davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: 1st Franklin Financial Corporation (KY)

On XX/XX/year> I called 1st Franklin Financial to pay off the remainder of my balance. I spoke with XXXX XXXX who took my bank account information over the phone, put me on hold and then came back on the line to tell me the payment wasn't going through and he didn't know why and he would call me back. He did not call me back so I called him the next morning. He then lied to me and told me he called me ( he didn't no missed calls or messages ) and that the payment went thru and they would send my receipt in the mail. They charged my remaining balance TWICE and now I can't get a hold of them because it's the weekend.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCF Intermediate Holdings LLC (TX)

I received a letter in XX/XX/year> stating that I had been part of XXXX XXXX people that were affected by a data breach for Title Max or TMX finance. The letter had an engagement number on it although I lost that letter but I did in XXXX identity that was provided to me by Title Max finance and {$1.00} XXXX policy however never paid out, Ive been through homelessness with no vehicle back to an abusive situation because I didnt have the credit score to support any kind of living situation. My children are now living with my mother and I need to buy a house currently. My credit score is gone from a XXXX to less than XXXX at times they were over 300 inquiries on my credit report on each bureau. All of my credit accounts were taken over my bank account was taken over and all yall did was provide me with a measly {$1.00} XXXX policy that never paid a XXXX XXXX. I have made two claims that were valid and shouldve been paid with experience identity Work that was provided to me by Title Max or TMX fine finance now Im told that I cant even contact the legal department. The year was XXXX identity works us up and all Ive done is remove 270 inquiries in one fell swoop, which tells me they couldve done that with all of these credit accounts I made two claims with XXXX identity works that I want paid out by Title Max finance because they are responsible for every single thing that I am talking about
Consumer complaint received 2024-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (IL)

The text messages started in XX/XX/year>, XX/XX/year>, XX/XX/year>, XXXX XXXX, on a regular basis from Credit Collection Services ( a debt collector ) stating that I owed XXXX XXXX money which I do NOT, and it was past due! They wanted me to call ( XXXX ) XXXX, File Number XXXX Being a senior citizen, I didn't want to contact this company because I know that it was fraud, and I didn't want them trying to get any personal information from me. 

Please help!
Consumer complaint received 2024-08-07
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: Dave Operating, LLC (IL)

I am going through bankruptcy, being represented by an attorney, and have opened a new banking account under advisement of counsel. Under advisement of counsel, I contacted Dave through their email support to submit documented revocation of authorization for Dave to attempt to debit any account of any venue. I have, in my letters to Dave, provided them my attorney 's contact information. Dave has consistently refused to acknowledge my legal revocation of authorization and continues to try to fraudulently charge multiple cards/accounts associated with the account. I have even gone into the account management and removed all listed/associated accounts/cards. Dave continues to ignore my revocation of authorization requests and continues to attempt to charge cards and accounts of all venues.
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

The teller at the XXXX XXXX branch failed too properly place money in the appropriate account. I have a personal checking account and a business account that I deal at 5/3 -- -the money set in my account since XX/XX/year> in XX/XX/year> XXXX
Consumer complaint received 2023-02-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (DE)

XXXX XXXX XXXX mark my account current on my report for XX/XX/XXXX and once I made my XXXX payment they lodged or went back and changed an on time payment to 30 day late but make my XXXX Payment on time. I reach out to each to each credit bureau with my dispute and the company verified this lateness as accurate. 
The company never once reach out to me via phone or mail stating my account was late now in jeopardy of being late. I contact this credit card services before any lateness was ever entered and informed them I am not being informed of any mail or alerts regarding my account. The representative stated that my account was caught and there was no lateness involved with my account. I have proof of this with my statements and I submitted these statements as evidence to the reporting agencies in questions only to be told the card provider states that what they report is accurate when evidence was provided. The credit reporting agency mark it current for the month of XX/XX/XXXX but in XX/XX/XXXX the card provider when back and changed a current payment into a 30 day lateness. They have violated the FCRA and the credit reporting agency was just as guilty when they removed an on time payment two months later to reflect a previous payment on time to a 30 day lateness.
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NJ)

Due to an error on XX/XX/XXXX from a cash advance provider, my account was overdrafted. 

As of the post date of XX/XX/XXXX, my balance was negative {$590.00}. 

On XX/XX/XXXX, due to being negative, I was hit with XXXX {$35.00} overdraft fees, totalling {$100.00}. This now brough my balance to negative {$700.00}. 

I've called their customer support, and they continue to tell me that since I requested XXXX waived fees a few months ago, they will not clear or waive these ones. 

I tried to explain that I was getting support on Friday to help bring the account back in good standing with {$600.00}, but due to the fees, it'll still be negative. 

They refused to waive and clear them, as well as other fees in the past. 

Wells Fargo has now charged me well over {$500.00} in extra fees over the last few months, and they've done very little to assist, outside of the " XXXX that are allowed ''.
Consumer complaint received 2024-09-08
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. (MI)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumers rights to Privacy and confidentiality under 15 USC 1681 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, has violated my rights.

15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it 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 items 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 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-08-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (MD)

I have contacted source receivable management in XXXX of XX/XX/XXXX to request verification of the debt with them. It is illegal for XXXX to sell my information to XXXX XXXX debt collector. They can not then collect from the consumer as they can not produce a signed contract binding me to pay the debt. They also are not listed on the original contract from XXXX. This company has said that they have sent out multiple verification and letter to settle but I have received nothing. When I called they refused to confirm what information they had on file. They are blatantly violating my consumer rights and they nor the credit bureaus refuse to cooperate with me under consumer law. Trying to force me to adhere to their policies over my rights. This collection needs to be removed as this is inaccurate information and they did not have my permission to report on my credit profile.
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC. (NJ)

On XX/XX/XXXX I disputed amount XXXX XXXX It has been XXXX business days with out a resolution, I was denied provisional credit although I was told the dispute would take as long as 45 days, if not more. I had requested to speak to a XXXX regarding provisional credit and was denied, I have emailed and was only told, they are " waiting on a response from merchant ''. And once again denied any provisional credit. I have been a long time good customer and this is terrible service. Banks should provide provisional credit with in XXXX.
Consumer complaint received 2024-08-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CHERRY TECHNOLOGIES INC. (NV)

I had a treatment done which was supposed to be pay as I go. The owner decided to charge me for 3 treatments. Shes was more worried about getting paid and not me as a client. I told her we had agreed on pay as I go. She had me sign a waiver under having XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX She got the payment for 1 and I didnt go back and she refused to refund me after she said she would. After the first one I got XXXX XXXX and mesaged her I will not be getting anymore XXXX. She proceeded to charge me for services I didnt receive
Consumer complaint received 2023-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

On XX/XX/ I received an electronic letter saying that 6 of my 11 of my loans were placed on administrative forbearance for the time period XX/XX/ through XX/XX/. On XX/XX/ I received a separate electronic letter saying that my other 5 loans were placed on administrative forbearance for the time period XX/XX/ through XXXX The time periods of the two forbearances do not match. I am worried about defaulting on the 5 loans with the forbearance ending XXXX  because I still have not received a bill for any of my loans. 

Yesterday, I received an electronic letter saying I have been signed up for the SAVE program and and that the scheduled begin date for the plan is XXXX With that start date, I assume I will default on the 5 loans with the forbearance ending XXXX
Consumer complaint received 2024-08-07
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Auto Trakk, LLC (NV)

I lease this car from them, never bougth the car, the car got into an accident the insurace paid and they said I never paid and still claiming i bougthh the car which is a complete lie, the insurace paid the car and they want more money and put this in my credit without telling me, when I found out I asked them for the original contract and payment history and never was provided this people not only took their money also mark my credit and dates do not macth. then Just put in my credit I made a payment in order to keep marking my credit which I never paid anything at all because the car was paid for the insurance it was a lease and was returned. complete lies and someone in here need to provide paperwork and stop lyng because it was they doing at this pointI want to bring to your attention the unfair and misleading actions of the leasing company. Despite the fact that the car I had was leased and not purchased, they are wrongly claiming that I never paid for the vehicle. They also failed to provide me with the original contract and payment history when I requested it. Furthermore, they have reported inaccurate information to the credit bureaus, damaging my credit score. It is crucial that they provide the necessary documentation and cease their dishonest practices.
Consumer complaint received 2023-09-04
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. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/XXXX Dear CFPB, I hope this letter finds you in good health and high spirits. I am writing to formally dispute several entries on my credit report and kindly request your assistance in enforcing my legal rights as a consumer. The following accounts, listed with their respective creditors, have had a profound and detrimental impact on my life : XXXX : Account number : XXXX XXXX XXXXXXXX : Account number : XXXXXXXX XXXX XXXXXXXX : Account number : XXXXXXXX XXXX  : Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | XX/XX/XXXX These entries on my credit report have had a devastating impact on my life. I'd like to share with you a personal story that illustrates the emotional toll this situation has taken : Several years ago, my family and I experienced unexpected financial difficulties due to a medical emergency. As a result, we struggled to make ends meet and fell behind on some of our financial obligations, including those listed above. While we worked tirelessly to resolve these issues and eventually succeeded in getting our finances back on track, the lingering effects of these accounts on my credit report continue to haunt us. 

Despite our efforts to rectify our financial situation, these accounts remain unverified, inaccurate, and unfairly represent our financial history. This has made it nearly impossible for us to secure affordable housing, obtain loans, or pursue opportunities that require a favorable credit standing. The weight of these unjustly reported accounts has caused immense stress, anxiety, and feelings of helplessness for my family and me. 

In light of the violations I believe have occurred, I kindly request your assistance in enforcing my legal rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. Specifically, I request that the respective creditors remove these unverified accounts from my credit report, as they have failed to provide accurate and verifiable information. 

I understand the importance of accurate credit reporting and its impact on the financial well-being of consumers. I am committed to resolving this matter in a fair and equitable manner and am grateful for the Consumer Financial Protection Bureau 's support in ensuring that my rights as a consumer are upheld. 

Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] if you require any additional information or documentation related to this dispute. I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

In XX/XX/XXXX, Fifth Third assumed the mortgage for my property. In XXXX, they informed me flood insurance was required. I provided documentation, including the site plan for the new house build showing elevations of 65 feet. However, they required documentation from XXXX. 

I submitted the same documentation to XXXX, but they requested an XXXX XXXX  ( XXXX  ). Despite the fact a surveyor had already completed a survey during the house build, I had to pay extra for this certificate. The XXXX confirmed the elevation at 65 feet. XXXX issued a XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) dated XX/XX/XXXX, confirming the property is not in a flood zone. XXXX also acknowledged their outdated XXXX maps and informed me updates to these maps only occur with significant developments in the area. 

The XXXX letter was provided to Fifth Third, confirming the property is not in a flood zone. Despite this, Fifth Third pulled a lender-placed insurance and is requiring I pay the amount from XXXX to XXXX. They are requesting I backdate the XXXX letter for a potential refund, which is inappropriate since the land 's elevation has not changed over the past four months. 

I have contacted the President of Fifth Third twice, but their stance remains firm regarding insurance payment. Additionally, I already have full insurance on the house and their lender-placed insurance is 2.5 times more expensive.
Consumer complaint received 2024-08-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (PA)

On XX/XX/year> I logged into my PayPal to transfer money to my bank to pay my rent etc as I usually do every XXXX of the month. Only to see after 4 years of using this service they " Permanently limited my account. Upon researching this matter I've discovered hundreds of thousands of similar forums and complaints from other consumers being done the same exact way by paypal. They try to use the User Agreement fake violation which isn't recognized by the court of law. No financial institution has the right to hold your money that long interest free without explanation. Imagine waking up tomorrow to access your funds only to see they are locked for 180 days for absolutely nothing, and no reason given what so ever. Yeah the XXXX XXXX Notice of Arbitration and possible civil litigation are the next steps. I don't mind spending money to prove my point you are gon na end up spending your own money only to return all of my hard earned money!
Consumer complaint received 2018-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am having difficulties retrieving my credit file and applying for credit. I have requested multiple times to have the extended fraud alert removed from my file. However, for some reason, the CRAs continue to display this alert. The alert is causing undue delays in retrieving my own credit reports and acquiring needed lines of credit. PLEASE SEE THE ATTACHED FILES TO SEE MY FORMAL REQUEST FOR REMOVAL OF THE EXTENDED FRAUD ALERTS.
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CA)

Hello, I deposited a payroll check for about {$1800.00} into my BMO checking account on XX/XX/year> via the mobile app. I got an email stating the check was received and would get another email once the check was approved. Today XX/XX/year> I received an email stating the check was processed and approved. Shortly after my account was locked/frozen because of possible check being fraudulent. Its crazy shady how once the check clears and they pull the money from the other bank they go ahead and freeze and restrict the account because there was no reason for them to flag the check as fraudulent. None. After reading several reviews and complaints from other customers it seems like this bank BMO does these shady practices very often. I had my rent money pending also to be sent to my landlord but will now be held because of the freeze. I really cant wait when BMO gets sued and fined XXXX XXXX XXXX for these shady fraudulent practices they are doing with peoples money. No body ever escapes karma. i ask you to please unfreeze my account and release my funds asap so i can withdraw my money and go else where. I dont want my money to be handled by a bunch of thieves. Shame on you BMO.
Consumer complaint received 2024-08-05
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

In XX/XX/year>, I received a copy of my credit report and noticed this collection agency National Credit Systems was attached to my profile with a large debt amount of {$4400.00}. I reached out and called the company to let them know that the information they were reporting on my file was indeed NOT mines. I asked them to send me the ORIGINAL lease contract from the apartment complexes saying my name was on the lease and they had the right to collect any debt from me. The young lady told me they did not have that information. I know they do not have it because I was NOT under any contract with the leasing company during the time stated. I do NOT owe this debt. I did not have any contract with the original creditor and I would appreciate if this company stop reporting inaccurate information on my credit report.