davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (PA)

We received an escrow statement dated XX/XX/ stating that our monthly payment would be increasing by approximately {$200.00} per month this year, beginningin XXXX I called to find out what the reason for the significant increase was and was told that the value of my home had increased and therefore my predicted taxes were increasing. When I told the representative that my taxes have never increased that much and wanted to know the basis of the calculation, I was told " they have a formula '' and the burden of proving a less significant increase in this year 's coming taxes was on me. This then prompted me to make several phone calls to my local township, XXXX XXXX XXXX and the XXXX XXXX Tax Assessor. My property has not been reassessed. Today I spoke to XXXX on PHH 's Escalation Team and realized that my increase is due to an escrow mistake where PHH underestimated my local township taxes last year by over {$1000.00}. When I asked if my {$200.00} monthly increase is due to making up for last year 's miscalculation, he would not give me a yes or no answer and offered no apology. Many consumers can not afford a sudden and significant increase in payment with approximately 6 weeks notice and that may cause significant financial hardships. PHH knew of the error in XXXX and legally, I believe that we should have been contacted within 30 days of the error regarding correction options at that time.
Consumer complaint received 2023-12-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (TX)

I woke up XX/XX/31 to emails stating my account has been closed due to the account is not in compliance with terms and agreements. I tried speaking with someone and they claim they cant assist via phone i have to email support for help. Support is not just one person so if I'm being assisted with one person if i send another email it goes to someone new and i have to start all over again. They claim they needed to verify my last deposits i sent them the receipts of the store i went to reload my card in cash along with my ID. I've done this 7 or 8 times so far. They are not giving me a reason or what is wrong that my account was closed i had XXXX in the account. It has been 30days passed and now They're holding my money hostage and i really believe its most of the agents that are overseas do not know what they're doing. Now i need to find legal console or if submitting here will even work out.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Waypoint Resource Group, LLC (MN)

I XXXX XXXX XXXX ( XXXX ) requested that XXXX and XXXX remove this account from my credit consumer report via certified mail number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX contact number XXXX to send me the original contract that shows that I have a contract with this company and provided my wet ink signature showing that I have entered into a contract for this company to collect any debt. this company is in several USC violations for false reporting USC 15-6802, Title 18 USC 241 , UCC 9-210 15 USC 1681, 15 USC 1601
Consumer complaint received 2023-08-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (LA)

I had an issue with my bank card and canceled it. I realized that I had a deposit coming in and wanted to call Chime and asked make sure that it was not gon na affect my deposit coming in so I looked on XXXX and found Chime customer support and called the number that was advertised on XXXX. The gentleman that answered the phone actually said job support and how can I help you and went through the process of asking questions that was very legitimate sounding stuff to walk me through the steps to make sure that I was who I said I was made me believe everything was legitimate and that I was in good hands with the support team. as the conversation went on he had me download an app on my phone so he can mirror my phone which Im the XXXX fool yes but Ive reported this to my real Chime bank and explain to them the situation they filed a dispute but they denied the dispute and they didnt give me a reason why they just said they were not the first they said they were going to cover the money that I would get reimbursed for it that I was covered because it was an authorized transfer and then I guess they decided that they werent going to take care of it and I feel like Ive been done wrong but I feel like they should cover it because I did not authorize this money to be transferred into someone elses account its {$540.00} that I didnt have to send somebody to rip me offAnd theyre advertising on XXXX which is supposed to be from what I understand a safe site to go to define what information I need to search the web and do what I need to do I feel like something needs to be done to ensure that people are not getting scammed by these people and I feel like Ive been let down
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (MI)

In accordance with the fair credit Reporting act XXXX has violated my rights. Furthermore ; 15 USC 1681 Section 602 States I have the right to privacy. Followed by 15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for a purpose. I XXXX XXXX XXXX would like for this late payments to be removed immediately. Thank you!
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Called up Experian to correct my first and last name which have changed when I got XXXX. They were unable to provide a process by which I am able to submit documents online to correct the name on my report. XXXX was able to update my personal information after getting a scan of my passport ( for id proof ) and updated ssn card. Experian requires me to send sensitive documents over mail which I am unwilling to do. 

I did not provide experian any documents for them to open a file/account for me. They should have a mechanism to get updated information from the lenders who already have my updated information. 

I intend to start opening complaints on this issue with the cfpb more frequently until this issue is resolved.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 

XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ALLY FINANCIAL INC. (NC)

Several companies and credit card companies have kept old information on my credit report even though it has been well over 7 years since the debt occurred and the accounts were closed.

XXXX XXXX Credit Card opened on XX/XX/XXXX has been closed for years but is still showing on my credit report as owing {$1400.00}.

XXXX XXXX   opened XX/XX/XXXX has been closed for years and still is showing on my credit report as owing {$890.00}.

XXXX XXXX XXXX XXXX is showing 9 different accounts on my credit reports and open XX/XX/XXXX and closed over 7 years ago and still showing I owe {$1700.00}.

Ally Financial ( unpaid car loan ) was closed over 7 years ago but they keep sending the debt to new collection agencies and thus lowering my credit score and adding negative debt in the amount of {$23000.00}.

There is also fraudulent activity on my credit reports and I have filed police reports with the XXXX  NC Police Department and charges have been filed against the person responsible for the fraudulent activity and opening of accounts with my personal information.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX : XX/XX/XXXX todays date : XX/XX/XXXX RE : Investigation Request to Delete fraudulent account To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : 1. { Creditor Name } XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) { ac # } XXXX { Reason for Dispute } fraudulent/ not my account or debt INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : XXXX. { XXXX XXXX } XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX XXXX  { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX  XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX XXXX  { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } cXXXX XXXX XXXX  { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX XXXX XXXX  { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { XXXX XXXX } XXXX XXXX XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { Creditor Name } XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { Creditor Name } XXXXXXXX XXXX  XXXX { inquiry date } XX/XX/XXXX I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results Truly, XXXX XXXX XXXX
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Called XXXX XXXX on XX/XX/23 requesting documentation that proves I had an account with them. They were not able to provide the information. The XXXX representative stated I have to contact the collections agency. I contacted the collections agency to provide a letter with all detail information proving this account belongs to me and I have not received a letter yet.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

i had an auto loan XXXX for a XXXX XXXX XXXX XXXX XXXX. vehichle was stolen while i was out of town at a car show. shortly after the vehicle was stolen, covid hit in early XXXX so not only was i not able to work due to a national shut down for the pandemic, but the insurance company shut down as well, so they were unable to pay the balance of the loan in a timely manner. however, when they reopened, they paid off the balance of the loan but XXXX had already put the account in collections and refused to changed it.
Consumer complaint received 2023-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MN)

I had a deposited check returned. I made another deposit to cover funds so I do not acquire additional fees. When I made the deposit, I received an email message that XXXX would be available the next day and the following XXXX on the XXXX. This morning I checked my messages in my bank account that said all funds would not be available until to the XXXX. I called and was given a supervisor who told me there was nothing they could do. I was angry. Additionally, I was never sent a message letting me know the first check was returned which they resubmitted and has cleared the issuing bank. Wells Fargo has yet to credit my account regardless of the cleared check. I will continue to incur charges because of this. 

Wells Fargo has played games with my mortgage, opened a fraudulent checking account in my name, sent me a letter asking if I received a check they never sent, and now this. At this point, their treatment screams abuse and shows their lack of concern or care for their customers.
Consumer complaint received 2023-12-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

After reviewing my credit report, I have identified several accounts that I have no knowledge of, and they appear to be the result of fraudulent activity. I have previously disputed these accounts, yet they persist on my credit report without valid proof or verification. 
Account Information : XXXX XXXX XXXX XXXX XXXX  PLEASE DELETE!!! 
I want to emphasize that I have no knowledge of these accounts, and they are likely the result of identity theft or fraudulent activity. I previously disputed these accounts, but they remain on my credit report without proper validation. 
I kindly request that you conduct a thorough and immediate investigation into the validity of these accounts in accordance with the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

I am writing to dispute four inquiries on my Experian credit report that I believe are fraudulent. These inquiries have negatively impacted my credit profile, and I request that they be thoroughly investigated and removed from my credit report as soon as possible. 
The details of the disputed inquiries are as follows : 1. Inquiry by XXXX XXXXXXXX XXXX  on XX/XX/XXXX 2. Inquiry by XXXX XXXX XXXX on XX/XX/XXXX 3. Inquiry by XXXX XXXX XXXX on XX/XX/XXXXXXXX 4. Inquiry by XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXXXXXX XXXX XXXX  I have no knowledge of authorizing or applying for credit with XXXX XXXX XXXX or XXXX XXXX XXXX on the specified dates. These inquiries do not correspond to any legitimate credit applications made by me, and I have not initiated any new credit relationships with these institutions during the stated periods. 

Due to the fraudulent nature of these inquiries, I am concerned about potential identity theft or fraudulent activity on my credit report. I have taken immediate steps to secure my personal information and have placed a freeze on my credit with the major credit bureaus to prevent further unauthorized access. 

I kindly request a thorough investigation into these inquiries to determine their legitimacy. Please provide me with any supporting documentation or information that may have led to the inclusion of these inquiries on my credit report. 

Furthermore, I request that Experian take the necessary actions to remove these fraudulent inquiries from my credit report, as they are affecting my creditworthiness and financial standing. I understand that the Fair Credit Reporting Act ( FCRA ) requires accurate and fair reporting, and these inquiries do not meet those criteria. 

Please inform me of the results of your investigation and any actions taken to address this dispute. I can be reached at XXXX if you require any additional information or documentation from my end. 

Thank you for your prompt attention to this matter. I look forward to a timely resolution of this dispute and the removal of these fraudulent inquiries from my Experian credit report.
Consumer complaint received 2023-09-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (NV)

To Whom It May Concern, I am writing to file a formal complaint against Square Inc. regarding their unethical and potentially illegal actions in relation to a recent ACH transaction totaling {$5500.00}. This transaction occurred on XX/XX/ and was my first experience with Square as a payment processing company. Regrettably, it has been nothing short of a nightmare. 

I initiated a {$5500.00} ACH transaction through Square 's platform. To my astonishment, immediately after the transaction, my Square account was inexplicably deactivated, and I was left in the dark about the status of my funds. I contacted Square 's customer service department immediately to seek clarification and resolution. 

My initial contact with Square 's customer service was disappointing and unprofessional. The representatives I spoke with displayed a complete lack of empathy and professionalism. They failed to provide any concrete information about the reason for my account deactivation and the status of my funds. Instead, they assured me that " management would call [ me ] within 2 business days to resolve the issue. '' However, as the days turned into a week, I heard nothing from Square 's management or anyone else from the company. Frustrated and concerned about the safety of my funds, I attempted to follow up with Square multiple times. On each occasion, the customer service representatives were unhelpful and, shockingly, even hung up on me without any explanation. 

The condu

ct of Square Inc. in this matter is not only unacceptable but also potentially in violation of federal regulations governing ACH transfers. By deactivating my account and withholding my funds without any reasonable explanation or avenue for resolution, Square has demonstrated a blatant disregard for ethical business practices and consumer rights. I believe that this behavior may constitute an unfair and deceptive trade practice. I kindly request the Consumer Finance Bureau to investigate this matter thoroughly and take appropriate action against Square Inc. to en
sure that they adhere to ethical and legal standards in their business operations.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Unauthorized and unlawful credit utilization and late payments Transactions and experiences are illegal to report ( 15 U.S. Code 1681a - Definitions ; rules of construction XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

Prohibition ( A ) Reporting information with actual knowledge of errors 15USC 1681A 2 ( A ) ( I ) -EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s-3 pf this title, any- ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2023-12-07
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: CDS Debt Relief, LLC (OH)

XXXX I contact the company by phone and email. They took funds out of my account after the agreement was to hold the payment until the next. They said they will refund money! I said okay until they said by XXXX  payment thats when I realized this is a scam company that called my phone and lied to me about being a debt consolidation company. Cdsfinancial Or XXXX XXXX
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION (NY)

Regional Acceptance ( Bank ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX credit inquiries that were not authorized by me. 

XXXX XXXX  XXXX XX/XX/XXXX This inquiry is 22 days away from it been 24 months and would like to start the process of removal.
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (IL)

On XX/XX/2023 I ordered a XXXX lb bucket of chlorine tablets from an on line company at XXXX. I received an order confirmation for {$61.00}. On XX/XX/XXXX I received an email with the tracking number for the order. The order was supposedly delivered XX/XX/XXXX. Since I was expecting it that day I paid careful attention, and nothing was delivered to my house. I contacted the post office and found out that that tracking number was delivered on the day it said, but to an address across town, and the weight of the package was XXXX oz., so it could not have been my XXXX lb bucket of chlorine tablets. I contacted my credit card company and filed a dispute. I was required to fax the info to them as they would not accept it by email. They denied my claim and told me to contact the company I had ordered it from. I tried multiple times to email them but received no response. I tried to explain to the credit card company that the company I ordered from was fraudulent and that the tracking info they sent me was fraudulent. I sent then a copy of the email from the post office showing the address it was delivered to and the weight but they still refused my dispute. I have refused to pay them the {$61.00} and they have added a late charge each month and reported the account as delinquent and will soon turn it over for collection
Consumer complaint received 2023-07-02
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX 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