davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-19
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (CA)

There are a few transactions at issue, all of which I brought to the attention of Barclay 's XXXX month ago, on XXXX/XXXX/15, and about which I have repeatedly written them, without receiving a single substantive response or explanation for why these charges are on my card. 

First, on XXXX/XXXX/15, XXXX transactions appear on my account. XXXX of them, for ( - {$30.00} ) from XXXX, is correct. That was a merchant refund ( minus shipping costs ) for a {$35.00} purchase I made at XXXX on XXXX/XXXX/15. However, the XXXX transaction listed on my account on XXXX/XXXX/15, a POSITIVE charge of {$30.00} to XXXX, is incorrect. I never made any purchase for {$30.00} on XXXX/XXXX/15. 

Second, on XXXX/XXXX/15, XXXX transactions appear on my account. Again, XXXX of them, for ( - {$42.00} ) from XXXX, is correct. That was a merchant refund for a purchase made on XXXX/XXXX/15, for {$42.00}. However, there are XXXX further POSITIVE charges to XXXX listed on XXXX/XXXX/15 for {$42.00}. This is incorrect. I did not make XXXX purchases of {$42.00} on XXXX/XXXX/15. 

As I stated above, I have tried repeatedly to have this issue resolved. Barclay 's promised me a resolution within 7-10 business days. They did not keep that promise. They then promised to call me to resolve the issue. They did not keep that promise either. I have contacted XXXX and they confirmed that they issued the refunds for ( - {$30.00} ) and ( $ XXXX ), and that there should not be any additional purchase charges on my account related to these transactions ( except for temporary authorizations ). However, the XXXX charges at issue are not listed as temporary authorizations on my Barclay 's account. Rather, they are listed as completed purchases on my most recent monthly statement, for which Barclay 's has demanded payment by XXXX XXXX, 2015. 

To repeat : there are XXXX mistaken purchase transactions on my account, totaling {$110.00} XXXX {$30.00} + {$42.00} + {$42.00} XXXX for which Barclay 's is demanding payment. Barclay 's has failed to provide any substantive response to my dispute of these transactions, except to give me empty promises that they will contact me. I have, to this date, received no oral or written explanation or justification for these charges, despite raising the issue with them multiple times, starting on XXXX/XXXX/15. And finally, the merchant, XXXX, agrees with me that I do not owe the amounts charged. 

I thank you in advance for your help.
Consumer complaint received 2015-10-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MA)

I contacted Navient regarding XXXX private loans on XXXX XXXX, 2015, I called in to the Navient customer service line and was advised by representative XXXX that I was eligible for revaluation of my monthly loan payment amount, due to recent change in income due to health related events. She advised me to call back in on XXXX XXXX, 2015, after my payment due date of XXXX XXXX, 2015 and request a revaluation of finances in order to decrease my monthly payment amount. She also offered to give me a call on the XXXX XXXX, 2015 at XXXX in order to assist me with the revaluation of finances. 

When I did not receive a call from this representative on XXXX XXXX, 2015 at XXXX, I called in and spoke with representatives XXXX and XXXX. They XXXX explained that I was misinformed by representative XXXX and that I was not eligible for loan payment recalculation and any that any possible payment that I make, below the past due amount for the month of XXXX, would not bring my account back to current status. 

I have since contacted the Navient advocate department via phone on XXXX XXXX, and requested that my call with representative XXXX be reviewed and revaluation of finances be granted do to the misinformation I was provided. Presently my XXXX private loans reflect past due because of this. 

XXXX contacted me late in the afternoon ( XXXX -- she leaves for the day at XXXX, this left me little to no time to return her call ) on XXXX XXXX during my scheduled work hours, I was unable to take her call. She left a message providing me with her extension XXXX, however I have attempted to contact her several times and she remains unavailable, with no option to leave a voice mail message. 

I have sent XXXX several direct e-mails, requesting that she contact me via e-mail as to avoid further miscalled and miscommunication. I have received no response from her, and my account continues to reflect past due amount, putting me in danger of being removed from the payment program, and ultimately affecting my credit score. 

I would greatly appreciate your assistance with resolving this issue.
Consumer complaint received 2015-08-05
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION (AL)

I have contacted Central Financial Control many times via phone and mail. I have also disputed this collection account with XXXX, which is the only bureau I have a subscription to. I do not believe this is a valid account - I do not believe I owe this money nor that this was ever my account. Rather than providing proof of debt, I received a latter demaning that I prove my own identity in the form of a driver 's license and social security card. I have refused. Further, Central Financial Control reported this colleciton as a " charge off '' in XXXX of 2015, the exact timing of my dispute. I believe firmly they have violated XXXX provisions of the FDCPA, specifically Section 809. I have requested multiple times that this account be removed and as of today, it still appears on my credit report. This is the only collection I have, and it is causing me great harm as I shop for a mortgage. Please help me resolve this issue. Thanks, XXXX
Consumer complaint received 2015-05-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (CA)

I took out a private loan in 2005 for what I thought was a reasonable interest rate of 7.68 % standard variable not fully understanding how it compounded at the time. The original amount was 15,000 and the outstanding balance as of today is XXXX. Over the time span of 8 years I have made over 12,000 dollars in payments and the balance has done nothing but gone up. I could pay off a home mortgage quicker than this. The school at the time was XXXX University XXXX however I took the loan out through a XXXX bank private student loan who has since then sold the loan off numerous times.
Consumer complaint received 2015-08-05
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BMO Bank, N.A. (CA)

My debit card was charged without authorization from XXXX XXXX XXXX in XXXX, NM. I submitted a fraud dispute with BMO Harris bank and received a provisional credit for a partial amount. 

The provisional credit was then reversed from my account with no warning or proof from the merchant that fraudulently charged my card in the first place for the amount of {$1100.00}.
Consumer complaint received 2015-10-15
Product: Credit card — 
Issue: Bankruptcy — 
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

I filed for bankruptcy in XX/XX/XXXX and was granted a discharge of all debts. In XX/XX/XXXX I pulled my XXXX credit report and noticed that Fifth Third bank has listed my account as being Transfer/Sold and as a charge off. I filed a dispute with XXXX and on XX/XX/XXXX XXXX reported that Fifth Third bank verified with them that the account is being reported accurately. On XX/XX/XXXX I contacted Fifth Third ( XXXX ) and spoke with XXXX XXXX who stated that in her system the debt was listed as discharged in Bankruptcy. I was then transferred to XXXX ( Bankrupcty Dept. ) who told me he would look into my concerns. On XX/XX/XXXX, XXXX called me back and said that after consulting with numerous employees in his department they determined that the account was being accurately reported to XXXX and XXXX. Under federal law, once a borrower has erased a debt in bankruptcy, banks are required to update the credit reports to indicate that the debt is no longer owed, and remove any notation of " past due '' or " charged off. '' This practice keeps this bill alive on my credit reports although it was legally eliminated in bankruptcy. Fifth Third has engineered what amounts to a subtle but ruthless debt collection tactic, effectively holding my credit reports hostage, refusing to fix the mistakes unless I pay money for a debts I do not actually owe.
Consumer complaint received 2017-05-20
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: EQUIFAX, INC. (NJ)

I have sent documents numerous times to Equifax, XXXX, and XXXX and they still refuse to correct my credit reports. The following Loans have been off since XX/XX/XXXX and the reporting agencies refuse to update my credit reports. The following loans appearing on my credit reports have been paid in full on XX/XX/XXXX : 1. XXXX - account numberXXXX amount paid {$2200.00} 2.  XXXX - account numberXXXX amount paid {$5400.00} 3.  XXXX - account number XXXX amount paid {$5500.00}
Consumer complaint received 2015-06-18
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (WI)

On XX/XX/XXXX, Midland Funding LLC filed a collections complaint against me. In XX/XX/XXXX, the case was closed without being heard, and I assumed nothing more would come of it. Late XXXX, I received a letter from their local representative, XXXX XXXX XXXX, XXXX, dated XX/XX/XXXX. It contained a verification of debt I had not requested, as well as a request to contact the firm to discuss the matter. I did not, and XXXX of the attorneys contacted me. I pointed out that " you ca n't squeeze blood from a turnip '' -- I am on Supplemental Security Income -- and I heard nothing more. Today, my phone listed a California number among the missed calls ; a quick lookup places it in the right area for Midland Credit Management, which Midland Funding , LLC is a subsidiary of. This is not the first time they have contacted me using untraceable burn phones, and, at this point, I would be more than happy to set up a way to record future calls to provide evidence that it is Midland. While it is n't harassment, per se, closing a case and then starting in on me out of the blue, and doing so in a way that theoretically can not be traced, does not encapsulate any sort of ethical collections practice. ( As an aside, I strongly suggest that a separate and thorough investigation be opened against Midland Credit Management and all its subsidiaries ; does a company that directs its employees to use burn phones seem like a company operating on the level? )
Consumer complaint received 2015-05-13
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Southern Oregon Credit Service, Inc. (OR)

I have recieved numerous calls from an individual who names me and says i need to return his call and that his name is XXXX. The number that came up on my caller id was different then the return call number left. I googled both numbers and found out that it is a collection company. They never said who they represented or what the call was about on the message. Just that i need to call them asap.
Consumer complaint received 2015-10-25
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (UT)

The problem is that the credit card company keeps using my information with some one else who has a car or a mortgage using my name I have been having problems with this force some time the problem is that I know how much credit I have used and I know how much credit I have not used that is a sign that I am responsible enough o know how much credit I have not used the other problem is that company 's should not be allowed to just tthrow any collections on my report the goal is to get the money if the company do not want to goq to couirut and XXXX XXXX the money then why make it easy force them to just throw some frivilouse non payment on my credit I have never bought a car or a house because of the fact that fir so many years in this XXXX company ' s have it to easy to just throw non payment debt on a person credit company 's should be forced to take the matter to court and discpute the claim not let it sit and XXXXDo nothing company 's know how much deceptive trade practicing they are minipulating and using all my life I have not bought a house because of the fact that the laws for credit bureas accountble. Credit reporting have gone unprotected force consumers like me who actually have the money to get a loan and pay it back if I wanted to do that I need to know what an be done by you to fix this or is this just some dumb complaint line going no wear resolving nothing you tell me!!!!!!
Consumer complaint received 2015-08-05
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: KEYCORP (OR)

Key bank holds all transfers in from other banks and credit unions for XXXX business days before giving you access to the funds. I have a XXXX XXXX Card with Key. We have a XXXX checking at a Credit Union. We also have a checking account at Key, but have not been using it for XXXX banking for a year because the same problem existed there with holds for XXXX days. XXXX. We get checks for XXXX regularly. We have to deposit then disperse some of this money within a day. This was impossible with Key 's rules so we moved to the XXXX for the XXXX checking. Now when we do a bank to bank online transfer from the XXXX to Key to pay down the XXXXcard, Key will not release any funds over {$200.00} for XXXX full business days. I recently paid {$5000.00} to the XXXX on XXXX/XXXX/15. on XXXX XXXX/XXXX/15 I still could not charge anything to the XXXX. I needed to order a new laptop and XXXX could n't get the charge to go through. I finally switched to a personal XXXX CC so I could get the laptop ordered and on it 's way - to run my business. Key insisted this is their policy and they are within their rights and the law to do so. I feel this is a predatory, non-consumer oriented policy that is hurting small businesses like ours. I do n't have lots of cash sitting around to absorb these things. I have to make payroll, pay my agents, and pay my bills.
Consumer complaint received 2020-04-16
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AG AH LLC (CA)

This is a complaint about an error I already reported to Arc Home LLC but am not getting any satisfactory results. 

I have a home loan with Arc Home LLC and mortgage payments have always been on auto draft. In XX/XX/2020, the auto draft didn't pull, and I was not given a reason why it didn't pull. 

Comes XXXX, I found out about it and already called Arc Home LLC to put the payments back on auto draft. In the same month, I found out that the " late payment '' was reported to the credit bureau and as a result, my score went down. 

I submitted a dispute on Arc Home LLC and result came back on XX/XX/2020 that they denied an error on their end. I called but am unable to get to an escalation path.
Consumer complaint received 2015-05-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (OR)

I first Disputed item " XXXX XXXX XXXX Partial Acct # XXXX '' on my Experian report in XXXX XXXX, and it came back verified. I disputed again on XXXX XXXX, XXXX, and once again it came back verified. 
Please see attached signed XXXX certified mail letter from the President of the alleged Original Creditor, XXXX XXXX at XXXX, stating neither they nor their XXXX XXXX XXXX XXXX have any record of me or this alleged account. 
Attached is also proof that XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are the same company. 
Under the laws of the FDCPA, I also have contacted " XXXX XXXX XXXX '' to request validation, and they have failed to respond to my request, so they can not have verified this account with Experian. 
I am not sure what more proof they want aside from a signed letter from the President of the Company, at this point they are willfully and negligently misreporting. 
Please find all relevant documents and Certified Mail receipts attached. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX
Consumer complaint received 2015-06-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (LA)

I contacted Experian about XXXX XXXX incorrect balance XX/XX/XXXX. They sent me correspondence on XXXX/XXXX/2015 and said that XXXX had been updated the balance reflected a XXXX balance, the balance is XXXX and XXXX XXXX balances remain the same. If they investigated why would they send me back incorrect balances? XXXX XXXX balances are XXXX XXXX, XXXX XXXX, XXXX. Please have them investigate these balances and report correctly. The information they sent me is completely wrong. if they did the investigation they would know that these are all wrong. They should be fined for not reporting correct info on a consumer report.
Consumer complaint received 2015-10-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CT)

On or about XXXX/XXXX/2015 I opened a checking account with JP Morgan Chase Bank to wit : XXXX XXXX XXXX, XXXX XXXX, CT XXXX using cash from my profit sharing funds from a former employer. After receiving my debit card then received a letter demanding that I provide proof of residence, a utility bill and/or a cellular phone bill. I reside at XXXX XXXX in XXXX XXXX CT which is classified as a boarding house and make weekly payments which provided me with a letter of residence as no lease agreement exists and all utilities are inclusive. I then provided a copy of my cell phone bill which was provided for a nominal fee as the company I am contracted with does not mail out statements they provided on line via e-mail. Neither were accepted. I was informed if did not provide adequate proof the account would be closed. Approximately a week later I attempted to use the bank issued debit card and was informed the account had been closed. I contacted Chase Bank and was in formed that a check with the remaining funds would be sent to my address and the address was verified. I was informed that this action would take 3 to 4 weeks. Having not received the funds I contacted the bank and was informed that the check was sent a trace was needed. I then waited an additional 2 weeks and received nothing. I have made several attempts to contact the bank in question and have only been able to leave a voice mail and NO representative has responded.
Consumer complaint received 2020-04-16
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (MI)

I purchased a home at XXXX XXXX XXXX in XXXX Michigan XXXX. The loan was made by XXXX XXXX XXXX. In my paper work I have a form that my wife and I signed that said my home is not in a flood zone and that my zone is zone X and that we are not required to have flood insurance. 

Cut to 7 years later and the loan is now serviced by Well Fargo and that are telling me I need flood insurance and that Im in zone AE and the map is from XXXX XXXX. 

I have sent them the documents that support that I dont need flood insurance and they still refuse to let me not have flood insurance. 

So I reached out and got a quote for flood insurance and the insurance company sent me to quote and on the quote it said that we are in zone X which is the lowest zone and even said I dont need flood insurance themselves.
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Re : Follow-up Complaint Regarding XXXX 's Failure to Block Fraudulent Information Previous CFPB Case # : XXXX To Whom It May Concern : I am filing this follow-up complaint against XXXX for their continued failure to comply with the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) regarding a fraudulent XXXX account ( Account # XXXX ) on my credit report. 
Facts : I have previously submitted all required documentation to establish this as identity theft : Police report FTC Identity Theft Affidavit Proof of my actual identity I filed a previous CFPB complaint ( Case # XXXX ) regarding this issue XXXX 's response failed to address the blocking requirement under FCRA 605B The fraudulent account continues to appear on my credit report Bridgecrest themselves refuse to provide information about the account, citing my identity theft report Legal Basis : Under FCRA 605B ( 15 U.S.C. 1681c-2 ), credit reporting agencies must block the reporting of information identified by a consumer as resulting from identity theft within four business days of : Receipt of proper identification from the consumer A copy of an identity theft report Identification of the fraudulent information A statement by the consumer that the information is not from transactions they made I have fulfilled all these requirements, yet XXXX has failed to implement the required block. 
XXXX 's response to my previous complaint ( " WE SHOW THAT YOU HAVE PREVIOUSLY DISPUTED THE SAME ITEM '' ) demonstrates a fundamental misunderstanding of their obligations under 605B. The blocking requirement for identity theft is separate and distinct from the standard dispute process under 611. The courts have consistently held that credit reporting agencies must treat identity theft block requests differently from standard accuracy disputes ( see FTC v. Credit Bureau Center , LLC, 937 F.3d 764 ( 7th Cir. 2019 ) ).

Requested Resolution : Immediate blocking of all information related to the fraudulent XXXX  account ( Account # XXXX ) as required by FCRA 605B Written confirmation of the blocking action taken Distribution of corrected reports to all entities that have received my credit report in the last six months I reserve all rights under the FCRA and other applicable laws. Please ensure this complaint receives proper attention as a 605B blocking request rather than a standard dispute.