davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-17
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. (IN)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NY)

I should be qualified for public service loan forgiveness. I sent Mohela my forms by mail and fax in XX/XX/XXXX and never heard back. I called and was asked to submit again in XX/XX/XXXX. I did so. It is now XX/XX/XXXX and they still have not process my forms. The only resolution available is to submit again and wait 4 months for there " normal '' processing time to find out whether they lost it again or not. The outcome of this process substantially impacts my financial and tax choices and I'm being held in stasis by their inadequate process.
Consumer complaint received 2023-04-17
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. (NV)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

As you may be aware, Chase Sapphire Rewards offers rewards points for travel purchases made with a Chase Sapphire card. However, I have encountered a significant problem with accessing these rewards points today, XX/XX/2023. It appears that my name, XXXX XXXX, is similar to a name on an XXXX list of individuals who are under US sanction and not allowed to purchase airplane tickets or hotel reservations. Despite my repeated attempts to explain that I am a US born citizen and not the same person as the one on the XXXX list, I have been denied access to the Chase Rewards Portal due to this computer error. 

I have contacted both Chase Rewards and Chase Sapphire customer service multiple times to try and resolve this issue, but have not received any satisfactory responses. I was even instructed to petition XXXX directly to have my name removed from this list, which is not a viable solution as my name is only similar and not identical to the one on the list. 

As a paying customer and voting member of your constituency, I am reaching out to you for assistance in addressing this issue with Chase Rewards. It is my belief that by denying me access to the portal, Chase Rewards is knowingly limiting my ability to access rewards programs that they advertised as one of the primary benefits of being a Chase Sapphire cardholder.

I am asking for your assistance in urging Chase Rewards, JP Morgan Chase, or any other affiliated entity to allow me to access their online portal to purchase flights and hotels and receive the rewards points that I was duly promised from them as a paying customer. I believe that it is important for credit card companies to be held accountable for their actions and to ensure that their customers are treated fairly and equitably. 

Thank you for your time and consideration, and I look forward to hearing from you soon.
Consumer complaint received 2023-04-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (GA)

I Sent a validation a debt letter to LVNV Funding LLC and they failed to send in the requested documents that are by law required to be disclose if requested by law.. Instead they sent in a made up documents claiming validation of debt..
Consumer complaint received 2024-10-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Resurgent Capital Services L.P. (CT)

LVNV FUNDING LLC with account # XXXX, with a balance of {$2700.00}. This is a default judgment that I am unaware of because I never received a loan from LVNV Funding LLC. however LVNV violate the judgment an increase the amount from {$2700.00} to {$2800.00} this is a violation of the FCRA and my rights as a consumer therfore I asked for a clear investigation on this matter.
Consumer complaint received 2017-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

National Credit Systems is attempting to collect an illegitimate debt on behalf of XXXX XXXX XXXX, specifically their property in XXXX, FL for which I was notified by the leasing office that I never signed the final and complete copy of the lease for on XXXX XXXX, XXXX. I never moved into or received keys to this property and National Credit Systems is attempting to collect the amount owed for an entire lease term, despite the fact that the proper paperwork was, according to the property, never completed and turned in. Going off of what was sent to me in the voicemail on XXXX/XXXX/XXXX, ( which I have proof of ), I assumed that no action needed to be taken. I am not responsible for this debt in any way.
Consumer complaint received 2016-09-26
Product: Bank account or service — Cashing a check without an account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

My wife XXXX away in XXXX and had a credit card balance of {$12000.00}. Instead of being a XXXX, I chose to pay it off. I should have not paid it I guess, because it never showed up as paid, and lowered my credit score from XXXX to XXXX, with no way to ever be able to raise it. 
What they did was wrong, and it gets worse. Today, I have spent over two hours to find my credit report, and a way to contest it. Here is why. The online access to XXXX doesn ', t work unless You can upload documents, and I can, t because I only have a tablet .I c n't call XXXX because they have an automatic phone that does n't have the prompts to help people like me. So, rather then reward me for twelve years of payments, they XXXX me, lowered my credit score so I will never be able to raise it. I have XXXX items at the credit bureau, XXXX which I can prove are invalid with supporting documentation. Their behavior has led me to be turned down from them, and XXXX other business, which made my credit score go down. What are consumers supposed to do when banks are allowed to participate in this type of behavior? I had a mortgage ( XXXX ) with boa which was paid off in XXXX. I have court papers that prove I was n't in control. I have XXXX valid debt at the credit bureau which I will pay. The rest are not even valid, but XXXX has a network that wo n't allow you to talk to someone in person. So now i ca n't receive a credit report, or a disclosure form to validate their claim. I thought that it was illegal A consumer should 't have to spend hours on the phone to obtain this information. 
I would like boa to remove any reports on my credit report that should n't be there, and provide a credit report, and valid forms to remove documents. 
XXXX XXXX XXXX XXXX XXXXXXXXXXXX Turned down for a secured credit card. What 's up with that.
Consumer complaint received 2017-03-07
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (MO)

I have requested numerous times for Santander Consumer to provide clear consistent information and verification of the debt i owe them. Each of my credit reports shows different information and they continue to show an open Charge Off. I have disputed directly with no follow up or information given. They continue to report every month. I have disputed with the XXXX major credit reporting agency and they continue to report every month. None of the information they are reporting is correct because none of it can be verified. I want Santander Consumer to remove all traces of there collections claim from the XXXX major credit reporting agencies XXXX, XXXX, and XXXX. I also want in writing that this issue has been resolved as Santander Consumer based on research and Class Action suits brought up against them and won, will continue to pursue debt that is not theirs to collect.
Consumer complaint received 2016-07-22
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: PHH Mortgage Services Corporation (PA)

Was given a closing date of XXXX XXXX, 2016. XXXX XXXX came and we were notified that closing that day would be impossible due to underwriting issues. This was fine, after we were notified we talked to our loan processing rep XXXX XXXX. She told us that worst case scenario the closing would be by XX/XX/XXXX. After been given this information my husband and I took a week of vacation for the week of XXXX XXXX. On XXXX XXXX the last business day before our closing we were notified that closing would again be pushed back. At this point we contacted XXXX 's Supervisor XXXX XXXX, he assured us that worse case scenario the loan would be complete and we would be able to close on XXXX XXXX. Well it is now XXXX XXXX and at about XXXX we were contacted by our loan specialist XXXX letting us know that now we are looking at closing on XXXX XXXX. This is ridiculous. Not only has my family been living out of packed boxes since XXXX XXXX but my husband and I both used a week of vacation to make sure we would be off to move. Not only have we wasted a week of our vacation but we are constantly be strung along with these false expectations of closing dates that come and go and we are n't notified until the business day before that the actual closing date will be pushed back again. We are due out of the current place we are renting XXXX XXXX, if this closing gets pushed back even further I will owe for another month of rent.
Consumer complaint received 2017-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have previously submitted disputes to Equifax and XXXX regarding fraud that occurred by certified mail and did not receive a response. I 've also attempted to resolved with them directly with no success. I have attached all the fraud forms including police report to get this resolved asap. 

The accounts in dispute are : XXXX XXXX XXXX - Amt Obtained {$460.00} - FRAUD XXXX - Amt Obtained {$3600.00} - FRAUD XXXX XXXX - Amt Obtained {$1100.00} - FRAUD XXXX XXXX - Amt Obtained {$1700.00} - FRAUD XXXX XXXX XXXX XXXX - Amt Obtained {$11000.00} - FRAUD XXXX Personal Loan - Amt Obtained {$13000.00} - FRAUD XXXX XXXX - Amt Obtained {$10000.00} - FRAUD XXXX XXXX XXXX - Amt Obtained {$7000.00} - FRAUD
Consumer complaint received 2017-12-29
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE (NC)

On XXXX XXXX, 2017, I purchased a {$1000.00} at XXXX in XXXX, GA, from Western Union. This money order was sent to XXXX XXXX who claims that the money order was never received. This check has not been cashed. I have attempted many times to contact Western Union without success. Neither has the form been faxed to me per the telephone messages. It is impossible to speak with a live representative with Western Union.

I have tried over and over to place a stop payment. I have also sent the necessary documentation required. Unfairly, West Union charges the customer {$15.00} to secure this refund which appears to be very greedy. 
Money Order No. XXXX
Consumer complaint received 2017-12-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (SC)

A Collection company by the name of XXXX XXXX continue to re-age an un validated bill on my credit report. When I talked with them, I was told that they had the right to do so. This bill is with XXXX and the date of delinquency is XXXX XXXX, XXXX. They are making it like I just opened the account, thus damaging my credit score every month. Please help me.
Consumer complaint received 2017-12-30
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. (LA)

I have tried on multiple occasions tried to have hard inquiries that where unauthorized removed from the reporting credit bureaus. I have sent letters, called, and everything Im not sure what else to do its making it hard to obtain credit. I have copies of the letters if needed.
Consumer complaint received 2017-12-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Over the years since XX/XX/XXXX, I have been trying to resolve the issue of getting behind in payments through loss of income by various methods. My request for loan modification in the earlier years were never approved. Today, Bank of America has  filed a Notice of Default against the HELOC, recorded XX/XX/XXXX. Today I mailed a QWR to XXXX XXXX XXXX XXXX XXXX again. I had sent several QWRs over the years and never received an adequate response. I also have mailed two Rescission Letters and appropriate measures were not taken according to the law regarding the rescission process, therefore the Deeds of Trust and Notes are void.

I have attached the correspondence.

Also, the CA statute of limitations ( CCP 336a ) has passed for any attempts to collect on a note or deed of trust and the alleged servicers continue to attempt to collect an alleged debt, also violating the FDCPA as the alleged debts were never legitimately validated.
Consumer complaint received 2016-12-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (PA)

I have had a great deal of problems with the lender Navient in the recent year. Last year if you look at my history they charged the wrong bank account and it was a big debacle getting things squared away, it took close to 6 months. Anyways, they are at it again and are taking payments but XXXX is being applied to my balance. My balance is going up monthly and I am making payments. This should n't be happening. I am keeping a detailed record on XXXX spreadsheet of each loan and the payment allocated whether principal or interest and this past month my total balance went up. I also had a payment applied that did n't do anything to a loan. I also believe they are n't applying correct interest rates and are double dipping into my account.
Consumer complaint received 2017-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX use my identity and share my information with another person and there is 16 unauthorize hard inquiries on my credit report.My credit scores is around 500. 

Also Transunion and XXXX has n't deleted the negatives of unauthorize hard inquiries and negatives after Bankruptcy chapter XXXX on XX/XX/XXXX it was discharged on XX/XX/XXXX by Federal Judge.
Consumer complaint received 2017-12-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (KY)

I have already submitted the required Paper work indicating that my XXXX card was stolen. The company has lost my paperwork and is demanding I reinvent the wheel. No. I refuse to refill this paperwork out yet again. 
This company has been contacting members of my family via phone and telling them to please have XXXX XXXX call me regarding very important information
Consumer complaint received 2016-12-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (IA)

On XX/XX/2016 I was advised by XXXX in the XXXX with Equifax that my credit file was going to be locked and that they needed me to submit my Social Security Card as well as a XXXX form XXXX to them via fax to verify my identity after I have been dealing with them for going on a year now filing disputes on my credit report. I recently submitted a complaint with the CFPB on XX/XX/2016 against Equifax and when I asked them why they were responding to my complaint with information that they received from XXXX of the company 's on XX/XX/2016 which is prior to when I submitted my complaint with the CFPB they decided to transfer my file over to the Consumer Affairs Department who is now requiring these documents be submitted to them which I did comply and submit the documents on XX/XX/2016 and faxed them to Equifax. I called Equifax XXXX XX/XX/2016 and asked them to REMOVE the lock off my credit file and they told me no they were not going to remove the lock off my credit file until they are able to verify my identity which could take XXXX hours which I believe is in violation of my rights to lock my credit file. I have filed a complaint with the FTC as well as filing a complaint with my local senators office regarding this matter.
Consumer complaint received 2017-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

In XX/XX/XXXX, I received notice from my credit reporting agencies regarding an account with XXXX. This account was closed over ten years ago at my request. All statutes of limitations have expired on this account and it is against the law for this to be appearing on any current credit reports. XXXX has falsified contact and payment information starting in XX/XX/XXXX in order to continue damaging my credit and increasing the amount of this falsified debt. XXXX had refused to remove this from my credit reports. Furthermore, all three agencies ( XXXX, Equifax, XXXX ) are still reporting this expired debt. All of my attempts to remove this negative report have been ignored by XXXX as well as the three credit reporting agencies and they continue to violate fair credit reporting laws. XXXX is a predatory lender and a simple XXXX  search on the internet will reveal how many military personnel and their families have been hurt by this company. XXXX went so far as to contact me after I had been XXXX XXXX in order to establish this account with me. It clearly states in their own policy that XXXX accounts are for active military personnel only. I was approached while undergoing medical treatment at a VA hospital and should never have been solicited in my medical condition to open an account as a veteran. Upon closing my account, and attempting to set up a reasonable repayment plan, I was denied, and they immediately reported it and refused all attempts by me to remedy this debt. My final contact with them was in XX/XX/XXXX and I have had no further contact by telephone, text, email or US postal service. However, they continue to falsify credit reporting statements with fictitious statements regarding payments and communiques. This allows them to continue to report what should be an expired debt.
Consumer complaint received 2017-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (AZ)

I had a Chase credit card ( ending XXXX ) that I cancelled on XX/XX/XXXX at XXXX M.S.T. 
after contacting Chase via phone. 
I informed Chase that the card and account was cancelled and that I would NOT accept any new cards. 
They ignored it all. So, keep up my requests. I did so at least 34 times via secured Chase e-mails, multiple recorded phone calls, and 1 ( one ) letter on XX/XX/XXXX to their main office : Chase Services XXXX XXXX XXXX XXXX, DE XXXX I informed them I wanted a reply that they acknowledge the card ending XXXX and account were closed along with any bank links and that I would accept NO further cards. That, if in fact, the did not reply or issue additional cards I would contact the SEC, Federal Reserve, BBB, and State Attorney General of Arizona, and will consider possible legal action against Chase The ignored contact, letters, and calls and then issued a card ending XXXX without my permission. 

Im still receiving paperwork for this new card via the U.S.P.S. and my old ( XXXX ) account is not closed. 
It has affected my credit rating. 

Their actions are fraud! They refuse to comply.
Consumer complaint received 2017-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am a victim of identity theft. The following fraudulent and unauthorized credit card dont belong to me because this account was lost/stolen and all of the charges/transactions are fraudulent and unauthorized, and dont belong to me : XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2015-08-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

I checked my credit report from XXXX. On the section of credit inquiries. I found there is XXXX from XXXX which I do n't recognize. On the report it says XXXX XXXX, De XXXX. I have no idea what kind of card is this, and I never ever applied any card from this unknown bank. I want this incorrect error removed from my credit inquiries in my credit report. I have included the screenshot of the hard inquires from my XXXX credit report. I have no idea what this inquire is. And the most important is, I never ever applied any card from them.