davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XXXX XXXX, 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-04
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. (MI)

Know that the following inquiries were unauthorized. I have not reached out to any of these companies nor inquired about anything. There must be something wrong with Equifax 's investigation which they should eventually correct. Please see the inquiries that are unfamiliar to me.
Consumer complaint received 2021-05-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (HI)

I want to file a complaint. For alledge [ Loan fraud, Forgery, Identity theft, Bad faith dealings, Deceptive and Misleading information and Breach of Fudicuary duty ] against XXXX XXXX XXXX XXXX, SELECTIVE PORTFOLIO SERVICING INC and Debt collector XXXX XXXX XXXX XXXX, their Brokers, Real estate agents and loan underwriters for knowingly filed a fraud mortgage Note Document number XXXX in the office of the Assistant Registrar of the Land court in the XXXX XXXX XXXX Hawaii. 
Please refer to File number : XXXX, XXXX Attached is a Mortgage supposedly executed by XXXX. 
The Mortgage note submitted was not executed by XXXX 
The signature is a Forged signature. 
That is Identity theft. 
On XX/XX/XXXX affidavit was sent to SPS to notify them of the Forged signature on the Mortgage note among other Notarized Forged signature on the loan application. 
On XX/XX/XXXX, the exact Documents were sent to Debt collector XXXX XXXX XXXX XXXX to notified them of the Frauds committed on the Mortgage Note and fraud signatures on the loan documents Attachments submitted are documents evidence to support my complaint.
Consumer complaint received 2020-02-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: REGIONS FINANCIAL CORPORATION (TX)

On XX/XX/2020 i recieved my first paycheck from my employer, a temporary staffing agency named XXXX, via the comdata paycard they gave me. I was a new employee. Advised by XXXX that I would need to fill out a new application etc. I had not been affiliated with them in many years. On my pay day I noticed that Comdata took {$8.00} from my wages. Per Comdata 's agents this money was taken from me because of a past due 6 years old debt that i didn't know existed that originated in XXXX. I am now in XXXX. Comdata had not notified me of any debt to my knowlege. I contacted comdata and the nightmare began. i spoke with several different agents to only be hung up on continously by XXXX agents while i was still speaking and one agent in particular, a supervisor by the name of XXXX, taunted me continuously by saying i should " Sue Comdata '', implying that would be the only way to have my stolen funds refunded. I was also given conflicting information about the alleged debt. On XX/XX/2020 I spoke with XXXX, an agent from Executive Support, who was immediately hostile, angry and rude with me. XXXX inferred i was lying and said that phone records show i was told the money would not be refunded. However i was never told the money would not be refunded during my calls and in fact, an agent from Support named 'XXXX  ' stated a request had been made to the backoffice to refund the {$8.00}. After being accused of lying by Executive Response agent XXXX and after i had asked to be escalated higher and rebuffed by XXXX and told there was no one i could speak to higher than her - i requested to be given the name and address of Comdata 's registered agent - which by State law they are required to give - and XXXX did not provide this. Comdata has been deceptive in its dealings with me by lying in wait, for 6 years, to collect a debt i had no knowlege of in XX/XX/2020, without any notice and this violates Section 5 of the FTC, as well as numerous consumer protection laws through the state and Federal Government. I had a right to be notified of this debt before my finds seized and I had a right to contest the debt. XXXX lied in wait for me for years and seized my paycheck when the opportunity arose. Completely blindsiding me.
Consumer complaint received 2022-06-18
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. (DC)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, Dept. Of Education Account # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX account # XXXX, has violated my rights.

15 USC 1681 602 ( A ) States I have the right to privacy.

15 USC 1681 604 ( A ) Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diversified Adjustment Service, Inc. (TX)

On or about XX/XX/XXXX I was notified by my credit union that my checking account had been overdrawn in the amount of {$1100.00}. When I went to the credit union to get an explanation I found that XXXX had erroneously charged me for prematurely terminating the terms of my phone lease for 3 phones. This was an error on their part. I had enabled auto-payments for my bill, so they withdrew the funds and left me with the overdraft. When I called XXXX Customer Care to dispute the erroneous charge the representative told me that he wasn't sure why the charge was made ( because I certainly didn't terminate my lease! ). I asked how soon the charge could be returned to my account and he told me it would be 7-10 days. I explained their action resulted in the overdraft of my account, and I need that money to pay my rent and other bills. I told him the 7-10 day period was not acceptable, and asked if some type of exception could be made due to it being their error. I told him I was concerned about the erroneous charge refund policy, but more concerned about the situation I was left in due to the error. He told me there was nothing he could do. I again asked if there was some type of exception for me as a 15-year customer, or if there was someone else I could speak with ( escalate the call ), he said no and ended the call. I have been in Customer Service my entire professional career ( over 35 years ) and this interaction was a perfect " learning opportunity '' for that young man, but apparently that call was not monitored or reported because I was never contacted by anyone in XXXX XXXX Customer Care leadership. I can not describe the feeling of helplessness. My first action was to terminate the auto-pay to XXXX ( I was also required to submit a stop-payment order for them because they subsequently tried on two occasions to again withdraw those same funds! Is that legal? ). I then had to request a loan to pay my rent which they quickly approved because the representative heard my conversation with XXXX. Not once did they acknowledge their error, or offer me an apology for the XXXX service I received as a 15-year customer. Some days later I changed my service provider. I was sent communications from two different collection agencies on behalf of XXXX that were disputed through XXXX and invalidated. The results from the dispute with XXXX. XXXX were posted 0n XX/XX/XXXX, and with XXXX XXXX on XX/XX/XXXX. Today I received communication from Diversified Adjustment Service , Inc., XXXX XXXX XXXX, XXXX, MN XXXX, also on XXXX 's behalf. I am aware that many companies sell debts to collection agencies. In my opinion this company has purchased a " bad '' debt that has been twice invalidated. I feel XXXX is harassing me with these collection attempts that are a result of their error and terrible treatment of their ( former ) 15-year customer. Can XXXX be compelled to stop these collection attempts?
Consumer complaint received 2018-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I have a credit card with Capital One. The interest on purchases is 21.4 % and the interest on cash advances is 26.4 %. My balance on the account for my XXXX states is {$2700.00}. The overall credit limit on the account is {$3000.00}. I have a cash advance credit line of {$1500.00} but some how the cash advance balance is {$2600.00}. I haven't gotten a cash advance in almost two years. To my recollection, I have never missed a payment. I spent almost two hours talking with two different representatives trying to ascertain ( 1 ) how my cash advance balance is almost {$1000.00} over the limit ( 2 ) why the {$26000.00} does not appear to have gone down in the almost two years since I have took out the last cash advance, and ( 3 ) how the the cash advance balance get to be such a high balance in relation to the overall line of credit. Neither representative could explain any of my questions. They tried to say that the reason for the balance is because of the interest that accrues on the account every month. However, the interest that is charged on the account can't be more than the minimum payment or the account will never be paid off. Example ... my XXXX statement says the minimum payment is {$87.00} of which {$58.00} was interest charged for the cash advance and {$2.00} was interest for purchases. I made a {$100.00} payment. There is not logical way that the cash balance should go up, even if I pay the minimum payment it still should not accrue a {$1000.00} of interest.
Consumer complaint received 2022-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

- IKEA Credit Card Auto Pay unenrolls automatically without informing the customer.

- IKE Credit Card charged late fee and late fees for late fee and charged interest for late fees. 

I have been trying to setup IKEA Credit Card 's automatic payment for some time without any success. I set up the automatic payment several times online in my account. It looked liked it was successfully setup. But then it unenrolls me from automatic payment and I was charged late fees. It happened several times. 
On XX/XX/2022 I found out that the automatic payment was unrolled and made payment manually 2 days after the due date which was XX/XX/2022. I paid the full balance. However, I didn't know that a late fee of {$40.00} was charged on my account. 
When I checked my account in XXXX IKEA Card charged late fee and interest on the late fee. I disputed the charge on XX/XX/2022 and talked to XXXX with ID XXXX. He could wave only one of the late fees. I still think that I shouldnt pay any fees since its automatic payment unrolled itself. I asked him to check this issue. I also talked to XXXX at IKEA Card 's dispute center. Noone could take care of the automatic payment issues. I disputed the late fee and interest charges on late fee. I also requested IKEA Card to fix its sissues with Automatic Payment.

I talked to manager XXXX on XX/XX/2022 at XXXX. XXXX finally admitted that IKEA Credit card unenrolls from auto pay as soon as there is no balance in my account without informing the customer. 
I think this is unfair practice. 
Please investigate. 
Thanks,
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-07-24
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, and 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 2018-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MO)

Our home loan was sold by XXXX XXXX XXXX to Rushmore Loan Management Services in XX/XX/XXXX. Taxes and Homeowners insurance were both escrowed by XXXX XXXX and Rushmore continued to escrow both. Our annual homeowners insurance was due the latter part of XXXX. I contacted Rushmore the beginning of XXXX to see if they had received the bill. They informed me that they had reviewed the Master Policy for our condo association and deemed it unnecessary to escrow our insurance. I was instructed to pay the annual premium that was coming due. A copy of the paid in full policy was sent to Rushmore. Since that time I have contacted Rushmore numerous times to be refunded the monies they were holding in escrow for insurance and to have our monthly premium changed so that it did not include homeowners ' insurance. I am not quite sure if they are just incompetent or if it is a way of keeping and using our money as long as they can, but as of today they are holding all of our insurance monies in escrow and our monthly mortgage payment still includes an amount for the homeowners insurance. I would appreciate any help you can provide regarding this issue.
Consumer complaint received 2022-07-24
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, and 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 2018-05-14
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (MD)

I initially signed up for college in XXXX with XXXXXXXX XXXX XXXX XXXX, AZ location. I had explained that in XXXX I would have to take some time off due to my Mother 's fight with XXXX becoming more intensive but I assured them that I would return once she was better. She XXXX in XXXX. It took longer than I had anticipated to return after her XXXX but I did return in XXXX to continue where I had left off. The school told me that I had 44 credit pending but I questioned why they weren't just transferred since I was attending XXXXXXXX XXXX and not another school and they said that because that campus had closed and that some of the credits would be transferred but not all. I kept questioning it because it was the same school just one of their now closed campuses. So I had to re-pay for some of the classes even though I was continuing in the same field. According to them they wasn't certain if they were going to have to prorate my loans.
Consumer complaint received 2018-12-13
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. (CA)

I have been dealing with this issue for months in attempting to correct the reporting of my account of XXXX XXXX XXXX XXXX when my account keeps getting reported/reflected incorrectly. Each month I discover the account reported negatively, I send supporting documentation to correct the issue. It gets corrected for a month, and then the following month it shows a negative status again. I do not know where the mistake lies, with the credit company or with XXXX XXXX XXXX XXXX but it needs to stop being incorrectly reported and having me spend time and money correcting the same problem over and over again. 

Over the past several months, the negative reportings have been " in collections '', " charge off '', " repossession '', and most recently " partial payment '' used interchangably. I have been paying XXXX XXXX XXXX XXXX at over the required payment for an auto loan consistently and on time ever since I got the loan in 2017. Additionally the vehicle has not been repossessed. It was involved in a motor vehicle accident, and was " totaled out ''.
Consumer complaint received 2018-05-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Credit Bureau, Inc. (GA)

I contacted merchant CB XXXX XX/XX/2018 spoke with a representative and I gave her my name only to find out they don't have any account for me just my twin brother so she continued to place me on hold asking for more personal information I did not feel comfortable after giving her personal information twice to give more info after I was put on hold everytime I gave her info
Consumer complaint received 2018-05-14
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: JPMORGAN CHASE & CO. (TX)

On XX/XX/2018 Chase Bank indicated i made an inquiry regarding one of their cards which is false. I dont have any Chase accounts nor credit cards. I tried resolving issue over the phone and was unsuccessful.
Consumer complaint received 2016-08-08
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

My mother signed XXXX personal checks totaling about {$20000.00} to my aunt XXXX XXXX XXXX. XXXX opened a Chase savings account and deposited those checks. My mother 's XXXX bank verified the checks and Chase withdrew the money from my mother 's account on XXXX/XXXX/2016. Chase deposited the money into XXXX savings account on XXXX/XXXX/2016. Immediately after the deposit, Chase withdrew the full amount back and locked my XXXX account. Chase did not return the money back to my mother 's account and refused to give the money to XXXX. My mother passed away on XXXX/XXXX/2016. I was her Power of Attorney relating to her physical and mental health at the time when the checks were signed ( XXXX/XXXX/2016 ). I am also on my mother 's will and a beneficiary of her bank account. I even witnessed those checks being signed. My older aunt, XXXX XXXX, was/is my mother 's Power of Attorney of Property and Personal Affairs. Thuy also came into a Chase Branch to verify those checks.The documents containing the will, death certificate, power of attorney, and the beneficiary information of my mother 's bank account has been presented and/or scanned by a Chase banker. Chase told me that someone must petition for executor of my mother 's estate in order to get the money to XXXX. Petitioning for executor of estate is a very long, expensive, and time consuming process. I do not have time and the money to do this, and we need that money immediately. Chase still has not returned the money to my mother 's account or given the money to XXXX. Today is XXXX/XXXX/2016.
Consumer complaint received 2016-02-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

On Friday XXXX XXXX, 2016 I suffered double discrimination at Chase Bank when my wife and I tried to open a joint checking account. I presented my driver 's license and an ATM from another bank for ID 's. My wife presented her driver 's license, but she did n't have an ATM. The bank officer requested a passport which my wife did n't have. We asked him if we could present other documents, but we did n't have those. I asked again and he was rude and insisted and insisted on paystubs, passport even an alien card? We are Americans ( XXXX ). My wife got really upset ( crying ). This person was talking to us like we were criminals. I 'm also a XXXX person. I asked for a supervisor who instead of apologizing for his worker 's actions he made things worst. Then, I suggested if we could present social security cards and both looked at me with surprise like I never had one. Then, the manager said we could be use the social security cards as IDs. I asked why the bank officer did not mention that at first place and avoid all that trouble? The manager 's answer was that his worker did n't have that in his mind in first place. I told the manager why does he give a job to a person with very poor customer services skills, arrogant and disrespectful. It 's like they did n't want me to open an account or do business there based on my appearance and my economy. I do n't make millions. Neither the bank worker or the manager apologized for that horrible experience. This an act of discrimination in plain view light in the 21st century. It seems this has happened before, otherwise, they would n't do it. Of course they will deny everything, but these actions of ignorance need to stop now.