. She stated that if it was fraud or identity theft, the perpetrator would " hit and move ''. I again told her that my issues was with a family member, and that I did n't have an account with XXXX. I asked why was n't any letters sent out, and she stated that several letters had been mailed to me. I did n't get any letters. She stated that my information needed to be verified, so the company ( XXXX ) she represents will continue to decide on what actions needed to be taken on the account. I told her that I was n't going to verify any of my personal information, and I ended the call.
Consumer complaint received 2017-02-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

i have a 1st and 2nd mortgage on my home. I am trying to refy my 1st only to change it from an adjustable to a fix rate, nothing more not trying to get any money or anything out of it. they have sent a subordination to the 2nd as they are supposed to do to let them know what going on. I started this process in XXXX of 2016, I signed a paper and sent a letter stating what I was doing, they wanted a real signature so I got them a real signature then they wanted my address on the form so I did this then they wanted all this on another form so this was done. my 1st mortgage sent them all the paperwork and we have been waiting for months now to hear back from them they keep saying it is in review, meanwhile I keep getting extentions for a price lock on my first they have put several of these on and they do n't know how many more they will be able to use since they are limited. my mortgage is supposed to be going up in XXXX which is next week that why I had started this process well ahead of time my mortgage company said that this usually only takes a couple of weeks so why is it the 2nd has taken a few months which it should only take a week or so. I am at a loss here and am trying to get this all take care of I have talked to them but they are in no way any help at all they said they just received it on the XXXX, but when I spoke they admitted it was early XXXX. they said it takes 5 days then another 30 days the first cant wait that much longer and the 2nd said this is if it is approved why would n't they approve it nothing is going to change for them. I do n't know if you guys help out in this situation or it just a place to make a complaint, but if you can get them to expedite this it would be extremely helpful.