davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (FL)

I tried to stay current on my mortgage during the pandemic however I fell behind in XXXXXXXX XXXX. My loan was transferred to Selene finance and they put me into foreclosure. I have an FHA loan and Selene did not tell me assistance was available. They did not offer me any assistance nor did they inform me of the programs that FHA had put in place for homeowners like myself. Every time I tried to get information regarding the FHA partial claim or recovery modification I was told I had to send in an application with full documentation. I am now in foreclosure and incurring fees and lawyer costs without even being informed that I could have gotten a streamline through FHA and been helped. I think Selene has violated the CARES act by blocking me from assistance and then putting me into foreclosure. The COVID pandemic was horrible and I do not think I should lose my home. Especially if there is available assistance and Selene blocked it.
Consumer complaint received 2023-01-04
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2022 I posted a new listing on XXXX XXXX to sell my XXXXXXXX XXXX. A woman named XXXX XXXX messaged me interested in buying the XXXX. She said she can send me the money through XXXX, she messaged me telling me she sent me the money and I received an email from XXXX. The email stated my XXXX account was not a business account so it needed to be upgraded. I have never sold anything before so this made sense and the email said from XXXX support. Following this email, the buyer sent me a message claiming she sent me another {$250.00} to upgrade the account ( also stated in the email ). The requirements stated by XXXXXXXX XXXX email were to send {$250.00} to the buyer to protect them and they will send me the total of {$500.00}. I sent the {$250.00} and continued messaging the buyer until I received another email stating I need to send {$500.00}, at this point, I recognized this could be a scam. I continued to message the buyer to send me back my {$250.00} but they ended up blocking me. I immediately called my bank because the {$250.00} XXXX payment still said " pending '' on my account. The woman working for Chase said they can not stop the payment and will do an investigation but can not guarantee any form of refund for the scam.
Consumer complaint received 2023-01-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (MD)

This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.
Consumer complaint received 2023-01-04
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. (LA)

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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX has violated my rights. 


I also have inquiries on my XXXX  account that I didn't authorize and unaware of. 

XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XXXX XXXX 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 2023-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (WI)

Have filed multiple disputes with the company they dont issue temporary credit as required per Regulation E. They send generic autogenerated messages that dont address the customer concerns. I have received the same email now XXXX times with the same exact message.
Consumer complaint received 2023-01-04
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. (MI)

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy.

In accordance with the fair Credit Reporting act CREDXXXX XXXX XXXX XXXX  Missed LATE Payments last reported {$960.00} XX/XX/202XXXX XXXX XXXXXXXX BANK XXXX late payments last reported {$590.00} XX/XX/202XXXX XXXX XXXX XXXX XXXX Missed late payments last reported XX/XX/2022, and XXXXXXXX XXXXXXXX XXXX  XXXX Missed late payment last reported XX/XX/2022, XXXX XXXX XXXX XXXX XXXX Missed late payments last reported XX/XX/2022. XXXX XXXX XXXX XXXX {$8900.00} I owe them that's in collections they are not the original creditors. 

15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an 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 XXXX 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. 

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 any reasons. 

According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, TransUnion, XXXX, written permission to furnish these accounts.
Consumer complaint received 2023-01-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Nudge Funding, LLC (MI)

Box Home Loans A Division of 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 XXXXXXXX Are you having a 5 star experience? Let my manager know : XXXX Applied for mortgage and was not provided a denial letter or any concrete information on my denial. Was not provided any information or how to correct the problem. XXXX XXXX would not return any of my calls. The times we did speak, he spoke in a condescending way such a multiple time referring to the information as mines, instead of discussing the problem.
Consumer complaint received 2023-01-04
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. (OK)

I sent a letter off to all 3 credit bureau XX/XX/2022. 

Here is my tracking numbers # XXXX # XXXX # XXXX. 

To remove personal information that I dont not want on my credit report. 

According to the fair credit reporting act 15 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my my federally protected consumer rights.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by FederalLaw to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed this item on XX/XX/2020 and they removed it, but it has been sold to another company and has been re-added to my credit file. 

Account : XXXX Account # : XXXX Under Section 602, I have a right to privacy.
Consumer complaint received 2018-03-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (MN)

I went online on XX/XX/17 to get a loan for {$600.00} from Big Picture Loans. From my understanding I thought I would only have to pay {$180.00} once a month for three months. This would include what I took out plus interest. It was not until the next day the loan was deposited into my bank account that I was emailed the Big Picture Loans payment schedule and saw that I had to pay 12 payments of {$180.00} which add up to {$2200.00}. This is more than what I even borrowed from them. I called to verify and see how I could get out of it but they kept telling me that they would call me back. Other times the hold was so long that no one ever came on the phone. The customer service department has not been helpful. So, far I have paid {$1100.00} and very frustrated on the fact that I have more to pay back because of their very high interest rates. After, reading other people 's complaints I feel it is only right that someone looks into this place. I feel as though they are taking advantage of people. I hope someone can contact me back so that this matter can be resolved.
Consumer complaint received 2023-01-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

On XX/XX/XXXX, I responded to a comment posted by XXXX XXXXy on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) via direct message about XXXX ticket resales. The intention was to purchase 3 tickets as a gift for my brother. 

I did my due diligence and want to emphasize that this was somewhat of a sophisticated scam. I requested that the seller ( XXXX XXXX ) send some type of screenshot confirming that she actually had the tickets, and it wasnt till afterwards that I sent her a XXXX payment ( XXXX ) in the amount of {$120.00}. She did indeed send over a confirmation screenshot from XXXX. 

After confirming payment over XXXX, the seller requested that I pay an additional {$45.00} ( {$15.00} per ticket ), because there was an additional fee to transfer XXXX codes. By then I knew that I was being defraudedafter having already sent the fundsbecause XXXX ( the ticketing platform ) does not charge for ticket transfers; having used the XXXX in the past myself. 

I responded to the sellers request and asked for my money back. She feigned an apology and immediately blocked me on XXXX afterwards. Ive called Bank of America XXXX : once on XX/XX/XXXX, and spoke to XXXX, and once on XX/XX/XXXX, and spoke to XXXX. XXXX explicitly said, Youll get your money back, and initiated a stop payment. She explained that if the stop payment didnt work, I should wait for the XXXX transfer to post, and then call Bank of America back. 

I called Bank of America again on XX/XX/XXXX, and was connected with XXXX. Her guidance contradicted XXXX  : she instructed me to wait for the payment to post then call Bank of America again and ask to speak to the XXXX department.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Unauthorized hard inquiries on my report violate 15 USC 1681c-2, hurting my credit. Please correct these errors by removing them. Thank you!
Consumer complaint received 2023-07-14
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: Experian Information Solutions Inc. (TN)

Previously, I sent a complaints requesting that you reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, you have failed to respond to my request and there is no response I receive. 
XXXX XXXX XXXX : {$24000.00}
Consumer complaint received 2023-01-04
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. (IL)

ON XXXX THIER WAS AN FTC REPORT SUBMITTED TO ALL THREE CREDIT REPORTERS STATING THIER WAS INACCURATE INFORMATION BEING REPORTED AGENCIES WHERE ASK TO REMOVE THE INACCURATE INFORMATION AND TO BE BLOCKED UNDER FCRA SECTION 611 A 1 A ACT 605 A AND ACT 609
Consumer complaint received 2023-01-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION (MD)

During the month of XX/XX/2022, on approx XX/XX/XXXX a transaction from a hotel charge in Texas appeared on my account and a day later a charge for airline tickets appeared on my account. 
I did not complete these transactions. AND HAVE NOT HAD ANY DISPUTES OUTSIDE OF THESE TWO CHARGES IN MY BUSINESS ACCOUNT. THE REASON THE BANK IS NOT GIVING MY MONEY BACK IS BECAUSE THEY SAY THE VENDER PROVED MY NAME AND ADDRESS WAS USED.

THAT IS NOT MY CONCERN OR ISSUE I DID NOT DO IT AND IF ITS NOT FOUND AS FRAUD THAT AGAIN IS NOT MY ISSUE .... NO WHERE IN THE SERVICE AGREEMENT WITH m AND t BANK DOES IT SAY THE VENDORS WORD TRUMPS MINE. THEY SAID SINCE MY NAME APPEARED IT IS VALID... MY ISSUE IS WHEN A FRAUD TRANSACTION HAPPENS I DO NOT KNOW WHY OR HOW THEY WOULD BENEFIT THE VENDOR BUT IT IS NOT FOR ME TO EXPLAIN IT IS SIMPLY NOT MY DOING. 
XXXX CHARGE FOR {$730.00} AND XXXXXXXX XXXX FOR {$490.00} TWO DAYS APART AND NEITHER ARE MINE
Consumer complaint received 2018-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I noticed again in my equifax credit report that I have a formerly name as XXXX XXXX I never had any formerly name my entire life as my my real name so this so called formerly name should be removed from my credit report as soon as possible. Thank you
Consumer complaint received 2023-01-04
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. (MI)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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. 

XXXX XXXXXXXX XX/XX/XXXX {$3400.00} XXXX  - XX/XX/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 XXXXXX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION (TX)

This is a complaint that has multiple issues. Firstly, the payoff was made on XX/XX/XXXX and the bank refuses to apply the payment. Secondly, in 3 days, the payment will be 30 days late. This car was refinanced with Truist and Truist has the title and lien release from the previous bank, however they failed to add themselves as a lien holder. The car was totaled on XX/XX/XXXX. XXXX. Truist was paid out on XX/XX/XXXX but will not apply the payment because they never added themselves as lien holder. That is not my problem. Triust has taken payment from me without being a lien holder since XX/XX/XXXX now suddenly they can't take a payment because they didn't process the paperwork to add themselves as lien holder? When call and we're told that we we're responsible for the payment until they decide to apply the check to pay in in full that is SITTING THERE in their office??? Interest is accruing daily and it will soon be reported late to my credit report. Truist needs to rectify this situation immediately.
Consumer complaint received 2024-09-23
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. (AL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate. 

Remove the disputed account from my credit report.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

This XXXX loan was opened fraudulent, and they have no proof of who opened this account. I have asked for proof they cant validate this account and the credit bureaus ( Experian and XXXX ) won't delete it. the date that this account was opened i never applied for any loan ( XX/XX/21 ). XXXX has failed to proved me with any documents. upgrade also have an address reporting as my living address that don't belong to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Fraudulent address I've never lived there. please help me get this off my credit profile.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This XXXX loan was opened fraudulent, and they have no proof of who opened this account. I have asked for proof they cant validate this account and the credit bureaus ( XXXX and Transunion ) won't delete it. the date that this account was opened i never applied for any loan ( XX/XX/21 ). XXXX has failed to proved me with any documents. XXXX also have an address reporting as my living address that don't belong to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Fraudulent address I've never lived there. please help me get this off my credit profile.
Consumer complaint received 2023-01-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Schrier, Tolin and Wagman, LLC (MD)

XXXX XXXX  XXXX is reporting debt on my credit report i have sent numerous debt validation letters their attorney once responded with a contract with a signature and everything else on the contract is incorrect such as the date the debt occurred the amount of debt the type of debt absolutely nothing matches they say its a credit card debt but sends me documentation for a secured loan i have attached supporting documents from what was sent previously
Consumer complaint received 2023-01-04
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. (VA)

n accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX, has violated my rights. 
n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
n accordance with the Fair Credit Reporting act XXXX XXXX  # XXXXXXXX, has violated my rights. 
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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