davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MD)

CALLED THE LENDER WAS TRANSFERED AROUND UNTIL I REQUESTED XXXX, DEPARTMENT. I SPOKE TO XXXX ABOUT THE SALE OF THE PROPERTY AND ADVISED THAT THE BORROWERS BROTHER, WHO INHERITED THE HOME HAS FILED A CHAPTER XXXX ON XXXX AND WAS PROTECTED BY THE AUTOMATIC STAY WHEN THE SALE TOOK PLACE AND THAT THE SALE NEEDS TO BE REVERSED LENDER RESPONDED BY SAYING THAT THE ONLY THING THAT HE CAN DO AT THIS POINT, IS REFER ME TO Some WEBSITE ( XXXX ) I TRIED TO EXPLAIN THAT I SHOULD BE PROTECTED BY AUTOMATIC STAY BUT THE REPRESENTATIVE JUST KEPT SAYING THAT HE NEEDED ME TO GO TO THAT WEBSITE AND COULD NOT HELP ME. NOT ONLY DID I SPEAK TO XXXX I SPOKE TO XXXX IN LOSS MITIGATION DEPARTMENT I SPOKE TO XXXX IN THE BANKRUPTCY DEPARTMENT AND KEPT TELLING ME THEY COULD NOT HELP ME, I NEED HELP AND I CAN NOT AFFORD A LAWYER BUT THIS LENDER IS TAKING ADVANTAGE OF THAT AND SOLD MY HOME AND VIOLATED FEDERAL LAW IN DOING SO PLEASE HELP I HAD SPOKE TO THEM PREVIOUS ABOUT A LOAN MODIFICATION AND HAD ALREADY PROVIDED THEM WITH THE DOCUMENTATION THEY REQUESTED I WOULD LIKE TO CONTINUE WITH THAT
Consumer complaint received 2019-11-25
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. (NC)

XXXX XXXX Ss # XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiries that I find to be problematic. 
The inquiry in question was apparently made by XXXX, TX XXXX ( XXXX ) XXXX I contacted XXXX XXXX, TX XXXX ( XXXX ) XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
Please investigate this inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter,
Consumer complaint received 2020-01-08
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: EQUIFAX, INC. (TX)

I had an auto loan with XXXX XXXX, opened in XXXX of XXXX. I closed that account in XXXX of XXXX by paying the loan off. Since the loan was paid off, XXXX XXXX or Equifax continued to show the account as open and that payments were being made. Some of the payments listed after the account was closed in XXXX of XXXX showed as late payments. Payments continued to show being made to the account up until XXXX of XXXX. The account was paid in full and closed in XXXX of XXXX. Late payments for this closed account showed for XXXX of XXXX, six months after the account was paid in full, another late payment showed in XXXX of XXXX, two more late payments were reported in XXXX and XXXX of XXXX. I have filed five disputes with Equifax, each dispute was closed and the information remained on the credit report and continued to be inaccurate. I called XXXX XXXX five times, they stated that the account was closed in XXXX of XXXX, they showed the account closed and they stated that they would send a letter to Equifax. All disputes have been closed with both companies and the information remains incorrect.
Consumer complaint received 2020-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION (AL)

I opened a new Account with Regions Bank and told them to Deposit {$500.00} in the Checking Account and {$50.00} in the Savings Account. They took the {$50.00} for the Savings then a error occurred where they took out 2 {$500.00} amounts from my account. They claimed the first {$500.00} amount was declined but my other financial institution said they were both approved. They then fixed it then within  24 hours of fixing it they did the EXACT SAME ERROR AGAIN. I have been fighting tooth and nail with them for 4 days getting this resolved and the entire time they have " forgotten '' about the first bank error and told me flat out to file a dispute. But I need this {$500.00} to pay bills and this has turned my life upside down and all I wanted to do was open a bank account to make my life easier. In reality the opposite happened.
Consumer complaint received 2022-12-27
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. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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
Consumer complaint received 2020-01-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

the ftc violation of XXXX was filed XXXX XXXX XXXX XXXX 2 accounts were removed and put back on they are in violation of the law b/c they did not notify me that they were putting back on my credit please see FTC reports that by the law i satisfy my claim with police and affidavit
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (HI)

Good day, there has been incorrect address associated with my credit report. Below I have listed the addresses that have been incorrectly reported on my credit report. 

Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX  XXXX XXXX, XXXX XXXX Address : XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX  XXXX Address : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Consumer complaint received 2022-12-27
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: EQUIFAX, INC. (SC)

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.
Consumer complaint received 2019-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC (NY)

Hello, my name is XXXX XXXX and about a year ago I bought a bedroom set furniture from this store called XXXX XXXX they basically are similar to a XXXX store but have other items in which you need to have a contract for. I am not fluent in english at all ( In fact my niece is writing this for me as she knows English and is also a XXXX graduate ) so what they explained to me and what I later found out was in the contract don't match up. They basically told me that I had a period of 90 days in which I could pay a lower amount ( {$1200.00} ) for the furniture and it would be mine, if the 90 days passed I had to pay a higher price ( {$2500.00} ) making a payment of about {$47.00} dollars per week. I made an initial " downpayment '' of {$1100.00} which meant I had only {$150.00} left to pay then for the next four weeks ( clearly less that 90 days ) I made payment of {$48.00} dollars which even left me with a surplus of money of about {$40.00} but I didn't mind because that meant the furniture was mine and I no longer had to pay. However they kept making me pay claiming taxes and interest. I honestly did not count the payment and once added up, up until now I've paid {$2500.00} which exceed the original payment and also should not be with interest as it has not been a year ( they told me interest build-up after a year ). I also last month got a letter from acima, a debt collector, that told me I owed about the same amount of money and that I never made an initial downpayment. They contract also keep contradicting itself in many parts and is not accurate to what I was told. They made me sign the contract and 'translating '' the document to me, but I didn't know I was signing a contract for debt collection and money stealing so they scammed me out of my money. I don't wan na continue paying for something I've payed more than enough money for and when I made contact with XXXX XXXXl they told me it was not their problem and I should deal with acima which makes no sense as I was never informed of this. I spoke with acima and they told me to ask XXXX XXXX  about this debt because they have to collect it. It makes no sense and XXXX XXXX  tells me the only other way to solve the money issue is for me to return the furniture as it was like-a-lease which again they never told me it was that. Basically both companies have me going form one to the other without providing me a clear answer. This is no fair and I don't wan na seek legal help as I can't afford it. I honestly just want to not have to pay any of these companies anything, they can keep the money they've stolen.
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. (CA)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX CAF XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX
Consumer complaint received 2020-01-08
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. (CA)

Today XX/XX/2020 I discovered an account and many inquiries on my credit report that do not belong to me. I did not have anything to do with this account or inquiries and I did not allow anyone to open this account or make these inquiries in my name using my personal information. I don't know who did this but I already filed a police report ; I did not benefit anything from these inquiries and account nor did I ever made any payments towards this account that was opened in my name. I have never had any written or verbal contract with any of these companies and I did not give them permission to run or access my credit information.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HUNTINGTON NATIONAL BANK, THE (MA)

I underwent a XXXX XXXXXXXX situation where my finances were stripped and was incapable of paying the loan XXXX of 2021. I have consistently never missed a payment and the situation I underwent prohibited me from being able to pay on time. Id like for this to be removed since the police had gotten involved and had to recover my finances.
Consumer complaint received 2020-01-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CT)

Through the months of XX/XX/XXXX through XX/XX/XXXX, a contractor in our home was using a Home Depot credit card stored in a first-floor drawer. He rented a sander, bought tools, and parts for his own use over this time period totaling approximately XXXX dollars. During this time not once did Citibank call me to alert me of erratic consumer behavior based on any of my past years. This contractor thief made about 55 purchases in one 30 day period and was shopping in Home Depot stores far from my home. These purchases also exceeded my credit limit and were further allowed to go through, again without any notification from the cardholder company, I reported these fraudulent charges to Citibank who is the bank Home Depot uses. They told me they would take 90 days to investigate and get back to me. I called XX/XX/XXXX, to get the status on the situation as it was weighing me down over the holidays and I wanted to know if it was cleared up. The representative told me the investigation was concluded and the fraudulent charges had been removed, They also told me I had a credit balance and said they would send a check for that amount. XX/XX/XXXX, I received an envelope from Home Depot assuming it was the refund check, The envelope was not a check but a letter stating that the investigation was complete with a different conclusion and that I was held accountable for the fraudulent purchases. I called Citibank/ Home Depot and spoke with three people on XX/XX/XXXX including XXXX , XXXX, and XXXX. All three representatives verified that the account was deemed Fraudulent XX/XX/XXXX. They were confused about the most recent letter dated XX/XX/XXXX, sent to me. They eventually transferred me to a woman named XXXX who said based on her investigation the account is not fraud-related. I expressed that I did not benefit nor ever give permission for anyone to use my credit card. I have since reported this theft and fraud to the police department and am awaiting a detective 's phonecall and police report to attach to this file. The police report number is XXXX, filed with the XXXX, Connecticut Police Department.
Consumer complaint received 2020-01-08
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (CA)

I am a leaseholder through GM Financial. Throughout the course of the lease, the ability to setup autopay has been unavailable to me through the online portal. Autopay is an advertised feature of the lease, however it is not possible to setup autopay via the " manage my lease '' function on the GM financial website. As a result, I have had to make all payments manually on a monthly basis, resulting in instances when payments have been late and fees incurred. My preference would have been to enroll in autopay, but because of issues with the company 's website this feature has been unavailable to me. When I tried to submit a complaint on this issue, I also found that the function to submit complaints via the online portal also does not work. The unavailability to me of an autopay feature, despite the fact that this was an advertised feature of the lease produce, results in a potential unfair practice under UDAAP.
Consumer complaint received 2022-11-12
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: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-12-27
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: Experian Information Solutions Inc. (SC)

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.
Consumer complaint received 2022-12-27
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)

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.
Consumer complaint received 2022-01-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia (VA)

On XX/XX/2022 I called the company " Credit Control Corporation '' XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX, after receiving a letter from them that I owed {$71.00} from a outstanding bill from XXXX XXXX XXXX After giving my name and the REF # provided on the letter they could not find anything in there system under my name, phone # or the reference # or EDP # XXXX that was provided on the letter. The woman that I was talking to got her supervisor and consulted with no results. I went to a web site listed, XXXX  and it pulled up my name using the REF # provided but it was for a larger amount of money, {$110.00}. I am concerned that this is a scam and I am not shore how to proceed. 
Please advise
Consumer complaint received 2022-01-28
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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (NV)

Issue with Chase Bank XXXX Credit Card XXXX Unfair credit reporting / Unclear communications regarding status of fraud dispute / Unpleasant interactions with customer service when attempting to resolve : XX/XX/XXXX - Fraud charge on credit card account - {$21.00} XX/XX/XXXX - Receive potential fraud alert from Chase. Confirm fraud and receive message that card is now locked. 
XX/XX/XXXX - XXXX XXXX  charge on credit card account made from TV ( not sure how this went through on a locked card but it seems to have processed ; Unsure at the time if this was real or fraud ) - {$3.00} XX/XX/XXXX - Late Fee incurred- {$28.00} XX/XX/XXXX - Interest charged- {$2.00} Exact Date Unknown - Call Chase regarding fraud and locked card. Assured they received my initial response and " everything is already taken care of '' XXXX XXXX XXXX - Late Fee incurred- {$39.00} XXXX XXXX XXXX - Interest charged- {$3.00} Exact Date Unknown - Call Chase again inquiring as to why I am being charged late fees on a locked card with active fraud charges. Told " it's only going to hurt you if you don't pay us the balance '' ( complete change in tone and message from previous call ). 
*Sometime after XXXX XXXX XXXX, transaction is dated XX/XX/XXXX on my statement - Original fraud charge of {$21.00} reversed. 
*Sometime after XXXX XXXX XXXX, transaction is dated XXXX XXXX XXXX on my statement- Late Fee of {$39.00} reversed. 
XXXX XXXX XXXX - 2x Interest charges reversed - {$0.00} and {$0.00} Summary : Original Fraud - {$21.00} ( fully reversed XXXX  months after initial charge, took XXXX  fraud alert confirmation and XXXX  phone calls prior to reversal ) Real Charge - {$3.00} ( Unsure, at the time if this was real or fraud ) Late Fees and Interest - {$72.00} total ( {$39.00} reversed ) Learned Chase had reported a late payment to my credit report associated with the lack of payment for XXXX  while the fraud charges were being disputed. 

XX/XX/XXXX- Told these reports are accurate and can not be reversed due to the {$3.00} charge that was made from a TV after the fraud alert was confirmed and the card was locked. Cancelled Card.
Consumer complaint received 2022-07-12
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 XXXX XXXXXXXX XXXX Account Number : XXXX, XXXX Accont # : XXXX XXXXXXXX XXXX XXXX Acct # : 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions