davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-19
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. (NM)

On XX/XX/2020, I tried to get pre-approved loan for a property and that is when I found out there had been fraudulent activities. I was in disbelief when I found out I knew the perpetrator. It is my own mother that had used my information against me. We are not in contact and our relationship had been damaged. She is recently harassing, defaming and stalking me. XX/XX/2020 she used my information to track down my doctor and former adviser from school to get more information about me. We reside in two different state. She found my former address where my close friends still lives and surveyed the area and called the cops on that address to do welfare check. She wanted to confirm I still reside there. She has my number but did not call or text me that she is in town. These incidence has caused me to have severe anxiety, nervous and I am always in fear of what she is doing and what she wants. I am afraid for my life and I need HELP.
Consumer complaint received 2022-03-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (AR)

My husband and I obtained a FHA loan and purchased a home in XXXX XXXX XX/XX/2019. He told me to get out 4 days after closing. He moved his girlfriend in the home and tore the home up then moved to a more expensive owner finance home and put our home on Forbearance XXXX XXXX, under the CAREs Act, without my consent or knowledge through Mr Cooper. We had agreed to sell the home but he took it off the market when he received forbearance. Mr Cooper continued to extend the forbearance in spite of me asking them not too. We now owe {$16000.00} on top of the original loan. The husband and his girlfriend who has portrayed herself as me with Mr Cooper, and authorized herself to make decisions regarding this loan, requested a loan modification without my consent. I refuse to sign those papers because the forbearance was given without my consent and has now put us further in debt and facing foreclosure. I feel my husband did this to harm my good credit rating and make it impossible to borrow any money because I owe for this house. They want to keep the house but refuse to refinance in His name and pay me as agreed in XXXX. Mr Cooper explained to me they have told my husband that if he will get me to Quitclaim my interest in the home to him, that they can go around me and only require his signature to modify the loan, but I will still be held on the note as co borrower. So they are trying to force me into agreeing to owe more money than the original loan because of the forbearance they gave to him, claiming hardship, which isnt the case. He pays double fir his new home and was able to get out of payments on our home. My good credit is now suffering for a home I was never allowed to live in once he got me to sign the original note because his credit is bad. I am XXXX, have had to rent a place to live in XXXX he makes {$100000.00} per year and wasnt actually having a financial hardship, it was only to afford a more expensive loan. Ive asked Mr Cooper to look into the deceptive request for forbearance snd they determined he lived in the home, however, his mailing address on their contact info, has been to the new home he owns now. I believe he rented our home out while it was in Forbearance in order to pay for his new home. The loan is in the names XXXX XXXX and XXXX XXXX. I am XXXX.
Consumer complaint received 2017-08-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (PA)

In XX/XX/XXXX I borrowed {$700.00} from target cash or target finance is what it says on my bank statements. I got the loan over the internet. For a loan of {$700.00} starting on XX/XX/XXXX they 've taken XXXX at the beginning of the month in which I 've paid {$890.00} at an interest rate of 742.63 % I 've paid them beyond what I borrowed and may owe a little more but they are expecting a total payment of {$1900.00} in total by the time I 'm done which wasnt expected and I ca n't afford.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (GA)

As someone who has used XXXX XXXX, my data is at risk in the recent Equifax security breach. 

I checked their website and confirmed that my data had been potentially compromised. 

I consider this a massive breach of trust that is totally unacceptable for such a large organization with such great responsibility for personal data. 

I am making this report to indicate my rage and dissatisfaction with Equifax 's broken promise to protect the data of thousands of consumers, including myself.
Consumer complaint received 2018-05-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: ATLANTIC UNION BANKSHARES CORPORATION (VA)

I have been a customer of Xenith Bank which is merging with Union Bank and Trust. 
I use online banking to pay my mortgage and other bills. 

During the change from Xenith to Union, the dates on my auto payments were changed without my consent. They acknowledge that my mortgage payment of {$1200.00} was supposed to be made on XX/XX/XXXX. Instead, they made the payment on XX/XX/XXXX without my consent. This is before my pension on XX/XX/XXXX will be deposited. 

This payment has caused my account to go in the negative by {$720.00}. They have apologized but since the money has been sent out, they will not redeposit it. When my pension is deposited that negative will be covered. But until then, I have no money for living expenses. They refuse to help with that and will not redeposit the amount inappropriate taken out.

I contacted them on XX/XX/XXXX about this and was assured the money would remain in the account and to " relax, have a good weekend, and don't worry about this because the money will remain in your account. '' Today, XX/XX/XXXX, I found that was not the case and the money was taken out, again without my consent. I have no money to live on for the remainder of the month which is creating problems for me.
Consumer complaint received 2024-02-15
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. (MO)

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is XXXX ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I must contact my attorney and pursue legal action. 

Heres the list of the questionable items : XXXX XXXX XXXX - Account XXXX I don't recall having late payments on this account XXXX XXXX XXXX  - Account XXXX Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the XXXX characters of the XXXX statement, and all of its trailing fragments, and any other necessary aspect of factual reporting XXXX - Account XXXX Please remove it from my public record XXXX - Account XXXX Please supply information on how you have verified this item. 
XXXX XXXX XXXX - Account XXXX This is not mine.
Consumer complaint received 2021-02-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Toyota is in process in placing me in collection and repo my XXXX XXXX XXXX that I purchased on XXXX XXXX at XXXX, California XXXX Dealership. 
Toyota Finance Services knows very well that I am XXXX XXXX  and Retired and on a fixed XXXX Retirement Pension in which my XXXX Income is protected under Federal Government Laws. 
Document Courts of California State and Federal XXXX document was provide it to Toyota Financial Services via emails. 
I am unable to refinance my Auto loan with another financial institutions because my credit has derogatory remarks and credit scores are very low with XXXX  and XXXX, there is charged collections on my credit reports and Bankruptcy Chapter XXXX on my XXXX  and XXXX  credit report. 
I am not able to pay {$480.00} a month. I am able to start paying {$300.00} to {$350.00} on XX/XX/XXXX as my financial Hardship has been devastated my family and Finances during Covid19 Pandemic issues. 

Also on XXXX XXXX XXXX XXXX pulled my credit without my written Consent and Authorization for Extensions of Payment in which on XX/XX/XXXX, no pull credit was conducted and Extensions of payments was implemented without pulling my credit with XXXX, XXXX  and XXXX. 
XXXX XXXX has violated my Federal Privacy Act by seeking my private information and to destroy my credit. 
Why did XXXX  and other credit reporting agencies allow XXXX XXXX to pull my credit without authorization. 
XXXX XXXX used my written authorization of credit pull for XXXX with the old credit pulled on credit purchase of XXXX XXXX and sent it to XXXX , XXXX  and XXXX  so they can have access to my credit file for XXXX. 

XXXX XXXX is Retaliating and Discriminating against me because my Federal Government file complaints against them. 
They are also Discriminating and Retaliating against me because of my National Origin as XXXX American XXXX and XXXX Status in which this is a Violations of my XXXX XXXX Civil Rights Act under Department of Justice. 
I have alerted US Senator XXXX XXXX on issues of XXXX XXXX and will be sending a letter to President Joe Biden and US Vice President XXXX XXXX and Members of Senate and Congress on Retaliation and Discrimination and Retaliations against XXXX  Military Veterans in California and America.
Consumer complaint received 2022-03-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Paypal closed my account for no reason and i try calling Paypal many time but they are not picking up, I received XXXX EUR from a friend and the funds is on hold, So i chatted Paypal up on there message center, they limited my account telling me that the funds will be on hold for 180 days, and i can't wait long. Please help me so that Paypal will release my funds. 

My Paypal email XXXX My Transaction ID : XXXX Sender Transaction ID : XXXX
Consumer complaint received 2021-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (AL)

( 1 ) XX/XX/2020 {$410000.00} Charged, My local store ( 2 ) XX/XX/2020 {$4300.00} Charged, another city, same state, same box store ( 3 ) XX/XX/2020 {$4500.00} Charged, another state, same box store ( 4 ) XX/XX/2020 {$5100.00} XXXXharged, same state as ( 3 ), same box store ( 5 ) XX/XX/2020 {$3000.00} Charged, same state as ( 3 ), ( 4 ) different city, same box store Could not identify any of the above charges. I went by the store and was told i had to take this issue up with the Credit card host. 
After I received the the regular invoice and noticed the scam called and went through 2 levels of agents and was told they had tried to call me about the charges. The agent confirmed my card had been hacked and my phone # had been changed, address changed and my code question changed. My call was the first call to alert them of the discrepancy. The agent even said there had been a phone in payment for {$16000.00} on XX/XX/2020. The payment had been canceled due to lack of funds? I canceled the original card and was sent a new card. I received invoices for both cards for several months and I continued calls and was told this is typical. It was confusing Received papers to identify ( 4 ) and ( 5 ), but those were the only 2 of 5 charges. Multiple calls later and every time having to reexplain and go through the history, listen to promises and vows of intense investigation I received some credits but I'm not satisfied with the explanation and I'm still being billed for the other charges, accumulated interest and some penalties. 
Always another call and a new agent and more confusion. They have sent all of last years invoices and i have reviewed them and still have questions on cash credits and purchase identification on these 5 charges. What did they find out that confirmed partial credits? 
I have been identifying my monthly charges and making those payments less the penalties and interest listed on the invoices.
Consumer complaint received 2017-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have reached out to Transunion and XXXX several times to make correction to what is reported on my credit history : 1. Transunion is reflecting 5 derogatory accounts on my credit history when there 's only 1. For example it shows my student loans as being delinguent when in fact if you review my payment history you will see that i have always paid on time and paid what is expected. I disputed this several times yet there has been no correction. 

2. XXXX is also showing 3 derogatory listings on my account when there only should be 1. I have disputed this several times as well and still no changes. 

Similarly I reached out to these agencies regarding the hard inquires and the incorrect reflection of these hard inquiries stating that not all of the companies received permission to run a hard inquiry but this information is still reflected on my account. I am not sure what to do at this point with the incorrect information reflected.
Consumer complaint received 2024-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NY)

Consumer Financial Protection Bureau, I am writing to bring light to several grave concerns regarding serious legal and ethical violations by Chime Financial Inc. 

In case XXXX, rebuttal XXXX, Chime has acted in blatant disregard for consumer protection laws, their own contractual terms and conditions, and basic standards of fairness and truthfulness. 

Specifically : - They have exceeded the legally mandated 90 day limit to investigate and resolve consumer disputes, dragging this case out for over 6 months. 

- Chime Robots/Programs tampered with and illegally manipulated critical evidence I provided, and then making certain the tampered document attributed to the merchant 's ( XXXX ) XXXX in order to rule against me. This is a clear breach of contract, act of deception and a direct disqualification to the dispute automatically making me the winner of rebuttal XXXX in XX/XX/XXXX. 

- After admitting in writing that I had won the dispute in XX/XX/XXXX and was owed {$1900.00} in refunds, these funds were never disbursed to me. 

- Chime claimed because they do not own the technology behind the XXXXXXXX  from XXXX XXXX XXXX any selfie images taken from the XXXX is unable to be verified by their robots/programs, therefore, they will reject any evidence such as selfies that showcased the customer 's direct location when both unauthorized transactions took place. On XX/XX/XXXX, Chime closed the dispute and chose the merchant as the winner because Chime couldn't verify selfie images from my XXXX, using this as justification to once again rule against me, despite having already stated I won the dispute. 

- A Chime Manager, XXXX XXXX, has been implicated in overseeing many of these ethically bankrupt practices, focused on denying my legitimate dispute at all costs, causing me emotional and financial distress. XXXX XXXX, denied more than five of my dispute rebuttal and rather than finding a solution to my issues by responding politely to my emails, phone calls, she had her colleague ignore my issues and threatened me with police involvement when I inquired about the delayed resolution and missing XX/XX/XXXX credit. 

Chime 's actions represent outrageous violations of consumer legal protections, contractual obligations, and any basic sense of fairness or honesty. I have suffered great emotional and financial distress due to their unethical practices. I urgently ask the CFPB to launch an investigation into Chime and hold them fully accountable for these inexcusable actions. The {$1900.00} I am rightfully owed must be refunded to my checking account immediately by Chime. 

Please protect consumers and uphold justice. Please help me fight against this company cruel tactics and ensure they can not continue taking advantage of others. I desperately need your help as I am out of options myself.
Consumer complaint received 2022-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't 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 n 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 us 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 im XXXX now.with no help
Consumer complaint received 2017-09-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc. (AZ)

fter reviewing my credit report, I seen a medical account listed. I disputed it with the credit bureaus and the company it 's self. The credit bureaus advised they have been verified. So I requested a debt validation in the form of an original bill and detailed statement of procedures, for the medical account with Progressive Management Systems. I never received a response back. So after 34 days I called and was told they have the validation to collect on this medical debt, they received the details of my medical bill from there client. I informed them, they directly violated the regulations of the HIPAA Act of 1996, because I never signed a HIPAA form to authorize them to have access to the information. I requested to speak with a supervisor and was told I would get a call back in a few hours and never did.
Consumer complaint received 2022-09-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANNER CORPORATION (OR)

Banner Bank is threatening foreclosure. I've written their attorney reminding him that I'm a XXXX  being... NOT A PERSON. MY NAME IS MISSPELLED ... NOT IN ALL CAPS. I NO LONGER ABIDE BY DE FACTO LAW ... ONLY DE JURE LAWFULNESS.

ALL BANKS ARE COMMITTING FRAUD USING DOUBLE-ENTENDRE IN THEIR CONTRACTS ... LAW 101 CLEARLY STATES THAT IF THERE ISN'T A MEETING OF THE MINDS THEN THE CONTRACT IS NULL AND VOID. 
ALSO, XXXX HAS BEEN PASSED. ALL DEBTS ARE NOW FORGIVEN. 
ALSO, ALL DEBTS ARE FORGIVEN DURING WARTIME. 
I AM NOT A PERSON... I AM A XXXX  BEING... NOT A CITIZEN OF THE CORPORATE UNITED STATES. 

" MORTGAGE '' MEANS, " DEATH PLEDGE. '' NO BEING IS ALLOWED TO MAKE A DEATH PLEDGE.. 
NOT LAWFUL.
Consumer complaint received 2021-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (NY)

I've been locked out of my online TD BANK Credit card and I can't sign in to make payments. I called on XX/XX/21, XX/XX/21 and XX/XX/21. Each time I called and I got transferred to 3 extensions and no one can help me to gain access to my account. First they tell me I don't have an account. Then I ask to send me a paper statement so I can pay it and close the account and they can't send me a paper statement because I chose paperless statement online so they can't change it. 
I have never been through such craziness and am now desperate for help!
Consumer complaint received 2021-06-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc ()

I am.trying to withdraw amounting of XXXX XXXX and they ask me to add LOCAL BANK ACCOUNT which is I did. They asked me to try after 48 hours and I did wait for more than 48 hours now still they don't allow me to withdraw it. We are on a lockdown/quarantine because of COVID and I badly need the funds.