davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TCF NATIONAL BANK (MN)

I noticed on the XXXX that i was negative in my account. I have until XXXX through tcf to fix it.so i deposited XXXX dollars to fix my negative balance at XXXX that night.which left me at XXXX.The next day XX/XX/XXXX i noticed i was negative again.So i deposited XXXX at XXXX that morning which left me at XXXX. On XX/XX/XXXX i woke up, checked my account and noticed i had an XXXX over draft fee. When i called to ask why, the lady told me my negative balance was from the day prior.which is impossible considering i fixed my account the day prior.luckily she agreed to help and take off -XXXX to make it -XXXX.i called back again that day still not understanding and they then told me its possible my fees came out at noon on the XXXX.which still doesnt make sense.they charged me 5 over draft fees total. One which i shouldnt have even gotten considering im allowed to have up to negative XXXX bucks before being charged.when breaking down the over draft fees, they charged me one for -XXXX. I went into the bank today for them to tell me that my funds on the XXXX must have came out after i fixed my account with the XXXX dollars that day.so basically what they are trying to say is they must have taken the funds out at after XXXX on the XXXX.when i asked if they could tell me what time kwik trip took out those fees he told me there isnt a way of knowing because they dont have the times when kwik trip ran it through ( which makes no sense ) however, they showed me what times the other funds came out but when they showed me they told me they could not give me that form to leave with because its the banks. How am i not able to take a copy of that home?! Please look into my account and please help me.i feel as though they are stealing from me.
Consumer complaint received 2019-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (IL)

I have for the past couple of years tried to get a higher credit line on my marvel  mastercard to barely no avail. Syncb increased my limit by {$1000.00} in the past 2 years, even though my income and my credit score have been rising according to there own system. I rarely use the card any longer so to its artificially low credit score. I have tried to escalate on multiple occasions, yet the managers are not even empowered to be able to overturn decisions that do not make sense. I have been a long term syncb client, and have substantial lines with them on other cards ( which I have offered to cut/close if nessessary in order to qualify on the card that I would like to use which is the marvel MasterCard.
Consumer complaint received 2021-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

DEMADE TO COMPLY! 


Please reference CFPF Record # XXXX. 

This compliant has been going on for months and TransUnion is the only CA report this account XXXX XXXX XXXX XXXX XXXX XXXX # XXXX and in violation of my rights! Why should they be allow to publish this false information in my credit report and keep delaying the removal? 

It has been over 30 days and it's staying this can back to me within 60 days. Why do I have to be delayed for there bad business practices? Again, I will move forward with contacting the attorney that sued XXXX for XXXX XXXX dollars. As from this point Trans Union was provide the opportunity to correct the issues and refuse to do so, now they will be FULLY RESPONSIBLE IF I APPLY FOR A HOUSE AND GET DEINED. 

They will have XXXX pay for all damages and address legal fees! 

Please remove this account ASAP. I have reference all combined complaints in the prior compliant along with support documents. 

Per the law, they had 15 days to comply with my request and they have yet to do so.
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (KS)

I had several hard inquiries on my account that I did not authorize. I called and sent several dispute letters. 

Company TransUnion Date : XX/XX/2020 XXXX XXXX Date : XX/XX/2020 XXXX card Date : XX/XX/2020 XXXX XXXX Date : XX/XX/2020 XXXX card Company Experian Date : XX/XX/2020 XXXX XXXX Date : XX/XX/2020 XXXX Date : Dont show XXXX XXXX Date : XX/XX/2020 XXXX card
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2021-08-23
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. (NJ)

The Credit Bureaus known as XXXX, XXXX, and Experian are still reporting old inquiries from more than 2 years ago. these inquiries are hindering me from get approved for a new line of credit. I demand these inquiries need to be deleted immediately. 

Furthermore XXXX, XXXX, and Experian are reporting addresses that I never resided at. The addresses " XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX '' nee

ds t o be removed from my credit report immediately. 15 USC 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. You have violated 15 USC 1881 ( 4 ) for that reason your inaccurate reporting hurt my ability to obtain new credit.
Consumer complaint received 2019-06-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

The card that was provided wasnt a credit card. The card was a debit card. XX/XX/2019 spoke to collections department. He stated the debit come in their system as a credit card. Which isnt the case. We called on XX/XX/2019 to enrolled in the program. Its not our fault their system stated its a credit card. We dont have credit cards. In the past we did talk to their customer advocate team and they never answer their phones. We had a person assigned to us name XXXX and she never return phone calls. The same number Navient provided we call before, which is XXXX. This company provided incorrect information to XXXX XXXX. Im willing to work with Navient. But different agents provided different answers. I would also like for the call on XX/XX/2019 to be pulled. Card ending with # XXXX was provided.
Consumer complaint received 2019-08-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TX)

On XX/XX/2019 I had sent XXXX XXXX from XXXX XXXX to Coinbase Exchange so that I could sell the currency. At the time worth approximately {$10000.00} ( Current value at the time of writing this complaint, {$8500.00} ) My Coinbase wallet address and destination tag were included. The transmission receipt shows that Coinbase received the currency however it was never credited to my Coinbase wallet. I contacted Coinbase XX/XX/XXXX to inform them that my funds hadn't arrived in a timely manner and they told me it would take five days to investigate. Immediately after getting off of the phone, I received and email from Coinbase support stating that it would take four to five weeks for a specialist to review. So I called back and they assured me that they would escalate the case. I have received several automated email messages since, stating that my case is being reviewed by an account specialist. This is still unresolved. 

Transaction XXXX : XXXX XXXX    XXXX
Consumer complaint received 2022-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pacific Retrieval LLC (CA)

XX/XX/XXXX Wednesday, I called Pacific Retrieval LLC because I received a collection notice that I Owe XXXX to their client XXXX XXXX XXXXXXXX XXXX, when the representative got on the phone he already had a attitude & was talking rude when I started to talk I told him I am glad that this call is being recorded he then proceeded to interrupt me and tell me I was badgering him and that he will Sue me and take me to court & get my money & he was gon na give me XXXX more chance to talk nice when I started to talk he then interrupt me again rudely and started saying things, I just hung up, I then proceeded to call back & try to talk with someone else & they refuse to help me & hangup on me. This debt is not mine apparently in XX/XX/XXXX I sold a car sent in my release of liability to XXXX. They got this car in XX/XX/XXXX & apparently the person I sold it to did not register it with XXXX, Ive sent a email with copies of everything, Im sending them a certified letter with A copy of bill of sale. They refuse work with me & want to just get a judgement against me even with the proof in front of them, its impossible to talk to anyone over there.
Consumer complaint received 2022-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION (DC)

Someone stole my debit card and other personal information from the mail and used it to make purchases at XXXX XXXX and XXXX XXXX while I was at my workplace. Both purchases were in excess of {$900.00}. I immediately notified M & T Bank that I had not received a debit card and that I did not make the transactions ; and did not authorize any other person to make such transactions. The next business day after I notified M & T Bank it denied my claim because it said the debit card and XXXX were used to make the purchases. I have learned that M & T Bank can not legally hold me liable for transactions I did not make ; despite the fact that a debit card it issued to me ( which I never received ) and XXXX  ( which is part of my SSN ) were used. Please see the Electronic Fund Transfer Act. I want M & T Bank investigated and held liable for its denial of my claim in violation of the law. I am in the process of contacting lawyers and getting assistance in filing a case in the DC XXXX XXXX.
Consumer complaint received 2024-04-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

I have had my chase checking account for over 5 years with no issue. Out of quite literally nowhere, I was informed the day of that my checking account was closing due to " protection against fraud '' through an email notification. I reached out and called their fraud protection department as the emailed informed me to do immediately after reading it. To which they informed me that the account would be closing indefinitely, and when I asked for a reason as to why they could not find or at least say it. But when I went into one of their institutions to withdraw my funds from said account, I was met with an exhausting amount of wait time. When I finally managed to sit down with a representative, they called a couple of different numbers, then told me they wouldn't release my funds to me, regardless of whether I had my identification and bank card present or not, which I did have both present at the time and indeed showed the representative who verified my identity. And they told me they had already sent out a check, but when I called to attempt to get an update on the status of the check, I'd been informed that my account wasn't even closed as of yet and that it would be closing on the XXXX of XXXX, and the check would be sent out on the XXXX. If that were the case, why was I not able to withdraw my funds if my account was supposedly already closed when I'd arrived at a chase bank? The entire situation has been extremely inconvenient on top of being quite frustrating to deal with so suddenly, especially with having to deal with taking care of important upcoming bills without the funds I had in the before mentioned account, as well as not being given any explanation of why it was closing at that.
Consumer complaint received 2022-07-07
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: Bread Financial Holdings, Inc. (TX)

I have a credit card with Comneity Bank called XXXX Credit Card. There website has been down at least 6 weeks. You have no idea when a payment is due on the account. I called in this past month and they took the payment over the phone, a day after the due date. 

I just called in and asked that they verify that my bills are digital because I am in the process of moving. I was told that I have to go online and make the request. Keep in mind that their website is down. What do I do as a consumer with this?
Consumer complaint received 2022-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

In XXXX I reached out to Mr. Cooper requesting that my PMI be removed. I made major repairs to my home and purchased the home below market price. I know my have has a minimum equity of over XXXX. I requested that the mortgage insurance be removed from my loan as I have made substantial repairs and upgrades that makes the LTV to be over 70 %. The representative that took my call informed me that based on the repairs I qualified and that the home had to be appraised. I waited over a month and nothing happened. I called back and they informed me that the order for the appraisal was cancelled but could not say why. I asked why I was not notified and she said a letter had to go out. I informed the lady that I would not receive a letter as my account was set up to receive all correspondence via email. 
She then said, she would escalate to a manager. She then called and informed me that the reason for the cancellation was sent electronically. Which I did receive on XXXX that the reason I did not qualify was " Other and that I should call the customer service desk. '' Which I found this to be an in appropriate reason. I called back and they said that I did not qualify as my loan was not seasoned for two years. Again, I was puzzled as I did not find that to be a qualifying factor when I looked at their guidelines. I again informed the representatives of all my upgrades and the market value of my home. She said she would escalate. Two days later she called to tell me that I did not qualify as the guidelines for the loan to be seasoned was not Mr. Cooper 's rule. 
I informed her that under the Homeowners Protection act, my loan did not have to be seasoned and that I insisted that this matter be reviewed again. She said they would and that I would receive a new letter with the reason clearly described. I have yet to receive a letter from Mr. Cooper and now they claim that my matter is closed. I emailed them the below information and I still can not get them to appraised my home so that the PMI is removed. 



Other things to keep in mind about the Homeowners Protection Act Loan investors, including XXXX XXXX  and XXXX XXXX, often create their own PMI cancellation guidelines that may include PMI cancellation provisions beyond what the XXXX provides. But these guidelines can not restrict the rights that the XXXX provides to borrowers. For example, the XXXX does not contain any requirements for a loans tenure before a borrower may request cancellation or be eligible for automatic PMI termination ( known as a seasoning requirement ). 

With this information, please advise how quickly can the appraisal be scheduled since you have had my request for over 30 days.
Consumer complaint received 2022-03-22
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 — Problem with personal statement of dispute
Company: DISCOVER BANK (IL)

I attempted resolved the noncompliance issue with Discover Financial. I am aware when a federal government agency or an applicable financial entity ( a creditor ) has discharged ( canceled or forgiven ) a debt you owed, or because an identifiable event has occurred that either is or is deemed to be a discharge of a debt of {$600.00} or more.

Discover Financial is currently reporting on my consumer report that {$17000.00} has been discharge/profit loss. IRS requires if a creditor has discharged a debt owed, I am required to include the discharged amount in my income, even if it is less than {$600.00}, on the Other income line of my Form 1040 or 1040-SR. Discover Financial is reporting that this account discharged. Discover Financial did not issue 1099C during that tax year. Discover is not in compliance with this debt and committing consumer violations on its unethical recovery tactics with the credit bureaus and IRS.
Consumer complaint received 2021-06-15
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. (CA)

I want to place disputes on my credit via fax to XXXX, Equifax and XXXX. Online and on XXXX, fax numbers are given, but all ring busy or are saying " the line is no longer in service. '' This is misleading and highly inconvenient, in addition XXXX : XXXX NEVER allows you to upload documents. It continues to give an " ERROR '' message when trying to upload documents that are within their required parameters. This site is fraudulent in my opinion, not allowing it to be used at all on purpose. This is the 21st century and not everyone feels comfortable with sending highly sensitive documents ( ie. Social Security, Identification cards, etc ) in the mail. Mail has been proven to be tampered with, stolen, inconsistent, and so on. We need to be allowed and assisted to submit our important documents DIRECTLY to these agencies via FAX and/or UPLOAD ONLINE.
Consumer complaint received 2021-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want to place disputes on my credit via fax to XXXX, XXXX and TransUnion. Online and on XXXX, fax numbers are given, but all ring busy or are saying " the line is no longer in service. '' This is misleading and highly inconvenient, in addition XXXX XXXX XXXX NEVER allows you to upload documents. It continues to give an " ERROR '' message when trying to upload documents that are within their required parameters. This site is fraudulent in my opinion, not allowing it to be used at all on purpose. This is the 21st century and not everyone feels comfortable with sending highly sensitive documents ( ie. Social Security, Identification cards, etc ) in the mail. Mail has been proven to be tampered with, stolen, inconsistent, and so on. We need to be allowed and assisted to submit our important documents DIRECTLY to these agencies via FAX and/or UPLOAD ONLINE.
Consumer complaint received 2019-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Today I called in to request a credit line increase on my XXXX   visa. The rep informed me there there would be A hard pull on my credit report. I agreed to the hard pull being completed. I was transferred to a credit analyst to ensure that the pull wasnt done on a frozen report. I was informed it was not. That they could preform a reconsideration as my request was declined. I agreed. He asked me for the credit line amount I was looking for, I indicated {$40000.00}. The reconsideration took according to my phone 39 minutes. The analyst asked me questions about a line of credit for {$200000.00} I explained that was my home equity line of credit. He then asked questions in regards to an 8.5 year old bankruptcy of which I explained. He then came back on the line several minutes later and asked about two XXXX XXXX loans. I explained they were student loans that I refinanced this year to get lower fixed rates from variable rates. He puts me on hold again, and comes back a few minutes later and tells me I am declined for to many inquiries and high utilization of revolving credit. I explained to him that most of the inquiries were related to a mortgage purchase in the past 90ndays. He mentioned ones from XX/XX/XXXX and XX/XX/XXXX, which were from refinancing my car loans, student loans, and home into better rates, which cut my interest expense per month by over {$2000.00}. And the revolving utilization was neatly all on my home equity line of credit ( Not factoring the HELOC my utilization is around 6 % ) He apologized and said my request was declined. After spending nearly {$150000.00} on there card and paying there balance in full, he could not approve me do to to many inquiries. 

When I got home, I got an alert that a second credit report was pulled by XXXX. When applying for the increase the disclosure was read that indicated A credit report may be obtained. A report is defined as one, I had 2 pulled. The second report was not authorized and I would like the second inquiry removed as an error.
Consumer complaint received 2024-04-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

Portfolio recovery associates LLC calls my number XXXX and number XXXX several times a day with different numbers. And yes I know it's them because I have called some of the numbers back and told them several times to stop calling both numbers. Please help me to get these calls stopped. I have told them I am in the process of filing bankruptcy and and an attorney would be in touch with them as soon as I have one. But they continue to call over and over. I have all the numbers they call from saved so they can't lie. They call from Colorado numbers hoping I will answer the calls.I have even screened the calls at which point they hang up. They are also looking for someone by the name of XXXX XXXX or XXXX not sure I couldn't understand who they asked for just know the last name is correct. I have no clue who that is on either number I have given you. I would like them to cease any further communication. I want these calls to stop on the XXXX and the XXXX.