davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-25
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-08-26
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. (FL)

RE : unauthorized inquiry to my consumer report ; demand for deletion and {$1000.00} settlement. 
to. whom it may concern you are violation of the Fair Credit Reporting Act ( " FCRA '' ), ( 15 U.S.C1681b ( a ) 3 ( f ) ( i ), for unlawfully obtaining my Transunion consumer report on XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX without my authorization or a premissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA ) and its guidelines for premissible purpose. A person shall not use to obtain a consumer report for any purpose unless ; 1.the consumer report is obtain for purpose for which the consumer report is authorized to be furnished under this section.

2. the purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis,260 F Supp 2d 711 ( S.D lnd 2003 ) 616. Civil liability for willful noncompliance { 15 U.S.C 1681n }
Consumer complaint received 2022-12-19
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

My mother, XXXX XXXX, died in XX/XX/2022. I am the executor/personal representative for my mother 's estate. 

I found out that my mother had a savings account with USAA Federal Savings Bank via a statement I received in the mail. On XX/XX/2022, I contacted USAA Federal Savings Bank ( XXXX ) and was transferred to the Survivorship team. I requested that the account be closed and a check sent to me for the balance in the account of {$25.00}. I was told which documents to send to XXXX, which I sent via XXXX Mail on XX/XX/XXXX. 

On XX/XX/2022, I received another statement from XXXX, indicating a savings balance of {$25.00}. I called the XXXX team and was told that the documents I sent were received on XX/XX/XXXX, but were in the wrong department. I was told that the documents would be moved to the right department and would be processed. 

As of today, XX/XX/2022, I have received no indication that the documents have been processed or that the account has been closed. I have also received no check for the account balance.
Consumer complaint received 2023-07-08
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (NJ)

We posted a convenience check from Barclays to the payment of a card under XXXX XXXX XXXX totaling {$8600.00} on XX/XX/XXXX. We received what was to be a Promotional APR of 0 % through at least XX/XX/XXXX, and a balance transfer fee of 3 %, but were charged a total of {$97.00} as an interest charge on XX/XX/XXXX, ( as opposed to the 0 % that was stated ) and {$430.00} as a balance transfer fee on ( 5 % vs 3 % ). We called the bank multiple times on XX/XX/XXXX, XX/XX/XXXX, and yet again on XX/XX/XXXX through the phone numbers XXXX ( XXXX ) XXXX and XXXX ( XXXX ) XXXX, and multiple times we didn't get a response, save when we called them on XX/XX/XXXX. The Customer Service person gave us a case number and stated they would start an investigation without an estimated time frame. After this we used another convenience check of {$6000.00} on XX/XX/XXXX, and paid off {$1000.00} in two separate checks of {$500.00} each on XX/XX/XXXX and XX/XX/XXXX. We received another statement balance on XX/XX/XXXX where we received another interest charge of {$100.00} when we shouldn't have received one once again. We called them again on XX/XX/XXXX to dispute this, but were told that our account would be under investigation for another unspecified timeframe. They told us that we would be transferred to another supervisor, but they hung up on us instead.
Consumer complaint received 2023-10-17
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. (TX)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Village Capital & Investment LLC (MN)

On XX/XX/XXXX I contacted Village Capital and Investment regarding excess funds from my escrow account from XXXX tax year that were never released nor applied to my escrow balance. I was told I would get a call back. I followed up several times on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Currently my escrow balance is showing a negative balance and I received a bill for this. I wait on hold for over an hour just to be told that the escrow department will call me back. At one point a representative claimed that a supervisor called me but I never received a call or voicemail. I have yet to hear back about the {$2000.00} that is not showing up on my account and has not been applied or used for any thing relating to my taxes and insurance. I have a copy of the escrow analysis and an email from Village Capital stating they would release the funds or apply to my escrow balance however, they did not do this. Village Capital also collected payments from my for 6 months without applying appropriate funds to my escrow account. They did not report my payments to the credit bureau and still have not reported my payments from XXXX. They charged me late fees on payments that I made and have given me no explanation nor the courtesy of a phone call or appropriate communication. This has caused me emotional distress and stress daily.
Consumer complaint received 2023-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MI)

XXXX XXXX XXXX withdrwal cash from the atms for almost 2 years with XXXX XX/XX/XXXX y XX/XX/XXXX stole XXXX dollars in 2 years order XXXX dollars inXX/XX/XXXX in one day XXXX hacked my phone n make wire transfers usin XX/XX/XXXXapp XX/XX/XXXX
Consumer complaint received 2023-11-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (SC)

Navient had XXXX XXXX XXXX XXXX call me to collect an offer amount to close out my account. It was a total of XXXX and I paid it off on XX/XX/XXXX. 
I got an email stating I owed this again from XXXX XXXX XXXX. I paid it on Monday XX/XX/XXXX. Not realizing it was the same loan from Navient. So I was directed to call Navient to get this resolved. They asked for the reciepts. I emailed it to them and I still haven't heard from them. I called yesterday for the 3rd time to ask what is taking so lokng and XXXX said that they are backed up and there is no eta as to when this would be resolved. So now I have a maxed out credit card against my credit report for no reason. Clearly someone from Navient dropped the ball because XXXX shows my account closed with no issues. 
Thanks in advance for any help I can get on this matter. : )
Consumer complaint received 2023-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America ATM took my money. I tried to pull out {$800.00}, but it gave me a stack of crumpled $ XXXX so half the stack fell into the atm upon pulling the money out, and I called the bank, but they don't really care they just said they'd file a claim.
Consumer complaint received 2023-11-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

XXXX a mortgage servicing company under Lakeview Loan Servicing has had its website down for about a month. Its been impossible to get in touch with anyone. I tried to pay my mortgage today but the site was still down. I looked it up and I had to learn through XXXX of all places that they apparently have been hacked this entire time which is why we cant access our accounts. During this entire month none of the companies have sent ANY communication letting their customers know what is happening. This is unacceptable as far as a mortgage company is concerned to leave us in the dark like this.
Consumer complaint received 2017-12-16
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MN)

I opened a XXXX XXXX credit card ( serviced by XXXX XXXX in XXXX. I never had a late payment since I had the card. On XXXX XXXX, XXXX, I attempted to use my card to make a purchase at a XXXX XXXX store. At the time, I was told my account had been closed. 

This was a surprise to me, as I had checked my account online before going to make the purchase. I have included screenshots of my online account from XXXX XXXX, XXXX ( you can see the dates in the lower right hand corner ). It clearly shows a zero balance and a {$4500.00} credit limit ( see screenshot # XXXX on the attachment ). It also shows that I have a next statement date of XXXX XXXX, XXXX. 

I called their service number and spoke with a customer service representative. They told me that my account was closed in early XXXX, XXXX. I asked why this was done without notification or warning. The representative checked and confirmed that no letter or email was sent to me to notify me of the closure. They could not explain the account showing as open on the website. They told me I would need to apply for a new account. I told them I did not want to open a new account because that would require a new credit pull, which would be unfair to me. 

I asked to be escalated to a XXXX who told me the account was closed and confirmed there was no adverse action behind closing my account. They refused to open or allow me use of my account. 

I am confused that my account was closed without warning or notification. I am also confused that I was sent marketing material information in late-XX/XX/XXXX when my account had been closed XXXX see screenshot # XXXX, email dated XXXX XXXX, XXXX ).
Consumer complaint received 2024-01-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates (IL)

I am being charged for an alleged debt, and I never entered into a contract with L J ROSS ASSOCIATES IN. They are harassing me by communicating with me electronically using the medium of credit reporting agencies and reporting my social security number to these agencies as well. They also never provided me with any written notice or right to dispute the debt before publishing it to my credit report. These acts are severely prohibiting my ability to access my own credit.
Consumer complaint received 2023-11-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: DApps Platform, Inc. ()

Commencing on or around XXXX XXXX, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX XXXX!
Consumer complaint received 2021-10-17
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. (CA)

Last year I discovered false accounts with XXXX XXXX and XXXX XXXX  reporting on my file because of identity theft. I contacted the bank and the credit bureaus about it and they told me to file a dispute. I submitted the dispute and XXXX XXXX and XXXX XXXX  conducted an investigation. Yet they still show up on my credit reports Please help me resolve this issue as soon as possible.
Consumer complaint received 2023-11-30
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (KY)

I was charged a XXXX interest charge and I called Citibank customer service to find out what it was for. The customer service representative told me it was for XXXXXXXX XXXX XXXX XXXX fee. 

I told her I never have paid interest on that and that I signed up for it back in 2010 when I got the card. 

The customer service representative told me they do not offer that and that is when I looked it up and found this article XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-30
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

I had a home depot credit card. When I went to start a project with home depot, the contractor came to my house, and helped me increase my balance to the home depot credit card so that the project can be financed. I was told there was 24 months 0 % interest. I had made my payments on auto pay, so I don't have to worry about late payments. so It is my fault for not checking, but no when I went to check the balance, I notice that the balance is way over what the project cost. When I called to inquire about it, they said that we only had 12 months deferred interest, and they don't show anything on the file about the 24 months 0 % interest on file. And since I'm calling 60 days over the 12 month promotion, they can't fix the account. So I'm stuck with {$6000.00} deferred interest plus {$500.00} something on monthly interest alone. At this rate, I will not be able to pay the balance off at all. I told them that, and asked to find a solution and the customer service lady said they can not help me at all. and when I asked for a manger, she said the manager will most likely give me the same answer.
Consumer complaint received 2023-11-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NC)

LVNV Funding LLC, under the name XXXX contacted me via email in XX/XX/2023 threatening to sue me for as debt. 

I had never heard of this company and responded as such to the email, I received a reply stating they would send me a letter and not contact me via email again. 

In XX/XX/2023 I received a second email, again threatening to sue me, I once again responded I do not know you and I was supposed to be getting a written letter not an email. 

5 days later I got a letter telling me they had received my request for proof of ownership of debt, but no proof. 

In XX/XX/2023 I wrote a letter requesting evidence of ownership of debt, in reply to the written letter I had received asking for the original contract with my signature on it, a copy of the payment history for the debt and a copy of the contract between the original creditor they claimed and themselves. - I received NO REPLY. I gave a 30 day deadline to respond. 

On XX/XX/2023, I received a letter dated XX/XX/2023 from a XXXX XXXX XXXX, XXXX. Telling me they were contacting me on behalf of LVNV Funding LLC and they still did not supply the requested proof of ownership or validation of debt. 

I responded to this letter to explain I had asked for proof of ownership and validation of debt and had been met with silence from XX/XX/2023 until XX/XX/2023.
Consumer complaint received 2022-12-20
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: Experian Information Solutions Inc. (FL)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-12-20
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. (FL)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2018-05-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (WA)

XXXX XXXX contacted me via XXXX XXXX XXXX XXXX , XXXX XXXX XXXX with a threat to get a judgement against me for a collection debt. Although I had no other communication previous to this, I contacted the agency to make arrangements to pay the debt. This was accepted by the XXXX XXXX via the attorney and the payment made in XX/XX/2018. To date, the company has failed to notify the credit bureaus that the account no longer has a balance. I disputed the item with the credit bureaus and XXXX XXXX continued to deny the account was paid.
Consumer complaint received 2024-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

Paid off higher interest loans in full. Post payment the show small balances. Assuming this was interest I just paid them off again and eventually got negative balances. Mohela switches platforms and loans with negative balances are not present on the new platform. No evidence of a refund in the account used to pay and no communication on why they were not carried to the new platform. Main problem is how hard they are to get a hold of creates a huge deterrent to sort nominal issues out. Without knowing the amount this will likely create thousands of dollars in damages to my retirement account that would've received these excess funds.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CarMax, Inc. (IN)

As a result of COVIDs lockdown during XXXX, the finances of my employer at the time, XXXX, was hit hard. During the following year, XXXX, they cut down heavily on hours and eventually let me go, resulting in my inability to keep current on my bill from CarMax Auto Finance. They do not see this as related to Covid despite my explanation. I lost my job in early XXXX of XXXX and was unable to pay until I got a new job in XXXX. I am now ahead of my bill several months and they still will not address this as related to Covid to remove the couple of late payments. Im XXXX years old, I was XXXX when all of this happened, this is my only credit history I have and its affecting my ability to get a house. Ive reached out to their customer service department numerous times and got a variety of different promises, suggestions and dates.