davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-09
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: RSR & ASSOCIATES INC. (CA)

I received a call from the debt collector who stated I owed {$1800.00} to pay day loans and that a suit was pending and if I did n't pay the debt I could lose my license and my banking privileges, be on probation for writing a false check in XXXX 2015, it scared me senseless. He also said he was connected to the XXXX office and put me on hold to see if debt could be reduced and hold off on the law suit, they then sent me a docu share to sign for monthly payments. In the mean time I got a call from time warner collection agency and she told me it was a scam and that this fellows business had been shut down and the person named on the docu share a XXXX XXXX was his secretary. 
I did take care of the bill in full with the reputable company and have documents bill is paid. I had attempted to pay the bill thru pay day loans but could never get thru, I stopped payment on them because they were deducting {$150.00} every pay period ( bi weekly ) and nothing was coming off of the balance. 
The lady at the reputable company gave me her direct line tel # and she recommended I file a complaint against the other guy who 's phone # I have. Said his name was XXXX XXXX probably a false name If there is anything I can do about this please let me know XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-27
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. (NY)

I was never late on the paid off account listed above. Please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete this alleged late payment from my credit report. The FCRA allows 30 days for this to be rectified.
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (CA)

On XX/XX/XXXX, I checked my credit rating on my banking app and discovered it was much lower than expected ( I hadn't done this before having just found this feature in the app ). I found a credit card I did not recognize from Barclays Bank of Delaware that had late payments in XXXX and a balance of {$40000.00}. Also, a XXXX, TX address I did not recognize. I called Barclays immediately and reported it saying it was not me and was identity theft. They responded in writing in a XX/XX/XXXX letter saying they were denying my claim and included the last four digits of the card number XXXX. I called them again on XX/XX/XXXX and requested the full card number and the application, but was denied and told they would raise it up to the next level or review. On XX/XX/XXXX, I called again having not heard from them but this time with an XXXX XXXX XXXX representative helping me. Barclays then requested a letter with documentation, something they hadn't requested previously. On XX/XX/XXXX, I mailed them a two-page letter explaining it was not me that applied for the card and that I have never lived in XXXX and that I've lived in XXXX at my current address since XXXX. I included a police report, copies of utility bills and State of California paycheck stubs from XXXX and XXXX. They said they would respond in 30 days. After at least six phone calls between XX/XX/XXXX and XX/XX/XXXX, they finally responded only after I threatened to sue them. Their XX/XX/XXXX letter again denied my fraud claim and was word-for-word identical to the one they sent in XXXX. It is clear they never intended to approve my claim and remove the card and XXXX address from my credit history as I requested. They are incompetent, negligent, and have demonstrated bad faith throughout this process. I have hired an attorney who instructed me to submit this complaint with the CFPB. I can only hope you have some power to force Barclays to remove the card from my credit history.
Consumer complaint received 2023-12-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Called Capital one bank in early XX/XX/2023 and requested the release of the funds in checking AND savings. Total {$1600.00} Was told that it was under investigation for " fraud '' and would take 90 days for the investigation. Called XX/XX/XXXX ( 90 days ) to request status of the refund and was told " 7-10 business days '' to release the money. Called again on XX/XX/XXXX and was told, again, " 7-10 business days to close the account and release the funds ''. Capital One Bank has been holding MY money for over 5 months. I want the money refunded.
Consumer complaint received 2024-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NH)

I am at 120 eligible payments for Public Service Loan Forgiveness ( PSLF ), but despite certifying my qualified employment through XX/XX/XXXX, Mohelas count leaves me at 118 qualifying payments or 2 shy - ineligible for PSLF forgiveness and ineligible for forbearance pending final review. However, the count is inaccurate and does not take into account XXXX of XXXX, which is listed in their records in error as ineligible due to forbearance ; however, this was Mohelas administrative forbearance that is supposed to count towards PSLF due to the return to repayment fiasco and per Department of Education communications and press releases, WILL qualify ( as they did for XXXX and XX/XX/XXXX why not XXXX? ) and the XX/XX/XXXX payment was made and the employment certification was processed after that date, but XX/XX/XXXX is not accounted for in the PSLF total count. I submitted secure messages through Mohelas portal which have gone unanswered, with the exception of one that indicated the assumption my question was answered because they saw I called two days prior what they did not see is someone transferred me to someone who could help and I sat on hold for nearly two hours before needing to get on with my life. I have little faith in calling in as this experience is typical of any past attempts to reach them by telephone. I understand I could continue making payments and if/when this ever gets sorted out, those would theoretically be refunded as 120+ payments, but if I cant trust Mohela to update their system accurately, I do not trust sending any overage in the hopes they eventually straighten it out and refund it. I immediately disputed the count through Mohela and the Department of Education complaint process, but Mohela returned a notice reaffirming the count as if a human did not check the dispute reason and it was just a computer regurgitating the incorrect information.
Consumer complaint received 2023-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (AZ)

I received an Comdata " debit '' card from XXXX XXXX This card was provided to me for donating XXXX. They advised me that there are ways to withdraw funds without fees and inside the envelope was a " list of all fees '' paper. This list is on the other side of the welcome sheet where the debit card is glued. I got this card because times are hard and donating was a way to help. The List Fee list " Bank teller withdrawal ( for banks participation in the XXXX XXXX ) '' as the ONLY was to avoid fees when withdrawing funds. I went to XXXX Bank on XX/XX/23 to withdraw {$200.00} for the last two donations. The teller at XXXX advised me that the transaction was declined. I currently have a {$200.00} balance on that card. I then called the customer service number listed on the card, XXXX, and asked where I can withdraw funds without fees. She told me that I can not avoid ATM fees. I explained to her the list fee sheet and read the relevant part verbatim and asked if that was a lie. She told me, " I am sorry, but yes. It is a lie ''. Anytime I withdraw funds, I am subject to Comdata charge of {$1.00} plus whatever the ATM 's owner charges, per withdrawal. I received this card and pamphlet six ( 6 ) days ago on XX/XX/23. The information that comes along with the card, should be accurate and current. I also believe that there should be ways for consumers to use their debit card, without having fees withdrawn, just to access their money. During the call with the customer service agent, she told me that I can go to a Regions Bank and avoid fees. That bank is located in Texas, and I am in XXXX. Comdata/XXXX  fees of {$1.00}, plus the ATM 's owner fee ranging from {$2.00} to {$3.00} per withdrawal is unreasonable. ComdataXXXX is also making it difficult to transfer the funds I have on their card, to my personal bank.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2023-09-26
Product: Credit 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: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/2023 I made a purchase for legal services with a Law Firm in XXXX, XXXX. I paid using my Navy Federal Visa Credit Card. I never received any services from this law firm in XXXX and the law firm has stopped responding to any of my requests.Navy Federal denied my dispute claim for fraud protection claim for the moneys I paid this law firm ( I paid {$6900.00} )
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have informed the credit bureaus and XXXX XXXX  that I've been an identity theft victim because my personal information was compromised. I initially contacted XXXX XXXX  and told them that this account was not mine, and I got the credit bureaus to remove the fraudulent charges placed on my credit report. However, the bank and the credit bureaus have ignored my request and continue to report derogatory and fraudulent remarks on my credit report. Therefore, I am filing this report to request that this fraudulent account be removed from my credit report and my records because I did not know this account existed. Someone opened this account without my permission, and once I discovered the existence of this account, I requested that it be closed. I asked them if they would remove the derogatory account from the credit report. They said they would remove it, but the bank and credit bureaus never did.
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I received a letter from Capital one stating they were the fraud department and requesting me to call XXXX however this is not the number to the capital one credit card fraud department. When I called the number they asked for my social security number which I didnt give out.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TRANS UNION ONCE AGAIN REVERTED TO A 30-DAY LATE ON MY REPORT WHEN THEY REMOVED IT LAST MONTH. TRANS UNION DOES THIS EVERY OTHER MONTH AFTER SEEING THEY ARE REPORTING INCORRECTLY. THIS HAS BEEN AN ONGOING ISSUE SINCE XX/XX/year>. PLEASE ESCALATE TO THE LEGAL DEPARTMENT. SEE SCREENSHOTS AS PROOF THEY ARE RUINING MY CREDIT WITH THEIR INACCURATE REPORTING!!!!!!!!!!! XXXX HAS REPEATEDLY SENT NOTICES EVERY OTHER MONTH ; THIS ISSUE NEEDS TO STOP!!!!!!!!!!!!!
Consumer complaint received 2023-06-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Chime Financial Inc (AZ)

Hi I have numerous emails going back and forth with chime XXXX bank regarding the credit builder account that they continually tell me that its closed but is showing open on my report. Ive asked for resolution Ive asked how to pay and resolve but nothing has been done I dont what theyve changed but they say theyve changed the report but it shows the same. Over 30 emails back and forth with no resolution I have messages since XX/XX/23-until present Ive been communicating. Theres a balance of XXXX dollars and no way to resolve the situation according to them
Consumer complaint received 2023-07-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (WA)

First of all, I want to start with that my first complaint about the XXXX XXXX in your file from 2020 was never resolved. The creditor had charged my account twice for a product not ordered nor received. They only credited me once, so the amount is still owed to me, please follow up. 

Secondly, I now receive a debt collection request from XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX, or XXXX XXXX XXXX, XXXX, NC XXXX, original creditor XXXX XXXX XXXX XXXX {$4000.00}, phone ( XXXX ). I requested validation of debt since the original creditor disputes the existence of this account. 

Instead, I receive an ID theft form that asks for all my personal information. Certainly, I will not give this to a scam company, and ask that you request that this company pays the {$1000.00} FDCPA penalty directly to me, since they can not provide an itemized statement nor any validity of this debt within 30 days as requested when the first debt notice was received. Otherwise, JCS, XXXX would also need to pay my legal fees, while this matter will go to court in WA.
Consumer complaint received 2023-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I mailed a check to XXXX XXXX XXXX sheriff for XXXX and someone altered the check to XXXX XXXX XXXXXXXX XXXX for XXXX and my bank Wells Fargo let it go through I am a victim of check washing I want the bank to return my money They failed to monitor this suspicious check I closed my acct but they are delaying the return of my money
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

On XX/XX/year> the items below have been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of reinserting a previously deleted item ( 15 U.S. Code 1681i ( a5B ) ). I did not receive any such notification. Delete the items immediately or I will be forced to take legal action! This situation has caused me considerable stress and sleepless nights. I have spent countless hours and days over the years on the phone, researching, and disputing these errors on my credit report a problem I didn't cause. The negative impact this has had on me, my children, and my ability to hold a steady job has been severe. I've even been on the verge of filing for bankruptcy. Experian and its associated companies like XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX have all played a part in disrupting my life. Their errors prevent me from securing housing or stable employment, despite this being completely out of my control.
Consumer complaint received 2023-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (FL)

My mortgage company receives {$1000.00} every month from the XXXX  for my account. I paid down my escrow shortfall earlier this year in one lump sum and that lowered my monthly payment to {$1000.00}. Last month they applied the {$1.00} difference to my escrow. This month they did not apply it anywhere. I called multiple times and it was confirmed that they did receive the full {$1000.00} on the XXXX of XXXX after being erroneously told that the XXXX sent hem a lower amount this month. I also confirmed with the XXXX  directly that the amount they sent did not change. I was then assured that it was applied to either principal or escrow and that it would take a few days to show up on my end. Well that never happened and when I called and investigated further, I was told that it was not applied but placed in a XXXX  bucket and that they would put in a request that it be either applied to principal or escrow. That has still not occurred.
Consumer complaint received 2023-04-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC. (MD)

I was divorced and had to place my car in bankruptcy, I didn't want to lose it. Covid-19 hit us and during that time the trustee for bankruptcy was sick and then passed away. The temporary trustee asked that I pay a lump sum of $ XXXX in XXXX, I could not. I then got cleared of bankruptcy and called Santander in XX/XX/XXXX to work out a settlement, in which they did and it was reasonable. I also asked if they could lower my monthly bc I was struggling with the {$490.00} that was issued to me in the settlement, Santander declined to lessen my monthly payments. I was then furloughed by my former job by 10 hours in XX/XX/XXXX. I constantly called Santander and told them I was struggling and asked to lower my monthly again but to no avail. 
I made less payments bc I could not pay with less pay, food prices soared, gasoline went up, all utilities did as well and my rent increased as well. 
I got an interview with my current employer, another bus company. 
I gave my former employer 2 weeks notice and he held my checks. I had no money for rent, car, food, gasoline and I had been working at another job but had to wait 2 extra weeks for pay, so 4 weeks without pay at that time. 
I was constantly calling Santander and told them I would be making larger payment XX/XX/XXXX when I have pay day. They repossessed my car XX/XX/XXXX. Santander did not warn me, did not submit a letter of repossession, Santander was cold and deceptive in not being honest about my car being fine until the following Friday which was my full pay day. Very unfortunate of this loan company for hard working people like myself, who deserve a second chance and patience knowing the situations at hand. 

XXXX XXXX
Consumer complaint received 2015-10-28
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Protas, Spivok & Collins. LLC (DC)

XXXX issued me XXXX with a {$12000.00} limit. I lost my job in XXXX and had trouble making payments. In XXXX XXXX, I entered in to a payment plan to pay $ XXXX/month. On my credit report XXXX reported I owed {$12000.00} and paid $ XXXX/month. XXXX debt collector, XXXX XXXX and Protas, Spivok & Collins XXXX LLC reported I owed {$15000.00} and could not be found for payment. Therefore, XXXX 's collection company sought to collect for the same debt simultaneously and for more money. 
In XXXX XXXX, XXXX XXXX, the attorney for XXXX, filed for judgment when a payment was received by his law firm a few days late. The judgment increased my debt from {$12000.00} to {$17000.00}! I NEVER received a summons. I was not present in court to defend myself. I wrote after the fact to inform the court and my protest fell on deaf ears. 
To date, I have paid XXXX {$10000.00} for the XXXX. I learned today that a legal hold/garnishment was placed on my XXXX bank account for {$15000.00}! I have paid {$10000.00} and now XXXX seeks an additional {$15000.00}. When I asked Protas, Spivok & Collins XXXX LLC why they requested {$15000.00}, they told me to file suit in XXXX XXXX Court. I have fulfilled my obligation and paid {$200.00} for XXXX XXXX. I am paying my debt, yet being punished. I had approximately {$1500.00} in my account and my paycheck for {$2200.00} will be direct deposited on XXXX XXXX, XXXX. XXXX will receive over {$12000.00}, which was the maximum card limit. It is unconscionable that I am being forced to pay an additional {$15000.00}. XXXX sought garnishment for more than twice the amount I owe.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my consumer rights Account : XXXX XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-11-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi for some reason you guys are saying my complaint isn't me. Here I am again fighting to get my complaint heard due to my rights being broken. It's been more than 30 days since I haven't heard anything from the credit bureaus. I have unauthorized credit accounts on my credit report that are false Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately