davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-13
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched XX/XX/XXXX FRAUD CLAIM LETTER OF XX/XX/XXXX {$470.00} ALLEGEDING TEMPORARY CREDITS MADE PERMANET. ( they were Not ) see attatched XX/XX/XXXX statement ONLY CREDITS ARE FROM MERCHANTS. THERE ARE NO TEMPORARY CREDITS TO MAKE PERMANET.??? see attatched OTHER FRAUD REPORTS of transactions reported fraud other months of XXXX. XXXX, XXXX, XXXX, XXXX *Claiming I need do nothing and usaa will pursue this as fraud. I DID NOT GET A LETTER OR ANY NOTICE OF THE RESULTS ONCE INVESTIGATION begun. XX/XX/XXXX &, XX/XX/XXXX, XXXX, XXXX, XXXX WHEN DID THESE INVESTIGATIONS COMPLETE? WHEN WERE TEMPORARY CREDITS MADE PERMANET? Kindly Note THE XX/XX/XXXX {$470.00} CREDITS TOOK A YEAR TO MAKE PERMANET. KINDLY NOTE THE XX/XX/XXXX PERMANET CREDITS WERE NEVER PROVIDED XXXX. I HAVE BEEN HELD LIABLE FOR ID THEFT from XX/XX/XXXX - XX/XX/XXXX. See attatched ID THEFT case XXXX. USAA DESTROYED MY CREDIT WITHOUT FRAUD CREDITS PROVIDED. THIS 35 YEAR MEMBER CONSUMER IS 100 % LIABLE FOR FRAUD WITH USAA.
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently got out of an XXXX relationship after living in a XXXX XXXX XXXX XXXX for quite some time. In hopes of restarting a new chapter for myself and my kids, I started reviewing my credit report about 4 months ago, in anticipation of making a home purchase. However I noticed negative, inaccurate and derogatory reporting by the credit bureau. I contacted them in writing and on the phone to ask that my information be corrected and completed. The company responded by jumbling up my information - reporting misspelled versions of my name and publishing addresses which I have no association. I attempted to contact them several other times in order to get the information corrected however, their response would always be the same. I checked my credit report as recently as today with the same incorrect information being reported. My information is of a sensitive nature and should not be shared with my abuser. 

At this point, I am seeking intervention to stop the credit bureau from violating the law. Please let me know how I should proceed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (OH)

I was at XXXX XXXX today and I needed to pull my credit for business transaction and I discovered that someone has done a ton of fraud in my name for accounts and lines of credit in my name. I have over four different SSN numbers showing on my credit file that are definitely fraudulent SSN numbers. I have 20 something address showing and I have only lived in 3 addresses in Ohio. Please delete remove the following SSNs : XXXX, XXXXX- XXXX, XXXX, XXXX. My name is XXXX XXXX XXXX and DOB is XX/XX/XXXX and SS is XXXX. Please remove delete any variations of my name and SS. The two fraudulent account are XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX These are the fraudulent addresses on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX XXXX, WA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX I have contacted the authorities here in XXXX OHIO and I have filed a Police Report as well as a FTC ID Theft Report. I am not married to XXXX a please remove him as a spouse form my credit file please and thank you!
Consumer complaint received 2024-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It has been over 30 days and Transunion has failed to respond to complaint XXXX. Please see the attached CFPB complaint that was sent directly to XXXX and remove the account XXXX for incorrect reporting. Transunion is reporting a balance on an account that is uncollectible due to the statute of limitations in the state of Texas. Furthermore, the balance reported is not a balance that I ever had with the creditor. XXXX and XXXX have since removed the account and I expect Transunion to follow suit and correct this inaccuracy that is causing my credit rating great harm. My credit report is attached to show that Transunion is the only credit reporting agency to furnish this incorrect information.
Consumer complaint received 2020-06-12
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. (CA)

I just realized that there are two accounts on my credit report that I never opened. The accounts are from XXXX & XXXX XXXX XXXX. The only reason why I was even looking at my credit report is because I applied for an apartment and I saw these accounts in the negative accounts section. I don't know who these accounts belong to or why they're appearing on my credit but I did not benefit anything from them such as money or goods and I never made any payments towards these accounts. I have never opened any account with either of those companies and I am not affiliated with them in any way. I have also filed a police report in hopes of getting this resolved by the time I have to move. I have filed this report to the best of my knowledge.
Consumer complaint received 2024-01-11
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. (NJ)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX DEPT OF ED XXXX
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (NJ)

I have requested multiple times a breakdown of charges. To date the only thing provided is the total balance. I have a right to get a breakdown of charges. I want to know what the total interest vs fees vs actual usage is on the card. I keep going through this process and its not getting me any closer to a resolution.
Consumer complaint received 2020-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

dear sir/madam I have owned my home for 50 years and always made my payments on time.by mail.i decided to have chase take the payment directly out of my checking account .the payment was dueXX/XX/2020.i sent the required paper work in and waited.three weeks later they contacted me and needed more information of which I mailed them.as of now I am receiving notices that I am late with my payment.i tried to reach then by internet and by mail to no avail.they give me a phone number to call but after 18 minutes of waiting they disconnect.i want to go back to mailing my payment in but they are not reachable.i have the payment money but do not have an address to mail it.i don t know if they are going to take the mortgage out of my checking account or not.they will not acknowledge my inquiries.i will seek a lawyer if I am forced to.can you help me?
Consumer complaint received 2022-02-25
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. (WA)

In accordance with the Fair Credit Reporting act, 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. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-08-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TX)

I deposited XXXX btc with coinbase, and now my account is disabled. I've reached out through every possible means, including multiple emails, and social media messages. They wont even reply. Im absolutely disgusted with their lack of support. I want to know why I'm not able to access my BTC or even login to my account! I want an explanation and resolution NOW I have uploaded my ID numerous time to get the same error : The name on the document ( " XXXX XXXX XXXX '' ) doesn't match " XXXX ''. Please try again or visit https : //support.coinbase.com for assistance.
Consumer complaint received 2024-07-10
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Remitly, Inc. (CA)

This problem happened after my XXXX account was hacked last XX/XX/year>. 

So these were the transactions they were able to get from my bank account XXXX XXXX XXXX XXXX XXXX XXXX ) through the company Remitly, an online money transfer company : RMTLY* 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 Total {$1900.00} All these transactions were 15 total in one setting. It is impossible for the company to not notice this kind of fraud. Although my bank should have notice it too. 
My bank finally gave back all the money taken away from me yesterday, XX/XX/year>. 

Hope some measures will be taken to address this problem.
Consumer complaint received 2024-07-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Halsted Financial Services, LLC. (TX)

I received an email from Halsted Financial Services claiming to be a third-party collection agency with a debt belonging to me. I requested a written validation letter by mail to my correspondence address, asking whether they are authorized to collect on behalf of XXXX XXXX XXXX, assignee of XXXX XXXX XXXX  and XXXX XXXX, XXXX. I have yet to receive any kind of e-mail or e-mail from them. I have sent another in a follow-up email demanding the same, but no documents have so far arrived at the correspondence address.
Consumer complaint received 2020-04-13
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (FL)

My husband passed away XX/XX/2019 I was on the deed but not on the mortgage. I was in the process of a short sale with XXXX XXXX and the Mortgage Company let it go into Foreclosure the final step. After having a buyer and accepted bids. I tried calling XXXX XXXX for help but they are refusing to speak with me because I am not on the loan. That had already been taken care of with a death certificate and a copy of the deed with the mortgage company and the court. I started out with XXXX they were brutal to me and finally the went into bankruptcy and it was transferred to Shellpointe. Shellpointe will not answer my calls or return them and I am trying to get a 1 year record of all the communication we had so I can figure out why they dropped the ball with the short sale for no reason. A lot of time and effort went into it. I don't see how they can just foreclose when there was a buyer with an awesome bid almost at closing. XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX I am the one that reported to all my husband passed away and XXXX took it straight into foreclosure without talking to me. Shellpointe went to court with me. The judge told them if there was a remodification or shortsale to stop the foreclosure well they didn't and nobody will talk to me but the new company trying to get me out of the house. I won't get a dime out of the house but I think things should be treated fairly and honestly. I am wondering if the XXXX XXXX loan was even legal from the beginning with XXXX it was before the market fell. I need to find out why I can't get anyone to talk to me after all this. XXXX has been working with me and so has their attorney now they won't return my calls either or take them.
Consumer complaint received 2020-04-13
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (MI)

My card has been declining since Friday XX/XX/2020. Ive sat on hold for more than 4 hours on the only phone number available for seeking help. Ive even heard people talking in the background halfway through being on hold for them to click me back to hold when they realized and heard me yelling hello. My card is declining for everything even though there is several hundred dollars on it. There is no one from us bank willing to fix the problem. Were in the middle of a pandemic and I can not reach my child support funds.
Consumer complaint received 2020-06-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

I am writing to officially file a grievance with PennyMac. I formerly submitted a request to PennyMac to transfer my property to my living trust. A revocable living trust is a legal estate planning tool that places my assetsinvestments, bank accounts, real estate, vehicles, etc. in a trust for my benefit during my lifetime. 

Upon my death, all assets held by my trust are distributed quickly and easily to my designated beneficiaries. One of the benefits of a trust is the sheer fact that any and all transactions involved, including distributions, are private both before and after my death. I have received two separate letters from PennyMac requesting 1. ) a complete copy of my trust, and 2. ) acknowledgement that I am the named beneficiary. 

I have responded to these requests by providing a copy of a Memorandum of Trust and, Certification of Trust. Both of these are legal documents prepared by my attorney and should more than satisfy PennyMacs request. At this juncture, I firmly believe PennyMacs request is both unreasonable and unjust. 

I have attempted to contact a representative on several occasions specific to this matter to no avail and am hereby officially submitting a formal grievance.
Consumer complaint received 2023-01-05
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: EQUIFAX, INC. (NY)

THERE IS UNAUTHORIZED USE OF MY CONSUMER REPORT AND IT IS NOT FAIR AND EQUITABLE TO ME NOR IS ACCURATE I DEMAND THESE INQUIRES BE DELETED AND REMOVED FROM MY CONSUMER REPORT .CIVIL LIABILITY MAY BE GRANTED TO ME IF FAILURE TO COMPLY WITH FCRA 

Inquiries reporting .

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 2020-06-12
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)

I recently got out of an abusive relationship after living in a XXXX XXXX XXXX XXXX  for quite some time. In hopes of restarting a new chapter for myself and my kids, I started reviewing my credit report about 4 months ago, in anticipation of making a home purchase. However I noticed negative, inaccurate and derogatory reporting by the credit bureau. I contacted them in writing and on the phone to ask that my information be corrected and completed. The company responded by jumbling up my information - reporting misspelled versions of my name and publishing addresses which I have no association. I attempted to contact them several other times in order to get the information corrected however, their response would always be the same. I checked my credit report as recently as today with the same incorrect information being reported. My information is of a sensitive nature and should not be shared with my abuser. 

At this point, I am seeking intervention to stop the credit bureau from violating the law. Please let me know how I should proceed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2020-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

Dear Sir or Madam, My name is XXXX XXXX, I have a credit card account with Citi card for over 10 years. I always make my payment on time. Due to COVID-19, I received my statement late because New York City was shut down with limited services. 

I contacted Citi card to requested to waive a {$29.00} late fee however they can not waive it with no concrete reason. I think this is unfair. 

I was able to pay my bill during the pandemic. I wasn't asking for an extension, I was asking for a late fee to be wave. 

I need your help in getting Citi card to waive the late fee. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-05
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MS)

my contract expired XXXX XXXX, 2021. I have been trying to receive a new loan to date ( 15 months ). I have complied with all requirements and no decision has been rendered. I continue to respond to scheduled telephone calls and there is never any final decision. 
I was given a modification loan in XXXX and was told the signature of my XXXX  was needed. We are divorced and all paperwork is with PHH indicating she is not on the loan.

PHH reps is not communicating with me to give any updates. I continue to give them the necessary paperwork with no decisions rendered.
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (CA)

U.S Bank reported our credit card account 30 days late on XX/XX/XXXX and 60 days late XX/XX/XXXX. There was an ongoing error with their mobile application which would state a {$0.00} payment before the due date. 

Same problem happened with our Equity line of credit in XX/XX/XXXX, which we disputed and U.S Bank acknowledged the error produced by the mobile application and agreed to remove the 30 day late remark. 

Attached is a letter from U.S Bank confirming the mobile application error which also affected our credit card account XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2023-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (MA)

M & T Bank has been freezing my account for the past XXXX weeks. I've spoken to several of their associates and every time everything stays the same. In order for me to use my XXXX XXXX to make a purchase, the bank has to approve it first. I have done everything they want me to do including, the opening of on-line banking ( which I did not want ) and a back to back fraud alert. Still, I can't use my debit card. I never had any issues with either The People 's Bank or M & T in concerns with fraud. Right now, I'm beside myself. Thank you
Consumer complaint received 2023-06-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (IL)

On or about XX/XX/XXXX I have contacted Discover card phone line reporting unauthorized charges by XXXX XXXX and filed a formal dispute. 
Since XXXX Company scamming system is designed to frustrate and wear out un-suspecting consumers : the toll free # plays a prerecorded message referring a caller to their website, but no-one replies to claims. 
No direct contact was possible and Discover refused to share their contact information, but they reversed charges to my account. On or about XX/XX/XXXX I filed a new dispute which was elevated to Fraudulent Charges by the claim agent and due to disappointing performance by Discover I paid off the {$35.00} last statement and requested the closer of my account, which was done by Discover. But to my surprise Discover reopened the account and started issuing erroneous billing and sending false reports to credit bureaus damaging my excellent credit. 
Kindly please help me stopping this unfair and harmful practice of Discover Card