davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.
Consumer complaint received 2017-12-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

On XXXX XXXX, I received a phone call regarding a debt for an amount I had never been billed by a former landlord. I told the collecting caller I was contesting the debt, and they said they would send me a letter with next steps. This man was respectful and assured me the company would not report to the credit bureau without giving me a chance to formally dispute the debt. I did not receive any mail from them after this call. 
On XXXX XXXX, I received a second phone call. I told this new man I had never received any paperwork after the call on XXXX XXXX. This man told me a letter had been sent, then he berated me and threatened to report me to the credit agencies. He also refused to send debt verification. 
On XXXX XXXX, I called Fidelity and spoke to a very nice, professional man and explained that I had never received any paperwork but had received several phone calls. This man told me he would send me new paperwork. I finally received the first formal, written communication on XXXX XXXX. 
I disputed the debt in writing and sent two copies - one with tracking and one without, on XXXX XXXX. I asked them not to contact me again by phone and to send all further communication in writing. 
XXXX XXXX XXXX never responded to my letter. On XXXX XXXX, I received another phone call, despite the fact that I had asked them not to call me, as per my legal rights. 
Additionally, I found out the company had dinged my credit report twice. Once on XXXX XXXX, and once on XXXX XXXX - both occasions were AFTER I disputed the debt - however the debt was not reported as a disputed debt. This company is choosing to ignore both my request for no further calls and my right to dispute and is maliciously trying to hurt my credit.
Consumer complaint received 2020-09-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XX/XX/2020 I found fraudulent charges on my Visa account with Bank of America. I spoke with them by phone. They would investigate it. I received a letter with the response that they felt these charges were accurate due to the simple fact that I overlooked them for several months and did not complain about it till XXXX. These charges total over {$7600.00} from XXXX and XXXX XXXX XXXX. I do not and have never used these companies but admit that my book-keeper and myself overlooked those charges. This should not be acceptable because we trusted the system and Bank of America. I called them again and demanded a supervisor. The supervisor said she would re-open the investigation. A few days later I received another letter with the same response as the first letter denying the complaint and leaving me stuck with over {$7600.00} in fraudulent charges
Consumer complaint received 2017-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have state tax liens that have been paid and show on my credit reports as " released ''. I have tried to have these removed, unsuccessfully. The state of GA, does not get involved with the removal of these. I feel they should be removed. Thank you for your help.
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Someone is also using my information to open bank accounts credit cards ect and pre-qualified WILL NOT STOP I have opted out so many times I even had apartments looked at under my information and I'm not doing it I found numbers and addresses I didn't have or live at credit that was removed put back and nothing has stopped its still happening with reports and XXXX I'm getting mad and I can't even get replaced ss card cuz of this mess and when enter information for free reports it gets hung up on me after iv entered it and more false credit XXXX being reported still and blocking me from even getting snow tires this has to stop there is also 5 miss spelled forms of my name on it
Consumer complaint received 2020-09-08
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)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report  which is detailed as follows ; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A 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 SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2019-08-20
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: Experian Information Solutions Inc. (FL)

According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.XXXX XXXX, XXXX XXXX XXXX,XXXX XXXX XXXX,XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2022-04-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (MI)

I attempted to ask for a temporary forbearance for my XXXX payment via email and over the phone and was denied. 

I have medical bills and dental bills that need to be paid before my student loan payment. I will not have the payment amount needed to pay for XXXX 's payment.
Consumer complaint received 2021-05-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

I have been with coinbase.com for about 4 years now. Every time I login, I receive a code that is sent to my phone.. after I input that code, I then receive an email to authorize the login.

3 weeks ago I woke up and saw 3 codes being sent to my phone 6 hours ago. I was quick to login to my coinbase and saw multiple transactions being sent out to different addresses in increments of XXXX  .

They had also purchased more cryptocurrencies with my visa debit card ... depleting my checking account They took everything I checked my email and there was no authorization email sent by coinbase. Also no new ip address logins to my email. Security fault on coinbases end I'm assuming. I opened a dispute with coinbase and I got an automated response saying please allow 4-5 business days. It's been about 15 business days now. 3 weeks in total days with no response from coinbase.com
Consumer complaint received 2020-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Please investigate and remove fraud accounts.I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible. 

XXXX opened XX/XX/2017 account number XXXX XXXX XXXX account number XXXX
Consumer complaint received 2022-11-17
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. (TX)

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to delete this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2021-09-08
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. (MA)

In XXXX of XXXX me and my wife signed up for a debt consolidation agency ( XXXX XXXX XXXX ) to work with our creditors in settling our accounts ( credit card accounts ) we graduated the program in XXXX of XXXX and still to this date most credit cards have negative information on my credit report, some report derogatory, unpaid. I have signed up with XXXX for $ XXXX/month because its the only way to report to them for inaccuracies on the credit report and still in XX/XX/XXXX this has not been solved or taken care of when I have provided all settlement agreements and proof of final payment between myself thru XXXX XXXX XXXX Program and my creditors. This has affected now my family way of living because we need to start looking into projects to fix our house or sign up for a lower interest home loan rate than the one we have. This is not fair that we over the past 3 years have paid thousands of dollars to settle our accounts and in the end it still hurts us financially.
Consumer complaint received 2022-10-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I called for mortgage relief due to unemployment 7 times on XX/XX/XXXX and was hung up on each time. This is discriminatory. How are we supposed to speak to someone regarding COVID mortgage relief if your phone staff is constantly hanging up on callers? 

I called on XX/XX/XXXX at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

Capital One Auto Finance harassed me with false advertisement to discriminate me and remove me from auto financing as they send me about 10 pre-approval from Capital-One Auto Finance from serval auto dealers that include, XXXX XXXX XXXX XXXX in XXXX, however I can not locate all their advertisement but have addition a few. ( Attached as Exhibit ). 
I considered an Auto loan from Capital One because it was pre-approved and you just enter an online approval number that forward my information to the XXXX XXXX XXXX that given me an XXXX appointment at special sale event, wherein to bring copies of my pay stub, Driver License, and a bill. 
I received about 20 telephone calls from the XXXX XXXX to come with my document to pick-out an auto. XX/XX/XXXX I came into their office and submitted my documents and test drive a XXXX XXXX approved to take home with no money down. 
As my nephew ( XXXX XXXX XXXX. ) received a loan from the XXXX XXXX earlier that year for about {$21000.00} with a XXXX credit score and no driver license and some collection on his report to make unions happy, but I decided this was not the auto I wanted and sought to gather money for a down payment as the Special Finance Manager XXXX XXXX indicated my approval was until XX/XX/XXXX. 
Before I could returned in XX/XX/XXXX I received notice from Capital One and XXXX XXXX XXXX they did not want to finance as they said mu score was XXXX. Where in fact, they financing people with slow credit, no driver license and low credit score and my score was higher it was between 608 and 622. ( Attached as Exhibit ). 
These people harassed me for a year with pre-approval and telephone calls and false advertisement for over a year to come in and get an auto and once approved reversed their decision that has cause me further discrimination to remove my name from the system and worked with the Capital One, XXXX XXXX and the XXXX XXXX XXXX to implement organized discrimination and cover-up with the credit bureau. 
As you may not know As these people work with the credit cards and credit bureau and can change your score every day sometime, they have people steal your information and assist with fraudulent charges to have you close your accounts to reduce your credit score to cover-up discrimination, as they work with governments, unions and lodges as this is one of the reason XXXX has become one of the most violent city in America.
Consumer complaint received 2022-04-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (IL)

I would like to obtain assistance in learning how U.S.Bank operate. I applied for a modification of my HELOC in XXXX of XXXX which was never approved and was told no payment would be due in XXXX of XXXX because the loan had matured. Now it is now XXXX of XXXX and U.S.Bank is still constantly providing incorrect information. XXXX of XXXX I requested a refinance of the Mortgage. I was provided information for the closing and was told I could select the title company. When I spoke the loan XXXX I was told they could not due the refinance and was not given explanation. I did submit the complaint to you. When I inquired about the response from U.S.Bank I was provided a number to otain the information from U.S. Bank. In viewing U.S.Bank 's response they stated I requested CASH OUT which was not true. Presently, U.S.Bank is still very confusing to me as a CONSUMER by sending me a letter dated XX/XX/XXXX and receiving notice from U.S.Bank 's legal Council dated XX/XX/XXXX regarding FORECLOSURE. I definitely need help in understanding how U.S. Bank service 'CONSUMERS ' This is ordeal is basically interfering with my HEALTH!!!!
Consumer complaint received 2020-09-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

Hello : This complaint centers around my two checking accounts that I have at Chase bank. I have banked with Chase for seven years with no issues until now. 

I was recently laid off from my job as a XXXX  XXXX in XXXX XXXX. I moved back to XXXX  to look for work. I applied for unemployment coverage and was approved thru the state of XXXX. Since all unemployment taxes had been paid to the state of XXXX  I was instructed by XXXX   unemployment AND XXXX unemployment that my benefits would come from XXXX  ( despite the fact that I now live in XXXX  ). Both agencies knew I moved to XXXX. On XX/XX/2020, Chase bank ( with NO NOTICE ) froze all of my accounts. I had to call Chase bank repeatedly and every time I called I was told a different story. Chase bank told me that they were suspicious of my account because I was collecting unemployment from XXXX  but living in XXXX. I explained to them the situation numerous times and was told to provide documentation. I have provided numerous pieces of documentation related to my XXXX  unemployment. I have provided direct emails from the state of XXXX  unemployment office. I have called EVERY DAY for the last 20 days! Every day I speak with a new person. Every day I am told a new story. I have called the state of XXXX  unemployment office and they have stated there is NO problem on their end and that they had never heard of a bank doing this before. 

Please, I just want ( and need ) my money released and sent to me from Chase. I am getting nowhere with them after almost 30 days. I can provide full documentation of all my unemployment benefits and correspondence with the state of XXXX. Chase is such a large company that no one seems to care. Thank you in advance for any help you can provide!
Consumer complaint received 2021-04-02
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: Experian Information Solutions Inc. (IN)

I got a couple of payments taken out of my checking account and then they stopped. I had called me bank and told them to stop and now they are starting up again and my bank is not putting them through but they won't stop and I have no idea what this is for.
Consumer complaint received 2022-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (IL)

I charged {$2100.00} to my Discover Card, payable to the TXXXX XXXX XXXX XXXX XXXX XXXX XXXXn XXXX, CO, after signing a contract with XXXX  on XX/XX/21 to eliminate a timeshare on which I am still currently paying maintenance fees. I called XXXX numerous times to determine the status of my contract with them, and finally was notified that the XXXX phone number was " disconnected ''. Emails to XXXX were returned, and their Web Site was no longer available. Finally after checking with the XXXX XXXX XXXX, I found a XXXX XXXX XXXX article that XXXX  was no longer in business and that customers were attempting to get their money back from that contract. I believe that the article mentioned that the Colorado Attorney General was investigating. 

On XX/XX/21 I received a " Notice of Chapter XXXX Bankruptcy XXXX... '' from the US Bankruptcy Court, US Custom House, XXXX XXXX XXXX, XXXX, CO XXXX, a notice that bankruptcy was file with the Bankruptcy Clerk on XX/XX/21. No services of any type were ever received from XXXX between signing of the contract and notice of the bankruptcy. 

I immediately notified Discover Card disputing the charge, and requested that this charge be eliminated, and my funds returned, all on Discover 's Online complaint Site. Initially Discover returned the {$2100.00}, but after an investigation, with a letter to me on XX/XX/21 Discover returned the charge to my card, with no explanation as to why the charge was found " to be not valid. '' On XX/XX/21 I sent a letter to Discover requesting that Discover reconsider my dispute, based upon an inability to reach XXXX through any means, and receipt of the Bankruptcy notice, a copy of which I submitted to Discover. 

I then received a subsequent letter from Discover Card that reasons for the return of the charges to my Discover account would be mailed. 

To date, nothing further was ever received from Discover. There has been no notice to me of a reconsideration of my dispute with Discover, nor a reason why there has been never been a reconsideration.
Consumer complaint received 2023-02-23
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-04-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TFS FINANCIAL CORPORATION (CA)

I applied HELOC application on XX/XX/22. First decision made on XX/XX/22 was not capturing all my incomes so I requested 2nd review with additional documents they requested to included all income source I was claiming. Since then, they are delaying 2nd review even after multiple contact I made to their officer. Now they are not responding.
Consumer complaint received 2019-08-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SD)

I am having problems with portfolio recovery, they not only posting debt that have been changed off and have been written off, which I do not owe this debt legally. I would like them to remove this debt from my credit report, or I would like them to provide me with a written agreement that I borrowed this debt from them. Or remove this debt from my report
Consumer complaint received 2019-08-20
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: EQUIFAX, INC. (AZ)

XXXX, XXXX, and Equifax are fraudulently reporting inquiries that aren’t mine. I’ve called several times to all 3 bureaus to get these fraudulent inquiries removed to no avail. I’ve reported the fraudulent inquiries to the FTC