davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-27
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. (IN)

After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with account listed under XXXX XXXX XXXX and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report, and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2022 there have been no updates and the account still reflect on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation have been received proving that the account belongs to me and all information is correct.
Consumer complaint received 2022-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: COLUMBIA BANKING SYSTEM, INC. (WA)

I was hacked the week of XX/XX/XXXX, reporting this incident to Columbia State Bank ( XXXX XXXX - XXXX, XXXX ), on XX/XX/XXXX, including my police report, FBI ( IC3 ) report along with all text messages and documentation of each day 's occurrence. 
* I asked XXXX about FDIC coverage for the financial loss that incurred and received no response ; also, I asked for a Currency Transaction Report ( CTR ) and received no response. I also said to her that if I didn't have online banking this situation wouldn't have occurred, inferring I didn't receive the proper protection *I asked XXXX if I could call the Fraud Dept. , she responded with " no '' we're handling this internally. 
*With XXXX XXXX help I was able to withdraw monies in order to open a new account with my new bank. 
* On XX/XX/XXXX, I withdrew my automatic DRS deposit and asked XXXX to call me and she said she would tomorrow XX/XX/XXXX, ( to this date she hasn't called ( ( it's XX/XX/XXXX ) ). 
* I'm feeling I'm being disrespected and ignored by staff members that I respected deeply by not informing me of this ongoing investigation.
Consumer complaint received 2022-07-27
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: Experian Information Solutions Inc. (TX)

I am requesting that my personal identifiers information be updated to the correct information. My first and last name is XXXX XXXX there should not be any other name on my reports. Please remove and delete them and allow my information to be updated with the correct info.
Consumer complaint received 2022-07-27
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC. (MI)

I got a title loan back in 2021 and I received {$1000.00}. On my first contact it says I'm being charged 98.60 % interest rate. I can't afford the payment XXXX a month and only XXXX goes to the payment I owe. They have been sending me new contracts but the amount and what I owe us wrong. I get another offer but the amount I got and the amount owed is not correct at all
Consumer complaint received 2022-07-27
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. (DE)

In accordance with the Fair Credit Reporting act XXXX  # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXXXXXX XXXX Collection # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX Collection # XXXX, XXXXXXXX XXXXO # XXXX has violated my rights. 

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 a account without my written instructions
Consumer complaint received 2022-07-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (MO)

I am less that 30 days behind on payment due to husband switching jobs. Payment was due on XXXX of this month it is now XXXX of same month. They have called me XXXX times in the last 7 days with number listed in complaint and XXXX times with the number restricted ( yes same company, I answered the last call and they verified ). 

I could understand if I had a history of late payments. I do not. I could understand if I were over 30 days on my payment, but I am not and will be paying the entire amount of payment and the next payment upon husbands first check at new job on the XXXX.
Consumer complaint received 2022-11-23
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. (SC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting XXXX XXXX XXXX to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$83000.00} ; XXXX SELF-REPORTED XXXX Balance : {$1.00} ; XXXX  SELF-REPORTED XXXX Balance : {$54.00} ; XXXX SELF-REPORTED XXXX Balance : {$300.00} ; XXXX SELF-REPORTED XXXX Balance : {$83.00} ; XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was notified through a credit monitoring service that someone tried too open a credit card account in my name at Bank of America. I called and they stopped the account opening. I was told to call the next day to get a report of the incident. I was told that I had to fill out an affidavit, file a police report, and send multiple forms of ID just to get this report. 

They told me that there was nothing else they could do for me. The same thing happened to me at XXXX a month ago. They simply sent me a letter for my files stating what happened and that the account wasn't opened. 

I can't understand why this is not a minimal requirement for a credit card company in case of these incidents.
Consumer complaint received 2022-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (IL)

XX/XX/XXXX XXXX XXXX my email and phone number was changed to my chime bank account 15 mi. Later my lifes savings of {$8400.00} was transferred from my savings into checking and spent on a gaming site and XXXX! I filed two police reports and have all the evidence transactions over 75 emails to the company and many phone calls. No one will help me they have denied my claims and wont close or freeze my a account! Its XX/XX/XXXX and someone is still attempting to spend thousands on my card! Im left with not a XXXX to my name and no help! Chime is a fraud! Im a victim of theft and no one will help! I want me lifes savings back!!
Consumer complaint received 2022-07-27
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK (CO)

XX/XX/2022 - I opened an online savings account with Discover. I registered for the online platform etc. 

XX/XX/2022 - I deposited a cashier 's check in the amount of {$18000.00}. This is the majority of the funds I inherited from my father upon his death, which occurred on XX/XX/2022. I opened the savings account specifically for this purpose. 

XX/XX/2022 - I'm not able to log into my account and I get an email about unusual activity on my account. I called customer service and was told by multiple people that my account was closed for no reason and that Discover was keeping my money for " up to '' 60 days. 

I have not received any additional communication and now my access to the account online has been shut off. This feels very much like bank theft - and what am I supposed to do if I need my savings?
Consumer complaint received 2022-11-23
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. (FL)

In ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 15.U.S.C 1681 SECTION 602A- STATES THAT I HAVE A RIGHT TO PRIVACY. 15.U.S.C 1681 SECTION 604A SECTION 2 - IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH An ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (VA)

Barclays closed our credit cards for no apparent reason and with no notice. We have been long term customers, have excellent credit, never missed a payment, and had a {$20000.00} credit line. Barclays has declined to reinstate our cards. I have a Barclays issued case number : XXXX. 

Credit card number : XXXX XXXX XXXX XXXX, expired XX/XX/2022.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery has reported this account to XXXX XXXX, XXXX and XXXX and they have allowed this debt to be report to my credit without verifying proper information. I have never had a legal obligation towards Portfolio Recovery, they claim they are with XXXX XXXX. I did have an account with XXXX XXXX  under XXXX which is a currently closed company that filed bankruptcy. XXXX XXXX  is already listed as a debt on my credit report and I paid this debt as a paid in full settlement agreement amount to XXXX 4 years ago. Portfolio Recovery is reporting this as a new debt on my credit in the amount of {$1900.00} stating that this account was opened 6 months which is false. Portfolio Recovery has constantly harassed and called from different numbers asking me to verify my date of birth without identifying who they are, requesting me to provide my personal information over the phone when they call me.
Consumer complaint received 2022-07-27
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: TRUIST FINANCIAL CORPORATION (IN)

I had a XXXX XXXX account and around XXXX I applied for an auto refinance loan. Then also in XXXX my phone started messing up and I had to get a new one. Then I was locked out of my email account and I haven't been able to get back into that email since. I have been locked out of most of my accounts since I just now got a new phone and new number and even a new bank account. I reported it to the FTC because I just received all these letters this past week. The address they were being sent to isn't my mailing address. My credit went from almost XXXX to XXXX. My XXXX and I are going through a XXXX but she does know my personal information by heart including my social security number which she gave to a police officer in XXXX XXXX when she was in a wreck in XXXX of last year. She told the officer she was me. I reported it to both XXXX XXXX and my insurance company that I was not driving the car when that happened. 

The companys and information.. XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. XXXX XXXX XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX. on XXXX. XXXX XXXX on XX/XX/XXXX.
Consumer complaint received 2022-07-27
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: FC HoldCo LLC (IN)

I had a XXXX XXXX account and around XXXX I applied for an auto refinance loan. Then also in XXXX my phone started messing up and I had to get a new one. Then I was locked out of my email account and I haven't been able to get back into that email since. I have been locked out of most of my accounts since I just now got a new phone and new number and even a new bank account. I reported it to the FTC because I just received all these letters this past week. The address they were being sent to isn't my mailing address. My credit went from almost XXXX to XXXX. My wife and I are going through a divorce but she does know my personal information by heart including my social security number which she gave to a police officer in XXXX XXXX when she was in a wreck in XXXX of last year. She told the officer she was me. I reported it to both XXXX XXXX and my insurance company that I was not driving the car when that happened. 

The companys and information.. Flagship Credit Acceptance on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. XXXX XXXX XXXX services on XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX on XXXX. XXXX XXXX  on XX/XX/XXXX.
Consumer complaint received 2022-07-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERINATIONAL COMMUNITY SERVICES, INC. (TN)

Loan was sold to another servicer, Amerinat. I made a payment prior to that loan being transferred. i have spent 5-6 hours on the phone with both now trying to get this cleared up. THe old servicer shows the payment and sees that it was transferred to Amernat. Amerinat is not willing to do the work to find my payment. Now they are not accepting payments on my loan as it is in arrears. My payment was made on XX/XX/XXXX in the amount of {$1600.00} to XXXX XXXX and then that payment was transferred to Amerinat on XXXX XXXX it has been over 60 days and no one is helping.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Last week my Transunion credit score dropped XXXX points without explanation, to XXXX, as reported by XXXX XXXX. 

My Transunion report shows nothing to substantiate such a drop. Numerous calls to Transunion revealed nothing. Their agents would not even confirm that a drop actually occurred, much less substantiate the reason why.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXXXXXX XXXX {$2400.00} XXXX  XXXX {$0.00} XXXX XXXX {$16000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$340.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$3300.00} ( XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$150.00} ( XXXX XXXX XXXX
Consumer complaint received 2022-07-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Zip Co US Inc. (MD)

I used the app Zip formerly known as quad pay as a third party payment processor. They issued me a reward voucher for {$20.00} and it expired on XX/XX/2021. I was not notified of this expiration in any way. I was wondering as a 1 time courtesy if it could be reinstated? However when I inquired the representatives were very condescending and trolled me with very long wait times. Seems their goal in life is to make me shout or prolong the issue because they do not know how to look up the rewards history on my account. I asked them for a list of all rewards to date and the expiration date but they were clueless how to find it. It still shows it when i log into the app. They got very nasty and demanded i take acreen shots etc. Refused to escalate or provide proper support. Your reps should be able to do the leg work looking up the rewards history, why do i need to take often unsecure screen shots? Please provide a history of all rewards to date that were offered and expiration dates. They issued me a reward voucher for {$20.00} and it expired on XX/XX/2021. I was not notified of this expiration in any way. I was wondering as a 1 time courtesy if it could be reinstated? Please answer in writing as I have a XXXX and can not respond by phone. I have been waiting 2 days for an answer from the 3 or 4 reps on online chat that refuse to escalate this to a supervisor or answer.
Consumer complaint received 2022-07-27
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, XXXX account # XXXX and XXXX/XXXX  account # XXXX, has violated my rights. 

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 a account without my written instructions.
Consumer complaint received 2022-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (TX)

My original account was compromised and to safeguard our funds, we closed and opened a new checking/savings account with PNC Bank . The original acct was checking/savings and they forced upon me a virtual wallet making it virtually impossible to manage my money. I would need two sets of ledgers to balance, when I make deposits and instruct where it should go, it gets deposited to the wrong acct. For example I set up a payroll direct deposit to checking, it ended up in savings. I am constantly having to move things to the correct account to pay bills. They are like sorry, can't go back to just chk/svgs. I would close my account except my mortgage and a personal loan are with them so I feel forced to stay. It is harder to manage things as I get older ( age XXXX ). Also even at the ATM it does not let you select checking or savings, it has you select an account number which who remembers that anyway? Now I have 5 accounts with the same lender, checking, savings, a loan, a mortgage and now a virtual wallet. It is not right to force this upon consumers. I had to transfer my paycheck on XX/XX/XXXX from svgs to chkg and when I went to bill pay the drop down for checking showed a XXXX balance on XX/XX/XXXX.
Consumer complaint received 2022-07-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Dear CFPB, In XX/XX/XXXX, I missed my first mortgage payment. However, before missing the mortgage payment I had contacted SPS ( the loan servicer ) on XX/XX/XXXX, at XXXX, and advised them, that I would not be able to make this months payment since, my work hours were drastically reduced, and overtime income was nearly eliminated, in XX/XX/XXXX, at the onset of the Covid pandemic. 
Before the pandemic, I had received consistent overtime for several years. But my income was nearly split in half. The representative said, the plan was approved and that she would send me a confirmation letter. I received the confirmation/Forbearance Plan letter on XX/XX/XXXX. 
Once my hours increased ( back to normal ), in XX/XX/XXXX, I resumed making the full mortgage payment. I have not been more than 30 days late on my mortgage payment since then. 
I am asking for SPS to please defer my mortgage payment and finalize any loan modification or deferral plan. I am diligently working to provide SPS with the financial documents, BUT every single time, they're saying they did NOT receive the documents I provided. They say there is an assigned relationship manager, but I never get to speak to him. it is always someone different, and they also give me different responses. I am frustrated and scared that this situation will not be resolved. Please help me save my home.
Consumer complaint received 2022-07-27
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX and XXXX XXXX account # XXXX, has violated my rights. 

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 a account without my written instructions.