davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

XXXX and XXXX of XXXX  were the worst months of my life. I lost my wallet while out shopping at a grocery store, XXXX XXXX located at XXXX XXXX XXXX XXXX ca XXXX. During my visit I somehow proceeded to leave my whole wallet. Inside the wallet included my physical XXXX  drivers license, my social security card, a copy of my birth certificate, my personal medical card, & XXXX XXXX XXXX XXXX I was not able to obtain back any of my personal information. Thus has caused me to be a victim of identity fraud, Ive had fraudsters try to open up more bank accounts in my name, unfortunately they were successful when opening a XXXX  XXXX XXXX XXXX  account On the date XXXX XXXX for a limit of {$3000.00}. The reported balance now is a complete total of {$3600.00}. I have absolutely no knowledge of this account and I believe that they arent finished just yet. My whole identity was stolen, this has been a constant burden on myself and my family, not knowing when my name will be used without my knowledge or permission isnt a way to live.
Consumer complaint received 2019-01-12
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. (OH)

According to my recent credit report request from XXXX  there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX, CA XXXX THIS ADDRESS DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX   THIS ADDRESS DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX THIS ADDRESS DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY CREDIT REPORT EMPLOYMENT INFO XXXX XXXX XXXX THIS IS NOT MY EMPLOYER AND NEVER WAS PLEASE REMOVE THIS OFF MY CREDIT REPORT MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX USA
Consumer complaint received 2023-12-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (SC)

Date XX/XX/2023 Alleged account number XXXX. 
Per the FCRA as a federally protected consumer I am now opting out ( rescinding ) of any and all authorization, I the consumer may have given you ; written and unwritten, verbal and nonverbal per 15 USC 6802. Effective immediately and indefinitely.
Consumer complaint received 2023-12-11
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. (GA)

An XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( PII ) personal and company information from my XXXX XXXX after being told his services were no longer needed due to deceitfulness, dishonesty and poor attitude on multiple resulting from multiple scenarios. XXXX stated the words that I was not going to eat ( gain financial wealth of positives ) while in his face. XXXX also stated that he has all of my information etc. Multiple trackings of notes and complaints have also been kept for account reconciliations and the security of my wellbeing. Contacted the authorities of XXXX Police Department and XXXX XXXX Ga and placed a police report. An arrest was made earlier this year 2023 in XXXX XXXX Ga for XXXX XXXX XXXX from a high speed chase. Some information was recovered however, my personal and company 's information as well the info of some of my clients.
Consumer complaint received 2023-12-08
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION (NC)

On XX/XX/XXXX a payoff statement was obtained from Truist bank showing a payoff amt of {$250000.00} with a payoff date of XX/XX/XXXX ; with a per diem interest charge of {$59.00}. 

The loan was paid off on XX/XX/XXXX by means of a wire transfer in the amount of {$250000.00} The additional interest due to Truist from XX/XX/XXXX ( date of payoff statement ) to XX/XX/XXXX ( when loan was paid off ) should be {$1100.00} ( i.e. {$59.00} per diem x XXXX calendar days ). 

Prior to the XX/XX/XXXX payoff, when the regular monthly payment was due, on XX/XX/XXXX I paid Truist {$1800.00}. 

On XX/XX/XXXX Truist credited me {$1800.00} So the amount of credit anticipated to be refunded back from Truist would be {$1800.00} as follows : Payoff amount as of XX/XX/XXXX : {$250000.00} ; Additional Interest per diem from XX/XX/XXXX XX/XX/XXXX : {$1100.00} ; Regular monthly XXXX paid on XX/XX/XXXX toward loan repayment : {$1800.00} ; Total XXXX due to Truist for payoff : {$250000.00} ( i.e. {$250000.00} + {$1100.00} - {$1800.00} ) ; Payoff amount wired to Truist on XX/XX/XXXX : {$250000.00} ; Additional amount in payoff ( which should have been credited to me ) : {$1800.00} ( i.e. {$250000.00} - {$250000.00} ) ; However, since Truist only credited me {$1800.00}, the amount Truist still owes me is {$23.00} ( i.e. {$1800.00} - {$1800.00} ) I went to the bank the very next day after they credited me {$1800.00} because I immediately recognized the error. The local branch said they would submit the request to their Home Equity Line Of Credit Department and get back to me in a week. I did not hear from them. So XXXX weeks later ( around XX/XX/XXXX ) I went back to the local branch and they had no further information for me, simply saying they submitted the claim for review. 

As of this writing I have not heard back from Truist, nor have I received the {$23.00} owed to me.
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Between the dates of XX/XX/XXXX and XX/XX/XXXX, my Wells Fargo account/ accounts was closed making it impossible to pay the following : my XXXX XXXX credit card payment, my student loan dispersion totaling XXXX per disbursement I had XXXX dollars already sitting in checking account I could not pay XXXX payday loan amount XXXX due to account closer Deposited money orders in amount of XXXX was froze was told it was fake when they werent I was in rolled in a identity theft affinion product with out my consent as a result of All of this I became homeless could not pay because my money was froze I failed to pay my tuition disbursements stopping me from continuing college that year Im seeking damages XXXX dollars for damages and for pain and grief I would like to resolve this with them before legal action is taken
Consumer complaint received 2023-12-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

Applied for SAVE XX/XX/2023. Advised by Student Aid department that application would take XXXX days. Application approved XX/XX/2023. Received mail from MOHELA confirming application had processed successfully and application had entered SAVE repayment. Setup auto debit online - confirmed due date with first payment in XXXX. 
Reviewed website XX/XX/2023 - loans now placed in Forbearance. Call center first told me it was due to natural disaster is state for which I was not affected - XXXX minutes later, phone representative says it is a processing forbearance and they will charge me for the interest. 
Application had already been approved, auto debit had been approved, mail received confirming due date in XXXX in early XXXX. MOHELA  is unable to confirm info due to long wait lines but I did not consent to this forbearance and it is predatory after I had been informed everything was set for my SAVE enrollment.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified the following hard inquiries that I know are inaccurate and should be removed : XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I received XXXX hard inquiries on my Experian credit card profile from one XXXX credit card application. The XXXX inquiries are listed below : XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX DE, XXXX Credit card with 0 Months repayment terms. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX Credit card with 0 Months repayment terms. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

There was a problem with address verification on the initial application on XX/XX/XXXX. I had to submit documentation multiple times through XXXX 's portal and docusign. Then no one from XXXX would review the documentation until I called back. 
Eventually I was approved on XX/XX/XXXX for the card after only providing my IRS XXXX confirmation letter. However, this had already been supplied on XX/XX/XXXX per XXXX records. As a result, I should have been approved for the card within XXXX  days of the initial application date of XX/XX/XXXX, therefore only resulting in one hard pull. Please remove one of the duplicate hard pulls.

I tried to resolve the matter directly with XXXX, and their reprensentative said " hard pulls are not necessarily bad '' ( This is a completely false statement as hard pulls always result in a person 's credit score declining which is objectionally " bad ''. ). XXXX also stated they have the right to pull my credit report as many times as necessary which doesn't seem right.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

Over the last 4 years I began building credit, but have not been frequently checking and finding ways to improve my credit. Over the last 2 years, I found numerous accounts showing up and no resolution to these accounts. I also noticed improper reporting on one account that was mine. I tried to take action to this back in XX/XX/, but haven't had any luck with these accounts. I reached out via email to all 3 credit bureaus, but they have failed to provide any documentation to me at this point, or solution. It is a long and tiresome process that is difficult on my family, as I can not help with approval for a new home at this point.
Consumer complaint received 2019-03-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (AZ)

On XX/XX/2019 I did a second mortgage search, Quicken Loans have paid ads in the search results that claim you can do a second mortgage with them. They have you fill out all the information acting like you are getting a second mortgage, pull your credit and then tell you they only have first mortgages. Then they have a high pressure sales person call you while you are still viewing the mortgage rates, wondering why there is no second mortgage rates. I have a 3.25 % first mortgage and wanted to redo the second mortgage which is at 7.25 %. " XXXX '' tried to pressure me into redoing my first mortgage which is not only completely unethical, but makes no financial sense and is completely not in my best interest. It is truly sad that these types of tactics can still exist after what occurred in the mortgage meltdown. He would not let me talk or ask questions and just tried to berate me into redoing my first mortgage. I had to raise my voice to get him to stop. I told him, " I was in the business for 10 years, it is not in my best interest to redo the first mortgage and I don't want to touch my first mortgage. Can you do a second mortgage or not? '' He said " No, good luck. '' and hung up on me. Complete bait and switch tactics as they are advertising a product they do not even offer.
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MI)

XX/XX/2023, I was attempting to dispute a charge I made on XX/XX/2023, with XXXX XXXX in the amount of {$100.00}. ( This initial dispute was due to me never receiving the tracking number or any kind of correspondence from the XXXX XXXX ). I tried to XXXX the Chime Support number and there was a fake Chime website with a fake number ( XXXX ). When contacting this number a woman answered, and I was explaining that I wanted to dispute a charge. I couldn't understand the woman due to her thick accent. After being on the line for XXXX minutes, I just hung up. I called a friend and was told that I could dispute the charge on the Chime website. I went on to dispute the charge on the Chime website and went on about my day. About an hour later, I received a call back from multiple numbers ( XXXX and XXXX ). When I finally answered, a guy who said his name was XXXX XXXX, stated he was calling in regard to my dispute. He stated that he wanted to do some further investigation on the dispute because he saw that someone was attempting to hack into my acct. He asked that I download an app called " Any Desk ''. He stated that he wanted to walk me through steps to lock the account so that I couldn't be scammed. He sent over a code for me to accept and once I accepted the code, he was able to get into my cash app and send himself {$990.00} to a card ending in XXXX ( this card is not mine ) then turned around and sent himself another {$650.00} on my chime " pay people '' to an email ( XXXX ). I have absolutely no access to this email or this card ending in XXXX. I've filed a dispute ( XXXX and XXXX ) and I'm currently on my XXXX rebuttal. I'm asking for help with my dispute. I filed a police report today, XX/XX/2023. I have to wait until Monday, XX/XX/2023, to receive the actual hard copy, but I do have a card with the report number ( XXXX ). Filed police report at the XXXX police station with a XXXX XXXX ext. XXXX. Thanks for your time
Consumer complaint received 2021-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TN)

I recently received a copy of my Equifax credit report. They are showing an incorrect listing on my credit file. It may belong to someone with a similar name but it does not belong to me. I have had a problem with identity theft before. That is the reason that I placed a freeze on any and all of my personal information from any outlet that I could. I disputed this listing and Equifax did not follow the law. 
1. They did not complete their investigation within the 30 day period allowed by law. You will see this proof with copies of the dated letter I mailed them and the dated response from them. 
2. Equifax blatantly lied about their investigation process and findings when they claimed they verified this listing with the XXXX County Register of Deeds, XXXX County Bankruptcy Court, and with XXXX XXXX. 
XXXX. I have a letter from the XXXX County Bankruptcy XXXX and XXXX of Deeds stating that they in fact have not and do not ever verify public records information with anyone. 
XXXX. I have a copy of a letter from XXXX XXXX showing where my security freeze has been in place well before Equifax claimed to investigate the listing. Therefore, they lied about receiving any information from XXXX XXXX.
Consumer complaint received 2023-08-24
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 (PA)

I bank with Chime. I followed them on instagram where they have a ton of followers. Someone from the page said that Chime is doing a sweepstakes and listed the ways you have to qualify. I did what they asked which was name 2 reason you deserve the {$1000.00}, follow the page and post on my own page. When i didnt that someone directed messaged me saying i won and to verify my account. They sent a link that asked minor questions ( my cash tag, phone number, name? ). Of course i didnt see the money deposited, and just thought it was another scam i dodge to discover 3 days later, on my pay day someone sending themselves money. I contacted chime support and it took them 3 long days to deny my claim. When i asked to speak to a supervisor they informed me there may be no use in speaking to them, set up a call back with a supervisor that suppose to take 4 hours and than ended the conversation before i could get a word out. They also mentioned after this situation on the official site that they would never text you or even talk through another app all their conversation are held through chime.
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. (TX)

I am writing to DEMAND removal of XXXXDEPTEDXXXX XXXX XXXX XXXX XXXX XXXX from my report. this is a violation of XXXX usc XXXX ( a ) XXXX and my right to privacy. 
I will be forced to notify the CFPB & the FTC of violations of both my rights as a consumer and your obligations as a consumer reporting agency. I require XXXX XXXX dollars and no cents ( {$1000.00} ) per day if this reporting continues. 15 usc 1681a ( 2 ) a ( i ) clearly states transactions are to be excluded from the report. I would like all further reports to reflect this. I have no contract with TRANSUNION, XXXX, XXXX, any sharing of my private information, my non public personal information, my financial information, medical information is a violation of not only the FCRA but also HIPPA, GLBA.
Consumer complaint received 2023-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

I opened an account with FNB ( https : //www.fnb-online.com/ ) and funded my account with the required minimum. After opening the account, two issues arose : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Day 1 : The required minimum ( {$50.00} ) didn't show up in my account or as pending, which is fine, but I called support ( chat was also available but was taking a while to move up in line ). Prior to being able to access support, I was asked about a pin number that I hadn't set, somehow I got past it but I'm not really sure what I did. The CSR said I should have put the last 4 of my social in, but I wasn't directed to do so in the call, I think I hit XXXX # and just hoped it gave me an agent. I ended up asking the CSR about if my funds were showing up and she told me there was nothing pending and I'd have to resubmit the deposit. I went to link my bank and it said to check back in 1-2 business days after the small deposits were made to verify, which is also fine. The next day ( today ) I logged into my other bank to see that the {$50.00} was debited, so I'm not sure why the CSR didn't have access to that confirmation at all.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Day 2 : I went to log into the account and was met with a form asking for the last 8 digits of my debit card, which of course I have not received since it's barely been 24 hours. I called the bank 's support and provided my SSN, DOB, Address, DL # in order to verify identity, which is another thing that is fine, but that's because I didn't have the account number or debit card # which is locked behind the bank 's login that I can't access one day after opening the account. The CSR today recommended I go to a branch and get a temporary card in order to log in, but that the closest branch is 30 miles outside of the city I live in, so they ended up recommending that I wait until the debit card gets here. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Both customer support reps were great and easy to talk to but it seems like there is a large communication issue at FNB and also too many hoops to jump through for things that other banks do not have issues with. The CSR I spoke to today ( Day 2 ) said I'm " definitely not the only person '' to have this issue and that my feedback about it being unreasonable would be passed along, though I doubt anything will be done if this is an ongoing issue.