davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-07
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2019-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

My name is XXXX XXXX, On XX/XX/2019 my daughter XXXX XXXX account was compromised and fraudulent checks where deposited in XXXX XXXX, CA and then some one withdrew the money in XXXX XXXX, CA but XXXX XXXX was in XXXX, CA. A claim was filed with chase but chase denied the claim saying the theft was my daughters fault and then proceeded to take {$1800.00} dollars from 4 different accounts belonging to myself, XXXX XXXX, and XXXX XXXX to bring XXXX XXXX account to XXXX and left 3 accounts in a negative balance. These accounts then in turn where hit with numerous overdraft fees. We tried a second time to file a claim again do to my daughters card being stolen but again chase has denied the clam. These where clearly bogus checks and they even misspelled my daughters name on the withdraw slip but chase sill let the money be withdraws and wont return our funds. We have a police report filed and still chase is not helping us in this fraud matter. Chase has done nothing to assist and has ran us around for 2 months and does not return our call on the matter.

All account are under the Parent account XXXX XXXX and I have access to all account mentioned.
Consumer complaint received 2018-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (MO)

In the spring of 2016 I joined a gym called XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX. In XXXX timeframe I made several attempts to contact the owner by phone and at the gym. I needed to cancel my membership due to the loss of my husband from XXXX and the fact I was moving back to Missouri. The contract said they needed a 30 day notice and I was giving them 60 days notice. I could not under any circumstances catch up with the owner by phone or at the gym. He would NEVER return my calls. So, in XX/XX/XXXX I put my gym key and a note in an envelope and left it at the gym on his desk. On XX/XX/XXXX I moved 455 miles away from XXXX XXXX XXXX  to XXXX XXXX. I assumed he had cancelled my membership. The end of XX/XX/ I was charged once again on my credit card for the membership fee. I called my Credit Card company, XXXX to dispute the charges. I told Barkleycardus do NOT pay any charges to this business. My membership was cancelled and by key was returned. A few days later the owner, whom I still do not know his name, called me and proceeded to cuss me out, threaten me, and told me he was suing me. I called my attorney who said he had no grounds for anything. I told my credit card company to not pay any charges to this business and thought it was taken care of. I have since found out that even though this man knew I was 455 miles away he continued to bill my credit card company and they continued to pay him to the tune of over 500 dollars plus 9.5 % interest. Now my credit card company wants me to pay them even though this gym committed fraud and basically stole from me. I filed a complaint with the XXXX  of XXXX and he started emailing me. Nasty as usual and then tells me he has suspended my account. I had to cancel my credit card so he could not make any further charges on this card. Also, when I signed up for this service his son made the remark that I wouldn't believe how many people sign up and never use the service and they just collect the money. This man is running a scam. He is a thief and he knew in XX/XX/XXXX I was in XXXX  and he knew I had cancelled my membership but he continually charged my card. My problem was not going over my statement. I always had a balance so I never picked up on the XXXX bucks a month he was hitting me for. Some months he even charged me XXXX dollars. I was furious with my credit card company for paying when I told them not to and for him just bluntly committing fraud. XXXX KNEW they were suppose to stop any and all payments submitted by XXXX XXXX XXXX XXXX XXXX. However, they continued to pay his charges knowing the membership was cancelled and knowing I was living in another state.
Consumer complaint received 2023-02-07
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: LEXISNEXIS (MD)

After numerous attempts to contact Lexis Nexis to resolve this issue, they are simply sending automated responses and closing my XXXX  cases as well. So, now I am sending in my cease and desist letter to them. Lexis Nexis is improperly reporting information that is harming me from obtaining financial products. Lexis Nexis sends the same automated response that they obtained information about me from PACER or from the courthouse. I have verified with both the courthouse and PACER and each of them states that they don't provide information to third-party agencies or credit bureaus. I'm attaching proof as well. So, I am sending the cease and desist, since Lexis Nexis is continually misrepresenting me and causing me a great deal of financial distress. DO NOT CLOSE THIS AS A DUPLICATE CASE, AS THIS IS A CEASE AND DESIST. 

I have uploaded the CEASE AND DESIST letter, my license, power bill, and letters from PACER, and the courthouse. Lexis Nexis, you have enough information to identify me now. 

Thank you, XXXX XXXX
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (TX)

Freedom Mortgage currently actively and incorrectly reports late payments, althought the account was paid on time, and the house was sold in XXXX of 2019. They also charged junk fees like a property inspection fees, which I never agreed to.
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you.
Consumer complaint received 2018-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I applied for USAA XXXX credit card on XX/XX/XXXX by telephone. I was responding to an email marketing/invitation from USAA for the credit card. The representative told that a further evaluation needed to done with my application and that I would have to wait a couple of days for their decision. Subsequently, USAA stated that they would need additional identification from me to establish confirmation that I was who was making the application. I emailed the requested four items of identification ( driver 's license ( front and back ), social security card, copy of my military XXXX and recent utility bill showing residency ) to USAA on XX/XX/XXXX and I received a receipt confirmation email from USAA the same day. 

I attempt several times to follow-up with USAA regarding the status of my application by telephone and even wrote an email to their " XXXX '' addressing the situation on XX/XX/XXXX. I got no response to the email sent. XX/XX/XXXX I received a postal letter, dated XX/XX/XXXX, from USAA stating that my application was declined because " Unable to verify applicant 's identity ''.
Consumer complaint received 2021-07-14
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC (TX)

I spoke with a supposed manager name XXXX XXXX in which I explained to her that her collector violated the fdcpa by not verifying who she was truly speaking with by law you can not verify a consumers identity by address alone she must verify a consumer by the last 4 numbers of there social security number. At any address there may be multiple people with same name. There may be a junior or senior with the same name and sometimes a father and son may have the same name and not be a senior and junior. The representative then said she will give me the last 2 numbers of my ss # and gave me XXXX as the last 2 numbers and asked me for the preceding 2 numbers I refused and she gave them to me instead and divulged all my info without a proper verification. XXXX XXXX reviewed the notes on the file and the representative improperly notated account as well a second violation of the fdcpa. I was supposed to receive a call back from XXXX XXXX days ago after speaking to her manager and never received that call ... I have called in 5 times today and asked to speak with XXXX XXXX and several people in your organization all said they were managers. At this time I will be making a complaint with the FTC and the Secretary of State and contacting an Attorney to file suite
Consumer complaint received 2021-02-28
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. (SC)

I sent a Certified Dispute Letter to Transunion ( Tracking # XXXX ) and it was received on XX/XX/2021. 30 days have passed and I haven't received any response from Transunion. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Consumer complaint received 2018-02-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

I oppened a Coinbase account on XX/XX/XXXX with {$1000.00}.

Then I activated my XXXX   account through them and transferred {$2100.00} and then on XX/XX/XXXX {$250.00}.

I made some purchases and sales of ETH and BTC On XX/XX/XXXX I purchased {$640.00} worth of Bictoin for a total of XXXX BTC ( Priced at {$6400.00} ) and left around {$1000.00} USD available to trade ; However, on XX/XX/XXXX my account was restricted, I contacted XXXX on XX/XX/XXXX and I received a message that my issue was being escalated, on XX/XX/XXXX I was asked to submit my ID again, which I successfully did, but still did not work, on XX/XX/XXXX I got an email that the issue was still being escalated with an specialist but still nothing, it has been more than 2 months with my account restricted and my funds not released.

I am glad I have printed history transactions to back up my transactions.
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX {$310.00} XXXX XXXX XXXX {$520.00}
Consumer complaint received 2018-02-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

I have been making payments to Navient for a settlement that was agreed upon by both parties. I have paid $ XXXX/ month for a while now. Navient sent me a letter agreeing that I would only have to pay $ XXXX/month until XX/XX/2018. At that point my settlement would have been made and I would no longer owe anything. Now I just made my last two payments and they are telling me I still owe them {$2600.00} towards my settlement. Yet, I have had multiple conversations and letters sent proving I should be done. I am extremely upset. I was under the impression for a long time now that I was going to be done. I was so excited and now I am having a bunch of issues. This is unacceptable and I do not think I should have to pay another cent. Especially since there is a lawsuit out against the company right now for false information and all sorts of issues with their lenders.
Consumer complaint received 2018-02-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NY)

I did a promo with home depot with 6 months no interest rate, didn't know I had to pay the whole balance in order to get the promo, now they hit me with an outrageous interest rate because I didn't pay within 6 months please help with the outrageous add-on interest rate charge
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. I HAVE NO KNOWLEDGE OF THESE ACCOUNTS OPENING WHAT SO EVER. I HAVE NOT SENT ANY PERSONALS STATEMENTS INTO YOU GUYS STATING THAT I AGREED TO THE HAVING INFORMATION BLOCKED IN ERROR OR THAT I AGREED TO THE ACCOUNT BEING OPENED. THE ACCOUNT IS FRAUDULENT. and further litigation will follow if accounts are not deleted.
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma (GA)

Credit Karma says you are approved for a credit card, personal loan, and it will help your credit score. It doesn't help you or your credit score. It damages it. I made a complaint to Credit Karma in reference to this matter. They failed to respond to my complaint. I joined credit karma to build my credit, an the score. But everytime someone looked at my credit, my score would go down by XXXX or XXXX points. They use deceptive wording to draw you into applying for a credit card or loan.
Consumer complaint received 2018-02-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Began disputing these accounts as in violation of the provisions of the FCRA and the FDCPA in XX/XX/2017. 

XXXX XXXX XXXX XXXX ( Settled Account ( s ) ) Bank of America ( Settled Account ( s ) )
Consumer complaint received 2021-07-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-02-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF HAWAII CORPORATION (HI)

On XXXX XXXX, my checking account was charged XXXX by my bank ( bank of Hawaii ) for a nondescript service encl fee. The same charge was made to my account on XXXX, and the bank would not allow me to file a dispute. I would appreciate it if you could help bring closure to this by helping me recover the lost funds. Its not fair for banks to charge customers random service fees during the height of the covid-19 pandemic.
Consumer complaint received 2020-04-30
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (FL)

I am currently trying to refinance my original mortgage with a new company and being approved the company has tried to get my payoff amount from the original mortgage company. The original mortgage was a HAMP. When I received the payoff, it went from {$100000.00} to {$120000.00} of which {$20000.00} was charged for " shared modification appreciation ''. I was not told at the time of the payoff request that they would take into consideration any improvements done to the property and reduce the " shared modification appreciation '' amount. I spoke with the company and was told if I sent all the documentation showing expenses incurred for improvement on the property, they would take this into consideration and reduce the amount of the appreciation. I sent everything in on XX/XX/XXXX and have been waiting to hear from them ever since. In the meantime, I had to postpone my closing with the new mortgage company since this is an important piece of information needed. I have been calling the original mortgage company at least 2-3 times per week requesting the new payoff amount and as of today I still do not have it. I am getting the runaround and need help to resolve this. 

The original mortgage company is XXXXPHH Mortgage Services XXXX XXXX  XXXXXXXX XXXX  XXXX, N.J. XXXX Contact person is Mr. XXXX - phone # XXXX - Option # XXXX - Extension XXXX Attention : Escalation Department General phone # XXXX
Consumer complaint received 2018-06-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (FL)

Remitly XXXX XX/XX/XXXX, send by app to XXXX XXXX US {$100.00} I never arrive. 
On day XXXX  call to cancel that transaction. 
On the XXXX and XXXX call to inquire about the cancellation and the return of my money. They do not explain anything On XX/XX/XXXX, they take from my checking account the amount of USXXXX without authorization. 
They do not explain the why of that.
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The disputed account is XXXX , XXXX. XXXX ACCT. NO.XXXX.A default judgment is appearing as a collection account on XXXX, TRANSUNION AND XXXX.It is appearing as a collection perhaps to avoid properly displaying as a public record due to AGREEMENTS BETWEEN CREDIT BUREAUS AND STATES ATTORNEYS GENERAL enacted in recent years.In addition, the DATE OF 1ST DELINQUENCY has been re-aged, another FCRA clear violation.The DOFD coincides with the date of judgment entered ( attached court record ) which is impossible considering the nature of the debt, ie : back rent.The delinquency of the debt was many months prior to the stated DOFD.All 3 bureaus, following numerous disputes permit a false, re-aged date of 1st delinquency and permit a miscategorization of debt, and allow these inaccuracies to fly in the face of their ATTORNEYS GENERAL AGREEMENT creating a loophole for the ACCURACY AND COMPLETENESS of reporting demanded by the FCRA
Consumer complaint received 2023-02-07
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-10-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP (CA)

US Bank had the wrong phone contact and never sent me anything notifying me of a late payment. The first notification was from a paid credit protection service notifying me of two thirty day late payments. My credit score was XXXX prior to this event and has been severely impacted. This was not due to may ability or willingness to pay but rather due to poor customer communication. 
I have made numerous attempts to contact them and submit documentation but the means of contact via fax number they provided have been unsuccessful. 
I am also not receiving mailed documents from the bank that I requested. 
The initial issue stems from a documented theft involving my personal financial information. I had to deal with closing and re-opening several accounts. 
Also : I did receive a mailed document from US bank that may shed light on part of the problem. They are mailing documents that have shifting contents and the address does not show in she clear " address window '' if the envelope. 
Additionally, I have made numerous attempts to fax on multiple occasions and the fax line is busy and transmission does not go through. 
I have been assessed two 30 day late payments do to the banks unwillingness to provide clear communication to me as a customer. Had I been properly notified this would not have happened.