davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-09
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)

filed ftc on all the accounts listed : XXXX XXXX XXXX Account Type Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$700.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$9.00} XXXX   Account Type Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$1500.00} Term -- Monthly Payment $ XXXX XXXX, XXXX Creditor Name XXXX Account Type Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$300.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$460.00} Highest Balance {$460.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment -- Amount Past Due {$460.00} Times 30/60/90 Days Late 0/0/0 Remarks Charged off as bad debt Canceled by credit grantor Payment History Latest Status : Collection/Charge-Off No payment history has been reported by this creditor. 
Credit Utilization*154.00 % Creditor Contact Details XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX   XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$210.00} High Balance {$210.00} Remarks
Consumer complaint received 2018-03-15
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: National Management Recovery Corp. (NMRC) (AL)

Oh XX/XX/2018 XXXX XXXX XXXX out of Florida contacted me to tell me that the payment that they received from me was fraudulent and that they will take legal action against me by serving me on my job. The next three communications I had with the company all included them letting me know that they will take legal action against me and sue me.
Consumer complaint received 2022-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (IN)

On XX/XX/XXXX, I placed an order with XXXX for {$290.00}. Unfortunately, they were only able to provide me with {$45.00} of the orderand had to cancel the remaining items which totaled {$250.00}. I spoke with Chime on XX/XX/XXXX because I noticed the pending transaction date had been updated to XX/XX/XXXX. Chime wanted me to dispute the {$45.00} which I told them I would not because that was my transaction. They stated XXXX updated the pending transaction. I called XXXX and spoke with XXXX XXXX. She conferenced in Chime and explained to XXXX that the money should be released back to me and sent over the documentation telling them the error was on their end as the authorization reversal as well as the charge authorization had been sent to them on XX/XX/XXXX. 

I spoke with XXXX and XXXX, the supervisor at Chime this morning with no resolve. They are still following their script and refusing to assist even though they are in possession of the documentation.
Consumer complaint received 2017-02-14
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (CA)

I recently got a SouthWest Visa card. When I created a login account on the Chase website, I saw they had listed a XXXX account which is a XXXX Visa card. I do n't think I signed up for that card, ending in number XXXX. It was never activated, it was never used. So I asked the representative to waive the accumulated charges of late fees, interest and annual membership. They refused to waive the {$95.00} membership for an account that has never been used. I spoke to the supervisor, and she told me the same thing. This seems like a scam which XXXX XXXX has been recently doing. To charge a customer for something they never used. It would make sense if I 've been using a XXXX Visa card, and then ask for a {$95.00} waiver for an annual membership fee. Chase should automatically check their accounts to see if a card has not been used for a year, then consider it inactive and cancel it. Instead they keep adding up charges and tell the customer to pay for a product / service which was NEVER used
Consumer complaint received 2015-08-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc. (TX)

CBE company calls me repeatedly daily for a XXXX XXXX XXXX. I am XXXX XXXX XXXX with different social security #. I have asked and told them to take me off their list and yet I get called every day. What can I do?
Consumer complaint received 2016-01-26
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (NC)

On XXXX/XXXX/XXXX I requested a 90 day fraud alert due to losing personal identification items. Instead of the 90 day alert Equifax placed a 7 year fraud alert. Since then, in both XXXX XXXX and XXXX XXXX I have mailed a letter to the address specified by Equifax for removal of fraud alerts. I included copies of my social security card, NC state ID card ( valid until XXXX ) and a current power bill. As of XXXX/XXXX/XXXX the fraud alert has not been removed. I want it gone immediately. I am including a copy of the page showing the fraud alert still present on XXXX/XXXX/XXXX. Equifax Confirmation # XXXX
Consumer complaint received 2021-02-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

I contacted Amerisave on XXXX XXXX 2020, to refinance my house. I have XXXX FICO score, high income, low loan to value. The loan officer took all the information, provided me with a disclosure, 2.5 % interest rate and {$2400.00} for fees, took all my documents, and when I asked in XXXX to lock my rate and fees, he would promise on a weekly or daily basis that he is on it and it will be done in a day, in a week, then he started ghosting me. I contacted his manager, and he promised to remove the processing fees and the small partial point for all the trouble and lies his subordinate had given me, and to lock my rate within 3 days. This was based on the XXXX XXXX, and the original disclosure. He started then not to respond to my daily, weekly emails and ghosted me. Then I contacted the director, and he promised to honor the disclosure and to lock my rate and fees as was promised and apologized. He continued promising me this for another 2 weeks. Later another disclosure was presented with a different rate of XXXX and and $ XXXX of fees and when I asked him if this was a joke, he said this is what he can do. He provided a rate based on that day, instead of what he and his other 2 subordinated had promised. He said they learned a lot of lessons and they will correct those, but I do not believe anything he says. He just enables his subordinates to conduct in the same unethical manner and hurt any consumer for their own gain. I have all the emails, dated disclosures and unluckily, did not record the phone conversations. How can these crooks get punished and out of business for their unethical behavior and hurting consumers?
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Uplift, Inc (GA)

Uplift reported a charge off on an account that I never opened with them to XXXX. They said that I opened an account on XX/XX/2022 but I personally didnt. Someone did and paid on the account for 11 months and stopped. I never received any information saying that an account in which I was responsible for was delinquent. I have had the same address, cell and landline for over 20 years. I have asked them for documentation and proof that I opened this account but I was advised that based on the personal information that is mine that they didnt find anything. Yet they put a charge off on my credit report. I always pay my bills on time. My email address XXXX. I want Uplift Inc to provide me with proof that I opened an account with them ( which I know that I didnt )!!!
Consumer complaint received 2017-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (WA)

Was told I had to consolidate so not knowing any better I did. This locked new into never being able to have any better options to repay my loan. I made an attempt to get ahead of my loan and the interest payment by being several months ahead of my loan if I miss a payment or if the loan payment is made 30 days after the last payment u get a penalty even though I am 7 months ahead. When I make my payment I try to make it a 21-25 days after the last payment. They take it out of my account but do n't process the payment until to 30 day so that month of accrued intere see that continues. I have tried everything to pay down my loan and nothing is effective. By chance I did discover that the payment they give you in the beginning is well below the actual interest you are being charge so I was able to stay ahead of that. When I would call to find my option they would either tell me I had none.
Consumer complaint received 2020-07-09
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: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ALWAYS BEEN VERY CAREFUL WHEN IT COMES TO MY CREDIT BECAUSE I KNOW HOW IMPORTANT IT IS TO HAVE GOOD CREDIT. I HAVE NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT BUT I AM CERTAIN THAT THEY DO NOT BELONG ON MY CREDIT FILE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-11-25
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: Navient Solutions, LLC. (TX)

Good afternoon, My name is XXXX XXXX XXXX and I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX,2020 XXXXXXXX XXXX,2020 XXXX XXXX2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Consumer complaint received 2015-05-28
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (NV)

On XXXX, XXXX, 2015, I contacted all three credit reporting agencies by phone, to get my free annual credit reports. It was indicated that it would take about fifteen ( 15 ) days to receive the reports. As of today, I have only received one, which is from XXXX. I have not received any correspondence from Equifax or XXXX.
Consumer complaint received 2015-10-31
Product: Credit card — 
Issue: Billing statement — 
Company: NAVY FEDERAL CREDIT UNION (PA)

Navy Federal refuses to give me statements for my account. They have taken away access to my account. I have no idea on purchases that were made on my account, because they are withholding statements. I am hereby refusing to pay now since they refuse to tell me anything about my account. I have supplied them with my identification like they requested before but still nothing. I am attaching identification again with this. If any negative activity appears on my credit report I will pursue legal action with the courts against Navy Federal.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1666b. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number:XXXX Account Name : XXXX XXXX Account number:XXXX Account Name XXXX XXXX XXXX Account number:XXXX Account Name : XXXX XXXX XXXX XXXX Account number:XXXX Account Name : XXXX XXXX XXXX Account number : XXXX Account Name : XXXX XXXX Account number : XXXX Account Name : XXXX Account number : XXXX Account Name : XXXX Account number : XXXX Account Name XXXX XXXX Account number : XXXX 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2015-11-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (IL)

After a recent divorce, I am under court order to sell the marital home or refinance entirely in my name. Because the property is currently worth {$50000.00} less than we owe on it refinancing is out of the question and a short sale is necessary. Let me be clear, as of this date I am current on my payments. My ex-husband and I have worked hard to meet our financial obligations and to minimize the disruptions to our children 's lives brought on by the divorce. At this time it is necessary to sell our home. We are no longer economically able to continue to support this debt and are trying to be as responsible as possible in resolving the sale of our property. We have an offer to purchase our home that we have submitted to the bank. Ocwen has drug their feet throughout the entire process. I have had to submit documents multiple times. I have received conflicting and inaccurate information about what documents have been received and which are still required. Every time I have sent them the documents they have requested they come back and ask for another XXXX or ask me to resend what I have already submitted. My offer has been with Ocwen for weeks and has yet to be submitted tot their " Investor, " in my case XXXX XXXX. I feel because we are not in default they have no incentive whatsoever to work to resolve our case. Their " Relationship Managers '' have XXXX authority to answer any meaningful questions about what will happen with my loan. All they can do is collect my documents, and they do n't even do that efficiently, and send them on to " their investor. '' XXXX can not escalate to a supervisor or file a complaint in any fashion. There is no way to contact or speak with the mythical " Investor. '' It has been the highest, broadest, thickest stone wall I have ever encountered in my experience as a consumer. There is no recourse whatsoever. This is a government regulated industry where banks operate with impunity at obscene profit. I have little hope that this forum will offer any assistance but I have made an attempt.
Consumer complaint received 2023-04-05
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. (NC)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-04-05
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2016-03-08
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY (CA)

I have been the victim of identity theft in the past. It was through the office of an insurance broker I used. They informed me an agent had forged my name to cash a check. I thought it was left at the. I recently had to consolidate loans that went into default and was given a full report of my loans. I realized the amount was twice what I expected and there were two years in which loans were taken in my name that I do not recall receiving. They were over XX/XX/XXXX and XX/XX/XXXX. The amount in those two years doubled what I had received prior to those years. Although I was in school at that time, there was no reason for me to take such loans. I need to know where to loans were deposited to. Then I will know for certain what happened.
Consumer complaint received 2022-02-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX / XXXX / {$980.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2016-11-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MN)

Dear Sirs, I have a Home Loan Mortgage, and Home Equity account with Wells Fargo Bank. Recently, Wells Fargo updated their online presence by offering access to my personal Credit Score. I was shocked in seeing my score a full 56 points lower than it appears on my XXXX score. I have submited complaints to CFPB in the past concerning the questionable tactics used by Wells Fargo, specifically as they apply to the Home Mortgage Division. Briefly, in 2012, following a mid-management job loss, I approached Wells Fargo for some help in lowering my monthly obligation of {$2100.00}. The bank immediately decided that I belonged in their " Home Preservation Program ''. This was the greatest financial mistake I have ever made, and I have been paying for this involvement ever since. Wells Fargo was literally filled with false promises, delays, lost paperwork, you get the picture. After 8 months of " lies '', I was denied inclusion as my household income was deemed " Too High ''. I concluded that the bank was aware of this factor from the begining, and as the monthly obligation became increasingly difficult to meet, my Credit Score plummeted into the low 500 's. The only area where the bank excelled was in reporting late payments to the Credit Bureaus The Bank continues to report a negative standing on the two accounts, siting late payments even though this has not been an issue for over two years!! 
I focused on rebuilding my score, and was pleased by the results cited on my XXXX file. The latest entry lists my Score at 745. To view only a " fair '' rating on Wells Fargo 's site has prompted me to action. I have submitted a complaint to Wells Fargo, and am awaiting their response. 

Sincerely, XXXX
Consumer complaint received 2015-03-26
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: BAM Financial, LLC (WA)

Clear back last XXXX I got several awful voicemails from someone mumbling about a " personal business matter '' that their lawyers wanted to speak with me about. Eventually ( XXXX ) they called and I answered. They specified they were from " West & Associates '' collecting on a Debt from XXXX. A few days later I got a letter in the mail from them saying they were going to sue me in court and press judgement against me. Immediately I sent them XXXX letters ( attached ), XXXX asking them to VALIDATE debt, and another telling them to cease all contact except via written letter to me ( sent on XXXX XXXX XXXX ). They ceased all communication until XXXX XXXX XXXX at XXXX XXXX and again on XXXX XXXX XXXX at XXXX XXXX I received a phone call from them ( I still have the voicemail. ) I sent them XXXX more letters ( attached ) which were signed via Return Receipt last MONDAY. Again, telling them to cease contact with me, and to validate the debt. Yesterday ( XXXX XXXX XXXX ) They CALLED ME AGAIN. I notified them via phone that they are not to call me. They always yell at me and do n't listen to what I have to say and hang up. I KNOW they know they are not to call me anymore but they still do so. I will, from here on out, submit a complaint into your system anytime they call me. I have attached the following ; All letters I 've sent them, the return receipt signatures, and a recording of the phone call on XXXX XXXX XXXX. ( I did let them know they were being recorded. ) I 'll also try and include screenshots of my phone calls from them since I sent them the cease contact letter. 

This company has not only failed to validate my debt, but they 've also ignored every chance I 've contacted them to cease all phone communications. Now they 're harassing people that are n't even related to me, as well as my family. 

I will, gladly provide more information if needed.