davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Torriere Holdings INC (MI)

Spire Recovery Solutions LLC. illegally obtained my personal information and now they are stating that I owe a debt. Spire Recovery Solutions LLC. did receive written notification to validate this debt that they are accusing me of owing. Pursuant to Fair Debt Collection Practices Act, 15 USC 1692g. Spire Recovery Solutions LLC. must comply with validation request. Spire Recovery Solutions LLC. threatened to report invalidated information that I have requested them to validate. I also requested Spire Recovery Solutions LLC. to send written documentation validating this debt however, they did not send the debt validation. Spire Recovery Solutions LLC. are not complying complying with Fair Debt Collection Practices Act,15 USC 1692g
Consumer complaint received 2023-04-12
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. (CT)

Equifax Consumer Relations continues to report inaccurate information on my credit file, Account # XXXX XXXXXXXX XXXX, The Statue of Limitations has expired on this account and must be removed from my credit file immediately
Consumer complaint received 2023-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER HOLDINGS USA, INC. (MA)

I'm Is a small woman own business That banks with santander bank. On XX/XX/XXXX I made a deposit of {$160000.00} And the check came from eastern bank. On the deposit slipped that they gave me did not say there was going to be a hold or an extended hold on the check. On XXXX XXXX  they deposited XXXX XXXX XXXX XXXX and XXXX XXXX and XXXX dollars into my account. At this time I made out my payroll checks and I submitted payment to my vendors. On XXXX XXXX  I received calls from my employees let me know that all the checks have bounced. When I contacted santander bank they told me that they took the money out of the account and did an extended hold. When signing up for this account in their checkpolicy it does state that they have the right to do an extended hold but it does not state that they have. The right to deposit money into someone's account take the money out of the account not notify the customer and remove it from the ledger. I have made an official complaint with santander bank on XX/XX/XXXX and someone? Is supposed to give me a call. Back within twenty four hours and it is now going on a week and I have not returned my call. Also when I've requested from XXXX the supervisor in the fraud department a copy of the policy. He's telling me that it's internal only. What are my rights as a customer? Recently. Santander removed external notary from their services and never informed us as customers. I'm a XXXX XXXXXXXX. And I need to have lean waivers notarized for me to get paid. I would like to know what are my rights as a customer Because every time I call santander bank and speak with someone new like XXXX or XXXX or XXXX or XXXX. They all have a different answer for me and no one wants to answer my question directly. I need to know what my rights are as a small woman own business that operates out of XXXX massachusetts. Is it just the inner city people being treated this way or is this custom across the board.
Consumer complaint received 2023-04-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group (OH)

I've disputed this collection numerous times. I have no knowledge of this account. It keeps updating as if it's a new account. It shows this account was opened XX/XX/XXXX. I did not apply for anything with a debt collection company on that date. I have not received any correspondence about this debt to verify it. I've disputed it XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX with XXXX.
Consumer complaint received 2016-08-15
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (CA)

I am in the process of disputing several inaccurate items on my credit report which has taken several months to resolve. While attempting to access my report via Experian, I have been denied access to my records. This is highly frustrating and the website informs me that I now need to buy a report from them. I am not interested in spending money to correct errors and omissions on my report just to benefit Experian 's profits. I have tried several times over the course of a couple weeks to no avail.
Consumer complaint received 2023-04-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (ID)

I wanted to close my checking account at U.S. Bank ( U.S. Bancorp ). I firstly transferred out all my money ( total {$1500.00} ) from my checking account on XX/XX/XXXX. On the same day, I called U.S. Bank ( U.S. Bancorp ) service center to close my checking account. The representative of U.S. Bank ( U.S. Bancorp ) refused to close my checking account on XX/XX/XXXX. The representative said that I had {$1500.00} transfer with pending status and asked me to call them the second day. I followed their requirement and called their service center the second day ( XX/XX/XXXX ) and asked them to close my checking account again. Another representative refused to close my checking account again. The representative told me that they would not close my checking account if I dont pay them {$6.00} fee. I told the representative that this fee was not shown on my U.S. bank app yesterday ( XX/XX/XXXX ). I already informed U.S. bank to terminate my bank service yesterday XX/XX/XXXX. They never charged me any fees before. It is not reasonable to charge me fees when I want to close my checking account.
Consumer complaint received 2023-04-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (FL)

I am receiving invoices from CBE Group but I can not find which charges they are in reference to. I have paid some charges directly to the US Department of Veterns Affairs and they are very slow in applying money to the proper accounts. Their billing system is very slow. And then when I receive statements from CBE there is no reference to which VA billing statement these charges apply. 
I am still paying VA invoices that I receive for medications and office visits. How do I know if I am double paying my charges? This is unacceptable. I need reference to which invoices are being covered by the CBE Group. 

CBE Invoices in question : Ref : XXXX XXXX I would also like to get the Administrative Charges erased from these invoices. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2023-04-12
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. (IL)

XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX ~ XXXX XXXX XXXXXXXX - XX/XX/XXXX ~ XXXX XXXX XXXX - XX/XX/XXXX ~ XXXX XXXX XXXX XXXX - XX/XX/XXXX ~ XXXX XXXX XXXX - XX/XX/XXXX ~ XXXX XXXX XXXX XXXX - XX/XX/XXXX ~ XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX via XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX customer service at TransUnion or XXXX would not help correct my file by deleting the unauthorized inquiries reporting to your credit report.
Consumer complaint received 2023-04-12
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. (TN)

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX XXXX XXXX # : XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXXXXXX ACCOUNT # : XXXX This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing accounts. I have asked for proof of these Late Payments and they have failed to do so after sending several request certified mail as I will attach below. I am also aware these companies are not allowed to report transactions on my consumer report under 15 usc 1681a ( 2 ) ( a ) ( i ) - Permisible Purpose, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX
Consumer complaint received 2016-01-31
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NC)

In XXXX I became a Co-signer for my daughter on a XXXX XXXX Student Loan. At that time I believed this Loan was a Federal Loan and that XXXX XXXX was the supervising agent for the government. In XXXX my daughter obtained a second XXXX XXXX Loan using my brother as a cosigner. These XXXX loans totaled {$38000.00} at 10.553 APR. Currently the unpaid balances on these loans total XXXX my daughter was in school I was able to stay current with loan payments but in XXXX my daughter graduated and the total payments per month on the XXXX loan payments escalated astronomically from {$75.00} per month to over {$500.00} per month.Over the past two years, Navient has taken over supervision of these loans. In spite my best efforts to stay current on payments, the loans have gone into arrears. I have tried to stay current on these loans but the increase in loan payments have been too much for me to handle. I am a retired teacher with limited financial resources. I have tried to work out some reasonable terms for repayment of these loans but Navient has only offered limited reduction in the repayment rates. Meanwhile they continue to assess penalties for non payment that are driving the cost of repayment beyond realistic possibilities of my repaying the loans in my lifetime.Now we are being harassed by Navient, bombarded with multiple automated calls, often from what appear to be from outsourced agents in foreign countries who speak little or no XXXX. At this time I feel that my rights as a consumer are being violated and want your agency to investigate the collection practices employed by Navient especially as to the rates charged by them and the harassing tactics they employ. My daughter works XXXX jobs or less than XXXX dollars per hour and is unable to pay off these loans without my help.My wife has suffered with XXXX XXXX or over 12 years and is limited in her ability to work. We are not looking or a hand out. We just want to be treated airly with consideration for our rights as consumers.
Consumer complaint received 2015-12-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The CBE Group, Inc. (OH)

I am before the va appeal process on a debt of overpayment. The us treasury has hired a cbe debt collection agency ( twice ). The first took my federal taxes last year and now this agency is threatening me with wage garnishment. 

I have spoken with a lady at the va appeal board by phone and says they can not do this, it is harrassment and i have told them this. 

yet they still harass me and now want to attach my wages. 

I want this stopped and my last year taxes reimbursed due to illeagally obtainment.
Consumer complaint received 2023-04-12
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. (CA)

Not only are there inquiries on my report that I did not receive anything for which is a form of identity theft but there are accounts on my credit report that have not been validated thoroughly and correctly, been removed and reported on again, and my wet ink signature proving my CONSENT to share my PERSONAL AND PRIVATE information with these third party credit reporting agencies was NOT obtained.
Consumer complaint received 2016-09-13
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO. (WA)

XXXX transactions made on XX/XX/XXXX, and XX/XX/XXXX, to XXXX XXXX XXXX for the amount of {$1400.00} and {$160.00}. Disputed on XX/XX/XXXX. Received a permanent credit from Chase Card Services. Merchant later on filed in claim at small claim court against me. Would like to have an official response from JP Morgan Chase that : ( 1 ) Is the dispute decided in my favor or in merchant 's favor, ( 2 ) was the permanent credit issued because it was resolved in my favor, and ( 3 ) why decided in my favor. Thank You!
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NC)

I have had several issues with Navinet. I could not afford my payments they sent it to collections without informing me. It went on my credit and is still on my credit saying I 'm am not current and I am because if I did not set up monthly payment plan they would take me to court did not ask me to provide any financial information all they wanted was my bank account information. They get their money every month automatically while I could use that money to provide food for my kids. Customer service is a joke there they do n't listen or care to know what is going on. All they want is money every month. I have been trying for almost two years to improve my credit but ca n't because of how they have it listed on my credit. I receive a monthly statement from them and even though I pay monthly it is still has not decreased like it should. Its frustrating knowing I pay monthly and not get any where because of how they apply my payments. The very sad part was I did n't even know I had a loan until 3 years ago. I enrolled to a collage online. I never received any money. Or infrormation about it at all to help pay for my classes. The collage took it all and I had to drop out because I simply could not afford it. The collage wanted me to take a loan out and I said no. The next thing I knew I received a letter saying I owe money
Consumer complaint received 2023-04-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (UNITED STATES MINOR OUTLYING ISLANDS)

I received another letter from Midland credit management. A cease and desist letter was sent out last year and now here I am today being contacted by letter, which is a violation of my rights.
Consumer complaint received 2016-06-22
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: ALLY FINANCIAL INC. (NY)

Ally Bank Checking Account : I recently deposited a check in my checking account on XXXX XXXX, 2016 electronically via my mobile device which was approved the following day. The funds show in my account under " current balance '' but are not available to me. I called the bank as I noticed my account was overdrafted by {$86.00} yet I just deposited a {$25000.00} check. The bank stated that the funds would not be available to me until the next 5 days as my account was flagged for frequent overdraft charges during the last 6months. However, instead of admitting this was an unfair practice, the bank instead is charging me additional overdraft fees during this period. Essentially they are blocking me from having funds available that would prevent these exact overdraft fees from being charged. This is pretty obvious to me they are exploiting a common practice in the industry which other banks were just fined for and this bank simply has just gotten away with it.
Consumer complaint received 2016-01-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Capio Partners, LLC (TX)

I need assistance disputing a debt with Capio Partners in the amount of {$1700.00}. I have never obtained services that would result in the mentioned debt. This account has to be a instance of identity theft. 

Please advise!
Consumer complaint received 2023-04-21
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: Experian Information Solutions Inc. (PA)

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything of my consumer report which violates my rights as a federal protected consumer NO CONSENT IS IDENTITY. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-04-21
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: Experian Information Solutions Inc. (TX)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2015-06-11
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC. (VA)

I want to submit a complaint regarding my bank Suntrust. Last week I was assessed an NSF fee of {$100.00} for a checking account that was not actually overdrawn. I had unexpected purchase as a pending charge to the account of {$49.00}. The charge was for a membership to my gym and is n't consistently charged at the same time every month. The pending charge made my available balance less than I had into the account, so I transferred money into it to cover it. I checked the account a couple of days later and saw that a fee of {$100.00} had been posted for charges that at that point were still pending. I immediately contacted by bank. After speaking with several personnel. I was finally put into contact with someone that removed the charges. 

My issue is as follows : How can you charge a fee on something that has not occurred yet? Pending charges are just that pending charges. Many times, I have had pending charges for duplicate purchases or errors show up on my account. It seems to me that my bank is placing posted fees on pending charges. This strikes me as completely unethical and may be illegal. I was able to get in touch with someone and have it resolved. I am certain that there are people without the resources to do so that get stuck paying these fees. Since banks fees accrue, they basically stacking fees daily and now they have the ability to do that before your account is technically overdrawn.
Consumer complaint received 2023-04-21
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. (OH)

I reached out in XXXX via USPS certified mail to let the company know how them publishing incorrect information on my consumer report had adversely affected my life and made requests for them to remove the incorrect information and also acknowledge the damage the incorrect information had caused my family and I
Consumer complaint received 2016-07-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (IA)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2015-11-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

I applied for a credit card and was denied. I 'm told my credit reports areblocked. I ca n't get a answer from the credit Co 's. Who placed the block? 
It was n't there in XX/XX/XXXX when a leased a car, and can I remove a blockPlease adviseThank youXXXX XXXX