davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-14
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. (IL)

It appears that my complaints # XXXX, XXXX, and XXXX that I submitted on XX/XX/XXXX was closed when I checked it. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2019-12-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MD)

Mohela owes me {$200.00} for a loan repayment overpayment. Mohela also owes me {$40.00} for a payment it processed but failed to apply to my loan or refund. It is attempting to scam me out of these funds.
Consumer complaint received 2022-07-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

I used Venmo on XX/XX/2022 to send money to my cousin. At the suggestion of Venmo Customer Service, I send the money in two separate transactions ( {$2500.00} and {$2400.00} ), and I also added my Debit Card to my account to send the money from. I had contacted Venmo customer service because I was getting error messages and a locked account upon trying to send the money. 

After the money left my account, I checked with my cousin to confirm she had received it. She did not received the money. So she contacted Venmo customer service. They asked her for her driver 's license number, her bank account number and several other pieces of information. The money still didn't go into her account. She contacted them again, and they said that it would take 10 to 14 business days for her to receive an email from Venmo that would allow the money to go into her account. A few days later, she was told by Venmo Customer Service that her account was locked, and she was being investigated for internet fraud. 

She is still waiting for further information from Venmo and is concerned that the money will somehow never be put into her account. I was never contacted by Venmo to confirm that I did intend to transfer the money to her and prove that it was not a case of fraud. Venmo has not provided sufficient information about the reason for holding her money, and we are very concerned about Venmo never transferring the money into her account.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

THIS COMPANY HAS UPPED MY APR TO ( 31.24 % ) when I first received the card it already had a high APR of ( 21-24 % ). Capital One has now raised it to 31 % and I HAVE DONE NOTHING WRONG WITH THIS CARD. This " bank ' needs to be reported for all of its actions that are against bank polices!! and this has to be one of them!
Consumer complaint received 2022-11-04
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. (GA)

I have not applied for any new credit or authorized anyone else to run my credit in the last 3-4 years. I recently downloaded a credit tracking app and was surprised to see the number of unauthorized inquiries on my report. This has greatly impacted my confidence and ability to apply for anything because I know I will either be denied or receive a high interest rate.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

1. In accordance with the Fair Credit report Act XXXX account 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 is also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Convergent Resources, Inc. (GA)

I received an alert from XXXX  that my credit report had changed. I logged in to see an account from Convergent for $XXXX   for XXXX  XXXX XXXX. I never received any notice in the mail regarding this debt nor did I receive the right to dispute.  The balance was paid in full to the merchant and the confirmation is attached.
Consumer complaint received 2023-01-03
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. (FL)

Account Name XXXX XXXX XXXX Date Opened : XX/XX/2017 Amount : {$1000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Consumer complaint received 2022-07-21
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. (CT)

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-09-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BMW Financial Services NA, LLC (CT)

The below complaint marked as duplicate when it is in fact not, it was not submitted prior, Should this complaint be marked as duplicate to avoid address, I request CFPB look into this behavior by BMWF. Please see complaint below.. 

The last ACH payment made on my BMWF account was returned for reason ( s ) unknown to me, item does not show presented to my bank, XXXX. There appears to be an error with routing and or account number, I do not have an exact answer for return at this time. The account is now past due for months of XXXX and XXXX, total amount of {$1800.00} I believe. I sent a secure message via BMWF site today, XX/XX/XXXX, advising I scheduled an electronic bill pay in the amount of {$900.00} on XX/XX/XXXX. I plan on making an additional payment the following week on XXXX, the amount of {$400.00}. At this time I wish to clarify if account is still eligible to make ACH payments, due to this last return.. Further, I wish to advise of my payment intentions detailed above
Consumer complaint received 2021-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESES COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.
Consumer complaint received 2020-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (MO)

I applied for a chase business credit card on the chase mobile app. Because it was an offer on my portal. We currently have a chase checking account for our business and wanted to get the credit card to avoid being charged monthly maintenance fees. We applied for the card and got a generic processing response. 

We got a phone call from a rep stating we needed to verify the business. ( The business should already be verified since we are a customer of chase already. ) on top of that, when we applied through the app, all of my information was already on the app. All I did was really hit submit. 


The rep stated I need to show proof of address and my EIN. I faxed those documents in which was a previous credit card statement and my EIN from the IRS. 

The fraud department reviewed that information then stated they couldnt accept my EIN from the IRS. But yet this is CHASE fraud department? They cant identify my business with a letter from the Irs? Insane. 

The rep said she would put the docs back through and have the re-look because apparently someone wasnt doing their job. 

The reviewed the docs and Im still getting letters they needed my EIN. At this point, chase is being annoying and I wish I never applied because it was a terrible experience. 

I then called again, they stated lets review your application. I waited on hold for 20 minutes while the rep reviewed my app just for him to say unfortunately youve been denied. After going back and forth about submitting documents to verify my business address and EIN, for weeks. To just be deny was a WASTE of time. When I sent in everything that was needed. I was given the run around. Chase is wrong for this. 

The way the processing went for application was just all wrong. So now I will be moving my money to a new account because chase doesnt care about me or my business.
Consumer complaint received 2020-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: UBS BANK USA (FL)

UBS CUSTOMER SERVICE REFUSES TO UPDATE ADDRESS STATING THEY DONT HAVE MY ZIP CODE ON FILE ETC., REFUSES TO TRANSFER CALL TO SUPERVISOR, AGENTS ARE RUDE AND ROBOTIC. ASKING FOR ACCOUNT NUMBER REPEATEDLY. NOT SURE IF I WOKE THEM UP WHEN CALLING AT XXXX XXXX   BUT I NEED MY ADDRESS UPDATED AND PHONE NUMBER UPDATED AND CAN NOT GET IT DONE. UBS HAS A CONSISTENT PROBLEM WITH CUSTOMER SERVICE AND THIS SHOULD BE NOTED ON THE NEXT OCC OR CFPB REVIEW OF THIS ARM OF UBS. ABSOLUTELY INEPT CUSTOMER SERVICE AND THE AGENTS ARE MERELY A SYMPTOM OF THEIR PROBLEMS, THERE IS A COMPLETE LACK OF LEADERSHIP IN THIS BUSINESS.
Consumer complaint received 2022-07-20
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: Experian Information Solutions Inc. (CA)

To whom it may concern, YOU BROKE THE LAW!!!

Pursuant to 15 USC 16814 ( a ) ( 1 ) the banking system is dependent upon fair and accurate credit reporting information. This inaccurate information was furnished, and I was not notified when during the investigation process.

Pursuant to 15 USC 1681 ( a ) ( 1 ) This grave error undermined my confidence in your companies procedures, and as a result of this I will no longer extend credit and want these items removed IMMEDITLEY.

Pursuant to 15 USC 1681 ( a ) ( 2 ) Your company is a powerhouse elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversity my credit worthiness.

Pursuant to 15 USC 1681 ( a ) ( 3 ) Your company assumes this role. You were not given permission by me, the consumer, or a competent court of jurisdiction. Not only did you fail the initial investigation of this information, you also assumed this role, and assumed this information was valid. Which is a violation of my consumer rights.

Pursuant to 15 USC 1681 ( a ) ( 4 ) You did not insure the information is accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story, never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached, and violated my right to privacy.

( SEE EXHIBIT A ) Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( a ) ( I ) Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. The alleged transactions that you are reporting are false and have failed to investigate, weather or not it factually took place between the consumer, and the person making the report. Which means it should not be included in my consumer report and in fact is a violation of my consumer rights.

Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) In the initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation.

Pursuant to 15 USC 1681 a ( B ) Any authorization of a specific extension of a credit or credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit as defined as 15 USC 1602 ( 1 )
Consumer complaint received 2022-07-20
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC (MI)

I qualifed for a loan modification after a deferment for COVID. They keep rejecting our ( co-signed and myself ) paperwork that needs to be notarized. It has been rejected for frivolous and ridiculous reasons. I was told that it was rejected because my 6 didn't look like a 6 when signing, and then another time was because we didn't get it done on the same day ( we live in 2 different states ). This has been rejected at least 4-5 times since XXXX of 2021. I can not make a payment online and to make a payment I'm on the phone for at least 10-15 minutes every time and my payment changes every time and when I ask why I get a different answer. The inconvenience of all this is outstanding! Let me not even get into the credit aspect of all this. How shameful and horrible this is to customers!
Consumer complaint received 2020-05-31
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MI)

XXXX XXXXSYNCHRONY BANK has a very confusing statement for providing consumer with promotional balance information. They add the deferred interest to the balance information and never show the actual remaining promotional balance. Ive never seen a statement so deceptive and Im a frequent user of deferred interest promotions. All other accounts that I have where I use deferred interest promotions are through XXXX and the information is clear and concise. 

I am a lawyer/consumer and I frankly can not read the Synchrony statement to know what I owe. 

Initially, I had to complain to them because my account was considered overdue three days after my purchase was delivered. They took my payment and dint consider it past due. 

I also note that since Ive set up automatic payment, that the automatic payment will be reduced by the amount of any other payment that I make earlier in the month. So, unless Ive set up an automatic payment large enough to meet the promotional obligation by the end of the promotional period, I have to take special action to pay them enough because if I attempt to pay extra during the month, they will credit the extra payment towards the automatic payment and reduce the automatic payment. 

This bank has predatory practices from unclear statement to payment due very near purchase.
Consumer complaint received 2020-06-01
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I XXXX XXXX XXXX only made one transaction on XX/XX/2020 for XXXX. It's a Fraudulent second transaction XX/XX/2020 which I XXXX XXXX XXXX didn't make for XXXX.
Consumer complaint received 2020-06-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I have received written correspondence from three different collections companies over the past 4 years trying to collect on a Credit Card Debt. The debt has been sold Original Debtor Listed : XXXX XXXX XXXX  XXXX XXXX 1st Collection  Company  : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX 2nd Collection Company XXXX XXXX , XXXX XXXX , MO XXXX Current Collection Company Resurgent Capital Services LVNV Funding LLc
Consumer complaint received 2020-05-31
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. (AL)

This company has falsely reported this on my credit file for a year-and-a-half to two years now and I never had such account with this place claimin I owe a debt please ask for any signed documents that where signed or veribly agreed by me any form or fashion and I will pay this debt in full please verify my signature to this false debt that I never had any knowledge of or utilized any benefits or service from the company that claims I owe this debt thank u for any assistance with this matter
Consumer complaint received 2020-09-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of the Hudson Valley, Inc. (KS)

On XX/XX/20 I received an alert through XXXX XXXX that there was a change to my XXXX  credit report. I pulled my XXXX  credit report on XX/XX/20. There was a collection from Collection Bureau of Hudson Valley Inc, XXXX XXXX XXXX, XXXX, NY XXXX, stating the original creditor is XXXX. 

Prior to the credit alert from XXXX XXXX and prior to the discovery of this fraudulent account with Collection Bureau Hudson Valley ( CBHV ), I did not receive any correspondence from CBHV advising me of my statutory rights prescribed by the FDCPA. Specifically, CBHV deprived me of any and all rights under 809 of the FDCPA. As prescribed by the FDCPA, I am entitled to, at minimum, 3 basic & separate components : ( 1 ) Right to notice of the alleged debt, ( 2 ) Right to contest the alleged debt, ( 3 ) Right to verify the alleged debt. 

CBHV 's act of furnishing ( derogatory ) information to Equifax, without the required notifications and in compliance prescribed by 809 of the FDCPA, not only violates the FDCPA but violates various sections of the FCRA. 

Prior to reporting this fraudulent debt to my XXXX  credit file, CBHV had ample time to notify me under the requirements of the FDCPA. CBHV acquired my location information through XXXX  on XX/XX/20 via the inquiry listed on my XXXX Credit Report. The derogatory, fraudulent, and inaccurate information that was provided to XXXX  on XX/XX/20 states that CBHV was assigned this file on XX/XX/20. 

In addition, the derogatory information from CBHV that was placed on my credit report was a result of identity theft. Therefore, as an identity theft victim, and all the rights afforded to me, I sent Equifax a XXXX letter requiring them to block this fraudulent information within 4 days of receipt. Furthermore, on XX/XX/20 CBHV was in receipt of correspondence from me dated XX/XX/20, that the derogatory information they supplied to my XXXX  credit report is the result of identity theft. 

On XX/XX/20 I received a letter from CBHV that was addressed to my current address. CBHV addressed the letter to me in response to my ID theft letter, but they addressed the letter to me as " XXXX XXXX '' Please note, the name " XXXX XXXX '' is NOT a name variation that I use. 

I feel that CBHV knowingly, willfully, and intentially engaged in prohibited conduct by attempting to collect an alleged and fraudulent debt by reporting a derogatory account to Equifax, without first sending any required statutory notices or correspondence, required by 809 of the FDCPA.
Consumer complaint received 2023-01-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.