davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (OH)

On Tuesday XX/XX/XXXX of 2022, my Chime bank account got hacked and the phone number got changed at XXXX XXXX My money from my savings account {$400.00} was transferred to my checking and sent to a XXXX XXXX whom I do not know or did I allow this transaction. When I woke up immediately called Chime told them what happened they told me to email the support team for the investigation team to look into and I should get my refund pretty much. I explained in my email what happened and what they told me on the phone so they sent an email back saying they will review my account. I also filed a dispute on my Chime account on Tuesday XX/XX/2022 as well, all I got on Tuesday was emails stating they are investigating and I should hear back soon. On Wednesday XX/XX/2022 at XXXX XXXX  is when they sent me an email stating no error occurred therefore no funds will be credited to my account. So I then call chime customer service very confused as to why this happened because I had an unauthorized transaction and I should get my funds. Going back and forth with them talking to a supervisor anyone I can, they said I can file a rebuttal to reopen the claim so we proceed with this on Thursday XX/XX/2022 at XXXX XXXX. I sent a screenshot of the text my phone got saying my phone number for Chime was changed and explained my situation again. I get an email on XX/XX/2022 at XXXX XXXX  stating they reviewed my documents but still finding no error occurred and considered this matter closed. At this point Im very upset, I email asking what can I send to prove my account was hacked and I call chime customer service again and speak to anyone I can to help they all say it isnt up to them its only up to the investigation team and I can only speak to them through an email. As of Saturday XX/XX/2022 I talked on the phone with someone and said I had enough evidence to receive my refund and he then reopened my claim. I sent an email again to support chime services with screenshots and explaining to them I spoke to someone over the phone saying I had enough evidence. On Sunday XX/XX/2022 I got the email once again saying they do not find that I provided any additional information to consider related to my claim and said no error occurred claim is closed. I called again on Monday XX/XX/2022 asking if there is anything else I can do because at this point I am furious this is my hard earned money and nothing Im doing is working to get my money back. They say there is nothing more we can do and they apologize, I emailed again asking what I can do to show any more proof because that is my money and I should get it back. I emailed today asking for documentation showing how they concluded that no error occurred.
Consumer complaint received 2024-03-11
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. (TX)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (WA)

Dear CFPB, Discover Card : XXXX Please allow this letter as a complaint and an appeal for the check returned fees and the interest charge on my Discover account for the billing of XX/XX/2022. On XX/XX/2022, I made a purchase on XXXX XXXX with my Discover Card with the amount of {$3900.00}. Before making the purchase, my Discover balance is {$0.00}, therefore, with the purchase coming in, it makes my balance to be {$3900.00}. I then returned the whole purchase on XX/XX/2022 and then XXXX XXXX confirmed refund and released the credit back to Discover on XX/XX/XXXX. Because of Discover delay in processing the credit back to my account, only a partial of the credit posted back to my account before XX/XX/2022 which is the due date for the Billing Cycle. That makes the balance left over to be {$1700.00}. They then processed the auto pay for the that amount to my checking account, however, that payment was returned because I did not expect that payment therefore I did not put enough money in my checking account. They then charged me Returned Payment fee of {$30.00} and interest of {$23.00}. Until XX/XX/XXXX, all the refund from XXXX XXXX are posted back in my account. That makes my account balance to be {$53.00} because of the interest and return payment fee. I contacted them many time on XX/XX/2022 and XX/XX/2022. Non of their manager know what to do and understand the story. I asked them to waive the fees and interest because all other banks do that when they delay the process of clearing for the refund credit. Once the refund credit posted, those fees should be reversed. As those are related to the purchase charge originally. They refused to help me.
Consumer complaint received 2024-03-11
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. (NJ)

FOR CFPB I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-09-29
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. (GA)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3500.00} ; XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX  XXXX Balance : {$17000.00} ; XXXX XXXX
Consumer complaint received 2023-06-12
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 (NY)

- XX/XX/12 XXXX -- I marked as unathorized, company did not respond - XX/XX/12 XXXX -- I marked as unathorized, company did not respond
Consumer complaint received 2024-01-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA (MD)

Please, see details and exhibits on the my own site XXXX XXXX XXXX XXXXXXXX This is report : I have been a loyal GM Mastercard user for ~20 years. During this period, several banks was card providers, and currently this is Marcus from Goldman Sachs. On XX/XX/XXXX, I received a promo-offer from Marcus - spend {$200.00} on restaurants and other activities during XXXX and receive a {$50.00} reward, see screenshot of the offer. 

Believing the promises, I took advantage of the offer and made several purchases at restaurants in the amount of {$200.00} during XX/XX/XXXX. Look at the transaction history screenshot from Marcus. You see several restaurant purchases, and ( oh surprise ) - the last purchase for {$50.00} is marked as made on XX/XX/XXXX! 

Although the scan of the cash receipt from XXXX clearly shows that the purchase was made on XX/XX/XXXX. Thus, we see that Marcus decided to cheat and avoid paying {$50.00} by falsifying the date of the last transaction, changing it from XX/XX/XXXX to XX/XX/XXXX, and thereby avoiding payment. 

I contacted the support chat, but the GS representative XXXX refused to adjust the date of the transaction, or credit the account for {$50.00} to compensate for the lost money, see the copy of the chat. Thus, there is an attempt by GS to evade fulfillment of the promise, as well as a refusal to correct the " error '' in the process of direct negotiations. 

I am contacting you with the purpose of : Make GS admit its " error '', and still credit the promised {$50.00}, the conditions for receiving which were fulfilled by me. 
Due to the fact that GS has shown itself to be an unscrupulous financial institution with whom it is dangerous to do business, I want to terminate relations with it. Therefore, I ask you to force GS to pay me the accumulated rewards, ( as of XX/XX/XXXX - {$2600.00} ), by sending a check to my address, then I am planning to close the card, and stop relationship with GS.
Consumer complaint received 2021-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-01-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (CO)

I've been attempting to get my XXXX  owners insurance issues with the escrow fixed since XXXX when I bundled it with my XXXX  insurance. I paid the home owners in full for a year but they're still tacking it on my XXXX XXXX XXXX after I've asked repeatedly to get it removed from my payment. It makes it harder to change company 's as rates change. I've been told I'll get a follow-up with the escrow department for months now and have yet to hear back or get the letter in the mail they claim to be sending. I've also made payments and it states I haven't but they have my money. I've not been happy with Freedom Mortgage since our loan was bought and have no recourse. I've gotten feedback I need to do everything through their secured messages on their app when it decides to load. And if I attempt to attach files, it starts over. I am fed up at this point waiting and now it's going to affect my XXXXXXXX XXXX  payments which is making it harder on my budget.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (MI)

Certified Mail # XXXX XXXX XXXX XXXX XXXX To Whom it May Concern : I trust this message finds you in good health and spirits.

I am reaching out to formally notify you of my decision to opt out of all authorizations, whether written, unwritten, or verbal, as outlined by the Fair Credit Reporting Act ( FCRA ), in my capacity as a federally protected consumer.

In accordance with 15 USC 6802, I am exercising my right to revoke any previously granted authorizations. Consequently, I kindly request that any further use or disclosure of my information under such authorizations be ceased immediately.

I am seeking your acknowledgment of this request and kindly request written confirmation that my decision to opt out has been duly acknowledged and implemented.

Your prompt attention to this matter is greatly appreciated. Thank you for your cooperation.
Consumer complaint received 2023-01-25
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. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2024-01-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Southern Auto Finance Co (GA)

We mailed in a payoff check on XX/XX/. The company SAFCO still has not received it allegedly but keeps saying it's probably delayed but are you going to make another payment? They keep stating you should just cancel the check and I replied no, why would I do that. This led me to believe something was not right. The reps say there is no way for me to contact accounting myself and they just sent them an email because it should be there if I sent it on the 22nd. It seems they allegedly did not receive it so they can continue to get interest payments. It has now been eleven days and still no payoff applied. I had to make an extra payment on the car Friday so it more money for interest with them.
Consumer complaint received 2023-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DE)

XXXX XXXX has reported me as late 3 times on my Auto Lease account. Once in XX/XX/XXXX, again in XX/XX/XXXX, and in XX/XX/XXXX. I have never been 30 days late on this account as reported on my credit bureau reports. I have asked XXXX XXXX for proof of these late payments and have never received bank statements or any other documentation showing that I was late on these payments. I have not received anything.
Consumer complaint received 2023-09-29
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. (CA)

This is my second 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 XXXX XXXX XXXX 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 2023-09-29
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. (MD)

I sent off a letter on XX/XX/2023. Here are my tracking # 's ( XXXX ), ( XXXX ) To remove personal information i do not want on my credit report. According to the fair credit act 15 USC 1681. I have the right to privacy.Also according to 15 USC 6802.No financial institution is not suppose to share my information to third party people. 
These are clear violations of my federally protected consumer rights.
Consumer complaint received 2023-09-29
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 2023-09-29
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 2024-01-02
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: FC HoldCo LLC (NJ)

I have 4 inquires on my credit report that i would like removed and deleted. I did not authorize these companies to run my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-13
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-06-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Physicians & Dentists Credit Bureau (WA)

On XX/XX/20 Received a quote to fix my tooth after thr insurance my balance was {$650.00} Which I was agre to pay in three payments. After I paid everything I was told that there estimate was off and I still need to pay another {$740.00} which I didn't pay because it wasn't my responsibility to pay I paid what I was told to pay, If I was told that my tooth was going to be {$1400.00} I would never agree to fix it in the first place.