davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-20
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. (MO)

Attn : New Complaint : Thus is not a duplicate Subject : Complaint Against Trans Union for False Credit Reporting and Antisemitism/Discrimination Violations Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Trans Union regarding false credit reporting and potential violations related to Antisemitism/Discrimination. The details of my complaint are as follows : XXXX. **Disputed Account Information : ** On XX/XX/2023, I conducted a review of my Trans Union Credit report XXXX File Number : XXXX ) and discovered inconsistencies regarding the XXXX XXXX Acct # XXXX. Despite earlier indications of being updated and deleted, the account still reflects as a collection on my recent report. 

XXXX. XXXX Complaint : ** I have already filed a complaint with the Federal Trade Commission XXXX FTC ), under reference number XXXX, against both Trans Union and XXXX  XXXX. Unfortunately, my attempts to resolve the issue by contacting both parties have been unfruitful, as each directs me to address the matter with the other. 

XXXX. **Discrimination Allegations : ** I strongly believe that this prolonged dispute is a form of discrimination based on my gender, religion, and minority status. This discriminatory practice has adversely affected my credit score, which, given my extensive positive credit history, should be in the XXXX. The unjust retention of this adverse/derogatory account has resulted in an artificial decrease in my credit score to the XXXX. 

XXXX. **Negative Impact on Life : ** The inaccurate reporting by Trans Union has had a detrimental impact on my life, affecting my financial opportunities and well-being. Despite a history of responsible credit management and payment of substantial amounts, the persistence of this single adverse account is unjust and damaging. 

XXXX. **Consumer Rights Protection Request : ** I am seeking the intervention of the CFPB to protect my consumer rights against this type of Antisemitism and discrimination. I request a thorough investigation into Trans Union 's credit reporting practices and corrective measures to ensure accurate and fair reporting. 

**Consumer Information : ** Name : XXXX XXXX I appreciate your prompt attention to this matter and look forward to a resolution that rectifies the false credit reporting and addresses the alleged discriminatory practices. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-31
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. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway
Consumer complaint received 2023-12-20
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. (MO)

Attn : New Complaint : Thus is not a duplicate Subject : Complaint Against Trans Union for False Credit Reporting and Antisemitism/Discrimination Violations Dear Consumer Financial Protection Bureau XXXX CFPB ), I am writing to file a formal complaint against Trans Union regarding false credit reporting and potential violations related to Antisemitism/Discrimination. The details of my complaint are as follows : 1. **Disputed Account Information : ** On XX/XX/2023, I conducted a review of my Trans Union Credit report XXXX File Number : XXXX ) and discovered inconsistencies regarding the XXXX XXXXXXXX Acct # XXXX. Despite earlier indications of being updated and deleted, the account still reflects as a collection on my recent report. 

2. **FTC Complaint : ** I have already filed a complaint with the Federal Trade Commission XXXX FTC ), under reference number XXXX, against both Trans Union and XXXX XXXXXXXX. Unfortunately, my attempts to resolve the issue by contacting both parties have been unfruitful, as each directs me to address the matter with the other. 

3. **Discrimination Allegations : ** I strongly believe that this prolonged dispute is a form of discrimination based on my gender, religion, and minority status. This discriminatory practice has adversely affected my credit score, which, given my extensive positive credit history, should be in the 800s. The unjust retention of this adverse/derogatory account has resulted in an artificial decrease in my credit score to the 500s. 

4. **Negative Impact on Life : ** The inaccurate reporting by Trans Union has had a detrimental impact on my life, affecting my financial opportunities and well-being. Despite a history of responsible credit management and payment of substantial amounts, the persistence of this single adverse account is unjust and damaging. 

5. **Consumer Rights Protection Request : ** I am seeking the intervention of the CFPB to protect my consumer rights against this type of Antisemitism and discrimination. I request a thorough investigation into Trans Union 's credit reporting practices and corrective measures to ensure accurate and fair reporting. 

**Consumer Information : ** Name : XXXX XXXX I appreciate your prompt attention to this matter and look forward to a resolution that rectifies the false credit reporting and addresses the alleged discriminatory practices. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MO)

I have been enrolled in the Public Service Loan Forgiveness ( PSLF ) program since I started working for the federal government in XX/XX/XXXX. I continue to work full-time for the federal government but enrolled in an XXXX XXXX XXXX XXXX  in XX/XX/XXXX. My enrollment automatically caused all of my student loans to be placed in " in-school deferment ''. I spoke with a Mohela representative on XX/XX/XXXX requesting to have my loans taken out of deferment so I could make the payments starting in XX/XX/XXXX. This was not done. I called again on XX/XX/XXXX and spoke with another representative who e-mailed me a " in-school deferment waiver '' form to be signed and uploaded. I completed and uploaded the form on XX/XX/XXXX. Again, nothing happened. I spoke with another representative on XX/XX/XXXX who told me the form was there but could take 45 days to process. It has been 45 days and still nothing. I called Mohela again today, XX/XX/XXXX, and was told that it could take another 90 business days! 

I simply want to make my payments so they will qualify for XXXX. I only have XXXX payments left to make to qualify for forgiveness and this delay is unnecessary.
Consumer complaint received 2018-12-26
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY (CO)

I purchased two XXXX smart phones using XXXX XXXX which is run by TD Bank. I paid both of these phones off in full. 
My wife 's phone had a rebate offer of {$220.00} if we traded-in her previous XXXX phone. 
It was sent as agreed to XXXX in the packaging and box they provided. Although it was mailed in pristine condition ( I have XXXX records showing that it was used until we started using her new phone ), it was severely damaged during the shipment process ( it looked like someone has actually stomped on it and it was totaled ). 
At first XXXX revoked the rebate. I diligently paid the off the {$220.00} debt to TD Bank on XX/XX/2018 while my dispute proceeded forward. However, after I wrote XXXX they agreed to refund the {$220.00} charge. The refund was placed in my XXXX XXXX ( TD Bank ) account. I saw my refund sit in my account for several months in " Pending Transactions '' as a credit to me until I complained about not receiving my refund. I sent TD Bank as proof the email I received from XXXX XXXX refunding my {$220.00} asking for my credit. It of course has now disappeared from " Pending Transactions '' all together now! 
I talked to TD Bank 's customer service at length about this, and the department managers ( note plural ) agreed with me that I had paid the {$220.00}, but that that it was out of their hands. I just want the {$220.00} owed to me. 

Thank you very much!
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX I have not supplied proof under the doctrine of XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists.
Consumer complaint received 2023-10-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

The person called me with the aforementioned number XXXX and their phone caller ID showed Chase Bank, XXXX XXXX. He spoke very professionally and mentioned my bank account has fraudulent transactions. He said that the way to secure my account was to send a dollar amount to two accounts and to reverse these transactions. One of them was for {$1900.00} to XXXX XXXX and another for {$500.00} to XXXX XXXX through XXXX. This was followed up by a request of {$20000.00}, this is when I contacted Chase Bank to inform them. My money got lost. Chase filed a courtesy claim to refund my loss but voided my request to transfer {$2400.00} back into my account on the grounds that this was insufficient evidence. I tried calling them multiple times and received the same response. XXXX kept transferring me to ChasXXXX. Please help resolve this.
Consumer complaint received 2023-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (CA)

XX/XX/XXXX Contacted AMEX upon receive of email change notice. A new unauthorized user was added to my account. Spoke to fraud prevention department and they cancel my existing card including the newly added fraudulent account. 25 minutes were spent on call to resolve issues. 

XX/XX/XXXX Fraudulent transactions started to appear on my account despite it was supposed to be closed on the XXXX on XXXX. In addition, another unauthorized user was added to my account. AMEX fraud prevention department claimed they will remove unauthorized charges and close the newly added fraudulent account. A total of 23 minutes spent on call to resolve issue. 

XX/XX/XXXX Contacted AMEX with issues adding my new card to XXXX XXXX and follow up on unauthorized charge removal. The new card was not able to be added to XXXX XXXXXXXX hence a new card had to be issued. I was assured that unauthorized charges would be removed and will not be held liable. Spent a total of 47 minutes and 4 calls speaking to multiple representatives to resolve issues. 

XX/XX/XXXX Fraudulent transactions on the second unauthorized account started to appear on my account. That account was supposed to be closed on XX/XX/XXXX. I was asked on the call to confirm the unauthorized users for reason I can not fathom. The two unauthorized account were supposed to be closed on XX/XX/XXXX and XX/XX/XXXX calls respectively. Spent 33 minutes on call trying to get my account secured and removing unauthorized charges. 

XX/XX/XXXX All the fraudulent transactions went from pending to post status on my account. Spent 11 minutes on call asking representatives why they have yet to execute what I was told on previous calls. I may have to pay over XXXX XXXX out of pocket first to prevent fees and impact to credit profile.
Consumer complaint received 2024-04-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (AZ)

I am in the process of buying a home. I have spent approximately XXXX plus hours since XX/XX/XXXX to date on waiting times, speaking to representatives, and supervisors. I have requested they place me on the PAYE IDR Plan so I may begin to pay my student loans. I have been calling to get this matter resolved 3-4 times a week ( more than 1 call a day ) spending several hours each time. I have submitted all my income documentation per their request, I have given them all the information they need. I continue to get the runaround and many times the representatives mention they're in training. Each and every individual I speak with gives me different information each time. I've been told by multiple supervisors that my file is being escalated and it will be resolved within 5-7 business days. This has been false information after false information. I can not begin to explain the amount of notes that have been placed in my file, the countless hours spent, just to repay my loans. I have received a cost estimate already for the PAYE IDR Plan and all my documents have been received by Mohela. There is a great need for training. My situation is not getting fixed and I continue to get different information every time I call. I have explained that I can not close on my home until they update my IDR Plan, I have explained they are accessing a $ XXXX diem fee every day I don't close since I was supposed to close on XX/XX/XXXX. I have been relentless in trying to get them to put me on this plan. I am literally asking to pay my loans! To be placed on the plan I've asked over and over again. I don't know how much more I can take of this. At this point I am calling daily and nothing changes and I am sent to a voicemail box, because that's the only way to get a call back from a supervisor. This has been the worst experience in my life. A complete nightmare! Please help me. This servicer should be investigated for their lack of work ethic and lack of experience, especially when dealing with student loans. I need to be placed on the PAYE IDR Plan immediately and begin repayment so I may close on my home.
Consumer complaint received 2023-12-25
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

The incentive for enrollment in this card was for the XXXX XXXX  XXXX XXXX after spending XXXX within the first XXXX months. This would have offset the premium for enrollment with the card and was my ONLY incentive to become a Bank of America client. Met the requirements and instead of XXXX miles I was given XXXX miles. I have sent the email offer I enrolled from which clearly states XXXX and at no point was told it would be a severely reduced XXXX miles. Multiple several hour calls within 30 days of account activation and after the 90 days I have tried to rectify this with XXXX  XXXX and also Bank of America. Bank of America has lied and not provided ANY follow up communication.
Consumer complaint received 2023-12-06
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Freedom Mortgage Company (HI)

In mid XX/XX/2023 I submitted an initial request to Freedom Mortgage to have my VA home loan assumed by my spouse who is also eligible for a VA home loan. The company did not respond and I called on XX/XX/XXXX at which point I was advised that I had incorrectly filled out the form. The company would not have told me otherwise. 
On XX/XX/XXXX I resubmitted the form and when I called on the XXXX, was told it had been submitted correctly but it was not processed or added to their que until the XXXX of XXXX. After that I called them numerous times to follow up but each time was told that I had to wait. On Wednesday XX/XX/XXXX, I missed a call from the company and immediately called back. But they have a policy, we'll call you, don't call us. I was advised that I was put back on the 'call back ' list but would have to wait. On XX/XX/XXXX I finally received a call from them. They said they would schedule for a loan adviser to call me on XX/XX/XXXX at XXXX so I now waited for this call. To discuss my spouses finances and mine. But of course, XXXX has come and gone and I have not received a phone call from Freedom Mortgage or anyone that works for them. It has been three months and my family can not move forward until this process is complete. I have searched for other way to accomplish our goals and unfortunately we are dependent on Freedom Mortgage to do their job. This company has been unresponsive and unhelpful and in fact harmful to its veteran clientele. I have also called the VA home loan department which reached out to FMC regarding my case but with no results.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-05-24
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. (NY)

This is my first 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 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 2024-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (TX)

On XX/XX/2024, I applied for a Truist Simple Business Checking account and used Promo code XXXX during the online application. On XX/XX/2024, I met all the terms of the promotion which means that I should have received the promotional reward on XX/XX/2024. As of today, XX/XX/2024, I still have not received the promotional reward. 

On XX/XX/2024, I used the Chat With Us feature on https : //bank.truist.com/web/support to chat with a Truist representative who assured me that I would receive the promotional reward and to allow more time for the promotional offer to be deposited into your account. 

On XX/XX/2024, I called Truist and spoke with a representative who informed me that he did not see that the promo code was applied to my account and that he would submit an escalation. I am certain that I submitted the promo code during account application and I have a screenshot indicating that.
Consumer complaint received 2023-12-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (AE)

After waiting XXXX hours and having my call dropped I sent a message XX/XX/23 questioning why : XXXX payment was online says {$420.00} but doesn't provide a due date. 
XXXX. My invoice in my messages inbox states that my total payment due is {$370.00} by XX/XX/XXXX which is different than above amount. 

I asked why are the amounts different. Also my XXXX XXXX plan which on federal aid site says my monthly payment should be {$11.00}. 

I received no response. I tried calling again XX/XX/23 but again couldn't connect. I'm stationed in XXXX in the XXXX so the time difference makes it difficult. I sent another message and received an automated response on the XXXX that my message was received and i would get a response soon. On XX/XX/23 I received a message from mohela that I was late on my payment. I replied telling them thank you for reminding me and asked if they could please answer my previous requests explaining why my payment is so high. They sent me an automated message stating that my loan payment amount under save is dropping to XXXX $ starting in XXXX. Then they sent another saying it was XXXX XXXX This is great, but I'm still on the hook for paying XXXX $ in late payments because they messed up the calculation. How can my payment be XXXX $ or XXXX $ but I owe XXXX $? 

I don't expect to hear anything back and after reading about others experience this seems to be a VERY common problem. XXXX response generally seems to be to just tell people to recertify or put your account into forbearance while they figure it out. 

It's unfortunate that there's basically no recourse for people like me. I can't take any action against mohela for doing such a bad job. My only option is to pay an incorrect payment amount that I can't afford.