davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-24
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 (MI)

XXXX RE : Account Number : XXXX Claim ID : XXXX Dispute Type : Debit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$230.00} XX/XX/XXXX, my phone alerted me that three different transactions had been made with my card that I did not authorize. The merchant listed on the app was XXXX I tried to make a dispute on the app when I was able to and also called to make sure it has been done properly. I have never been on that website and I did not make three different transactions on it. 
Please reopen my case and investigate this situation.
Consumer complaint received 2021-04-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (FL)

Attempted to deposit XXXX $ into the Binance.us exchange on XX/XX/XXXX, deposit failed from the Binance.us side, however XXXX was taken out of my bank account and now that XXXX is missing since.
Consumer complaint received 2022-01-24
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. (IL)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-01-24
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. (IL)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-05-11
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: EQUIFAX, INC. (FL)

I am writing to you regarding the situation that happened with me recently. I just checked my credit report I found there inquiries and accounts that are not mine, I guess someone just simply used my personal information so could you please let me know what shall I do with it is, as its destroying my financial situation and I can not move on absolutely .... I hope that this misunderstanding and misleading information will be destroyed.
Consumer complaint received 2021-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (FL)

On Friday XX/XX/XXXX I walked into PNC Bank located at XXXX XXXX XXXX XXXX XXXX Florida XXXX and was approached by Banker XXXX. I needed to do a wire transfer. XXXX stated with my account there was no fees for the wire transfer. I gave him all the information, he printed the paperwork and I signed it then he signed. I ask for a copy as I needed proof of the wire transfer and he stated no I can not get a copy. I ask him why? He stated he is not going to give me a copy. My daughter explained why we needed the proof of the wire transfer as it was evidence of transmittal for the good faith deposit purchase of a new home. He refused but then he told us blatantly Im refusing to service you, you can leave now. Shocked at his statement my daughter stated " You refuse to service us because we ask for a copy? '' he stated yes you can leave. then he turned to the customer behind us and stated " sir can I help you ''. The customer stated loud no you need to help them I will wait. We were shocked at his behavior. We ask him for his name he stated no he is not going to give it. Then we ask for a card with the bank address. He stated we can google it. He REFUSED SERVICE. I then ask him to cancel the wire and if he could shered the cancelled document. He stated he will not he put it in the top draw. I informed him since I am being refused service for asking for a copy I will like to close my account and withdraw out all my money. He stated if I drew out my money he can not give all my XXXX just XXXX, XXXX. I ask for a manager and he stated none was in the Bank.

I proceeded to leave when another Banker ushered me into his office apologized and processed the wire transfer. This Banker name XXXX informed me there was no fee for the wire transfer and he gave me a copy. 

To add insult to injury they charged me a {$30.00} fee in which i noticed today XX/XX/XXXX
Consumer complaint received 2022-01-24
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

-PLEASE READ CLAIM IN FULL AND COMPLETELY DO NOT TAKE LIGHTLY -ALSO PLEASE VIEW ALL ATTACHMENTS I FULLY and I mean FULLY understand my rights as a consumer and willnot be stopping until I get what is due to me, I am not a person that is going to be blown off by these generic responses. So now I will be putting you all in litigation ( I have attached my attorney general complaint to show I am extremely serious ). This is my 3rd and final complaint on this issue I have tried to solve this with you all yet you are blowing me off. I am seeking monetary compensation for furnishing inaccurate things on my credit report. You all have closed my complaint saying because you have removed the things I am not due to any monetary compensation which is not true. You have broken the law by simply inserting the things on my credit report regardless if they were deleted or not. If you followed your procedures as the FDCPA insturcted you to do to obtain maximum accuracy the things would have never been there in the first place. So therefore you have broken the law if a crime is committed then a crime is committed those things on my consumer report were up there for many months before I got them removed. Which means you have hurt my ability to obtain credit during that time by having those things furnished on my report.. So this is my writing to let you all know now I will be filling suit against you in court and my attorney general has already been contacted. I will give you 15 days to respond before I go put my lawsuit in. I am also saving all of these cfpb complaints to use as exhibits in court I have attached my attorney general complaint already to let you all know that I am serious. As well as last responded CFPB complaint as well as my initial attachemts with my notarized affidavit, certified mail receipts, invoice and prior XXXX complaints.
Consumer complaint received 2022-01-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (VA)

I have a home mortgage with Rocket Mortgage. They suddenly sent us an email on XX/XX/2022 that our mortgage will be transferred to another company called XXXX on XX/XX/2022, and Rocket Mortgage will not accept my payments starting XX/XX/2022. 

It's really a short notice ( 10 days ) which give us little time to process it, and we don't get any notice from the new company to setup account and payments yet. I think it against the regulation, and I need your help to cancel this transfer in order to avoid the troubles to make payments.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : - XXXX || ACCOUNT NUMBER : XXXX
Consumer complaint received 2022-01-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CSO Financial (OR)

Early XXXX - late XXXX I called CSO financial to set up payments on my account. 
I was told I was unable to make any payments as they were suing me- and I had a pending judgement and had to wait to be served. 

Next month my ENTIRE bank account- leaving a balance of literally {$0.00} was garnished- which is also a joint account with my husband. 
Both bank accounts to be exact. 
Total taken was about {$2500.00}. 

I had other pending charges- and bills due and now face overdraft fees, NOR have money to even buy food or gas for my children. 

No notice of garnishment. No notice of judgement - wouldnt even accept Payments when I Tried. 

I believe they should have left some money in the account- how are people supposed to live?
Consumer complaint received 2022-01-24
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. (TX)

Notice, it is a fact, affiant is aware, transactions authorized by my credit card, and credit card is defined in both FCRA and has the same as the definition in TILA as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Thus making my social security card a credit card. This account was authorized by my social security card, a credit card and therefore must be excluded from my consumer report. This reported information published on my consumer report shown in Exhibit A for XXXX XXXX Account number XXXX. This is a violation of 15 U.S. Code 1681a ( 2 ) ( B ) and must be removed.
Consumer complaint received 2022-01-24
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. (TX)

Notice, it is a fact, affiant is aware, transactions authorized by my credit card, and credit card is defined in both FCRA and has the same as the definition in TILA as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Thus making my social security card a credit card. This account was authorized by my social security card, a credit card and therefore must be excluded from my consumer report. This reported information published on my consumer report shown in Exhibit A for XXXX XXXX Account number XXXX. This is a violation of 15 U.S. Code 1681a ( 2 ) ( B ) and must be removed.
Consumer complaint received 2022-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NV)

Hello CFPB, XXXX XX/XX/XXXX I enrolled in Freedom Mortgage 's auto payment option on their website. After enrolling I did not think much about it as I put all my bills on automatic payments. It was on XX/XX/XXXX that I was notified that the XXXX payment was not received. I went through my bank records and they never took out the mortgage payment. I paid it manually as well as the month of XXXX and even paid an additional month. I called Freedom Mortgage to also inform them that the payment was made and to ask why the account was not enrolled in autopayments as I had done on their website. The representative was not much help but apologized and confirmed that the account was now set on auto payments. 
The following month in XXXX is when I found out that Freedom Mortgage had actually reported that I missed the payment for XXXX and my credit had taken a massive hit. I called Freedom Mortgage to inquire about why they reported this and how we could get it taken off. They have been nothing short of unprofessional and incompetent. They are saying that its not their mistake and that they will not remove the late payment. They are asking for " proof '' that I paid them and I have explained that there is nothing to provide since they never processed my auto payment enrollment. 
I have gone back and forth with them several times and keep getting the same response that this is not their fault and they will only correct an error on their part. Communication occurred on this with them on XXXX, and XX/XX/24. I have never experienced this level of subpar customer service and unprofessionalism from an organization. This will damage my credit for years and they will not do they slightest thing to take responsibility for their system or their actions. I have nowhere else to turn to at this point but to ask that you look into this get some sort of resolution.
Consumer complaint received 2022-01-24
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. (TX)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

This account was opened due to stolen identity, and was never remover after years of back and forth with Experian Credit Bureau. Now this account has passed the statute of limitation and the date of last activity which is 6 years in Minnesota. It is still on my consumer report. I have sent several request and it is still not removed Account name XXXX XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {XXXX}, XXXX written off. 
Status updated XX/XX/XXXX Balance {XXXX} Balance updated XX/XX/XXXX Recent payment $ XXXX Monthly payment {XXXX} Original balance {XXXX} Highest balance {XXXX} Terms NA On record until XX/XX/XXXX XXXX
Consumer complaint received 2022-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (UT)

I was on a promotional period with Synchrony bank that ended in XX/XX/2021. In XXXX of 2021 I was offered an assistance program to extend the no interest for 60 months and have a set payment of {$90.00}. Synchrony has now added the interest to my account even though I am on the assistance plan extending the 0 % interest. They have refused to help with with resolving the issue even though they acknowledge I am on an assistance plan. They will waive the interest if I pay the promotional balance off today.
Consumer complaint received 2022-01-24
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: Experian Information Solutions Inc. (CA)

I filed XXXX XXXX  Bankruptcy on XX/XX/XXXX. XXXX XXXX XXXX  is reporting my Payment Status on all three credit bureaus account as a collection/charge off as of XX/XX/XXXX.
Consumer complaint received 2022-01-24
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Global Lending Services LLC (IN)

The morning of XX/XX/2022 Global Lending Services behest XXXX XXXX  and XXXX XXXX, to repossess/steal my property my automobile from in front of my place of abode. 
Pursuant to 15 USC 1692f ( 6 ) ( A ) ( B ) ( C ) Unfair Practices. Global Lending Services used unfair and unconscionable acts to have my vehicle repossessed. This towing company is an uninterested party who was not there during a private consumer credit transaction! 

I XXXX XXXX, original creditor, and natural living breathing person have sent Global Lending Services 3 Affidavits, 3 cease and desist letters, along with a debt validation letter. Global Lending Services did not rebutt neither of the three affidavits I sent, Global Lending Services honored half of my cease and desist stating they would stop calling but I would still have to pay this alleged debt, violation pursuant to 15 USC 1692b ( 2 ). When I the natural person requested for debt validation Global Lending Services sent me statement history pursuant to 15 USC 1692g the 5 items required by Congress for a debt collector to send does not mention a payment history. Global Lending Services failed to produce these documents they are not liable. 

I do not have a contract with Global Lending Services neither with the towing company Global Lending Services sent to my place of abode to steal my property without my knowledge or consent. I did not personally give Global Lending Services nor the XXXX XXXX sent by Global Lending Services my personal information which is a violation of my privacy from both companies pursuant to 15 USC 1692 ( a ) Abusive Practices as well as 15 USC 1681 ( a ) ( 2 ) I have denied these alleged obligations of this debt to both elaborate mechanisms and will be holding both companies accountable for causing such emotional distress to not only myself but as well as my family. The automobile was the only means of transportation for family purposes, doctor appointments, school, and other household purposes we have missed due to these illegal actions. This illegal act has caused XXXX, trouble sleeping, embarrassment, Ive also lost confidence is the banking system. 

I am holding Global Lending Services accountable for violating my consumer rights
Consumer complaint received 2022-01-24
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: FinCo Services Inc DBA Current (MN)

We opened a teen account with Finco Services , Inc. d/b/a Current that has an annual fee. That account was no longer desired, and we attempted to close it. When we opened the account, the parental funding source was verified. During the time we had the account our bank was purchased and/or merged with another bank. My funding sources with Current then accordingly needed to be updated. Current now claims it is unable to verify my bank account as a funding source and is unable to close our account until funds have been withdrawn. Yet Current provides no opportunity or option to easily withdraw my funds. 

I have chatted with multiple representatives, and all of them have been unable to assist. They all just tell me the easiest way to withdraw money is through my ACH XXXX XXXX, but they do not recognize that their platform is unable to verify my funding source. The effect of this is that my money is being held hostage by Current. I spent all morning on XX/XX/22 with several representatives. The first one explained that a record of the chat would be stored so that I would not have to start from the beginning with a new rep. The second rep advised that no records of chats are stored. I finally had a representative allegedly agree to process a paper check, but I will not be receiving a check for at least 14 days, and I do not have faith that I will receive that money. The total os {$490.00} of my child 's money. A review of this website and Current 's social media websites reflects that a number of people have the same complaint about the difficulty of closing an account with them and retrieving money out of accounts. 

I also advised them that I have attempted on multiple occasions to close the account to stop being charged the annual teen account fee, and yet I have been charged that fee repeatedly without consent.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following account need to be removed : XXXX Account XXXX : XXXX As a consumer by law, this account must be deleted immediately
Consumer complaint received 2022-10-16
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: EQUIFAX, INC. (SC)

Someone has access to my personal information and is opening up accounts in my name. Ive contacted all three credit bureaus so they can fix this, and theres still accounts remaining on my credit report that is not mines.
Consumer complaint received 2022-01-24
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: Experian Information Solutions Inc. (NY)

I have reviewed my consumer report and find that there is a late payment being reported. Due to the law stating the exclusions to a consumer report, transactions and experiences between the consumer and the person making the report should not be furnished this should not be reporting in such a manner.
Consumer complaint received 2022-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.