davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-09
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mortgage Research Center, LLC (FL)

After several months of diligently working to find a home loan for the area that I am technically unable to move from due to custody of a divorce. Was giving the run around. Asked to put money down to show good faith. They requested for {$1000.00}. I was then asked for an additional {$4000.00} then {$5000.00}. I ended up making sure by date of closing if more money was required down, even throughout k was prepaid to pay it. I was not giving that much out of this process. Instead I was labeled lazy and told I needed to go to work and that I was not honest. The loan officer about being honest to the particular I am a disabled veteran who recently required surgery unexpectedly on left leg. I was told by the loan officer, XXXX XXXX and XXXX XXXX backed each other up and refuted to if I went to work I could own a house. In addition, made comment about my sister who I helped in 2014 battle XXXX. She had zero health or burial insurance. I used a credit card with that were paid off but was subjecting me to a monthly fee after writing XXXX XXXX about the issue each time. There were disputes because the debt was satisfied and no proving information that stated any different. I disputed all three of the these allegedly made accounts and favor was giving after making complaint using credit karma where I get message about erroneous made attempt via a collection agency that XXXX somehow took one account and made it split 3different times. Again, I disputed via XXXX XXXX, and was relieved with a posting of zero owed. But, nevertheless it shows zero with a derogatory lingering entitlement. Had I known sooner I could have did better with what was being shared unknowingly. I was educated and kept up to date thanks to XXXX XXXX.
Consumer complaint received 2021-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (FL)

My debit card was compromised and I reached out to Regions bank to cancel the card and send a new. Once the new card arrived, I activated and locked it. While the debit card is locked, unauthorized charges are going through on my account. Each transaction, be it big or small, Regions charged me {$36.00}. So within a short period of time, Ive amassed close to {$200.00} in OD fees. I reached out to Regions to see if I could get some of the fees waived because its extremely expensive and everyone is having a hard time amidst this global pandemic. These transactions were unauthorized and regions is refusing to waive any of the fees.
Consumer complaint received 2022-04-26
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. (FL)

In accordance with the Fair credit report act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

To whom it may concern i have a huge problem with experian. There is a lot of fraud on there. I have called these companies to try and understand how all this happened. I have a bunch of hard inquires which i will show you the pictures it says 11 hard pulls. I honestly have not made more than 2. XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX. all of these companies and any other companies shown in my picture is not accurate and not authorized by me. Had to be fraud. the only thing on there i know i got my credit ran by was XXXX is the only thing accurate that i can see in terms of hard pulls. Speaking of XXXX they gave me a late fee which they had said they would remove due to covid as i had been a 10+ year customer of there's. It has still yet to come of unsure as to why. i should only have 1 hard inquiry. Thank you.
Consumer complaint received 2020-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (AL)

My husband passed away XX/XX/XXXX. I was told by our credit monitoring personnel that I needed to freeze my husbands credit in order to cancel his credit monitoring account. I wrote a letter to Equifax and mailed the letter XX/XX/XXXX. This letter had all our personal information either attached to it or in the body of the letter. Included were copies of my husbands death certificate, my drivers license, my husbands drivers license. In the letter I gave both our social security numbers, dates of birth, and address. I did call Equifax to verify the correct P.O. Box to send this to. In XX/XX/XXXX, I had not heard from Equifax, so I called and talked to a customer service person who told me there is no record of receipt of my letter or attachments notifying of my husbands death. I am really afraid to mail another letter even if it goes Certified mail. I was told the only way they will accept this notice of my husbands death is by mail. I believe my letter and all our personal information is either lost in the mail or received by Equifax and is sitting on someones desk. I did receive a copy of my credit report and put a freeze on my own credit during my XX/XX/XXXX phone call.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

After careful reviewing my credit report, i noticed accounts which are not mine. 
I have never applied for these creditors, i don't have any contracts where is my signature on with these companies. 
I believe, that someone stole my personal information, i applied for police report.
Consumer complaint received 2021-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (GA)

Hello Discover Bank closed my account because of information they claim they couldnt verify. Which was a previous address. I learned my rights and pointed out to them violations and informed them I wanted to exercise my right to rescind because of the unfair and deceptive actions they have taken against me. Discover was sending me statements saying I owe a debt and took part in unauthorized use of my credit card. Without my written consent gave my information to credit reporting agencies and wont delete my information from those agencies or there system. They informed me that by law they have to keep my information and credit card on file. 
Thank you for your time in this matter.
Consumer complaint received 2021-04-23
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Neighborhood Capital Funding, Inc. (IA)

My wife and I have a home built by XXXX XXXX XXXXXXXX. Everything with our mortgage was through the office in XXXX XXXX, IA where we have paid our mortgage since XXXX. In XXXX of XXXX we received a letter from Affiliate mortgage services. The letter stated that they were our new loan holder. We called XXXX XXXX XXXX XXXX XXXX and was told by XXXX XXXX that they hired XXXX to do the book keeping. This is when our issues started. Right away we started getting letters ( Every Week ) stating that we were in default. We tried reaching out to XXXX with no success. It was everything from the name not being on the account, name was wrong, not authorized to speak to us, etc. They put forced placed insurance on us in XXXX without talking to us ( We have had XXXX XXXX for years and are completely up to date ). Then sent our insurance company a letter stating that they would be taking over our insurance. This resulted in three months going by with no payments made. We had to catch up last month ( Over {$700.00} to get current ) for the payments missed by XXXX. We are also receiving letters saying we are in default. Letters stating everything from {$95.00} to {$1800.00} behind. We are actually paid in advance by almost seven months. We have sent copies of all checks sent to XXXX by our bank ( We make our mortgage payments every two weeks directly form our bank account ) Bank records were sent to XXXX by our bank and us. Now habitat for humanity has disaffiliated the XXXX XXXX office in XXXX XXXX due to their numerous issues. We are being told that the XXXX XXXX office chose to keep their assets? Now today we just received another call from XXXX telling us that we are in default. I tried to explain the issue but was hung up on by XXXX. I called back and was told that they will call us if they can not get everything straight. We are not in default. Our lawyer noticed that they have put forced place insurance on us again and recalculated our escrow to be more than our mortgage payment. We have paid our own insurance since the beginning. We have documentation showing this. We are up to date with our payments for insurance, mortgage, taxes, etc. We have our bank records to show this as well. All of our payments are sent directly from our bank. Our lawyer suggested contacting you for help. Please give us a call so we can explain everything in greater detail Thank you, XXXX
Consumer complaint received 2021-04-09
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: EQUIFAX, INC. (IL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX  days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section XXXX ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over XXXX  days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2020-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (CA)

I have a high balance with my Chase credit card, for which they charge me 27.4 % interest. Today ( XX/XX/XXXX ) I tried to register for Covid-19 relief assistance with them, hoping to stop paying so much interest until I am again employed. 
They do not offer any such option, instead giving this draconian " relief : '' " Keep making your payments if you can. We'll continue to charge interest according to the terms of your account ... we'll consider your payment history ... and may cancel or restrict available credit lines. '' It appears their ONLY offer is to delay your payments or to lower or restrict your credit lines?? Neither of these things is remotely helpful when you have no income coming in, and in fact they are both extremely harmful. Payments need to be reduced, the astronomical interest rate needs to be suspended, other arrangements need to be considered. 
But Chase does not offer any help in those areas.
Consumer complaint received 2020-07-23
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: Experian Information Solutions Inc. (NY)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2021-06-04
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. (NJ)

I am an identity theft victim and I have absolutely no knowledge of the alleged debts listed on your website. I am an eyewitness the information is incorrect and I demand the validation of all debts alleged to be mine listed on your website. I have attached a copy of an identity theft report filed with the Federal Trade Center and demand you cease and desist from the presentment of all information alleged to be mine in order to avoid any possible liable for the identity theft or data breach of personal information. I require a fraud alert on my account and all visible information completely blocked and deleted upon forwarding of the identity theft report and this affidavit of truth to any alleged creditor. All creditors must be aware that if they were eyewitnesses to their allegations, then they must know who stole my identity and possibly conspired with the individual to steal my identity and attempt to hold me to fraudulent/unenforceable contracts which an entity can not be an eyewitness to unless using deceptive practices in and affecting commerce. In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors. I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent and the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so, I am sure the removal of my information from your website will ensure my privacy rights wont be violated again due to my lack of consent and unrebutted affidavit of truth being serviced to you today and therefore, standing as truth in commerce. ** I am not a debtor. I am a Secured Party Creditor that DISCHARGES ALL DEBTS PURSUANT TO 73RD CONGRESS. SESS 1. CHS. 48 49. 
XX/XX/XXXX, XXXX, XXXX HJR 192 HR 1491 PUBLIC LAW 1 48 STAT 1 PUBLIC LAW 10 CHAPTER 48 STAT 112 PUBLIC LAW 73-10 40 STAT 411 TRADING WITH THE ENEMY ACT ( XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2017-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

I have called several times to request a more compatible interest rate on my credit card. Their APR decision was based on information over 5 years ago. My credit scores and credit behavior has improved immensely since the account opening and it should be reviewed accordingly. Its unfair to the consumer that they continue to be penalized year after year with unrealistic and incompatible rates. I have escalated this to the office of the president and yet no one seems to care. My next step is to contact the media in regards to unfair practice by USAA as they are taking advantage of us veterans who put our lives in peril for our country.
Consumer complaint received 2021-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am an identity theft victim and I have absolutely no knowledge of the alleged debts listed on your website. I am an eyewitness the information is incorrect and I demand the validation of all debts alleged to be mine listed on your website. I have attached a copy of an identity theft report filed with the Federal Trade Center and demand you cease and desist from the presentment of all information alleged to be mine in order to avoid any possible liable for the identity theft or data breach of personal information. I require a fraud alert on my account and all visible information completely blocked and deleted upon forwarding of the identity theft report and this affidavit of truth to any alleged creditor. All creditors must be aware that if they were eyewitnesses to their allegations, then they must know who stole my identity and possibly conspired with the individual to steal my identity and attempt to hold me to fraudulent/unenforceable contracts which an entity can not be an eyewitness to unless using deceptive practices in and affecting commerce. In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors. I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent and the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so, I am sure the removal of my information from your website will ensure my privacy rights wont be violated again due to my lack of consent and unrebutted affidavit of truth being serviced to you today and therefore, standing as truth in commerce. ** I am not a debtor. I am a Secured Party Creditor that DISCHARGES ALL DEBTS PURSUANT TO 73RD CONGRESS. SESS 1. CHS. 48 49. 
XX/XX/XXXX, XXXX, XXXX HJR 192 HR 1491 PUBLIC LAW 1 48 STAT 1 PUBLIC LAW 10 CHAPTER 48 STAT 112 PUBLIC LAW 73-10 40 STAT 411 TRADING WITH THE ENEMY ACT ( XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-04-26
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX  to the following Accounts # On XXXX 1.XXXX  XXXX XXXXXXXX XXXX # XXXX, TransUnion 2. XXXX acct # shows 2 late payments 3. XXXX XXXX shows 3 late payment 4. XXXX XXXX shows 2 late payments 5 XXXX shows 2 late payments. 
According to the the below statues my rights have been violated. Under the following : 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
Each of the XXXX major credit bureaus are in direct violation of their reporting. 
I request that these be removed immediately.
Consumer complaint received 2020-11-03
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received an investigation results.
Consumer complaint received 2017-12-11
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. (NC)

I have repeatedly contacted XXXX XXXX and asked them to send me proof that XXXX accounts belong to me. They are XXXX duplicate accounts, but just have different account numbers, but all the other information on the credit report is accurate. Every time they tell me they can not verify that it is mine, they just tell me it is without any proof, and tell me to contact the original debtor. So I contacted the original company and they do n't have any information about the account and it is a circle of forwarding to different companies who each do not have any information about any account that belonged to me. Eventually I was forwarded back to XXXX XXXX. I informed them about this, yet they refuse to remove the accounts. I contacted Equifax about it ( the only credit bureau with these accounts in them ) and they say they 've " verified the information '' yet how can they verify if when I call to verify they do n't have any relevant information for me. I do n't have any documents because the account is n't mine.
Consumer complaint received 2021-05-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ROBINHOOD MARKETS INC. (FL)

I have an account with Robinhood LLC an online broker, which I've used sparingly over the years. I have no issues with depositing money through my attached bank account and I have two factor authentication for security. I have been trying since XX/XX/2021 to close this account then again XX/XX/XXXX I reached out to customer service then again XX/XX/XXXX I reached out again. Not until the XXXX of XXXX did they say they would escalate this matter. I simply wanted to close my account but they are sending me requests for copies of my social security card, my license, my bank statements. this has nothing to do with closing an account that is in good standing with NO report of fraud on it from me. I was never locked out of my account and there is zero reason for them to delay letting me transfer my cash out of their brokerage and back into my bank that is attached. If they are trying to keep XXXX I find that extremely concerning. My complaint is they won't let me close my account and for the reasons stated above I feel just in my cause to have this rectified without additional hoops and delay my transfer another month. 

I expressed to them quite vividly I do not trust them with the unnecessary information they are requesting because companies are selling consumer information to the marketing affiliates and ransomeware attacks these financial institutions seem to be victim to. It is my right to protect my identity and without fraud claims on my account and myself having full access, I should not have to provide additional details to close my account.