davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-23
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: Experian Information Solutions Inc. (NJ)

AS I EXPLAINED IN COMPLAINT # XXXX AND COMPLAINT XXXX. I MAILED IN A DISPUTE VIA CERTIFIED MAIL THAT WAS DATED XX/XX/2020, ( MAIL VIA CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX. This certified mail was received, signed for, and delivered into Experian possession on XX/XX/2020, as recorded and detail by the U.S. Postal Service. AFTER BEING RECEIVED BY EXPERIAN THEY FAIL TO START A INVESTIGATION AND AS OF THE XXXX DAY, THEY WERE IN VIOLATION OF THE FCRA SEC. 611 ( A ) ( 1 ). LET 'S BE CLEAR THIS CAN BE PROVEN BY MY RECORDS AND THE U.S. POSTAL SERVICE 'S RECORDS. IN WHICH I WILL SEEK DAMAGES FOR IN A COURT OF LAW FOR EACH PERSONAL INFO ITEM THAT WAS NOT INVESTIGATED. SO TO EXPERIAN 'S LAST RESPONSE TO CFPB COMPLAINT # XXXX MY DISPUTE DID NOT REQUIRED FOR YOU TO INFORM ME ON HOW YOU STORE INFORMATION GIVEN TO YOU BY A CREDITOR. I SPECIFICALLY SUPPLIED YOU WITH A COPY OF MY STATE DRIVER 'S LICENSE, SOCIAL SECURITY CARD AND CURRENT UTILITY BILL. PROVEN MY IDENTITY AND INFORMED YOU THAT I GO BY NO OTHER NAMES. YET INSTILL YOU FAIL TO LAUNCH AN INVESTIGATION AND VERIFY THE INFORMATION YOU WERE BEING TOLD AND REVIEWING THE PROOF OF THE CREDITOR 'S CLAIM. I WILL SEE YOU IN COURT FOR THE VIOLATION LISTED ABOVE. I WILL BE SEEKING DAMAGES FOR YOUR WILLFUL AND NEGLIGENT REPORTING THAT IS CAUSING ME HARM TO MY FINANCIAL WELL BEING
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (CA)

I received a XXXX XXXX credit card in XXXX of 2011 when purchasing a toaster oven online and returned the oven when it malfunctioned for a full refund. Instead the credit card statement showed a balance due of {$5.00}. I wrote the bank - Comenity of Ohio the issuer of the card about this but they refused to do anything. Over time the balance grew to {$44.00}. 
Comenity reports this account delinquent and my credit report is now bad. Several bank card companies have reduced their credit lines to me referencing this delinquency. 
Last month Comenity sent a letter saying that as I have a " good payment history '' they forgave {$30.00} of the amount shown past due. My current statement now shows a balance due of {$15.00}. Thus over five months the incorrect {$5.00} has increased by {$10.00} all of which is the $ XXXX monthly minimum interest fee times 5!
Consumer complaint received 2020-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX and XX/XX/XXXX, my wifes credit was stolen from our home. The perpetrator used our card at local stores and spent almost {$1000.00}. We reported the fraudulent activity to Citibank/Citi Cards. Weve reported it to Citi on at least 5 occasions. They are claiming that the fraud charges were not coded properly. The fraudulent charges have been reposted to our account and Citi is now claiming it may take up to 90 days to investigate. I have no idea why we are not being credited with the fraudulent funds. Again the charges initially we reversed and then suddenly they were reposted.
Consumer complaint received 2020-05-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (GA)

I contacted CONVERGENT OUTSOURCING and indicated I needed to know how the cable company ( XXXX ) had come to the amount they were trying to collect. ( {$400.00} ) I asked for them to send me a debt validation to include how they had come up to the amount. I indicated I had every intention to pay if I could figure out the nature of the charges as I believed that the owed amount was already addressed previously. I never got the debt validation and I see that this agency reported me to the credit bureau ( XXXX  ). I contacted the agency again and they informed me that they were going to report my account to yet another credit bureau unless I make the payment in full prior to them reporting it to XXXX  as well. I asked them if they had sent the debt validation via certified mail, since they would be able to see that I never got it. They claim certified mail is not a requirement and they only send via regular mail. I have verified the correct address but I am not getting the mail. Now I have two  options, wait for the debt validation and have my credit report be affected even more. Or make the payment blindly without getting the debt validation.
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

MY COMPLAINT IS AGAINST CAPITALONE, XXXX XXXX XXXX XXXX XXXX,VA. XXXX XXXX   PHONE.   I PURCHASED VIA INTERNET FROM XXXX FLEA/TICK TREATMENTS FOR MY CATS-XXXX  AND XXXX, ON XX/XX/20 FOR $XXXX USING CAPITAL ONE'S CREDIT CARD ENDINGXXXX. I CALLED XXXX  TO DETERMINE DELIVERY TIME. LADY I SPOKE TO SAID BECAUSE OF COVID19 WILL TAKE A LITTLE LONGER. IT IS NOW XX/XX/2020. NO DELIVERY YET. PLACED 2ND CALLS ABOUT 12-15 DAYS LATER. NO LONGER ANSWER PHONE IN XXXX BUT THE XX/XX/XXXX.TOLD ME THEY COULD NOT HELP ME. 3RD CALL TO XX/XX/XXXXAGAIN SAME RESPONCE. STARTING AROUND XX/XX/XXXX THRU XX/XX/XXXX I HAVE CALLED CAPITAL ONE AT LEAST A DOZEN TIMES AND PROBABLY MORE TIMES. TRIED ALL THE NUMBERS I COULD FIND. ' IT IS MY BELIEF CAP1 IS USING COVID19 TO MAKE THEIR CUSTOMER SERVICE EXPERIENCE 100 TIMES WORSE THAN USUAL.!!' TO SAVE MONEY.  ONLY WANT TO DISPUTE THE CHARGE AND GET MY MONEY BACK FROM XXXX. THANK YOU XXXX XXXX   XXXX
Consumer complaint received 2021-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (FL)

NOT A DUPLICATE : I can not consider this case closed because Cash app reverse their decision on my fraudulent claim and debited my Cash app. My Cash app balance is - {$750.00}. 

I am appealing their decision for a disputed transaction from Cash App dated XX/XX/XXXX through XXXX XXXX XXXX. 
Cash App debited {$750.00} from my XXXX XXXX banking account that they initially returned ( {$750.00} ) to my account due to fraudulent activity on XX/XX/XXXX ( ref : XXXX : ref ). 

I am a XXXX y/o widow. My service-connected husband of 44 years of marriage, served in the XXXX XXXX, died XX/XX/XXXX ( 6 years ago ). I live alone and I manage all my affairs by my self. 

However, I am asking for your mercy to reverse your decision and credit my account of {$750.00}. As stated in my initial claim letter, I downloaded a " XXXX XXXX XXXX XXXX '' app that gave the hacker access to my Cash App account. At that moment, I believed this " fake '' XXXX XXXX agent was a legitimate XXXX XXXX agent. 
It is unfortunate that this hacker has no respect for the elderly and willfully exploit them. 
I immediately notified Cash app of the fraudulent claim and they returned the money to my account. However, on XX/XX/XXXX, Cash app reversed their decision and debited my XXXX XXXX account to collect the {$750.00}. 

I am on a fixed income and I need my {$750.00} to pay bills. I must save for emergencies as well because I am a widow and do not have the financial support of my husband. 

I am educating myself on recognizing fraudulent activity, such as phishing, which also happened to me. 

Thank you in advance for reversing your decision and return {$750.00} to my XXXX XXXX account.
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I received a XXXX XXXX credit card in XXXX of 2011 when purchasing a toaster oven online and returned the oven when it malfunctioned for a full refund. Instead the credit card statement showed a balance due of {$5.00}. I wrote the bank - XXXX  of Ohio the issuer of the card about this but they refused to do anything. Over time the balance grew to {$44.00}. 
XXXX reports this account delinquent and my credit report is now bad. Several bank card companies have reduced their credit lines to me referencing this delinquency. 
Last month XXXX sent a letter saying that as I have a " good payment history '' they forgave {$30.00} of the amount shown past due. My current statement now shows a balance due of {$15.00}. Thus over five months the incorrect {$5.00} has increased by {$10.00} all of which is the $ XXXX  monthly minimum interest fee times 5!
Consumer complaint received 2020-05-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (GA)

PHOENIX FINANCIAL COLLECTION AGENCY CONTINUE TO VIOLATE " HIPAA '' / MEDICAL PRIVACY ACT, " FDCPA/ FCBA '' WITH REPORTING OUTDATED MEDICAL ACCOUNT XX/XX/XXXX ( 3X ) ON ALL CREDIT FILE " NOT MINE '' / NEVER DONE BUSINESS WITH MEDICAL PROVIDER. ..NOTE : COMPANY CONTINUE HARASSMENT CALLS/ AND MAIL NOTICES OF ACCOUNT NOT COLLECTIBLE, ID FRAUD ACCOUNT AND FORMAL COMPLIANT FILED WITH BBB AND FTC FOR UNFAIR PRACTICES
Consumer complaint received 2020-05-27
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (VA)

I am in limbo between two mortgage companies. My current mortgage company, Freedom Mortgage, purchased my loan from XXXX XXXX  back in XX/XX/2020. The issue is there was an unpaid balance that wasn't included to fulfil the payoff in its totality. XXXX XXXX  is coming after me for the remaining balance, and Freedom Mortgage is coming after me for this months payment. I have called Freedom Mortgage countless times but have been given the run around, and even hung up on twice. I am able to make my monthly payments. However, I am NOT prepared to pay both my monthly payment and XXXX remaining balance that is remaining due to XXXX. Just today I called Freedom Mortgage, and was transferred, and had to explain this complete disaster over and over again to four different people, only to be told again " I'm sorry XXXX XXXX, but thank you for your service. I see that this is a VA loan. I don't know what to do because this has never happened. Please hold while I transfer you over to our closing department because I don't know what to do ... .click ''! The phone hangs up and I'm left with no answers. I have been told for over a month that someone would call me once this issue is resolved so I can make my XX/XX/XXXX payment. Mind you, it is now XX/XX/XXXX. Instead I received a mortgage statement from Freedom mortgage in the amount of {$2900.00}, to include {$58.00} late fee. I have NEVER missed any mortgage payment or even been late. This has been the worst experience I've ever encountered with any company. Currently I am seeking legal advice on how to move forward. I pray no one else has to experience this.
Consumer complaint received 2020-05-27
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. (NY)

I was put into forbearance without me asking for one, agreeing to one or signing anything regarding one. My credit bureau for more my mortgage now states 'affected by natural disaster '. They also removed my auto-pay feature because of this erroneous account status. I have been trying to resolve this for 3 weeks. I made several calls, emailed and faxed documentation that was requested and still nothing. I emailed them on XX/XX/14 and this morning again with the info they requested. Spent another hour on the phone this morning asking for a supervisor that never came. I am supposed to re-fi my mortgage now that may not happen because THEIR error. My mortgage is current and has NEVER been delinquent.
Consumer complaint received 2020-05-27
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: Experian Information Solutions Inc. (TX)

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. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX Company Inquiries XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-27
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. (NY)

I have an inquiry from XXXX XXXX XXXX but I never applied for XXXX XXXX ... I have a XXXX account but never applied for their credit card. I have reached out to them on at least 2 occasions and sent a letter to TransUnion because TU does not allow you to dispute inquires online. They say they are investigating but this occurred on XX/XX/XXXX and I called to complain only days after. They did not give me case number the first time I called but they did the second time : XXXX
Consumer complaint received 2020-05-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA COLLECTS & has destroyed my Credit. See attatched. CREDIT CARD FRAUD CLAIM {$470.00}. 1 ) USAA HAS NOT PROVIDED PERMANET CREDITS {$470.00} ( 2 ) TWO YEARS LATE. ** Kindly Note Complaint is ALSO 2 ) USAA JUST PROVIDED FRAUD CREDITS FOR XX/XX/XXXX {$460.00} ON XX/XX/XXXX. TWO YEARS??? ** AFTER DESTROYING MY CREDIT.
Consumer complaint received 2020-06-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (GA)

I called to verify a debt XXXX that was on my credit at one time {$630.00}. But it is no longer on there. I disputed it before and found out the debt was sold to Midland Cred. I  called today on XX/XX/20 and Midland Cred told me I was not obligated to pay. I told them what of I wanted to pay the {$630.00} in full today. Midland Cred stated I was not obligated to pay anything due to the account was closed. The company stated they will send me a No Obligation Letter in 7- 10 days. I told him I needed the letter asap could they send it another way. They stated mailing was the only way. I told him I need the letter asap to give to my employer. They stated I could place my employer on my account so they can access it. So I placed my investigator name on account so she can access it.
Consumer complaint received 2020-05-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TD BANK US HOLDING COMPANY (TX)

SUE FOR A DEBT THAT WAS PAST THE STATUTE OF LIMITATIONS FTC VIOLATIONS The statute of limitations bars creditors from suing for unpaid debts after a certain period of time. If you have old, unpaid debts, you might be safe from a lawsuit to collect the debt. A creditor or debt collector has a limited number of years to sue you for an unpaid debt. 


ITS LAW
Consumer complaint received 2019-07-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: ZARVAD III S.A. (LA)

On XX/XX/2019 I was approved for a {$500.00} payday loan advance and I hgave them my info but now their server is down and no one will return my calls!!!!
Consumer complaint received 2020-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Atlanticus Services Corporation (NY)

I do not have dates because they are not showing up on anything the Credit card company has given me but I got an ASPIRE Mastercard and its not accepted most places that Mastercards are accepted. This has been going on since I got the card, I called todayNd they said I had a {$7.00} available credit when there automated service and app says I have {$140.00}, they told me I must be buying it from insecure places but unless every shop in XXXX County is unsecured I thing the security issue is more likely on their end. They are charging me fees for a card I can barely use. This has been happening since I first got the card and knew it had to the full amount approved by the credit card company available. I hope you will look into their practices because I have never had issues like this before with any credit card
Consumer complaint received 2020-06-02
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (PA)

I have a ReliaCard from US Bank for unemployment payments. I was able to make the first two transfers to my personal bank account successfully. The third transfer I received an error. I tried calling the customer service number hundreds of times only to be disconnected after being on hold for hours. I then  went to XXXX and saw many complaints. I DMd US Bank and they responded. After several days going back and forth I was able to make one transfer. Now Im trying to make another and am receiving the same error as before. They know there is a problem again and Ive not heard from anyone. 

This card is issued by the Commonwealth of Pennsylvania, but yet you can not get your money and there seems to be no urgency to respond or correct the problem. You can see all the complaints on social media. I need access to my money. Please help!
Consumer complaint received 2020-05-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (WI)

On XX/XX/2020, New Res debited from my checking account a final loan payment in the amount of {$1100.00}. My principal balance was {$710.00}. On XX/XX/2020, I sent a message to the NewRes servicing department to confirm that when the final payment was received, they would pay the loan off and any overage would be returned to me. On XX/XX/2020, I sent a written request via their customer service email, requesting that they apply the {$1100.00} they were holding in unapplied to my loan, pay it off, and refund me the difference back. I received no response. On XX/XX/2020, I contacted NewRes via phone to request they apply the {$1100.00} they were holding in unapplied to my loan, pay it off, and refund me the difference back. They assured me it would be taken care of before XX/XX/2020. On XX/XX/2020, I contacted NewRes via phone to again request they apply the {$1100.00} they were holding in unapplied to my loan, pay it off, and refund me the difference back. They apologized for the delay, but assured me it would be taken care of before XX/XX/2020. 
As of XX/XX/2020 at XXXX XXXX XXXX, my loan is not paid off. At this point, NewRes is currently in violation of the Federal Prompt Crediting Rule. More than sufficient funds have been collected by  them, but they refuse to apply these funds to my loan.
Consumer complaint received 2020-06-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

In XX/XX/XXXX I applied for an Income-Driven Repayment plan along with proof of my unemployment payments and submitted to my server Navient. On XX/XX/XXXX I received a letter indicating they were unable to process my IDR plan because I provide a proof of income but the document was not dated and that the document did not have a portion of it that was income taxable. On XX/XX/XXXX I resubmitted my original certification from unemployment with more dates, my weekly benefit amount, thr income tax withholding and payment issued. On XX/XX/XXXX, Navient sent me another letter stating what was on the first letter. I called Navient and they stated the print out from XXXX was not good enough and that I need to write down what I get from unemployment with the date that I wrote the letter included. I expressed that the document Government document was all I had to show my income and that XXXX restricts from printing certain documents. Navient told me that they would not proceed processing my IDR.
Consumer complaint received 2024-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  XXXX Bankruptcy - XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX Bankruptcy - XXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

1. XX/XX/XXXX : a ] {$130.00} was automatically withdrawn from my Citibank account # ending in XXXX by XXXX. 
b ] I am not nor have i ever been a XXXX  customer. XXXX  confirms this. 

2. On or about XX/XX/XXXX a ] I filed a dispute with Citibank ( issue # XXXX ). 
b ] My debit card was cancelled and a new one issued. 
c ] I requested Citibank block XXXX  from accessing my account. 

3. XX/XX/XXXX I received a credit of {$130.00} to my account. 

4. Sometime between XX/XX/XXXX and XX/XX/XXXX : Citibank gave XXXX my new debit card # 5. XX/XX/XXXX XXXX withdrew {$270.00} using my new debit card number. 

6. XX/XX/XXXX I filed a dispute with Citibank XXXX issue # XXXX ) 7. XX/XX/XXXX a ] claim still hadnt been resolved b ] Received a letter from Citibank requesting information that was not relevant to my claim ( such as was the merchandise damaged? Did I have a receipt for my purchase, etc. 
c ] Called Citibank again who reopened the claim. 
d ] Filed a dispute with XXXX  ( issue # XXXX XXXX 8. XX/XX/XXXX a ] followed up with Citibank who opened another claim ( # XXXX ) with their fraud department 9.  XX/XX/XXXX Received a letter from Citibank rejecting my claim # XXXX due to the amount of time that has passed since this charge was first billed. 

10. XX/XX/XXXX a ] Contacted Citibank again. Was advised to appeal in writing. Given sub case # XXXX. 
b ] lost faith in XXXX effort to replace money they erroneously deducted from my acct on XX/XX/XXXX XXXX