davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (VA)

I received a letter in the mail in early XXXX that Barclay would be closing my account on my XXXX credit card that ends in XXXX. My payments have not been late nor have I had any issues with this or any Barclay cards that I have. I called the company today to see if they would reinstate my card and they declined to do so. I no longer have the letter that was sent.
Consumer complaint received 2021-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NV)

I have been making my payments monthly with a direct debt from my checking account and sent to my mortgage loan servicer for application to my mortgage. 
In the past when my payment amount changed due to an escrow analysis I continued to payment my old payment amount. When I received calls from my mortgage servicing company they would provide the dollar amount I need to pay in order to become current and I paid that amount. However, now they are saying that I am a full monthly payment behind, and I am not. 
I have attempted to explain my payment history and requested supporting documentation from my mortgage servicer and I do not get the information I have requested and my email send to the XXXX XXXX at LoanCare has gone unanswered.
Consumer complaint received 2024-04-11
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (IL)

I have two private student loans held by Navient. These loans are associated with a school that was found to be fraudulent in their practices and was held liable as part of the XXXX vs. XXXX XXXX ' Defense case. 

I have recently been made aware that Navient is sending out applications to discharge private loans to customers who have attended the schools related to school misconduct and part of the XXXX vs. XXXX case. 

I requested an application from Navient as my school is part of this group. They first denied my request and when I pressed further they told me they are in the early stages and I *may* be considered in the coming months. 

I am filing this complaint because it is very plain to see that I attended this school that has been deemed to have acted with misconduct and I have paid into these private loans regularly for the past 16 years- with no end in sight. These loans have only doubled + because of the exorbitant interest rates and price gouging by Navient. If I continue to hold these loans I will NEVER be able to pay them off. They have designed them to keep consumers in a constant state of debt and forever repayment. I have paid my original debt to a school that was found to be fraudulent and ask that there be intervention on my behalf. 

Thank you.
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc. (TX)

Conns XXXX is in violation of FCRA, 15 USC 1681m because I was never notified that an adverse reaction was going to be taken on my consumer reports. An adverse reaction of late payments on this alleged debt was reported on all 3 of my consumer reports.
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

I have disputed this Account # XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX account with the XXXX and received the attached response that this account is no longer to be reported yet it is still on my Experian credit report. I have also disputed this account with Experian directly but there is no response.
Consumer complaint received 2021-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NV)

I have a bank account with Santander Bank, XXXX MA. Bank allowed account to fraudulently be accessed using fake information and all my funds withdrawn. Bank states it has no lability. Then closed account with XXXX balance. I have NEVER made withdraw from the bank account. Amounts withdrawn were Fraud and bank refuses to take any action. I was told Its too bad I have lots of documents I can provide. 

Financial Loss My entire bank balance of {$1300.00} Allowed withdraw by XXXX XXXX and XXXX XXXX Santander Bank XXXX XXXX XXXX, XXXX, MA
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have 6 loans that are XXXX to XXXX years old? Is that fair when I know for a fact they should be gone and Im always told it will be gone in 7 years? Here are the pictures of how long these companies will hold on student loans against someone. It isnt fair it isnt right. I have tried every way to get these removed and they are still here? Why? Why! Why? XXXX to XXXX year old student loans. Im tired of being mistreated wrong. Im tired of having bad credit due to overly old situations. This isnt fair this isnt right 6 loans thats been on my report for over 10 years.
Consumer complaint received 2021-12-30
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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX XXXX There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Consumer complaint received 2021-12-30
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. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me .Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Consumer complaint received 2021-12-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Chime Financial Inc (CA)

Chime had sent me an email stating that they were to close my account in matter of days well I still had money coming into that account. I had wired what I had left to my XXXX account but never received my {$750.00} that was to be refunded to me. I called the company about it and they stated they sent the cash out to chime but this was after my account had been closed. Ive tried contacting chime with no resolution.
Consumer complaint received 2021-12-30
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX
Consumer complaint received 2019-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I nor any lender can access my trimerge credit reports because there is an error stating mismatch with Equifax. I've faxed in 2 letter and have made several calls, spending several hours on the phone with Equifax this week and no one is assisting me. The only options that Equifax gives me is to have lenders call them directly, or that there isn't anything wrong with my file. I've told numerous representatives that I need to access my credit profile because we are in the process of buying a house and it appears as if they have a freeze on my file and no one seems to care at Equifax. One manager actually told me to call back the next day because he couldn't help me, another manager stated that it was ok for me to file a complaint with CFPB if that is what I was willing to do instead of taking my advice on having my soft inquiries removed as a trouble shooting method. This happened to me in XXXX of this year as well and it took over a month before I could finally access my credit profile. This is unacceptable and I need whatever glitch or error there is on Equifax end fixed as soon as possible. They claim that all of my information is what they have yet, their automated system will not accept my information and I am unable to pull my credit profile using any of their direct methods via XXXX, equifax.com or even while speaking to a live representative attempting to activate the online profile for me.
Consumer complaint received 2021-12-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequoia Financial Services (CA)

SEQUOIA FINANCIAL SVCS Original creditor : XXXX XXXX XXXX AMOUNT OWED {$3400.00} THIS ACCOUNT DOES NOT BELONG TO ME AND I DO NOT KNOW WHAT ADDRESS IS ASSOCIATED WITH THIS ACCOUNT FURTHERMORE I HAVE REACHED OUT TO THE ORIGINAL CREDITOR AND COLLECTIONS AGENCY TO VALIDATE THE DEBT WITH DOCUMENTATION TO SUPPORT THERE CLAIMS OR TO SEND OUT A FRAUD AFFIDATED AND HAVE YET TO RECEIVE ANYTHING IN WRITING.
Consumer complaint received 2024-04-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MA)

XXXX class action lawsuits against XXXX XXXX XXXX XXXX in XXXX XXXX, CA. 

The first lawsuit was settled out of court. The school was to provide 100 % money back to students, however since so many qualified only 6 % was actually paid back. 

Over the last 5 years or so, another lawsuit ( Led by XXXX XXXX XXXX was filed and won. We all got our federal loans wiped and past payments reimbursed. 

We have been asking Navient ( and other private loan lenders ) to follow suit as our school was found to be fraudulent and predatory. Still waiting for them to comply.
Consumer complaint received 2019-12-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (FL)

XXXX XXXX filed a fraudulent insurance claim on my damaged phone back in XX/XX/XXXX i believe and after i switched companies they are trying to charge me XXXX after the fact for a damage phone and already sent me a debt collection letter before even sending my final bill
Consumer complaint received 2019-12-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IA)

I have disputed all my accounts with portfolio recovery through the original account holders and never got a response so they should have never sent it to profolio recovery and I'm siting a court case that shows that they are not allowed to do that. XXXX  XXXX XXXX XXXX XXXX   XXXX versus XXXX XXXX.
Consumer complaint received 2021-12-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WA)

I was contacted by Venmo on XX/XX/21 that my acct had been " restricted '' or frozen for a security issue. I was told to send via link a pic of my DL and another of me holding my DL. This was sent twice before they acknowledged getting it. 
IN between that date and now, i have rec 'd many emails from Venmo support that various attempts at a password change and access from a " new device '' had been attempted. 
On XX/XX/21 i was told acct was frozen again. Again, i sent in pics verifying me so my acct could be unfrozen. On XX/XX/21, my acct was unfrozen per Venmo but before I could cancel the acct, an unauthorized charge was done w/ my acct on XX/XX/21 to a strange email AND i got mult emails saying my email to my acct ID had been changes as well as my phone number! 
I called to report that I didn't do any of this, but bc I could no longer verify my acct bc a hacker had changed my info, they wouldn't do anything. Venmo 's answer to this hack scam was to send my " helpful articles '' for my issue, which didn't even relate. 
So here I am, almost over 1 mth since this acct insecurity started, and still NO RESOLUTION. 
I want to close my acct immed, but venmo won't let me bc my verifying info doesn't match bc they allowed a HACKER to change it! 
They only contact you via email, you can not speak to anyone that can do anything and it's a constant email tag. Meanwhile, i feel violated and XXXX by this company. They have verified my acct via pics i have sent, but won't close my acct and I can not do it myself bc my login was hacked. My acct is exposed and Venmo will not do anything. I have sent many emails and done my part but they are refusing to close my acct, wanting me to do through App, but again I told them I can't even log in to my acct bc it was changed by hacker. 
Their " security '' is NON SECURITY. The crooks have access to our accts illegally, but the actual owners after verifying are blocked! 
I JUST WANT MY ACCT CANCELLED AND CLOSED BEFORE ANY MORE SENSITIVE INFO GETS IN THE WRONG HANDS. THEY WILL NOT HELP ME! I DON'T KNOW WHAT TO DO! PLEASE HELP ME PROTECT MY INFO AS VENMO CARES LESS.
Consumer complaint received 2019-12-13
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: EQUIFAX, INC. (CA)

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120 - 180 ) days late on XXXX  account numbers XXXX ; XXXX ; XXXX ; XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2016-10-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On or around XXXX XXXX 2016 there was an unauthorized accessing of my personal credit info, this was an act of violation of XXXX and should be deleted. 
1. XXXX XXXX/XXXX/XXXX 2. XXXX XXXX/XXXX/XXXX 3. XXXX XXXX/XXXX/XXXX 4. XXXX XXXX/XXXX/XXXX 5. XXXX XXXX My credit report showed a credit inquiry by the above company that I do not recall authoring.
Consumer complaint received 2021-12-29
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY (MD)

I made a purchase through Amex travel co and charged to Amex credit card. Due to industry issues and Covid, the flights changed. I was unable to make those changes. I attempted to contact Amex travel multiple time, and they were not responsive ( understandable given industry issues ). That said, I contacted Amex card services to dispute the charge because services were not delivered and they were not responsive. The problem is that Amex card services would not allow me to dispute the charge with their own company. They couldnt help resolve, but would only refer me back to travel company, who was unresponsive. I had to press for days and hundreds of lines of chats for them to finally submit a dispute. I feel strongly that they inappropriately tried to block my rights because it was within their family of companies. I have many, many chats with associates and supervisors that any reasonable person would agree with my claim. If I hadnt made it a process on principle, I do not believe Amex would have complied
Consumer complaint received 2024-04-11
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Maddocks Collection Services, LLC (CA)

XX/XX/XXXX they called for XXXX minutes and XXXX seconds they have since called several times this week and last week todays date is XX/XX/XXXX they denied ever calling they wouldnt even tell me who they were. i have included screen shots of call dates and times
Consumer complaint received 2021-12-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (PA)

I still can't add my mobile number to the security check it keeping say my number is unsupported and the number is in my name and I am trying to add a second bank account when I do that it take me to the security check and give me issues and here is my old Consumer Financial Protection Bureau Complaint No : XXXX. About the same issues.
Consumer complaint received 2021-12-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (CA)

On XX/XX/2021 my XXXX account was hacked into and withdrew {$55000.00} through 7-8 transactions from my US Bank checking account. I notified my bank the next morning and closed the account, opened a new one and filed a fraud claim through them. As of yesterday, XX/XX/2021, they have denied my claim and completely closed my accounts with them, ending our relationship indefinitely. They have not taken any course of action in fighting this for me and getting my money back. They sent me the audit log that was used in their investigation and clearly shows multiple different IP addresses withdrawing money from my checking account.
Consumer complaint received 2016-07-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Called TransUnion at XXXX and spoke with the first Rep XXXX, which she was very rude to me and then I asked to be transferred to special Handling and to see if they can help me she told me that she could n't do that and transferred to someone else and her name was XXXX XXXX and she also was rude to me. I was notified the inquiries were placed back on my credit report and wanted Transunion to remove them due to not being notified. according to the FCBA that is against the law. I attached parts of my credit report for your review.
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One is illegally reporting inaccurate information to credit reporting agencies on my credit report. This has damaged my credit immensely over the past three years. Capital One has repeatedly furnished inaccurate balances and payments. This is illegal and immoral. Attached is a statement from Capita One with the amount owed and payment due. Please hold them accountable for damaging my credit which has caused harm to my well being as well.
Consumer complaint received 2021-12-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Global Equity Finance, Inc. (CA)

I was solicited via direct mail by Global Equity Finance in XXXX of XXXX for a refinance on my existing conventional home loan. I responded to the advertisement and was told to apply online and was approved on XX/XX/XXXX. I subsequently provided all the necessary documents requested, paid for an appraisal, new HUD tags, etc. and was supposed to close yesterday, XX/XX/XXXX. I was told today that my home is ineligible for refinance because the build date was XXXX. They said their records showed my home was built in XXXX. I never provided that date, their records were wrong, they solicited me and charged me hundreds of dollars during the process and then cancelled the refinance. I should not be financially burdened by their incompetence and incorrect data. Had I ever been asked what year the home was built I would have told them XXXX.
Consumer complaint received 2021-12-29
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. (FL)

Disputing late payments reported for XXXX XXXX XXXX on credit reports. On time payments were made. Report payment history with an X to represent Unknown or delete XXXX XXXX XXXX account in entirety from credit reports.
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Disputing late payments reported for XXXX XXXX XXXX on credit reports. On time payments were made. Report payment history with an X to represent Unknown or delete XXXX XXXX XXXX account in entirety from credit reports.
Consumer complaint received 2021-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

credit cad was on auto pay for $ 100.pe month. the company raised the minimum to {$100.00}. they received {$100.00} before due date charged {$40.00} late fee for XXXX bill I don't pay late so I don't pay late fees. I sent them {$110.00} for card payment. plus additional XXXX for {$1.00} short payment from XXXX. So now i paid both monthly payments on time an they want {$80.00} in late fees which they ad to the current payment. the treatment is criminal. 
that they ae not happy with the 17.5 % interest they want fees on someone that pays on time.