davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

I requested 5/3 Bank to wire my savings to XXXX 3 weeks ago. The transaction was not successful since the money never showed up on my other account. But 5/3 doesnt know where the money is. Theyre trying to track it but still nothing after 3 weeks!! I have provided them with all the documentation but not even a partial credit has been given to my savings account.
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

I have tried to fix incorrect information on my credit report from all three credit Bureaus Equifax, XXXX and XXXX months ago and many incorrect information is still being reported on my report for some time now which is very damaging to my name, reputation, character and my credit worthiness. I have been denied credit many times and have had high rates with Loans due to my credit reports having inaccurate information which puts me at a frustrating point to struggle to do any form of business or personal matters. 

There are multiple different names and multiple un-mailable addresses and wrong phone numbers and charge offs reported on my report which according the IRS publication charge offs are INCOME and must not be reported on any credit report but its is on mine I have uploaded two of my reports I can't upload all three website state too much file but you can see from my credit report many inaccuracy
Consumer complaint received 2023-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (NC)

I received a direct deposit of XXXX on XX/XX/23. Chime bank closed my account for insufficient funds on XX/XX/23 with {$310.00} in my credit account. With no email or notification on the account closing. They said they will be mailing me a check which takes 30 days to receive to the address I dont live at anymore. I been calling for 24 hours. They refuse to update the address or send me my money back to me. They stole funds that I worked for from my job. Rent is due tomorrow! And I have {$310.00} gone!! Im so mad! They will only contact through email. No one on the company is trained enough to update the address to to transfer funds to an external account. I just came from being homeless in XXXX. To get into another apartment and have to wait 30 days for my check will make me homeless again!
Consumer complaint received 2023-04-19
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: Experian Information Solutions Inc. (AL)

I recently reviewed my credit report and found unauthorized inquiries. 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete Inquiry : 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-19
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. (NY)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXX XXXX XXXX Balance : {$9100.00}, XXXX XXXX Date XXXX XXXX : {$8600.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5600.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9100.00}, XXXX XXXX Date XXXX Balance : {$10000.00}, XXXX XXXX Date XXXX XXXX : {$3600.00}, XXXX XXXX Date XXXX Balance : {$2300.00}, XXXX XXXX Date XXXX Balance : {$6100.00}
Consumer complaint received 2023-04-19
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. (NJ)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Company name : XXXX XXXX, Account # XXXX Company name : XXXX XXXX, Account # XXXX Company name : XXXX XXXX, Account # XXXX Company name : XXXX XXXX, Account # XXXX Company name : DEPT OF EDXXXX, Account # XXXX Company name : DEPT OF EDXXXX  Account # XXXX Company name : XXXX XXXX XXXX XXXX XXXX, Account # XXXX Company name : XXXX XXXX XXXX, Account XXXX XXXX Company name XXXX XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX Company name : XXXX XXXX In Co 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/2022 I received a call from XXXX. When I answered, no one spoke so I hung up. After doing some research, I discovered that the call was from Synchrony Bank -- the bank connected to my Amazon XXXX credit card. I became suspicious about this call as I previously had a problem with Amazon 's method of security ( complaint # XXXX at FTC ) and decided to check on my Amazon credit card connected to this bank. When I checked, I discovered that Synchrony Bank had placed an incorrect balance of {$240.00} on my account. I requested " chat '' and tried to explain what was happening. The " chat '' could not understand what I was trying to say and contacted a Synchrony Representative by chat to no avail. I then called Synchrony and spoke to representative XXXX. XXXX understood my concern and forwarded me to a " higher up '' representative, XXXX. I explained my concern to XXXX who told me that the reason that my balance was {$240.00} was because Synchrony did not recognize the bank that I made payments from and because of this, late fees were charged. I don't understand " why '' Synchrony did not recognized XXXX  XXXX XXXX as during the month of XXXX, I made a payment of {$30.00} through XXXX  XXXX XXXX. This seems like an excuse to return the payment " as unrecognizable bank '' and then charge the customer a late fee. I then explained to her that I have been making my credit card payments on time since XXXX and had my paper statements in front of me to prove it. I then clarified to XXXX the exact due dates for my credit card payments in the months of XXXX and XXXX along with the exact payment dates made -- both payments were made on time. XXXX 's payment was made on XX/XX/XXXX, although the payment was not due until the XXXX. XXXX 's payment was made on the XXXX although it was due on the XXXX. Each payment posted. After explaining this, XXXX immediately hung up without explanation. 
The balance on my account for XXXX was XXXX. I made a payment through XXXX  XXXX XXXX 's bill pay for {$30.00}. I made more purchases after this payment was made totaling {$88.00}. The balance for XXXX was XXXX. I then made a payment on through their online system in the amount of {$29.00}. After this payment was made, I then made two more purchases in the amount of {$86.00}. My balance should be approximately {$180.00}. But due to their calculated " late fees '' it has increased my balance to a significant amount of {$240.00} which is very incorrect, and they refuse to correct this information on my Amazon/Synchrony account. I also have another account with Synchrony Bank through another credit card and have never had a problem. But with Amazon, if I may be truthful, it seems like there are a bunch of scammers in charge of customer accounts. They are constantly tampering with my account.
Consumer complaint received 2023-04-19
Product: Vehicle loan or lease — Loan
Issue: Problem with fraud alerts or security freezes — 
Company: TMX Finance LLC (TX)

I XXXX XXXX have a current loan agreement with title max on my auto loan, I just received a notice via mail XX/XX/XXXX stating about the data breach title max had received, that triggered me to then pull up my credit report to see my identity had been " stolen '' as there was a loan from this past year that I know forsure I did not receive or apply for, as i had been working to build my credit score in the recent year my score was almost XXXX, and now with my identity getting used by someone other than me I have now an unpaid loan on credit report which has now dropped my credit score to the low XXXX, I am extremely disappointed with title max, maybe if I would have received the news about the data breach maybe I then could of caught the fraudulent use of my identity. 
Also another complaint I am having is XXXX was the amount they lend me in XX/XX/XXXX, today I am still at a balance of XXXX as my payments mthy have been XXXX to XXXX mthly, I feel as the interest and fees I received make it impossible to even retrieve my title back as I have been repo in the past that was XXXX to retrieve my vehicle back, XX/XX/XXXX as I just got another repo XX/XX/XXXX with a balance of XXXX to retrieve my vehicle.
Consumer complaint received 2023-04-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC (CO)

I bought a XXXX XXXX XXXX in XXXX, CO. It was financed by Westlake Financial. I was doing payments but I missed XXXX, XX/XX/XXXX, and until today 3 days of XXXX a total of 62 days default. The company kept blowing up my phone with robocalls and generic emails asking me to contact collections. The pre-recorded voicemail calls used different phone numbers and it was impossible to know the source. The last email was received on XX/XX/XXXX. I talked to them in XX/XX/XXXX and let them know I did not have a job and it was in hardship conditions. On XX/XX/XXXX I went outside and the car was gone. I called XXXX XXXX Police, I thought the car was stolen or towed. The police said the car went to a repo. Westlake Financial did not notify me or gave me a notice of default, just generic emails with fake offers to extend payment. I called Westlake Financial multiple times to figure out the situation. They rudely demanded full payment, plus repossession fees and storage payment for a total of {$1300.00}, then they lowered it to {$1100.00}. I signed in to my Westlake Financial account and the past amount due is {$760.00}. They repossessed the car without notice and they are forcing me to pay repossession expenses without any written notice. They refused to tell me where the car is stored but the phone number and name of the company. I emailed customer care about unlawful repossession and they did not answer it. They are perpetrating unfair debt practices. Supervisor XXXX was rude over the phone and demanded to pay immediately or he will keep adding storage fees until I pay them. All these are verbal, and nothing is reflected on the ledger or loan statement. Those repossession fees are not charged to my account and they just keep giving me inaccurate balances to cover repossession when I call them.
Consumer complaint received 2022-10-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

Second Filing. XXXX was done and not reviewed by the CFPB. 

I have contacted Mr. Cooper on several occassions. They are holding almost double the oustanding balance of the loan and have cost me substantially because I didn't have the money to pay a deposit for repairs. XXXX XXXX Loan Number XXXX Balance approximately {$72000.00} Holding insurance amount over {$120000.00} They will not send documentation as to what provision allows them to hold this money, they will not respond with written correspondence and they will not release the amount over the XXXX What law governs this as I would like to pursue legal action pro XXXX. I also want to formally file a complaint here against Mr. Cooper. They have also charged me late fees that were not late in the past.
Consumer complaint received 2023-04-19
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: Experian Information Solutions Inc. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. These are the items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX, MI XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$700.00}, XXXX XXXX XXXX : {$1200.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$26000.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2023-04-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Gitsit Solutions, LLC. (PA)

Please refer to my previously filed complaint # XXXX after subsequently learning that my old mortgage company, XXXX XXXX sold my loan to GITSIT. Prior to this, I had entered into an agreement with XXXX XXXX  to begin making payments on XX/XX/23, as I was on a forbearance plan. The plan required that I make payments through XXXX, XXXX, and XXXX after which the company would review my account for a loan modification. 

However, GITSIT Solutions does not appear that it is honoring my previous arrangement with XXXX XXXX and is forcing me to make a lump sum payment of six months to get caught up even after I explained to them my circumstances and the fact that I already had an agreement in place with XXXX XXXX. I need to know my rights and options for mortgage protection. Thank you.
Consumer complaint received 2024-10-30
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. (IL)

I am writing to formally request that you block and delete all accounts listed below, as I am a victim of a recent data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which protect consumers in cases of identity theft and unauthorized use of their personal information. 
Please find below the accounts and inquiries associated with this data breach : Accounts : XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$130.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$540.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$540.00} Inquiries : XXXX CARD : XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2023-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (SC)

This issues started last year around XX/XX/2023. Sony Comenity was either bought out or partner by Bread Financial in late XXXX During this time, I have had issues trying to log in to my account. I click on forgot password to have it reset. Once I entered the new password, it took me to the next page where it says : " We're sorry. A technical glitch occurred and your request could not be completed. Please try again ''. I have called about this problem many times. Still not one employee helped solve this issue. I have also sent a letter to Bread Financial to have this issue fixed. I have not heard from them. I have not received any letter in the mail from them either. There is no way I can log into my account to view transactions to help prevent fraud. I have been a long time customer of Sony Comenity and never had any problem paying my bill or login to my account until Bread Financial took over. To this day, the problem is left unsolved since I tried the same thing before I came on here to file a complaint.
Consumer complaint received 2023-04-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (VA)

I received a text message from Phoenix Financial Services LLC as follows- Phoenix Financial Services LLC is a debt collector. 
Re : XXXX XXXX XXXX, XXXX. Account # XXXX Access our website here : www.phoenixfinancialsvcs.com Rights : phoenixfinancialsvcs.com/XXXX Text STOP to End I have no outstanding debts, do not click shady links, and research shows this to be a predatory company that should be reported.
Consumer complaint received 2023-04-19
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: Experian Information Solutions Inc. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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
Consumer complaint received 2024-10-30
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-06-02
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (WA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.