davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XX/XX/2019 I was applying to get a beginner credit card with the soul intention to start building my credit from Capital one, it was a recommended card to start building credit by raising my credit score and opening another line of credit. I was unapproved and they put a hard inquiry on my score which dropped it by 17 points on XX/XX/2019 within minutes. I feel this is not goodwill or business model. I simply want to have a good future and Secure a good credit score.
Consumer complaint received 2019-02-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commercial Recovery Systems (GA)

I was contacted on XX/XX/2019. THe person gave me a last four of SSN and birthrate and I told them the debt was not mine. 
The person immediate called me back then called another company number asking to speak to my boss. Then they called me back asking to speak to my boss. I asked them for information regarding the debt which he failed to provided but claim to be sending to my boss. I asked for his address so I can contact them in writing and tell them I am the wrong person. He gave an incorrect address and birthday and I again informed them the debt was not mine. 

File # XXXX
Consumer complaint received 2019-04-08
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

On XX/XX/XXXX I logged into my USAA account portal. I was looking over loan opportunities and need to consolidate credit card debt. They offer an online application for loans. I selected personal loan and for the " purpose '' used debt consolidation in their offered drop down menu. Filled in my personal information and then it asked to me submit. It gave an immediate DENIAL! Reasons : Thank you, XXXX XXXX, for your Personal loan application. Unfortunately, we can not fulfill your request for a loan because of the following reasons : Excessive obligations Insufficient or lack of income Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high Amount owed on revolving accounts is too high Which is unfair declining factors of the type of loan I applied for! It never asked what items I wanted to payoff! I worked in XXXX for 18 years and have even been a XXXX XXXX. If a debt consolidation loan is applied the first question to be answered is, which items are you wanting to payoff. Of course when these items would be marked for payoff, it would greatly impact the 4 declining factors they listed ( shown above ). I immediately call USAA and the lady argues with me, I asked to speak to a supervisor ( which I never was able to ), transfers me to an expediting department. I explained their reasons for denial are inaccurate and would greatly differ if you were able to choose the items you are wanting to payoff and close. 

The computer generated e-mail I received with the first denial was then removed the next day! They manipulated their system and now that document is NOT in my archived documents any longer as of XX/XX/XXXX. It now shows the attached letter stating my purpose of the loan was " Cover Personal Family or Household Expense '' I find it strange that after calling them and telling them I will dispute their unfair declining factors and the negative inquiry that the first letter is now gone. They make up this purpose which WAS NOT what I selected. Awful business and company to do business with. I sure hope all their service members are not treated like this.
Consumer complaint received 2019-04-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I paid my XXXX XXXX credit card on XXXX XXXX through XXXX  XXXX XXXX, the total amount is {$500.00}. on XXXX 's sent me a mail to say they have error on my bill and then put {$500.00} credit back to my bill. I contacted XXXX XXXX and told them I already paid the credit during XXXX, and fax them the documents from my XXXX XXXX XXXX account, all that documents showed I paid and this fund never came back to my account. they rejected my claim every time and insist to say this amount of money already returned to my bank. 
so as the fact, I paid the {$500.00} to XXXX XXXX, but they denied they received it. I would like to find out where is my money, and try to fix the problem. and I'm very disappointed at the irresponsibility of XXXX XXXX.
Consumer complaint received 2019-02-11
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (CA)

I purchased money orders from agent on XX/XX/XXXX/2018, and mailed them. They were not received by payee. Presumed lost in mail. Not cashed. Sent all required documents to company, including receipt for purchase, research request forms, on XX/XX/XXXX /2018, along with {$60.00} processing fee, and 2 notarized affidavits. Attempted on several occasions to contact company by phone. All numbers went to useless phone menu. Finally found alternate number through reasearch, which connected me to rep in XXXX, who gave me a number. Same useless phone menu. Have made similar payments to same payee before, and have texts back and forth regarding missing money orders. I have fulfilled all company requirements for refund, but they simply will not provide it. I have been struggling with them for over 4 months. I need this money back desperately. Please help!
Consumer complaint received 2019-02-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC (CA)

I have made several attempts for Cavalry Portfolio Services LLC to remove incorrect debt posted to the credit reporting agencies. They have failed to acknowledge correspondence and continue to submit debt validity and not show proof that debt was paid directly to original creditor when I refinanced my home. XXXX lost/never cashed check. I tried to request that they waive penalty fees and they refused. XXXX XXXX XXXX sent a settlement letter which was again paid by escrow company. Check was cashed by XXXX XXXX and I shouldn't be punished for their error. 

This issue has been going on for two years and is causing me financial harm.
Consumer complaint received 2024-02-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (TX)

Cash app wont semd me my statements or alllw me to access the account i used amd had a debit card with. Asked for statements and they wont approve my request and have made it impossible to regain access to this account despite showing my id and providing old account details including name email and phone.
Consumer complaint received 2019-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

called TRANSUNION ... trying to tell them I am a victim of identity theft, I told him why would I run my credit over and over with the same company 's and I already have a bill with one of them. guy didn't try and listen to what I was saying brush me off and I tried explaining to him I already contacted XXXX and they are working on it to get it fixed. he told me I need to mail a police report for inquires. 
XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX   XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Equifax ; XXXX and XXXX are reporting incorrectly ( 120 ) days late on XXXX XXXX. ( Please see attached spreadsheet with account number along with pages 7 13 of my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments, however these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this, however I have been unsuccessful.
Consumer complaint received 2018-05-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Credit Card Receivables Fund Incorporated (FL)

XXXX XXXX XXXX acquired my credit card debt took me to court in XX/XX/XXXX the judge dismissed case of the length of time the debt was inactive. in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tried to garnish my wage from XXXX XXXX.I was to served court papers to go back to court.I finally sold my home in XX/XX/XXXX and had to pay a lean of {$27000.00} plus for the lean.
Consumer complaint received 2023-08-09
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-04-08
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. (AL)

My name is XXXX XXXX. I know I am a victim of Identity theft and I started this process and took the correct procedure to get the fraudulent activity off my report over a year ago, XX/XX/XXXX to be exact. The account and inquiries still continue to report even after a full year. This is ridiculous! I not only filed a police report, I also faxed and sent all documents certified mail. I also have hired an attorney XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX   located at XXXX XXXX XXXX XXXX XXXX  Al XXXX. He has noticed several breaches in the FCRA committed by XXXX, EQUIFAX and XXXX. This has to stop. Here is a list of all the accounts and inquiries that are fraudulent.

XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX/XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX/XXXX XXXX XXXX XXXX  {$950.00} Bankruptcy chapter XXXX -petiton filed/US BKRPT CT AL XXXX XXXX  INQUIRY- XXXX XXXX XXXX XX/XX/XXXX EQUIFAX INQUIRIES 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  Chapter XXXX bankruptcy filing/US Bankruptcy XX/XX/XXXX ref no. XXXX I have never filed bankruptcy.. this is under a different name XXXX XXXX XXXX   {$790.00} XXXX XXXX XXXX XXXX  {$1600.00} All these accounts and inquiries don't belong to me an I have the proof to show that. I have reached out to each creditor and informed them of the fraud that took place.

As my lawyer XXXX XXXX stated in our claim, we feel as if these individuals ' are responsible for their bureaus negligence and non compliance with the FCRA and will be named on our lawsuit XXXX XXXX XXXX EVP Compliance and Litigation XXXX XXXX   XXXX XXXX XXXX Executive Vice President XXXX XXXX   XXXX  XXXX XXXX Director Fraud and Identity management XXXX XXXX   XXXX XXXX XXXX Senior analyst consumer experiences XXXX XXXX   XXXX XXXX XXXX Director-XXXX  Consumer Interactive Servicing XXXX XXXX XXXX EQUIFAX XXXX XXXX President US Commercial Services and Chief Client Officer Equifax LLC XXXX@equifax.com XXXX XXXX President Equifax LLC XXXX@equifax.com XXXX XXXX Equifax LLC Svp US consumer Information Services XXXX@equifax.com XXXX XXXX SVP Chief Compliance Officer Equifax Corp XXXX@equifax.com XXXX XXXX CRCM VP/Sr Manager of Regulation and Compliance Equifax Corp XXXX@equifax.com XXXX XXXX Senior Vice President Enterprise fraud/ID Theft Equifax LLC XXXX@equifax.com XXXX XXXX XXXX XXXX Equifax Corp Corporate vice president chief legal officer Equifax llc XXXX@equifax.com XXXX XXXX XXXX Customer Service Manager at XXXX XXXX  NCAC Email : XXXX XXXX XXXX Operations Manager XXXX NCAC XXXX XXXX XXXX CEO CEO XXXX   XXXX XXXX XXXX XXXX XXXX CFE CCIA Compliance Fraud Investigator XXXX  North America XXXX XXXX XXXX CEO North America XXXX XXXX   XXXX XXXX
Consumer complaint received 2022-09-15
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. (CA)

On XX/XX/2022 I sent a letter to Transunion asking them to look into inaccurate information that I found on my consumer report. There has been no response and no updates that these accounts are in dispute, it has been over 60 days since and still no response. My information was compromised because of the XXXX data breach and I want these accounts deleted immediately as they have cause me great stress.
Consumer complaint received 2019-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

I have requested that my personal statement be updated. The current statement is not accurate and references a telephone number which does not belong to me. I am asking that the statment below be listed, solely on my report. I am asking that this statement be listed as the prominent statement and not suboordiate to a statement by the credit reporting agencies. 

My ID was stolen, in two security breaches. Found on the dark web, my XXXX & XXXX cards were used without authority. XXXX & XXXX were notified, provided law enforcement reports obtained. I disputed the accuracy & completeness of XXXX & XXXX adverse information reported to the three credit reporting agencies. Each agency provided notice to XXXX & XXXX, as adverse information furnisher. XXXX & XXXX failed to, conduct a reasonable investigation of each dispute ; review all relevant information ; modify, delete, or permanently block the 5 items listed as adverse information.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-08-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (NY)

In the past my loan payments were being made through XXXX student loan services. About two years ago I received notice that XXXX was being taken over by XXXX education services. My loan payment is made quarterly and I've been making faithful and on time payments for about a year online at XXXX 's website. That last time I was able to make a payment was in XX/XX/2018 and I have the receipt of payment for that. In XXXX I noticed that I had not received notice for payment for my XXXX loan in sometime and went to the website so see about the loan. I received a message saying that the service that I requested could not be accessed at that time. I assumed it was an issue with the website. 
Here we are now, in XXXX, and I am receiving the same message. I called the company ( XXXX ) and received absolutely no help. Initially I called and was transferred to a 100 % automated " department, '' that did not reconize my SSN for logging in. I called back and was transferred to the " loans department '' where someone proceeded to tell me that I do not nor have I ever had an account with XX/XX/XXXX services. I have multiple student loans and I do not know which ones fell under XXXX services. She suggested that maybe it was a Perkins Loan and transferred me to that department. This was again a 100 % automated department that did not recognize my SSN or birthdate for logging in.

I called back and was told there was no manager to speak with and the " customer service departments '' that I have been previously transferred to was all that they had to offer. 
In short my loans are in limbo and no information can be offered by the company previously in charge of them as to where to make a payment. It frustrating because I don't want to default on a loan simply because a company has less than professional business practices. If it has to come to it I will definitely get a lawyer and take this problem up legally, because it is unfair to expect me to have to pay any outstanding charges being accrued at this time. I've looked online and have seen many comments and reviews similar to mine, referencing their experience with XXXX. It is my hope that something gets done about this and puts these crooks out of business.
Consumer complaint received 2019-02-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (WI)

Loan originated XX/XX/XXXX Lender failed to pay property taxes for XX/XX/XXXX so I paid them myself and was reimbursed but not before being told they didn't owe to pay my property taxes despite their collecting escrow for it. 
I again paid my own property taxes for XX/XX/XXXX on XX/XX/XXXX sending proof to lender and am now having trouble getting reimbursed by lender who keeps telling me they are going to refund me but do not and refuse to escalate to supervisors. Last customer service rep XXXX told me he had no supervisor contact information on XX/XX/XXXX.
Consumer complaint received 2019-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

I deposited three checks via mobile deposit.

I forgot to write my name to the pay to order section I called if they can cancel it and I will correct it but I was told it can not be cancelled. 

The funds was already debited from the check issuer but chase is still holding the funds because they said they can not verify the checks if they can not verify it then why they took the money from the check issuer? 

Checks was deposited XX/XX/XXXX,2019
Consumer complaint received 2019-09-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (CA)

LVNV FUNDING representing XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2017 XXXX {$1500.00}
Consumer complaint received 2019-02-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd. (TX)

XX/XX/2018, A bill that was paid in the amount of {$180.00} to the hospital was reported by Harris and Harris, Ltd as a Delinquency notification. I received a letter from them on Friday and on Monday received a call on my cell phone regarding the debt.

Harris and Harris, Ltd did not cross verify the information if the debt was paid and tried to collect more money. I'm not at all happy with this company 's way of handling any consumer debt when the consumer has proof that the debt was paid off.
Consumer complaint received 2019-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AZ)

The information reported in the National Student Loan Data System is still reporting three defaulted loans which have been consolidated in XX/XX/2017. These three defaulted loans are being counted toward my aggregated loan limits in addition to the consolidation loans, the amount of these loans are counted twice toward my loan limits.

I have highlighted in Red on the attached nslds Report information that should be removed and deducted from totals scince the consolidation.

I have highlighted in Yellow the corresponding consolidation loan information.