davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED COMMUNITY BANK (NH)

I don't feel the bank is being as helpful as they could. 

XX/XX/XXXX I made two purchases online ( XXXX ) : XXXX   XXXX XXXX MD XXXX XXXX XXXX XXXX MD XXXX What I got wasn't what I ordered. When I've contacted the seller they never responded. I returned both orders back to them XXXX. It was packaged well. 

It was mailed to : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX The coins were fake. I've already stated what happened. I have pictures. I wish the bank would do more to help. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, GA XXXX By email : XXXX By phone : XXXX-XXXX-XXXX
Consumer complaint received 2020-05-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: REGIONS FINANCIAL CORPORATION (FL)

I opened a personal line of credit with Regions Bank on XX/XX/2014 in the amount of {$1000.00}. I NEVER withdrawn on the line of credit, and their is a negative item reporting to the credit bureau as a missing payment. Per Regions Bank their was a fee of {$35.00} that was taken on my behalf for opening a line of credit that I was not aware of. I reached out to Regions Bank to see if their is anything they can do to remove this from my credit report due to the misunderstanding, but they were unwilling to help. I also disputed this was the credit bureau to remove the negative item to no avail. The language in the loan application was not clear, and I never received any communication because I recently moved during the period that I opened the line of credit where I would have received a statement from the bank notifying me of the charge. Once again I would like to reiterate on no point in time did I withdrawn on the line of credit, and ultimately what happened was Regions Bank took the money out of my checking account with the bank.
Consumer complaint received 2020-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Paypal Holdings, Inc (NY)

I was Issued PayPal cash MasterCard with funds of {$230.00} deposited on XX/XX/XXXX. They gather all kinds of information, and l did link to my XXXX credit card for backup. I purchased petfood items on XX/XX/XXXX for {$160.00} and PayPal reverted to XXXX card (? why did they not take funds from PayPal ). Next few purchases were taken from PayPal balance and the final one was also for petfood with some of the bill charged to XXXX and some funds taken from PayPal. I calculate there is {$25.00} left on PayPal card but they report XXXX balance. I disputed and even appealed my case and of course they just respond - case found not in my favor. Then I accessed an online help rep who told me that I could view a " running log '' of PayPal card balance - nowhere is it found. I am contesting their egregious fees and their lack of transparency- my PayPal activity summary NOWHERE shows any " fees '' and my purchases from PayPal balance add up to {$200.00} NOT {$230.00}. I have received NO Explanation why XXXX card was used for the first purchase and what these XXXX credit card transactions cost me additionally. I can send you their activity summary and schedule of fees. Of course with Covid-19 you can not directly speak with anyone and their complaints menu online does not cover fees as an issue.
Consumer complaint received 2022-08-11
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. (NC)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 US 1681. 
XXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX 's Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX IXXXX XXXX XXXX  Account # XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX 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 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 crime which antedates the report by more than seven years.15 U.S.C . 1681s - ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2020, I contacted chase regarding a refi and cash out of equity. 

I signed the documents and waited for the next steps. ( see attachment EmailstoChaseLoanOfficer ) I continued to plead to Chase to return my {$500.00} because a chase partner antagonized me and with in insinuation disrespected me. additionally, Their appraiser decided to cancel the appointment under 2 hours of when I was expecting him because I refuse to answer questions ahead of time. A week had lapsed and no one from Chase reached out to me. 
I spoke to someone in escalation and they also stated that I would not get the {$500.00} returned. 

Pressing to have money returned I was told to write to the Executive Office and make reference to XXXX. I wrote the letter and opted to fax it instead of mailing it fearing it would get lost in the ongoing Covid19 Pandemic ( and just about everyone is working from home and the wait times are literally hours to speak with someone ). 

However, the fax number given by a Chase representative XXXX was not a fax number and as a result my letter to Chase was not sent. I just could not deal with the frustration. I am an essential worker and have to report to work daily, not working from home - everything I had experience up tp this point was just too much and it continues to be too much. Before all the unrest across the world, I made it known to Chase of the disrespect that minority neighborhoods continue to experience but we continue to be lost in unfair practices. 

attached is my initial correspondence explaining to Mr. XXXX what transpired between myself and the no show appraiser.
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

DELETE ENTRY UNLESS ACCOUNT CAN BE VERIFIED THROUGH AN APPROPRIATE SOURCE ( COURT ). PER FCRA ENTRIES SUCH AS BANKRUPTCIES CAN NOT BE VERIFIED VIA THIRD PARTIES SUCH AS PACER. 

IN ADDITION THE 3 BUREAUS INFORMATION IN REGARDS TO THIS ONE ACCOUNT IN INCONSISTENT IN MANY WAYS.
Consumer complaint received 2020-09-18
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)

I have disputed these fraudulent accounts with the credit bureaus and have provided filed police reports to show evidence of fraud, but the bureaus keep verifying the accounts. 

I demand a proper investigation to the supporting evidence and demand an immediate deletion. 

TransUnion has exceeded 45 days in providing a dispute response.
Consumer complaint received 2018-04-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (CA)

My home is in the disaster area and I was affected by the recent fires in CA. As a result of the disaster and evacuations, my income was affected, which directly affected my plan to reinstate my mortgage. Today I contacted Seterus & applied for a Disaster Forbearance, as well as requested a new reinstatement amount. I accepted the Disaster Forbearance after the representative reviewed it with me. The request was approved by a supervisor. I am waiting to hear back from Seterus regarding the further details of the forbearance and reinstatement amount. Since, there was recently a sale date set within the next 10 days, I would like to be sure that Seterus and the Foreclosure attorney is aware of my Forbearance request.
Consumer complaint received 2020-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NJ)

On XX/XX/2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I tried to fix this problem with XXXX XXXX XXXX XXXX Experian and XXXX I disputed this for paid in full or off of my credit report for fraud XXXX XXXX XXXX agreed to all the credit bureaus that the information was correct about me being a cosigner and on credit acceptance buyer declaration the terms and agreements were suppose to be on point but it's not the reason why saying this is if I told you I was the cosigner and all the three credit bureaus said it's correct about me being the cosigner why is my signature under the buyer and not under cosigner that seems fraudulent to me and needs to be on my account as paid or remove it off for fraud
Consumer complaint received 2021-11-03
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. (OH)

My FTC Identity Theft Report is attached because I, XXXX XXXX XXXX, was a victim of identity theft. I have given my complete approval to this notification and its implementation. My identity theft affidavit was also mailed to all relevant credit reporting agencies. I have never provided my written consent or endorsed anything, identity theft happens, and I have a right to privacy XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (UT)

XXXX XXXX is reporting fraudulent accounts on my XXXX XXXX consumer report, I have disputed all the inquiries and the fraudulent checking accounts that they have in my good name, but XXXX XXXX XXXX  has not responded.
Consumer complaint received 2021-07-18
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. (VA)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2020-09-18
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. (MA)

Hi, I'm not sure what's going on but I was told that this charge off account from XXXX XXXX XXXX XXXX through XXXX ending XXXX would be removed from my credit. I'm not sure why you keep saying that you already investigated this account as accurate and remains, because it continues to report incomplete, inconsistent, wrong balance, and it's completely unverifiable. I paid off this account almost 30-45 days ago and my credit report shows 3 different balances, inconsistent payment, etc. This is not correct and I want this account DELETED from my credit as promised and due to violations of reporting. Again, as shown in the attachments, the account has been paid 60 days ago. What's the hold-up? I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation. I appreciate your help regarding this and look forward to immediate deletions.
Consumer complaint received 2023-02-23
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: FinCo Services Inc DBA Current (DC)

The bank under choice financial group Current bank has committed fraud against me. The reason owning to despite sending numerous documents including sending me an email of approval from submitting my check. They decided time and time again to not only to lie and decisive me but cheat me out of my check. I have correspondence from agents including chat history of how cruel and vicious they are and unsympathetic. This has happened once before with another check too. Despite that being resolved Current bank did it yet again. They are by far the worst bank in history. They think that because youre at there mercy that they can treat poorly and nothing will happen. On numerous occasions they were late with contacting me about my complaints against there staff and company in general. The agents will do just about anything to avoid you talking to a supervisor including lie about there job description and lie about an available supervisor. Do not go to Current bank under XXXX XXXX XXXX. They are the most un professional and inadequate bank that Ive been apart of.
Consumer complaint received 2020-09-18
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. (MA)

Hi, I'm not sure what's going on but I was told that this charge off account from XXXX XXXX XXXX XXXX through XXXX ending XXXX would be removed from my credit. I'm not sure why you keep saying that you already investigated this account as accurate and remains, because it continues to report incomplete, inconsistent, wrong balance, and it's completely unverifiable. I paid off this account almost 30-45 days ago and my credit report shows 3 different balances, inconsistent payment, etc. This is not correct and I want this account DELETED from my credit as promised and due to violations of reporting. Again, as shown in the attachments, the account has been paid 60 days ago.  What's the hold-up? I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation. I appreciate your help regarding this and look forward to immediate deletions.
Consumer complaint received 2023-02-22
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC. (KS)

I have never taken out a payday loan, nor co-signed one. I got a letter from XXXX, XXXX XXXX XXXX, about a supposed debt from CashNet, dated XX/XX/2023. It says my balance is {$2300.00}, but I can pay it off for {$580.00}. 

A simple XXXX search indicates this is a common scam.
Consumer complaint received 2020-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Hi, I'm not sure what's going on but I was told that this charge off account from XXXX XXXX Visa Card through XXXX ending XXXX would be removed from my credit. I'm not sure why you keep saying that you already investigated this account as accurate and remains, because it continues to report incomplete, inconsistent, wrong balance, and it's completely unverifiable. I paid off this account almost 30-45 days ago and my credit report shows 3 different balances, inconsistent payment, etc. This is not correct and I want this account DELETED from my credit as promised and due to violations of reporting. Again, as shown in the attachments, the account has been paid 60 days ago. What's the hold-up? I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation. I appreciate your help regarding this and look forward to immediate deletions.
Consumer complaint received 2020-09-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Colony Brands, Inc. (MD)

colonybrands or Swiss Colony Subsidary coXXXX Montgomery Wards I have been charged late fees on payments that were made to the merchant 4 time between XX/XX/2020.XX/XX/2020. 

the merchant and the financial institution were experience errors errors that was causing the payment to decline, However, the merchant was issuing payment confirmations/validating funds. However the error that was being given was an issue for the Merchant and the bank to resolve ( XXXX XXXX  ) After I realized that the payment had not gone through I reissued the payment, after the second failure I contacted the merchant, only to get bounced around for days, I reissued it again and finally, I was given information that led me to understand the error, I have asked the merchant 4 times to contact the bank and requested a refund of the fee. only to be ignored. I have requested a letter detailing the problem, only to be ignored. the error given was XXXX '' However the both addresses are Identical. This is merchant and bank matter. I need THEM to resolve there system issues and clear my account
Consumer complaint received 2020-09-18
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: TD BANK US HOLDING COMPANY (MA)

GOOD AFTERNOON/ HAPPY FRIDAY! - I was shocked when I reviewed my credit report again during COVID-19 and found late payment on XXXX AND XX/XX/2018, plus your reporting wrong balance as current, where i was told that it would be deferred and put in the back of the loan : I am not sure how this happened, but i also checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. Also, this account continues to report incomplete information, such as wrong balance, different late remarks on different bureaus, not the same month, inconsistent payment history, etc. This can not be accurate and I really don't want to waste any time going back and forth. This account is unverifiable and wants it deleted from my credit report.
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2021-04-26
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: CITIBANK, N.A. (GA)

On XXXX I sent information for Citibank to follow up on regarding a dispute. The person handling my dispute, XXXX XXXX, never called the mechanic listed. If she had she would have learned that the charge I was disputing was valid. I spent months sending her more documentation only to discover after she has given the merchant several chances after deadlines arrived and has now resolved the case in their favor that she never followed through on the very first vital contact.
Consumer complaint received 2023-03-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (MS)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to the file this dispute. I also constitutes a FEDERAL CRIMINAL VIOLATION punishable as perjury under 18 U.S.C 1001. Additionally, these misstatement are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.