davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-29
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. (NY)

I attempted to set up a FCRA credit freeze with Transunion by going to their web site https : //www.transunion.com/credit-freeze, which directed me to a form at XXXX XXXX XXXX XXXX repeatedly filling in this form, even using different web browsers, failed, with an error page coming up asking me to contact the company. 

( The exact message was : " We are sorry, but we are unable to fulfill your request at this time. If the problem persists, please contact our Website Access Support team at XXXX '' ; I have attached a screenshot of this page. ) I had no difficulty helping my wife fill in the same form and get her credit frozen, so it appeared to be something wrong on Transunion 's end. I called the phone number at about XXXX on Thursday, XX/XX/2018 and got a completely unhelpful person who told me to do things like clearing my browser cache and to try another browser ( which I already had done. ) I then asked to speak to their supervisor, which they initially resisted doing until I insisted repeatedly. 

Around XXXX I was finally transferred to " XXXX '' ( who later told me his employee ID was XXXX and otherwise wouldn't give me any information about himself. ) XXXX told me that he had no access to any sort of tech support people and was basically unable to assist me further. He informed me that I could try sending a screenshot of the failure page to XXXX but he couldn't say whether or not this would result in anything positive occurring. 

He suggested I could also try using the Transunion credit freeze app. I immediately brought up the web page describing it on XXXX 's XXXX store. The app has a rating of 1.6 of 5 stars, and has descriptions from users like this : " Doesnt work Would be nice if this app actually worked. I downloaded it almost three weeks ago and it still says the service is unavailable and to check back later. I even called the number listed in the app and I got some customer service office overseas and they told me I wasnt even signed up. When I go through the signup process it tells me Im already signed up. From what I can tell a lot of users are having the same issue and no response from Transunion. '' See : XXXX XXXX XXXX XXXX XXXX XXXX Having read those descriptions, I then declined to download the app, since it looked like it would not be particularly productive. 

He then offered to transfer me to Transunion 's " Consumer Relations ''  department at XXXX XXXX XXXX for them to check if anything was wrong with my account that had been preventing me from using the credit freeze page. I allowed myself to be transferred to that department, which around XXXX indicated nothing was wrong with my account. They had little more to offer in the way of help, though they did suggest I could call another department that handled credit monitoring. Having spent most of an hour on the phone, I decided it might be a good idea to file a complaint.
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (VA)

XX/XX/XXXX I received a notification saying a charge was declined in the amount of XXXX at a XXXX was this you yes or no I answered no, then a notification says chime customer will call. They did I answered. While they are closing the account another notification came through saying a transaction was declined at target for XXXX, while I'm on phone with chime customer support. They assured me everything was fine my account is being monitored being that I just received this card due to fraud on my old card where someone tried to order online from the XXXX XXXX XXXX. I was told that all the transactions were out of state and the retailers were being blocked from further transactions.later on I checked my account and XXXX $ I had in checking was gone and I was negative XXXX $ XXXX filed a dispute and asked how was my new card used in XXXX XXXX Florida , and Georgia , I live in XXXX XXXX Va XXXX they said file dispute and they would see that my funds were refunded. I received an email 3 days later saying the closed the dispute and my monies would not be refunded. How can I be helped when it clearly shows fraud on my account.
Consumer complaint received 2022-07-19
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. (FL)

My name is XXXX XXXX XXXX, Consumer, and a natural person am aware of all rights that I have, and which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX  XXXX Account number : XXXX XXXX. XXXX XXXX XXXX Account : XXXX XXXX. XXXX Account : XXXX XXXX. DEPT OF EDUCATIONXXXX Account : XXXX -Original loan amount {$2600.00} DEPT OF EDUCATION/XXXX- Original loan amount {$1000.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2024-03-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: STAR ONE CREDIT UNION (CA)

Between XXXX and XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my SOCU account to fraudulent investment firm ( s ).
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. (GA)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (NY)

cant add any of my chime cards the the wallet on my XXXX i keep getting the error message when i try to link my chime debit card wallet Card Not Added contact your card issuer for more information and i contacted chime customer service about this and i still cant add my card apple wallet and also contacted XXXX About this issue and they could not fix this problem. and chime does not know how to fix this problem
Consumer complaint received 2022-08-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

Greetings, Since XX/XX/XXXX my loan was transferred to Mr.Cooper/XXXX from XXXX. In the month of XXXX my payment for the loan went to XXXX at the time as I was not aware that my loan transferred. However, the payment was send via online banking ( bill pay ) to XXXX who reported that the payment was send to Mr. Cooper/XXXX. I have supplied Mr. Cooper/XXXX with bank copies of transaction history for XXXX and XXXX that support my mortgage payment was send and processed out of my account for XX/XX/XXXX payment. Mr. Cooper/XXXX continued to report false information to FICO/credit bureau that I am behind on my payments and continues to charge me a late fee. XXXX Mortgage also confirmed that the payment in XXXX was sent to Mr. Cooper and denied any claims that I was missing any payments. XXXX has continued to mislead me as a consumer in this matter, this matter has caused great stress, anxiety and interferes with my family goals and purchasing power. 
XXXX sent to XXXX Mortgage in XXXX That payment was sent to Mr. CooperXXXX XXXX Mr. Cooper reported that payment was sent back to XXXX who denied such claim and knowledge of payment being sent. please help
Consumer complaint received 2016-03-10
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland funding is reporting a collection for an account ( Account number XXXX ) that has never been validated, has been paid off AND, has re-aged the account to do harm to me, AND is over the FCRA reporting time. This single account violates several laws including but not limited to FCRA 15 U.S.C. 1681c, US Court of Appeals, XXXX Circuit, No. XXXX, XXXX vs. XXXX XXXX, FCRA Section 623, FCRA Section 605 ( c ), FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX, and FDCPA Section 806. The account was for XXXX XXXX XXXX XXXX / XXXX. I paid XXXX off many years ago. I contacted Midland and let them know this. They ignored it. They made no attempt to validate this. Instead they show on the report that they opened a collection XX/XX/XXXX and that it was last active XX/XX/XXXX. That is false.
Consumer complaint received 2024-03-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: JPMORGAN CHASE & CO. (NC)

Hello my name is XXXX XXXX I am the Biological Heir of XXXX XXXX my XXXX died with out will I was contacted by chase mortgage about his death and his estate I contacted them with his Death certificate and my birth certificate to show that he was my biological father and chase mortgage decided to sell property after I sent them the information about his death i updated and instead of following state and federal statue codes they sold or pre foreclosed on property by using a third party debt collector who filed for a auction for property then the they talked to XXXX child about XXXX XXXX account Federal Act I the right to sell house His wife had will for her she was not co signer on XXXX XXXX Mortgage so property inherited by the next of kin when I called the bank would only talk to step child and sent pay off quote to step child The federal act they broke was GarnSt Germain Act they never let me take over payments Key Provisions of the Act Right to privacy act The Garn St. Germain Act addressed due-on-sale clauses in mortgage contracts. These clauses allowed lenders to demand full repayment when a property changed hands. The Act recognized these clauses as enforceable but introduced critical exceptions for specific situations. 

One major exception involved property inheritance. When a family member inherits a property, they can continue the deceaseds mortgage payments without refinancing. This exception is vital for heirs who might not qualify for a new loan. 
Another exception concerns joint tenants. It allows property owners to add certain family members, like a spouse or child, to the property title without triggering the mortgages full repayment. 
The Act also supports estate planning. It allows property transfers into a certain type of trust without demanding loan repayment. This is crucial for managing assets and avoiding probate. Many individuals plan to avoid the complicated and public probate process through an inter vivos trust. Also called a revocable living trust, this legal tool allows for a more accessible estate administration process for your loved ones. 
In North Carolina, these provisions streamline real estate transactions involving inherited properties. They provide clarity and financial relief for families during the transfer of ownership. 

Understanding these key provisions helps heirs and property owners plan effectively. It ensures smooth transitions in property ownership and mortgage responsibilities. You can read more about what the act did for the average American at XXXX or talk with an experienced estate planning attorney.
Consumer complaint received 2022-01-20
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXO XXXX XXXX XXXX IN ( Original Creditor : XXXX XXXX XXXX XXXX XXXXL ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  A ) XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX ) XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX
Consumer complaint received 2015-09-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (TX)

I am applying for a home loan and was asked to pay off a debt from Midland Credit Management. I reached a settlement with them and paid {$620.00} and they agreed to report it on my credit file as paid in full less the full balance. On my credit report, MCM erroneously reported on my report in the comments section that I missed a payment of XXXX. Because of this false statement, I can not get a home loan because it shows I was late on a payment.
Consumer complaint received 2016-12-08
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Ballybunion Enterprises, Inc (VA)

I used a company called Freedom Electronics as well as Freedom XXXX, I currently am still paying on both loans. My balance seems to be increasing. I took out the loan with Freedom XXXX in XX/XX/2014 and electronics in XX/XX/2014 as well. I have yet to receive a payment history of which cant be viewed online. When I asked for a payment history I receive attitude. I also checked my credit report and see nothing about this loan. A monthly statement would be nice to see what the heck my money is actually going.
Consumer complaint received 2022-01-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE
Consumer complaint received 2024-03-04
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (FL)

I tried to file and identity theft with FTC, and was redirected here to file a complaint that I have had multiple accounts opened across different financial institutions without my consent. I believe my identity may have been compromised. I have already submitted a fraud alert with all three credit bureaus.
Consumer complaint received 2022-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OH)

New Rez mortgage company phone number : XXXX Trying remove pmi. I have been denied multiple times. Mistakenly reviewed my loan as an fha loan while my loan is actually a conventional loan. Took my bpo appraisal fee and put it into escrow. Have been denied for pmi removal because I am getting refused an appriasal. There is not eta on any correction. I have left a formal complaint. 

Called in : XX/XX/XXXX for pmi removal XXXX paid XXXX for pmi removal valuation XX/XX/XXXX took my XXXX  money and placed in escrow. Refused pmi removal appriasal and I left a formal complaint XX/XX/XXXX still no progress. Seems to be unorganized and lacking any intention solve problem.
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. (GA)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I XXXX  that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2022-07-19
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. (AZ)

I am writing this letter to inform you that this account has been opened fraudulently and does not belong to me and has to be deleted immediately by law. 


account #. XXXX account name. XXXX XXXX XXXX XXXX 15 U.S.C. 1681x 15 U.S. Code 1679c
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 — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

This is an account with XXXX XXXX XXXX. The last payment dates and also the closed dates doesnt match across the board for all three credit bureaus. The amount shown that I owe is also incorrect. This account is a part of a class action lawsuit. The attorney General office of SC is a part of the lawsuit. XXXX has agreed to remove the accounts off of the consumers credit report. Not only has the account not been removed it is also reporting inaccurately. I have previously reach out and the account was updated to accurate which is incorrect. According to all three credit bureaus I owe XXXX. According to XXXX I owe XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Convergent Resources, Inc. (GA)

CONVERGENT OUTSOURCING INC IS ILLEGALLY ATTEMPTING TO COLLECT DEBT WITHOUT A LICENSE TO COLLECT IN THE STATE OF GEORGIA ON XXXX Convergent Outsourcing Inc, I am writing to formally request that your company cease and desist all debt collection activities related to the debt identified [ Original Creditor-XXXX/Account number XXXX ] . It has come to my attention that your agency is not licensed to collect debts in the state of Georgia, as required by state law. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and Georgia state law, debt collection agencies must be licensed and compliant with all regulations in the state where they are conducting collection activities. Your lack of proper licensing in Georgia prevents you from legally pursuing debt collection actions within the state. 

I demand that you immediately cease all attempts to collect debt, or any further actions related to this debt. Failure to comply with this request will result in legal action being taken against your agency. 

Please provide written confirmation that you have ceased all collection activities related to the aforementioned debt and that my request has been acknowledged. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2015-09-01
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY (TX)

I paid my credit card bill in full and was still charged interest. When I called American Express to discuss why I was charged interest, it was explained to me that they take the average credit card balance for three billing cycles and charge you interest based on that. To me, it seems like this is what we can call triple cycle billing. I thought double cycle billing was outlawed by the CARD Act? 

Thanks.
Consumer complaint received 2015-03-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (LA)

Calling my XXXX XXXX mother at all times of the day, numerous times, keeping her very upset. She does n't know what this is for. Her husband XXXX XXXX and shes not familiar with what they are calling for. The people calling barley speak XXXX and she does n't understand what they are saying.
Consumer complaint received 2024-03-07
Product: Credit 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: Chime Financial Inc (PA)

I stayed at a hotel and they charged me an extra {$200.00} fraudulently claiming damage. There wasn't any incidental charge possible I only let them charge me for the two nights stay on this credit card, chime credit builder. The first night at this hotel, I used a different card for a different bank and it included a refundable {$100.00} for incidentals that was supposed to be refunded to that XXXX account. 

They told me it would be refunded the same day when I checked out. 

I disputed the {$200.00} charge from XXXX XXXX XXXX in XXXX PA to Chime, but it was denied. 

I also will file a separate complaint because my dispute with XXXX was denied as well they refused to refund the {$100.00} incidental charge.
Consumer complaint received 2022-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I deposited my EDD California state unemployment check in my Chase checking account. It was then brought to my attention it will be placed on hold for 12 calendar days from my deposit date. My account balance have never been overdrawn and I have never bounced a check. There is absolutely no reason to hold my check for 12 calendar days. This is money I am legally entitled to during a severe pandemic. I need access to my funds that belong to me. If I had known Chase would place an unusually and unnecessarily long hold on my legitimate state check, I would have taken my business elsewhere. 

It gets worse. I was instructed by a customer service agent to call the check hold department ; option 1 to request the hold be removed sooner. I called the telephone number ( XXXX ) XXXX and was on hold for 3 hours and 20 minutes, and still never got to an agent. This is unfair business practices. If this matter is not resolved promptly, I plan on filing a formal complaint with the FTC, FDIC, my state attorney general and office of the Comptroller of currency.