davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MD)

On XX/XX/XXXX I paid {$170.00} to XXXX then XXXX took another unauthorized payment for the same bill of {$160.00} on XX/XX/XXXX. I called XXXX about extra payment I was told the XX/XX/XXXX payment was returned. I called Chime Bank an requested my Bank Statement for the month of XXXX to confirm that I never received a return of payment. Just like I thought I did not receive any return of payment, now if I can see the money went out but never came in my bank should definitely be XXXX to see that. I disputed the transaction an within a hour or two Chime Bank denied my claim. I wan na know what did they investigate, if its their policy to investigate consumers claim what exact measures was taken cuz anyone should be able to look at my statement an see I paid XXXX twice. I expected this to be a easy fix everyone on the XXXX side as well as Chime Bank shouldve been able to identify there was a mistake an none of my own but possibly the systems fault as humans we should be able to catch it an fix it. So Chime Bank didnt investigate anything
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that Experian didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S code 1681 e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violations of not reporting 100 % accurate.
Consumer complaint received 2023-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I am part of a " shopping rewards '' program at CapitalOne for ~2 years. I tried to redeem some of the rewards back in XXXX, XXXX for a gift card. They have not been able to redeem the rewards yet and have not followed up with a reason or any clarity in the matter. 

After not hearing back from them for months, on XX/XX/XXXX, I got an email from them stating that my account has been suspended. " We regret to inform you that your Capital One Shopping account has been suspended. We reserve the right to suspend your Capital One Shopping account and services at any time for any reason not prohibited by law. Additional information on our policies and practices can be found in our Terms of Service. Please see our instructions for how to uninstall Capital One Shopping on your specific browser type. We appreciate your understanding. XXXX ''. 

They provided no information as to why the account has been suspended. I tried to follow up with emails ( XXXX XXXX XXXX XXXX ) try to gather more information. They have sent me the same rote language back each time. 

I hired a lawyer to try and get more information from them on my account. They refused to talk to him, but provided the same information as they sent me in their email dated XX/XX/XXXX. The lawyer sent them a letter ( dated XX/XX/XXXX ) requesting that they contact me and provide me with information, but I have not heard back from them. I followed up with an email on XX/XX/XXXX with the lawyer 's letter attached and got no further response. 

This is their website XXXX XXXX XXXX XXXX Their email is : XXXX XXXX
Consumer complaint received 2023-09-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (TN)

XX/XX/2023 there were multiple bank reserve charges on our account. We called the bank because our balance went from around {$380.00} to negative - {$150.00} something and were told to let it cycle out and it would be fixed. The following day our account was even worse in the negative at around - {$550.00}. We noticed multiple fraudulent charges on the account. This included an atm withdrawal of {$500.00}, another XXXX atm withdrawals of respectively {$22.00} dollars and {$42.00} dollars. There was also a check that was cashed. A check that shouldve been flagged because of how it looked like multiple pieces of information posted together on a piece of paper. The check was made out to cash express, where we immediately went to the local store to verify it and was told XXXX. That doesnt even look like a check XXXX. Everything the company does is electronic, no paper checks are printed. Immediately I knew our account had been compromised and my husbands information was being used to make fraudulent charges. We called the bank again because still by this time we had received no communication of any sort of a data breach or anything about this supposed bank reserve glitch. When speaking to the bank they denied that was an issue and began reading from her script about how there was a glitch and to let everything play out and it would be fixed. I had to yell at her to tell her theyre allowing fraudulent charges on our account, where she transferred us to that department. The fraud department then tells us there isnt anything they can do until all charges go through. I demand they shut off the atm cards because apparently that never occurred to them. He then tries to sell us the option of having pictures on our new atm cards that theyll be sending out. The bank has yet to hold up their end of the contract we sign when we open an account. Not only did they steal my {$300.00} balance, theyre charging me over draft fees related to their glitch and data breach as well as comprising our personal and financial information. XX/XX/2023 they have yet to resolve anything and are still charges overdraft fees.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I would like to state that Transunion is in violation of 15 Usc 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report with the written consent of the consumer. I NEVER gave your company the written consent to furnish a report on my behalf. No consent is identity theft! I demand that you remove the inaccuracies off my consumer report immediately! The inaccuracies on my consumer report are causing humiliation, and distress. You violated 15 USC 1681 ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). I have not been able to obtain credit, insurance, employment, or housing as well as suffered mental XXXX XXXX, and homelessness. You have prevented me from extending credit and stopped my livelihood by violating my rights to consent and privacy. I demand all negative accounts be removed as followed : XXXX XXXX XXXX {$690.00}, XXXX XXXX {$360.00}, XXXX XXXX  {$130.00}, XXXX XXXX XXXX {$550.00}, a number of unauthorized hard inquires : XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX  : XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX, XXXX {$600.00} XXXX XXXX {$510.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX Reported : XXXX XXXX, 2023 I need these removed off my consumer report immediately. 

I have attached my consumer report and look forward to hearing from your company.
Consumer complaint received 2023-11-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: PENNYMAC LOAN SERVICES, LLC. (SC)

We had a prior loan with PennyMac with another home that we sold, so we decided to use them since we were familiar with them and had history. In the midst of the loan process I lost my job and so we were just using my husband 's income. He is collecting XXXX and money from rentals. We were asked to put more money down, which we did in an excess of $ XXXX to close. The new construction build was valued at around $ XXXX. In the beginning my husband offered to pay off the few small loans that he had and the loan officer asked him not to. As we move forward with the process, weeks later he told him he would have to pay off at closing. My husband wanted to pay off sooner so that it would not impact his debt to income ratio. The loan officer sent a text asking him to submit copy of his XXXX. He told him that he is not collecting XXXX and never had, just XXXX and the rental incomes from his properties. We were scheduled to close on XXXX to learn on XXXX that the Loan Originator/Officer, XXXX XXXX inputted that he had two XXXX one a XXXX. This is not what we told him. XXXX went ahead and submitted false information. We are not out of a home and close to $ XXXX that we paid to the builder. When we spoke with the loan officers manager on XXXX he told me there was nothing they could do. This is unacceptable, they rode us along all this time. We initiated the call to find out that this was the state we were in. The loan officer 's manager, XXXX XXXX said that he called me on XXXX. I have no missed calls or voice messages from him. I am very shocked with disbelief in the way our file was handled. The loan officer also told us to record that we were paying off our car although he knew we were not doing that. My husband told him, so you want us to lie and say we paid it off? We can't do that. All this took place on a recorded line. We want the money we paid to the builder and his manager made no indication that they were even considering paying us back. XXXX XXXX is the Manager and XXXX XXXX is the Loan Officer we were dealing with.
Consumer complaint received 2023-12-08
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (AZ)

Synchrony Bank ( Credit Credit ) lowered my credit limit. I did not ask them to. I was not late on my card payment. Card it almost paid off. They ran my credit again without asking and proceeded lower my credit score when i did not ask for increase or decrease. they said they ran my credit and reevaluated my credit limit from XXXX to XXXX i only owe XXXX on the card.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (SC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-12-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC (OH)

XXXX is a nightmare. I was told at closing I could make XXXX payments of my mortgage but prior to the due date. First payment due XXXX. Thus, I sent XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. XX/XX/XXXX was returned. I spoke to XXXX who informed me they dont accept payments less than the amount of the mortgage. But she could stop the second half from being rejected. I re-payed the first half over the phone. I later received a voicemail that XX/XX/XXXX was returning too. I verified with XXXX that the XXXX payment was not returned. 

I called the next day and spoke to XXXX. Rude and unhelpful. She literally argued with me and cut me off. She then hung up on me. I called again and got the same person. She argued I did not hang up, I just stopped talking to you. Both times she refused to confirm where the XX/XX/XXXX payment was. 

Then, talked to XXXX. Gave him the right SSN but wrong loan number. He still found the account. XXXX the account was found, he proceeded to lecture me on the importance of the correct loan numbers for XXXX minutes. Also, he was still not able locate the XX/XX/XXXX payment. He did inform me that if I am a payment ahead, I can indeed pay in XXXX separate payments ( with a form completed ). 

To make matters worse- now EVERY time I call, I hear this is an attempt to collect a debt, any information will be used for that purpose message. 

Collect a debt?!?! I am attempting to pay a debt!! 

In short : Where are the XX/XX/XXXX funds? 

Also, Why is the customer service so ill-informed? And why is XXXX soooooooo argumentative and allowed to continue. I am literally JUST trying to pay my mortgage ( And find out where the XXXX payment is ). We have had many mortgages, banks, stocks, investments over these last 20 years. This bank is by FAR the worst in which I have ever dealt. And the worst part is we are stuck with them for at least a year before we can refinance.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Upon reviewing my TransUnion, XXXX and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

Dear Equifax, I am writing to dispute the accuracy and completeness of certain hard inquiries listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough investigation into the following inquiries : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Inquiry Date : XX/XX/2023 XXXX XXXX Inquiry Date : XX/XX/2023 I believe that these inquiries are inaccurate and/or incomplete. As a consumer, I have the right to ensure the information contained in my credit report is fair, accurate, and substantiated. I am requesting your assistance in verifying the accuracy and completeness of the inquiry history associated by conducting a re-investigation. 

Please provide the following information : Verification of the purpose of each inquiry. 
Documentation substantiating that I provided consent for each inquiry. 
Verification of the date and time of each inquiry. 
Confirmation that the information reported is complete and accurate. 

I understand that you are obligated under the FCRA to conduct a reasonable investigation within 30 days of receiving this dispute. I kindly request that you notify me in writing of the results of your investigation, including any changes made to my credit report as a result of the inquiry verification. 

Additionally, I am attaching a copy of my identification for your reference. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and appreciate your cooperation in ensuring the accuracy of my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-14
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have been sending dispute letters since XXXX last year and they have completely ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone way past the 30 day mark and can not verify the account under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete Account # XXXX XXXX. Please resolve this manner as soon as possible thank you
Consumer complaint received 2024-04-21
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. 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 XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) XXXXection 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-07
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Castle Peak Mortgage, LLC (TX)

I had applied for a VA Home Loan through Castle Peak Mortgage and after finding a better loan, requested that Castle Peak Mortgage ( former lender ) transfer the appraisal request of my new property to my current lender XXXX XXXX Upon the request Castle Peak insisted I pay for the appraisal before initialing the transfer. Castle Peak had not prepaid for the appraisal and it it not required that the appraisal be paid for before transferring. I was informed this was a company policy. 

I would like to point out that in accordance with Lenders Handbook VA Pamphlet 26-7, Revised Chapter 10 : Appraisal Process, Request from the Veteran to Change Lenders, Lender Responsibilities states : Lenders are expected to cooperate when a Veteran decides to change lenders. The lender who ordered the appraisal must transfer the case to the new lender when requested by the Veteran in writing ( including email ). An appraisal report and case number XXXX be transferred to another XXXX lender in XXXX XXXX XXXX XXXX of the original lender. The new lender should provide to the Veteran, their email address, phone number, and VA Lender ID number to be included in the Veterans letter to the original lender.

To my knowledge Castle Peak has not responded to my request to transfer the appraisal. Additionally their refusal to cooperate with me XXXX extend my closing date and place my home purchase and jeopardize my current loan rate.
Consumer complaint received 2023-08-07
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: Bread Financial Holdings, Inc. (MN)

These accounts and inquiries are not mine they was made without my permission, or consent, inquiries, COMENITYCAPITALXXXX Inquiry XX/XX/2021. All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
Consumer complaint received 2023-09-01
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. (GA)

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. 


Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-12-06
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)

In accordance with the Fair Credit Reporting act XXXX XXXX using 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (KY)

I contacted the company directly to dispute the debt they in turn sold the debt to a collection agency. I have disputed this debt 3 times already once was successful last year the two this year were not. I have not had service with the company since XXXX yet the debt is supposedly from last year at my previous address. I have had new service with a different company since XXXX. They refuse to remove the debt.