davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

I was involved in getting a hardship mortgage through bank " Fifth Third ''. Was told while in process, my missed payments would not go to credit report. Was given a hardship option. I closed " selling home '' before needed to use this option. Found that they had reported missed payments to credit bureau, after being told they would not. Company will not let me hear taped conversation 's. Had I been told correct information. I would not have missed payments. As this going on, I had XXXX. Money went to medical bills. Just want bad report off credit. This is my only blemish. Several phone calls involved. Most important on approximately XX/XX/2020. Last spoke with XXXX XXXX XXXX. She said I misunderstood. I asked, what reasonable person would think, she would not answer direct question. Mortgage was paid in full, before XX/XX/2020. Which was last day, I had to make first payment on hardship loan. I was sent letter after last call, saying issue XXXX was opened. XXXX XXXX said issue was not going any farther.
Consumer complaint received 2020-04-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

I called my mortgage servicer on XX/XX/2020. The only options for repayment on my forebearance are a lump sum or 40 year loan modification. Ive read several news stories on how they should allow me to defer my payments to the end of the loan. However they are denying me that option. My loan is backed by the federal govt and should have that option.
Consumer complaint received 2022-08-21
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: EQUIFAX, INC. (FL)

I am unsure how and why XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX pulled a hard inquiry on my account. I did not give them written consent to review my credit reports
Consumer complaint received 2020-04-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

I used XXXX to pay for an online service. Unbeknownst to me, there is no buyer protection, although its backed by my bank. The vendor turned out to be a scam. I called my bank and was told there was nothing they could do because I authorized the payment. This was the first time I ever used XXXX for an online purchase. Later, I found multiple complaints on XXXX  with similar experiences to mine. Wells Fargo should be more upfront about the risks of XXXX and make their customers aware. I lost {$500.00} and was left heartbroken.
Consumer complaint received 2017-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TD BANK US HOLDING COMPANY (AK)

XXXX   XXXX   the payment I owed to Target of  XXXX  which was received 6 days late due to a problem that I was not aware of. I was out of Alaska, in  XXXX  and I did not receive any statement from Target with late dues.   When I came back which was in   XXXX   XXXX   I tried to explain to Target that I was out of the country, and was sure that the amount was paid.   They said that the 30 days in which I should have resolved the issue I did n't call ...  ..but how could I be aware that the payment to Target of   XXXX   came 6 days was late?    I tried to resolve the issue with them, but there was absolutely no opening.   Nor there is any opening from their side right now.   They have sent this to   XXXX   which is creating a problem for me.   I would very kindly suggest that you mediate in this affair.   I do not owe anything to Target, there are only charging interests.   Even though I tried to pay the interests for  one  month, for the delay ; they are not considering that either.   Thanks  XXXX   XXXX  Target Account Number  XXXX
Consumer complaint received 2020-04-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I was checking my credit report and noticed that your company placed a negative account on my credit report. I do not recall or recognize this account. I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.
Consumer complaint received 2020-04-08
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. (MD)

XXXX is continuously reporting a derogatory remark on my credit, in reference to a account that is not mines I never opened a loan in XX/XX/2017, the account is reporting twice on my credit report.it states that the account is closed but still reporting late payments on my credit report which is erroneous information, if it's closed how can they still report late payments on account that's not even mine.
Consumer complaint received 2020-04-08
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. (GA)

I contacted TransUnion Consumer Solutions via certified mail disputing Unauthorized Credit Inquiries on my credit file XX/XX/2020. The letter asked for them to remove the unauthorized inquiries from my credit report. I received a letter from them dated XX/XX/2020 that was an explanation of the Inquiries on my report, giving me information on how long they may stay on the report and letting me know if I believe an inquiry was made unlawfully to reach out to the creditor directly. I didn't ask for an explanation I asked for the unauthorized inquiries to be deleted. After receiving the letter I sent them another letter XX/XX/2020 asking for the unauthorized inquiries to be deleted from my credit file. I never got a response from the company after my second request was sent and also sent certified mail.
Consumer complaint received 2020-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (NY)

Unbelievable I placed a check order and they refuse to make it free its not fair I was charged {$90.00} and then XXXX charged me {$30.00} for something I paid rushed never delivered on time I want my money back from my bank
Consumer complaint received 2020-04-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (KY)

I purchased a Visa gift card from prepaidgiftbalance.com a company of US Bank at XXXX grocery store. When tried to use the card it declined. It was a gift so, I do not know what to do to get my funds. I called the prepaidgiftbalance at XXXX and they said they blocked my card and they are holding my funds. I advised them, we paid cash and they would need to pay me interest for holding my funds. They said I need to provide all of my personal identification through a fax- I advised them I do not have a fax and the info will not match since it is a gift and we are in an emergency and need food. They said they would not release my money. They have 2 of my cards held with over {$100.00} that I need desperately due to coronavirus. I want XXXX to know of how customers are being treated and I would like help in getting my money. I am out of work and can not get food for my family. Please help.
Consumer complaint received 2023-05-13
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: EQUIFAX, INC. (FL)

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. 

US DEPT OF EDXXXX XXXX XXXX US DEPT OF EDXXXX XXXX, US DEPT OF EDXXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX, 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 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 has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-27
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. (TX)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts immediately. 

XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX ( XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2023-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CT)

I obtained a 0 % card MySynchrony account XXXX months ago when I made a purchase through an affiliated vendor. When I received my first bill, I set up autopay to pay the minimum monthly payment each month. The next month, on the scheduled payment date ( XX/XX/XXXX  ), Synchrony debited my linked checking account for the full balance in my card, causing an overdraft on my account. I tried handling this issue online, but automated service options did not work. I called the customer service center during stated customer service hours ( XXXX XXXX XXXX on XXXX ) and was never put through to a representative after an hour of holding.
Consumer complaint received 2023-01-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On XXXX XXXX I opened a checking and savings account with proceeds from a lawsuit that was handled by XXXX XXXX XXXX XXXX. Both accounts along with direct deposit for my monthly social security payments were opened by personal banker XXXX XXXX. The check from the lawsuit was XXXX. I deposited {$30000.00} into the new savings account. I was given {$10000.00} cash per my request and the remainder was deposited into the checking account. My direct deposit was established to receive social security payments on the same day. As of today, I still have the checking account and direct deposit. I deposited the {$30000.00} into the savings account for safe keeping. Although, I was initially skeptical about banks, I trusted Chase Bank to do right by my money. After I deposited the monies into the accounts, I withdrew {$2000.00} from the savings account and never touched it again as I wanted to keep it. In the last few months, I have gone to the bank to inquire about the savings account, and I was informed that there was no savings account initially. After demanding a bank teller to provide bank statements, I only received XXXX statements that did not make mention of the savings account. I was told on multiple occasions that I never had one. After several complaints in person and on the phone ( My daughter XXXX XXXX ) even spoke to the corporate office and was given information that I have the accounts, including the savings account, but the money was gone and the account was closed in 2013. They notified me on the phone that someone ( they didn't know who ) had withdrew the money on a monthly basis until the account was closed. I informed them that it was not me, but they blamed me for the missing money stating that I should have contacted the bank. I tried to explain that I put the money in the account for safe keeping. They refuse to investigate to find the theft or fraud and who did it and how it was done. I have lost {$28000.00}. Please help me. They validate that I did have a savings account but don't know or refuse to investigate who stole the money and how it was done and they blamed me.
Consumer complaint received 2020-04-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JNR Adjustment Company, Inc (FL)

I received a collection letter from JNR in reference to my XXXX home security system. 

The amount of XXXX is completely unbelievably WRONG! 

I have already received my Bill statement for XX/XX/2020. The total amount due is about XXXX. 

please check into this fraudulent collection bill. 

I am still a client with XXXX and I have an open account. Thank you.
Consumer complaint received 2020-04-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (GA)

I fell behind on my payments in XX/XX/2020 because of loss of income, I had a an agreement with the bank to pay an additional {$500.00} in addition to my regular payments. The bank sold a loan to another company and the payment agreement was no longer valid. The new company that owns the mortgage is a debt collection agency. They do not want to work out any type of agreement with my payment options.
Consumer complaint received 2024-03-19
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. (DE)

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.

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 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 has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (MS)

I bought a used car which started out being {$12000.00} with {$3500.00} down payment so wouldn't that mean that the financing price would be XXXX but that wasn't the case I've had it XXXX year starting balance for finance is {$23000.00} and owe {$16000.00} thats not right and know one seem to understand me but if they come get it ill owe them the remaining balance so either way I'm still n debt and the sell price is like {$5600.00}. Blue book price
Consumer complaint received 2020-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CA)

To whom it may concern, AMEX decided on XX/XX/XXXX to cancel ALL my AMEX accounts that I had with them. They gave me no valid reason for this on the phone, and just won't tell me why. I have been a customer of theirs since XX/XX/XXXX. This type of behaviour and inconsideration is unacceptable. I deserve better. I have never missed any payments, and always had my accounts in good standing with never having an issues with them. 

I believe they have heavy handedly closed my account for a reason that was beyond my control and/or someone has made a mistake and won't own up to it. However, I suffer here because I have outstanding balances that I am used to paying over time for, but now they require the amounts in FULL. Each time I contact AMEX no one knows what is going on. 

On XX/XX/XXXX I was alerted by XXXX that AMEX had opened an account under my name, which is not something I did. This reflects now on my credit score rating. Again I contacted AMEX and they won't tell me anything. I want this " new account '' taken from off my credit score and rating as I have not opened anything. They closed all my accounts down on XX/XX/XXXX and then ran a new account through a credit check the day after. It all seems too coincidental and I require answers. 

Finally, I am demanding a pro-rata reimbursement of the {$550.00} annual fee I paid for my Platinum Account that AMEX charge. AMEX cancelled my accounts themselves, I didn't cancel them, therefore I paid them a fee for a service of the card that I haven't fully gotten, thus they have taken my money from me without keeping to contract of offering that full service for 12 months. I would like AMEX to reimburse this. 

I look forward to their response. 
Regards, XXXX XXXX XXXX
Consumer complaint received 2020-04-08
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. (LA)

This company consistently is violating my FCRA rights by keeping identity theft items on my file and removing or blocking them. I have attached my official signed FTC fraud report which includes numerous off accounts and inquries and public records that need to be removed from my file. I have suffered tremendous stress and scrunity from employers to clean this up to even keep my job or get a job for the longest and this company is damaging my financial life and making it hard for me to even take care of my family. I have one time where they removed a public record from XX/XX/2014 and put it back on there without any explanation of saying why they put a public record thats not mine back on my report after i got the courts to remove it. I have 3 public records thats on my file due to identity theft and I have contacted the courts and they keep telling me they have listed them as fraud and are willing to talk to the credit bureaus about this but the credit bureau is hiring a third party company to verify this information and no one never reaches out to the courts at all to get this removed from my file permanently. I would like for all these fraudulent accounts removed from my file immediately and my report updated accordingly I have attached my FTC fraud form which lists ever fraud/identity theft accounts that needs to be removed.
Consumer complaint received 2020-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (VA)

Hello - Hope you are staying well in these trying times and thank you for receiving this complaint. 

I am writing in response to not receiving usable credit card bonus miles from Citi for the Citi/ AAdvantage Platinum Select World EliteMastercard, despite meeting the terms of the offer from Citi XXXX 

I have opened the Citi AA MasterCard mentioned above and initially received the bonus points from Citi, per the terms of the welcome offer ( see link below for an example ). On XX/XX/2020, Citi 's partner XXXX XXXX informed me that they were shutting down my XXXX XXXX ( XXXX XXXX frequent flyer account for " abuse of the AAdvantage Program through gaming behavior, used to circumvent the Citibank/AAdvantage card enrollment bonus eligibility restrictions. On this date, they unilaterally confiscated my points, to the tune of XXXX miles ( ~ {$29000.00} cash value ). 

I would like Citi to confirm and explain how : a. ) I abused the Citibank AAdvantage card bonus eligibility restrictions b. ) How Citi can re-issue the miles in accordance with the credit card application that we both entered into per the terms of each agreed upon application I have attached the letter from XXXX ( to which they did not reply ), and I look forward to resolving this amicably. I can be reached at : Cell : XXXX Email : XXXX Link : https : //creditcards.aa.com/
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-01-03
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. (NJ)

IN THIS LETTER PLEASE SEE THE ATTACHED POLICE REPORT as requested via letter by XXXX in order for this account to be blocked. 
I am writing to demand the fraudulent XXXX account that has been reporting to my credit card for a year now to be removed. The account begins in XXXX and was fraudulently opened in XXXX. I have submitted multiple fraud reports for this account to be removed and disputes. XXXX and Tranunion Fraud Department requested for me to turn in the full Identity theft affidavit report in order for this account to be removed due to Fraud. That has been done. 
Please review the last identity theft affidavit submitted with the previous letter that was sent out on XX/XX/XXXX. I attached proof of verification and the identity theft affidavit to my previous letter that certified mail confirmed that you received. 
This account must be removed/ blocked within 4 business days after receiving. XXXX and the CRA is being unlawful due to this fraudulent account to still be reported.
Consumer complaint received 2023-02-04
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: JPMORGAN CHASE & CO. (NY)

I have fraudulent inquiries on my credit report. 
Below I have provided the unauthorized inquires that appeared on my report. 

-Consumers co XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXJPMCB card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX