davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (FL)

As today, XX/XX/XXXX, my neobank Chime in which ive had for over XXXX years sent me an email this morning stating the following : XXXX XXXX, Following a recent review of your Checking Account, we regret to inform you that we have made the decision to end our relationship with you at this time. Your Checking Account will be closed on XX/XX/XXXX. 

Once your Checking Account is closed, a check for any remaining balance will be mailed to you within thirty ( XXXX ) days of XX/XX/XXXX to the address we have on file for you. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX If this is not your current address, please notify us in writing at XXXX within 5 days of receiving this notification to make any necessary updates. 

If you have a Chime Savings Account, per the terms of your Deposit Account Agreement, your Savings Account will also be closed and any remaining balance will be aggregated with your Checking Account balance prior to issuing a refund check. 

If you have direct deposits, ACH Debits, or recurring debit card payments, please notify the originators immediately to avoid disruption with your future deposits or payments. Direct deposits, XXXX debits, and recurring debit card payments may be rejected after XX/XX/XXXX, however we still encourage you to redirect your ongoing direct deposits and bank transfers to avoid any delay in receiving your funds. 

Kind regards, The Chime Team This completely caught me by surprise. I have absolutely everything sourced from this bank. I pay all my bills, my direct deposit. Absolutely everything. The email message is extremely cryptic. No one from Chime will answer any questions and refuse to even talk to me. I have absolutely no idea what happened. I have lost access to all my money in that account, and i have no clue what to do. This is absolutely insane. I haven't done anything unethical or illegal. Im an office manager for a medical practice who works full time. Im amiss, completely perplexed. Whatever is going on, or whatever Chime thinks is going, is NOT. I deserve answers. I deserve to be heard. I do NOT deserve this type of erroneous banking decision to negatively affect my life when i have not done anything wrong. I want to my money and to understand what the XXXX transpired. This is wrong and they should not be able to get away with this. I need THE CFPB to step in and do something. Ive been googling what has happened to me, and its happening to alot of people. Its time the law got involved. Do i need to hire a lawyer. I have a great level of ambition for taking on social injustice, and i have no problem working with a lawyer to begin a class action lawsuit assuming one is warranted. I really think that the CFPB Needs to focus their attention on this banking institution. Something very unethical is going on at Chime, and it needs to be addressed immediately. Please i need your help. I honestly have no clue what is going on and i know i have done nothing to cause my account to close like this.
Consumer complaint received 2015-09-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

We are trying to drop the PMI off our loan and had an appraisal done showing our property value at {$160000.00}. Our loan balance is {$120000.00}. Making our LTV 76 %. When we requested through Bank of America to drop our PMI, they refused saying we needed to be at 75 % LTV instead of the 80 % we feel we are entitled to under the Homeowner 's Protection Act.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc. (NY)

Name - XXXX XXXX XXXX Account number- XXXX Account name-SELF FINANCIAL/LEAD BANK This account was disputed before and after payment to the collection agency with no problem being resolved. This account is being reported in error on multiple CRA 's. According to the FCRA 611 subsection A, Chapter 1 ; A bureau re-investigation is in order whenever a dispute is returned as validated without a correction being made. 
This account is being reported as having multiple late payments on the XXXX credit report, yet on XXXX as a collection it states this account never missed a payment. Then on XXXX, this account has multiple months of missed payments not being reported which according to the FCRA 611 ( 15 U.S.C. 1681I ) chapter 5 section A, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if an item of information if found to be inaccurate, incomplete or unverifiable it must be promptly removed.

According to 609 Disclosures to consumers [ 15 U.S.C. 1681g ], Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. This account is not being reported accurately across all three CRA 's and asking for it to be promptly removed due to the length of time these inaccuracies have been reported.
Consumer complaint received 2020-06-01
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: CL Holdings LLC (PA)

A XXXX XXXX employee told me that I was no longer under contract at the time I switched my account to XXXX XXXX XXXX. The month after I got 3 - {$200.00} charges for early termination. I attempted to argue the fact that the employee told me I was no longer under contract because I had reached my initial 2 years, per the contract details, but XXXX stated they had no record of the conversation. I have disputed these charges repeatedly, but I don't have a record of documentation, only phone conversations that XXXX claims don't exist. I had a reference number for that conversation, but they said in was invalid. I don't understand how they are able to get away with lying to their customers and ruining their credit record. My account has now been turned over to Jefferson Capital Systems and I explained to them that I am refusing to pay this balance because I never should have been charged those fees.
Consumer complaint received 2016-06-11
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: SUNTRUST BANKS, INC. (DE)

I have had a continual problem with my current mortgage company year after year attempting to force outrageous homeowners insurance on me, while have had continuous good coverage with XXXX. Come tomorrow I will be contacting my State Insurance Commissioner and the CFPB to determine if it is XXXX or Suntrust Mortgage which is responsible and/or co-responsible for my last three years of TORMENT BY FRIVOLOUS & IMMEDIATE FINANCIAL THREAT. 
For the last three years I have made calls to XXXX XXXX to change my mortgage supplier to Suntrust Mortgage, Loan : XXXX All three years I made calls to Suntrust Mortgage to get automatic exchange of information. They said it was MY problem and refused to contact XXXX for any updates. 
I have years in a row spoken with XXXX staff to HAVE THIS CHANGED ON THE DECLARATIONS PAGE. YOU HAVE THUS FAR REFUSED TO DO SO YEAR AFTER YEAR. Each year I GET FINANCIAL THREATS BECAUSE OF THE FAILURE TO TRANSFER MY MORTGAGE HOLDER. 
I DID NOT REQUEST A CHANGE IN MORTGAGE HOLDING. IT WAS DONE WITHOUT ANY REQUEST BY ME!!! 
XXXX or XXXX of you incompetent financial companies is responsible for my distress. What if I was on vacation or in the hospital for a couple weeks. I WOULD HAVE BEEN ILLEGALLY SADDLED WITH AN EXPENSIVE AND SUPERFLUOUS HOMEOWNERS POLICY. 
Suntrust says I am responsible to provide the missing information, but they bought the mortgage from XXXX XXXX with nary but a XXXX paragraph letter after the purchase fact. 
XXXX year after year will call Suntrust ( after I have provided the phone number ), but never changes the Mortgage Holder on the Declarations page, causing this to be a repeating CATCH-22 financial threat. I need to know which party or both are responsible for what I believe to be an illegal financial threat and potential immediate illegal action against me. 
PS. GOD BLESS XXXX XXXX.
Consumer complaint received 2015-05-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Unauthorized inquiries on my Trans Union credit report. 
WWW.XXXX.comI have set up an account with XXXX to monitor all XXXX of my credit reports. I have noticed several dozen inquiries reporting on all XXXX credit reports that were not authorized by me in anyway. Rather than submitting XXXX dispute at a time regarding the unauthorized inquiries, I have attached a word document showing all unauthorized inquiries reporting on Transunion. I have included, the Inquiry Company, inquiry companies ' address and date of inquiry as well below. These unauthorized inquiries need to be removed immediately. XXXX Total.
Consumer complaint received 2021-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (DE)

On XX/XX/XXXX, I called XXXX XXXX ( XXXX ) to purchase an infant lap seat ticket in addition to my family 's 5 purchased seats on XX/XX/XXXX, on my Citi/AAdvantage card. While the infant seat was purchased, the agent mistakenly recharged my card the full price of the previous 5 tickets at {$920.00} each, totaling {$4600.00}. I discovered this error later that day, and called XXXX  to right this mistake. I was told the pending status typically remains for 3-5 days. Simultaneous, and multiple efforts followed from XX/XX/XXXX thru XX/XX/XXXX : ( 1 ) XXXX XXXX : I have spoken with customer service, then told to submitted a claim to their customer relations department which led to several correspondences with representative, XXXX XXXX, without resolution. Then I escalated a request via email to her director, XXXX XXXX, and SVP, XXXX XXXX, only to again received a response from XXXX XXXX, that Mr. XXXX acknowledged receipt of my request, but no sensible explanation for these extended pending charges. Compensation of XXXX  miles were awarded, but simply just not enough for the forced inconvenience of shuffling finances on my credit card that was tied to other financial commitments. 

( 2 ) Cit/AAdvantage : Citi 's customer service representatives have said that the control to release a pending charge is the merchant 's, not the card issuer. I asked if they could investigate on their customer 's behalf and speak with XXXX merchant services, but it was declined. While they were empathetic to my frustration, there has been no resolution.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. Remove immediately. 

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-03-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX was disputed and they do n't own the debt anymore. So, by law they have no more right to even report anything to the credit bureau 's. They left a wrongful dispute on my credit report. The account number is as XXXX XXXX XXXX XXXX sold the debt to another company. But they want give me the proper contact information inside XXXX to talk with someone about the debt. They all ways transfer me to a department and the number hangs up after 5 minutes of waiting. I am given XXXX XXXX ( XXXX ) XXXX email XXXXXXXXXXXX full authority to speak on my behalf please make notes on this case number that will be provided by the CFPB.
Consumer complaint received 2022-02-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OPORTUN FINANCIAL CORPORATION (IL)

I was recently offered a pre-approved offer for a loanadditional lot I was granted 3,000.but once I applied they said I was only allowed to get up to $ 1,000.once I did I was constantly called and harassed on the phone to complete my application, but I ask them what was required of me to be able to received a loan before I even finish applying, I called back they said all they needed was my banking statements for proof of payments, I sent my business formation information and my ID, he said all the other information was in good standing which I provided 2 recent months and I know those 2 statements could even cover the {$1000.00} standard of what was made out to me.I wasnt offered any type of payment plan, just instant denial and a hard inquiry after I submitted the additional information to the rep on the phone.which is insane after I read my monthly payments could be as low as {$50.00} so Im trying figure out why wasnt I offered anything after all that, and they claim a letter will tell me but I believe that to be a lie, this was a targeted offer to me so they knew enough information about about me.
Consumer complaint received 2016-09-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (CO)

I contacted SunTrust Mortgage about paying off my house on XXXX/XXXX/16. I spoke to XXXX and was told I would need to stop automatic payments from my checking account.. I asked her to please do so and she said it was taken care of. She then told me to write a check for the full amount of {$1300.00} and if I wanted to, add a bit more to cover interest for the few days it would take for the check to arrive at SunTrust. She instructed me to include my name and account number. I followed these instructions and sent in my check and paperwork the next day. 
When I did n't hear from them by XXXX, I called and spoke to XXXX and she told me they had closed the account the previous day. That they were sending my escrow plus over a thousand dollars in addition to that. I questioned why I would be getting over a thousand back and she said that they had taken a regular house payment out through automatic payment at my bank that very day. The day AFTER they had closed my account. 
I told her that XXXX had said that automatic payment had been cancelled on XXXX XXXX. She said that apparently it had n't been done. I asked that the money be placed back into my account as it caused me to be unable to pay some of my other bills to have that money gone. She said her supervisor XXXX XXXX wanted me to send a copy of my bank statement to prove that they had withdrawn the money. Although they just told me they had done so, they now wanted me to prove it. I sent a picture to XXXX showing that page of my bank account. I received a message from XXXX the next day saying that XXXX now wanted a hard copy of that statement and that XXXX would call me later that day to take care of my account. That was XXXX and I 've not heard from them since. 
Today, XXXX, I have called twice and requested to talk to XXXX and been told she will call me back. That was 3 hours ago. 
I told them the first day when they said they took the extra payment that it would cause me hardship paying my bills and that I would hold them accountable for any fines or charges I received as a result of their mistake. I was told that they were going to mail me that check and the escrow money within 15 days. Rather than credit it back into my account that day as I requested. I feel like I am getting the run around and that I am being penalized for their employees error. I know we all make mistakes, not a big deal. But their failure to rectify this in a timely manner is why I am contacting you. Can you please help me?
Consumer complaint received 2016-10-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed inaccurate account on my credit report from TransUnion and I still have n't had got a response on dispute investigation back on my results or my return receipt signature it 's has been 30days and I 'm still waiting.
Consumer complaint received 2015-06-09
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: 21ST MORTGAGE CORP. (KY)

I filed a application with the former manager at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Communities for a simple mobile home loan. My daughter and I receive monthly Social Security XXXX Income for multiple XXXX conditions we have. I put a down payment for {$4200.00} dollars for the mobile home and was approved on XXXX XXXX, 2014. The former manager XXXX XXXX, put my daughter and I in a rental home and said it would take a couple weeks to get our home ready. She told me that she did it for people who were approved for a home loan. I decided to move everything in a storage unit so I did n't have to move everything XXXX. Two weeks later I found out that she was no longer working here. In XX/XX/XXXX I met the new manager XXXX XXXX and found out that my money was stolen that the police were able to get back. She also stole from other residents and the company. The company knew she was a XXXX when they hired her. XXXX the second manager tried to help get me and my daughter in our home but quit XX/XX/XXXX. The gas appliances were changed out to electric without asking my permission to do so along with other issues that has happened. There is a XXXX manager here now and things have gotten worse. My daughter and I are still living in the rental home that we were put in almost a year ago. Now they are trying to evict us. I went to court this morning with the attorney that is representing current and former residents that have filed a lawsuit against XXXX, XXXX for same issues. There attorney for XXXX, XXXX called my lawyer last night and dropped the eviction against me. I want my money back and start living a normal life again and forget this bad nightmare that I have been through the past year. Theses crooks use their money to destroy other peoples lifes and need to be stopped and put out of business. I do n't know where I go from here but I refuse to give up.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I noticed a few inconsistencies as well as inaccurate information on my credit report. Therefore I sent letter methods of verification, requesting to verify the debt. Shortly after receiving my letter, in response I received notice that the accounts I mentioned had been verified. Which is impossible. Because these accounts are clearly inaccurate. Showing all kinds of inconsistencies.
Consumer complaint received 2022-02-07
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. (MD)

I settled on the sale of my home in XXXX XXXX, XXXX XXXX on XX/XX/XXXX. I received an email from the mortgage company, XXXX XXXX, on XX/XX/XXXX congratulating me on paying off my mortgage. I received a release of lien on the house dated XX/XX/XXXX. 
I sold my home to get out of debt and to move to XXXX  to be near family. I recently checked my credit score on my XXXX credit card and saw that the mortgage balance of {$96000.00} was still on my outstanding balances. I called XXXX and they gave me a phone number for Experian which I called to no avail. Today I checked my XXXX card and got the same result. I researched online and found that Experian makes it almost impossible to reach a human. I called every phone number for Experian I could find and got the same recording foreach one, leading nowhere. 
I am concerned that I have been on the waiting list for an apartment in XXXX  since XX/XX/XXXX. I prequalified but I will have to requalify when an apartment is available which should be in the next few months. I am XXXX  and worked part time until the end of XXXX. The rent is income related but Experian 's incorrect information is making my credit score worse, not better. These reporting companies should be held accountable.
Consumer complaint received 2017-12-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (FL)

Have had my card turned off due to improper trasactions on card and have a new one on the way. However in the meantime have run out of cash to live. Food etc. But when i ask XXXX to temporarily turn my existing card on to access my funds so i can eat during XXXX they deny me several times. I am XXXX XXXX no car and cant walk and im being denied my own funds
Consumer complaint received 2023-03-14
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: U.S. BANCORP (IL)

Hello, my name is XXXX XXXX and I am submitting this complaint without error or influence from any third party agency or credit repair clinic. I do not con- sent to these fraudulent accounts. According to the FCRA, ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer re- port under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

This is my final and last written instruction that I demand you remove the following unauthorized accounts & data immediately to prevent further legal proceedings : - XXXX XXXX account opened XX/XX/XXXX  account number : XXXX NO PERMISSIBLE PURPOSE ( 15 USC 1681B ) -I HAVE NO CONTRACT OR LEGAL AGREEMENT WITH THIS COMPANY!