davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-26
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)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2021-12-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (CA)

On XX/XX/2021, I noticed unauthorized charges from my XXXX account and reported to XXXX right away as well as to my credit card company XXXX XXXX XXXX ). 

Starting from XX/XX/2021, XXXX sent me XXXX emails telling me I got double credits for the disputes I filed and put {$530.00} into my XXXX balance negatively. 

I called XXXX right away upon seeing these emails and charges placed by XXXX and asking for getting the issue resolved. None of my XXXX calls get the problem settled. 

Now I start receiving debt collection calls and mails.
Consumer complaint received 2021-08-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

Firstmark student loan servicer has taken over for XXXX XXXX as the servicer for my private student loans. Under XXXX XXXX I had one monthly payment I paid early, more than the amount due and never had an issue. 

Since Firstmark has taken over in XX/XX/2021 they have misapplied my payment EVERY month requiring MULTIPLE PHONE CALLS AND EMAILS to have a payment paid in full and usually 2 weeks early. They show part of my account as past due and apply my payment only to partial sections of the total loan balance. 

This month XXXX the LOST my payment. When I called with my bank information giving proof of dates and proof that the transfer had been received by firstmark their representative told me that First mark " lost multiple XXXX  XXXX  customer payments this month '' the payments were misapplied. 

I have looked to refinance this loan however the only other available lenders all uses this awful servicer as well
Consumer complaint received 2021-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (NY)

Im loyal customer and this bank denied me another credit card that offers travel rewards I applied for a XXXX credit card and was declined for one reason and my credit is good its unfair for having too many recently new accounts this isnt fair their are the only bank denying me
Consumer complaint received 2019-08-05
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)

I notified Transunion about a false pubic record on my report. This was some bankruptcy that was not mine. I was a recent victim of ID theft and have placed security freezes on my XXXX XXXX and other data information companies until I resolve this matter. TUC states they " Verified as accurate '' this bankruptcy when in fact they DID NOTHING. The court this was filed in can not and will not release information to any 3rd parties. These is a freeze on my information and they did not obtain anything from XXXX XXXX and others. They have LIED and violated FCRA by stating they verified something when they did nothing and received nothing. These companies simply send out letters and NEVER actually investigate. Under FCRA THEY MUST VERIFY BY DOCUMENTATION. I requested they provide it and they can not. This false information is harming my chances of getting employment. As such I am suffering financial injury.
Consumer complaint received 2022-03-26
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. (NJ)

XXXX XXXX XXXX XXXX XXXXXXXX The requested investigation did not provide the documentation or update my credit report therefore they ... XXXX XXXX XXXX XXXX have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715,719. I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2021-08-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (NC)

The debt collector LVNV funding - reported on my credit for an amount of {$1400.00} in XXXX of XXXX for an XXXX XXXX Credit Card that was last delinquent in or around XXXX. Firstly this debt is older than 3 years, and has passed the state of limitations in the State of North Carolina, when LVNV reported it to the credit bureaus. Prior to them reporting this debt to my credit, I hadn't received any notification of said debt. After doing some research and attempting to purchase a home, it was bought to my attention that they had filled a judgement on me. I was never served papers nor did I have the opportunity to dispute the debt, before the lawsuit was filled. I reached out to LVNV funding on or around XXXX / XX/XX/XXXX to obtain information of said debt. They directed me to Resurgent Capital Services. I then attempted to dispute the debt with them, they advised that I need reach back to LVNV funding. I did just that. After speaking to a representative, I verbally disputed the debt, and they informed me that they would be sending my documentation to validate the debt. I did not receive said documentation. I then disputed the debt by sending a letter. I thenI attempted to call back two additional times to just settle the debt, and this is preventing me from moving forward from purchasing the home. Each time they refused my settlement offer. I explained to them that I did owe the debt, however the amount I wasn't agreeing with. I am filling this complaint as they are unwilling to work with me, they have filled a judgement on a debt that was outside of the statute of limitations, at the time the debt was presented to the credit bureaus. Lastly as a consumer - I don't believe I was notified properly about the debt, provided details about.
Consumer complaint received 2021-12-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I received letters from JP Morgan Chase in mid XXXX notifying me they will no longer offer services to me and closed all of my accounts, including 1 x Checking, 2 x Investment Accounts, 2 x Credit Card Accounts and a Safe Deposit Box. 

As soon as I saw the notices, I went to the nearest branch to find out the reasons, but they said the department that sent the letters to me are unreachable by branch associates and there was nothing they could do to help me with the situation. 

I called the number listed on the letter but they were unable to offer any answers. 

As I looked at my account transactions, I came to realize what may have triggered a red flag on my account. 
I made deposits from my own checking account from XXXX  XXXX XXXX by writing myself a check, then when the check cleared, I wired part or all of the money to a different financial institution where I hold an account with. The reason I used Chase is because they offer free wire services to clients, whereas XXXX XXXX XXXXXXXX does not. 
I have all supporting documents to prove the accounts involved are all mine. 

I don't know if this is the reason or not, since Chase is not sharing any information, but if it is, I was conducting banking transactions that I'm entitled to, and if it caused to raise a red flag, they should have at least inquired or notified me before coming to a decision to end the relationship with me. The communication is one way only, and I feel my rights as a consumer is violated. 

I'm having 2 of the major credit card accounts closed, so this will have a big impact on my credit score. I'm having to find another safe deposit box, which is nearly impossible in this area. I'm having to open another investment accounts, but I can not make any transaction ( other than sell ) during the transition. These things are impacting my life in a very big way, and I believe this is totally unfair.
Consumer complaint received 2022-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC. (PA)

I submitted a complaint ( XXXX ) on XX/XX/2022 to the CFPB regarding debt collection by XXXX XXXX XXXX XXXX XXXX ( XXXX ) of a fraudulent account of which I became unaware. 

On XX/XX/2022, XXXX XXXX, Support Services Manager, of XXXX XXXX XXXX XXXX XXXX ( XXXX ) responded to the CFPB regarding my complaint. I thought the issue was resolved at that time. 

However, in a letter, dated XX/XX/2022, from Halsted Financial Services ( XXXX ), I was informed that XXXX placed my account for collections with Halsted Financial Services ( Reference Number XXXX ). This is simply a fraudulent scam perpetrated by two collection agencies and probably the original creditor, XXXX XXXX, XXXX. that needs to be investigated.
Consumer complaint received 2019-08-05
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. (SC)

I've been a victim of identity theft. My information was expose in both the XXXX  breach in XX/XX/XXXXand when South Carolina taxpayers were exposed after a server at the state 's Department of Revenue was breached in XX/XX/XXXX. I've noticed several accounts listed on my credit report that I was not aware of nor did I open or benefit from. Each time I've called I was told to send letters, which I did, but I'd call back and every rep could not locate my submissions properly since neither call center was located in the United States. 

PLEASE ACCEPT THIS COMING FROM ME, MYSELF, I WILL ALSO MAIL IN COPIES WITH MY SIGNATURE VIA CERTIFIED MAIL.
Consumer complaint received 2021-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I regularly pay my card off and always pay my card on time. When I paid my card the other day for a total of {$110.00}, I received a notification that my payment had been received and posted, and the funds had been withdrawn from my bank account. Normally, I would be able to use the {$110.00} within a few business days, however the funds did not become available. I called Capital One on XX/XX/XXXX in the morning when the lady informed me that she was unable to fix this issue and that the funds were to be held until XX/XX/XXXX. I then called later, and spoke with a supervisor who then stated the same thing and also stated the reasoning theyre placing a hold on my account is because Ive paid 10 times in XXXX. She also tried to place blame on my bank stating that they havent cleared the funds, moreover I stated that the funds had in fact already been withdrawn from my account. I informed her that I always pay off my debts and always pay on time and she further stated that Capital One has the right to hold funds at any time.
Consumer complaint received 2021-12-10
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Nj, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX Dear, Sir or Madam, I am writing today to exercise my right to question the validity of the debt your agency claims I owe perused to the FCRA ( Fair Credit Reporting Act ). I found errors dealing with fraudulent accounts that are hurting my good name. Someone stole my information and signed up for something in my name. I am aware that section 609 requires you to have verifiable proof of my signature. As is my right, I am requesting the validity of my signature or that the items that the items listed below be removed from my profile. 

ACCOUNT NAME : - ACCOUNT NUMBER : XXXX Balance : {$24.00} ACCOUNT NAME : - ACCOUNT NUMBER : XXXX Balance : {$60.00} ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX Additionally, I have highlighted these items on the attached copy of my uploaded statement. I request that all future correspondence be done through email. As stated in the FCRA, you are required to respond to my dispute within thirty days of receiving this letter. if you fail to offer a response all disputed information must be deleted. Thank you for your Prompt Attention to this matter.
Consumer complaint received 2019-08-05
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. (NC)

A couple years ago while at a theme park I lost my backpack with all of my information inside. I had {$600.00} inside of my wallet, social security card, debit card and some other personal belongings. The accounts that I'm disputing does not belong to me and I would like them deleted as soon as possible
Consumer complaint received 2021-12-09
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: EQUIFAX, INC. (TX)

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to XXXX XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2021-12-09
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. (TX)

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. transunion has me at a score around 592. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2018-09-16
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NJ)

Synchrony Bank Walmart closed my Walmart store card on XX/XX/2018 due to a return ACH payment from my bank. I called XXXX XXXX XXXX and was told that this was my second check returned within a year and it was automatically closed. I was told that I could dispute the decision only if I had documentation from my bank stating that it was the banks error. I have such documentation and I am submitting the letter to them. I thought I had previously sent in this information with my bank activity showing I had the funds to cover the payment but I still received a rejection to open my account back so I requested a more detailed letter from the bank and they sent it to me. The Walmart account should not be closed. It was a bank error and this should be re-opened
Consumer complaint received 2021-12-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX, I transfer {$30.00}, 000 to XXXX and XXXX XXXX XXXX, I wire {$10000.00} to XXXX again. This is scam. I realized it until they asked me to join the VIP. But they didn't tell me the truth under I join. Then, they freeze my account and force me to transfer more money in. 

The guy walked me through to transfer and wire. Chase is my bank. I called my chase bank today and they said they can try to recall the wire but they can't promise me anything. Also, the transfer $ XXXX, they don't do anything. Please help me to get my money back. Please. 

Scam : XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-12-09
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV INC. (CA)

Ive had a claim since XXXX and it got denied according to them because I didnt submit claim papers but I have screenshots and my emails to prove that I have sent I then call them to speak to a manager and tells me they havent got my emails so then i said okay well on my side it shows that I am sending it to the correct email and then they keep telling me to wait a couple days to update I been waiting its now several months and I made a new claim and the same thing so Im like okay so whats the next procedure because yoi guus keep telling me the same thing over and over and I keep waiting and each one tells me to wait till it updates I have screenshots that I am sending it to the correct emails Ive sent in the detective information Ive sent in police report and pictures of my place burglarized. On where all my knflrtmairon and passwords were stoled
Consumer complaint received 2021-12-09
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CARVANT FINANCIAL LLC (CT)

This is my second complaint filed against Carvant Financial. I had a vehicle Repossessed and the amount that was delinquent is now {$700.00} higher than when the account was written off. 

Carvant Financial half fixed the last complaint that had one year of late payments after the account was closed, when you read the last complaint you will see they agreed to fix this and it's still not correct. There should be no late fees or added interest to an account that is closed. The added late monetary amount reduced my credit score XXXX points.
Consumer complaint received 2021-12-10
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: Convergent Resources, Inc. (FL)

I sent letters to all three credit bureaus including creditors and havent gotten a response concerning results. These items should not be on my credit reports. I requested for them to show proof of compliance and verification and creditor havent been able to provide as requested.
Consumer complaint received 2021-12-10
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: Navient Solutions, LLC. (FL)

I sent letters to all three credit bureaus including creditors and havent gotten a response concerning results. These items should not be on my credit reports. I requested for them to show proof of compliance and verification and creditor havent been able to provide as requested.
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX, I submitted a dispute with Equifax as my XXXX XXXX XXXX  was reporting a missed payment on XX/XX/2015 that I had paid. I submitted my bank statement showing proof that the payment was made. Equifax reported that the payments were verified as reported correctly. And my dispute was ignored, since my dispute the account is now being reported XXXX on my credit report which has caused my credit score to drop XXXX points. And I was denied credit.