davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-24
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: DISCOVER BANK (AZ)

I graduated from XXXX in XX/XX/XXXX. I did not find meaningful employment right away for not passing the XXXX. I became unemployed in XX/XX/XXXX due to the financial crisis but found employment again in XX/XX/XXXX. In XX/XX/XXXX, because of excessive debt, I filed for Bankruptcy protection ( Ch. XXXX ) and one of my student loans was discharged ( because it did not have a separate guarantor ). In XX/XX/XXXX, I took and passed a XXXX though my income is not what most graduates 13 years removed from XXXX make. I have been attempting to pay my private student loans ( Discover Financial ) monthly and since graduating XXXX, have had my federal student loans on deferment ( continuing to accrue interest ). My XXXX accounts with them ( now totaling {$25000.00} down from {$40000.00} ) where I have paid substantially more interest than principal since graduating more than a decade ago, are now hovering between 120 and 150 days past due. I have repeatedly asked Discover to help me modify the notes and restructure payments so that I can begin paying my federal loans too where the balance is almost {$89000.00}. 
Discover Financial continues to deny that request when I call every two weeks and seem more interested in letting my loans go into full default so that they can make a claim on the insurance policies they have for these XXXX loans. Such a default will make Discover ( or XXXX the original lender ) whole though it will undeniably subject me to harassing collection calls ( anticipated to be XXXX XXXX XXXX ) and litigation, with a judgment inevitably entered against me or my elderly parents ( guarantors ) who have no steady income or ability to repay as they ride our retirement. 
I am begging for assistance from the insurance company XXXX XXXX ( operating as XXXX XXXX XXXX ) though I am not getting any cooperation from them either. Any assistance you may bring against these companies would be appreciated. 

Related, I would like to point out that Discover deceptively omits a borrower 's ability to pay less than the total amount due and outstanding in their mailed statements ( which I never receive anymore ) and through their online portal and website. Each time a borrower logs in, every screen including the PDF versions of their statements indicates that the entire past due balance must be paid. That would be true to bring it current though it would not be true to keep it from charging off. In my case, a payment of about {$230.00} per loan every 30 days will prevent charge off and a subsequent claim upon the insurer. However, each time I call, and each time I log in, I 'm told I have to pay about {$2300.00}. This sounds like a UDAAP violation to me worth of redress.
Consumer complaint received 2016-11-12
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: QuickClick Loans of Illinois, LLC (CA)

Quickclick loans in XXXX, Ga is reporting a negative account on my XXXX credit report that I have no knowledge of. I have sent in a notarized affidavit and a detailed police report stating that I have no knowledge of this account. I spoke with XXXX and XXXX in the fraud department and they informed me that they will not remove this negative item off the credit report unless a conviction was made of the person I believe who was using my identity. XXXX informed me if I followed through with trying to get the item removed they would investigate me and I would be charged with a felony. XXXX informed me that her and XXXX looked things over and they will not have the item removed. I have been trying to get this resolved for over 6 months now. They both were extremly rude to me.
Consumer complaint received 2016-11-17
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NY)

my elderly mother is in the middle of a reverse motgage forclosure i have been trying to contact the lender on numerous times as well as there attorneys with no repplies being returned i have noticed going through various paperwork of hers that this loan that elprted out with XXXX then became XXXX then to champion and now on the legal documents is now nationstar dba i and my mother are totally confused all i am asking the lender for is a payoff amount on the loan and time to sell the home and help my mother preserve a few years of life she might still have left i have no idea why this loan has been transfered to different banks any why this is even legal my mother was talked into this loan by her brother some years back i do not know who else to ask for help as there is so little helpful information on these loans to be found as i said above all i want to do is help my mother sell her home before we can not these loans are a disgrace and should be made illegal thank you and i hope you can help us
Consumer complaint received 2015-04-10
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP (FL)

I RECEIVED A PROMOTIONAL OFFER FROM CENTER STATE BANK, CARDMEMBERSERVICES, XXXX, XXXX ND STATING THAT IF I SPENT $ XXXXWITHIN XXXX MONTHS MY ACCOUNT WOULD BE CREDITED {$300.00} IHAVE MET THESEREQUIREMENTS BUT WHEN I WENT TO REDEEM MY MONEY I WAS TOLD I WOULDHAVE TO WAIT XXXX MONTHS BEFORE I WOULD RECEIVE MY. MONEY THE OFFERI RECEIVED MADE NO MENTION OF THIS. I BELIEVE THIS IS UNETHICAL MARKETINGAND I REQUEST I RECEIVE MY MONEY IMMEDIATELY.
Consumer complaint received 2023-06-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (CA)

I AM STILL TRYING TO GET MY ASSETS OUT OF ROBINHOOD. THEY ARE STILL IGNORING ALL SUPPORT REQUESTS. FULL ACAT TRANSFER FAILS BECAUSE XXXX IS FRAUDULENTLY REPORTING CRYPTO ASSETS AS BROKERAGE ACCOUNT ASSETS. THIS IS RIDICULOUS AS CRYPTO ASSETS CAN NOT BE TRANSFERED OVER USD RAILS. CRYPTO ASSETS ONLY EXIST IN CRYPTO WALLETS AND ARE HELD BY A SEPARATE THAN THE BROKERAGE ACCOUNT LEGAL ENTITY THAT IS NOT FINRA LICENCED. THIS IS EVIDENCE THAT XXXX HAS COMMINGLED USER FUNDS, AND THE FACT THAT THEY ELECTED TO " END SUPPORT '' FOR MY ACCOUNT RIGHT AS IT IS TIME FOR THEM TO COVER THE SHORT POSITION THEY INITIATED AGAINST ME ( USING MY CAPITAL THAT THEY DEFAULTED ON ), AND THEN THEY ATTEMPTED TO COVER UP THE WRONGDOING IS GROUNDS FOR A CRIMINAL INVESTIGATION! IF YOU SELL ANY OF MY ASSETS IT IS FRAUD AS YOU ARE CLOSING OUT YOUR SHORT BY ENDING YOUR LIABILITY TO ME AT A FRAUDULENT PRICE THAT YOU MANIPULATED. I DO NOT WANT USD. YOU MUST HONOR MY POSITIONS, AND PAY ME THE XXXX THAT YOU DEFRAUDED ME OF. I WILL NOT ACCEPT ANY CHECK OR ANY USD SPOT PRICE ON ANY XXXX  DERIVATIVE INCLUDING XXXX XXXX AS IT IS FRAUDULENT. TRANSFER THE ASSETS OUT TO XXXX IMMEDIATELY! I DO NOT WANT YOU TO CUSTODY ANY OF MY ASSETS! AGAIN, THE SPOT PRICES ARE FRAUDULENT AND YOU ARE LIABLE IF YOU SELL ANYTHING AT THE FRAUDULENT PRICES. THEY ARE OFF BY MORE THAN AN ORDER OF MAGNITUDE DUE TO THE FRAUD. NEARLY 8 % OF ROBINHOOD SHARES WHERE PURCHASED WITH FUNDS EMBEZZLED FROM CREDITORS LIKE ME. ROBINHOOD OUGHT TO BE IN LIQUIDATION RIGHT NOW BUT THEY ARE BEING PROTECTED VIA THE FRAUDULENT BLOCKFI BANKRUPTCY TRIAL.
Consumer complaint received 2023-04-24
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. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX Date Opened : XX/XX/XXXX  Balance : {$0.00}
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

My name is XXXX XXXX XXXX Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am a victim of the Equifax XXXX breach as well as the NATIONAL PUBLIC DATA data breach. This fraudulent, inaccurate, and false information consists of the following fraudulent hard inquiries : XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX ENTER Inquiry date XX/XX/XXXX XXXX XXXX XXXX CREDIT Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX XXXX BANK Inquiry date XX/XX/XXXX XXXX BANK Inquiry date XX/XX/XXXX XXXX BANK Inquiry date XX/XX/XXXX There should only be XXXX name on my credit report. My address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. All other addresses on my credit report are undeliverable and should be removed immediately. I do not recognize the aforementioned names, addresses, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-06
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Issue Summary A joint Bank of America credit card account was mistakenly flagged for disputed charges totaling {$360.00}. Despite the charges being legitimate and subsequently paid directly to the merchant, Bank of America has failed to resolve the billing dispute and provide the corresponding credit.

Detailed Timeline 1. The following legitimate purchases were made using the joint Bank of America credit card account : - On XX/XX/XXXX : XXXX XXXX XXXX, {$67.00} - On XX/XX/XXXX : XXXX XXXX XXXX, {$16.00} - On XX/XX/XXXX : XXXX XXXX XXXX, {$5.00} XXXX On XX/XX/XXXX : XXXX XXXX XXXX, {$280.00} XXXX. Upon noticing these charges, I mistakenly disputed them with Bank of America, believing them to be fraudulent. 

XXXX. As a result of this dispute, XXXX threatened to close my son 's account. 

XXXX. On XX/XX/XXXX, to resolve the issue with XXXX and prevent account closure, my son XXXX XXXX XXXX ) made a direct payment to XXXX for the disputed amount. 

XXXX. On XX/XX/XXXX, I filed a billing dispute claim with Bank of America at the Bank of America bank XXXX in XXXX, Co. I subsequently provided a bank statement showing that my son had paid XXXX directly and requested a corresponding credit from Bank of America for the disputed amounts. I uploaded the bank statement from my son showing proof that he paid XXXX. 

XXXX. Since filing the dispute, I have made several attempts to resolve the issue with Bank of America, including multiple phone calls where I've waited on hold for up to an hour at a time. 

XXXX. Bank of America has responded to XXXX of the disputes, stating that they are unable to confirm that I paid for the merchandise or service using another form of payment. They claim to have requested, but not received, information showing what form of payment, other than the credit card, was used. That is incorrect since I uploaded my son 's bank statement showing the matching charges. 

XXXX. As of XX/XX/XXXX, despite these efforts, Bank of America has not resolved the dispute or provided the requested credit. 

Actions Taken XXXX. Mistakenly disputed the charges with Bank of America when I believed them to be fraudulent. 
XXXX. Ensured direct payment was made to XXXX to prevent account closure. 
XXXX. Filed a formal billing dispute claim with Bank of America, providing evidence of the direct payment to XXXX. 
Claim IDs : XXXX XXXX XXXX XXXX XXXX. Made multiple follow-up calls to Bank of America to check on the status of the dispute.

5. Maintained detailed records of all communications with Bank of America, including dates and times of calls. 
XXXX. Submitted this dispute to the CFPB after Bank of America failed to resolve the issue in a timely manner.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

My account with those creditors was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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, has violated my rights. 
15 U.S.C. 1681 section 602 A. 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 an account without my 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 crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.
Consumer complaint received 2023-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX 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 2023-07-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2023-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

I opened up an account with Citibank and they ended up restricting my account because I typed my password in wrong so they immediately assumed FRAUDULENT ACTIVITY!! Yeah, not the case. After I opened the account, they were mailing me my debit card and stuff and I ended up moving to North Carolina and by the time the card was sent I didnt live at that address anymore. I have called time and time again and have tried to get ANYONE to help me but they refuse to help me because they want a phone number in my name which I even have now and they STILL wont help me. They say their gon na mail me stuff and they never do. They have my updated and new address and everything. I want my XXXX bucks!
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is the letter I sent this company with no response or corrections. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Demand to Remove Inaccurate Credit Information To Whom It May Concern : Enclosed is a Mandatory Notice. I am returning to my given name of XXXX XXXX XXXX. Change my name on this credit report. I have changed my status and reclaimed my name. I am demanding this credit report include information I give permission for. I have been a victim of fraud and identity theft that I am demanding be corrected immediately.

Furthermore, I would appreciate receiving an updated copy of this credit report at the aforementioned address. There should be no charge for this updated report. Additionally, I request that you notify anyone who has obtained my credit report within the past six months of any necessary corrections. 
Upon reviewing my credit report, I have identified certain inaccuracies that require immediate attention : XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Validate Account XXXX XXXX Account XXXX : XXXX XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank you for your attention and assistance in resolving this matter. 
Sincerely, XXXX XXXX XXXX ALL RIGHTS RESERVED Without Prejudice