davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (SC)

On XXXX XXXX 2016 my Discover Credit Card had a fraudulent charge and it was canceled and a new one issued. I received the new Discover credit card on XXXX XXXX and activated it with no problems. However I have not been able to log into by Discover Bank account ever since this date. Discover Customer Service keeps telling me it is a technical issue. It is unbelievable to me that 21 days later I can not log into my Discover on line Bank account due to a Discover Credit Card issue. Discover Bank is an online bank. I need online access to it.
Consumer complaint received 2015-10-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

continued complaint- XXXX Date XX/XX/20151. The Banks continue to disregard of my rights.. 
2. The Banks failure to release insurance proceeds to me, after instructing me to endorse the check to the bank, make the repairs with my money, let them inspect the home, have an affidavit notarized, pay the loan current with my attorney is distressing. 
3. The Banks are not disclosing to me important information necessary to make the payments to the loan and keep the loan current. 
a. P.I.T.Ib. PAYMENT AMOUNTc. LOAN AMOUNTd. LENGTH OF LOAN4. The Banks are violating Dodd Frank Mortgage Servicing rules by not promptly providing successor in interest ( me ) with important information needed to keep the loan current. 
5. The Banks are Violating Respa- by not providing me with an annual statement and impound account statements. I pay the insurance and I am entitled a copy of the annual statement of payments. 
6. The Banks are violating Fair Debt Collection Practices act by not providing notices and communication to ( me ) borrowers. This affects my ability to keep the loan current. 
7. The Banks are violating the Final Mortgage Servicing rules. Error resolution, information requests, general servicing Loss Mitigation policies & procedure requirements are not being disclosed or handled in a timely manner. 
8. The Banks are violating the FTC- Debt collection practice by making false & misleading statements. 
9. The Banks are violating the Early Intervention Rule by not providing information to me. 
10. The Banks continue to cause me unnecessary harm and emotional distress.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (CA)

I had an ongoing dispute with Citibank since XXXX regarding a {$2600.00} charge that they allowed a merchant to complete with an expired old card on file and an incorrect billing address. Citibank had originally credited {$490.00} and refused to give credit for the remaining balance, including {$2300.00} in interest charged and {$370.00} in late fees. They then reversed the {$490.00} credit. I decided to make over {$3000.00} in payments in two months to pay off the debt that I knew I owed, and refused to pay anything further. My disputes went back and forth with them for many months. I even went onto the merchant 's website and entered all my known email addresses to complete a password reset until I was successful and provided evidence that the card they had on file expired in XXXX, they had a very old billing address, and failed at 8 attempts of the charge the first time as they were simply reattempting with a different exp date until they got it right. I was never advised of the failed attempts by Citibank. 

In XX/XX/XXXX, after having completely destroyed my credit, they filed a lawsuit against me for {$5400.00} under my credit card account number XXXX which, is the only account I had with them since XXXX. 

I filed a response in court without a lawyer and advised their attorney of what took place and the attorney claimed they completed another investigation and determined I owed the complete amount. In XX/XX/XXXX, I receive a notice from Citibank that they completed another investigation and determined that I was correct and that they credited my account for {$1600.00} along with {$110.00} in interest which, again was not the complete or accurate amount. The amazing part is that they did not apply this credit to my account number. They created a whole new account number that ends in XXXX with a starting balance of {$5400.00} and applied a credit of {$1600.00} plus the {$110.00}, and showing a balance due of {$3600.00}. 

I now have their attorney 's office contacting me claiming I owe {$5400.00} on my XXXX card and {$3600.00} on a XXXX card that I never owned. The attorney is aware of this yet just requested that the court set a trial date and they have, it is now set for XX/XX/XXXX. 

Citibank is reporting default on {$3600.00} under this fake XXXX non-existing account onto my credit report and destroying my credit all over again. I do not have an attorney and they are destroying me with this. They will not even give me the whole account number when I have called twice to ask for it. All I know is XXXX, as you will see in the attached documents.
Consumer complaint received 2016-04-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: DISCOVER BANK (LA)

Some of my private student loans, originally serviced by XXXX, were sold to Discover Student Loans. Of the XXXX loans serviced by Discover, XXXX have seen a major jump in interest to 10.125 %. The third has remained at a reasonable 4.5 %. I know numerous people with Discover Student Loans and they have interest rates in the 3-5 % range. Since I went back to college and had trouble finding a job afterwards, I have not been able to make anymore than the minimum payment and my balance keeps going up. I am already having trouble making ends meet and Discover decides to raise my interest rates to an unprecedented level. They are taking advantage of my poor financial condition to make the principal balance higher so they generate more income on interest. Numerous people are in my position, trying to make a life for themselves but can not do so because student loan companies are conducting unfair business practices.
Consumer complaint received 2018-01-13
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HYUNDAI CAPITAL AMERICA (FL)

On XX/XX/XXXX I traded in my XX/XX/XXXX XXXX XXXX XXXX at XXXX XXXX XXXX. I paid USXXXX as a down payment .XXXX contacted XXXX XXXX XXXX and got the paid off information and based on that the gave me the new deal. The US XXXX should cover the remaining payments. In XX/XX/XXXX I received a notice dated XX/XX/XXXX trying to collect US XXXX when I called XXXX XXXX XXXX they told me that they have nothing to do with that and if I font pay the will send my account to collections. I explained that I made a deal with a dealership that belong to them and that they should contact the dealership. They did n't care. I called the dealership several times and have not get a response from them yet. 
Today I received a notification that this account is in collections dropping my credit score to XXXX. This is the 4th vehicle I get from this dealership and I have nothing to do with the communication between the dealer and XXXX XXXX XXXX when they call to get payoff information.
Consumer complaint received 2023-01-26
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. (FL)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2023-01-23
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. (MD)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. The disputed items do not belong to me and needed much attention for their erroneous status. 

Here are the Items that needed removing : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-23
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. (IL)

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX  XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$360.00}
Consumer complaint received 2023-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I went to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was explicitly assured multiple times that the information I was giving was to solely be used for a soft pull. Each time I gave information, I asked And this is just for a soft pull, right? to which I was told yes each time, which was at least thrice. I have now been notified by my financial institutions that the dealership has added a hard inquiry to my report.
Consumer complaint received 2023-01-22
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. (PA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy, 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

The above-mentioned account was furnished without my written instructions.
Consumer complaint received 2016-09-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (IL)

I contacted Equifax to inform them that I do not have a middle initial in may name. I was given his fax number XXXX to forward my complaint, which I did on XXXX XXXX, 2016. What followed was a real nightmare, and to this date, the change has not been made., even the credit reports they mailed me dated XXXX XXXX 2016 and XXXX XXXX under dispute confirmation number XXXX still had the same error. 
All in all, there were XXXX case numbers that the next employee will issue without listening to what I had to say, they are : XXXX XXXX XXXX XXXX To this date, no resolution to the case. I grew tired of calling the dispute department because the numbers kept changing, following is the list XXXX XXXX XXXX I have the distinct impression that their goal was to confuse me, not to address my concerns. They have the wrong name, but they insist in keeping it in the meantime I have received XXXX denial for credit based on Equifax 's data. 
Other institutions have granted me credit using XXXX and XXXX who rate my score over XXXX. Equifax has me around XXXX? 
In addition they have listed an office building XXXX XXXX XXXX XXXX, with a suite number as my previous address. This is data mining gone wild!
Consumer complaint received 2023-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-01-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

In the past we had trouble paying mortgage and had remodified the mortgage several times paying fees that made no sense. 

On our last remodification our mortgage was sold to XXXX without notification or communication of any kind and the remodification was in the middle of the process. We struggled for months trying to do figure out what was happening and communicating with our new mortgage holder the process that we were in prior to the sale from Wells Fargo to XXXX. XXXX was minimal at best with Wells Fargo and they over all optics were that they sold it and didnt care about our process or finances. Things have leveled out and were on track with the new mortgage holder ( XXXX ) but the stress was intense at that time. I would love for someone to investigate unexplained/unexpected fees and determine if Wells Fargo XXXX XXXX nefarious in their process. I felt burned and it left a bad impression on their ways of business. Other friends have also picked up on their reputation and their business model and want nothing to do with them. XXXX glad I know longer have a mortgage with them but left feeling defrauded and uncertain about the money I was paying and being charged. 

Thanks for your time XXXX
Consumer complaint received 2016-06-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (MO)

There is a federal tax lien on my credit report that needs to be removed. The lien has been paid and released as you will see in the documentation provided. I have contacted the credit bureau to have this removed and they will not. I have asked for the reporting person or entity that put this on my record and they will not provide me with anything other that the XXXX County Recorder of Deeds office. I have contacted this office to see if they would remove it from my credit report and they informed me that they did not report it to any of the credit bureaus nor do they ever. They only file it as a public record. When I informed the credit bureau of this they insist that they communicate electronically with the reporting entity and they are waiting for a response. I then asked " well if you communicate electronically with the reporting entity, who is the person on the other end that will answer you? '' They said that it was an employee with the XXXX County court system and that they would respond. I asked once again who that was and they refused to provide me with a name. I then did some more investigating and actually talked with the XXXX County Commissioner ( XXXX XXXX phone number XXXX ) and he did some research for me. He states that the Court case number and the docket number provided to me by the credit bureau belongs to XXXX County and that the Federal tax lien does not show up in their records for me. He further stated that neither him nor any department in the XXXX Count Court system reports anything to any of the credit bureaus. I also spoke with the IRS who had the court place the lien on me and they told me that they were not the ones who reported to the credit bureau. Like the court system they say that they never report tax liens to the credit bureaus. I can not get any information from the credit bureaus so that I can contact someone to try and get this removed. With everything else that is on my credit report I have contact information of someone that I can contact to try and resolve the situation and resolve the matter. I do not have that same opportunity with my tax lien as the information being given to me by the credit bureau is false.
Consumer complaint received 2023-01-23
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)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-23
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. (OH)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I had an account with Wells Fargo between XXXX - XXXX I closed it out because I was being charged way too many unauthorized transactions and fees and Wells Fargo was taking money every time I deposited money into my account a total of XXXX dollars in unauthorized transactions and fees
Consumer complaint received 2016-11-11
Product: Payday loan — 
Issue: Can't contact lender — 
Company: EZCORP, INC. (TX)

On XX/XX/XXXX, I received a call from a mediator named XXXX She advised me that EzCorp had been trying to contact me for some time in reference to a loan. I asked her for details but she said I had to send payment first and then I would recieve information. I asked for date of loan. Said all she could tell me was it was from XX/XX/XXXX. I ask for written documents. Was denied. As well as my rights.
Consumer complaint received 2023-01-20
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. (VA)

I called trans union to follow up on my complaint, and talked to a supervisor Named XXXX and I asked her about the certified letter and the process to remedy the issue and she replied they can report the info without any consent from me to finish my report even after I informed her of the laws and hardship it has caused in my life.
Consumer complaint received 2023-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2023-01-20
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. (TN)

Back in XX/XX/2022 XXXX Bank issued a XXXX for accounts XXXX # XXXX and XXXX # XXXX as settlement for XXXX alleged debts. I have submitted that XXXX to the IRS on my XXXX  taxes because these alleged debts are now considered income. I notified your company and requested that you remove these XXXX XXXX  accounts from my credit report as they are now considered income, and by the IRS, and your own company rules, should no longer be on my credit report. Nevertheless at the time of me filing this complaint you have still not removed these accounts and are still reporting them as unsettled debts. Both XXXX and XXXX have removed these accounts from their credit reports, with only your firm continuing to report this matter.
Consumer complaint received 2023-01-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (IL)

I was purchasing a small house. I was going to get a Cashier 's check from my bank but was informed from my realtor and it has to be a wire transfer by law. I was sent wire instructions to my email from Realtor/title company. I went to my bank and sent the wire. I was at my real estate closing and the title company said the money was not there. I called my bank and they said they had sent it. Come to find out the email with the wiring was hacked, and I was sent fraudulent wiring instructions. My bank tried to recall the wire but most of the money was gone. I feel if Wells Fargo would have checked the names on the account and on the wire that information wouldn't have matched up and the fraud would have never occurred. Can you please help me with this situation? 

thanks, XXXX