davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MS)

LVNV Funding LLChas opened an account using my information to report misleading and inaccurate information on my credit report. I have never entered into any contract or signed any documents or made any agreement with this collections agency. They have no right to furnish any information on my credit report. I never gave them any permission. Also, I sent a debt validation letter to them and they have not sent a valid response. They should be shut down! They are taking advantage of XXXX VETERANS like myself. They are adding stress to my life and making it impossible for me to obtain credit. Please remove this account from all 3 credit bureaus, XXXX XXXX  and XXXX
Consumer complaint received 2019-11-19
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)

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions.
Consumer complaint received 2019-11-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: La Casa Bonita Investments (TN)

On XX/XX/2019, I received a phone call from 1FILE.ORG. The representative said they could help me with my delinquent loans. I gave her my income information and she said I qualified for much lower payment than what I had with my previous loan company. She emailed me an application that evening for me to fill out and return. She stated that I had a fee to pay in the beginning that would be divided into four payments, then my smaller payments would start. This plan would be reevaluated after one year. My first payment came out on XX/XX/2019. I checked my account yesterday because the second payment should have been deducted. If they took a second payment, it was a little lower than my first payment. I am going to call my bank to see what this payment is because I I don't recognize it. Today I received three envelopes from another loan company ( XXXX XXXX XXXX ). One letter stated that my consolidation was complete As I read the letters, the verbiage was different from what was discussed on the phone. I spoke to a representative from XXXX XXXX XXXX and told her about the arrangements that I made over the phone.. She asked if I was dealing with a third party. I told her I only knew of the company that I spoke to on the phone. She said they do not make arrangements like that. The system shows a XXXX payment plan for me for one year. They have not received any payment from me. She said I needed to call the Federal Trade Commission to make a complaint and see where my money is going. The representative at FTC took my information and stated that I needed to call Consumer Financial Protection Bureau.
Consumer complaint received 2019-11-19
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. (GA)

Disputed a bankruptcy reporting on credit report. Credit bureau reported that they verified information. However, I contacted the company that credit bureau stated that verified information and was advised that not only did they not verify information, but they do not provide information directly to third parties.
Consumer complaint received 2019-03-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: KEYCORP (CO)

Key Express Checking opened XX/XX/XXXX. Terms of account not in agreement with original details outlined in account. Fees charged for both lack of deposits and minimum balance. Closed account about XX/XX/XXXX. 

Asked for a debit card for my savings. Was told via customer service on XXXX ( XXXX ) XXXX that the account can not be used with a card. I was given a generic ATM withdrawal card, told that a Hassle Free checking would be opened to honor a debit card to be used with the account. The result was the same Key Express Checking account being reopened that I previously closed.
Consumer complaint received 2019-11-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (VA)

I reached out to an individual that was offering online services for a multiplayer game. We discussed their rates and settled on the agreement of {$100.00} to receive their assistance to leverage ( boosting ) my account in this multiplayer game further. I asked if they could send me an invoice on Paypal, but they felt uncomfortable, and asked to send the money through gift. I was fine with that, assuming that I would receive the service that I had paid for. 

This discussion began during XXXX XXXX, 2019, and the service needed to be completed by XX/XX/ 2019. I asked if they could send me an invoice for tax purposes through a pdf, and they agreed. Looking back it now, I never confirmed their existence and whether it was a reliable transaction. The Paypal was sent to a XXXX Paypal, and their invoice address was a fake address in Florida. 

This person has halted communication with me, and I feel swindled.
Consumer complaint received 2019-11-19
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: Experian Information Solutions Inc. (AZ)

XXXX XXXX is currently reporting an inaccurate amount loan paid as agreed on my credit report. Also, remarks on my Automobile should be : Paid Off not closed. Their inaccurate reporting is negatively affecting my credit score and I am receiving denied credit letters. They deleted the automobile loan from my credit report where they should have modified the amount paid off. Which took my credit score from 700s to the 500s, between XX/XX/2019 XX/XX/2019. 

I've been trying to correct this issue since XX/XX/2019. File #
Consumer complaint received 2019-11-19
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. (FL)

This is a complaint against XXXX XXXX. The reason why I am writing this complaint is because on my XXXX, XXXX, and Equifax credit report on XX/XX/2019. This enquiry was not authorized by me, this was done under fraud. I will brief, I am victim of identity theft and in this complaint I will submit all the documents necessary to verify that this enquiry was not done by my person. For the past couple years i have been victim of identity theft, and these false enquiries have been popping up on my credit report. When this specific enquiry happened I wasn't even in the U.S. when this happened. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Consumer complaint received 2019-03-10
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (FL)

My mortgage company NationStar DBA Mr Cooper has been reporting the following late payments on my account and credit report since 2015 even though I have never paid late. 
30 Days Late : XXXX, XXXX, XXXX, XXXX, XXXX, & XXXX. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, & XXXX. 
XXXX, XXXX, XXXX, & XXXX. 
XXXX, XXXX, XXXX, & XXXX. 
XXXX 60 Days Late : XXXX This has affected my credit history, credit score, and credit limits with other lenders. When I asked the mortgage company what is going on they say they have taken my mortgage payment to purchase insurance even though I have purchased insurance already and provided the proof of insurance. I have always kept current with all payments and insurance. I have disputed this with the credit agencies and they say the lender has to correct the information. I have requested the lender correct the information several times verbally and in writing and nothing has been corrected. 
In addition to the late payment reporting errors, the lender is reporting incorrect monthly payment amount. My correct payment amount is {$1200.00}. The lender is reporting {$1500.00} as my monthly required payment. 

I have provided proof of payment and insurance to the mortgage company and credit agency and nothing has been corrected. The lender has not treated me fairly and has damaged my credit and reputation which I have worked so very hard to build. This is affecting my livelihood and ability to secure credit with other lenders.
Consumer complaint received 2019-11-19
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. (FL)

This is a complaint against XXXX XXXX XXXX. The reason why I am writing this complaint is because on my XXXX, Experian, and XXXX  credit report on XX/XX/2019. This enquiry was not authorized by me, this was done under fraud. I will brief, I am victim of identity theft and in this complaint I will submit all the documents necessary to verify that this enquiry was not done by my person. For the past couple years i have been victim of identity theft, and these false enquiries have been popping up on my credit report. When this specific enquiry happened I wasn't even in the U.S. when this happened. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Consumer complaint received 2019-07-11
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: Medical Data Systems, Inc. (NC)

Medical Data Systems is reporting a debt of {$200.00} in my name which I know nothing about. I have sent a validation letter which was received by the company on XX/XX/2019 and signed by XXXX XXXX. As of today XX/XX/2019 I still have not heard anything from the company which is more than the 30 days and no verification or validation that this so called debt is mine. 
Under the HIPAA I am allowed to protect my medical privacy and I am very concerned that this company is reporting something that can not be validated or verified.
Consumer complaint received 2019-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OK)

have an account included in my chapter XXXX petetion filed XX/XX/2019. 
all other accounts reflect this however i have disputed this and not getting the correct results.
Consumer complaint received 2019-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX XXXX # XXXX is reporting a debt that I do not owe. I was in a car accident and the insurance was supposed to pay for this, I should not have this debt on credit.
Consumer complaint received 2019-03-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Johnson Mark LLC (AZ)

Johnson Mark LLC removed from my XXXX XXXX Checking account {$2700.00} and {$400.00} from my savings account Friday XX/XX/XXXX with no court order nor any notification to me that they were doing so. They wiped out my funds leaving me with {$300.00}. The credit card debt was from XX/XX/XXXX and I've never received any communications regarding this. After some investigating online I believe this is the debt : XXXX Filing Date Description Docket Date Filing Party XX/XX/XXXX XXXX - Application For Writ Of Garnishment XX/XX/XXXX XX/XX/XXXX RQW - Rel/Quash Writ Of Garnishment XX/XX/XXXX XX/XX/XXXX ANG - Answer Of Garnishee XX/XX/XXXX Garnishee Defendant ( 3 ) XX/XX/XXXX XXXX - Affidavit Of Service XX/XX/XXXX XX/XX/XXXX WGS - Writ Of Garnishment and Summons XX/XX/XXXX XX/XX/XXXX XXXX - Application For Writ Of Garnishment XX/XX/XXXX XX/XX/XXXX RQW - Rel/Quash Writ Of Garnishment XX/XX/XXXX XX/XX/XXXX ARJ - Affidavit : Renewal Of Judgment XX/XX/XXXX XX/XX/XXXX XXXX - Application For Writ Of Garnishment XX/XX/XXXX XX/XX/XXXX DJU - Default Judgment XX/XX/XXXX NOTE : XXXX PAGE CERTIFIED COPY FROM XXXX XXXX XXXX XX/XX/XXXX XXXX - Coversheet XX/XX/XXXX As you can see I have never been served. I wish to also make a claim against XXXX XXXX for allowing the removal of my funds without a court order. I will now have overdrafts on my account and payments that will be late due to this. The attorney office and XXXX XXXX should be accountable for this. I can not believe this could be legal!!!
Consumer complaint received 2019-11-19
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: SYNCHRONY FINANCIAL (FL)

This is a complaint against SYNCB. The reason why I am writing this complaint is because on my XXXX, XXXX, and XXXX credit report on XX/XX/2019. This enquiry was not authorized by me, this was done under fraud. I will brief, I am victim of identity theft and in this complaint I will submit all the documents necessary to verify that this enquiry was not done by my person. For the past couple years i have been victim of identity theft, and these false enquiries have been popping up on my credit report. When this specific enquiry happened I wasn't even in the U.S. when this happened. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Consumer complaint received 2019-11-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (GA)

I have a bluebird card issued by American Express Travel Related Services Corp. I  made a return to a store ( XXXX ) for {$330.00}. The return went thru the normal credit card processing system, but when Amex received it they put it on hold for 7 calendar days. Their online gateway lists the transaction as Administrative Review. What is very upsetting is that their telephone representatives have told me several times that it is the merchants bank that is holding the funds and when Amex receives the funds they will credit my account. This is a lie. They simply use this excuse because they can not admit the truth. There must be some regulation that allows them to hold funds credited to the account for up to 7 calendar days. So as a matter of policy they automatically place a 7 day hold on any return over {$100.00}. They clearly use this as a way to make money on the float. If it were actually a function of the merchants bank not sending the funds in a timely manner to Amex they would address this with the credit card processor for XXXX because it would affect so many customers. Any regulation that allows them to hold funds credited to your account is designed to protect Amex from fraud or reversals. If they are doing this across the board then they are abusing the regulation at the expense of their customer for their own profit. I also have a regular Platinum Card from Amex and trust me they do not do this on that account. This is something they only do to their prepaid customers because they perceive them as an underbanked or unbanked, low-income population with no recourse. If they did this to their postpaid cardmembers they would loose too much business. But if they really had a problem collecting funds from merchants banks when items are legitimately returned they would have to make it a policy across all of their cards, which of course they do not. This happened once before but I didnt need the funds so I had forgotten about it. I like bluebird because they are the only prepaid card I have found without fees. But blocking access to their customers funds just because they can, and using this to increase their profits is insidious. Upfront fees would be preferable to being lied to and kept hostage from your own money. The irony, as usual, is that the only population that is abused this way by Amex is the one who can least afford it.
Consumer complaint received 2019-11-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (CA)

On Friday XX/XX/2019 at approximately XXXX I noticed that my Venmo account was frozen. I have a Venmo debit card which I use for cash back rewards and to deposit my income from XXXX and XXXX. However when I emailed the company regarding my frozen account they explained to me that I have no access to my funds and they will not explain why they are denying me my money. I have no way to transfer my money out of the account. I have done nothing illegally or used my funds for anything against their policy. I had {$250.00} in my account and now I only have {$100.00}. Meaning, half of my funds are missing and the funds that I do have in there are unattainable with no valid explanation as to why I can not access my hard earned money.
Consumer complaint received 2019-11-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (MN)

Beginning XX/XX/XXXX, Pioneer Credit Recovery has been calling our rental/business office with their phone calls for an attempt to collect a debt. At this time our office has received 9 phone calls in 11 business days. 
The phone calls have been coming from XXXX and asking that PCR be called back at XXXX. We have responded to each phone call and have repeatedly asked that they stop calling our office. 
The phone calls are being made through our contact phone numbers for our online advertising for our townhome rentals. Our advertising agency, XXXX XXXX, has also been notified of these calls and they are in the process of changing all of our contact numbers on our online ad 's. 
*See attached phone log of the phone calls from PCR. 
*See attached transcript of the phone call messages. 
* See attached online ad for our rentals. 
*See the attached email from XXXX XXXX from Navient/Pioneer Credit Recovery-which clearly indicates that we do not have or owe on any accounts with them. 
In our phone calls back to PCR we have requested/demanded that the phone calls stop but to no avail. 
On Thursday, XX/XX/XXXX, an email was sent to their CEO XXXX XXXX, XXXX XXXX responded to that email and assured our office that she would resolve the issue and the calls would stop, still to no avail. On this same date an employee in our office received their phone call, while the employee was with a potential rental applicant. 
We are a reputable XXXX XXXX XXXX that has been in business for over 30 years and we feel strongly that this is harassment. Again, each and every time we have received their calls we have responded and given them our numerous online contact phone numbers and they still have not stopped the calls. The phone calls are also being left on our voice mail. This needs to stop. We are a small reputable company that does not want our employees or others to hear these debt collection calls for an account that is not ours. If there is any other information that you would need, please do not hesitate to contact us for additional information. We are fortunate that our office and advertising company have complete documentation of all of the calls and the audio of each call. 
Prior to my contacting of XXXX XXXX, I had called the XXXX and had spoke to numerous representatives of PCR, including supervisors, all of which were terribly rude, condescending and none of which did anything to resolve this issue of these phone calls. They are targeting our small business for an account that is not ours.
Consumer complaint received 2019-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (MI)

IhavebeenacardholderwithAmericanExpresssinceXXXX.Nevermissedorlateonapayment.InXX/XX/XXXX,Iwas11dayslateduetobeinginvolvedinanautoaccidentandbeinghospitalizedforXXXXXXXX,XXXXandXXXXXXXX.Importanttonote;Iwasnotatfaultinthecaraccident.However,AmericanExpressusedthatreasontonearlydoublemyinterestratefrom17.99%to29.99%.IbelievethisactionbyAmerianExpressviolatesoneofthebasicprinciplesoftheXXXXCARDACT.Canyouimaginehavingyourinterestrateonanyloandoublethefirsttimeyouareafewdayslate?UNCONSCIONABLE!
Consumer complaint received 2020-12-14
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. (IL)

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE