davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-23
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. (GA)

There are accounts listed on my credit file that are fraudulent ... .see list below : XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Dear Sir or Madam : 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. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX # XXXX {$6400.00} XXXX XXXX XXXX XXXX # XXXX {$1200.00} XXXX/XXXX XXXX XXXX # XXXX {$1700.00} XXXX/XXXX XXXX XXXX # XXXX {$3000.00} U S DEPT OF ED/XXXX/XXXX  # XXXX {$1800.00} U S DEPT OF ED/XXXX/XXXX  # XXXX {$3200.00} XXXX XXXX XXXX # XXXX {$460.00} XXXX XXXX XXXX # XXXX {$810.00} XXXX XXXX XXXX # XXXX {$250.00} XXXX XXXX XXXX # XXXX {$550.00} Inquiries : XXXX  XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX Transunion Fraud Victim Assistance Department XXXX   XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : 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. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX # XXXX {$6400.00} CAPITAL ONE AUTO FINANCE # XXXX {$1200.00} XXXX/XXXX XXXX XXXX # XXXX {$1700.00} XXXX/XXXX XXXX XXXX # XXXX {$3000.00} U S DEPT OF ED/XXXX/XXXX  # XXXX {$1800.00} U S DEPT OF ED/XXXX/XXXX  # XXXX {$3200.00} XXXX XXXX # XXXX {$460.00} XXXX XXXX XXXX DBA XXXX  # XXXX {$810.00} XXXX XXXX XXXX XXXX XXXX XXXX # XXXX {$250.00} XXXX XXXX XXXX   # XXXX {$550.00} Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX, GA XXXX Dear Sir or Madam : 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. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX # XXXX {$6400.00} XXXX XXXX XXXX XXXX  # XXXX {$1200.00} XXXX/XXXX XXXX XXXX # XXXX {$1700.00} XXXX/XXXX XXXX XXXX # XXXX {$3000.00} U S DEPT OF ED/XXXX # XXXX {$1800.00} U S DEPT OF EDXXXX # XXXX {$3200.00} XXXX # XXXX {$460.00} XXXX XXXX DBA XXXX  # XXXX {$810.00} XXXX XXXX XXXX # XXXX-XXXXXXXXXXXX {$250.00} XXXX XXXX  # XXXX {$550.00} Inquiries : XXXX/XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Last week on Thursday or Friday ( XX/XX/XXXX or XXXX ) I tried to log in to my Transunion account, but the web page showed that they were having problems. 

Today I tried again, and still could not log in. 

So I phoned Transunion at XXXX and spoke with XXXX XXXX ' who said that she would reset my password. She confirmed my login ID, then sent me a temporary password, which didn't work. Then she said that she would send me another temporary password, but I had to wait 10 minutes to use it. She would not wait on the line for ten minutes until I entered the password to confirm that it worked. 

I waited 10 minutes to log in, then input the password. I did not copy and paste it - I input it character by character, using capitals. It still did not work.
Consumer complaint received 2023-03-06
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. (MO)

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX On XX/XX/XXXX XXXX account was identified as fraudulently open and closed with a {$0.00} balance reported. 6 months later XX/XX/XXXX the balance on the account increased from {$0.00} to {$320.00}.
Consumer complaint received 2023-03-03
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

So my father passed away XXXX, there was TOD on the property, I did everything fifth third bank asked of me, documents etc. Covid hit lost atty, courts closed etc, begining of 2022 foreclosure started again, contact the bank started process over, XXXX 5/3 XXXX XXXXXX/XX/XXXX I got approved through XXXX XXXX should be receiving paperwork to finish assuming the loan, still haven't recieved paperwork, bank will not talk to me now, house is on sheriff sale currently and bank was supposed to stop sale it didn't happen bank will not call me back.they are even refusing to talk to my third party that they have authorization to talk to. Pls help me before its to late.
Consumer complaint received 2021-03-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (OH)

Lost work during pandemic. Had to wait til I could qualify for pension. So I had no money. I did the foreberance without being notified that I would no longer qualify for a loan modification. I cant pay {$9000.00} to bring up to date nor can I afford {$1500.00} a month to pay current and past due. 

I should be allowed another modification due to the pandemic. Or allowed to put those foreberance payments to the end of the loan. Or allowed 24 months to repay past due.
Consumer complaint received 2020-12-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (NC)

In the early days of the COVID Pandemic I like millions of Americans filed for a mortgage forbearance. After 4 months of this I begin paying again. Since my loan is an FHA Loan I agreed to a partial claim to pay the missing payments at the end of the current mortgage. We reached that agreement 6 months ago. 

Long story short I cant refinance to get better loan terms until US Bank processes the paperwork for my claim. They know this. They know that Mortgage rates are at historic lows. They are systematically and intentionally dragging their feet about processing the paperwork to keep their customers trapped in loan terms that are advantageous for them but bad for their customers. 

I have given them every piece of paperwork they have asked for immediately. There is no excuse for it to take 6 months to process the claim. They haven't even sent me the papers to sign. I have spoken to them dozens of times and they wont even give me an estimate on how long it will take. 

This is simple financial greed at work. I have no doubt US Bank is doing this intentionally.
Consumer complaint received 2020-04-11
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: DISCOVER BANK (VA)

I went to XXXX XXXX  onXX/XX/XXXXand received the wrong product. The quality of the goods was not as expected, because I ordered a ribeye steak, but XXXX  gave me a ny strip steak. Discover has asked for this information, and I provided it to them, however, Discover makes it almost impossible to dispute a transaction. They have also done this with previous transactions, where product or service I ordered was not as stated by the merchant, but Discover refused to resolve and always resolved it in merchants favor.
Consumer complaint received 2022-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NY)

I applied for a Barclays Jet Blue Plus Credit Card based on an inflight offer on XX/XX/2022. The offer was that the 1st year annual fee was waived by using a promo code given on the flight. I was subsequently approved for the card and started using it. The first statement I received had the annual fee of $ XXXX on it. I called on XX/XX/XXXX to dispute the fee. I then called on XX/XX/XXXX and a manager said they would credit the fee. That never happened so I called again on XX/XX/XXXX and was told to email a copy of the offer I was given showing the annual fee waiver. I did that per the attached email. I then followed up on XX/XX/XXXX to check on the status per the attached email thread. I asked that the disputed charge be put on hold pending the outcome of the dispute, but they said I'm responsible to pay it until that time. I should not have to pay a fee that's under dispute pending the resolution of the case. 
This is unfair to consumers as they are not providing what they are advertising.
Consumer complaint received 2021-08-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: JPMORGAN CHASE & CO. (IN)

I purchased a used vehicle from XXXX County truck sales and when trying to register the vehicle the state of Indiana stated I needed a one in the same affidavit from the bank. This form is needed because the original lien for the title was held with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, however in XX/XX/XXXX they merged with bank one who later merged with JP Morgan chase in XXXX. The lien was originally released in XX/XX/XXXX and was released by Bank One a division of JP Morgan Chase. I originally met with a chase rep on XX/XX/XXXX who called the auto loan department to assist as the rep in the bank was clueless to what I was requesting. The auto loan department assured me they were aware of the form and it would be mailed out within 3 business days. On Monday XX/XX/XXXX I called the auto loan department to ensure my letter was being mailed out and was informed that it was not, however out rep assured that it would be mailed out because no one inside a branch office could fill the form out for me. On Tuesday XX/XX/XXXX I called the auto loan department to ensure that there was trail created on my behalf about the one in the same form that I requested and was informed by this rep XXXX that the letter was mailed that day. On Thursday XXXX XXXX I did a follow call to the loan and department and spoke with XXXX who stated that the form was not mailed out only a lien release which I then stated that is not what I requested and asked to speak with a manger and I was informed by XXXX there was no manager available and since I wasnt an actual customer he would ensure that the one in the same form is mailed to me. I called into the branch in XXXX, Il to speak with s manager and get done help only to be told by the rep on the phone that I should call that loan department back and tell the I need to speak with a manager because the bank forest handle issues with that department. I called back into the loan department and requested a manager and XXXX came to the line I explained to her what was going on and with no apology I was informed by XXXX that she would mail the form out. I called the lien department Saturday a XX/XX/XXXX and was informed by XXXX that there was no one in the same form mailed behalf and he would ensure that one is mailed out on my behalf Monday XXXX XXXX. I requested to speak with a manager and was informed by XXXX that theres no manager available and he asked for my phone number so that someone could return my call.
Consumer complaint received 2020-10-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

FedLoan has incorrectly held my XXXX payment as " ineligible '' towards my Public Sector Loan Forgiveness payments. It alleges my payment was made outside of the 15 day window of when it was due,  however, my payments are always due on the XXXX of the month and my payment was made on the XXXX of XX/XX/2019. Therefore, my payment was made within the 15 day window. I would like this corrected immediately.

I have attached screenshots, the payment history, and the XXXX billing statement to show the due date of the XXXX.
Consumer complaint received 2021-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OK)

Equifax sold my information. I didnt even get a notice that my information was compromised. I had to find out on my own. Then they charged me for credit report and i subscribed to what i thought was credit monitoring. That account has been compromised. XXXX opened account using my info that is connected to two XXXX numbers and each number has two additional accounts associated with each number. Then they didn't protect my personal info at all then selling it on the dark web. Then tp top it off metro by XXXX XXXX swapped me and took over my sell phone getting phishing message all from XXXX customer care. My email is hacked XXXX messenger its outta control. Who ever stole my identity is monitoring my credit and making dispute so i won't find out. Its my credit and i wan na be able to access and use it. They also are trying t get settlement money also. Help me
Consumer complaint received 2023-03-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (WY)

On XX/XX/XXXX and XXXX, I found out that I have 2 cards that can't be used and can't check the balance. I called the customer and asked what was wrong with my card. They told me that they locked my card and will Replace a new card for me, I called them on XX/XX/XXXX, and told me that I will receive new cards on XX/XX/XXXX and XXXX, respectively, a {$500.00} card ending in XXXX, and {$300.00} card that ends in XXXX, but I didn't receive it until today, I found out that they sent the card to a wrong address, XXXX XXXX XXXX XXXX XXXX, there is a small error in this address, the correct one is XXXX XXXX XXXX XXXX XXXX, I asked to resend me to the correct address, or change the two replacement cards to the correct address, but they refused me, gave me the case number and kept me waiting, I have been waiting for half a month Didn't receive my card, and asked me to continue to wait, and asked me to upload my privacy documents, the gift card is originally an anonymous shopping card, even though I uploaded my purchase receipt, I didn't get a reply from them as soon as possible, I'm so helpless, I don't want to lose XXXX dollars, this is my family 's money to buy food, I've waited too long, please help case number is XXXX and XXXX yesterday I call back and told me I will received the new card this week, but They cheat me Again and today another person told me to wait and send my ducument. I sent so many times. 
one card I have receipt and another one I haven't receipt because it is gift my friend sent to me
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (AL)

My credit score not going up like supposed to be like they cheating me refusing to up my credit score due paid installment loans in good standard conditions that not right an still getting denied credit card an my credit in good standard wrong an unlawful how credit bureaus company doing people with they credit report fraudulent companies what the point having good credit an can't use because credit report agency failed to up your credit like XXXX haven't not updated my credit score in 3 months still XXXX XXXX XXXX Experian refusing to up my score illegally fraudulent activity happened with these companies fail to Left my score an false information with credit card telling me to apply an turn me down make hard inquiry on my credit report fraudulent activity this evidence Force me to apply for credit card an get turn down false information turn me down make be as hard inquiry false advertising false information an reporting me deceased illegally lied about that wrong an illegal report someone deceased
Consumer complaint received 2023-03-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: ROBINHOOD MARKETS INC. (MD)

I made a complaint against Robinhood earlier regarding the unethical business refusing to provide me with tax documents that I need in order to file tax returns with. Robinhood has locked me out of my account and in doing so refused me access to the documents that I need to file my taxes with. In doing so, I am not able to file taxes honestly with the IRS because Robinhood is maliciously withholding my important tax information from me.
Consumer complaint received 2023-03-05
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: Nationwide Recovery Systems, Ltd (MI)

These companies unlawfully reported accounts ( XXXX XXXX, NATIONWIDE RECOVERY SYSTEMS XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX ) on my consumers reports for an alleged debt in which they have not produced an agreement and/or contract binding me to such allegations of these debts with them. Not only have they placed the accounts on my reports but, they've also reported negative transaction history as if I actually have a contract with them. This is fraud as, I do not hold an account under any contract with these companies. They have violated my rights protected by law under the Fair Credit Reporting Act ; 15 US Code 1681a, 15 US Code 1692, 28 US Code 1746. I am aware of my rights under 15 US Code 1681N and 15 US Code 1692k. I am demanding the abatement of these accounts and its entirety for all three consumer reporting agencies.
Consumer complaint received 2023-03-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

I have disputed inquiries that were not made by me to XXXX and those were, XXXX XXXX and XXXX XXXXXXXX XXXX XXXX. I have disputed inquiries that were not made by me to XXXX and that one was, XXXX XXXX auto finance and nothing was deleted or investigated. 

I have settled credit card accounts that were agreed with deletion of accounts once payment was made and the creditors have not fulfilled their agreement. 
XXXX XXXX  XXXX XXXX accounts with XXXX and one account with XXXX and Equifax XXXX XXXXXXXX XXXX XXXX  account with XXXX XXXX XXXX account with XXXX
Consumer complaint received 2023-03-05
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. (GA)

Ive got a copy of my credit report and these addresses below, are inaccurate. Ive tried to get these addresses updated or removed from my report for months, but it seems like that, theres no way I could get that done ; due to the fact that, agents wouldnt take my word for it. Id like these addresses to be removed immediately, I have the right to privacy and accurate report. 

Once you have deleted inaccurate addresses from my report, please send me a copy of my updated report. 

I am filling this consumer complaint and consumer check for compliance of these particular items that are reporting under FACTA Title 1 sec. 151. I have enclosed copies of my state ID and a bill to validate my identity. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2023-03-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I need you to contact the major bureaus to demand that they erase my records completely so I can start over as unscrupulous people have been harassing me non-stop and are still doing so. I am a doctor and I need to return to my functions and I am being the victim of violations of my rights by local authorities causing me financial losses for which I have not been able to adequately defend myself and they are depriving me of all my privileges and properties I need your help please.
Consumer complaint received 2023-03-03
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. (IL)

In accordance with fair credit reporting act convergent account XXXX 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 2682 section 604 A section 2 : it also states consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-06-23
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. (NC)

I have fraudulent accounts on my credit profile that does not belong to me when I looked at my credit they are fraudulent accounts I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.