davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (FL)

LVNV states this account was open XX/XX/XXXX? I never had an accoount with LVNV they stated on the phone that it was a XXXX XXXX however, the account they bought was a XXXX  XXXX account. This was an original XXXX XXXX credit card opened in XX/XX/XXXX closed XX/XX/XXXX when it was sold to XXXX  XXXX. if you notice on origianal report it shows paid on time for XXXX and XXXX it does not show a balance or anything else. was up to date on payment shows XXXX balance when I called XXXX  on XX/XX/XXXX the recording said XXXX balance. then I called XXXX  XXXX it said XXXX balance. I called Lvnv then the next time I talked to XXXX XXXX they said I needed to contact lvnv which I did again. On the origianal crdit balance was XXXX and it was with XXXX XXXX I can not find out anything from XXXX XXXX. I requested from LVNV the orginal contract and statements of payments and explained to them it shows XXXX balance. they could not give me any info. I can not get any info from anyone. LVNV states its a XXXX XXXX which is XXXX  XXXX why would synchb sent it to them if It was paid on time? They are wrong it should have never went to them. It was paid in full per XXXX XXXX.
Consumer complaint received 2024-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TN)

I am enrolled in auto debit as printed on my monthly statements. My XXXX statement showed no past due amounts and the amount of my next auto debit payment amount. The money was successfully pulled from my bank account on the due date. Now Nelnet is emailing me and calling me at work to tell me I am past due. I enrolled in auto debit so that I would not become past due. When I call to inquire why the incorrect amounts are being pulled they could not give me an answer.
Consumer complaint received 2024-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (VA)

I've recently reapplied for an XXXX XXXX XXXX plan for my student loans. The application is still pending. My provider, Navient, continues to call me multiple times a day and after hours.
Consumer complaint received 2022-11-14
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. (NV)

INQUIRIES reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2021-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY (AZ)

I moved in XXXX from XXXX XXXX to XXXX. I called the credit card company ( Amex ) and reported my address change several times and requested a statement be mailed to me. Every month I call and give them the address and now seven months later I still have not received statements. I have requested they send all past statements to me. Now I let them know that I will no longer make any payments until I receive a statement. What they are doing is illegal they can not expect payment and not tell me what Im paying for.
Consumer complaint received 2024-04-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO. (NY)

I sent several negotiable instruments to Chase to satisfy the debt in question. According to the UCC 3-104A, this is what constitutes a negotiable instrument : A negotiable instrument is a signed, writing that states an unconditional promise or order, to pay a fixed amount of money, to order or bearer, on demand or at a definite time, and contains no other undertaking or instruction other than those allowed by the code. 

I hope to show that I satisfied this code by the submission of my attachments.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Transunion is inaccurately reporting my XXXX, 2022 mortgage payment to XXXX XXXX as 30 days late. Neither XXXX XXXX nor either of the other credit agencies show this.
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

XXXX XXXX XXXX # XXXX After numerous call to AMEX requesting to reverse the charges which are purely composed of fraudulent interest and fees on item that XXXX XXXX failed to deliver ( shower door ). Credit has been made as reflected in XX/XX/XXXX statement ( {$300.00} ) and this was upon suggection of XXXX XXXX. Order was made on XXXX XXXX, XXXX. AMEX reason is that XXXX XXXX did not apply the credit on time. The issue is between XXXX XXXX and AMEX and I am an innocent victim. The breakdown on what the balance is : Per statement due XX/XX/XXXX {$32.00} Interest Per statement due XX/XX/XXXX XXXX XXXX Fees XX/XX/XXXX XXXX Interest Per statement due XX/XX/XXXX XXXX Interest Per Statement due XX/XX/XXXX XXXX Interest Per statement due XX/XX/XXXX XXXX Interest Total {$82.00}
Consumer complaint received 2024-04-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: EAST WEST BANK (CA)

On XX/XX/year> I applied for a checking account online for East West Bank. I was approved and I proceeded to fund my account with a payroll check from my employer who banks with this bank. 2 days later the funds were made available but since I didnt have a debit card i made a trip to the bank to withdrawal a little over half of the check i deposited to pays some bills and so forth. I went to the branch located in XXXX, ca which is about 25 minutes from my residence. The next closest branch would be XXXX  ca and that is pretty far. When I was making the withdrawal the lady who assisted me had several personal questions that made me feel a bit uncomfortable. Questions that I felt were a form of racial discrimination. I felt as though everyone was staring at me and I felt very out of place. Everyone that worked there not to mention the few customers that I saw were all of XXXX descent and everyone was speaking what i believe to be as XXXX. I myself am of XXXX descent but i do not look XXXX and I was born here in the United states. I only speak English now as I'm being helped the customer rep was talking with her other co workers in XXXX and again I felt uncomfortable. But needless to say I successfully made a withdrawal and that was that. The next day I checked my balance and I figured I needed to go to the bank again because I will need gas and so forth since the debit card for the account was not being sent out till the XXXX. So I went into the same branch and was assisted my carman. Who again was looking at me kind of funny and I was there to withdraw {$150.00}. Then she started asking me not so typical personal questions and by this time I was very annoyed and felt again as though I was being questioned about my income and race. I found myself standing there for literally 2 hours most if it in silence. But all she could tell me is that I can not withdrawl any money because they have to close my account. not only was I in shock but I started to panic because I drove all the way there my car was on empty and now they are telling me I cant have my money. She wouldnt tell me why. I refused to leave until I was able to at least get enough money for gas. They would not allow me to take my funds out. They said they had to verify the check. I disagreed and said no. That was already done and the account of the check holder has a business account with your company so u could easily verify funds which they already did. So at this point I'm feeling as though they didnt want me to be a customer for some unknown reason that i think had to do with the way I looked, the fact that I wasnt XXXX enough to spoke their language. I left there in tears.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: STATE EMPLOYEES CREDIT UNION (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-04-10
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. (GA)

on XX/XX/2021 & XX/XX/2021 Someone fraudulently tried to purchase a vehicle with my information, I have already contacted all these of these company 's and they have said it is not there problem, and I need to take it up with the Credit Bureaus. I have tried writing letters to you guys and even spoke with the fraud department but still have these fraudulent inquires on my credit file. These inquires listed below are fraudulent and were not authorized by me and or tied to any open accounts on my credit report. 

Inquiry Date : 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 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 XXXXXXXX
Consumer complaint received 2024-04-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (OR)

Trying to use this company I have been representing this company for years as a USD currency processor. When I first started my business, I entrusted this company to handle the payments and sensitive account information of my customers. I am too XXXX to keep up with that licensing requirements. I had a XXXX  and was unable to run my business for some time. As soon as I am well again and able, I get a deal that would make my past decades and now my suppliers can not get paid, my big order is going unfulfilled for days now and my customer upset. Square are now holding my company 's money hostage. They refuse to release the funds as promised. The are not in agreement with me or our contractual obligations I signed off years ago. Whatever new laws or new systems I am not privy to and they have discriminated against me and my company for my XXXX. I was promised over 4 days ago the release of my funds from there holdings. I was already verified days ago and only partial release was accepted. After I called the company to complain about this going against their policy of their daily transfer limit the foreign representative flagged my account and zeroed it out. I was in complete and under shock. Now in order to gain access to my now frozen account to continue my business as usual I have to opt into the program of another company that I do not know, don't trust or have a contract with. Then I have to give this new company access to my phone, personal identity and other information or Square will refuse me further my customer their money and my business complete shambles and ruin. This is beyond agism and discrimination for learning and sight XXXX on this companies behalf to a customer for a few years now. 

Not to mention this company has been holding over {$60.00} of my funds hostage for years now and I just found out. I have set up this automatic transfer for account with them years ago. I created my business online bank account for Square years ago and they even years ago withheld funds from me. It took me years to gain access back to this account to realize all of this for a big order I just got. Square really tries to rob you XXXX.
Consumer complaint received 2022-11-14
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)

XX/XX/XXXX {$250.00} XXXX XXXX account years old was paid off and closed the bureau is refusing to take it off violating my consumer rights by posting it on my credit profile without my permission which has had a negative effect on my life, its making it hard for me to any kinds of credit cards etc XX/XX/XXXX {$500.00} account is years old was also paid off and closed out contacted the company was informed that I needed to contact the correct bureaus they weren't aware that it was showing XXXX my report I called experain and informed them and also let them know they were in violation of my privacy by posting on my credit profile and they are also in violation of U.S.15 XXXX {$170.00} I informed experian that I was a victim of identity theft and asked for proof of validation and also informed them they were in violation of my consumer rights by posting on my credit without my permission and due to this they had caused me severe hardship I have a tough time with getting cars a place to stay etc because of this is on my profile they are all in violation of FDCPA 807, misleading false reporting and more my next step will be to bring litigation against Experian if not removed all bureaus has also placed inquiries on my report without my permission or verifying also has inquiries on my reports that I do not know about as I have said I was a victim of identity theft all three bureaus are in violation of my rights and are breaking the law they need to be held accountable or go to jail for the laws they are breaking {$3700.00} XX/XX/XXXX account was paid off as soon as they took my car therefore I owe no debt and they are in violation of law 15 US code 1681a and also law FDCPA section 807 XXXX {$520.00} is in violation of my privacy that account was paid and closed off they are still showing it on my credit as late payments which has also affected me I get denied for things because they see what was posted on my profile my next step is litigation if not removed right away XX/XX/XXXX {$1400.00} I no longer owe any debt to that company when they sold my file I am not responsible for that debt and I informed experain they were in violation of my consumer rights for privacy and did not get my permission per law FDCPA 807 I asked the company to remove it all but they refused my next step is to file a suit for violating my consumer rights
Consumer complaint received 2023-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX  Balance : {$5100.00}
Consumer complaint received 2024-04-17
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: BARCLAYS BANK DELAWARE (CO)

I signed up for the XXXX XXXX XXXX XXXX and the website said XXXX points. I did not get XXXX points, I got some combination of XXXX points and {$200.00}. When I reached out to them they told me they advertise XXXX points on the website and yet somehow if you try to book a flight and sign up during that transaction you get some unadvertised offer that was never communicated. They refused to give me what I wanted. This was their reply : Thank you for contacting us about your XXXX XXXX  XXXX XXXX. We can certainly address your inquiry regarding the introductory promotion on your account. 

The XXXX miles with a {$200.00} statement credit you received is exclusive on XXXX 's website when you are viewing a flight booking and applying for our card within the booking portal. You can verify this promotion by going to XXXX 's website and attempt to book a flight. Towards the end of the booking, you will see the option to apply for our credit card. When doing this, do not log into your XXXX account and do not complete the booking or submit the credit application. From there, you can view the current promotion only available in the booking path. Alternatively, when you're not viewing a booking an introductory offer is for miles bonus only on XXXX 's website and our website. We apologize for the confusion this has caused. 

A rewards case has been opened by a previous agent regarding your concern. You can certainly wait for our rewards team to confirm your introductory offer. Your rewards case will be worked in the order it was received and can take XXXX to XXXX billing cycles to complete from XX/XX/2023. Once your case is completed, you will receive a letter in the mail regarding the outcome in XXXX to XXXX business days. However, you can reach out to us at any time regarding the status of your rewards case. 
You may view the {$200.00} statement credit you received on your XX/XX/2023 statement. To view your statements online, please select the Activity & Statements from the homepage and click the Statements link. Then choose the statement you wish to view from the drop down list of available dates and then click the blue Download button. 

Thank you for understanding this matter and for your new business. If you have any other questions or concerns, please reply to this message. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC (CA)

I was denied a workout option for my loan becuase I exeeded the amount of times I could be reviewed for help. I do not believe that I was treated fairly in regards to the loan modification process. I had an approved loan modification with the lender Specialized loan servicing when they transferred the loan to you and at that point the only thing that needed to be done was that I needed a new loan modification agreement to ge signed but then I never got it and i was told several times your department was working on it this is back from last year XXXX or so. It is noted in your system and as well the calls were recorded that I kept calling in to get the status on the loan modification paperwork and it was never resent. Then after that the account manager told me that I had to re apply and that would be the only way since then it has been denied again My reason for this complaint is that I should not be denied since it was not my fault your company did not have the complete file when the file was transfereed to you from XXXX XXXX XXXX. I have the money for the payments I was supposed to make since XXXX and I have told this to your department several times. I am a XXXX XXXX XXXX XXXX widow. I do not have a place to go or move to if I lose this home. I have been calling and appealing for a while but I have not got a responce about why the loan modification paperwork was not sent back out. I am also trying to borrow the money to bring it current but I do not have enough time to the XXXX of this month to make that happen. I should be able to just make the payments on the loan modification as it was approved, it is not my fault that your department did not send out the necesary paperwork on time. And then you closed out my loan modification therefore leaving me with no option but to lose my home to foreclosure. I need a reveiw of this file including all calls I made about not receiving the loan moditication contract in a timely manner.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AR)

THESE ACCOUNTS I HAVE BEEN CONTACTING YOU ALL ABOUT DOING investigations ON, THE COMPANIES FAILED TO SEND ME SIGNED DOCUMENTS OF THE DEBT THAT I DO NOT OWE, I recently WENT THROUGH identity THEFT AND BY LAW IF ANYTHING ON MY CREDIT REPORT IS WRONG MUST COME OFF. I SENT OUT THESE LETTERS IN DETAIL ON WHAT IS GOING ON. 

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


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