davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Relay Financial (US), Corp. (OR)

On Friday, XX/XX/XXXX at XXXXXXXX XXXX, I received an email from Relay Financial stating that " Your login credentials have been locked due to suspicious activity ''. I immediately emailed them asking to reinstate the account as I needed to submit some payments. 

I received a canned response on Monday, XX/XX/XXXX at XXXXXXXX XXXX asking a series of questions concluding the email with : " Our security system has temporarily locked your account due to an unfamiliar login being made. As soon we receive this information we can work on troubleshooting this issue. We apologize for any inconvenience this causes. ". 

I followed up indicating that while I appreciated their attempts to keep my account secure, I did not have time to help them troubleshoot their system and just needed my account unlocked. I offered to provide any supporting documentation required to verify my identity but I got the same canned response back. 

After several more emails going back and forth trying to get them to unlock my account, I requested instructions on how to close my account and transfer my balances to a different bank. I was told that in order to do so I had to login to my account online to initial a wire transfer. Following my reply pointing out that I was unable to login and that they were not willing to verify my identity to unlock the account, they sent me the same instructions to help them troubleshoot the issue. 

At this point, I decided to file a CFPB complaint as I was going in circles and not making any progress.
Consumer complaint received 2024-07-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Fay Servicing, LLC (IL)

I applied for assistance and were given a few options, but the options were way more than my current mortgage payment. I'm behind on my mortgage and was offered a possible loan modification for {$1500.00} which is higher than the mortgage payment of {$1500.00}. How can the loan modification payment be higher than the regular payment. I had a temporary cut in hours and just returned back to work with waiting on XXXX XXXX XXXXXXXX. So payment could not be made as I returned to work XX/XX/year>. I have asked for temporary half payments to help me catch up until I can get back on my feet. According to the recent letter XX/XX/year> I only qualify for deed in lieu. It seems like Fay servicing only want my house. I just got the house and had the deed transferred to me. I have several complaints against this company as you can see previous complaints. I feel the consumers doesn't matter and people homes are the only thing that important to the company. I'm trying my best as I have a XXXX now and trying to get assistance with these high house payments. The mortgage is only {$110000.00} so why is my mortgage payment {$1500.00}. That's way to much as the house was just deeded to me. My intent is to keep my home as I'm having XXXX XXXX made to help me in the home It will be hard to lose everything and get assistance for XXXX. I just need extra time to get payments in as I'm 7 month behind.
Consumer complaint received 2024-07-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Indie Technology DBA Found (NC)

XXXX  places duplicate holds for each trip I take using their drivers. The initial one is legitimately what I authorize them to make in order to pay for my trip but I do not authorize them to place another hold on my account, besides. The second is illegal because it is not authorized by me. The bank I use simply accespts those holds, but it is clearly wrong. The second is that XXXX is a technology-based service and one would expect their holds to last no more than a day after the completion of a trip. On average the holds last 4 days and nothing justifies this reckless conduct. Besides, the holds I authorize which are legitimate XXXX may place other holds days after the trip was concluded and they do not care to explain why. Every time, I have complained they have no customer service personnel answering questions so their website requests me to send the documentation accompanying the complaint. Sad story is that they never revert to me to fix the problem. I have come to understand from other users of both XXXX and XXXX that this is the way these two companies do business here in the United States. XXXX does not do that in that countries and it is not even standard practice in other countries where the rideshare services exist. 

There is also an unfair business activity XXXX and XXXX engage in. If a rider is not immediately available to ride when the driver arrives, after 5 minutes the driver can cancel the trip and charge the rider anything between {$3.00} and {$10.00}. Similarly XXXX levies extra charges after 2 minutes of a driver arriving at a pick up. Their drivers delay riders all the time, but there is never any compensation for our lost time. If it is good for them to charge riders for missing rides and or delaying the pick ups, it must be equally good for them to compensate riders when their drivers routinely cancel trips. 

The net effect of this conduct on poor people like me is that XXXX places more holds than they should on my money thus denying me access to my money for days on end. This conduct is wrong if not criminal. This needs to be thoroughly investigated, and they must be punished. My complaint is about conduct that is wrong and the majority of these rideshare companies have now gotten used to the illegal treatment. For the avoidance of doubt, there is not a single way to justify their system not completing their trips like they used to do with all the necessary charges calculated at the end of a trip. Anything else is illegal, wrong and an inconvenience to users like me. This must be stopped immediately.
Consumer complaint received 2023-10-14
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. (NC)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXX  Balance : {$750.00}
Consumer complaint received 2024-05-06
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. (MD)

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. My Correct and only name is XXXX XXXX XXXX remove all misspelled names. My correct and current address is XXXX XXXX XXXX, XXXX XXXX, Md XXXX remove all old addresses immediately.

The following accounts are in violation of 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 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 2024-06-09
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. (IL)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error - ( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor, or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. The items below should all be updated to paid as agreed on my consumer report. XXXX XXXX XXXX ] - Furnishing certain deceptive forms- Please Update too Never Late. As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because l 've been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney General 's Office, XXXX XXXX XXXX and Federal Trade Commission ).
Consumer complaint received 2024-06-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (OR)

On XX/XX/2024 Toyota Financial Services ( XXXX ) took {$500.00} out of my bank account via XXXX. This was authorized by myself. On XX/XX/2024 the payment cleared my bank account and funds were sent to Tfs. On XX/XX/2024 Tfs claimed my payment was returned as failed, unpaid. My bank account showed it was processed without any issues. I called Tfs on XX/XX/2024 when I learned of this error, and explained that I had a receipt, and transaction report from bank showing payment. I was told I had to mail or fax proof of payment to Tfs misapplied payment dept. I did that and nothing changed. I contacted them again and they said I had to get a merchant report from my bank. Ive tried to get this merchant report, but Ive been told by several bankers, as well as my bank that a merchant report is for a merchant to look over their credit/debit card transactions by type, purchases, returns, fees, etc. Tfs doesnt take card payments, only XXXX. Ive had my bank so a dispute to investigate, and they found no errors on their part, and they provided me with the XXXX report from the federal reserve system showing all the account numbers, batch numbers, settlement date, amount, etc. It shows it cleared just as my bank said. I faxed that report to Tfs and they still havent fixed it. They wont even try to look into it until I produce a merchant report they said. Its been weeks now, Ive tried calling, faxing, multiple support tickets, the dealership has tried to advocate on my behalf, and I even desperately reached out to their XXXX page to try and find someone who could help me. They have not communicated anything to me besides them saying it failed, its a check truncation entry return error according to Tfs, and that I have to fax or mail a merchant report. They wont even attempt to look into their system to find the error. Theyve been sent the receipt, transaction list, bank statement, XXXX  report from federal reserve, and emails from bank employees verifying the payment cleared. Last year Tfs lost a XXXX XXXX dollar lawsuit where there were services added without permission, but the familiar part is that Tfs supposedly made it so incredibly difficult to reach someone who would fix the issues, that people couldnt get it taken care of. Thats how I feel right now. They have evidence the payment cleared, and they have to know there is a {$500.00} discrepancy somewhere in the accounts, but they are making it so difficult for me, it feels like they are hoping I give up. Hopefully this is not a scam and Im just a very unlucky individual, but Im begging for someone to help me.
Consumer complaint received 2023-05-03
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. (IL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: HW Holding, Inc (CA)

I am a victim of identity theft, Ive been having complications on getting the help thats needed these accounts arent mine and I have no connections with them. I reached out to the company and the credit bureaus but the credit bureaus never responded Im not sure if they got the letter I mailed but now Im trying this way. 

Please help correct this fraudulent information and accounts.
Consumer complaint received 2024-01-23
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX Account XXXX XXXX and Public Information 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 a account without my written instructions.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am not liable for this debt with XXXX XXXX. I do not have a contract with XXXX XXXX XXXX they did NOT provide me with the original contract as I requested
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

Ive been a victim of identity theft. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-09
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. (IL)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error - ( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor, or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. The items below should all be updated to paid as agreed on my consumer report. XXXX XXXX XXXX XXXX XXXX Furnishing certain deceptive forms- Please Update too Never Late. As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because l 've been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney General 's Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Consumer complaint received 2024-05-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

On XX/XX/XXXX, I was informed that my monthly mortgage starting in XXXX will be increasing due to property taxes by $ XXXX. However, as California has Proposition 13 in place ( which only allows a 1.00 % /year tax raise ) I believe that XXXX XXXX recorded at XXXX PST ) was misleading me as he is in the state of Utah and assumed that Utah State Law carries the legal / financial weight of this situation. This is WRONG- the loan and the transaction originated in California so the jurisdiction for the loan is in California ( with Prop. 13 in place ). Since my taxes and insurance are in an escrow account managed by SPS Financial, I believe that the company ( SPS ) is overcharging me immensely. To wit, when my loan was first modified by XXXX over ten years ago my monthly mortgage was ( and still is ) $ XXXX and the taxes were ( and still are ) $ XXXX - how is this bill so high then?
Consumer complaint received 2023-04-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (CA)

Requested validation of debt. I am requesting that a statement that the communication is from a debt collector, your name and mailing information, along with the name and mailing information of the debt collector, the name of the creditor whom states I owe the debt to the account number associated with the debt, an itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date, the current amount of the debt when the notice is provided, Information I can use to reply to the debt collector, such as if you believe the debt is not yours or if the amount is wrong. Also I would like to see a contract between you and the creditor stating that you have a right to collect this reported debt.
Consumer complaint received 2023-10-14
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. (CT)

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 : 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 XXXX XXXX
Consumer complaint received 2024-06-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (WA)

In XX/XX/XXXX through XX/XX/XXXX I was hospitalized upon my departure from the hospital. I notified the bank that there had been fraudulent transactions on my account. The total amount that the fraudsters got was {$2800.00}. I close that account reopened a new account Upon my release from the hospital, I was notified by Wells Fargo that my account would be closed and I would be left owing the amount that was taken from me. Wells Fargo denied my disputes after several attempts to reopen the disputes. They said they could no longer assist me in this case, my account was - {$2600.00} as of XX/XX/XXXX I filed for my tax return which was a total amount of {$7800.00} which would have covered my overdraft from the fraudsters as well as put my account in the positive to where I could use my account This was rejected and returned to the IRS taking me much longer to receive my tax return and my accounts were closed. I also have an auto loan with Wells Fargo to where Ive been paying every single month for the past XXXX years they have been misapplying the extra payment after several calls to Wells Fargo costing any time, energy and stressful situation considering my medical condition I was diagnosed with XXXX XXXX on XX/XX/XXXX. After many calls with Wells Fargo, asking them to apply the extra amount to the principal rather than the principal and interest in order to reduce my overall principal payment Wells Fargo has neglected to do this time and time again they have also made it so my account balance is negative equity now and Im unable to refinance or trade in my vehicle or do anything for that matter with my vehicle that I dont want anymore because of this simple Tactic used by Wells Fargo to up my payments and keep them the same the whole time I feel like I have been deceived and this is not OK. I would like my money reimburse from Wells Fargo and this situation resolved
Consumer complaint received 2023-06-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Chime Financial Inc (FL)

Claim ID : XXXX from XX/XX/XXXX 9 months, STILL wont address the Main Complaint MY DISPUTE IS 1. THE MONEY WAS ACCIDENTALLY SENT TO THE WRONG ACCOUNT. XXXX XXXX XXXX ACCOUNT WAS AUTO-FILLED IN WHILE TYPING THE EMAIL ADDRESS. 
2. THE ACCOUNT THE MONEY WAS SENT to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  PASSED AWAY XX/XX/XXXX 3. THE FUNDS WERE SENT IN XX/XX/XXXX AFTER XXXX had passed away. Money can not be sent to a deceased person. 
4. THE MONEY WAS SENT TO ACCOUNT, WHERE IT CANT BE REVERSED, FUNDED, or SENT BACK, and the ACCOUNT HOLDER IS DECEASED, WE ARE UNABLE TO ACCESS THE ACCOUNT. 

Get a RESPONSE THEY SAY 45 days WHAT? XX/XX/XXXX, Its been nine months, and now you say XX/XX/XXXX. YOU KEEP PUTTING ME OFF 1. Chime couldn't comprehend the dispute and repeatedly replied with a completely irrelevant response to the dispute?

2. Chime has repeatedly put me off by responding with irrelevant responses. 
3. Chime filed replies with XXXX with the same Irrelevant responses, Not reading what the problem/dispute actually is and never offering assistance or instructions on handling it. 
4. Chime responded to XXXX 's complaint, stating to contact them directly ( I again contacted Chime, per their request ) 5. Chime Chat going over everything with Chat with the US, where I was told they were filing REBUTTAL-02 ( I requested a whole new dispute # due to this one seems to be on an auto-response and is not being read ) This Didn't happen 6. I reached out to Chime and was told someone would be in touch, but I never received that response So filed a complaint with XXXX  7. Chime XXXX  response to contact Support and IM PUT OFF FOR ANOTHER 45 DAYS