davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-23
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) (TX)

XXXX  still contains fraudulent addresses and fraudulent information on my XXXX   file. XXXX  was notified well over a year ago that I was a victim of identity theft. My ID was stolen, my wallet was stolen and I am a victim someone has used my identity without my permission to fraudulently apply for checking and savings accounts. These inquiries XXXX  has listed are fraudulent. XXXX  won't send me an updated copy of report knowing this is fraudulent. They are damaging my XXXX score because of the fraudulent information being reported. They have fraudulent addresses from XXXX and XXXX on there as well as from XXXX which i have never lived at. I live in XXXX and have for the past two years. I am providing a copy of my identity theft report below. I am requesting that the Fraudulent Inquiries be blocked immediately per my consumer right as I have already filed these with the police department. I am providing you with an affidavit. Please update my XXXX file to block the numerous duplicate applications you are allowing on my file causing inquiries. These include XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, - Which was already notified of the fraud and blocked it. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The fraudulent addresses are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Tx XXXX. XXXX XXXX XXXX XXXX, tx XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX. As well as XXXX XXXX Fraudulent inquiry. XXXX is fraudulent as well as XXXX XXXX XXXX XXXX.
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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit reporting act XXXX the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (FL)

To whom this may concern, I m contacting you guys in regards to a problem I'm having with Midland Funding LLC. 

I have contacted the company several time trying to pay the debt owe on my account from XXXX XXXX XXXX  ACCT # XXXX. 
Date XXXX XX/XX/XXXX Balance updated XX/XX/XXXX I don't recalled receiving a letter from this organization or it may have inadvertently got misplaced. 
I've been trying to pay and get some information in regards to my accounts and I'm been told that they don't have any information on file with my social security and my phone number. I was told that the company is updating file from Midland Funding LLC to Midland Credit. They should make provision so that I as a consumer should not affect me getting information regards to credit and also trying to resolved the issue. I was giving several phone # and spoke to several representative who did not help.I 'm trying to clean up my credit and I'm getting the run a run from the folks at Midland Funding and Midland Credit Management. I was also told that they can't help me if I don't have a MCM number and I trying to pay the balance owe so I can improved my credit rating. I have contacted there offices over ten times since yesterday and today with no answer.
Consumer complaint received 2019-03-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO. (OH)

I got charged {$24.00} in my Chase business account for 2 monthly service fees. I was told ( after they were already charged ) that this was because I did not have the required minimum balance. Yet, I had enough money as indicated by my average daily balance in my Checking account. Therefore, I would like refunds for these two fees.
Consumer complaint received 2022-10-20
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. (CA)

In accordance with the Fair Credit Reporting Act. The following account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX, Original Creditor ( XXXX XXXX XXXX XXXX ). 15 U.S CODE 1681 section 602 A. States I have the right to privacy. 15 U.S CODE 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written permission This collection dose n't belong to me and it is only reported on Equifax as the other 2 bureaus have already removed it.
Consumer complaint received 2021-12-09
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (MN)

In XX/XX/2021 I attempted to use my US Bank XXXX that was given to me via XXXX XXXX XXXX XXXX. My card was declined and upon calling customer support, I was informed my account was " restricted '' due to " suspicious activity ''. I asked what activity was suspicious and they could not provide me with any details. In order to unlock my card I needed to submit my ID front and back along with a selfie using the self-service portal verify.usbank.com. I have submitted the requested documents numerous times and they claim to never received them. Another time I submitted the documents they claimed they could not read the documents. Not being successful I asked another way to verify and I've received conflicting statements as to whether I can send a fax to verify my identity. One representative says there is a note on my account that specifically says my account can not verify via fax but yet they say they have received past documents but that they were unreadable. I went as far as to getting a whole new ID, had the librarian help me scan the document enlarge by 200X and lighten 2 shades and fax to the number 3 separate representatives provided upon my request. This last time I faxed the document they again said they could not read the document again. This has been an ongoing headache and nightmare as the account in question is where my child support payments are loaded to. It has been XXXX months and I have XXXX month worth of payments I have no access to and have been having problems making ends meet. The quality of my ID is brand new. It's not going to get any better than following very close to the instructions they give I have completed what they ask but they continue to insist they can not verify my identity. I requested to speak to the senior representative and he says he has the authority to handle my case, and I asked what on my ID he could not read. He did not know but said the document verification department is the one who says it's verified or not. I asked him to look at it to see what can't he read but he said he doesn't have access to 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: EQUIFAX, INC. (FL)

I contacted XXXX, Equifax and XXXX to dispute several things on my credit report that are fraud. Ive also filed a report about my identity being stolen and they still wouldnt help. They refuse to remove these fraudulent accounts from my credit profile. 
The accounts are listed below XXXX XXXX for {$2600.00} XXXX XXXX For {$850.00} XXXX XXXX for {$450.00} XXXX XXXX for {$2700.00} XXXX XXXX  for {$730.00} None of these accounts are mine and the credit bureaus have been no help in getting them removed. I have repeatedly disputed them and nothing has happened.
Consumer complaint received 2019-03-23
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: Colony Brands, Inc. (AR)

XXXX AND COLONY BRANDS, XXXX, XXXX XXXXXXXX, GINNYS, XXXX XXXX ARE FALSLY REPORTING ON XXXX.
Consumer complaint received 2019-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (TX)

USBANK Home Mortgage PMI Disclosure letter states that my PMI will " automatically terminate when my Scheduled LTV reaches 78 %. I am at 76 %. I called and they say I have to have an appraisal that I must pay. HOW IS THAT AUTOMATIC? Automatic implies by definition that NO ACTION on my part would be required. No Letter, no phone calls, no appraisals, no fees, etc. 

This Annual PMI Disclosure was included on the back page of my mortgage statement. In their own words. It does not list any qualifiers. When I called to discuss this ... they gave the run around on the phone. That I need an appraiser to come to my home, inside my home, ( i would need to take time off of work to meet them ) and I would have to pay for this out of my own pocket. 

Again, this is not AUTOMATIC. They even site " The Homeowners Act of 1998 ''
Consumer complaint received 2019-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

XXXX XXXX XX/XX/XXXX {$9700.00} XXXX XXXX XX/XX/XXXX {$9300.00} XXXX XXXX XX/XX/XXXX {$5900.00} XXXX XXXX XX/XX/XXXX {$5200.00} XXXX XXXX XX/XX/XXXX {$4200.00} XXXX XXXX XX/XX/XXXX {$4200.00} XXXX XXXX   XX/XX/XXXX {$3400.00} XXXX XXXX XX/XX/XXXX {$3200.00} XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XX/XX/XXXX {$870.00} XXXX XXXX had a lawsuit in XX/XX/XXXX. 
The for-profit company that operates XXXX XXXX Colleges in XXXX, XXXX and XXXX has agreed to reform its recruiting and enrollment practices and forgive more than {$4.00} million in loans for XXXX former XXXX students.Kentucky Attorney General XXXX XXXX and other attorneys general Monday announced a settlement in which XXXX XXXX XXXX will forgive {$100.00} million in outstanding loan debt held by more than XXXX former students. 

The state and federal settlement with one of the nation 's largest for-profit college chains resolves allegations it defrauded taxpayers out of {$11.00} billion. 

The agreement is expected to provide an average of {$1300.00} per student in loan forgiveness. 

*Indiana Attorney General XXXX XXXX XXXX the deal will provide {$5.00} million in loan forgiveness to XXXX XXXX students of XXXX XXXX College and XXXX XXXX XXXX, i also did not receive my {$1300.00}. Due to this sallie mae closed my accounts but did not remove them. I would like them removed also
Consumer complaint received 2019-03-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TCF NATIONAL BANK (MN)

We filed a complaint with you in the past and you threw us under the bus. Now I see you have sued TCF bank and won. You helped numerous people with similar experiences with Tcf bank. This is our newest complaint as we are victims of a predatory loan and have been charged over XXXX in late fees. We alerted you many years ago when the housing crisis first broke. Tcf uses late fees to their advantage when we Apply for a new long with another institution try to move our loan to another institution. Tcf call the bank BMO only to say we were 30 day late which was a lie it stopped us from getting refinanced and we were told they sent our payment to the wrong department and only to remove it later They report it to the creditors to stop us from getting a loan then remove it once our loan don't go through with the other institutions. Our loan is not serviceable and tcf is holding us hostage by adding on late fees that cant be proven.we never heard back please update us on what you found out and what action you took XXXX and XXXX XXXX filed against TCFBank never heard back. We do believe that we have been distriminate against Because of our race please help us.
Consumer complaint received 2022-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022, I made a payment to my gardener of {$370.00} via XXXX from my Chase Bank account app. The money was never received. My local bank branch manager and the recipient have verified to my satisfaction that he never received the money in his XXXX XXXX XXXX account. He is also missing another payment from Chase made by a neighbor of mine, ( now deceased. ) Chase has refused to credit the money stating that everything is normal from their end. XXXX XXXX XXXX refuses to help because their institution never received the money. I can not talk with XXXX because they will nor respond to queries or complaints unless you used the XXXX app. My bank manager has verified with a XXXX  XXXX XXXX bank manager that the money was not received. Chase refuses to help me further, stating that their data shows the money was received, and that they can not contact XXXX to work on the problem. XXXX appears to be particularly opaque in their handling of other people 's money, not answerable to anybody if a mistake occurs. I am concerned that money is being siphoned off fraudulently in these transactions in small amounts, but Chase is unconcerned and XXXX is unreachable. 
The transaction number for the missing money is XXXX
Consumer complaint received 2019-03-23
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: EQUIFAX, INC. (FL)

On XXXX/XXXX I submitted certified letters to all 3 credit bureaus ( Equifax, XXXX, XXXX ). I disputed numerous inaccurate trade lines on my account. I requested that they verify all items and provide me with documentation. After the first attempt no changes were made. I then submitted another certified letter to them again on XX/XX/XXXX. This letter was again in dispute of inaccurate reported tradelines. I requested they be verified and original documentation be provided to me. This request again was not completed. I then sent them a third request via certified mail on XX/XX/XXXX restating the purpose of the letter was to manually investigate all items listed. They responded once again that they are making no changes and that all information was verified. Yet again my request for manual verification was completely ignored. I sent them one final 4th request on XX/XX/XXXX again by certified mail, restating for the 4th the items that needed to be verified or removed along with the the method, the name, and of course the original contracts that were signed with my signature. This final attempt was again ignored and not corrected. I have a copy of all certified and notarized letters, along with receipts of the sent letters. This needs to be completed and fixed and all items removed.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As a federally protected consumer, I am now opting out any and all authorizations. I, the consumer may have given you written, unwritten, verbal and non-verbally I am rescinding per 15 U.S Code 6802-6805 and is effective immediately and indefinitely. All Collections and Charge-Off is considered a certificate of indebtedness, meaning it is income and must be removed. It is illegal to report transaction history according to the IRS publication. I never authorized any company to share my private information with any third-party agencies and it is violation of my privacy rights under the Privacy Act of 1974.
Consumer complaint received 2021-12-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (FL)

I have been stuck with MyFedLoan ( PHEAA ) for a few years now as they are the only servicer dealing with PSFL qualifying payments. I should have put a lot of that in quotes for dramatic effect, as they have no idea what they are doing. Besides them being months behind on my employment verification ( a form I might add that is exactly 1 double-sided page ) and completely incapable of answering my questions, their records are incorrect.

I have been paying my 8 federal loans for nearly a decade now and they have all been paid at the same time. Yet, 4 of my loans are " missing '' a payment while the other 4 do not ; I don't know how payments made at the same time can be half-counted. Despite PHEAA 's wildly inaccurate payment count, I *know* that my XXXX payment will be made in XX/XX/XXXX or XX/XX/XXXX ( depending on the " missing '' 4 payments ). This happens to coincide with the planned departure of PHEAA from the federal loan servicing market -- literally, XX/XX/XXXX is the last month they are currently contracted to service my type of loans. 

I have absolutely done the right thing. I chose a career in public service ( before the PSLF law was even passed ), paid my taxes every year, made ALL of my payments on-time and in-full, and have submitted all the correct forms when required. XXXX XXXX never jumped through as many flaming hoops as I have! I am the ideal, textbook, PSLF-qualifying participant and yet I just know PHEAA and the Federal government are just going to mess this up.
Consumer complaint received 2019-03-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: DLC, LLC (NV)

I took out a loan with XXXX XXXX XXXX and had an issue with the payment process and interest/fees. I am having issues paying it back on the schedule they requested. I've made monthly payments, but they have not agreed to any arrangement for me that will work for my pay schedule. I have paid hundreds of dollars in interest and they've never contacted me via phone about a repayment plan, but just sent a letter. They're saying {$230.00} is due on my account when the loan was less last month and I made {$100.00} of a payment. I can not afford any late fees or interest on this loan and can only manage to pay it off if there's no other fees other than the fees they've charged me, which have been over {$400.00} thus far. This was a predatory loan and their business practices have harmed me financially.
Consumer complaint received 2019-03-23
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Performant Financial Corporation (CA)

This company called from phone number XXXX. They called my girlfriend, my girlfriend 's Dad, my girlfriend 's Mom, my Dad and my girlfriend 's office so far ( and possibly more that I do not know about ). They are harassing everyone that I know with phone calls asking for my personal information. I have not received a letter with any information about this " debt '' and there is nothing listed on my credit report.
Consumer complaint received 2019-03-23
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: ID Analytics, Inc. (GA)

This is a writter request to block information in my credit file that is fraudulent, my identity has been compromise in pass data breaches, I have account in my file that do not belong to me. Please block these account, I have follow the steps and filed an FTC complaint that is attach to this report. Thank you.
Consumer complaint received 2019-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Judgement was placed from XXXX XXXX XXXX  for a proposed loan that exceeded the federal time limit. I requested proof and nothing was provided. Currently judgement is on my credit damaging my credit score.
Consumer complaint received 2019-03-23
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: Innovis (GA)

This is a writter request to block information in my credit file that is fraudulent, my identity has been compromise in pass data breaches, I have account in my file that do not belong to me. Please block these account, I have follow the steps and filed an FTC complaint that is attach to this report. Thank you.
Consumer complaint received 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

My XXXX and Equifax credit scores plummeted due to multiple balance increases. I called XXXX to see why this has happened and the woman said it shouldnt have and to file a dispute. Attached are the screenshots of the changes on both credit reports.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contacted XXXX, XXXX and Transunion to dispute several things on my credit report that are fraud. Ive also filed a report about my identity being stolen and they still wouldnt help. They refuse to remove these fraudulent accounts from my credit profile. 
The accounts are listed below XXXX XXXX for {$2600.00} XXXX XXXX For {$850.00} XXXX XXXX for {$450.00} XXXX XXXX for {$2700.00} XXXX XXXX for {$730.00} None of these accounts are mine and the credit bureaus have been no help in getting them removed. I have repeatedly disputed them and nothing has happened.