davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC (LA)

I attempted to use my milestone credit card at a gas on XX/XX/XXXX XXXX the machine requested a pin number. I cancelled the transaction because I did not set up a pin and never had before. I tried to call the company but they were closed. today, XXXX XX/XX/XXXX, i call and they tell me that my account was perm closed and had been closed since late XXXX. the reason they state was because they sent me a letter back in XXXX for possible fraud. 

my gripe is because on multiple occasions, this company has locked my card and I have called in to ask them why and all they said was that they need to verify information. the last time i did this was XXXX and XXXX XXXX XXXX  XXXX to my understanding, my card was unlocked after me calling in and verifying my date of birth, address, etc. NOW they tell on the SAME EXACT DAY ( XXXX XX/XX/year> ), they placed ANOTHER LOCK on my card and then my WHOLE account on XXXX XX/XX/year>. 4 days later! they state that they sent a letter which I never got or opened asking me to verify AGAIN! They give no warning or anything about locking my card, account or anything. I have been traveling all summer and making my payments ( which they happily accept even though my account was locked AND even took one while closed on XXXX XX/XX/year>! ). 

this is fraud or at the least discriminatory behavior for the amount of times that I have to call and unlock my card and how they have no problem taking my payments even though they say they cant verify who I am. I literally called and verified and they locked my card again on the same day of XXXX XX/XX/year>! They said I didnt even make a transaction but they got a fraud alert. how?!
Consumer complaint received 2023-03-27
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX, TRANSUNION, AND XXXX ARE REPORTING MISLEADING AND INCORRECT INFORMATION ON MY CREDIT REPORT. THEY ARE REPORTING A COLLECTION AGENCY NAMED XXXX ON MY CREDIT REPORT WHEN I HAVE NO ASSOCIATION WITH THIS COMPANY. THE ORIGINAL CREDITOR IS XXXX XXXX XXXX XXXX XXXX AND THEY SOLD THE ACCOUNT TO COLLECTION AGENCY XXXX XXXXXXXX XXXX XXXX XXXX. YOU ARE ALSO REPORTING DIFFERENT DATES FOR DATE OF LAST PAYMENT AND DATE LAST ACTIVE. HOW IS THIS ACCURATELY REPORTING WHEN ALL DATA FURNISHED SHOULD BE CONSISTENT? THIS IS A COMPLETE FCRA VIOLATION INCLUDING REPORTING A DIFFERENT COLLECTION AGENCY FOR THIS ACCOUNT. I AM DEMANDING THAT THIS ACCOUNT IS DELETED IMMEDIATELY.
Consumer complaint received 2024-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (NY)

On XX/XX/XXXX I opened the dispute for the charge of {$64.00} showing in the credit card under XXXX XXXX. The order that I placed on XX/XX/XXXX with XXXX  for XXXX wind chimes was never delivered to me so I requested to cancel the order and asked for the reimbursement. 
The moment I opened the dispute, I was asked by XXXX to cancel the dispute to have my money returned by the seller. As requested, I cancelled the dispute on XX/XX/XXXX. Until today, I have not received the money which the company itself admitted in the e-mail of XX/XX/XXXX however on XX/XX/XXXX the seller submitted the statement to Discover that the money was returned. Based on the blank statement not supported by any documentation of such action the bank declined to reopen the dispute when I called on XX/XX/XXXX and requested me to submit additional documentation supporting my claim of unresolved dispute.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

Why am I still receiving emails from the bureaus claiming XXXX assisting credit repair companies? This is incorrectI send the letters myself. Take action now, or I will pursue legal action. Here is the list of negative accounts and inquiries I want to remove. 

XXXX : XXXX XXXX  XXXX Account Number : XXXX {$2400.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX Experian : U S DEPT OF EDXXXX ( CONSOLIDATED DIRECT LOANS ) Account Number : XXXX {$31000.00} XX/XX/XXXX U S DEPT OF ED/XXXX  ( Original Creditor : CONSOLIDATED DIRECT LOANS ) Account Number : XXXX {$22000.00} XX/XX/XXXX XXXXXXXX XXXX XXXX Account Number : XXXX {$2400.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX {$2400.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX
Consumer complaint received 2023-03-13
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: W&A Intermediate Co., LLC (NC)

Wakefeild do not own the debt. Telephone they used doesn't work when you try to call back. The medical debt has /was being handle by healthcare insurance. I told them to cease and desist ANY weather contact with me by via email, US Postal services, any mail carry service, text message, telephone calss and or reporting any information to any credit bureau reporting agencies. They still keep harrassing me by US postal service about a debt they do not own the chain of title to. The male represenative was rude. He told me why dont I just pay my bill and discussing my personal medical information violating HIPPA.I do not owe money this issue was result through insurance. Wakefield has harassed me after i i told them repeatedly to STOP. reference numbers XXXX ref # XXXX amount {$400.00} XXXX ref # XXXX amount {$210.00} These collection agency are selling the debt without chain of title, NO ownership something needs to be done about this level of harassment. This is unfair and deceptive pratice trades and a violation under the consumer fair credit Act.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (MI)

XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Dispute Regarding Inaccurate Information on Credit Report Violation of FCRA 15 U.S.C. 1681i Dear CFPB, I am writing to formally dispute inaccurate and inconsistent information that has been reported on my credit reports from the major credit bureaus. Under **FCRA 15 U.S.C. 1681i**, I am entitled to have any erroneous or unverifiable information corrected or removed from my credit report.

I have identified the following inaccurate information, which appears differently across the three major credit bureaus ( XXXX, XXXX, and XXXX ) : Self Financial/Lead Bank **Account Number** : XXXX **Discrepancy** : The status of this Account on XXXX says and paid closed. {$530.00} written off. But on XXXX the status of this account says just Charge off then on XXXX the status of this account says payment after charge off/Collection. Then the status update says XX/XX/year> on XXXX. On XXXX the status Updated says XXXX 2024 but on XXXX the status update says XX/XX/year> the balance Update doesnt have a date on XXXX and on XXXX XXXX balance update is XX/XX/year> but on XXXX XXXX balance Update is XX/XX/year> and the Address to Self Finanical/Lead Bank is different across all 3 Credit bureaus. 
This information has negatively impacted my credit score, and I believe it to be inaccurate and in violation of the FCRA 's requirement that information must be reported consistently and accurately by all credit bureaus. As a consumer, I am requesting an investigation into this matter and that any unverifiable or inconsistent information be removed or corrected. 
In accordance with **FCRA 15 U.S.C. 1681i**, I kindly request that the CFPB intervene in this matter and take appropriate action to ensure that my rights under the FCRA are upheld. Please provide a written response detailing the actions taken by the CFPB and the credit bureaus to resolve this issue. 
I have attached copies of my credit reports, along with any supporting documentation, to assist in your investigation. Please feel free to contact me if further information is required. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-19
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Leap Credit, LLC (MO)

Agreed to a settlement with leap credit of XXXX in the amount of XXXX paid the first payment of XXXX. Then received a default judgment on this due to their attorney taking this to court. Then I received a wage garnishment in excess of XXXX dollars. Tried to contact the court they wouldn't help, tried contacting the attorney no reply. Contacted leap and they were confused about the attorney going to court
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

Experian has reported incorrect addresses, spelling of my name and phone number. I have reached out to Experian via phone and mail with no updating. I need the following deleted : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL. XXXX NEVER LIVED HERE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL. XXXX NEVER LIVED HERE XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, IL. XXXX NEVER LIVED HERE XXXX XXXX XXXX XXXX XXXX, XXXX, IL. XXXX NEVER LIVED HERE PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, XXXX, IL. XXXX Please delete phone number XXXX. This is not my phone number. Update phone number to XXXX. 

Please correct the spelling of my name. My full name is XXXX XXXX XXXX. Please delete XXXX XXXX XXXX.
Consumer complaint received 2024-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (CA)

I went into my SoFi bank account and it said restricted to call so I called and they said that they were checking it for fraud to protect me and since it was the weekend they would know more after the weekend well that week went on and same runaround people just telling me that it was being checked out by the fraud department and there was nothing they could do well this is gone on now for three weeks And I get told they just need to have the guy that sent me the money confirm that he sent it so I have him call and they say no they cant help because hes not a customer with them so I call back again and then they give me the same runaround and its been three weeks and my whole entire life is crumbling. I had to get a new phone because mine got shut off, so I had to get one that I am leasing so I have a new phone number now on top of everything I had planned to see my daughter. I havent seen in a year because she lives across the country has all just went up and smoke and they dont care and they put me on hold and they put me on hold and they wont. They wont let me speak to a supervisor they always say theres no supervisor so I stay on hold until I get somebody, Ive got one supervisor and now hes not calling me back because theyre waiting for it to be the weekend where they cant help me at all yet again the third weekend that I locked out of my account Im literally these people theres recordings of it. I cant believe how ridiculous this is. My freaking bills arent paying my rent rent, not paid. Im literally in a car with no air conditioning. Cant get it fixed. Have no availability to my money for almost a month and Ive done nothing wrong.
Consumer complaint received 2024-09-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (NY)

I initiated a XXXX USD funds transfer from my bank account to another bank. The money was sent via USPS, untracked first class. 
The transfer was initiated on XX/XX/2024. The funds were supposed to be available today and as of this time XXXX pm EDT the funds have not transferred yet.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (IL)

Recently, I did an investigation on my credit report and found improper use of my report not allowed by laws 15 U.S. Code 1692c, and Section 609 ( a ) ( 1 ) ( A ).
Consumer complaint received 2024-09-11
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (TX)

I owed a debt to XXXX XXXX XXXX and settled the amount on XX/XX/year> and the representative for them has refused to provide proof of payment and also has refused to approach the client to retrieve the paperwork. I am a XXXX veteran at risk of homelessness because of this refusal to correct my report. I can not apply for a home loan anywhere. I upheld my expectation, they need to uphold theirs. Requests by email are met with refusal or saying that " We can't send you anything until the client signs and returns the release. ''
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (GA)

I am a victim of lending and I have a pending litigation with XXXX for not properly investigating. As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Consumer complaint received 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Total Card, Inc. (TX)

Total Card charged me {$41.00} late fee on XXXX. I had just paid {$80.00} on XXXX. I didnt even have a balance. They would not increase my credit limit saying I was late on payment.
Consumer complaint received 2024-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma (MI)

My claim was denied claiming the ip address for the claim came from my address. After I showed them and told them how I lost my phone which my case is my wallet at my residence. So of course the ip address was in that location its an apartment complex anyone could have taken it and used it here. I re ordered and canceled cards upon discovery.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (NY)

My student loan provider reported my payments as a late payment on my report and I never missed a payment. They never send me a latter or contacted me regarding any late payments. 
In Accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 
15 usc 1681 section 602 states I have the right to privacy.

15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666b a creditor may not treat a payment on my student loan account under open end consumer credit plan as a late for and purpose.
Consumer complaint received 2023-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

There are Hard Inquiries that should not be associated with my account, If I do not or have not been officered a line of credit then they should not be pulling my credit. Please assist me as each time they do this you are aware of the cost it could impose on all of us daily. Thank you for your help.
Consumer complaint received 2024-07-10
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: Experian Information Solutions Inc. (NY)

I am writing to formally dispute and contest the accuracy of certain accounts listed on my credit report. Upon meticulous review, I have identified discrepancies that raise serious concerns about the integrity of the information being reported. These inaccuracies, specifically late payments, do not reflect my financial behavior or history accurately. 

I have taken proactive measures to address these discrepancies by contacting the respective bank associated with this accounts. I am pleased to inform you that after thorough investigation, this bank has acknowledged the errors and have agreed to update my accounts and remove the late payments. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ProCollect, Inc. (TX)

Today XX/XX/XXXX procollect reached out by email sending me debt verification for todays date they never sent me as debt verification or debt validation back in XXXX all the sudden when I filed complaint with existing problem they want to send some paperwork to me by email which the account balance is incorrect
Consumer complaint received 2024-09-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

XX/XX/XXXX, I paid a total of {$750.00} to loans XXXX Consolidation ( {$350.00} ), XXXXXXXX XXXX Subsidized ( {$200.00} ), and XXXX XXXX Unsubsidized ( {$200.00} ) online on Navient.com. Once the payment was processed, the updated balances for these loans reflected updated payments for XXXX ( {$8800.00} ), XXXX ( {$2200.00} ), and XXXX ( {$4600.00} ). 
However, XXXX weeks later, XXXX, my newly acquired loan servicer, said that loans XXXX Consolidation and XXXX XXXX Unsubsidized had successfully transferred with balance on loans XXXX ( {$9100.00} ) and XXXX ( {$4800.00} ). The balances did not reflect XXXX 's payment and were the same as the XX/XX/XXXX balance on loans XXXX ( {$9100.00} ) and XXXX ( {$4800.00} ). XX/XX/XXXX was the last time Navient applied my payment to loans despite Navient updating the loan balances in XX/XX/XXXX. 
I have contacted Navient by phone and email to get the payment/adjustment returned. I have copies of email correspondence telling me to wait 20 days, approximately in XXXX XXXX. Between XXXX and XX/XX/XXXX, I received instructions on uploading proof of payment, which I did twice. My documents were successfully uploaded and then deleted. I called and emailed Navient 's customer service team and was to contact XXXX because payment was sent to them. I did contact by phone and through the website. Customer service sent me a letter stating that they received no payments directly from me or through Navient. I have continued to contact Navient and the customer service team through email. All responses from Navient including from Office of the Customer Advocate, Sr. Customer Advocate XXXX XXXX state this matter has been resolved. 
Time and time this company has been allowed to commit financial robbery by changing loan terms for their profit and then refusing to adjust same terms.