davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

RECEIVABLE MANAGEMENT SYSTEMS IS reporting a collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Consumer complaint received 2021-07-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

- Failed to complete money transfer from previously verified, utilized and valid account. 
- Erroneously charged a Returned Item Fee - Harassed and threatened me - Failed to acknowledge that I was not at fault and refused evidence to prove their error.

See Attached Documents for Details and Evidence
Consumer complaint received 2018-04-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Seben Hospitality Investments LLC (TX)

I was contacted by a company called " Helping Hands ''. This company told me I qualified for the Student Loan Forgiveness Program. I was told I would be charged a fee paid over a few months. I paid the fee. I was told I qualified for the Student Loan Forgiveness Program and my loan would be forgiven. My credit scores would dramatically improve, etc. None of this happened and I am receiving letters demanding payments I can not afford. I don't know what to do. When I try to contact this company, my emails are returned.
Consumer complaint received 2018-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX TransUnion Credit report XX/XX/XXXX XXXX XXXX XXXX XXXX have last payment as XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} From XXXX/XXXX/XXXX to XX/XX/XXXX is five years. 
According to Florida State Statute 95.11 ( a ) ( b ), a debt is no longer legally collectible after five years, thus making this debt no longer legally collectible. 
The entire amount is no longer collectible and should not be shown on my report as any attempt to collect a debt which is otherwise uncollectible is illegal I send Transunion and XXXX XXXX a letter telling them that is not my account. 
Transunion send me a letter on XX/XX/XXXX verified as accurate and updated Transunion send me a letter onXX/XX/XXXX verified as accurate and updated
Consumer complaint received 2021-07-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MA)

My complaint is with SLS - Specialized Loan Servicing. They have been in constant contact with my ex-mother in-law ( XXXX XXXX ) over my mortgage and has left me out of decisions by not contacting me. My husband and I were co-borrowers of the mortgage. My husband ( XXXX XXXX ) passed away in XXXX and she was appointed as the executor of the estate for 6 months in XXXX. The reason for this was I had underage children and I was incarcerated. I was incarcerated from XXXX. To complicate the matters, my husband and I divorced in XXXX and I deeded the house over to him. He was suppose to re-finance the house and buy me out but never did. from XXXX, Decisions were made on my behalf without my knowledge and consent. I was only made aware there was a problem in late XXXX when my ex- mother in-law told me she did not know what to do. SLS had stopped accepting the mortgage payments in XX/XX/XXXX. When it was brought to my attention, I for filed a loan modification and on numerous times was told my application was incomplete ( at times, the correspondences were not even addressed to me or to my mailing address ) I continued to get second hand information. SLS continued to ask for XXXX XXXX 's information even though she was not on the mortgage or was applying to be. My application was denied because her information was not sent, I have sufficient income to cover my mortgage payments and wish to keep my home. I believe I am a victim in unscrupulous practices and possibly fraud.
Consumer complaint received 2021-07-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

I have been trying to modify this mortgage for almost 8 months, every time they request a document I send. Each time the requested document is sent, they ask for something else. in the mean time I have not been able to make a payment since XXXX.
Consumer complaint received 2018-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

Equifax is not updating payment history for XXXX XXXX XXXX XXXX Credit Card. Account is visible and active, just no payment history from this bureau. Opened the credit card in XXXX through current, no history available through Equifax. Spoke with customer service at XXXX XXXX on XX/XX/XXXX, they indicated they report complete information and history to all credit bureau 's.
Consumer complaint received 2020-07-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (MT)

PayPal has closed my account and is holding my money for $ 180 days. ( 6 months )! 
They said they are holding it due to if someone wants a refund. I have a personal account not a business account. The only money put in my account was from unemployment. Which I really really need. 
I've tried every Avenue I can think and I still am not able to withdraw my funds. 
I just want to send my money to the prepaid service I use now
Consumer complaint received 2018-10-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (OR)

XX/XX/2018 RE : bank accounts XXXX XXXX XXXX and XXXX XXXX XXXX On Thursday XX/XX/XXXX and Friday XX/XX/XXXX I open these two bank accounts at Chase Bank in XXXX, Oregon. On Saturday, XX/XX/XXXX, I logged into those accounts, using online banking, in order to purchase checks using XXXX XXXX services. Everything was fine in that online session. 

Today, Monday XX/XX/XXXX, I attempted to log in on those two accounts and received an error message. It said I was unable to log in and to call a number they provided. I called that number and spoke to four people, two of which were an initial fella, XXXX, XXXX, and XXXX. They told me my two accounts were cancelled, that it would take 14-20 days to return via mail the initial deposits in a cashier check. The initial deposit was {$100.00} USD in each account, {$200.00} USD total. 

Well, I am out the {$200.00} for almost three weeks and the cost of the checks which is is {$13.00}, plus my frustration and defamation to my name since this will have negative impact on my credit score. 

No reason was provided to me on canceling my accounts. I have a average credit score. I have existing checking accounts with three other banks in this community on my business banking and my personal banking. 

I am writing this letter to file a formal complaint with Chase Bank on their discriminatory and secretive banking practices. My accounts were cancelled with no notice. My money is being held for 14-20 days before being returned. I am out money I spent on getting checks printed. I made a request to each person I spoke with to go to the local Chase Branch, in XXXX Oregon, and pick up my deposits. Each person said that was not possible. I have not written and checks or made withdraws on those accounts. Why is it taking three weeks to return my money? 

I want a refund of {$200.00} for my deposits, {$13.00} for the checks I ordered, and {$1000.00} in punitive damages. That is a total of {$1200.00} USD that I expect to receive from Chase Bank. 

What do I need to processed a formal complaint with Chase Bank.
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have called TRANSUNION for a week straight pertaining removing fraud alert. I have done everything they suggested I do to remove alert, there system is always down all the time and every time I call they say they can complete this request for me which makes no sense at all.
Consumer complaint received 2021-07-07
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. (MO)

I am a current victim of identity theft, XXXX, XXXX, and Experian continue to report fraudulent activity on my credit report. XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX ( {$2600.00} ), XXXX XXXX ( {$6800.00} ), XXXX XXXX XXXX XXXX ( {$2400.00} ). FTC has been filed in XXXX of 2021, they did not comply within the 5-7 business days according to federal law.
Consumer complaint received 2021-07-07
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. (IN)

I submitted numerous disputes over the period of more than 180 days concerning inaccurate information on my credit reports. I never received notification from the credit bureaus that my disputes were even looked at.
Consumer complaint received 2022-06-10
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 XXXX Account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2022-06-10
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. (LA)

In accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me.The stuff on my credit report is wrong 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 2022-06-10
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX, XXXX Account # XXXX, XXXX XXXX, XXXX Account # XXXX and XXXXXXXX XXXX  XXXX. Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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, 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 2021-07-07
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: EQUIFAX, INC. (TX)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2020-06-03
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. (TX)

I have been asking the credit bureaus to delete these unknown addresses on my report since XX/XX/XXXX. 

XXXX  has an inaccurate address of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian has an inaccurate address of : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX  has an inaccurate address of : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX I need them deleted off of my credit reports they do not belong to me. Not my primary residence.
Consumer complaint received 2019-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2022-06-10
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 (TX)

To whom it may concern, I have attempted on several occasions to reach out to the bank Chime customer service department via phone and email in regards to unauthorized/ disputed transactions on my checking account ending in XXXX. 
The following transactions are involved in the dispute : XXXXXX/XX/XXXX- {$110.00} For this XX/XX/XXXX order XXXX I returned all products to XXXX in which I have attached returned proof and shipping. I have tried reaching out to both XXXX and Chime regarding the matter, both seeming unwilling to help. 
XXXX XXXX XXXX XXXX XXXX {$20.00} XXXX XX/XX/XXXX account- {$70.00} XXXX XXXXXX/XX/XXXX- {$32.00} Total amount disputed : {$240.00}. 
I initially tried contacting customer service by phone over a month ago via telephone where someone hung up on me. On Moday XX/XX/2022 I sent an email to Chime member services at XXXX, with the above disputed transactions along with supporting documents. I followed up with my initial email on Thursday XX/XX/2022 and Friday XX/XX/2022. Additionally, I have tried contacting via telephone since then several times to get no response or a human answer. This has been an extremely frustrating experience, as this transactions were unauthorized or for items I paid for but did not receive. I have attached all emails sent to chime in addition to the original disputed transactions and other supporting documents.
Consumer complaint received 2019-08-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FREEDOM FINANCIAL NETWORK (CA)

I was told my loan was been processed for disbursement on XX/XX/XXXX. Every day since day of processing, my account has been accumulating interest even when no disbursements have been made. I have contacted the credit card companies who have stated they have not recieved any funds from FreedomPlus and does not see anything incoming as of XX/XX/XXXX. I have contacted FreedomPlus to request documentation that the loan was disbursed in order for them to charge interest. I was told they could not provide any such verification. They have refused to remove the interest off of my loan even though they have not disbursed funds. I told them I starting to feel like this is a scam and to please cancel my loan if they will not disburse. I have received no communication regarding the cancellation of my loan ... no follow up to any of my requests.
Consumer complaint received 2019-08-27
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MA)

On XX/XX/2019 I scheduled a one time payment with Nissan Finance to pay my auto lease. I looked at my bank account on XX/XX/2019, and noticed Nissan Finance took out two payments one was with my authorization one wasn't. I contacted Nissan Finance and explained the situation to them and they stated I had to provide bank statements proving the funds were taken twice which I have no problem doing however, I did not give Nissan authorization to take two payments and was never notified of a 2nd payment that was scheduled. I tried to explain to the chat rep and the customer service rep that Nissan did not have permission and they kept stating that I have to wait 21 days and i'll get a refund in 5-7 business days after the fact. To me this is absurd it was Nissans mistake by taking an unauthorized payment. If Nissan is saying I scheduled two payments I would like proof of this they must have analytics they run in the background to prove I clicked the " authorize payment '' button.
Consumer complaint received 2019-08-27
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. (NY)

The company listed is in violation of the fair credit act, they continue to report to each of the credit bureaus false and inaccurate information. 

what they are listing is that I resided at an address that I have no association with, ( XXXX XXXX XXXX XXXX XXXX PA XXXX ) it is not listed on my credit report, therefore they are in Violation of reporting. 

I have mailed proof, federal documents to have the item removed and it is still reporting as negative and needs to be removed as I will be filing legal action. 


I again have attached my proof of residency as well as my federal documents proving my identity and address.
Consumer complaint received 2021-02-14
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: Self Financial Inc. (MA)

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Consumer complaint received 2018-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sterling Infosystems Inc. (CA)

I was reading this report u sent me and a see that a diff name was on the list XXXX XXXX. That is not my name never had been I never use it. And wanted to know how do I get it taking off? Also with the XXXX XXXX  I've never had that also. Everything else is ok.
Consumer complaint received 2022-06-10
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, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX, and 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.
Consumer complaint received 2020-11-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Fia Card Services Na has a federal judgment against them for injustices of card users, My first claim was they were not listed on a XXXX XXXX XXXX judgment which is hampering my day to day functioning. XXXX XXXX XXXX date is isted 2011 which is used to delay my relief. Docket XXXX In my first response I did not explain the federal judgment against this group.discrediting their credability. 

Their response was just which your agency demanded was just enough to delay for another 60 days. 

I ask for relief as to their proven unlawful charges, fees, and forcing responses and payments from correspondents or customers