davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Dear Customer Service : Please be advised that I am disputing the following creditor which has placed the account in collection for XXXX : XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX I report identity fraud in 2019 with the police report, since XXXX has XXXX Management collecting on their behalf.
Consumer complaint received 2018-04-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: TD BANK US HOLDING COMPANY (NJ)

ON XX/XX/XXXX I ORDERED A XXXX XXXX XXXXXXXX ITEM # XXXX AND A 24 MONTH XXXX SUBSCRIPTION TOTAL XXXX ITEM WAS LOST IN TRANSIT COULD NOT BE FOUND I CANCELLED THE ORDER I WAS GIVEN A CANCELLATION # XXXX NOW I AM GETTING BILLED FOR THE FULL AMOUNT I TRIED CALLING XXXX FINANCING WHICH IS TD BANK THEY TOLD ME TO MAKE MY PAYMENTS ON TIME TILL THEY CAN STRAIGHTED THIS OUT WHY SHOULD I MAKE PAYMENTS ON SOMETHING I NEVER RECEIVED.
Consumer complaint received 2018-10-17
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (IN)

On XX/XX/XXXX, I was told by my lender, Loan Depot, that I was approved for Loan Mitigation and I would be receiving a statement with a lower payment. 
About a week later I received a letter form loan Depot denying my mitigation due to not being with them for 12 months. 
I then contacted XXXX XXXX from XXXX XXXX XXXX, filled out there papers on line and sent them {$1000.00} on XX/XX/XXXX to fix this problem. I continued to get calls from Loan Depot and they heard nothing from XXXX. I realized it was a scam and did not pay them further. 
I called Loan Depot and explained what happened and we trued loan mitigation again. They would not accept any payments from me unless they were to pay the past due in full which was already {$7000.00}. 
I again was denied mitigated payment due to not being with Loan Depot for 12 months. 
I began a new process with XXXX XXXX XXXX XXXX her in Indiana. They have been tryin to help for over a year. 
I received a call about a month ago from the VA guarantor and they advised me they can not get any response from XXXX/Loan Depot concerning my loan. They have agreed to waive the 12 month requirement, but XXXX/Loan Depot will not respond the the VA. I was told by XXXX, that this is an ongoing problem with XXXX/Loan Depot. 
Now my house is going to Sheriff sale XX/XX/XXXX and I will have to file Bankruptcy. I do not believe that I have been treated fairly or justly from Loan Depot/XXXX.
Consumer complaint received 2022-06-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: West Realm Shires Services Inc. (CA)

On XX/XX/XXXX, I fell victim to a multilayer scam operation. I was introduced by a friend on XXXX to XXXX XXXX XXXX/, a crypto exchange platform. This is a link to her XXXX profile : XXXX XXXX XXXX % XXXX % XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Unfortunately, I have reported to XXXX and fraud FTC website , the scammer and the website, XXXX, has not been taken down. Then in late XX/XX/XXXX, I started to transfer my money from my bank account, XXXX XXXX XXXX, via XXXX and through XXXX named XXXX XXXX and FTX US in the total amount of {$36000.00} USD. The platform is just like any other crypto exchange platform, making me think it was legit back then. Then in XX/XX/XXXX, I was trying to withdraw some money from my account, and they rejected my request. Before I can withdraw my money, they want me to pay them the fund security management fee and taxes. From there, I realized I have been scammed and they never transferred.
Consumer complaint received 2019-08-29
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 (NJ)

I filed a complaint with CFPB in XXXX against American Express, since filing the complaint I only received phone calls from American Express requesting I make payment. None of the Amex callers were aware of my complaint or calling to follow-up with my complaint. To date I have not had contact with American Express regarding my account. Today I check my account to see if it is fixed and it now says my account is closed. I have been with Amex since 2000 and now it says my account is closed.
Consumer complaint received 2018-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

my name is XXXX XXXX XXXX XXXX my problem started when I find out that they where merge other ppl report on my  report with the same name my score drop because of this when I call they wont fix it and tell me that there sorry there nothing they can do why do i have to pay the price for there error
Consumer complaint received 2019-03-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

On XX/XX/XXXX I received correspondence from U.S. Dept of the Treasury that my my tax returned in the amount of {$3900.00} was intercepted by Navient - C/O XXXX XXXX Higher XXXX XXXX XXXX On XX/XX/XXXX I immediately contact the number listed ( XXXX ) XXXX. Since then I have spoken to several individuals who can't seem to understand why my income tax return was intercepted. This student loan was first taken out in XXXX and paid in full in XXXX. Since then I have been bullied and harassed by different collection agencies such as ( XXXX XXXX ; Navient ; XXXX and XXXX XXXX Higher XXXX XXXX. On several occasion I have requested from Navient and XXXX XXXX to provide me with a copy of the promissory note that I supposedly agreeing to for a loan consolidation. I have since then requested proof of this loan, the amount owed, the so called promissory note and have not yet received a response to my request. In XXXX they again intercepted my Tax Return which I argued and due to facing financial hardship requested they release my Tax Return. Navient pressured me into agreeing to enter into a forbearance in order to release my Tax Return. Also, as they so called it " place my loan on good standings until this loan was further investigated. Since XXXX I have received no correspondence, my numerous telephone calls have been dead ends. No documents have been provided to the legality of this so called loan. I am still waiting on Navient 's response. A class action law suit was filed against XXXX XXXX for which I received a post card and instructions that I would be entitled to reimbursement of part or all of my loan due to over-payments.
Consumer complaint received 2018-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (NJ)

I just received the XXXXBarclays Visa credit card that has a value proposition of 4 % back on restaurant spend. I got my first statement and noticed there are 4 separate transactions that did not appropriately apply the 4 % rewards. When i called customer service, they mentioned these merchants have the incorrect merchant codes and that is the root cause of the error. I asked if there is anything i can do to resolve this issue and we both determined it would be strange if i called the merchant and ask them to fix their merchant code. 

My complaint is based on the fact that XXXXBarclays does not have any mechanism/process to correct the merchant codes with their merchants. Also, when trying to request this as a formal complaint, they said they have no such thing. 

Losing rewards points is equivalent to losing cash and the fact that XXXXr/Barclays has no mechanism to ensure the consumer receives what was advertised is unacceptable. How do i know that they don't tell the merchant to setup their code as " miscellaneous '' at the point of credit card system setup?
Consumer complaint received 2019-03-25
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: Experian Information Solutions Inc. (CA)

On Saturday.XX/XX/XXXX I received a XXXX XXXX XX/XX/XXXX Credit Report and review it and it has many Unauthorize Inquiries in which I never gaved Authourization or Consent for no creditors to pull my credit neither Verbally or Written Consent. 

Also, XX/XX/XXXX hasn't updated and remove the Derogatory Remarks of XX/XX/XXXX XXXX XXXX and negatives from my credit Report. 
Also, Bankruptcy has to be removed as XXXX XX/XX/XXXX VA Loan was fraud, Corrupted with home purchase of Texas on XXXX XXXX and many Filed Federal Government Complaints was filed. 
US Senator XXXX XXXX has been contacted and I signed a Privacy Release for Federal Investigation and much more. 
US Department of Justice ADA Case # XXXX. filed also against XXXX XXXX XXXX on auto loan # XXXX was also included on Federal Complaints. 
I am XXXX XXXX and XXXX.and a US XXXX XXXX  Military Veteran. 

I respectfully marked all Derogatory remarks with Delete and check marks. 
Bankruptcy has to be deleted as Experian deleted the bankruptcy from my credit report.
Consumer complaint received 2019-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (NY)

I signed up for a Citi account through a promotion that offered a $XXXX bonus after 60 days for depositing $XXXX in new funds into a new checking account and an additional $XXXX for savings account. I satisfied this $XXXX  deposit requirement on XX/XX/XXXX. On XX/XX/XXXX I reduced the account balances to $XXXX   minimum required to avoid monthly fees. This is beyond the 60 day requirement for the $XXXX  deposited. I then received a strange notification about my *New* Citi account (now several months old) was then alerted that the required deposit balances were not met.When doing research it appears that this is a routine problem for Citibank customers - deceptive marketing to capture customers and trying to avoid paying these bonuses.
Consumer complaint received 2017-09-19
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CL Holdings LLC (NY)

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this account. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card. Thank you for your assistance
Consumer complaint received 2019-03-25
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. (CA)

On Saturday.XX/XX/XXXX I received a XX/XX/XXXX XXXX Credit Report and review it and it has many Unauthorize Inquiries in which I never gaved Authourization or Consent for no creditors to pull my credit neither Verbally or Written Consent. 

Also, XXXX hasn't updated and remove the Derogatory Remarks of XXXX XXXX XXXX and negatives from my credit Report. 
Also, Bankruptcy has to be removed as XXXXXXXX XXXX VA Loan was fraud, Corrupted with home purchase of Texas on XX/XX/XXXX and many Filed Federal Government Complaints was filed. 
US Senator XXXX XXXX has been contacted and I signed a Privacy Release for Federal Investigation and much more. 
US Department of Justice ADA Case # XXXX. filed also against XXXX XXXX XXXX on auto loan # XXXX was also included on Federal Complaints. 
I am XXXX XXXX and XXXX.and a XXXX XXXX XXXX Military Veteran. 

I respectfully marked all Derogatory remarks with Delete and check marks. 
Bankruptcy has to be deleted as XXXX deleted the bankruptcy from my credit report.
Consumer complaint received 2022-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Mailed dispute letter to TransUnion regarding unauthorized inquiries in my files. Moreover, filed dispute with furnishers of the disputed inquiries. Have not heard back from TransUnion or the furnishers of the disputed inquiries.
Consumer complaint received 2019-03-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (RI)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2019-08-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (MN)

I have student loans through Great Lakes Educational Loan Services. On XX/XX/2019, I submitted a custom payment ( on top of my monthly due of {$700.00} ) to pay off the balance of a loan ( token 25 ) in the amount of {$1100.00}. This money was misallocated and divided across my other loans. 

On XX/XX/XXXX, I tried to pay off the balance of Loan # 25 again, along with another loan ( token 19 ) in the amounts of {$650.00} ( for # 25 ) and {$280.00} ( for # 19 ). I have proof of these requests in my account, however, the payments were still missallocated and distributed to other loans. This is causing me a lot of stress as I want to pay off my loans and stop adding interest but they aren't allowing me to do that.
Consumer complaint received 2022-06-14
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: Experian Information Solutions Inc. (TX)

Experian, Has Fail To Remove An Fraudulently Reporting Account ( Southwestern Recovery ). 
FTC Report Was Provided, Experian Stated Report + Police Report Was Misrepresented. 
Contact Creditor To Advise Of Fraud Account And They Stated To Contact Credit Bureau. 

XXXX, Has Also Fail To Update Report For Fraudulently Reporting Account ( Southwestern Recovery ) As Of XXXX But Fraud Team Stated Request Was Update For Removal Last XX/XX/2022. 

XXXX, XXXX, Experian Has ALL Fail To Report Accuracies Of Creditor XXXX XXXX. 
XXXX, XXXX Reporting 30 Day Marking XXXX XXXX  - Payment Status Shows Payment Made Deferment/Extension Was Granted On Account Prior ; Supposedly 2 Extension That Cover Prior Month, So Payment Was Applied In Due Time. After Dispute + Documentation Was Provided. 

Experian, Has Fail To Update Creditor ( XXXX XXXX  ) Account Reporting After Dispute XXXX XXXX, Deleted XX/XX/2022, Added XX/XX/2022. XXXX Pmt Is NOT Due To Report Past Due Yet. Possible System Auto Error.
Consumer complaint received 2020-11-05
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: BARCLAYS BANK DELAWARE (CA)

Barclays Bank agreed in a phone call on XX/XX/2020 to reduce my outstanding credit card balance by 50 %. However they are continuing to send out statements and report to credit agencies an amount that does not reflect the 50 % reduction. I have previously reported this problem to CFPB wherein I asked under the freedom of information act to have a transcript of the phone call when this discount was agreed upon. When Barclays responded to CFPB about this matter and a Federal Conspiracy complaint their response ignored the said phone call. I responded to CFPB that the answers given by Barclays were not correct yet CFPB closed the complaint because Barclays responded. I can not understand why CFPB closed the complaint when obviously the matter has not been resolved. Please explain.
Consumer complaint received 2019-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (FL)

On XX/XX/2019, I was in XXXX XXXX XXXX, XXXX while returning to my hotel i got into a cab and then the driver proceeded the wrong way. Soon after he stopped and a second man entered the back seat and put a burlap sack over my head. Then took my belongings which were My I-phone, and Phone case which contained my Dr Lisc., Regions Bank Debit Card and XXXX  Credit Card . Then they drove around while accessing my phone via facial recognition getting into my accounts and asking me questions like passwords and pin numbers and how much money is in my accounts. After they were satisfied they drop me off on a random road about 30 min drive from my hotel. I then ran down the street looking for a gas station or somewhere to call my hotel ( XXXX XXXX XXXX XXXX XXXX ) at this point that's all i thought i could trust to pick me up. As i had no money or ID on me anymore. I found a gas station the worker was really helpful as he didn't speak any english but realize i was in distress and not from the area he let me use his cell phone and looked up the hotel phone number to call. Hotel picked me up and took me back upon reaching the manager on duty around XXXX XXXX was there and told me get some rest and when i wake up he would have the head of security ( business card attached ) to escort me to the police station and translate my story to them. ( XXXX Police report attached ) When able to gain internet access, I saw that my Regions account was emptied and cancelled my ATM card. 
I have repeatedly contacted Regions Bank but have only received two identical form letters ( attached ) as a response. Both letters denied my claim and stated " Transaction verified with your card credentials. Transaction passed fraud analysis '' I have requested further details as to why the claim was denied and discuss with a manager but have received no response after 3 phone attempts and one visit to a local branch Although the fraud was reported in less that 48 hrs. ( Regions email attached ) I have been unable to find anyone to help in resolving this issue.
Consumer complaint received 2019-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY (MD)

I have called XXXX many different times stating I have filed bankruptcy chapter XXXX which was discharged XX/XX/2018. XXXX XXXX foreign customer service representatives every time filed with the companies a dispute of ownership of the accounts. I contacted XXXX to advise I filed chapter XXXX bankruptcy which was discharged and to add the same to my credit report. I also advised the representatives that I was not disputing owing the monies. I gave the representatives from XXXX my bankruptcy case number, also. I am very frustrated with XXXX, hiring incompetent representatives. XXXX took care of my request immediately. The companies still showing monies on my XXXX   credit report are Wells Fargo Home Projects credit card for {$2400.00}, XXXX  XXXX XXXX credit card for {$1200.00}, XXXX XXXX XXXX credit card for {$430.00} and XXXX XXXX auto loan for {$9600.00}. Deletion of these accounts from my credit report is all I am requesting. Thank you.
Consumer complaint received 2019-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MI)

I tried today, XX/XX/2019, to place a credit freeze on my Equifax account. I completed the personal information online, and attempted to answer the security questions which were about accounts I MAY have opened 9-20 years ago. The system responded that it could not verify my identity. So I called Equifax, gave all my personal information again, and answered their security questions truthfully. The associate said that he could not verify my identity. He said that my responses did not match their information. I have noticed in the past when I check my credit reports that Equifax often has out-of-date or incorrect information. I never worried about it because the report was always positive anyway. However, this time I NEED to be able to freeze my account and can not due to the supposed " security questions ''. I had no trouble with the other two major credit reporting agencies. One I did easily by an automated phone system, and the other online by answering their questions easily. This is an urgent matter because a fraudster has my personal information.
Consumer complaint received 2020-06-04
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: EQUIFAX, INC. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 
CHAPTERXXXXBANKRUPTCYDISMISSED CHAPTERXXXXBANKRUPTCYDISCHARGED
Consumer complaint received 2022-10-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jon Barry and Associates, Inc. (OH)

I went to the hospital in XXXXXXXX XXXX 2021, XXXX XXXX XXXX XXXX. The only bill I received was for {$1100.00} and I paid online but most was paid my insurance. I never received a bill for XXXX , until a collection noticed came and I called and disputed and never heard from them again. Then it hit collection without notice and Ive been harassed by collection since it has hit, but Ive explained and sent this information I have in and still it sits in collections.