davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX On XXXX XXXX XXXX there was a series of unauthorized transactions that were charged on my Bank of America checking account. I did not receive any fraud alerts or notifications to confirm charges. On XX/XX/XXXX after login in to my online banking, I discovered the fraudulent charges and immediately notified Bank of America. I disputed the fraudulent transactions and was told that I would receive a residual credit in 10 days. On day XXXX they denied the dispute. I contacted Bank of America to find out the reason for the denial and the rep stated that the notes said that I " told the agent taking the claim that I wrote my pin number on the debit card. '' I told the rep that I never said this and that they could replay the phone call because I knew the calls were recorded. The rep stated that she would re-open the claim for reconsideration. 3 days later they denied the claim again but with different reasoning. This time I was told the reason for denial was because the account was never depleted. ( Basically stating that if a fraud had occurred, the account would be empty ) I was giving no other means of appeal. Unauthorized charged are listed : 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 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 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 2023-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-27
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: Experian Information Solutions Inc. (NY)

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified several accounts that are reporting late payments inaccurately. I have contacted the companies associated with these accounts, and they have confirmed that the late payments were errors and have agreed to update my account and remove the late payments.I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect these corrections. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc (PA)

Someone Txted me about sending them money and they will send me double back. I thought about it then changed my mind. After I Said nvm he got mad, blew up my phone n somehow found a way to hack my account n send him money. He took everything out.
Consumer complaint received 2022-11-08
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: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (FL)

Today Sunday the XXXX I spoke with the following representatives from credit Karma XXXX, XXXX, XXXX a Supervisor, XXXX, XXXX, XXXX, XXXX, XXXX, @ phone number XXXX XXXX I sent my Drivers License, and utility bill to recover my account when they promised to correct the problem they lied over XXXX emails and they stated they were in XXXX and XXXX XXXX. I applied for a credit card got approved through a bank card to then be locked with my personal information exposed.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

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 2023-11-27
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I planned on selling my vehicle on the week of XX/XX/XXXX. I shopped around and received different quotes from local dealerships. XXXX XXXX at XXXX offered the highest trade in value. When they ran my payoff account, it was {$24000.00} if paid by XXXX XXXX. I sold my vehicle on XXXX XXXX. Suddenly the payoff amount changed to {$25000.00}. I called Toyota Financial and the lady said that the payoff amount increased to include next months bill. Why would you post a due date for a payoff amount and then change the payoff amount before the previous payoffs due date? The dealership said that they have to follow the new payoff amount but the TFS representative assured me that I would only be charged the {$24000.00} amount because I am paying before the XXXX XXXX due date. The dealership submitted the payoff amount of {$25000.00} on XX/XX/XXXX and I noticed on TFS website it only shows that {$24000.00} posted. I called and TFS is claiming thats the amount the dealership submitted but the dealership is claiming that they were only allowed to submit amount of {$25000.00} and TFS is supposed to write me a check for the overpayment. Its been almost 2 months and TFS has yet to send me a check for the overpayment of {$350.00}
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (CA)

My online account with Experian was hacked XXXX times in the past 6 months. Every time I call Experian membership service, change password, email, pin, address, place security freeze. Next hackers gain access of my account somehow and change all my personal information and fraudulently apply for credit. Strangely Experian never sends me text alerts when hackers try accessing my account which makes me suspect this is an inside job. For unclear reason Experian can't safeguard my account and nobody at the company helps me.
Consumer complaint received 2024-05-22
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: NEW YORK COMMUNITY BANCORP INC (NY)

I am XXXX XXXX XXXX and Flagstar approved me for for an affordable loan modification but the payment was {$7000.00} per month. My original mortgage payment was {$3000.00} per month and while I knew the payment would increase I never thought it would more than double. They knew that I would not be able to make such a payment so the modification was a bad faith attempt from flagstar to capture my property through foreclosure. They would not negotiate until I reported them to the Consumer Financial Protection Bureau ( CFPB ). They promised to send a new more Affordable modification payment but they never sent the updated contract/agreement. 
Instead they made me continuously apply for modifications requesting more and more documentation as if they forgot that they already approved me and THEY WERE SUPPOSED TO SIMPLY SEND ME A NEW CONTRACT WITH A LOWERED PAYMENT. 
My property has a new scheduled foreclosure sale date for XX/XX/year>. I have no new modification agreement although they promised me XXXX. 
On XX/XX/year> FLAGSTAR Bank sent me a letter with a Single Point of Contact person by the name of XXXX XXXX, that would supposedly help me to get my modification in order. Ive called her to no avail and have now been told that there is No Such person working in the Flagstar Loss Mitigation Department! The Bad Faith and now Fraud continues to plague the whole process of me keeping my home! 
After realizing that I was being defrauded and distracted while the XX/XX/XXXX Foreclosure sale date nears, I sent In a new modification application on XX/XX/XXXX which they claimed can not be processed because its less than XXXX until foreclosure sale- although I was already approved? 
My home is currently in jeopardy because of XXXX intent to continuously use deceptive practices to take my home. They are using Elder Financial Abuse tactics and I need help!
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

IVE RECENTLY CHECKED MY CREDIT REPORT & FOUND SOME UNAUTHORIZED ACCOUNTS, WHICH IS CAUSING ME A LOT OF STRESS ITS SO FRUSTRATING & ITS NOT FAIR TO ME BECAUSE I AM IN THE PROCESS OF GETTING MY HOME I DO NOT RECALL NOR AUTHORIZED ANYONE TO APPLY FOR THIS AND THIS IS HOLDING ME BACK, PLEASE GET THIS REMOVED & RESOLVED ASAP. THANK YOU.
Consumer complaint received 2023-11-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Alorica Inc. (NC)

I believe the account is invalid. SSTXXXX needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.SST/XXXX XXXX
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2023, I sent a certified letter to TransUnion asking them to DELETE various items and incorrect information reporting on my consumer file. On XX/XX/2023, instead of receiving the status of their investigation, I received a letter stating that they were not processing my dispute because they believe I am working with a Credit Repair Company. With the original dispute letter I sent to TransUnion, I attached a copy of my current Driver 's license along with a Utiity billl confirming an address. I have attached a copy of the original dispute I sent TransUnion along with the " Stall Letter '' that I received from TransUnion. I initially pointed out to TransUnion that their were inquiries into my credit file without getting my permission first. This isn't possible unless they had my permission to do so according to U.S Code & 1681 es seq section 604, which states that all users of my personal information must have a permissible purpose. Please remove this or send me documentation proving how this inquiry is permissible. Pursuant to FCRA 623 ( b ) ( 1 ), FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ).
Consumer complaint received 2023-09-21
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. (KY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report. XXXX XXXXXXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX XXXXalance : {$2800.00}.
Consumer complaint received 2023-09-21
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. (GA)

I am writing to formally file a complaint against XXXX, TRANSUNION, & XXXX, regarding a violation of my rights and the inaccurate information being reported on my consumer file. This inaccurate reporting has not only caused financial distress but has also had a severe impact on my mental wellbeing, resulting in XXXX for both myself and my family. 
I BELIVE XXXX, TRANSUNION, AND XXXX, has violated the Fair Credit Reporting Act ( FCRA ), specifically Section 611, which mandates that consumer reporting agencies maintain accurate and up-to-date information on consumer files. In reviewing my credit report, I have identified the following inaccuracies : These inaccuracies have had a significant and detrimental impact on my financial profile and my ability to secure credit, loan approvals, and reasonable interest rates. Despite repeated attempts to rectify these errors, I have not received a satisfactory resolution from XXXX, TRANSUNION, AND XXXX I would like to bring to your attention the profound impact that this situation has had on my mental health and the overall well-being of my household. The constant XXXX XXXX  and uncertainty caused by these inaccuracies have plunged my family into XXXX, affecting our quality of life and ability to function optimally. 

I kindly request the Consumer Financial Protection Bureau to immediately investigate this matter and take appropriate action against THEM. I believe that the inaccurate reporting and their failure to rectify the situation has not only violated my rights under the FCRA but has also caused significant harm to my household. 

Please find enclosed copies of supporting documents, and evidence of the impact on me and my family 's well being. I trust that the CFPB will act promptly and diligently to rectify this situation Thank you for your attention to this matter. I look forward to a swift resolution and justice being served.
Consumer complaint received 2023-11-08
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: Nelnet, Inc. (CO)

A Parent Plus Loan application and credit inquiry were submitted without my permission. The two colleges my children attend and the Dept of Education deny utilizing my social security number and submitting an application for a loan without my permission. I have contacted Federal Student Aid and the Dept of Education Inspector General on multiple occasions since that occurred and was told that they are unaware of who is responsible for this federal crime. The agency that appears on my credit report on XX/XX/23 is the Dept of Education and I received a letter that my loan application was denied. This has adversely affected me because I had approved loan applications on file with both colleges and someone submitted another application that was denied which caused the previous application to be rejected. I am now being asked to pay for over {$30000.00} in educational expenses. I did not submit the application on XX/XX/23 and each agency that I contact informs me they aren't aware of who did. The Dept of Education will not take responsibility for the loan application or credit inquiry that appears on my file, although their name is reflected on my credit file. I have a police report with my local county asking for assistance with holding whatever entity responsible for unlawfully using my social security number, submitting an application in my name, and accessing my credit file.
Consumer complaint received 2023-03-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NC)

Comenity Bank repeatedly calls me up to 10-15 times a day for payment on my credit card. Sometimes they call from a blocked number, every other minute. They have somehow gotten my mother 's phone number and have left her voicemails saying that they have attempted to call my place of employment- which is in fact illegal. She has kept these voicemails and they include the names of the representative. 

I also have a voicemail from representatives XXXX and XXXX on XX/XX/2023, stating that he recommends that it would be in my best interest to contact him with the name of my attorney, and if not, then to call him.
Consumer complaint received 2023-09-21
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: Experian Information Solutions Inc. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-16
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: RFNA, LP (GA)

I fell behind in my payments and received a consent judgment from Republic Finance. I meet with the manager and we worked out a payment of {$250.00} a month. This was in XXXX XXXX. At the meeting I made a {$500.00} payment cash/check. The payment was suppose to be taking from my checking account or that was what I thought was the agreement. On XX/XX/, I received a garnishment writ concerning I have not made payments. When I talked to the manager of Republic Finance and her comment was I am sorry for the miscommunication. I asked her why no one called and left a message to call, why no correspondence or late notice from the company during XXXX, XXXX, or XXXX. They told me a call was made in XXXX, however when I looked at my phone I received no call and if they did call there was no message to call their office. I have the companies name on my cell phone so if they called it would have pop the name up and if they called and left the message, I would have returned the call. I am fairly sure that I was at least entitled to a phone call, email or even a letter to contact them in XXXX if there was a problem with the payment plan. I would like the CFPB to help me obtain the correspondence that efforts were made on their part before the garnishment was executed. Which is proper collection procedures for any company, bank or credit union. I also want the garnishment withdrawn and a proper payment plan reinstated. Thank You XXXX XXXX
Consumer complaint received 2023-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (WA)

On XX/XX/2023 I filed a claim with U.S. Bank to report a fraudulent transaction on my checking account. The fraudulent transaction was for {$3300.00}. 

On XX/XX/2023, instead of reversing the fraudulent charge, I discovered that U.S. Bank accidentally reversed a paycheck deposit from my employer for {$3400.00}. After speaking with U.S. Bank on XX/XX/2023, they realized they must have mixed the transactions up. 

Because of these 2 issues, I am currently missing {$6800.00} from my account, and have almost nothing in my account.
Consumer complaint received 2023-12-21
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-07-24
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. (CA)

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 accounts 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 XXXX XXXX and XXXX XXXX