davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Climb Credit Inc. (CA)

XXXX  XXXX XXXX ( from here on Climb ) has unfairly increased the principal of my student debt by {$3900.00}. They acknowledge that it is a mistake that occurred on XX/XX/XXXX, but they havent solve it. Meanwhile, everyday I accrue interest on the wrong principal. 


I took a loan with Climb for {$15000.00} disbursed on XX/XX/XXXX. This money was disbursed directly to XXXX XXXX to pay for the software development bootcamp offered by that institution. On XX/XX/XXXXXXXX  XXXX XXXX paid Climb {$3900.00}. This reimbursement was made by XXXX XXXX because it closed its on-site bootcamp and the students affected were reimbursed part or whole of the tuition depending on whether they accepted or declined the online option. I accepted the online option and I was partially reimbursed. 


On XX/XX/XXXXXXXX  I checked my online Climb account and I found that the money paid by XXXX XXXX had been reversed. Meaning the negative number that lowered the principal by {$3900.00} had been offset by a positive number of the same magnitude marked with the word Reversal. 


On XX/XX/XXXXXXXX  I made a call to XXXX XXXX XXXX which is the number published on the Climb website. They told me that the reversal occurred on XX/XX/XXXXXXXX  but they did not tell me why. They also couldnt tell me why I hadnt been informed or when the problem was going to get solved. They only said that they were sorry, that an error had occurred, that they were investigating and that they would contact me once they had an update. Since then I have made several calls and written multiple emails to Climb and I always get the same response : They are sorry and they will contact me when the issue is solved. Today I checked again the account and the Reversal is still there. 


I want to highlight that the problem is not only that the principal is higher than it should be, but that the interest is being accrued incorrectly EVERY day. 


I have exhausted all the channels provided by Climb but they havent reversed the error. Any advice on what to do would be greatly appreciated.
Consumer complaint received 2023-10-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: M&T BANK CORPORATION (DE)

I have been a long-time standing customer with M & T Bank and it wasn't until 2023 that I have faced immense financial hardship due to this financial institutions inability to protect my information and my funds. I have had several insufficient funds and related fees applied to my account without my knowledge and lack of posting to my mobile banking. I've continuously reached out to obtain relief and I only receive rude/short responses leaving me helpless and still without my money. I am in a constant negative because my request for overdraft protection never applied to my account. I even confided in a third-party debt consolidation company who equally withdrew more funds from my account and also advised I would not be getting those funds back ( which has since been resolved following submission of a previous complaint ). I am DROWNING here and am BEGGING for help. These financial institutions are killing me and my money is all going to fees and it's NOT RIGHT! I make good money and have been trying to get back on track after a ripple effect of non-stop loss of my hard-earned funds. I have a family- this is NOT ok. SOMEONE PLEASE HELP ME!
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to express my profound frustration and disappointment regarding the unresolved fraudulent items on my account. I am deeply concerned by the lack of resolution and the ongoing presence of these inaccuracies. I have diligently followed all required procedures, providing detailed documentation to substantiate my claims of fraud. Despite these efforts and numerous follow-up communications, the fraudulent items remain on my account, causing significant financial and emotional distress. The persistence of these fraudulent items is unacceptable and undermines my confidence in your institution 's ability to protect my financial interests. It is imperative that this issue be escalated within your organization to ensure an expedited and thorough resolution. The following items should be remove as soon as possible : XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX Balance Owed : {$5300.00}
Consumer complaint received 2023-09-19
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XX/XX/XXXX XXXX To whom it may concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Ace Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section XXXX. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to inform that I have went over my consumer report and XXXX XXXXXXXX XXXX  Account # : XXXX violated my rights. 
Here 's why : This account is in-accurate and un-verifiable to me. Their is no proof that this account belongs to me and I demand proof. I believe I am a victim of identify fraud. This account also has been charged off. This also means if the account has been charged off which results ; to the company filing a 1099-c through the IRS. On my consumer report this account shows a past due balance. Their should be no past due balance since the account has been charged off. XXXX XXXXXXXX XXXX states this account is charged off which results to this company writing off the account and receiving a tax benefit for the loss. 
Some of my rights that have been violated are : 15 USC 1681 ; There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 USC 1681S-2 ( a ) ( 1 ) ( a ) 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. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under : 15 U.S.C 1681 Section 604 A Section 2 : 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.

I DEMAND THIS ACCOUNT TO BE REMOVE FROM MY REPORT IMMEDIATELY.

After your careful and proper investigation I request a copy of my credit report.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XX/XX/XXXX XXXX To whom it may concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXXXXXX XXXX XXXXXXXXXXXX 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 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Ace Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

My contact information is as follows : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (IN)

I recently submitted a dispute from my Chime Checking account and debt card. 
On Friday XX/XX/2023 starting at XXXX est until Saturday XX/XX/2023 at XXXX my debt card was used in XXXX separate micro transactions of {$2.00}, {$5.00}, and {$10.00} for unauthorized/fraudulent purchases in the amount of {$920.00}. 

I have never made a purchase from XXXX. The last purchase made from my account was from the XXXX XXXX XXXX for a total of XXXX. 

I then attached screen shots from both my XXXXXXXX XXXX XXXX showing the last purchase I made and a screenshot from my XXXX account that show no purchases from MY account. You can also look through my transaction record and see that I have NEVER made a purchase from XXXX XXXX. 

Furthermore when I purchase things from the XXXXXXXX XXXX XXXX I always have to pay sales tax and none of these charges have any tax charged? 

I immediately called in when I awoke the morning of Saturday XX/XX/2023 to stop the charges. I was told by Chime Support that the could do nothing until the charges cleared. I was told to call back in when they cleared and start the dispute process. I started this process on Monday XX/XX/XXXX and have been denied twice already and they have not provided me with any information as to why I was denied. 

I then called into support and filed a rebuttal and resubmitted documentation with a statement explaining the situation with my own findings only the be denied again in less than 24 hours. 

Chimes response from an email I received : Support Tuesday, XX/XX/XXXX, XXXX XXXX  As part of our investigation, a review of our systems was performed in addition to information provided during the claim filing process. As applicable, we coordinate with other financial institutions, merchants, and networks as part of the claim review.Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. 

I am sure no error occurred, the fraudsters were able to take my money just fine. It was unauthorized purchases I was disputing not a system error.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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
Consumer complaint received 2024-06-05
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: EQUIFAX, INC. (MO)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-06
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: DigniFi (TX)

My identity was stolen and I made Dignifi aware of this and sent numerous of letters and documents as proof to the identity theft and account that were associated with the theft.This company is still reporting these accounts as thou they are accurate when in fact they are included in my information being stolen. According to 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Also Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. ( 1 ) IN GENERAL.-Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. Also 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. And 15 U.S CODE 1681C-2-BLOCK INFORMATION RESULTING FROM IDENTITY THEFT ( A ) BLOCK
Consumer complaint received 2023-03-23
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. (TX)

My identity was stolen and I made XXXX and experian aware of this and sent numerous of letters and documents as proof to the identity theft and accounts that were associated with the theft. 

These companies are still reporting these accounts as thou they are accurate when in fact they are included in my information being stolen.

According to 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Also Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 

( 1 ) IN GENERAL.-Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

Also 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

And 15 U.S CODE 1681C-2-BLOCK INFORMATION RESULTING FROM IDENTITY THEFT ( A ) BLOCK
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am disputing and investigating these wrong accounts on my credit file. I should get {$1000.00} for each mistake under the Fair Credit Report Act. FCRA 605B says we must report wrong accounts on a credit report.
Consumer complaint received 2023-11-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (CA)

An escrow analysis was conducted on my mortgage loan on XX/XX/XXXX that increased my payment by {$720.00} MONTHLY. I have tried reaching out to MrCooper for information regarding this change since XX/XX/XXXX and I can not reach a single representative or get any response to this. After not receiving any support from MrCooper I had to consult with a mortgage consultant. They have advised to me this is more than likely a mistake due to the excessive amount of increase on my escrow payment. As well as my escrow had a surplus up until this analysis. The mortgage consultant advised me to get in touch with MrCooper ASAP to address this matter yet MrCooper continues to process my payments but failing to provide any customer service whatsoever.
Consumer complaint received 2023-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (AL)

I opted out of the XXXX forbearance program when my loan was with XXXX XXXX. when Mohela took over my student loans they put me into the forbearance. I contacted them and they told me I had to recertify my ibr program to get out of the forbearance. I didn't feel like that was fair but I went ahead and I recertified for the XXXX. this did take my loan out of forbearance. I don't know for how long because the next time I checked, it was in forbearance again. I call customer service again they tried to tell me I had to recertify again I told them I would not and I did not have to because I had already recertified and I opted out of the XXXX forbearance. they got rude with me and said that " well most people do the forbearance '' and I told them I didn't care what most people did I opted out I wanted my loans immediately taken forbearance and put into the repayment because my ibr repayment is {$0.00}. I got a notice yesterday that due to the forbearance program that they put me in against my will against my wishes that I now have to pay them XXXX by XX/XX/XXXX. I am beyond fed up with this as I continue to try to take care of this even though it's not anything that I did wrong. I did all the proper steps. I opted out of the forbearance program. I've recertified my ibr. I have taken care of this student loan for more than 10 years without a problem until I experienced the servicer Mohela. I need them to correct my loan by back dating taking off that forbearance. correct every month for that XXXX that I should have been counted for XXXX and not in forbearance and get rid of the {$7000.00} payment that I have no idea what it's even for.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Sent a {$28000.00} to XXXX XXXX from my Bank of America account last XXXX  XX/XX/year> and it was sent back to Bank of America XXXX BANK OF AMERICA ( THE WORST BANK IN THE WORLD!!! ) CAN NOT FIND MY MONEY!!! 

THIS IS REALLY REALLY BAD!!! 

WHERE IS MY MONEY!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

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 items. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX