davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

Shellpoint and their foreclosure attorney  XXXX   XXXX  are in violation of CA law CAHBOR which prohibits dual tracking. CAHBOR specifically states a foreclosure process may not continue when a work out is being considered. This is an approved short sale and  Shellpoint shows a foreclosure sale date. This is illegal and this activity must CEASE and DESIST. Shellpoint tries to state that the sale date is on hold however that is not in compliance with CA law. The law specifically states the foreclosure process may  not continue. Putting something on hold means you are still continuing with the process. To be complaint there can be NO SALE DATE showing WHATSOEVER
Consumer complaint received 2022-09-09
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)

I wanted to buy another home so I looked at my credit in XXXX of XXXX, there are alarming accounts and inquiries that I did not make. This is disheartening as I worked so hard on my credit to be in good standing for the past 7 years since college. I have an account with XXXX who as everyone should know by now has gone through more than 3 breaches in the past couple of years. I do also recall missing my purse. I lost my purse on my birthday at the club some time ago in XXXX. Though, when I returned to the club the next day to see if I could find it, to my surprise the club owner gave it back to me with all my belongings still intact so I thought nothing of it. I don't know who could have stolen my information or sold it off for that matter. Again this is disheartening as I have reached out directly to XXXX, Transunion and XXXX several times on this - presenting them with all necessary documentation and still have not received any help or guidance. They have yet to respond by deleting all the fraudulent information on my credit report. I paused on putting an application in for a new home and hate that I have to go through all of this. I just want to be treated fairly, I am utterly disappointed in both XXXX and XXXX and Transunion. The accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following accounts.. XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Quickly delete the items from report as soon as possible.
Consumer complaint received 2022-03-10
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. (VA)

To Whom it may concern, I recently challenged the validity of XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Collection ) account thats being reported on my most recent credit report. Upon challenging this, XXXX ( Credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true, I am requesting the information, you used to verify this account in writing. If such documents can not be produced, please DELETE this account from my credit report immediately.
Consumer complaint received 2017-12-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: DISCOVER BANK (MI)

My husband and I had a credit card each with XXXX. When he XXXX XXXX years ago I took over his card and they immediately for no given reason jumped the interest rate to 20 % I have made payments to them all these years but getting nowhere. I decided to consolidate the loans by getting a cheaper loan from Discover loans. This was done in XXXX XXXX. One XXXX card was paid off by Discover namely a/c XXXX for {$9700.00} In the other case Discover sent XXXX {$12000.00} for ac " XXXX. '' Discover wrote the incorrect number for the credit card. The correct number should have been XXXX. This was XXXX. Discover claims they have sent several correction faxes to XXXX but XXXX seems unable to find Discover 's messages or indeed locate the funds. I am in the middle of these two parties with frequent phone calls that go nowhere. The result I am paying the full amount on the Discover loan as well as on the XXXX credit card that should have been paid off.. This extra payment has amounted to nearly {$1000.00} to me over this last three months. I can not get any solution from the parties since there is no resolution from my frequent phone calls to both parties.
Consumer complaint received 2017-12-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (PA)

XXXX XXXX XXXX XXXX has been reporting a debt on my credit since 2015. I have continuously tried to contact this company in regards to information they are providing on my credit report. I have sent out several letters within the past couple months and received no response. I have also had some mail come back undeliverable to their address which was obtained through the information they have provided on my credit report. I have continually asked for information regarding what this debt is and have received no verification, validation, nothing. By failing to provide this information this company is violating the Fair Credit Reporting Act.
Consumer complaint received 2017-07-26
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: EOS Holdings, Inc. (SC)

1. ) XXXX XXXX {$720.00} contacted agency several times.
2. ) EOS CCA ( XXXX XXXX XXXX ) {$380.00} This was not my account. I never had service with them 3. ) XXXX XXXX XXXX 4. ) XXXX  5. ) XXXX 6. ) XXXX XXXX XXXX XXXX 7. ) XXXX XXXX XXXX 8. ) XXXX XXXX 9. ) XXXX XXXX 10. ) XXXX 11 ) XXXX XXXX XXXX XXXX XXXX 12. ) XXXX XXXX XXXX XXXX 13. ) XXXX XXXX XXXX -paid off 14 ) XXXX XXXX XXXX 15 ) XXXX XXXX XXXX 16. ) XXXX 17. ) XXXX XXXX # 18 ) XXXX XXXX XXXX XXXX 19. ) XXXX 20. ) XXXX XXXX XXXX XXXX XXXX 21. ) XXXX XXXX 22. ) XXXX XXXX XXXX 23. ) XXXX XXXX XXXX 24. ) XXXX XXXX XXXX XXXX 25. ) XXXX XXXX 26. ) XXXX XXXX XXXX 27 ) XXXX 28 ) XXXX XXXX XXXX XXXX XXXX  29 ) XXXX 30 ) XXXX 31 ) XXXX XXXX  32 ) XXXX XXXX XXXX 33 ) XXXX XXXX XXXXE 34 )
Consumer complaint received 2021-09-09
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: EQUIFAX, INC. (MO)

After a review of my credit report, I discovered accounts unknown and unauthorized by me and these accounts in questioned are hindering me from buying a house, So Im demanding that these accounts be blocked and removed from my credit files. 

1. XXXX XXXX {$110.00} 2. XXXX XXXX {$960.00} 3. XXXX XXXX {$350.00} 4. XXXX XXXX XXXX XXXX {$120.00} 5. XXXX XXXX XXXX XXXX {$1500.00} 6. XXXX XXXX XXXX {$2300.00} 7. XXXX XXXX {$120.00} 8. XXXX XXXX {$130.00} 9. XXXX XXXX  XXXX {$610.00} 10. XXXX XXXX  XXXX {$830.00} 11. XXXX XXXX XXXX {$1200.00}
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CO)

Have been alerted my personal credit data has been breached by Equifax. Have spent an hour attempting to contact anyone at Equifax via phone numbers ( have called all of them during business hours ), live chat ( system appears permanently down ), and via links on their website ( these all lead to error messages ) to place a freeze on my credit. 

This is inexcusable and perhaps the federal government can step in to force this company to communicate with it 's victims and make their supposedly free services available immediately. I 'm not sure what to do in this situation as I can not force them to fix their phone lines, website, or internal communication system.
Consumer complaint received 2020-05-07
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

XXXX XXXX ( plaintiff ) and XXXX XXXX ( accused ) entered into a mutually agreed upon written contract for the renovation of the property located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX on XX/XX/XXXX. The accused made a written promise ( contract ) to renovate the above mentioned property within eight ( 8 ) weeks for a total sum of XXXX XXXX dollars paid to him at predetermined intervals of two weeks. The accused not only failed to deliver on his contractual obligations, he resorted deceits and series of lies and false statements ( please see XXXX text messages screen shots attached on the accompanying USB flash drive ) regarding the state and the progress ( or lack thereof XXXX of the renovation on the property in question. By XXXX of XXXX, the accused had also received the full payment ( construction loan draws ) with very little work complete with no end in sight. Furthermore, the accused fraudulently induced payment which were NEVER applied toward the purpose it was demanded for. The series of deceits continued and the plaintiff was left with no choice but to seek legal help. A Notice of Default and Demand to Cure was sent to the accused and was given a months time to fulfill the contractual obligation. The accused failed to comply with the Notice of Default and Demand to Cure and was sent Notice of Termination of Construction Contractii with instructions to account for and return the unused portions of the construction trust fund under his fiduciary custody. The plaintiff not only failed to comply with both notices, he is now attempting to circumvent his fiduciary obligations by filing for chapter XXXX bankruptcy. By XX/XX/XXXX of XXXX, the renovation work at XXXX XXXX XXXX XXXX, XXXX Texas XXXX was in an unfinished state and the accused is in possession of funds despiteseveral requests and notice from the plaintiff to the accused to cure and or to return unused funds. Accused also failed to mention his fiduciary obligation in his bankruptcy court filing, he has attempted to deceive the court by surreptitiously and obscurely mentioning just the law firms name and an obligation of {$0.00} on Schedule E/F Part 2 4.45 as a NONPRIORITY Unsecured Claim. Accused violated several sections and articles of multiple Texas statutes and Title 11 of the United States Code which are described and referenced in  detail on the accompanying USB flash drive. I have suffered massively due to this criminal act. I am also trying to have this information displayed on credit bureau 's websites and for them to share this information with inquirers but they have not complied so far. I am requesting CFPB to force them to share my story as well.
Consumer complaint received 2018-03-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (FL)

Originating phone # XXXX Return Phone # XXXX We received the a call today, XX/XX/18. This company is apparently trying to collect a debt from a family member. 

We have not been responsible for the debts or activities of that family member for over 15 years. 

I was told that that the only way they would know about that is if we called them back. 

I believe that they trying to embarrass that family member.
Consumer complaint received 2017-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SUNTRUST BANKS, INC. (MS)

Suntrust Bank allowed XXXX XXXX company to withdraw XXXX from my checking account. This was not an authorized transaction. I pay my XXXX insurance bill online monthly and authorize the amount myself. Suntrust and XXXX have violated the Privacy Act and has charged me an additional {$36.00} for overdraft fees. I spoke with XXXX and they were able to refund {$240.00} to my checking account, but not the full amount due to " limited data or information ''. This transaction was completed from my Suntrust Check card which I did not authorize. SunTrust stated the transaction was authorized by me, but with no proof.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-09-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2022 I signed a rental agreement for property on this listing - https : XXXX Upon executing the document and sending the deposit the rental agent XXXX XXXX stopped taking my calls and emails to this address XXXX also to XXXX - Two transactions from Wells Fargo XXXX through XXXX to XXXX were sent, one for {$2500.00} and one for {$1300.00}. 

The payments were through two bank accounts with Wells Fargo Bank
Consumer complaint received 2017-12-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (IN)

In XXXX we paid college loan amounts on our son and daughter to XXXX for {$79000.00} and Sallie Mae for {$26000.00} This is {$100000.00} dollars with probably XXXX or XXXX as much in late fees and interest. It took all of our savings. My daughter had some left {$20000.00} left that we could not pay and they are coming after her with late fees and wants {$250.00} a month and said she was in default. She has struggled to find a job in her field and the money she has made goes to her living expenses. This is not fair. At this point we wished we would never of even sent them to college. We raised good kids and to send them to college should not of taken all of our savings and caused her this much stress. I see people doing better that do nothing and live on welfare. We definitely picked the wrong loan company but do n't know what to do now. It has ruined us and now we have to worry about this all over again. She has government loans she is paying back but they are willing to work with her. Sallie Mae is not.
Consumer complaint received 2024-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (WA)

I had my phone hacked last XXXX XXXX, honestly not sure how long the hacker was in my phone. With in a matter of minutes I received an email from chime congratulating me on a successful payment to another person. Upon getting the email, I discovered not only was I getting that email, but I got another email asking if I logged into XXXX XXXXXXXX, which I had not, so I immediately went to my chime and logged in to discover not only funds were moved from my XXXX  XXXX  card to my checking account all of my savings had been moved to my checking account, and then all XXXX XXXX  being paid to a person I did not know and was not in my contacts through chime. So, I contact chime to explain the situation and that the charge was not only fraud but if the hacker had been sitting XXXX minutes longer, I would have lost my XXXX check as well. They immediately opened a claim, just to go and deny me hours later, I call again get it reopened and place a rebuttal, same result, same problem XXXX  as well, XXXX  comes, and my second rebuttal was denied. I told chime each time I wanted to resolve it in house with them and not have to go other avenues, and now here we are me having to XXXX XXXX. I am attaching all documents I used to help with my case that were sent to chime including a hand written recap with my signature, also recent bank records showing the unauthorized movement on my account which is in XXXX, the XXXX XXXX when my ssi check went in to show how close I was to losing my check, plus the green showing last time I paid a person through chime, I even stated in my last communication with chime the list of known people I have paid and that the name that shows was someone I did not know and I never had authorized to payment to them. The main issue is chime is investigating but only looking at their systems which check clear and will show no error, they are not keeping in mind and looking the fact my phone was hacked so it's not going show anything in their system, all they can see is I was logged in when in turn someone else was accessing my account remotely through my phone without my knowledge, if were not me getting the email, I would have lost a lot more. I have taken extra measures by wiping my phone, even changing pin for the chime app, and chime is aware of it but still won't accept my claim. I hope I don't receive retaliation from chime for getting another agency involved due to the fact chime won't do the right thing. This is the first and last time I'll ever get myself hacked and plan to be XXXX  in keeping everything secure fully.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

The company reporting late. But the company sent two checks from the bank. I wasn't about to setup direct immediately, therefore the bank had to send our a check. When the checks returned it cause the account to be late.
Consumer complaint received 2019-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

TransUnion is reporting a Bankruptcy on my report and keeps verifying that XXXX is reporting it to them. I have a letter from XXXX that states they deleted the Bankruptcy report from my Consumer report and they are not reporting it to TransUnion. I also have a letter from the Bankruptcy Court who also says they are not reporting a Bankruptcy to TransUnion. On TransUnion website they claim all Bankruptcy before XX/XX/2018 are verified through XXXX and as I said before XXXX has no Bankruptcy reporting on me.
Consumer complaint received 2018-01-03
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (MI)

From XXXX 2010 to date, I 've been dealing with trying to dismiss a fraudulent Student Loan amount from XXXX XXXX XXXX XXXX, who sold it now to XXXX XXXX XXXX for servicing. My XXXX University {$25000.00} loan, for the purpose in completing my XXXX in XXXX, Now with XXXX XXXX, has grown to an unbelievable {$110000.00} with penalties and interests added. My Student Loan Number is under my SSAN number - XXXX. 

Navient has been bugging me to pay this amount ; but, to no avail they are falsely reporting me owning this amount of money to all of my credit bureaus after I repeatedly asked them to stop. I 've asked for a forbearance and deferment because I 've been asking them to retalk with XXXX XXXX to report the correct amount on my original loan amount. Additionally, Navient should not report my school loan on my credit report if I 'm disputing the amount. The loan practices of both XXXX XXXX and Navient are Fraudulent and with malice -- frankly, it is criminal what they have done to me in damaging my credit history falsely claiming that owe {$110000.00}
Consumer complaint received 2017-12-30
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. (MD)

XXXX acct. # XXXX under title XXXX XXXX same as account this contracwas fixed count # 1 XXXX XXXX XXXX XXXX XXXX, count # 2 XXXX XXXX XXXX XXXX XXXX, count # 3XXXX of XXXX XXXX, count # 4 XXXX of XXXX XXXX XXXX t/a XXXX XXXX, count # 5XXXX of XXXX XXXX XXXX, count # 6 XXXX XXXX XXXX, # 7 XXXX XXXX XXXX, facts and evidence warranted
Consumer complaint received 2017-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION (TX)

BBAV compass is chargin XXXX dls to cash every single check that totaling XXXX dls or more, I did a complain and they call me and tell me that if I do n't wan na be charge, then I have to open an account, is that even legal? The person whom told me that is XXXX XXXX Retailing executive at XXXX XXXX, a ) is n't illegall to retain money from a payroll check? B ) they do n't have a legal receipt for that fee, they charging and do n't have a proof of that c ) they want you to open an account to avoid that fee. And also told me that every single bank is doing the same
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: First Investors Servicing Corporation, Atlanta, GA Branch (NY)

On XX/XX/XXXX, I received a phone call from First investors stating I was 60 days past due on my car loan, however this was not true. I made a payment of {$2500.00} in XXXX, however first investor charged the {$2500.00} twice, so my financial institution removed {$2500.00}, which left {$2500.00} posted to the account. I explained to the representative from First Investors and they determined it was an error on their end. On XX/XX/XXXX, I found 3 " 60 days late payments '' posted with XXXX, XXXX and XXXX. I called on XX/XX/XXXX and was told they don't see where it was reported late and told me to email them, which I did on XXXX XXXXFirst Investors have failed to respond causing significant damage to my credit rating.