davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (CA)

From the end of XX/XX/XXXX until XX/XX/XXXX, approximately {$5000.00} worth of in-game currency was charged to my son 's account across various platforms such as XXXX XXXX XXXX XXXX XXXX XXXX, using XXXX 's XXXX and XXXX ID account via Apple Pay. I was astounded to learn that with XXXX 's Family Sharing, unauthorized transactions could be made using only the card number associated with the Apple account, without requiring the security code. Despite numerous attempts, my requests for a refund for these unauthorized charges have been repeatedly denied by Apple, and I have not received a clear explanation for the refusals. 

My specific request to Apple was to ascertain where these unauthorized charges originated from, given that the purchases were made while I had physical possession of my son 's XXXX. Apple insisted that all transactions were conducted from my son 's XXXX, yet there is no purchase history or any trace of in-game currency purchases on my son 's accounts for XXXX XXXX and XXXX. Consequently, I have urgently requested refunds from both XXXX and the respective game companies, as they have informed me that only Apple has the authority to issue refunds. However, Apple has consistently refused to take responsibility and denied all of my refund requests. 

I firmly believe that I have the right to request refunds for unauthorized transactions made on my XXXX son 's account. Furthermore, I am suspicious of potential hacking of the XXXX ID account. Apple 's payment system appears to be highly vulnerable, and as a result, I have suffered significant financial losses, totaling approximately {$5000.00}. I urge Apple to take responsibility and provide the refunds promptly.
Consumer complaint received 2022-11-09
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX XXXX .... Balance : {$5800.00} ; XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1200.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-11-09
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: TRUIST FINANCIAL CORPORATION (AL)

I got married and my car was due for registration this past XXXX. I reside in Alabama and originally financed a car ( in XXXX of XXXX ) through SunTrust, now merged with Truist. 
I have had nothing but hour long holds that end up getting dropped, phone calls for the same issue that never got resolved or was told multiple things for before prior to this issue I am filing a complaint for now. 

I went to my local DMV after being advised by Truist that I had to bring my updated marriage license and drivers license ( for my name change ) to the DMV ( since I do not live by a local branch anymore due to me being in the military ) so that they could send that along with a title request to Truist. XX/XX/XXXX was the first request sent over to Truist. 

It has now been sent over a total of SIX times from then. In the state of Alabama, a temporary tag can only be issued a total of 3 times. 

My last temporary tag expired on XX/XX/XXXX. 

I can no longer LEGALLY drive a vehicle that I am paying for. 

I went in for my second temporary tag on XX/XX/XXXX after calling the DMV and was notified that they had never received anything from Truist. I figured that it would take time and that maybe another month this issue would be resolved. It was faxed to a XXXX number AND a XXXX number after confirming with Truist the " correct '' fax number which was the first one listed. I let another month go by believing that the issue would surely be resolved. It was not. 

I went in for my third temporary tag on XX/XX/XXXX and was advised to call Truist and that my DMV would try to contact them since we had still sent over a request and never received anything. I called that day and called a couple days after and was told that the department was " 12-15 '' business days behind and to just give it time. 

Every time I contact an employee, it is something different from each person. The very last Truist representative I spoke to on XXXX XXXX gave me a number to the title center that deals with faxes XXXX. This was the first time after THREE months that she had told me that they had still not received any requests sent over ( a total of 6 as of XXXX XXXX ) and that I would have to initiate a name change request through CORPORATE. Not only has my information been being sent somewhere where no one knows, but this process is going to take " days '' after it has already been months. Every representative has told me there is nothing immediate I can do and that I would have to wait two business days before a manager can reach out to me. I am in a situation that is completely out of my hands. I was told that there was " never any note '' left on my account and absolutely " no record '' of any information sent. 

I am now losing money because I can not go to work since I can not legally drive a vehicle that I PAY for. I am in the military, along with my husband and neither of us are being taken care of.
Consumer complaint received 2022-11-09
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. (CA)

This is XXXX XXXX and I am submitting this CFPB complaint to request to the Credit Reporting Agencies to remove the inaccurate Personal information as well as the remaining unauthorized inquiries reporting on my Credit report. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove any fraudulent accounts and information reporting on my Credit report. I have been sending dispute lettesrs to the Credit Bureaus and have been waiting for their response and yet I received nothing! I have been waiting for their response but up until now, I haven't gotten anything from them. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX, and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. I am requesting this information to be reviewed for completeness and accuracy and appropriateness. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. If it is not too much to ask for, I want the following items removed from my Credit Report as soon as possible 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 2022-11-09
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not remove the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (TN)

I am writing this Complaint concerning the high interest rate on my Used XXXX  XXXX. I understood I signed all the paper work for the car and the interest rate. I am not struggling to pay the note but my concern is the interest rate being 21 percent. I know if I could get the interest rate lower the note will automatically get lower. This complaint or concern is for Credit Acceptance.
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-05
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Source Receivables Management LLC (LA)

Source receivables management has continued to violate a federal stay in my XXXX  XXXX bankruptcy proceedings. I filed on XX/XX/XXXX a week later I received a debt validation letter from SRM I contacted them and alerted them to the proceedings. They asked for my attorney information and number and I gave that to them. Since then on XX/XX/XXXX, XXXX, and XXXX I was contacted by SRM from a unknown local number. On XXXX when I answered the phone I asked the representative why was she calling me after I have given them the info regarding the XXXX  XXXX I advised her to contact my lawyer or the trustee. She confirmed on her end she received that info and quickly hung up.
Consumer complaint received 2023-07-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

NewRez removed my online account to where I could no longer make my payments. 
Instead, XXXX responds with false information stating they have tried calling, when what is really happening is a BOT is calling for me to call customer service. Absolutely no human being has attempted to call, period. 

I make principal payments monthly.
Consumer complaint received 2024-03-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: SANTANDER HOLDINGS USA, INC. (PA)

Commencing on XX/XX/year>, I fell victim to a XXXX XXXX operation orchestrated by XXXX XXXX ( the XXXX ), with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and/or sale of XXXX and XXXX XXXX XXXX  services, all of which aim at contributing to the goal of XXXX  and XXXX clients through a XXXX cycle of the XXXX XXXX to XXXX.
Consumer complaint received 2023-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

PHH Loan Servicing won't return my escrow refund. 

Account # XXXX Property Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX I called them on XX/XX/XXXX asking for my refund on a loan that was paid off on XX/XX/XXXX. 

I was told they had 20 business day from the pay off to mail XXXX a check ( XX/XX/XXXX ). 

I called on XX/XX/XXXX and asked about my refund. Agent ID XXXX told me the check had been mailed on XX/XX/XXXX. I questioned that b/c I called on XX/XX/XXXX and was told it would take a full 20 business days after my loan was PIF. 

I was routed to an escalation manager Agent ID XXXX who said they would over night me a check and he would call me to update me. 

I received no call back. 

I called today XX/XX/XXXX and was told by Escalation Manager XXXX that PHH had 60 days from the date of loan pay off to send me a refund check. I said that is simply not true. That I had in fact checked and the first operator that I spoke to on XX/XX/XXXX was correct. 

They told me they would not send me a refund check until a full investigation had been completed to locate the check. I said " full investigation? You just see if the check has cleared. 

They won't send me a new check. 

I have call logs on my phone showing when I called and how long I was on the phone.
Consumer complaint received 2023-06-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (GA)

Hello! I wanted to file a complaint against Chime bank. I understand theyre not a bank but my money was stored there. Ive been a customer for about almost two years, I never had an issue till XX/XX/XXXX. At XXXXXXXX XXXX all my savings was transferred to my checkings account. I see that my card was being used in XXXX XXXX Fl XXXX XXXX store XXXX. My card was used there three times. The first transaction was {$210.00} at XXXX the second one was {$210.00} at XXXX and the third one was {$200.00} XXXX. They proceeded to use my card at XXXX XXXX in XXXX XXXX Florida XXXXXXXX XXXX  XXXX for the amount of {$1.00} XXXXXXXX XXXX 
They still continued to make purchases, my card used at XXXX after the XXXX XXXX for the amount of {$3.00} at XXXX, second time for {$1.00} at XXXXXXXX XXXX and third time for the amount of {$11.00} at XXXXXXXX XXXX  That was the third time they used it at XXXX. They at last they used my card on the mobile app XXXX XXXX XXXX, the amount used was {$20.00} at XXXX. I never made any of these purchases. I live in a different state.I dont have family in Florida where the transactions were made, nor anybody that has access to my card and bank information. I never go into store multiple times making these type of transactions! My money was being used by someone that was unauthorized. I see that my claim was denied but Im not going to give up. This money was worked with a lot of hard work and sweat. I need every cent of it back! I never had a problem banking with chime but this will be the last time I do. I filed a dispute with Chime and they did their investigation I received an email saying my claim was closed on XX/XX/XXXX at XXXX. They told me no error was occurred therefore no funds will be credited to your account and this claim is considered closed. I feel like they are doing nothing to help me recover my funds I made a call today and they said they will send me my documents that they used during this investigation. I recommend everybody to save themselves some time and choose wisely on who to bank with. Below I attached the screenshots of where the purchases were being made and the amount with the time.
Consumer complaint received 2024-03-08
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. (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.

has violated my rights. Or a 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 2024-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I constantly check my credit report and noticed that the errors are false misleading information from individual accounts did not quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items.
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Trans union has deleted a credit card account thats in good standing over 2 years. This has caused my score drop about 50 points recently. The card issuer is XXXX XXXX XXXX XXXXXXXX. I have called trans union and they have no clue what Im talking about. This account is open and in good standing. Please help me get this back on my credit file.
Consumer complaint received 2022-11-09
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. (PA)

As a Consumer of the FCRA and FDCPA I have notice quite a few Violations on my Consumer report that is being reported from the following agencies ; EXPERIAN, XXXX and XXXX. It goes from Violations of Right to Privacy, Identity Theft, Billing Errors, Permissible Purpose. The list goes on. I have never given anyone Consent to furnish anything on my consumer report. And I DEMAND all Accounts/ Inquiries that I am disputing be remove IMMEDIATELY. Thank you in advance.
Consumer complaint received 2018-04-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (IL)

Ocwen Retention department has all the documents requested to finalize my modification per my relationship manager XXXX. However, Ocwen Retention department refuses to give me a modification because ever 90 days and this has been going on and on saying my documents have expired. My relationship manager said he sibmitted all of my documents and still know resolution. I was told because I have no bank account from a call from another rep on XX/XX/2018 my modification can not be aoproved.
Consumer complaint received 2022-11-09
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. (PA)

As a Consumer of the FCRA and FDCPA I have notice quite a few Violations on my Consumer report that is being reported from the following agencies ; XXXX, XXXX and TRANSUNION. It goes from Violations of Right to Privacy, Identity Theft, Billing Errors, Permissible Purpose. The list goes on. I have never given anyone Consent to furnish anything on my consumer report. And I DEMAND all Accounts/ Inquiries that I am disputing be remove IMMEDIATELY. Thank you in advance.
Consumer complaint received 2022-11-09
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX creditor : XXXX -Account XXXX XXXX XXXX XXXX XXXXOriginal creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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