davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: U.S. BANCORP (MA)

XX/XX/XXXX XXXX XXXX XXXX  XXXX, USBank RE : XXXX XXXX XXXX XXXX Dear XXXX XXXX : My business was started just as COVID-19 struck us in XXXX of XXXX. 
The equipment I leased in XX/XX/XXXX was sitting in the warehouse of XXXX XXXX. It was installed in XXXX of XXXX, and according to the terms of the Lease, I was to get XXXX months grace period after installation not from the date of signing the agreement. The Dental office was immediately shut down until XX/XX/XXXX. We had no business and no income! 
I never got the XXXX months of grace period after the installation of the equipment. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX demanded payments immediately in the middle of the Pandemic. XXXX XXXX unfairly listed me as a high-risk defaulter when in fact I have enough asset to back up the loan. 
During Covid-19 Pandemic, XXXX XXXX was supposed to work with me and provide me with all the options to get relief, reduce payments and or postpone payments. He transferred the loan to USBank so so he could hide his mistakes and deny me a fair deal moving forward. 
During the second wave of COVID-19, My office was again closed between XXXX and XXXX except for a few emergency visits. I was unable to conduct business as usual. I had Pandemic related financial hardship and desperately needed and deserved additional Covid-19 relief. I had the right to request additional forbearance for at least 180 days. Based on the COVID-19 relief offered by the government, I had requested additional relief based on the medical emergency with myself and my family As a XXXX XXXX XXXX during the midst of COVID-19, you should have been more understanding and strived to help me recover and get back on track. 
Good Lenders are always willing to work with their clients to resolve the situation. As a good commercial lender, you were required to work with me and inform me about all my options during the COVID-19 before slapping me with property insurance charges and late charges. I complied with the USBanks requests and provided all the documents you requested and made payments as was arranged despite the Pandemic hardship that we are facing to this day. 
This information on Insurance charges and late charges was not disclosed to me from the beginning of the loan. Please take off these unfair late charges and property insurance charges when in fact I have had the XXXX XXXX for business property for the entire office and equipment since XX/XX/XXXX. 
Your equipment has never been uninsured since it was installed in XX/XX/XXXX I was shocked to learn it had late charges and legal fees added to the account without informing me. I had requested COVID-19 relief to make partial payments as is provided by Federal Law.

I am kindly requesting that the ALL-late charges and the Insurance property charges be removed from my account, and I am willing to pay off the entire balance. 
Please send me a final pay off bill. 
Thanking you, Sincerely yours, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX
Consumer complaint received 2024-04-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: KEYCORP (WA)

I writ of garnishment was issued on all XXXX of my accounts. I did not receive notification of the writ from the attorney or from KeyBank. They took all funds in all XXXX  accounts on XX/XX/24. I asked for information they provided the attorney number and the case number. I called the attorney on the morning of XX/XX/24 bc they were closed when I found out on XX/XX/24. The attorney agreed that they had the wrong person and issued a writ of release/quash of the garnishment. They faxed and mailed Keybank the legal documentation on XX/XX/24. Nothing had changed by the morning of XX/XX/24 so I contacted the attorney they emailed the copy of the legal order which I emailed to the branch. The branch then faxed the legal docs at XXXX to their legal department and were told immediate action would be taken. 
At XXXX I called the XXXX number asking for verification that they received documentation and when it would be fixed. After being transferred and on hold we were disconnected when I entered the branch about XXXX. 
I asked the banker that had been involved since Wednesday evening to help reach out and see if we could get it fixed. After waiting for him to navigate the phone tree for about 20mins his current manager manager said there was nothing they could do even though she had the legal doc in hand that stated they need to release my funds.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (UT)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-12-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (TX)

XX/XX/2020 Account # XXXX Pursuant to 15 USC 1681 a ( 2 ) congress make it clear that a Consumer report does not contain any transactions or experinces. Congress make it clear that I have a right to PRIVACY as a Federally Protected Consumer! You Continue to Violate and disrespect my right to privacy which is a direct Violation of the FCRA and gramm-Leach-Bliley act ! I did not Consent or authorize for you to share my nonpublic personal information. Congress requires you to adopt reasonable procedures for meeting the needs of commerce in a manner which is fair and equitable to me with regard to the confidentiality, accuracy, relevancy and proper utilization of such information. Please be clear that no consent or authorization is IDENTITY THEFT.
Consumer complaint received 2018-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NC)

I and my employer, the XXXX XXXX XXXX, have provided XXXX XXXX information on my employment with the tribe several times to qualify for the public service forgiveness option. They have continually rejected my application on false premises, saying I or the employer did not include information I am positive was sent to them. I have worked as a paralegal or title analyst for decades and understand how to fill out forms accurately. These pretextual denials of my renewal status on this program are infuriating.

My account number with XXXX XXXX is XXXX XXXX XXXX and I am trying to renew after one year in the program.
Consumer complaint received 2022-07-11
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. (NJ)

I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. Please note I am the only natural person writing this statement. There is no 3rd party helping me with this matter. The credit reporting agency failed to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. Please see attached letter that was sent.
Consumer complaint received 2018-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I have been calling and corresponding with this company for more than six months to complain that they have incorrectly charged me late charges and accumulated interest charges. On at least four occasions their employees have assured me the charges would be credited or voided, reducing that balance owing to XXXX. Nevertheless, they keep sending me statements showing that charges continue to accumulate. A copy of the latest billing statement dated XX/XX/18 is attached as is a copy of my last written communication dated 6/29/18 as well as my letter of XX/XX/18.

My last call to Citi was on XX/XX/18. The employee I spoke with said her name was XXXX, her " employee number '' was XXXX and she worked in the Escalation and Forbearance Dept. She again assured me the account balance would be reduced to XXXX  and that no more bills or collection calls would be made. Obviously that was a misrepresentation as they are continuing to bill me.
Consumer complaint received 2017-07-31
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: EQUIFAX, INC. (CO)

On X/XX/2017 I emailed a letter to equifax along with the various other reporting. Equifax is the one agency in particular I am having the problem with. I have only recently received an email response from them. The email sends me to a website to but I ca n't access anything on it because the page is an error page. I have tried called Equifax and they just seem to want to run around in circles.
The problem I am having is on my credit report Equifax has mixed up my information and my sisters. They ca n't seem to separate the two of us. They ask me to verify her information but I ca n't its not mine to verify. My sister 's name and social security number and her loans are listed on my credit report. She recently finished a XXXX which shows up with all of her loans on my account. Once I realized this problem. I contacted each loaning agency. I called to verify with each account that I was not listed as a holder of that account by my social security number and name or as a co-signer for my sister. Each vendor verifed this information but Equifax does n't seem to be able to make these changes. They are acting like a dishonest and lazy company.
All companies and the specific issues on my credit report are listed on the credit report and the letter submitted to them.
Consumer complaint received 2022-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (OH)

This all started when I got a collection notice from XXXX XXXX XXXX XXXX about a Paypal debt of {$1200.00}. I don't have a Paypal account or use Paypal. I submitted a CFPB Complaint about this collection agency. In response to the complaint they said they are working on behalf of Paypal , Inc and that it is possible that I am a victim of of fraud or identity theft, they said they would cease all collection activity. The advised me to call Paypal to address the concerns of identity theft. I called Paypal on XX/XX/22, I gave them the account number on the collection notice and they said they opened an investigation ticket # PT - XXXX and said it would take ten days. I called back on XX/XX/22 the representative said the ticket was done incorrectly and closed, the representative said a supervisor would have call me back, I gave them my phone number, but no one ever called me back. I am concerned about someone creating and using an account in using my name and address. Paypal is being very irresponsible with this issue. The account and debt are not mine and Paypal needs to do something about this fraud.
Consumer complaint received 2022-05-31
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: AMERICAN EXPRESS COMPANY (FL)

My Personal Sworn Statement & Declaration : I declare that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18ll U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE ATTACHED MY IDENTIFICATION ON ANOTHER PAGE
Consumer complaint received 2023-02-21
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. (MO)

The FCRA has laws that I have been made aware are not being followed by the Bureaus. I am now forced to submit a request through the CFPB for help. 
The following accounts are reported inaccurately, incompletely, and some are not even mine which is fraud and are violations of my rights. This is against the law they have in place and I want these fixed immediately. ( FCRA 15 USC 1681 ) My name is incorrect : ( Names ) XXXX XXXX XXXX XXXX XXXX ( Addresses ) I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX this is fraud- and are violations. 

( Accounts ) Not my account and it is reporting different with TRANSUNION, XXXX, AND XXXX. VIOLATIONS! 
XXXX XXXX account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, ( Accounts ) Reporting complete inaccurate information for all three bureaus, violations! 
XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX  acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-18
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. (WI)

XXXX violates my rights to financial privacy under 12 U.S.C.XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX $ sold to collections. 
XXXX  # XXXX sold as charge off. 
XXXX XXXX XXXX # XXXX charge off for XXXX $ XXXX XXXX # XXXX sold as charge off. 
XXXXXXXX XXXX XXXX XXXX # XXXX charge off forXXXX $ XXXX XXXX # XXXX charge off for XXXX XXXX 
Public records Wisconsin child support docket # XXXX incorrect balance of XXXX $ also violates my rights to financial privacy. File number XXXX issued XXXX
Consumer complaint received 2022-12-18
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Back on XX/XX/2022 I updated Transunion about a wrong address for a creditor that was listed on my credit report. The creditor was XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX. XXXX had the same creditor listed with address XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX The Creditor was removed after the realization but the defamation to my character was already done and has caused me many hardships to my life and family. I was never updated about the removal or any update to my credit score from either credit reporting agency. This was a grave error and their responsibility to complete accurate investigations before reporting on me as a consumer.
Consumer complaint received 2019-06-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (LA)

Pulled credit report on XX/XX/2019 Found item on report and disputed Sent letter to company Company signed for certified letter No response from company Sent second letter to company Company signed for certified letter Pulled credit report on XX/XX/2019 and item remains on credit report Company does not respond to letters sent
Consumer complaint received 2024-03-15
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. (NJ)

I lodged a complaint with these Bureaus a couple months ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these XXXX and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2018-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: AMERICAN EXPRESS COMPANY (CO)

On XX/XX/XXXX I opened an Delta AMEX card to book a flight. When the instant account number page was opened, the screen timed out and I was unable to receive this number to pay my flight ( THE WHOLE PURPOSE OF THE CARD ). 

I talked to 3 representatives. The first one told me to wait a few hours ( I did and chatted back ). 

The second, XXXX, told me to wait 24 hours to get my card number. HE ALSO gave me someone else 's account information, i will paste the chat here. What a freaking security hazzard. 

You - XX/XX/XXXX XXXX XXXX Please chat with us in next 24 hours. We will let you know if instant account number is available on gold delta card or not XXXX - XX/XX/XXXX XXXX XXXX We are all set no XXXX - XX/XX/XXXX XXXX XXXX  now XXXX - XX/XX/XXXX XXXX XXXX Your user id XXXX password is XXXX XXXX - XX/XX/XXXX XXXX XXXX What is this for? 
You - XX/XX/XXXX XXXXXXXX XXXX Please disregard may last statement XXXX - XX/XX/XXXX XXXX XXXX Yikes.. what a security You - XX/XX/XXXX XXXX XXXX   XXXX, please ignore it. It is not for you. 
XXXX - XX/XX/XXXX XXXX XXXX It's actually concerning that they would share someone's login credentials with me. 

I chat today with XXXX and he told me he can not give me the my account information. Not only am I am unable to book my flight with the card I opened, I am constantly given false information by back to back representatives.
Consumer complaint received 2022-12-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I noticed yesterday, XX/XX/2022, that I had received a few emails from Bank of America on XXXX that were basically walking me through the process of opening a bank account in my maiden name. They verified my email ( XXXX XXXX ) opened the account, and then changed the email at the end. I called Bank of America and let them know it wasn't me who opened the account and that's not even my name anymore. I changed my email password to an actual password rather than the sms code.
Consumer complaint received 2021-08-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (GA)

Tiaa, our mortgage holder is using our mortgage payment to pay insurance that they say we owe. We have had our insurance with XXXX since XX/XX/2020 to date and Tiaa will not accept our insurance. Tiaa is using forced escrow insurance which we refuse to pay since we have proven to them that we have had XXXX XXXX. No matter what we send them ( copies of the policies ), Tiaa will not accept this proof therefore they say we owe them thousands of $ 's and they are collecting this money by using our mortgage payments to do so. We have written the President of Tiaa, the President of XXXX twice. No response!
Consumer complaint received 2022-01-27
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. (DE)

On XX/XX/2021 I sent a letter to all XXXX, experian and XXXX about the first premier bank credit card. This account does not belong to me and was opened fraudulently. I sent three letters to have this removed from my report, but they have not responded or removed.
Consumer complaint received 2019-06-30
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: EQUIFAX, INC. (NY)

There are many of the same Accounts and Inquiries opened on different dates Accounts 1 ) XXXX XXXX XXXX - {$270.00} on XX/XX/XXXX 2 ) XXXX - XXXX XXXX - {$0.00} on XX/XX/XXXX 3 ) XXXX   - XXXX XXXX - {$0.00} on XX/XX/XXXX 4 ) XXXX - XXXX XXXX - {$0.00} on XX/XX/XXXX 5 ) XXXX - XXXX XXXX - {$0.00} on XX/XX/XXXX Inquiries 1 ) XXXX XXXX XXXX XXXX - on XX/XX/XXXX 2 ) XXXX/XXXX  XXXX XXXX - on XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX - on XX/XX/XXXX 4 ) XXXX XXXX XXXX   XXXX - on XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX - on XX/XX/XXXX
Consumer complaint received 2019-06-30
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. (NY)

There are many of the same Accounts and Inquiries opened on different dates Accounts 1 ) XXXX XXXX XXXX - {$270.00} on XX/XX/XXXX 2 ) XXXX  - XXXX XXXX - {$0.00} on XX/XX/XXXX 3 ) XXXX  - XXXX XXXX - {$0.00} on XX/XX/XXXX 4 ) XXXX - XXXX XXXX - {$0.00} on XX/XX/XXXX 5 ) XXXX XXXX XXXX XXXX - {$0.00} on XX/XX/XXXX Inquiries 1 ) XXXX XXXX XXXX XXXX - on XX/XX/XXXX 2 ) XXXX/XXXX XXXX XXXX - on XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX - on XX/XX/XXXX 4 ) XXXX XXXX XXXX XXXX - on XX/XX/XXXX 5 ) XXXX XXXX XXXX XXXX - on XX/XX/XXXX