davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-28
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. (FL)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

I am receiving letters from Portfolio Recover Associates, LLC saying that I owe {$1200.00} from a transaction with XXXX XXXX  on XX/XX/2019. I do not have a XXXX XXXX account and believe that this is fraud.I called Portfolio Recovery to say that I did not make this transaction and they are asking for a lot of personal information which I am suspicious of. My attorney advised me to contact the CFPB to resolve this matter.
Consumer complaint received 2022-07-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OR)

On XX/XX/XXXX I noticed a charge from XXXX XXXX in the amount of {$250.00} and called Chase to report the charges. While I wait on hold, I notice other charges from the same company totaling {$600.00} on XXXX and then again on XXXX totaling {$600.00}. Once I got someone on the line with chase they asked me to look at the account to see any other non-authorized charges and I found a lot. Dating all the way back XX/XX/31 for XXXX for {$36.00}. Chase is Claiming a 60 Day Rule as company policy and Credit back all the small charges. But refuse to credit the charges listed above because it was outside the 60day start from the first Fraud. I have Contacted XXXX and they are waiting on Chase to start a claim with them to date Chase has done nothing.
Consumer complaint received 2021-04-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (IL)

I unable to make any withdrawals from binance us. Im able to deposit, buy/sell but " withdrawals are suspended due to risk management '' is the message I've been getting. I have never made any withdrawals from my account. My first attempt was about 2 months ago. When I got this message, I didn't think anything of it, I thought they're going through some maintenance. A weeks later I tried again and received the same message. At that point I contacted support and have yet to hear back from them. My ticket numbers are XXXX, XXXX, XXXX, XXXX. Its troublesome to believe that a company that holds billions of peoples dollars does not have etiquette support to handle such issues. I have over {$90000.00} in the account I cant withdraw from or get any response from support. 
Please help my account number is XXXX
Consumer complaint received 2018-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

I made three deposits, XXXX, XX/XX/2018, XXXX, XXXX, XXXX, XXXX. Well Them I paid my rent, which included some back rent, then paid the rent for XXXX. All totaling about {$1900.00}. The checks bounced and when I checked, there was a verification hold on my account. I called the number, several times, only to be sent to a voicemail. I tried other ways, but always got sent back to the voice mail. It said they would call me back. They never did. Now I'm in danger of being evicted.
Consumer complaint received 2021-08-27
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. (CA)

I previously mailed the attached letter below on XX/XX/XXXX and have yet to see any changes made to my credit file. Please review the attached letter I am providing which is pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft.
Consumer complaint received 2021-05-11
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: Bread Financial Holdings, Inc. (GA)

I have contacted all three Credit Bureau/Agency ( XXXX  ) and the Creditor ( XXXX XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Consumer complaint received 2021-12-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

Please be advised I have disputed these items on my report multiple times no one has sent me verifying items for these items on my report and it has been more then thirty days please investigate these matters immediately and remove off my report I have not receive any documents within thirty days and thats against fcra policy
Consumer complaint received 2021-12-15
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: Meridian Financial Services, Inc. (CA)

Collection agency Meridian Financial Services reported XXXX delinquent accounts for XXXX XXXX XXXX # XXXX, # XXXX and # XXXX ( XXXX separate accounts have the same account number ). These are time barred debts that are over XXXX years old that have been re-aged in violation of the FDCPA and reported as XX/XX/21 debts. The debts were not accurate originally and when XXXX dispute was made Meridian falsely certified on XXXX occasions that their reporting was accurate. In addition they have not responded with documentation requests in violation of my FCRA rights. These debts reported to XXXX should be removed as they are causing me financial harm.
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have 2 bankruptcies show on my Trans Union credit report .I contacted the court they stated they DO NOT share any information with third party.So how is it Transunion continuously stating it has been verified. Through WHOM?
Consumer complaint received 2021-12-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-08-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (CA)

I recently found out that the collection agency LVNV FUNDING LLC reported to my credit report without notifying me that I even had a debt and or that they were handling this alleged debt. 
When I found out this information I sent LVNV FUNDING, LLC a letter to the address listed on my credit report with the intentions of exercising my right to dispute/validate this debt. 
When I sent the letter to the exact address listed on the credit report directly from XXXX and XXXX the certified mail was ( RETURN TO SENDER UNABLE TO FORWARD ) They are inaccurately and incompletely furnishing information regarding the debt and in regards to me to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which they are responsible. 
They are violating my rights and causing me severe damage. We are in the process of getting a home loan and this is going to ruin it. 
I have the right to seek remedy for the damages from the courts, but at this point I just want LVNV FUNDING LLC to fix their mistake in its entirety.
Consumer complaint received 2019-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (PA)

I sold my home and the mortgage was with Ocwen Loan Services. The account is listed on my credit report as being late, when the home was sold and Ocwen was paid in full. I tried to work with Ocwen to get the matter resolved but had no luck. Can you please help.
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

We were charged fees on our Chase credit card that had a XXXX balance. We called the company and decided to close the account. The representative on the phone said the charge would be reversed and the account would be closed. We continue to receive emails about additional fees, late notices and threats to report us to the credit bureau. We called the company agian to review the problems and were assured that all fees would be removed and the account would be closed. Last phone conversation was in XX/XX/2023. Just received on XX/XX/2023 an email saying our account had been closed due to non payment and that we still owed all the fees charged.
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2018-07-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FirstPoint Collection Resources (NC)

XX/XX/XXXX sent dispute letter to verify to XXXX about the collections are incorrect due to the previous 3rd party had to remove collections because the medical bills were paid out of a settlement case from car accident liability case. XX/XX/XXXX sent 2nd dispute letter to XXXX   once again asking for verification and removal of medical collections.  Also sent by fax XX/XX/XXXX to XXXX XXXX XXXX XXXX ( 3rd party collections ) to verify and remove collections due to it was a liability case and was settled in XXXX. Also sent by certified mail to both the XXXX XXXX and Street address for XXXX XXXX XXXX ( 3rd party collections ).  Called on XX/XX/XXXX to have XXXX XXXX XXXX XXXX removed and they were rude stating it was my debt no matter how many times it would be sold and then they hung up on me. My credit was in great standings and in the 700 's ( for almost 2 years ) now its negative and in low 600 's.  The following are the amounts stated on my credit file : XXXX {$470.00} XXXX {$46.00} XXXX {$320.00} XXXX {$55.00} XXXX {$220.00} XXXX {$290.00}
Consumer complaint received 2019-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (DE)

This is now my third official complaint against Navient about bad business practices, allocation mistakes, and ignoring allocation directions. Whomever Navient is paid up with for protection or has bribed at CFPB, they are getting their moneys worth.

Outright, this company, Navient is shady. Every student loan statement comes with printed directions for allocating payments differently to include written instructions. " You have the option to instruct us to allocate payments differently or to not advance your due date. ... Clearly write your instructions on a separate piece of paper included with your check. '' I did so by dating a letter and mailing a large payment ( {$6800.00} ) on approximately XX/XX/XXXX. This amount was intended to pay off close to 99 % of the entire student loan debt so I could be rid of this terrible loan service company after getting extremely tired of all the printed statement confusion throughout XX/XX/XXXX and other on-going issues. The payment cleared on XX/XX/XXXX. The  allocation instructions were not followed, again. On XX/XX/XXXX at approximately XXXX, Navient customer service agent XXXX confirmed that they had indeed received the allocation instructions letter with the XXXX payment, and that is all I needed to know given previous experiences with this company. The most important takeaway I have from my experiences with Navient is that they blatantly choose to ignore written instructions pertaining to allocation. Any apologies or responses in regards to complaints are simply fluff. They do not follow written instructions, this fact can not be emphasized enough ; Navient should be penalized in some way.
Consumer complaint received 2021-12-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IN)

On XX/XX/XXXX I attempted to access my USAA bank account, and was greeted with a message to contact USAA customer service. It took until I got to an Executive Relations Team before anyone could figure out why, someone had tried to access my account with an invalid password over the last few days. USAA chose not to notify me of this. On to their CEO Resolution Team, I was told the fraud department would look at it ... 2 days later I am still locked out of my account while the fraud department is allegedly doing there thing ... no one knows when or how I'll get back into my account. This happened in 2018, this is the 2nd time USAA has allowed this to happen. In 2018 they allowed someone to take over my entire bank account, they refused to help, they refused to give me any information to protect myself, my financial records, my job or my security clearance. I suspect it was an inside job at USAA - no way this happens to the same person twice. Only after 14  months of constantly calling and complaining did they eventually tell me what happened. The relationship with them has been damaged ever since. I want back in my account so I can pay off credit cards I have with them and close the remaining accounts I have. This bank prey 's on military members by claiming they are for us, however, it is quite the opposite.
Consumer complaint received 2021-12-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I've sent out certified letter over XXXX days ago and I have not heard one peak out of this Transunion. I have no idea if they are even investigating my request. There are a few things on my credit report that is completely wrong and inconsistent. I ask that they complete a investigation and to these items and crickets. I can provide letters showing what I sent. I need help please my employment relies on it
Consumer complaint received 2021-12-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I have disputed multiple items on my report a couple of times I have not received no verifying items of these matters in my report and I have seen no letters detailing why these items have been on my report I read XXXX days of not verifying items on my report it has to be deleted
Consumer complaint received 2021-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (NJ)

Since last year of XXXX, my PayPal account has been restricted from use. This XXXX company claimed that my account had a negative balance since my linked bank account could not honor the transaction. PayPal began to send me letters to bring my account to positive. In the economic while dealing with my financial difficulties, I received a letter dated XX/XX/XXXX from debt collection agency XXXX XXXX XXXX XXXX for {$500.00}. Thereafter, another letter dated XX/XX/XXXX from collection agency XXXX XXXX XXXX. I attempted to call both collections to pay the debt and they had no record of it. I contacted PayPal to dispute the debt and they gave me another collection agency XXXX XXXX XXXX  number of XXXX ( XXXX ) XXXX. I called them as well with a conclusion of no record of any debt with my name. PayPal is an utter failure to resolving any issues and they need to lift restrictions off my account.
Consumer complaint received 2021-12-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (FL)

Transworld systems XXXX XXXX at XXXX  XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX  I give proper notice of move out and it was due to XXXX which is extreme unpredicted circumstance. The account balance is inaccurate, the lease clearly stated that its on month to month base and if not given proper notice Balance owed would be XXXX months rent and the fees added are excessive and dishonest activity. 
Please Verified the debt. is the actual amount.
Consumer complaint received 2021-08-27
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Kentucky Higher Education Assistance Authority (KY)

I have a repayment plan already have an income driven payment that has been set up through KHESLC, they withdraw XXXX from my checking account a month and put it in account number XXXX and this goes on everything month and has since XXXX of XXXX this letter I just received XX/XX/XXXX so I shouldn't be in default XXXX XXXX
Consumer complaint received 2021-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (DC)

My complaint concerns a mortgage with BSI Financial Services. On XX/XX/2021, BSI deducted {$4100.00} from my mortgages escrow account to pay property taxes in Washington XXXX DC. But BSI placed the wrong lot/parcel number on the payment, meaning that the amount was NOT paid for my property. BSI paid taxes for a property with lot number XXXX, but MY property has lot number XXXX. I became aware of BSIs mistake in XXXX 2021, called the company several times to investigate the problem, and worked to set the record straight. BSI proceeded to pay my propertys taxes by deducting another {$6500.00} on XXXX/XXXX/2021 from the mortgage escrow account so that my property taxes are now up-to-date. 

The problem? BSI has not refunded my escrow account the {$4100.00} that it had paid in error to lot number XXXX. As a direct result, my escrow balance is significantly negative ( - {$2600.00} ) and for the year ahead BSI is increasing my monthly payments by a whopping {$410.00} to cover the escrow account deficit. In other words, BSI is passing the cost of their error directly onto me by deducting these tax payments -- whether for my property or not -- from the escrow balance. 

BSI has not been helpful in resolving this problem. Every time I call the company, I am told that the issue is getting flagged for the tax department but I am never allowed to talk to the tax department directly in order to get even a simple confirmation that my case is under active work. Nor am I allowed to talk with a supervisor despite the customer service representative saying that s/he is consulting with a supervisor. I also receive reassurances that I will be called back with an update but that has yet to happen. I say this having called BSI at least 20 times and literally having spent hours trying to resolve the issue by phone. Emails go unanswered or vaguely answered too.
Consumer complaint received 2022-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc. (GA)

I am XXXX XXXX, a federally protected consumer and I am making a complaint against Monarch Recovery Management , Inc. regarding an account that they purchased from XXXX XXXX XXXX. I have sent your company several correspondences, however, they always seem to go unanswered, and this alleged debt continues to remain on my consumer reports with no regards to how this affects me. First, I would like to state that I have never given Monarch Recovery Management , Inc. any permission to use any of my identifying information to commit aggravated identity theft by contacting me about an alleged debt they claim that I owe. After several correspondences, I have still not validated any alleged debt with Monarch Recovery Management and while I have not validated such a claim of debt this, in turn, it can not be constructed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence such as a TRILATERAL CONTRACT between, XXXX XXXX, MONARCH RECOVERY MANAGEMENT, INC., and myself, giving Monarch Recovery Management any right to collect on this alleged debt. It is my belief that Monarch Recovery Management is attempting unlawful fraud activities and theft by deception by attempting to furnish false and deceptive forms and continues to commit several violations under the FDCPA.