davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Transunion is in violation under15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ),
Consumer complaint received 2022-12-21
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: EQUIFAX, INC. (MS)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

To Whom It May Concern : On Money, XX/XX/2024, I noticed there were two transactions at XXXX XXXX XXXX XXXX in XXXX XXXX, Texas XXXX in the amount of {$200.00} each ( meanwhile I was at work during this time ). I proceeded to contact the XXXX XXXX to inform them that I had not received any money and that it was incorrect. I was advised I needed to contact Capital One to dispute the charges. I contact Capital One and advised I wished to dispute charges and was told that I would receive another card. I felt confident that my dispute would be won since ever time I have had any issues it has been positive. 
Last night I contacted Capital One to inquire of the status and was advised my dispute had been denied and was told I had been sent an email. I check my email every day, check my spam and always review my trash to insure I am not deleting an important message and I had not received anything of such nature. Feeling very discouraged by your lack of investigation, I requested my account in the remaining balance of XXXX or XXXX dollars be closed. Although this is/was not my primary account it is used for emergencies and the loss of XXXX is a large amount for someone trying to survive in this world. 
I have since done research and have discovered that CAPITAL ONE did not follow procedure and that my REGULATION E. RIGHTS were violated because no proof or evidence was ever provided to me regarding my denial. I do recall someone I spoke with last night say or it is because the user had the correct pin. We all are aware that hackers get into computers, stealing identities, holding companies as yourself hostage and requesting ransom because they know how to crack codes.
Consumer complaint received 2023-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

In my attempt to verify a debt of {$530.00} that does not belong to me, the company LVNV Funding LLC could not validate my full name, address and other pertinent factors to prove that this debt belongs to me. The debt collector illegally violated laws of the FCRA by not sending me a letter in the mail because they did not have the correct address, illegally reported it to the credit reporting agencies, they were unable to give me my complete name to prove that the debt belonged to me.
Consumer complaint received 2024-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (SC)

In XXXX I made a down payment of {$430.00} for a luxury vinyl flooring for my living room together with another down payment for finishing my basement. The constructor, XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ) didnt show up multiple times without notice, took almost 3 months to complete the basement. I had a conversation with him, telling him I couldnt wait any longer for the flooring in my living room and he assured me he wouldve given me back the down payment. Since I didnt trust him, based on his unprofessional behavior, I submitted a dispute with my bank, Wells Fargo XXXX After a while I got a letter from Wells Fargo, stating they denied my claim. I called them and I was told XXXX XXXX submitted documentation about the down payment not being refundable. I then contacted XXXX XXXX asking him an explanation and he made false claims saying he had to purchase the materials and he showed me options, which is not true, since he wasted time the first day he started working on the basement, to go to XXXX to buy the flooring and other stuff for the basement only. He never purchased anything for the living room flooring.Also XXXX XXXX was supposed to remove rocks from a patio he built in my backyard since he didnt submit the permit to the HOA. I am still waiting for that.
Consumer complaint received 2024-06-25
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC. (OR)

We have been contacted on numerous occasions by representatives from Caine Weiner located in XXXX XXXX. They state they have been retained by XXXX XXXX to collect on a debt that is currently being disputed by us. On several occasions we have informed Caine Weiner that they are not to call us or communicate with us via e-mail anymore. They continue to do so disregarding our written communication ordering them to cease and desist all contact with us. The most recent demand for no communication was dated XX/XX/year> and today, XX/XX/year> we continue to receive demands from them to contact them regarding the debt.
Consumer complaint received 2024-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (DE)

On XX/XX/year>, I was on a business trip and we ( party of over 15 people ) grabbed drinks from the hotel bar. The total, which could not be split, was {$340.00}. I happily paid this check. Once the transaction posted to my account, there was a tip added in the amount of {$140.00}, which I did not authorize. No tip was left as the hotel bar required an 18 % tip, which was included in the {$340.00} check. 

I contacted the merchant and no assistance was provided. I disputed this amount with Wells Fargo, my checking account holder, and the dispute was opened. On XX/XX/year>, I received a letter advising that my dispute was closed as I did not provide any information. This is untrue as I provided a copy of the detailed receipt. I called Wells Fargo and I was informed that my dispute was opened under " different card used '' and that the merchant provided documentation supporting that a tip was left. The dispute was incorrectly opened and not correctly closed. I asked for the merchants documentation ( as they falsified a tip ) and I was advised that it will take 30 days in order to receive the documents and that the dispute case can not be reopened.
Consumer complaint received 2024-06-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Groundfloor Finance Inc. (CT)

Hello its XXXX XXXX again making another complain so its been couple months from XXXX until now this company have my money. I have emails saying this can take up to 90 days for me to get my money back and now its more than 90 days and they still close my account and using my money investing same way. I tried to reach out to a Lawyer as well! I need my money its been couple months now and they still have my XXXX investing in there app and I cant even log on my account I cant do nothing and its been couple months! So you guys gon na just let Groundfloor take my money and dont do anything about it? I need back my XXXX thats a lot of money and Groundfloor still have my money its been so long and they still have it I want back my XXXX they are over doing it now! They dont even reply to my last complain that I made because they know they are taking people money out there. I need back my money Groundfloor you guys are stealing my money and lock my account and still using my money investing in your company. I would need this complain to pass on to another government agency so I can get back my money its been too long now!! This past 90 days which they promise I need back my money!! This is stealing money and this is a registered company and nothing is getting done about this!! XXXX is a lot of money!!! And they just have my XXXX like that and wont give me back I need back my money!!!!!!
Consumer complaint received 2024-06-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Malen & Associates, p.c. (NY)

I made a settlement payment on Wednesday, XX/XX/year> in the amount of {$6500.00} from my XXXX account to Malen & Associates who was representing XXXX XXXXXXXX in a debt collection case against me. Their online system does not give me any confirmation that the account is now taken care of, and I haven't received any of the settlement confirmation notices I was told would be sent to me in the mail.
Consumer complaint received 2023-06-04
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. (VA)

I have been trying to get the account XXXX XXXX  remove from my Experian credit file. I have ask them to remove this item because it is FRAUD, I have sent them the FTC report and police report but they refuse to remove it. Pursuant to 18 USC8, this company is violating my consumer right to privacy, pursuant to 15 USC 1681b2
Consumer complaint received 2024-06-29
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC (FL)

I contacted this company to find out why they added a collection to my credit report because I have never worked with them or even heard of them. They claimed that it was a collection from a previous apartment but they have not sent me ANY information regarding this debt. I even told them that they did not send me anything and the man on the phone verified that they sent it to apartment address who is claiming the debt. Before moving, I updated my address on XXXX to my new address so that any accounts would be notified. They are able to find this information yet they purposefully did not send any communications to me. I have reached out to pay whatever amount they are claiming just to be done with the issue since it is not a large amount but now they are refusing to respond to email communications and phone calls to settle this issue. I have no knowledge of this debt and I do wish to dispute it as I stated in the email. I would have disputed it previously if they had notified me properly! I have opened cases with each of the credit bureaus regarding the issue.
Consumer complaint received 2023-05-12
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: EQUIFAX, INC. (AZ)

My name is XXXX XXXX XXXX, I am contacting you today because I have a collection on my account for a company called XXXXXXXX XXXX XXXX account number XXXX I have been going back and forth for this company for a while now. Today when I got in contact with them I was told that they no longer hold the collection to my account. They stated that they sent it to a company called XXXX XXXX  XXXX XXXX. Then when I tried to get in contact with them I got hung up on. Then when i called back I got a voicemail stating it can take a few days to hear back. I just want to be done with this already. please help investigate.
Consumer complaint received 2024-06-29
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: JPMORGAN CHASE & CO. (TX)

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 JPMCB Card Services 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 The FCRA ( federal law ) says that as a consumer, you are legally allowed to challenge the validity and accuracy of these hard inquiries. And when you challenge these inquiries, it's called opening a dispute. The company pulling your credit must provide documented proof, for example a document with your signature on it, that you authorized and provided consent for the hard inquiry. If they fail to provide this documentation, then XXXX, XXXX, and XXXX must remove these inquiries from your credit report.
Consumer complaint received 2024-06-29
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

Called Citibank on XX/XX/XXXX to unlock my card after it declined. The agent unlocked it for me and said I was all set. It locked again the next day and I called again, but they insisted I needed a travel reference code that they never sent to me. Now theyre asking me to wait 7-10 days while on vacation for them to send me a letter by mail to recover the account. This is ridiculous how they have no other way to verify my identity except for the way they claimed to have sent the code but never did.
Consumer complaint received 2023-08-31
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc. (AZ)

On XXXX XXXX, a settlement with my previous landlords attorney to break lease without penalty due to roach infestation. I agreed to the terms the following day but never received any confirmation of my response. On XXXX XXXX I emailed the landlord to agree to the terms of the lease break settlement and prepared to move out on the date agreed on. However the landlord filed eviction behind our backs. We went to court on XX/XX/2022 and a judgment for nonpayment of rent for two months in the amount of {$3800.00} was granted in favor of the landlord but they had to adhere to all terms of the settlement. I moved out on XXXX XXXX. A month later I received a letter from collection agency NCAC alleging that we owed {$11000.00}. I contacted a community legal service and with the support of the lawyer she assured me that I am only required to pay the amount ordered by the court. After showing documentation of the settlement the collections agency refused to acknowledge the document and said I needed more proof or they would report it to the credit bureau. They have quoted me 3 different amounts and though I have submitted sufficient documentation, they are still refusing to correct the amount I owe them. I have been trying to pay the amount owed to them for months as the rental judgment is affecting my ability to find adequate housing. I have been homeless with my family since being evicted from this property and trying to pay the judgment has been the main obstacle to safe and affordable housing.
Consumer complaint received 2023-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

I am deeply concerned about the derogatory rating associated with the account being reported. It has had a significant impact on my credit standing, leading to the denial of a recent loan application and increased interest rates on my existing credit accounts. I want to emphasize the severe financial distress this negative rating has caused me, and it will continue to affect me both financially and emotionally until it is resolved.
Consumer complaint received 2020-04-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (CT)

I used Cash App to transfer {$250.00} to another individual. The {$250.00} was debited from my bank account but he has been unable to access it so it remains in limbo. He can't get access to his Cash App account because access requires providing the number of the debit card that was used to open the account. The debit card he used was replaced some time ago and there is no way to know the number on it. Every time he has tried to access his account the process has ended with this question about the debit card number. He has contacted Cash App support and answered all the questions asked but the support bot can not help him. We have been asking for help for two weeks but it is impossible to get the attention of a person. When I submitted as support request, the bot told me to have the recipient contact support.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

I have been unable to get Experian and XXXX to update the following accounts. 


XXXX XXXX XXXX - correct balance {$400.00} on report {$1500.00} XXXX XXXX XXXX XXXX - correct balance {$0.00} on report {$270.00} XXXX XXXX XXXX XXXXd -correct balance {$0.00} on report {$470.00} XXXX  XXXX -correct balance {$0.00} on report {$11.00} XXXX XXXX XXXXcorrect balance {$0.00} or report {$480.00}
Consumer complaint received 2024-07-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (TN)

On XX/XX/XXXX, after 11 years of being held hostage by Navient in predatory private loans made to attend a for profit school, I was granted a full discharge of my private loans after approval of my school misconduct discharge application. However, Navient is not refunding the money they took in regard to these predatory loans. The mere fact that Navient was involved in providing these " predatory '' loans in special " deals '' with " for profit '' in the early to mid XXXX was absolutely criminal. Navient has been sued dozens of times for its predatory loan practices as well as it's unlawful collection practices. To then keep the money that students paid toward these predatory loans is also criminal. Navient owes me over {$16000.00} paid toward these " predatory '' loans and I would like to know why Navient feels they should be allowed to keep students money when they know what was done to harm students such as myself with these loans to attend for profit schools who ultimately, were found guilty of misconduct. It is the right thing to do to refund the money and would further close the book on the harm Navient has caused students both financially and emotionally.
Consumer complaint received 2023-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

XXXX  % XXXX check could not be processed by a XXXX  insurance carrier. The Check has the customary XXXX line with Routing Transit & Account number along with Item number encoded. 
On the first failed attempt BofA validated the XXXX line over the phone but could not locate an attempt for the item to clear the bank.

After XXXX attempts to process the XXXXl check supplied by Bank of America, I authorized the transaction using the card as the medium. 

In a followup call, BofA refused to honor the promotion by transferring the card based transaction into the promotion. 

In short, this scheme of providing Non-negotiatble checks constitutes a bait & switch in an attempt to defraud the customer. 

I requested he log a customer complaint in their XXXX system, which he committed to do, but could not ( or would not ) tell me if I would be contracted in response to the complaint. 

I informed him that I would make this regulator complaint to be sure the complaint was heard an acted on.
Consumer complaint received 2024-06-28
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: CCF Intermediate Holdings LLC (TX)

On XXXX XXXX, I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX about a lawsuit that was being filed against me by XXXX XXXX XXXX XXXX  Speedy Cash ( this was apparently filed on XXXX XXXX XXXX I have talked to XXXX XXXX XXXX XXXX XXXX XXXX to find out the details because I was never served anything kind of paperwork regarding this. I am unsure of the loan amount or when the loan was originally taken, I'm wondering if my information may have been stolen or compromised. Could you please help me? I was not sure on which buttons to select so I selected the ones I thought were correct.
Consumer complaint received 2017-05-10
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

I and my short sale negotiator, has been trying to work with baview loan LLC, for over a year now. I was approved for the short sale, to prevent foreclosure. But it has been very difficult dealing with the asset manger,  XXXX   XXXX . Below I ATTACHED an email thread from my realtor, the conversation he has had with  XXXX   XXXX , we have found a buyer, also the contact has been signed. The expected closing date  XXXX / XXXX / 2017 , I received a letter from bayview  XXXX   XXXX ,  2017 . The letter was dated  XXXX   XXXX ,    2017  stating I was denied a short sale, due to timing and they do n't have enough time to process the paper work. I have been trying to reach out, I was told they dont know who I am, also I 'm not authorized to speak with  XXXX   XXXX . Which is very strAnge because I was sent letter, also i have spoken with  XXXX   XXXX  on several occasions. They sent a letter 15 days after they summited to foreclosure. Which doesnt make since, if we have gotten an appraisal on the home, found buyers, they have excepted the offer and all parties have agreed to the terms. Including  XXXX   XXXX   XXXX   (  asset manger ) at Bayview loan LLC. After the letter there have been several attempts to contact  XXXX   XXXX   XXXX , via phone and email. Several voice mails. Also we have reached out to customer service, to seek help or some type of answers. On why was a foreclosure sale has been in place. We have been doing everything we can to work with  XXXX   XXXX   XXXX , but it has been no success. My loan is a Va loan.