davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-03
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Payment process
Company: REGIONS FINANCIAL CORPORATION (IN)

Regions Bank is the company name. 
I acquired a homeimprovement loan for a new HVAC in XXXX of 2023. 
I try to include extra payments to pay it off quicker. Extra payments have been going to future payments which I do not like. I expect extra payments to go to principal, I have contacted Customer Service and usually get nowhere. The payment I made in XXXX really was shocking. The monthly payment is {$140.00}. The total loan is XXXX. I paid {$100.00} the first week of XXXX and paid {$100.00} two weeks later to pay less interest which is accrued daily at 9.99 %. When I received the monthly statement both {$100.00} payments had gone to interest only. I am already ahead since they have been putting extra amounts to future payments. I printed out the statement and took it to a local branch. The bank XXXX  who helped me could see my account but no information about it. She gave me the Mortgage CS number. I called it and they could not verify my information thru the automated system, I could not get connected to a real person. This has also hurt my credit score because it gets reported every month that the account is closed. It is not and I have XXXX XXXX contact them twice to correct this.
Consumer complaint received 2022-10-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (AL)

So I lived in the district of XXXX XXXX apartments where I was paying rent and I always payed what was on my lease agreement months and month go by and they put a note on my door for a difference of {$2500.00} which I had no prior acknowledgment nor was notified about they was stating that it was the the difference that needed to pay I also had already notified the leasing office we will be terminating our lease due to military orders which also by law states that we can break are less with no extra penalties Under the SCRA, to end a housing lease early without penalty you must : Prove you signed the lease before you entered XXXX XXXX and that you will remain on XXXX XXXX for a minimum of 90 days. Provide your landlord written notice of your intent to end the lease early and a copy of your military orders. Which I had provided to them so now theres a debt collection on my credit and they are saying I was evicted when in the fact its not true also there notice says different dates from which they put it on my door which makes the notice incohesive.
Consumer complaint received 2022-09-27
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I found {$13000.00} of fraudulent charges on my credit card account. I contacted Bank of America and a new credit card was issued, but the fraudulent charges are still on my credit card account. I also contacted the merchants involved, and they provided me the information for the perpetrator, XXXX XXXX. The perpetrator obtained the information of my credit card and made purchases without my permission. I do not know or have any relationship with the perpetrator. 

The merchants sent me email communications used by the perpetrator, XXXX XXXX, and shipping agent, XXXX XXXX, to commit the fraud. The perpetrator details attained from the merchants were provided to Bank of America. Given that the perpetrator 's shipping address is in XXXX, a foreign county, I urgently need your help to stop the perpetrator 's scams and fraud. Your help on the matter is greatly appreciated.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

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 items 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 items 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 items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Balance : XXXX XXXX XXXX Balance : - XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance XXXX {$630.00} XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX XXXX : {$550.00} XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX, IL XX/XX/XXXX ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$660.00}. 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 2022-10-11
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. (FL)

Ive worked very hard to pay off everything I owe in the world, paid all delinquent accounts, and negotiated with creditors to update the information on my credit report in a timely manner, or delete them where they should be. Unfortunately, XXXX, Experian, and to a lesser extent XXXX XXXX update the information at their convenience or dont update the information at all. I have gone so far as to obtain letters from the different creditors for whom I needed to update information and supplied those to all three of those credit reporting agencies, and followed up with the phone call and a dispute to make sure the information was corrected. I was met with disdain for even asking why the information hadnt been updated, and still it hasnt been corrected. I check the different agencies for my updated credit score, and in spite of the fact that XXXX XXXX has a visible credit score of XXXX for me, from what I can see on the consumer site, there are still newer, different, and unknown scores and notes, among other information and loopholes, by which these agencies manage to deny you credit and good standing in the eyes of creditors. Most people dont even know there are credit scores or FICO scores other than what you can see when you pull your own credit. It seems to me they dont want you to be able to repair your credit, and by the current system, with all their internal methods of keeping all those scores down, make it impossible to find good standing if youve ever had issues. With the understanding that its a major undertaking to correct the current system and its many loopholes and underhanded methods by which they report, Ill be XXXX  if Im not going to be able to buy a home for my family because of their methods to keep me down. This needs to be addressed, and for myself, it needs to be addressed NOW!
Consumer complaint received 2024-10-30
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. (PA)

When I checked my credit report today, I was stunned to see accounts that simply shouldnt be there. I review my credit regularly, and its always been fine until now. Thinking it might be a simple browser glitch, I refreshed, but nothing changed. Given the situation, Im asking for a thorough check of my documents to make sure I dont have to go through this again.
Consumer complaint received 2023-11-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (MI)

I opened an account with chime and I had my social security check deposited into my account and as soon as I started spending my money my account was put on hold for multiple occasions claiming I needed to verify so I verified who I was over 15 times, four times with face recognition Ive sent over all my paperwork and every time I give them what theyre asking for they start finding other reason for why my account is locked I have over XXXX inside my account they have denied another {$4500.00} from social security so its put my account on hold and stop me from Receiving my benefits. My main issue is that they dont have a reason for why theyre holding my money and I dont understand how someone could just take someone elses social security benefits XXXX
Consumer complaint received 2022-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my several requests 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 has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I'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 reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-08-13
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (CA)

I had planned to pay off my lease to buy my car. The first week of XX/XX/2022, I called Hyundai Motor Finance to obtain information regarding lease pay off. I was told to send a cashier 's check by mail and to submit an odometer disclosure statement. The form had to be approved to be sent to me via email and would take up to four days to receive that email. I never received that email containing the form. After much searching, I was able to find an odometer disclosure statement form online. I printed it and faxed it to them XX/XX/2022. Also on XX/XX/2022, I sent a cashier 's check for the balance of my lease via registered mail. That check arrived on XX/XX/2022 and was cashed on XX/XX/2022. 

On XX/XX/2022, I called Hyundai Motor Finance to check on the processing of my paperwork. I talked to a young man named XXXX who told me the title was in the mail and I should receive it by the end of the week. The title never arrived. 

On XX/XX/2022, I called Hyundai Motor Finance to check on the title again. I talked to a woman named XXXX. She told me that the odometer disclosure statement form I had faxed was invalid because I had checked a box on the form that I wasn't supposed to check. i asked why I hadn't been informed of that issue. She apologized and told me she would expedite my paperwork. XXXX said she would ask for approval for another odometer disclosure statement form to be emailed to me and it would take four days to receive. I asked if I could fax another form to her. She said no because she couldn't expedite the process from a fax. I have not received the email with the form as of today, XX/XX/2022.
Consumer complaint received 2022-05-05
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. (NY)

I have paid full amount to sunrise credit services which is the third party collection company that the original creditor US bank are using. I have disputed the account and provided the evidence that was paid in full to the 3 credit bureaus and the results came back as " partially paid '' from account balance which is incorrect. They have told me to contact the lender which I have and they told me the account is settled so I do not know why the credit reporting agency is have inaccurate information.
Consumer complaint received 2022-10-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (VA)

Hi! 
My personal bank account is something problem. 
So I contacted bank agents. 
They founded someone bridge of my online banking system. 
And opened New account. 
I never order of opened new account. 
So bank shut down my online banking and closed new account. 
So Anyway I can't use of my account temporarily. 
We couldn't pay to Our second mortgage company. 
We had a behind payments. 
Mortgage company intent to foreclosure step. 
Give me time please!!! 
Thanks.
Consumer complaint received 2022-12-23
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. (FL)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX Account # 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 that a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.

15 U.S.C 1692 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.

15 U.S.C 1692 2 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2022-06-27
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. (SC)

In accordance with the Fair Credit Reporting Act - XXXX XXXXXXXX XXXX, has violated my rights. 

XXXX5 U.S.C 1605 Determination of finance charge 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-10-11
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. (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 XXXX XXXX Code XXXX 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 2024-10-30
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. (LA)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2022-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (IN)

I hired a cleaning company for my fathers home. The woman started the cleaning then left and never came back. I have tried contacting XXXX XXXX, the company to no resolve. I finally contact my bank to file a claim. They took extra time even calling me to let me know they were working on it. Then I contact them once denied a few hours later and they state they dont handle those type of issues. Yet they started a claim and provided credit giving me my funds back which have been gone for several months. Only to be told by corporate that they dont handle what they call third party payment issues. Acknowledging the process should have never taken place soon to cause my account of over a decade to go negative with no regard. He asked if I wanted an apology letter. How is this protecting my funds? If this was the case it should have stated as such and I would not be looking at {$700.00} worth of debits coming my way next week. If Chase policy is no retrieving funds for third parties then why would they do this to someone and take weeks? I was led to believe it worked as any other transaction. The dates are in attachments for timeline purposes
Consumer complaint received 2024-10-30
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. (OH)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX  XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Phoenix Financial Services LLC (FL)

I have been receiving several collection notices from companies that do not list an original creditor. I'm also receiving alerts from my subscription service through XXXX and XXXX that these " collections '' are only hitting the XXXX CBR. The best I can tell these debts are 2018 and they are large amounts I do not recognize nor has any one previously contacted me about them. These written notices should be required to provide all pertinent information from day one. According to XXXX reviews, some of these companies are listed as fraudulent. They do not populate anywhere else. I have tried to reset password on XXXX to dispute these items and it keeps telling me DOB and SSN are not a match. I've tried calling the toll free customer service line and it's limited options to who can speak to a live agent. Instead, I tried through XXXX to troubleshoot access, update information and initiate disputes but they sent me back to the call center on Friday. They have limited hours Mon- Fri XXXX XXXX which is a direct conflict with my work schedule. You also can not opt to speak with a live person! I certainly don't know the " trick '' or work around to get to a live agent. I can not miss work and continue to spin my wheels to get this resolved. These credit reporting agencies have too much power over our livelihoods! " Thanks for that information. Unfortunately, I am unable to locate an account with the information provided. Is it possible that we may have other details on file for you? Can you provide a screenshot of an email that we may have sent to you in the past? XXXX XXXX This is an example of the back and forth back and forth all day Friday!