davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past XXXX days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of XXXX times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2022-10-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (OK)

I was having issues with hours during covid and so I opted for a covid plan to not have to make payments until my hardship was over and then I would start making payments again and the amount I owed would be moved to the end of my plan. After my hardship was over, I requested the documents I needed to start marking payments and a notary be sent out to watch and take the paperwork back. I met the notary at work, we signed and they took the documents. Then the notary never sent the documents or something, I have no idea. But I had to request more documents be sent out, because they didn't get them. So we did it again, I met with a different notary, they took the documents and they sent them. This time they said that I signed my name wrong on one of the papers. So they had to send out the documents again, but this time I didn't get them. So after a bit, I got a letter saying my plan was cancelled for something and I would call and say I was waiting on the documents still and then they said they would send them out again. This happened a couple times. Then I got a call saying I couldn't get the Covid plan now, I have to do this other plan. I said I didn't want the other plan, I wanted the Covid one I was told I would get when I signed up for it. And it's been back and forth since.
Consumer complaint received 2022-10-12
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. (GA)

Equifax : Fraudulent activity on account and incorrect and inaccurate accounts XXXX XXXX : XXXX Acct. XXXX XXXX * XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-29
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: LDF Holdings, LLC (CO)

My family and I have been receiving calls from a woman name XXXX. She works for XXXX XXXX. Phone number : XXXX. She says that legal action will be taken against me. My father, who lives in Kansas, received a message from XXXX on XX/XX/XXXX and she told him that they needed to serve me a subpoena. I called them on XX/XX/XXXX and I talked to a man who said that their office had a legal case against for me a payday loan debt from XXXX loan. I asked XXXX XXXX not to call my family about this matter, but they have called my husband on XX/XX/XXXX and XX/XX/XXXX. I informed XXXX XXXX that per the law, they have to send me a letter to inform me of the debt and they have not done that. XXXX XXXX claims that the loan is from XXXX loan and it was supposed to come out of my XXXX XXXX account. I did have XXXX XXXX in Kansas, and the payment from XXXX should have gone through and I looked through my emails and dont have any email from XXXX XXXX about a declined transaction from XXXX loans. I don't live in Kansas anymore and I don't bank with XXXX XXXX now. I emailed XXXX loan on XX/XX/XXXX and told them that I was being contacted by XXXX XXXX and they told me that the debt had been sold to XXXX XXXX XXXX XXXX ( XXXX ) XXXX. XXXX loan never notified me that the debt was sold to a 3rd party of XXXX XXXX XXXX. Per the law, XXXX is supposed to notify me if the debt is sold to a 3rd party and they did not do that.
Consumer complaint received 2022-01-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CHARLES SCHWAB CORPORATION, THE (NE)

In XXXX of XXXX I opened an account with both myself and my wife listed on the checking account. This was a Charles Schwab account checking and brokerage account. after my paycheck went into the checking account {$3600.00} my wife wanted off the account. I was told when I went to the Charles Schwab office in XXXX NE on XXXX XXXX to transfer the money. I filled out transfer papers while I was there at the office and submitted them. I was also told my wife needed to sign a letter stating she wanted removed from the account and send it to them electronically. I did this also XXXX XXXX, XXXX. I was told this would take 10 business days. The money was never transferred, and I was told at that point to open an account just in my name. I opened the new account and at that point they blocked me from the site. I called XXXX, XXXX XXXX on XXXX XXXX and was told the account was in review and someone would contact me. No one ever contacted me. I called again on XXXX XXXX, to XXXX and XXXX and was told a check would be sent to me as both accounts they had closed. The check would be sent in 10 business days. We never received a check from them. I called again XXXX XXXX to XXXX and XXXX and was told they never sent a check, and the account was under review, and someone would call me back. I called again XXXX XXXX, to XXXX and again was told someone would call me back to discuss the issue and again no one called me back. This morning I call them again XXXX XXXX, XXXX and was told that my wife needed to call them back at XXXX and so on my lunch break I went home, and we called them again at XXXX. We were told that the account is locked and that it is under review and that someone will call me about the issue. I will be very surprised if I ever get a call back from Charles Schwab Bank. And at this point am wondering if I will ever get my money from them. I have also filed a complaint with the XXXX XXXXn hope that they will send me my {$3600.00} as this money is needed and I am behind on bills and my wife has medical issues and we need money for her medication and mine and we have a small child that we need money to take care of. we live paycheck to paycheck, and this is affecting us and how we live. XXXX does not seem to mean anything to them though. I hope this will help me get my money out of the Charels Schwab bank as I am not sure what to do next except keep calling and getting lied to.
Consumer complaint received 2020-04-20
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)

The following unauthorized inquiries are not mines and was not authorized by me, this inquiries are fraudulent and I'm requesting that they be removed immediately. 

1 ) XXXX XXXX XXXX XXXX (XX/XX/XXXX ) 2 ) XXXX XXXX XXXX  XXXX ( XXXX ) 3 ) XXXX XXXX (XX/XX/XXXX ) 4 ) XXXX XXXX XXXX (XX/XX/XXXX ; ) 5 ) XXXX  XXXX ( XXXX ) 6 ) XXXX XXXX XXXX ( XX/XX/XXXX) 7 ) XXXX  XXXX ( XXXX ) 8 ) XXXX  XXXX XXXX ( XXXX ) 9 ) XXXX XXXXXXXX XXXX ( XXXX ) 10 ) XXXX XXXX XXXX ( XXXX ) 11 ) XXXX XXXX XXXX ( XXXX ) 12 ) XXXX  XXXX XXXX ( XXXX ) 13 ) XXXX XXXXt (XX/XX/XXXX ) 14 ) XXXX  ( XXXX ) 15 ) XXXX  ( XX/XX/XXXX)
Consumer complaint received 2020-02-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (MS)

I originally borrowed XXXX in student loans maybe 20 years ago. I pay {$67.00} dollars a month based on my income. I now have a bill of {$520000.00} in student loans from FEDLOAN which bought it from XXXX. I have been a XXXX  in Mississippi for over 20 years in low income, low performing districts. Recently when i inquired about loan forgiveness they indicated that I didn't apply for it 20 years ago! This is the first time i was ever told i had to apply for it 20 years ago! They indicated that they are charging me {$99.00} per day in interest! This is crazy. My Net Pay is {$2700.00} per month. There is NO POSSIBLE WAY i can ever pay for the loans.Can you please help. I can't even buy a house or anything because this over inflates my income to debt ratio. ive served my community, state and nation proudly as both a XXXX  and a veteran. Can you please Help?
Consumer complaint received 2016-06-19
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (MD)

I have direct deposit with Bluebird Amex prepaid card. On XXXX XXXX I tried to pay my XXXX XXXX cell bill. Because I had not used the card for some time, I could n't recall the zip code I had on file with Amex. So the XXXX transaction, the rep of XXXX, processed declined due to me giving the wrong zip code. I guessed 5x's.They all declined, then I finally gave the accurate zip. And it was approved. Now why would Amex hold XXXX {$71.00} declined transaction. This is my paycheck, {$350.00} of my money has a hold. I am so perplexed about them holding funds for declined transactions. I ca n't get any cash of my paycheck. This is not credit. I need my funds to get released asap.I have XXXX and it should be XXXX approximately. Please help. They said I have to wait 7 days even declined transactions. I spoke with XXXX they stated they have to give the merchant time to collect on declined transactions. I need my money to pay bills. Please help get my funds off of hold status.
Consumer complaint received 2022-10-12
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. (PA)

On the date of XX/XX/26 all three credit bureaus were sent a Federal Trade Commissions affidavit, also a picture of my ID, picture of my ssn number also a untility bill in which I was following all rules set forth with sending these to the companies to block and remove fraudulent accounts that I have stated in my Word document that I sent over also. All three of the bureaus disreguarded the law and stated that they would remove and gave me confirmation numbers stating they was going to be removed and the accounts are still negative on all my accounts. The law that in referring to is 15 U.S. Code 1681c2 - Block of information resulting from identity theft a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

They failed to remove anything from my reports today marks 15 days since I made these reports and gave notice. 




XXXX XXXX Account number # XXXX XXXX XXXX Account XXXX # XXXX XXXX XXXX XXXX Account XXXX # XXXX XXXX XXXX Account number # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX I will also attach the names of the representatives I talked to with the confirmation numbers that were given to me stating accounts would be removed 5 days later in which it wasnt
Consumer complaint received 2022-01-04
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: CCS Financial Services, Inc. (OH)

I am not an Attorney and or a Third party rep. I have a legal right to dispute anything on my credit report. Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to CREDIT COLLECTION SVCS # XXXX to release my medical information to a third-party. I am aware that HIPPA does allow for limited information about me but anything more than to CREDIT COLLECTION SVCS # XXXX is to only be revealed with the patients 'authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization.
Consumer complaint received 2016-12-13
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have contacted all XXXX credit bureaus on multiple occasions and, this account still have not been addressed. This is a re-aging debt and they are practicing reinsertion of unverified debt which is a violation of the FCRA. This company never loaned me any money. This car was purchased and has been sold already. I have gone a further step and have provided a document that has witnesses my claim via the XXXX State.
Consumer complaint received 2022-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (NY)

Barclays Bank, without prior notice, closed my XXXX credit card. They say they closed my account because of inactivity ( See attached letter ). The decrease in the amount of credit available to me will cause a decrease in my credit score. Also the loss of the credit line, which I've had for many years, will also cause a decrease in my credit score. 

As a result of this precipitous action, Barclays Bank is negatively affecting my credit rating and ability to get credit in the future.
Consumer complaint received 2020-04-20
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$1400.00} XXXX  XXXX {$980.00} XXXX   XXXX {$160.00} XXXX  XXXX {$92.00}
Consumer complaint received 2020-04-20
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: National Credit Adjusters, LLC (NV)

Never took out this loan. I had a police report years ago for this debt and my identity being stolen. They have flagged my credit report 25 times in 5 days.This company harassed me and threatened me. Said they call my employer and come after my kids even for this debt. They refuse to send me anything about this or even documentation for it, other than hearsay from the original creditor which deleted it when they got my police report in 2013
Consumer complaint received 2016-12-14
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY (FL)

I need your agency help to dispute the charges on my American Express card done by XXXX XXXX XXXX. I was contacted by XXXX XXXX XXXX representatives initially on XXXX/XXXX/2015. They represented to me by phone and by email that they were located in Virginia and told me they had an extensive success record recovering money from each of the companies that I told them I had dealt with and very confident that they could win the cases with each one of them. Occasionally I had difficulty communicating with them, but eventually they always communicated successful results taking place in the process. Then I suddenly could not communicate with them at all. They left several cases partially represented and other cases got nowhere at all. The lack of complete follow through, communication, and assurance that all companies were properly brought cases against has cost me considerable time, energy, and money to try and rectify. I have since learned that they were not a Virginia firm, and that information was fraudulently represented to me. I have also noticed that with one of the companies in particular, that the paperwork- contract- they submitted to was tempered with, language changed, and misrepresented to the credit card company. This was an illegal representation of the truth, and as my representative compromises my personal and business integrity. I believe that their dishonesty, misrepresentations, and dropping of cases/lack of complete follow through may have cost me more than {$10000.00} of unresolved cases, specially because the older they get the more difficult it gets to get my money back. And I believe they strung me along, and now I would like to get my {$5600.00} refunded to me, since they did not provide the services that I paid for.
Consumer complaint received 2016-08-01
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MN)

Signed up for an offer from Citi for XXXX thank you points when opening a Citigold account, having a thank you card, and completing two bill payments for 2 consecutive months. The points should have been awarded to my credit card account within 90 days of when I had completed the two bill payments, I have not been awarded any points, and I 'm having to make account fee payments to keep the account open unnecessarily.
Consumer complaint received 2021-01-08
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: EQUIFAX, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The following unauthorized inquiries are not mines and was not authorized by me, this inquiries are fraudulent and I'm requesting that they be removed immediately. 

1  ) XXXX XXXX XXXX XXXX ( XXXX ) 2   ) XXXX XXXX XXXX XXXX ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX XXXX XXXX ( XXXX ; ) 5 ) XXXX  XXXX ( XXXX ) 6 ) XXXX XXXX XXXX   ( XXXX ) 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX  XXXX XXXX ( XXXX ) 9 ) XXXX  XXXX XXXX ( XXXX ) 10 ) XXXX XXXX XXXX ( XXXX ) 11 ) XXXX XXXX  XXXX ( XXXX ) 12 ) XXXX  XXXX XXXX ( XXXX ) 13 ) XXXX XXXX ( XXXX ) 14 ) XXXX  ( XXXX ) 15 ) XXXX  ( XXXX )
Consumer complaint received 2020-04-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (OH)

Sequium Asset Solution LLC Date XX/XX/2020 I only received only one collection letter on this date. 

I have called 3 different times and sent a letter to them to dispute a collection amount that was not correct and found out as of today Monday XX/XX/2020 to a credit reporting Agency
Consumer complaint received 2021-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (OH)

I am having major issues with my name and addresses on my credit profile. My CORRECT NAME IS : XXXX XXXX XXXX PLEASE DELETE ANY AND ALL VARIATION OF MY NAME. MY ONLY ADDRESS IS : XXXX XXXX XXXX XXXX OH,XXXX. SS XXXX DOB XXXX. I HAVE STARTED ON A NEW BUSINESS AND WHEN I LOOKED OVER MY FULL REPORT I SEEN THAT THERE were SEVERAL ERRORS! PLEASE DELETE THE FOLLOWING SS THEY ARE NOT MINE XXXX, XXXX, XXXX. 
PLEASE REMOVE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX.
Consumer complaint received 2016-02-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Corporation of America (FL)

I am a Medicaid recipient who visited the hospital and provided proper insurance information, the hospital never submitted the bill to Medicaid and send me the bill instead. I contacted the hospital again and provided XXXX more time my insurance information however according to the Medicaid office they never submitted any bills on my behalf. Today I received a bill from a collection agency who is refusing to provide me with information regarding my bill and proof that the hospital submitted the bill to Medicaid.
Consumer complaint received 2021-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

I spoke to both companies about this error. Both companies is pointing the finger at the other. At this point I don't care who's not doing their job, I just need my credit file with Equifax to be update correctly to report that I have a mortgage with XXXX XXXX XXXX XXXX. 

Furthermore ; as a result of the missing information from my credit report, my credit score has been impacted negatively and I have been denied for a loan.