davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (FL)

Back in XXXX I had fraud occur on my Chime account. Ive previously had this issue in early XXXX and even in XXXX and chime didnt find in my favor so I asked for a block to be placed on my account for a the XXXX XXXX company because I do not have an account with XXXX XXXX and I was tired of my funds being randomly debited. Fast forward to XXXX and another $ XXXX is removed from my account this time is much more than the previous and again Chime response is there was no error. Now Im out over $ XXXX and chime is telling me its not their problem. I was told I would have zero liability with card yet from what I can see so far Im the only person paying and as a single mother of two I cant afford it.
Consumer complaint received 2021-05-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Our home was burnt down due to the California fires. the 1st mortgage insurance paid to fix the home. we offered to short pay the 2nd mortgage and was recently denied ( I was informed XX/XX/2021, as of XX/XX/XXXX I was told that my appeal was under review ... and today I received notification that SPS has put my home up for foreclosure sale on XX/XX/2021. Please help me deal with these people. they told me I was under appeal..and that I was still under covid forbearance protection and now they put my home for sale.
Consumer complaint received 2019-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/XXXX, I attempted to use my Target Card Card ( issued by TD Bank ) and was declined. I called the company and they said that I was close to my credit limit of {$2500.00}. I offered to pay down the bill, but they were unwilling to take my payment. They said that their system could not " see '' my more recent charges and that they would not accept payment. I does not seem fair or legal that a credit card company would tell me I had a high enough balance that I was unable to spend, but at the same time that they would not take my payment for money I owe them.
Consumer complaint received 2019-08-19
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (NM)

Per a 2nd Judicial District Court of New Mexico Court Order, the order states the "mortgage and note are unenforceable."  Case is closed. *  XX/XX/XXXX – Denied Motion; Order On Plaintiffs Motion For Clarification Or Relief From Order Of Dismissal*  1XX/XX/XXXX – Case Dismissed With Prejudice; Order On Statute Of Limitations DefenseSpecialized Loan Servicing continues to harass me.  On XX/XX/XXXX, a field representative posted a notice stating the home was "found to be vacant" and "it is likely that the mortgage holder will have the property secured and/or winterized within the next few days."  The house is obviously occupied.  I called XXXX and spoke with XXXX on Monday,XX/XX/XXXX and let him know the home was occupied. I have sent multiple letters with electronic and signature delivery to Specialized Loan Servicing over the years, and they continue to the harassment.  Please advise them to stop all collection efforts, harassment, etc.  Additionally, in XX/XX/XXXXthey assigned the account to a company called XXXX, I sent XXXX a QRW (letter language attached below).  Now Specialized Loan Servicing is stating the account is coming back to them from XXXX.  Please advise Specialized Loan Servicing to stop all communications, as this mortgage and note are no longer enforceable.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i filed a complaint with TransUnion, XXXX, and XXXX about the following accounts : Account name : XXXX XXXX XXXX 
Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : Child Support Enforcement Account number : XXXX Account name : XXXX  XXXX Account number : XXXX These companies violated my federal rights. 15 U.S.C. 1681 Section 602 ( A ) states : I have the right to privacy. 15 U.S.C. 1681 Section 604 ( A ) states : Consumer Reporting Agency can not furnish an account without my written instruction. XXXX XXXX has been deleted from my XXXX Credit Report, TransUnion Credit Report, and XXXX Credit Report. XXXX XXXX has been removed from my XXXX Credit Report but not from my TransUnion or XXXX XXXX XXXX. I do not understand how it can be removed from one Credit Bureau but not the other two. XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX chose to ignore my request for deletion and simply updated my accounts. By updating my accounts, they violated the same Federal Rights that I informed them that they previously violated. I have spoken with legal counsel, and he informed me that i have every right to move forward with legal action resulting in financial compensation for not only violating my Federal Rights once but ignoring my request of deletion and updating the account and once again reporting it to the credit bureaus without my written instruction. i am 100 % certain i have not given my written instruction to anyone/company. I have decided to file one more complaint before taking legal action and i am again requesting that those accounts be deleted from my credit report immediately. Once the accounts are deleted, I'm requesting a copy of my updated credit report sent certified mail so there is an independent witness to it being delivered. Thanks in advance for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MI)

I began having trouble with Ditech around XX/XX/XXXX and XX/XX/XXXX. I had previously worked out a modification as I had a financial hardship and other than it taking an extremely long time to come to terms of a modification, it was worked out and I fulfilled my requirements. Then I started getting letters from Ditech requesting proof of insurance. I uploaded my insurance documents to their website and they continued to ask for proof. I uploaded the insurance a few more times, mailed a copy to the servicing center and faxed a copy to ditech and literally received no response from Ditech. I called and talked to customer service to be told that they did not receive my insurance information and I needed to do it again. How much more can I actually do at this point for them to get it? I did those things again and again I recieved requests for my insurance but now along with the request, I also go forced placed insurance and new payment information raising my payment up a very significant amount. I contacted them again and continued to call and upload, fax & mail my insurance information and they continued to tell me they never received it. I then decided to contact the forced place insurance company. They provided me with an email address for them to send my insurance info and they would cancel. I forwarded my insurance and like she promised, she cancelled the insurance. This however did not fix my now affordable payment. Still no response from Ditech other than the standard letter " We have received your request and will contact you within 30 days ''. They did do a reanalysis of my escrow and my payment went back down but I did not receive any sort of explanation on a refund from forced placed. As of XX/XX/XXXX My payments were back down to an affordable payment but not before they reported late payments. So now as of XXXX my payments are back down, however, I am unable to make payments online, my payment information is incorrect online and when you call in your payment, they want a convenience fee for calling. When I asked them why my statements and payments were all messed up online they said they were having issues. This issue never did get fixed for me and I could never get an explanation of why. I sold my house in XXXX and requested a payoff from them. They sent it to me and it included {$400.00} even of fees that were never on any statements or disclosed to me or anything. When I attempted to contact them to find out why it was there, I got a letter stating they received my request and would be in contact within 30 days. Well, it is has been over 30 days and I have still had no contact. I am very thankful that they are now paid off and I will not have to deal with them any longer, but I think I deserve the proper attention for this issue. I do have records of uploaded documents, my insurance information and other supporting documents as I am sure they have no records of anything.
Consumer complaint received 2021-05-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MN)

I was denied loan forgiveness under the TEPSLF stating I had not made enough qualifying payments from a recent letter dated XX/XX/XXXX. I had XXXX on XX/XX/XXXX, and still have XXXX as of XX/XX/XXXX. I have submitted all my Public Service Loan Forgiveness Certifications forms from my employer, and yet they said they have not had time to update my payments, which disqualifies me for student loan forgiveness. They can not give me a time line as when this will be updated and laughed at my request. I have been through this before with them, and NOTHING HAPPPENS. I am so upset at the lack of cooperation, honesty, horrible communication, and lack of respect. My loans are to be forgiven this XX/XX/XXXX. I have never missed a payment and have followed all the rules regarding PSLF, it makes me sick at how this company can be so dishonest.
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MS)

The following companies ran unauthorized credit report on me.. I never authorized such inquiry..I have never given permission for them to inquire my credit status.. Please remove unauthorized inquiries on my credit report.. This is a violation of the Fair Credit Reporting Act Section 1681b(c) and a serious breach of my privacy rights Remove XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX,
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, how are you writing this regarding some FRAUDULENT queries in my credit report already filed and the same complaint, for someone else is using my personal information to try to open accounts in my name, please remove all these fraudulent queries from  my credit report ..
Consumer complaint received 2021-05-07
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: WELLS FARGO & COMPANY (CA)

On XX/XX/2021, an auto-payment charge of {$6.00} was made to my Wells Fargo credit card. 

I was unaware that this charge was present as I had added a new payment method to that website and was under the impression that my account had a {$0.00} balance. 

As soon as I saw my credit score had decreased due to my Wells Fargo account, I logged in and submitted payment in full. I contacted Wells Fargo who told me that they would not contact the credit bureaus and would not remove the late payment from my report, and advised I contact the CFPB as it was an unfair situation, but it is against their policy. 

They informed me that a letter was sent to my residence in XXXX as a final effort to receive payment, but I moved on XX/XX/2021 and did not receive the letter. 

I have a {$0.00} balance with WF now, and have been 100 % on ALL credit line payments ( WF or not ) for the past 7 years. I am absolutely horrified that a missed payment of under {$7.00} has resulted in a credit score drop of 40-70 points ( depending on which website I am looking at ) for the next 7 years. I resolved the payment immediately and need help to keep this {$6.00} mistake from effecting the 33 % weighted late payment category of my credit for the next 7 years of my life.
Consumer complaint received 2021-07-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF THE WEST (CO)

On or about XX/XX/2021 I was notified by BANK OF THE WEST that I was being charged {$70.00} for two overdrafts on my account. The amounts were XXXX CENTS and XXXX CENTS. I was charged {$35.00} for each transactions and neither was paid by BANK OF THE WEST. Both amounts were deposited and were suppose to be withdrawn for verification of my account for XXXX. This is a new account with BANK OF THE WEST and I was trying to link other accounts to the BANK OF THE WEST account, only to be charged {$70.00} for an overdraft of less {$1.00}. I was notified by XXXX that the transaction has gone through, but once I checked my account it appeared BANK OF THE WEST reversed that transaction in an attempt to charge the overdraft fee of {$70.00} for two withdrawals for less than {$1.00}.
Consumer complaint received 2021-05-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Early Warning Services, LLC (FL)

I represent two Parties - ( 1 ) Myself trying to pay a payment to a small business - XXXX XXXX XXXX XXXX  - a small not-for-profit dive club ... 
For the last year ( 18 months ) this kind of transactions have been allowed ( within a weekly limit of - I think - {$400.00} ) I am - was used to -using Zelle - " the back door way '' - say when your financial institution ( credit Union - mine is XXXX XXXX does not officially supporting Zelle as an offered service ) does not support - you follow the instructions on the Zelle `` how to pages '' : signup [ with the cell phone app ( XXXX or XXXX XXXX ) and use your ATM card ] - my last attempt was blocked - with the error message - that a back-door Zelle payment ( ATM based ) is not allowed to go to a small business???

This defies the purpose of the whole system???

The second party ( 2 ) is that I am an XXXX XXXX - XXXX XXXX XXXX XXXXl - and pour business do rely on getting the payments - for dues and trips - that are now blocked - see above I do have a detailed writeup - that I hope I can upload - if not please reach out for details
Consumer complaint received 2019-08-19
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. (FL)

I have a delinquency reporting in my payment history, although I have no delinquent accounts. So my credit report shows that all my accounts are paid with no late payments, but simultaneously it says I have a late payment dated 2 years and 4 months ago.
Consumer complaint received 2022-10-11
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Merchants Acceptance Corp (FL)

I called the company in XXXX to ask them to not contact any phone number outside myself and my boyfriends personal number. This is after they had contacted my boyfriends job and given his former boss information about the debt. On XX/XX/XXXX they called my mother and left a message. I again called them and requested they not contact any number about my debt but the numbers I provided and the agent essentially said theyll contact any number they find in a search to try and collect. After I explicitly stated yet again that the only numbers to be used for my account are the numbers we have for our cells. The agents have been dismissive and rude every time I call. It shouldnt be hard to expect my private information to stay private. Or for them to only contact the numbers we provided.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

Hi XXXX has a 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 XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old  daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2021-12-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (NC)

I closed my PNC Bank Checking Account on XX/XX/ 2021, and I have not received my XXXX and XXXX 2021 Social Security Didsability Benefit checks nor my XXXX and XXXX round of Stimulus Checks for 2021!!!
Consumer complaint received 2020-09-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation (CT)

I bought a car in 2018 from BridgeCrest XXXX in Florida. They charged me a rate of 24.9 % knowing I couldnt afford it. I know Florida law is 19 % they allowed the other party to Modify the Loan with just her signature and not mine when my name was printed on the bottom where I was supposed to have signed. I told them not to modify the loan. The vehicle Went to repossession and they did not send any notice to me about it to the new address I provided them. They intentionally sent it to a previous address. I had no idea that the car was actually repossessed or that it was sold at auction. My credit score is  harmed because of a predatory lender and I need help.
Consumer complaint received 2017-12-21
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: Experian Information Solutions Inc. (MD)

Experian, XXXX and XXXX have Collection accounts and inquiries that are fraudulent and do not belong to me. THERE WAS NO PERMISSIBLE PURPOSE AS PER THE FCRA LAW, I DID NOT APPLY FOR LOANS OR CREDIT. As well, they have several variations of my name, inaccurate addresses that do not belong to me, attached to some of these fraudulent inquiries and collection accounts which is causing financial damage because the information is inaccurate yet its causing me to lose job opportunities, etc. I have not contracts with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX or the alleged, original creditors. 

THE ONLY NAME, ADDRESS AND NUMBER THAT SHOULD BE ON MY REPORTS ARE : Update my name and address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX
Consumer complaint received 2022-11-17
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The : following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$2100.00}, XXXX XXXX XXXX Balance : {$9300.00}, XXXX XXXX XXXX  XXXX Balance : {$8200.00}, XXXX XXXX XXXX XXXX XXXX {$8500.00}, XXXX XXXXXXXX XXXX Balance : {$230.00},
Consumer complaint received 2022-04-27
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. (MI)

As of XX/XX/XXXX, there are multiple unauthorized inquiries and derogatory/collection accounts reported to my credit. Here are the following ; as of XXXX there is a collection that is derogatory of {$0.00} reporting to my credit from XXXX XXXX XXXX XXXX Multiple attempts have been made for removal. As of XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX there is an unauthorized inquiry for a loan reporting to my credit XXXX XXXXXXXXfrom original creditor SBA. Multiple attempts have been made for removal. As of XX/XX/XXXX there is an unauthorized inquiry for an auto loan to my credit from XXXX XXXX XXXX original creditor is XXXX  XXXX. Multiple attempts have been made for removal. As XX/XX/XXXX there is an unauthorized inquiry for an auto loan from XXXX XXXX original creditor is XXXX XXXX. Multiple attempts have been made for removal. As of XX/XX/XXXX, there is an unauthorized inquiry for an auto loan from XXXX XXXX XXXXXXXX original creditor is XXXX XXXX XXXXXXXX. Multiple attempts for removal have been made. As of XX/XX/XXXX an unauthorized inquiry was made for an auto loan from XXXX XXXX XXXX original creditor is XXXX XXXX XXXX. Multiple attempts have been made for removal. As of XX/XX/XXXX there is an unauthorized inquiry made for an auto loan from XXXX. Multiple attempts for removal have been made. As of XX/XX/XXXX there is an unauthorized inquiry for an auto loan from XXXX XXXX XXXX  Multiple attempts have been made for removal.