davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST (NE)

On XX/XX/19 I made a made a mobile deposit of {$3000.00} in my Bank of the West checking account from my XXXX XXXX checking account. According to XXXX XXXX the check cleared the next day. Bank of the West put a hold on the check for 10 days. When asked why I was told because it was a mobile deposit. On the mobile app it only says in vague terms that deposits could be subject to hold. It doesnt give dollar amounts of deposits that could be subject to hold, or the number of days the hold could be for. Customer service was unhelpful in explaining why the hold was in place and how it could be removed. They kept rerouting to other areas, all equally unhelpful. Finally I went into a branch, where at first I was told all they could do was give me another number to call. When I protested that that was what I had been told multiple times, a branch employee called XXXX XXXX to confirm the check had cleared and the hold was released. Why did it take me having to go to the branch for this call to happen? This took a week of getting the run around from unhelpful employees and there was no notice this would happen. The app says funds are available in 2 days, but there may be a delay. This is deceptive and abusive. This arbitrary hold caused me not to have access to my money and caused undue hardship with no explanation why.
Consumer complaint received 2019-09-13
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: CCS Financial Services, Inc. (HI)

CCS Collections has received disputes 2 disputes for the account entry reflected on of my bureau reports. In my previous correspondence to them, I have requested that they prove the debt they placed on my credit reports and alleging I owe, is indeed mine. I never received a dunning letter nor any correspondence from them notifying me that they were attempting to collect a debt. My requests specifically requested that they provide an agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, alleged account number, original delinquency date, date this alleged debt became payable as well as complete accounting of alleged debt. To date, to no avail. Additionally, I have disputed with the credit bureaus and they submitted documentation that states CCS verified the debt ; however, CCS has yet to respond to both of my requests made to them sent certified mail. My certified receipts validated that both letters were received by CCS in XXXX and XX/XX/2019. This erroneous, inaccurate, unverifiable entry on my reports is violating my consumer rights and has caused me denials for credit. Please see attached documents that reflect my numerous attempts to communicate with this company.as well my credit reports that reflect this erroneous, inaccurate entry. The mere fact that CCS has never sent any correspondence to me notifying me that I owe an alleged debt. This is a direct violation of my rights. Blatantly inserting an entry on my reports not notifying me violates my rights as a consumer to dispute the validity of their alleged claim. DELETE THIS ENTRY IMMEDIATELY AND SEND A FULL, UPDATED COPY OF MY CREDIT REPORTS THAT REFLECTS THE AFOREMENTIONED OUTCOME.
Consumer complaint received 2023-03-29
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. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2019-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (GA)

Payment Errors : I made 4 payments to XXXX XXXX, XXXX. c/o LoanCare , LLC in XXXX and XX/XX/2019. XXXX credited the first 3 payments on the dates received, then reversed the payments on XXXX  and credit the third payment as the only payment made before selling the mortgage. The payments have now been credited to my account, but I can not get them credited to the correct dates -- costing me hundreds in interest. I spoke to both XXXX and the new lender ( XXXX ) who incorrectly told me dates don't matter, and that I would never get the dates changed. I sent both servicers certified letters documenting my payments. XXXX did not reply to my written complaint and XXXX replied, but said they don't see any problems. 
1 ) On XX/XX/XXXX I paid XXXX XXXX, XXXX. c/o LoanCare , LLC the amount of {$42000.00}, which should have been credited to principal. This payment was initiated directly from the XXXX mortgage website ( XXXX XXXX XXXX ). This payment was not credited to my account until XX/XX/XXXX. 
2 ) On XX/XX/XXXX I paid XXXX XXXX, XXXX. c/o LoanCare , LLC the amount of {$27000.00}, which should have been credited to principal. This payment was initiated directly from the XXXX mortgage website ( XXXX XXXX XXXX ). This payment was not credited to my account until XX/XX/XXXX. 
3 ) On XX/XX/XXXX I paid XXXX XXXX, XXXX. c/o LoanCare , LLC the amount of {$1900.00}, which should have been credited as a normal payment. A check was mailed to XXXX XXXX, XXXX. from my credit union. This payment was not credited to my account until XX/XX/XXXX. 
4 ) On XX/XX/XXXX I paid XXXX XXXX, XXXX. c/o LoanCare , LLC the amount of {$1000.00}, which should have been credited to principal. A check was mailed to XXXX XXXX, XXXX. from my credit union. This payment was not credited to my account until XX/XX/XXXX. 

Failure to provide accurate information regarding mortgage servicing transfers : XXXX XXXX, XXXX. c/o LoanCare , LLC failed to tell me that my loan was being transferred to XXXX prior to the transfer. When I called XXXX XXXX, XXXX. c/o LoanCare , LLC on XX/XX/XXXX, I was told that XXXX received my loan on XX/XX/XXXX and XXXX staff told me they could no longer help me, because I wasn't their customer. After I complained via phone to both companies, I received a letter from XXXX dated XX/XX/XXXX ( the date I called ) letting me know that they would be taking over my loan on XX/XX/XXXX.  Both companies told me it was my responsibility to work with the other company to resolve my payment errors, even though by law they're supposed to work together to correctly credit payments made during the transition period. I have attached the letter I sent to both companies in XXXX.
Consumer complaint received 2019-09-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (MO)

There's more to the issue than what options were available. 

The account through Bluebird through American Express was used to make a purchase in the amount of {$49.00}. Funds ended up being added to the card later, in the same or similar amount as the purchase, but were subsequently removed. 

A separate account, the one for which the purchase was made, has recently informed me that the funds were returned from them to the Bluebird account, but since the funds were added and then removed again, I had not recieved the benefits of the returned money. 

Now, the second account has been temporarily suspended, until I can repay the returned funds. 

Additionally, Bluebird has also Permanently suspended my account, and will not allow me to contact them to resolve this issue.
Consumer complaint received 2019-09-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: GRANITE STATE MANAGEMENT & RESOURCES (NY)

I applied for student loan forgiveness with the XXXX DOE on XX/XX/XXXX, for my many years of teaching with them. I received approval in XX/XX/XXXX. I immediately faxed the approved student loan forgiveness to Granite State Management & Resources, from XXXX XXXX XXXX, here in XXXX, NY where I live. I fax successfully went through and I received the ok, as I always do when I send a fax out from this library. 
Granite State Management & Resources, has told me over the phone that they have never received this information. It is on record with the XXXX DOE and apart of the fax system at XXXX XXXX XXXX, in XXXX, NY. 
I have also been on unemployment since XX/XX/XXXX. 
I have sent them documentation on several occasions proving my unemployment. Granite State Management & Resources, is also telling me that they have not received the information, even though I have an ok that that information was received through fax. I have recently e-mailed them proof of my unemployment. 
They continue to add on cost to my student loan, refusing to issue me my granted student loan forgiveness from the XXXX DOE. They have also ignored the fact that I have been on unemployment from XXXX and then again consistently since XX/XX/XXXX.
Consumer complaint received 2019-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION (FL)

I have reason to believe that Navy Federal Credit Union is harassing me with location services and investigative services through the XXXX XXXX XXXX XXXX, since a private investigator was hired to locate my car. ( Please see Factual Content & CFPB COMPLAINT #  XXXX ). I have reason to believe this because when I spoke with a representative ( XXXX or XXXX ) at Navy Federal Credit Union over the phone one evening she said that XXXX XXXX will locate me. The tone behind what she said seems to imply a threat or investigative services, and this bothered me. It still bothers me. 

In the past a private investigator was hired to confiscate my property, and I am concerned that even though my car loan payments are current someone is still being hired to locate my property, observe, and report.
Consumer complaint received 2023-03-29
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$14000.00} OFFICE OF THE ATTY GEN XXXX Balance : {$12000.00}
Consumer complaint received 2019-09-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO. (PA)

My auto loan matured XX/XX/2019. In XX/XX/2019 I contacted Chase Auto to find out how to resolve since the final payment was {$2400.00} ( due to financial issues during the course of the loan, deferring payments to the end of the loan ). I spoke to a gentleman who advised me the full balance was due but I had 120 days from the due date of XX/XX/2019. I asked him to give me an actual date. He replied XX/XX/2019. On XX/XX/2019 a payment was processed by bank in the amount of {$400.00} which was sent in error through my bill pay. ( My error ). I contacted Chase to verify that they at least posted the payment to my account since I know that I had to make a full payment. Upon speaking with several reps, I was finally transferred to the repossession department where I was notified that my car is currently in repossession status. I asked why because according to a representative within their company, I was told I had until XX/XX/XXXX. I was told that my account was charged off on XX/XX/2019. This is the second time I've had to file a complaint on Chase Auto due incompetencies. I now am in a repossession status in which they can pick up my car any day. This is ridiculous.
Consumer complaint received 2019-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I called Transunion on XX/XX/XXXX to dispute some inquiries on my report that I did not recognize nor approve. Customer service did not help and refused to remove them from my report : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-03-29
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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-26
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)

In XXXX, I booked a trip for my daughter using XXXX. We cancelled the trip ahead of time and XXXX was to reimburse me. XXXX delayed providing the credit, however, continued to indicate that the credit would be posted right away. 

The credit card used was a XXXXXXXX XXXX XXXX for XXXX XXXX. XXXX no longer has any records of my activities, since I closed the card, once XXXX provided the reimbursement. 

I pay my credit cards on time and would like for this to be removed. Thank you for your assistance.
Consumer complaint received 2019-09-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (GA)

Hello, I am reaching out to CFPB regarding a signature loan with Navient XXXX XXXX. I have tried several times to inform them that the amount they are requesting me to pay monthly is unreasonable. The company has provided an interest only payment option as of XX/XX/XXXX for me to pay which is of no benefit to the loan. The option keeps them from calling me, which a representative informed me can be eight times a day. This form of harassment is asinine and should not be a business practice for a federal loan provider. I obtained this loan back in XXXX for a University that I did not graduate from and have been stuck with this burden ever since. When I was a minimum wage worker and not pursuing a college education, to keep navient from consuming 90 % of my income, I was forced to use the forbearance option as my only solution. Today, they want me to pay on the interest of the loan and when I can't afford that, they harrass me and my family with robo calls. The state of Georgia allow debt collection to begin at XXXX XXXX, the current time is XXXX, Navient has called me three times from three different numbers while I am at work. How can this be fair to consumers who only wanted to get a college degree?
Consumer complaint received 2019-09-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (WA)

XXXX XXXX XXXX XXXX submitted a credit screening on XX/XX/XXXX with Equifax , where on the XXXX I submitted the despite in question # XXXX and provided by fax myself on XX/XX/XXXX legitimate information regarding payment in full on XXXX XXXX in XXXX Washington which reflected on my credit report thus effectively holding up on a rental unit I amply for. Stagnant along with foot dragging with continuous disregard to my inquiry by Equifax has put my future and kids at risk and has caused great heartache and frustration.
Consumer complaint received 2019-09-13
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. (TX)

To whom it may concern : I am writing to inform you about some incorrect information I noticed on my TransUnion credit report I have 3 collections from XXXX XXXX XXXX in the amount of {$1000.00}, {$4000.00} and {$5800.00}. The collection agency told me they would have this false information removed and it has not been yet. I have a letter stating the removal of these accounts. 

Also Collection account XXXX XXXX, I do not have any knowledge of this account and XXXX XXXX XXXX is reporting a collection for XXXX XXXX  XXXX in which I filed a Identity theft report for that account thru the FTC. This is for this account and the account XXXX XXXX that is on my account.
Consumer complaint received 2023-03-29
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. (TX)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX Bankruptcy Reference XXXX : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2023-03-29
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. (FL)

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SMITH, ROUCHON & ASSOCIATES, INC. (MS)

I sent a debt validation letter to Smith Rouchon & Assoc. Inc, XXXX XXXX XXXX, XXXX, XXXX XXXX on XX/XX/2022 and they failed to verify the documents Ive ask to be sent over to me. Instead they sent only a bill with procedures on it.
Consumer complaint received 2018-12-24
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. (IL)

The two XXXX accounts listed below I was blocked from accessing the accounts or paying them. I had no way of bring them to positive status. 

XXXX XXXX {$1600.00} Other Negative XX/XX/2017 XXXX XXXX {$2700.00} {$1000.00} 274 % Revolving Paid XX/XX/2017 XX/XX/2017
Consumer complaint received 2019-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management (SC)

I contacted XXXX XXXX XXXX on XX/XX/19, XX/XX/19 and again on XX/XX/19 concerning a fraudulent account that was placed on my credit report by their company. I have spoken to a representative and explained that this is a fraudulent account. I have emailed correspondence to include my police report, identity theft affidavit and a copy of utility bill and still this company has not responded to my concerns. This company never contacted me via written correspondence and illegally placed the information on my credit bureau report. The company status has been revoked by the XXXX XXXX XXXX.