davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I first noticed this approximately late XXXX, i would get locked out of my online account and have to call the bank and have them reset my access to the account to make a deposit from my savings account. Then by early to mid XXXX it had gotten to the point i would have to call bank fraud department to have my access restored. this is where it got really inconvenient as bank fraud was only open XXXX to XXXX and was much harder to get through to, for me. it went from having to call once a month to having to call just to have 10 min of access to the account. this continued to progress even as i complained, to the point when i called and had my access restored i would have 10 min. until it would time me out, then i would have to call bank fraud again. this was some kind of new security measure is what i was told yet no one could tell me why i was getting flagged every time i logged in after telling me they fixed it several times, i could tell the girls at my local branch were tired of me calling every day to get access to my account as covid took hold it became much harder to run to XXXX XXXX  then run to fifth third to deposit money. XXXX is where my mmda account is and where i transferred money into the fifth third account from. once the lockdown took place this became way more complicated than just running to each bank to make a deposit. for the last few months at fifth third the girl at my branch set up a e mail if my balance went below XXXX dollars, and i would hurry to walk a deposit over. they would wave the overdraft fees and try some new way to fix the problem. then it seemed to me money was missing from the account, having so much activity and all the chaos with trying to view the activity by this time i only had the 10 min time before it logged me out and i would have to go through the hole process to get another 10 min to view the account. I found out that money was missing and they had charged me for overdraft fees, having only the 10 min i was unable to go through the account fully to find the missing money. i was also getting ready to go in for XXXX  XXXX at this time, i opened an account at a different bank. i sent fifth third several letters asking for help but with covid there was little in person help and over the phone help had gotten way harder. so i sent letters and figured they would get to me when things calmed down. then a few weeks ago i received a notice from a collection agency .that was the first letter i had gotten at all from any response from fifth third. i had no idea they were saying i owed them money this seemed ridiculous giving the circumstances. i had sent so many letters and gotten no response, then this so i called to resolve it and got no where. i should have many of the phone calls recorded i am going to begin to look for them. i would like my credit restored with an apology written and i would like my money back.
Consumer complaint received 2020-02-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

Please see attachment, it is important to mention that the bank 's XXXX XXXX is a key employee I had a XXXX XXXX complaint concerning now at the FDIC and the bank nationalized due to their links to my issues.
Consumer complaint received 2020-02-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (CO)

I recently received a letter and calls from XXXX XXXX trying to collect on two debts- HomeDepot ( CITI ) {$1400.00} and XXXX XXXX ( XXXX XXXX ) {$1000.00}. I tried to explain that I had paid the Homedepot account XX/XX/XXXX but they informed me that they have no records and I have to pay and offered 10 % off both accounts if I decide to Settle. I went ahead and set up payment arrangement and they're to take {$25.00} per account the month of XX/XX/XXXX and starting XXXX, {$100.00} each. After I had set up the payments I found the receipt of the settlement agreement for CITI-HomeDepot of the cashiers check. I need this to be corrected and removed from my credit.
Consumer complaint received 2021-07-22
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: Bread Financial Holdings, Inc. (NJ)

Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. Your cooperation would be GREATLY appreciated. 

1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 Please remove this inaccurate information from my credit report. 

2. Identity Theft XXXX  XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXXXXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2021-03-09
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: Fidelity National Information Services, Inc. (FNIS) (MT)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX  XXXX  XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 
The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX - XXXX XXXX  - XXXX XXXX  XXXX  ( Original Creditor : 08 XXXX XXXX ) XXXX XXXX  XXXX ( Original Creditor : 08 XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX  | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX
Consumer complaint received 2019-07-17
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. (IL)

I have disputed this item with TransUnion becase i can not identify this item in the amount of XXXX and have had problems with someone useing my ssi # in the pass i requested a contract or a binding legal document and they did not provide me with either document but say that this item is accurate the investigation id # with TransUnion is XXXX
Consumer complaint received 2021-04-14
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. (TX)

fcra violations : XXXX XXXXXX/XX/XXXX Original creditor : THE XXXX XXXX XXXX {$850.00} Balance updated XX/XX/XXXX Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$850.00} {$850.00} Payment Info Original loan amount {$850.00} Balance {$850.00} Status date XX/XX/XXXX Additional info Comments Dispute resolved consumer disagrees Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XX/XX/XXXXXXXX Original creditor : XXXX XXXX XXXX - XXXX {$520.00} Balance updated XX/XX/XXXX Account Info Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$520.00} {$520.00} Payment Info Original loan amount {$520.00} Balance {$520.00} Status date XX/XX/XXXX Additional info Comments Account information disputed by consumer Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this accountXX/XX/XXXX Original creditor :XX/XX/XXXX$520.00} Balance updated Account Info Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account Paid off : 0 % Balance on Loan Amount {$520.00} - XX/XX/XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$520.00} Balance updated XX/XX/XXXX Account Info Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account
Consumer complaint received 2018-05-14
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Weinberg Mediation Group LLC (CO)

I was contacted three separate time by the Weinberg Mediation Group about a debt that was to be collected. The first phone call was on XX/XX/XXXX ( XX/XX/XXXX ) and stated that there were documents in their office and that I would need to communicate with them in order for them not to report my non-compliance. I felt like I was in actual legal trouble at this point until I researched this company and found out that they are a shady debt collection company. Then two ( 2 ) weeks later on XX/XX/XXXX ( XX/XX/XXXX ) I received another phone call from the same phone number stating that this would be the final courtesy call and that I should contact them so that they will not report my non-compliance in the issue and stating that they will report the non-compliance to the proper jurisdiction. I again ignored this message. And then again last Wednesday XX/XX/XXXX ( XX/XX/XXXX ) I received the same phone call from the same number stating that, again, this would be my final courtesy call before my non-compliance is reported to the proper jurisdiction. These phone calls are very inconsiderate. Many other people may fall victim to these threats because they are vague enough to imply the that are either going to take civil or criminal action against you. They also never revealed that they are a debt collection company. I have included all 3 voicemails left on my phone with dates and time that the messages were left. I have also included the actual messages that have been left by the Weinberg Mediaton Group with a rough transcript of what all was said in the voicemails. All voicemails were received from the same phone number ( XXXX ) XXXX which also shows up on my phone as a New Mexico phone number.
Consumer complaint received 2021-09-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

Due to Covid i became unemployed for the first time in my life. I had to put my property into forbearance. Once I became employed again ( after 6 months on unemployment ) my income is less than it used to be. I used a company to help me request a loan modification from my lender Mr Cooper. The modification offered is minimal and does not help me for the following reasons : 1. My income has been reduced for the forseeable future 2. The " modification '' is a minimal savings- only {$100.00} per month 3. The cost of the modification ( charged by the company i hired ) divided by the {$100.00} savings would take me 8.5 years to recoup 3. The modification extends my loan to 40 years keeping me in debt longer for a situation i did not cause that was completely beyond my control ( covid ) 4. The interest rate has not been reduced at all- they are keeping it at 4.625 % when rates are now much lower 5. They were overcharging me {$310.00} per month on my escrow bill for several months and the multiple requests i made to get it corrected ended up in a dead end 6. Due to them not correcting my escrow account i had no faith they would be easy to work with on a modification so I then employed a company to help me with getting a modification.

7. If i reject the offer Mr Cooper has made, they have already stated they refuse to let me submit again and said they will short sale my home. If i accept the offer, i have to pay the company i hired for minimal savings on the loan payment that will take me years to recoup.

Based on the factors listed above and under the extreme circumstances created by Covid combined with the low interest rate market I don't feel this is a fair offer. I feel what Mr Cooper has offered under the current
circumstances is the bare minimum and has put me in a position where i must accept the minimal terms or lose my home. Which means because i don't want to lose my home, that i just have to accept whats offered. It has put me in a difficult and vulnerable position, when i was already in a difficult position due to Covid.
Consumer complaint received 2018-05-14
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Chaplin & Papa, P.C. (VA)

A judgment against me was applied on XXXX XXXX XXXX by XXXX XXXX via their Subrogation Attorneys " XXXX XXXX XXXX '' for the amount of {$17000.00} + 6 % from the date of the Judgement. My complaint is that XXXX XXXX  XXXX suspended my license. 

I learned of the suspension because I received a letter from DMV. I then contacted XXXX XXXX   XXXX to determine why and was told because I had not arranged to make payment. I asked the representative how was I supposed to know to do that as I was not sent any type of notice from them to contact them. I expected that after the court decision they would have sent me a letter advising of the final details of the debt and what is necessary to make arrangements for the payment of the dept. 

I have also not received any notice from XXXX XXXX  XXXX that they have made the adjustment to the amount of the debt owed. The VA Insurance Commission handled an issue related to the amount I owe for the claim because of an error on XXXXXXXX XXXX part with the valuation of their client 's vehicle. XXXX acknowledged their error and adjusted the amount owed by deducting {$970.00} from the original amount due but XXXX XXXX XXXX did not send a letter acknowledging that either. 

In summary, they did not send a letter requesting that I contact them to discuss next steps or acknowledge that they have adjusted the amount they are attempting to collect after the date the Judgement was placed in court which was XXXX XXXX XXXX and took the action of suspending my license without giving me an opportunity to make arrangments before the suspension. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Assigned Collector - XXXX XXXX XXXX
Consumer complaint received 2022-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

I have a bill pay to my landlord of XXXX for my rent on XX/XX/XXXX. From capital one that was taking from my account but my landlord never received it. He semt me proof. His bank statement. So I call the bank and they say they will send me info on where the XXXX went. Still haven't received it and I have requested this 6 times as well as a mail documents to my home address. This has been going on long enough I am getting XXXX  in 10 days if this isn't resolved. Capital one can't and will not send me proof that this XXXX was deposited into his account. Which I know it was not he sent me his bank statement. Something funny going on here. I need answers now. I am going to call my legal advisor next. Thanks
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I reviewed my consumer report and noticed that I had several different late payments on each of my credit accounts that i was never late for. Also the Account shows different balances. The consumer agencies have assumed a vital role and have a responsibility to report consumer information to the best of there abilities with maxium accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on date of XX/XX/24. Please investigate and provide proof with statements showing that these payment were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attahed.
Consumer complaint received 2022-07-26
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. (MD)

in accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # 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 2024-03-05
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. (MD)

ROUNDIm submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the

fraudulent account in my report and found that I need to visit the FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the removal of the erroneous information that is being posted to my report.

Here is the list of account that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance : {$11000.00}
Consumer complaint received 2022-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2021-04-14
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: COOLEY ENTERPRISES INC (TX)

Had a total loss. The Gap insurance coverage required from me to obtain a copy of the ELO Connected and Protected agreement. Which I had to obtain directly from the office were I financed the vehicle. 
They were not able to assist me stating they do not house those agreement and it's been almost two years since I financed the car. 
They gave my a contact name of XXXX XXXX at XXXX. 
XXXX. 
I called her XX/XX/2021. She answered and said she would get me the agreement. 
I have followed up with her several times and even the finance office again and as of today XX/XX/2021 I have yet to receive a copy of the agreement. 

This is causing my total loss to be delayed and is damaging my credit score.
Consumer complaint received 2019-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A. (IL)

PNC reported me past due 30 days in XX/XX/XXXX. Call was placed and matter was corrected. Past due status was corrected shortly thereafter and late pay was removed. Two months later, PNC once again reported me past due to all 3 credit bureaus. Balance has since been paid out entirely. Reporting should be corrected as it has lowered my credit score significantly.