davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: North Dakota Housing Finance Agency (ND)

I am so devastated and so very disappointed with my mortgage company " North Dakota Housing Finance Agency " I was unemployed for 9 months trying to figure out a way to keep from losing my home. I was told by them there was nothing they could do because I had no Income. I was on-line checking daily for different programs that could help me. Every time I found one I would call NDHFA to see if it would work. but every time it was " they did n't predicate in that program, or my loan was n't through that program. Mean while they had started the foreclosure on my home. When I was served I called they attorney on the summons and was told I had p I needed to respond to summons. I asked how do I do that. He then said because I had called that was a responds. I then asked what do I need to do so I can stop this, I was told I had plenty of time but to basically come up with the past due amount. The only thing ND Housing Finance Agency Offered me was a repayment plan XXXX a month which I had a job in XXXX 2016 but that was all I was making, so they extended it to 12 months and it was XXXX but I still could n't afford that. Mean while I find out my loan is through the XXXX which means if I default on my loan, XXXX will pay the private financier for the loan. Then because no-one else was at the Sheriff Action for my home the ND Housing Finance Agency bought it for XXXX and telling me I need to pay XXXX by this Friday XXXX XXXX 2016 before XXXX XXXX. The North Dakota Redemption Laws : Title XXXX chapter XXXX / Title XXXX chapter XXXX / Title XXXX chapter XXXX It states I would have to reimburse the purchaser ( the person or entity who bought the home at the foreclosure sale ) for the full price paid paid at sale, plus interest. I 'm not trying to get out of paying for my home I would just like something that could work for both of us. Like the Forbearance Program and remove up front hurdles to make it easier for unemployed homeowners. The Mortgage Forgiveness Debt Relief Act, Helping Families Save Their Home 's Act The Real Estate Settlement Procedures Act. 
Please Help Me Save My Home!!!!!
Consumer complaint received 2023-05-12
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. (FL)

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 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 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 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 2023-05-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (GA)

GM Financial sent me an email that they received a notice the car was impounded. We left the car at a repair shop ( the owner apparently had died in the meanwhile is what the current owner of location is saying ), that apparently it was stolen and sold on XXXX XXXX XXXX ( according to the police in FL ) with a stolen title in FL. Someone tried to transfer the title or pick up tags where it was discovered. The FL police reached out to GM Fin'l, asked if they still had a lien, and GM Fin'l picked it up. This was approximately from Spring sometime until XXXX. I had been making payments the whole time so had no idea. GM Fin'l blocked my acct to receive any add'l payments, causing it to go into default, called the loan due but never gave me a payoff nor would give one when requested, sold the car for at least $ XXXX more than was owed, and refunded me two payments. It's being reported incorrectly on XXXX as a charge off. There should not be default because they caused the default by blocking the payments being processed. And they sold the car and kept to proceeds. I'm located in XXXX GA area. A XXXX XXXX. Acct XXXX. I can't get into the account to pull the full account number. Also I had a legal name change in the meanwhile, so name changed on account to current name XXXX XXXX XXXX, but initially was XXXX XXXX. The police officer had me submit a statement. It is attached. His name is Officer XXXX XXXX. Email address : XXXX. I recently was denied for a new car loan and am paying very high interest on the loan that was accepted.
Consumer complaint received 2023-05-12
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. (CO)

The best service company keeps adding interest to a collection account for a closed XXXX account. After speaking with the branch XXXX from the bank the XXXX account was issued by, I was told the balance should not be going up period
Consumer complaint received 2023-05-12
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. (GA)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, 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. (GA)

I am writing to request the removal of hard credit inquiries that were conducted without my authorization. As a responsible consumer, I monitor my credit report regularly and recently noticed several hard inquiries that I did not authorize or expect. 

I understand that hard inquiries can have a negative impact on my credit score, and it is concerning that these inquiries were conducted without my permission. I have reviewed my records and can confirm that I did not initiate or authorize any credit applications or requests that would warrant these inquiries. 

I kindly request that you investigate this matter and take the necessary steps to have these unauthorized hard inquiries removed from my credit report. Your prompt attention to this matter would be greatly appreciated. 

Thank you for your assistance in this matter. 


XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXXXXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  Inquiry date XXXX XXXX, XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

We advised Truist that we wanted to set up Positive Pay on our account in order to prevent fraud. We initiated this service in XXXX of XXXX. It took until XXXX of XXXX for them to finally get us set up. In XXXX of XXXX, we had a fraudulent check hit our account and were not aware until late XX/XX/XXXX. It slipped past our bank reconciliation process because the thieves used a similar check number and dollar amount as the original check. Truist refuses to reimburse the funds stating we were negligent. However, we attempted to set up Positive Pay to prevent fraud for several months and were hindered by Truist 's slow process to get it up and running. We feel this is Truist 's fault as they could not set up for us the fraud prevention services for us in a timely manner, causing us a loss of $ XXXX.
Consumer complaint received 2023-05-12
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (MO)

Pursuant to 18 USC 8, owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4
Consumer complaint received 2023-05-15
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)

XXXX XXXX XXXX XXXX XXXX is a fraudulent account that was reported back in 2021. This account was removed from my report but appears to have been sold to another collection agency called XXXX XXXX. Under the Fraud debt collection practice act it is a violation to collect on an account that was previously reported as fraudulent. I am notifying you that this account must be removed immediately removed based on the aforementioned information. A report affidavit is attached.
Consumer complaint received 2024-11-15
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (IN)

Per my last complaint with Lowe 's credit card Synchrony Bank, I was told I would be refunded the {$560.00} the next billing cycle. Well, it's the next billing cycle and I have not been refunded. 

Can you please reach out to Lowe 's as I have tried calling Lowe 's and corporate office with no response. 


XXXX
Consumer complaint received 2023-12-04
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. (NC)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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 have 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 an account without my written instructions.
Consumer complaint received 2024-10-15
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: Experian Information Solutions Inc. (FL)

1 ) My credit report is reporting an address that does not belong to me. I have never lived at the following residential address, please remove from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries on my credit report do not belong to me : a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-26
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Reliable Credit Association, Inc. (ID)

I fell behind on an auto loan with Reliable Credit Association. The loan officer offered me a settlement that if I brought the vehicle back they would settle the account and not charge me the balance after auction sale. however, they report an unpaid balance of over XXXX on my credit report. this is contrary to our agreement, the account should reflect a zero balance.
Consumer complaint received 2023-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UMB FINANCIAL CORPORATION (MO)

Between the dates of XX/XX/XXXX and XX/XX/XXXX there were 10 unauthorized charges on my account. I did not discover this until XX/XX/XXXX. At that time I called to report the unauthorized charges and my account still had a positive balance. They told me they would freeze may card, only to find out a few days later that they had not and my account ended up being in the negative. On XX/XX/XXXX they returned 4 of the 10 payments. I've asked for a supervisor or investigater to keep in contact, but have never received a call for an update. They can not explain to me what is taking so long or why they returned some, but not all of the charges. I also asked why was this account not flagged when these charges were going through, and they said they were going through a system change and was not able to catch it. Also could not explain why they couldnt just deposit the funds and if they found to be non fraudulent just take back out. Very disappointed in this whole process and with UMB customer service and fraud dept.
Consumer complaint received 2023-05-12
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. (NC)

My name is 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 15 U.S. Code 1681b 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 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I have disputed information on my credit XXXX XXXX XXXX XXXX, yet experian still reports these items knowingly this item is in an identity theft report and I have not contracts with this company I would like it removed from my credit report
Consumer complaint received 2024-10-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Lien release
Company: Rocket Mortgage, LLC (FL)

Going through a divorce I learned that Rocket Mortgage offers release of liability. I had to - pay off a HUD deferment ( over {$19000.00} ) - send 6 months of bank statements showing payments were made - proof of legal separation I paid off the HUD, sent the statements and wrote a letter stating we were legally separated. All this was done per the advice of Rocket Mortgage. 
I had to go through several rounds of sending in documentation because the requirement kept changing ( not the right paragraph with regards to legal separation, being notarized, screenshots of my bank info etc ). 
I have now learned that there is no legal process for separation in XXXX  ( XXXX of only XXXX states that does not recognize legal separation ). 
Rocket Mortgage is discriminating against XXXX  as we are not able to get proof of legal separation and have to wait until the divorce is final. This is unacceptable and- this puts undue pressure on my family specifically my children - I didn't have an extra {$19000.00} lying around so I had to borrow money Not to mention this is extremely bad customer service.
Consumer complaint received 2016-05-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (OH)

ENHANCED RECOVERY COMPANY # XXXXI had previously disputed this account. I have never done business withENHANCED RECOVERY COMPANY Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt ENHANCED RECOVERY COMPANY. I request that ENHANCED RECOVERY COMPANY Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY COMPANY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number
Consumer complaint received 2016-10-26
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (PA)

My account was over drafted and PNC Hit me with XXXX a day overdraft charges. 
I went into my local branch and spoke to a XXXX at XXXX/XXXX/2016. I advised her about my account. She decides to call a special department pertaining to the issue. She picked up her phone and it rang 3 pods over in the same bank. XXXX told me they and the other department could not help me. I called customer service on XXXX/XXXX/2016 at XXXX and spoke with XXXX XXXX , operator, XXXX. I told her my problem and she adjusted my XXXX late fees off my account. I woke up around XXXX XXXX the next day another charge for XXXX was assessed against my account. I called customer service and spoke to XXXX, he was n't able to override the charge nor was n't he willing to get a manger to override it. I deposited a check for XXXX around XXXX in the afternoon. So I called my local branch to see if they can override the XXXX fee. They gave me the run around. I contacted XXXX pertaining with my issues earlier today with my account and obvious retaliation from prior incident of a teller giving me dirty money which should of been sent back to the federal reserve to be destroyed. My call to the bank in XXXX and then called me XXXX both calls were lost. I am sitting here at XXXX and no one from the bank has called me back.
Consumer complaint received 2016-10-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

I have several negative reports including XXXX XXXX card and other issued credit cards that are not mine. I have never owned or been issued a credit card of any kind except from XXXX department store. - Also my s.s card and i.d . Were stolen a few years back and was told that last year my taxes were filed in California where I do not know anyone who lives there that I am in contact with and was unable to get my taxes back until the end of the year because of the issue. My identity has been compromised and my credit is below poor because of these negative things. Also I have a legitimate bad report from sprint. Those are the only things on my report that are mine and I need this taken care of as soon as possible so that I can start rebuilding my name.
Consumer complaint received 2023-05-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Hello, I filed complaints # XXXX and XXXX on XX/XX/2022, since I couldn't view my credit score in my Bank of America application . And then they let me see it. But now they've done the same thing, and I can't view my credit score anymore. 

Thanks!
Consumer complaint received 2023-05-15
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. (MD)

I don't recognize and have not authorized any of the following inquiries, and they are fraudulent and not attached to any account : XXXX XXXX  ( XXXX XXXX ) XXXX  XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX