davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

Was having trouble with making mortgage payments. Last payment was made XX/XX/2022. Was asking for assistance and my mortgage company was trying to get me to refinance. Finally someone advised me of the XXXX that the states were providing and I got approved for the state of Florida. The approval was for past due amounts from XXXX to XXXX. The total amount was {$6100.00}. 
I sent PHH Mortgage the proof of approval and still as of XX/XX/2022 have not applied the approved amount. 
I have tirelessly attempted to try and make sense with someone since this whole process has started and they keep asking for the proof or copy of check and check routing or account number. They state of Florida wont give me that, and when I finally spoke to a XXXX at XXXX, they explained that they sent a large lump check because with the amount of homeowners who mortgage with PHH MORTGAGE/XXXX XXXX  was over XXXX XXXX dollars. Now I received a foreclosure letter when I told PHH mortgage I have the remaining balance amount ready to pay once the XXXX payment has been applied.
Consumer complaint received 2022-12-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CO)

On XXXX XXXX I sent {$930.00} using Zelle through XXXX. to XXXX XXXX XXXX for XXXX tickets. His email XXXX. I contacted XXXX XXXX afterwards to report scam & request info I could contact him or his bank. I received screen prints from their trace with all the pertinent information eradicated. I went into my local branch and no, they could not give me any of his info for his privacy.
Consumer complaint received 2022-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (MN)

I need help with my account. I've been trying to get a hold of someone and get it figured out since Friday morning. I can't get a response on the app or via email. This is regarding my acct : XXXX XXXX. Email is : XXXX. Chime tag : $ XXXX XXXX I have an open support request ticket on the app and that number is : XXXX. Social Security Administration released my XXXX payment to Chime on Friday XXXX and it's no where to be found. The XXXX person I was able to get a hold of briefly just told me that you don't have it yet, you don't hold deposits, etc.. All the stock, default messages. I sent the proof of the payment being released to Chime also and verified with Social Security Administration that the routing and account numbers were correct. I'm just over the top stressed and in tears over this, as that's my only income and my bills are late, I had to cancel an important meeting regarding my late mother 's estate, due to not having any funds.
Consumer complaint received 2022-12-05
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica (FL)

I've been dealing with Direct Express/ Comerica Bank for my government benefits. I never had any issues until they decided to send me a new card for whatever reason and now I cant access a live person to set up my pin or access my money to pay bills. The amount is showing that's its there on the card but I can't set it up with a pin I cant get access to it. I need help to pay my bills. No one answers the phone.
Consumer complaint received 2022-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION (VA)

My checking account is through Truist bank. I was issued a fraudulent check in the amount of {$4900.00} by a scammer which I deposited XX/XX/25. I deposited {$1200.00} into my checking account and the rest out in cash. The check then bounced and I lost the money which I had sent, based on the bank issuing the cash to me " in good faith ''. I then filed a claim with Truist to recover my funds fraudulently taken from me, but denied my claim on XXXX. So essentially, I was scammed for money based on the bank issuing me cash from a fraudulent scammer 's check and now say that they can not reimburse the amount. I feel that that is patently absurd and feel that Truist should be held accountable for not having vetted the check before issuing funds based on the check being good, then claiming they are not responsible if the check turns out to be bad.
Consumer complaint received 2022-12-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (FL)

Much like all Americans I fell into hardship during the pandemic. I lost my husband during this time and there was much emotional damage and financial hardship. I fell behind and ended up in foreclosure. I then hired an attorney to help me try to save my home. My attorney 's office called my lender on XX/XX/XXXX. The lender advised that my loan was modified in XXXX and no COVID forbearance. My attorney 's office asked if my lender had made me aware of my options regarding COVID assistance for my FHA loan. My lender said they don't know if any correspondence was sent out. I am very upset that I may have ended up in foreclosure after losing my husband due only to my lender 's decision not to tell me of programs that would have helped. My attorney 's office also told me that FHA has post COVID assistance that I could have qualified for. I would like to know why my lender withheld information that could have helped me. Thank you.
Consumer complaint received 2022-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My complaint involves the 3 credit reporting agency they are reporting old or outdated info which affects my credit score and gets me denied for most if not all loans that I apply for I have disputed these inaccuracies on their websites over the past several months but to no avail have anything changed.. 
The info they're reporting either list wrong addresses or reporting how long that the accounts have been opened once a new debt agency buys the debt they report it as a new account most of this debt is less than XXXX
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.
Consumer complaint received 2022-12-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (CA)

On XX/XX/22 my credit report agency notified me that I had a negative account change in my credit. I looked and I was in collections with an agency called Online Information Services for {$520.00}. I then saw that this agency reported this to XXXX on XX/XX/22, reported it to XXXX on XX/XX/22, and reported it to XXXX on XX/XX/22. It was for an energy company in Texas. I have never lived in Texas nor did I ever give my consent to anyone to use my information to open an account under my name. The Energy company 's name is XXXX XXXX. The account number for this person is XXXX XXXX XXXX. I found out that the person used my social security number to open this account and used my name. The number associated to this account is ( XXXX ) XXXX. On XX/XX/22 I filed a police report but do not have the report yet. The report number is XXXX. This is the second time that this has happened to me.
Consumer complaint received 2022-12-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Monterey Financial Services LLC (NC)

We are reaching out to you today to file a complaint against Monterey Financial Services for direct violation of the Fair Debt Collection Act. We agreed with XXXX XXXX to settle with them for {$1000.00} and sign a release agreement. We completed that process but XXXX XXXX never cashed the check but reported the debt as paid in full due to Grantors request, which led us to believe this had been resolved. However, come to find out, XXXX sent our account to collections. We notified Monterey Financial Services of this issue, yet they continued to reach out to us anyway. We want it on record, that Monterey Financial Services did not follow the Fair Debt Collection guidelines and all communication from them needs to cease.
Consumer complaint received 2022-12-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A. (OR)

I would like to make a complaint regarding my dispute with Citibank. 

I have had their credit cards for 20 years without any issue and last year I also had a checking account with them with no issue but I closed it to go with a different bank for their better term. I never violated any terms, paid my cards always in full and on time. 

On XX/XX/XXXX, I opened a checking and savings account through my online access. They then debited XXXX from my other bank account for deposit to the new account. The next day, I received an email saying the accounts have been closed, I could not even access my online account. I called them several times and the rep could not see that there was money in the account and finally I talked to the executive response unit and I had to send her a screenshot of my other bank account to prove that they debited the money from me. Originally, they also said that they are going to mail that money via check to me within 31-60 days without any tracking information, now that I pressed for the fact that they're being totally unfair and irresponsible, they provided me with a letter saying that it will be mailed within 7-10 business days ( today is already the 17th days from they closed the account ) and may provide me with tracking number when they do. This is totally wrong because first of all, I know for sure that I did not violate any terms and they did not want to provide me with reason at all. To let someone opened an account where they need to do due diligence before approving then closing the accounts the next day, not being responsible with the money is a breach of warranty and duty. It has been stressful to say the least and now that I do not have access to online account, and for the fact that I have been transacting paperless for many years, how am I supposed to pay my credit cards bill with them. Their reps are very unprofessional, dealing with them is very difficult. I think the fact that Citi is trying so hard to lure consumers by offering bonus and high yields is the heart of this problem.

Thank you for your attention to the matter.
Consumer complaint received 2021-05-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2024-09-26
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. (MA)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2022-12-05
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I submitted a complaint on this company a few days ago and sent them a certified letter in the mail detailing my dispute. They responded back to my dispute stating that they already sent over information and would not be sending anything to validate this at this time. I never received anything. I requested documentation as outlined in my previous complaint but it was never sent. They have not provided a Certified mail return receipt where they would have mailed these documents. I never received this contract. According to the law? They have to provide me with this information which they have not provided and are refusing to provide as stated in their previous response. I ask that this be removed from my credit report immediately. I am already seeking legal counsel.
Consumer complaint received 2022-12-05
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. (CT)

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. 
XXXX  Account # XXXX, XXXX, XXXX, XXXX 15 U.S.C 1681 Section 602 A. States I have the rights to privacy. 

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 furnish any information relating to a consumer to any consumer reporting if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-05
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)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Consumer complaint received 2022-12-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (SC)

In review of my XXXX credit report, I noticed a collection account from a company by the name of LVNV Funding/Resurgent. I never received any written communication from this coming stating that they were attempting to collect a debt. 

I wrote to this company via Certified Mail requesting " validation '' of this collection. I received the certified green card in the mail which indicated that someone in their organization was in receipt of my dispute. 

On or about XX/XX/2022, I had not received any responses from this company and sent the another letter via certified mail to provide me information on this collection reporting on my credit reports. As of today, XX/XX/2022 I have not received any communication from this company and their collection is continuing to be reported to my credit file with XXXX and XXXX.
Consumer complaint received 2022-12-05
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CA)

At approximately XXXX XXXX, on XX/XX/2022 I received a text message ( attached ) fromm my bank ( Chime ) asking me is I made a transaction in the amount of {$270.00}. I responded NO as I was in the middle of my morning commute and had not made any transactions. I proceeded to log into my online banking and found five ( 5 ) transactions form XXXX totaling approximately {$1100.00} ( attached ) .I immediately locked my card. I called XXXX to inquire about these transactions to which they informed me that there is nothing that they can do because I am not a costumer, they stated that they would have no information to look in to. I reported my card stolen. It is important to note that I was in possession of my card ( attached ). I called my bank to ask them what kind of transactions they were and to further inquire about the dispute process, a Chime representative informed be that they were money transfers. I asked them how someone could make these types of transfers without my accounting and routing number, and I requested a new accounting and routing number. The representative ignored my request and instead proceeded to explain at length how someone could make this type of transaction without my card and without having actual access to my account number. Chime 's policy is that at least one transaction has to clear before allowing a dispute, I waited for this to occur and promptly filed a dispute when I was able to. My dispute was filed XX/XX/2022, I had to file two disputes separately ( attached ). On the evening of XX/XX/2022 I received an email from chime regarding one of the two disputed stating that they had concluded their investigation and that no error occurred ( attached ). I immediately called them outraged, they out source their customer service to a foreign country with individuals that read from a script. They basically told me there was nothing they could do, that I could request the documentation used to make their determination and after that I could file a rebuttal if I had new information. I requested to closed my account as I will not continue to bank with a financial institution that refused to protect my money, I transferred out my remaining saving 's balance and closed my account. I filed a police report this morning ( confirmation attached ), as I plan to pursue reclaiming my stolen funds to any extent necessary.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

The freeze was lifted, so they said. We tried to call on the weekend and no one could answer. We called on Monday and they said it was a lock not in unfreeze. We ask for help and Experian sent us to XXXX, they said their tools were not working. All we want is it unfrozen to obtain an XXXX XXXX credit card and we have yet to successfully do that after four days its Monday afternoon and its still frozen and we still havent got an approval
Consumer complaint received 2022-12-05
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: TD BANK US HOLDING COMPANY (OH)

XX/XX/22 a fraudulent hard inquiry was made on my behalf for a credit card at Target. I was notified via email and immediately called Target and submitted a dispute on XXXX. Target saw no account opened, but assured me that they would send communication to XXXX, indicating that it was a fraudulent inquiry. I also placed a freeze on my credit report with XXXX.
Consumer complaint received 2022-12-05
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: Bread Financial Holdings, Inc. (IL)

It's been over 30 days, and the creditor has not updated the information nor provided proof or documentation in regards to the late payment. They have not supplied this information and they must the late payments reflecting on my credit report. Under federal olaw they had 30 days to complete this investigation. They must remove these errors.
Consumer complaint received 2022-06-24
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX US Dept of EDXXXX XXXX Account XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX  XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX  XXXX XXXX, Account # XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions.