davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act, 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 that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-11
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. (IL)

I checked my credit report XX/XX/XXXX and XXXX XXXX XXXX XXXX  was on my credit report along with a Texas address I did not recognized. The lease/loan was opened XX/XX/XXXX in the amount of {$2800.00} and the balance is currently {$2900.00}. 

I immediately contacted XXXX and they told me based on my social security, phone number, name and address they could not locate an account for me. I then disputed the account thru experian and also filed a police report. But the company is still refusing to delete and or terminate the lease thats in my account that I did not open. 
Experian has contacted them to let them know I did not open this account and this is fraudulent. XXXX can not locate an account yet it is still showing up on my credit report. 

I have had a fraud alert and lock on my account since XXXX as I am unsure how this has happened to me.
Consumer complaint received 2022-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-01-12
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. (MS)

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 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 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 2023-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (PA)

I signed up for the TD Bank credit card for the {$150.00} cash back after spending {$1000.00} in my first so many billing cycles. After activating and spending approximately {$250.00} on the card, it was locked for suspicious purchases. I called and spoke with a representative who needed to call my phone number to verify my identity before discussing my account. I failed to answer the phone call and hear the code number one time. Due to a difficulty using this phone number, I asked if they could try another number and they could not. They are now refusing to discuss unlocking my account further unless I visit a branch in person. The problem is that the nearest branch is 2 states away from me. I have already spent considerable money with them towards my {$150.00} bonus, but it appears I will not be able to use the card to complete the bonus.
Consumer complaint received 2023-11-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MO)

I revoked ACH authorization from XXXX which was confirmed on XX/XX/XXXXXXXX  and they still charged me for {$65.00} on XX/XX/XXXX. They said they can not refund me after acknowledging that I revoked ACH and have since cut off communication with me. I reached out to my bank, Chime, and had a stop payment placed on XX/XX/XXXX as well and they still processed the payment on XX/XX/XXXX.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRUIST FINANCIAL CORPORATION (OH)

On XXXX XXXX XXXX, 2022 XXXX am I received an email from XXXX XXXX stating " Identity Verification Transaction Detected by XXXX XXXX  ''. I called them that afternoon and a case was opened to get information regarding the detection. I was told the " Alerts and Restoration '' was busy and should return my phone call by XXXX XX/XX/2022. On XXXX  XXXX XXXX, 2022 XXXX am I received an email stating " XXXX XXXX XXXX Membership Is Cancelled ''. I called them at approximately XXXX and was told there wasn't anything they could do regarding my case because the membership was cancelled and they had no access to any information even though the case was opened prior to cancellation. I didn't receive any information regarding the identity transaction.
Consumer complaint received 2021-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NV)

I was charged fees and interest after I closed my credit card account with Synchrony Bank. I had a XXXX XXXX. After not receiving statements XXXX XXXX, I requested a closure of my account in XXXX XXXX.I paid a balance that I didn't even owe of fees and interest in XX/XX/2020 of about $ XXXXand told a representative that I wanted my account closed. I have received bills since that closure. I do not even use the card.
Consumer complaint received 2022-09-28
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. (OH)

On XX/XX/2022 I XXXX XXXX received a response from all three credit bureaus Transunion, XXXX and XXXX saying my information was verified. Under law it cant be verified if I never have permission to report. 

Pursuant to 18 USC 8. I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681B 2. Company also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681B 4
Consumer complaint received 2017-06-23
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. (CA)

my complaint is regarding few late payments that credit bureau agencies are reporting, on few of my credit cards, which i have never been late, i have mentioned that it ought to be a banking error or a mistake through creditors end, but absolutely not my mistake. please help me to proof this absolute inaccuracy to them. they need remove this inaccurate delinquencies from my credit reporting agencies, such as XXXX, equifax and XXXX.
Consumer complaint received 2021-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

XXXX loan servicing never sent my refund check in the alotted timeframe the law provides. I have called multiple times over and over and over. I was promised that the payment would be overnighted. It never was. I called back and they gave me a random number, they called a tracking number. XXXX It was not a tracking number. XXXX could not find who the check was sent through. She said maybe USPS, XXXX  or XXXX. I searched the tracking number on each service and none of them came up. She then told me she doesn't know if it is an I or an L. She made up a random number for a tracking number and the check was never overnighted or sent out. This happened before where they told me and promised me that it would be overnighted. It came over a week later in the regular mail. This is alot of money. This was my food money for the month. I have had to go to the food bank, who only was able to give me enough food for my daughter. I have not been eating all month because of XXXX XXXX refusing to send my refund. I have lost over XXXX pounds because of this. I am starving! I want to pay my bills! I want to be able to buy my daughter new diapers instead of washing non reusable diapers and reusing them. This is unaaceptable from XXXX, well it's obviously acceptable to XXXX, but not acceptable by my terms. They just transferred me to somoeone in XXXX who barely spoke english and had no clue what was going on. 
Got another tracking number after that XXXX, which reflects the check was sent 3 day and not overnight. It says it was delivered. It was not. The rep would only tell me to wait for it. Wait for the check that was delivered to the wrong address? So someone else can cash it? 
This company is unbelievable. 
I'm currently on the line begging for a new check to be sent out since it shows it was delivered to the wrong address. The guy keeps telling to wait for it to be delivered. He is in the offshore callcenter and has no clue what I am saying. He just keeps repeating the same scripts. Scripts having absolutely nothing to do with what I am saying. 

Also I can only call in to supervisor lines, when I call customer service the phone tree says my loan is paid off and refuses to let me speak to someone. 

I tried logging into the website and its making me 2 factor verify, but its not sending me the verification code. So I cant call the call center, I cant access online. How do I do anything except submit a complaint through CFPB. CFPB is the only way that I can get someone at XXXX to even acknowledge me.XXXX XXXX
Consumer complaint received 2021-05-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

Beginning of XX/XX/XXXX we were on a 6 months forbearance program due to pandemic, later in XXXX we continued another 6 months of the program. However in XXXX we filed for modification. We got approved in XX/XX/XXXX with the modification. We were not notified with the modification approval or received any paperwork. 
On XX/XX/XXXX the XXXX company called us and advised us that we are required to do a payments for the months of XXXX in the amount of {$4800.00}. We made a payment via phone to this company for the exact of {$4800.00}. This payment was taken from our bank and we have the bank statement to show the proof of payment. However till today XX/XX/XXXX the payment has NOT being posted to our account. We tried to solve this issue with this company for over a month and half, with several phone calls and yet this issue has not being solved. 
We resumed our normal payments. But {$4800.00} has not been posted, we are getting charged with interest on this and also getting multiple delinquent calls harassing us.
Consumer complaint received 2021-05-14
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. (CO)

XXXX obtained my credit report from Experian without my authorization. My Experian account is frozen, yet XXXX claims they obtained my report. My auto insurance provider XXXX XXXX XXXX obtains a Insurance Score from XXXX ( see attached documents ). I requested a copy of the report from XXXX which they sent and they site Experian as the source of the credit information.
Consumer complaint received 2022-04-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (GA)

on XX/XX/2021 The Small Business Association deposited Funds of {$5000.00} usd into my Bluebird ( American Express ) account. Bluebird ( American Express ) Closed the account on XXXX XXXX shortly after the funds were received. I contacted Bluebird ( American Express ), after several calls and emails I was told that my account has been closed. I contacted Bluebird ( American Express ) to request that funds be released from closed account to my new account or sent back to Small Business Association. Bluebird XXXX American Express ) stated that they would only release the funds if and when they receive a letter of indemnity from Small Business Association. I contacted the Small Business Association and they informed me that they do not write such letters. I have sent several emails to Bluebird Investigation team explaining that SBA does not write such letters and asking what else could be done to have these funds released from said closed account. I have only received automated emails from Bluebird XXXX American Express ). No one has responded. SBA does not write letters of indemnity. I have spoken with a paralegal with SBA that states they do not write such letters and they have never ever received such a request. Bluebird ( American Express ) states that the account is closed but I still receive an account balance email weekly. I would like to know how I can have these funds released from account without letter of indemnity due to the fact The Small Business Association does not and will not provide such letters.
Consumer complaint received 2021-05-14
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

I walked into XXXX XXXXXXXX in XXXX XXXX today to perform a simple lease buyout of my 2018 XXXX XXXX that I leased in XXXX of 2018. The woman I dealt with XXXX was extremely helpful, knowledgeable and nice. After she had taken my information and I had informed her I was paying cash for the buyout XXXX XXXX walked over and insisted he had to run my credit in order to accept cash for the vehicle, which I refused. I have worked in XXXX for 17 years and I have never heard of a company having to run my credit to accept a cash transaction. This is even more ridiculous because the lease is through XXXX, so it's financed through their finance department. I refused the inquiry as I am in the process of purchasing a home and do not need additional hard inquiries on my credit report for no reason. The argument became heated and he remarked, " We can either run the credit or you can't buy the car, and I'm not wasting my time on a transaction I don't make any money on ''. So I refused and left. XXXX XXXX  after arriving home I received a notification through XXXX that XXXX XXXX via XXXX had made not ONE but TWO hard inquiries into my credit. I did NOT give him permission to do so, and explicitly refused a credit inquiry.
Consumer complaint received 2022-04-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CNG FINANCIAL CORPORATION (MI)

I had no options to choose for my issue I paid off 2 check n go loans. When I applied for a 3rd they wanted a bank statement witch doesn't get generated till next month. They take a screen shot of my bank history showing I paid them off. ( They don't have info that I paid them? ) So I took the screen shot uploaded and they sent me an email telling me to do it again so I called them to find out why. I was informed that my screen shot does not show a balance after a debit and is not acceptable. Very confusing how my balance has anything to do with it. I begged like a dog for supervisor I had to call several times to get speak with a supervisor. 
My complaint is that one of the representatives asked me if I knew how to alter a document like in photoshop and I got the impression he wanted me to alter the documents put balances in so he could issue me a loan I do believe altering a financial document to obtain a loan is considered fraud and illegal And that fact that on XX/XX/XXXX my bank balance meant the entire world to them and I just refused to alter a document. So I told them to cancel everything I don't want to do business with anymore. On XX/XX/XXXX they sent another email requesting my bank statement again. I went into my account to send feed back and a complaint to find they don't want my bank statement but wanted to sign e document. So on XX/XX/XXXX my balance meant everything to them but on XX/XX/XXXX it didn't mean anything to them I don't think any lender should be allowed to suggest the customer to alter documents so he provide them with a loan They are constantly sending emails telling me I can apply when I've beggedthem like a dog to stop and remove me from their list and they refuse to do so I'm legally deaf by federal guidelines. I talk loud get accused of yelling get threatened to be hung up on because of it, I'm not allowed to be human with emotions and feelings. I'm supposed to let check n go treat me like a dog and make me beg to speak with a supervisor. The customers service is disgusting. It tried solving this with there feed back department and they are just as bad Please do not allow this company to do this to others I've included the screen shot they suggested me to alter
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX # XXXX is reporting a debt I do not owe. I have no idea where this balance has come from, I left on good terms with them and even got my full deposit back. I've received no notifications for this debt and have no idea why this is here. This debt is not mine and I do not owe it.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (CA)

I had four accounts with bmw financial. All paid on time. There was a lease end charge on one account and they applied it to another. I even paid again to try to resolve, yet they are reporting my account as being delinquent, resulting in a XXXX point score drop. 

Dates : Acct paid of in full - XX/XX/XXXX Lease end balance paid - XX/XX/XXXX Additional paid advice what I owed XX/XX/XXXX I also told them since the beginning that I am XXXX and had really bad XXXX  when we were first going through this, and maybe they applied it to the wrong account because of my condition. Yet they won't remove the negative report.
Consumer complaint received 2022-04-11
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: January Technologies, Inc (MN)

My mother was sent an email about an overdue balance on my checking account. The email that my mother received detailed my account information and the balance overdue. My mother is not associated with the account in anyway and only my email address is listed on the account. The collection agency that sent the email is called XXXX. XXXX shared sensitive/personal information with a XXXX party not associated with the account.
Consumer complaint received 2022-04-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NJ)

Chase Bank charged a ridiculously amount ( over {$5000.00} ) from my mortgage escrow for home owner insurance, whereas my own policy is ~ {$500.00}. They didn't attempt to reach me via the proper communication channels, such as emails or phone calls. We were out of town for a few months so just got to catch up with the mail they sent. 

What's worse, it's impossible to contact the custom service. They listed ( XXXX ) XXXX on https : //www.mycoverageinfo.com/chase website, but when I called, it's all automatic. The call doesn't provide me extra information than the website, there was no custom service ( pressed XXXX but it's not recognized ), it was extremely hard to navigate the selections and there was no way for me to figure the insurance requirements or have my questions answered. 

Overall, I think the Chase bank didn't do a good job to help someone who's new to their mortgage to XXXX ) understand the requirements and upload the insurance coverage evidences, XXXX ) get help from custom service. They would rather charge {$5000.00} from the escrow than trying to set the custom success and satisfied.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (OH)

Today is XX/XX/XXXX. I'm following up about my credit report. 
On XX/XX/XXXX I was checking my credit report. I noticed unrecognized collections on my credit report from ; XXXX ) XXXX XXXX, XXXX XXXX, XXXX ) XXXX XXXX, XXXX ) XXXX XXXX XXXX XXXX, and XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX about a High Credit balance of XXXX. I have no business with XXXX. XXXX, XXXX My original creditor is : XXXX XXXX XXXX I never gave permission for my information to be improperly shared. I want this account removed off my credit report XXXX ) XXXX XXXX XXXX about a High Credit balance of XXXX XXXX I have no business with XXXX. My original creditor is : XXXX I never gave permission for my information to be improperly shared. I want this account removed off my credit report XXXX ) XXXX XXXX XXXX XXXX about a High Credit balance of XXXX XXXX I have no business with XXXX XXXX. My original creditor is : XXXX. I never gave permission for my information to be improperly shared. I want this account removed off my credit report. 

XXXX ) XXXX XXXX XXXX XXXX about a High Credit balance of XXXX XXXX I have no business with XXXX. My original creditor is : XXXXXXXX XXXX XXXXXXXXI never gave permission for my information to be improperly shared. I want this account removed off my credit report. 

The list of accounts above are unrecognized and, in violation of my consumer rights to privacy and confidentiality.In accordance to fair credit reporting 15 U.S.C 1681 Section 602 A I have the right to privacy and information submitted must be accurate. 15 U.S.C 1681 section 604 A section 2 : Consumer reporting agency can not furnish a account with my written instruction or permission.

15 USC states informaction reported must be accurate