davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc. (TX)

Convergent Outsourcing called my personal cell phone number in an attempt to collect a debt. Last I checked it's a violation of federal law for debt collectors to call the personal cell phones of customers to attempt to collect the debt. The debt collection agency called me from telephone number XXXX. I looked them up and their website is : https : //www.convergentusa.com/. 
My telephone number is also registered on the Federal Do Not Call list and has been for several years.
Consumer complaint received 2019-05-08
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: Manhattan Beach Venture, LLC (GA)

A company by the name of XXXX XXXX XXXX called me as if they were working with the Department Of Education in helping me to get my student loans forgiven. The company gets information from you and after speaking with them, I looked the company up on XXXX to find out that the company is a scam. When you call the company back, the individuals are rude and hangs up on you.
Consumer complaint received 2020-10-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (NC)

My home refinance settlement date was on XX/XX/XXXX. Caliber Home Loans was holding approximately XXXX of escrow money. As of the end of XXXX I had not received my escrow funds so I called XXXX. They stated that they mailed them. 

I called again in mid XXXX because I still had not received my escrow account funds and asked if they could cancel the check and send me a new one and asked to have it sent as a rush/express because it was past the 30 days they have to refund my escrow funds. I need my escrow funds to pay off a debt that is accruing interest. 

XXXX told me " NO ''. They said I would have to cancel the check they sent and that it would be a few more weeks to get my new check processed and sent. This is unacceptable. It has been almost two months and they have not been willing to do the right thing and refund my escrow balance in a timely manner. 

The servicer has rights to enforce against the borrower when a deficiency occurs. 

The consumer should have the same kind of rights. Servicing rules on the CFPB site have such language : The servicer must advance funds to make disbursements in a timely manner as long as the borrower 's payment is not more than 30 days overdue. Upon advancing funds to pay a disbursement, the servicer may seek repayment from the borrower for the deficiency pursuant to paragraph ( f ) of this section.
Consumer complaint received 2017-04-21
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank accepted a {$3500.00} check for deposit which was made payable jointly to myself, my wife, and  XXXX   XXXX   XXXX   ,   XXXX  ( "  XXXX  '' ) as non-alternative payees, with an unambiguous " & '' symbol on the payee line.  XXXX  forged endorsements for myself and my wife and deposited the check without authorization from myself or my wife, in violation of California law including Californ ia Commercial Code Section 3110 ( d ).  Our insurance company wrote a letter to  XXXX   XXXX   XXXX   ( t he payor bank ) stating that I was entitled to {$1400.00} of the check amount.  XXXX   XXXX   XXXX  made a claim with Chase Ban k ( th e deposit bank ). On  XXXX   XXXX ,   XXXX  , Chase Bank improperly denied the claim on the basis of a purported and unlawful power of attorney. Chase Bank 's denial of the claim was an unlawful, unfair, or fraudulent business practice within the meaning of California Business & Professions Code Section  17200,  because in so doing, Chase Bank assisted  XXXX  in stealing my {$1400.00}. Under Californi a Probate Code   Section 4121, a p ower of attorney is legally sufficient only if it is acknowledged before a notary public or signed by at lea st 2 witne sses. The purported power of attorney which Chase Bank honored was not so notarized or witnessed. As such, under Califo rnia Commercial Code Section 3403, the  endorsements were ineffective. Chase Bank violated Califor nia Commercial Code Section 3404 ( d  ) by failing to exercise ordinary care in paying or taking the check with the forged endorsements and refusing to honor the claim. We have been trying to persuade  XXXX  to return the money for years, but  XXXX  refuses.  XXXX  has admitted that it signed our names despite promising to hold the check while we were resolving billing issues with  XXXX . There is no dispute of fact that  XXXX  signed our names.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Both companies, TransUnion and XXXX, are now trying their best to hide the fact you can get a one-time security freeze. Freezing your account now requires a paid premium monthly membership to freeze your credit report.This is not true, but I was specifically told by a TransUnion that this was the case. Going to their website, you are now unable to find out where and/or how to freeze your security without the premium monthly membership. I feel this is nothing more than an attempt to increase sales after the major XXXX breach, taking advantage of people like me who had their credit compromised due to the breach. Both company 's phone systems are obfuscating a one-time credit freeze as well.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I noticed my credit report score drastically change and also was denied loans. 
One of those loans being a auto loan that got denied due to this XXXX mistake. I have no other plan to come up with the money to purchase this family vehicle. 
I noticed the false information XX/XX/2024. 
I applied for a Auto loan XXXX XX/XX/2024. 

I called the Original Creditor and They told me its a issue I have to take up with EXPERIAN themselves for reporting the false info. And they proceeded to send me my actual balance.
Consumer complaint received 2022-08-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (UT)

Venmo has become a utility that is difficult to operate without. Venmo canceled my service after XXXX incident where a user paid me above the weekly limit for an item. Rather than reject that payment Venmo allowed it to process and then cancelled my account. Other than that I provided all the IDs and proper account info and have been a perfect member and that one transaction was completely legitimate other than it exceeded the weekly limit unbeknownst to me.

They will not reinstate my account after multiple attempts. With such a common utility they shouldnt pick and choose favorites. I have a credit score over 800, no criminal or civil record and over a XXXX dollars in the bank. Venmo is being unfair not allowing me to use this community utility.
Consumer complaint received 2020-10-20
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

I had a Synchrony Amazon Store Card for a few years now. I have used the card regularly and always paid off the full balance on the card. Before and during XXXX XXXX XXXX this year ( XX/XX/XXXX ), I made multiple purchases at XXXX and charged it with the Amazon store card. The store card purchases can receive 5 % cashback on all XXXX purchases, and during the XXXX XXXX promotion periods, they run a promotion for 10 % -25 % cashback on some items. I made several purchases with those promotions. However, the bank closed my account on XX/XX/XXXX. I contacted their agent online and was told that I have too many cards with Synchrony. However, I have only one card with them - Amazon Store card. I don't understand that the definition for Synchrony of too many is 1. The agent said she/he would escalate the issue with higher management and would get back to me, but no one contacts me at all. 
I believe that the only reason that the bank closed my account is due to that they would need to pay me the rewards for my XXXX   purchases before and during XXXX XXXX  XXXX XXXX promotion. The only way for them to avoid paying those rewards is to close my account. That's why their agent made up things such as I have too many accounts with them, while the fact is I only had one.
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (NV)

On XX/XX/2022 I paid my auto loan with Santander USA at XXXX pm XXXX. On Monday XX/XX/2022 I received alerts that my account was reported as 30 days past due to credit bureaus XXXX and XXXX. Upon calling Santander, they stated that they reported the payments as late because the payment was made at XXXX pm ( not stated if it was PST or CST ) which is not true. Confirmation for the payment was not received on my end until XXXX hours after the payment was made. The payment was then posted on XX/XX/XXXX, however, it states on my transaction history that my payment effective date is XX/XX/2022 ( as shown in my attachment ). Santander is being unreasonable and does not wish to remove the delinquent mark despite all these facts being given to them. I was told by a member of their executive office that regardless of what time I paid my car note that my payment was still effective for XX/XX/2022 meaning that I was well within my 30 day grace period and therefore not past due on this account. I have submitted complaints about this company before and have successfully had delinquent marks removed by the CFPB because of their inaccurate and unfair reporting.
Consumer complaint received 2024-01-29
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. (MI)

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS ADVNTG 1 CU Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account.
Consumer complaint received 2021-04-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-09-21
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: Possible Financial Inc (CA)

I have requested that some accounts on my consumer report be investigated. I sent letters to the three major credit reporting agencies requesting these accounts be investigated and the investigation took well over 30 days.
Consumer complaint received 2021-03-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DHI Mortgage Company (TX)

My credit score is amazing, i have 20 % Debt ratio, however DHI proceeded to search for reasons to deny my loan. They harrased my HR department and constantly asked them to verify that my letters of explanations were true. They were never satified with my letters and kept searching for a reason to increase my debt to income by taking into account minor details such as gas and meal expenses. DHI also stated my income was incredibly less than what i reported on the application. After they verified my income to be true, they proceeded to asked my HR provide a written letter explantion of my pay because they werent satisfied with the employment/income verification. They also stated the only way to make the loan more favorable to underwriting was to increase my down payment. I wanted to add a cosigner but i was discouraged to because " they can make it work '' without one. The loan was sent to underwriting 5 times, and 5 times it came back with more excuses. I was eventually told all this info is needed for the investors to buy the loan. Its one thing to ask for information, but its another to continually harass my company and ask if i was telling the truth. Why do they need more down payment if they didnt believe i make enough to pay the loan? Why is my loan already being set up to be sold to investors before being approved. The worst part was that i put my vacate Notice to my apartment 2 months prior, with all the time wasted By DHI, i had 2 weeks left in my apt and was going to be homeless soon. I had no choice but to cancel the loan and renew a lease. Didnt need the house if i have a lease. I spoke with a lawyer and they advised me i was prematurely denied, for no reason other than discrimination.
Consumer complaint received 2017-04-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following hard inquiries in my Transunion report were not approved by me please have credit reporting company delete. I sent multiple letters to credit company and they were not deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company should also delete these accounts as they are showing wrong after multiple letters were sent : XXXX XXXX XXXX
Consumer complaint received 2021-04-22
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. (NC)

XXXX  and Transunion should not be reporting me as an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureaus to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.
Consumer complaint received 2017-04-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION (VA)

I had XXXX SallieMae loans from my XXXX degree, XXXX of the loans were issued between XX/XX/XXXX and XX/XX/XXXX. I paid off XXXX to SallieMae, and XXXX was later turned over to XXXX. I was fortunate to be able to make payments on time ( to XXXX ), however, I did find that when I came to my very last payments, when I would pay what was supposedly the final amount, the payment would take longer to go through. By the time it would be processed, the loan would have accrued more interest ( and I would thus still have more to pay ). It happened with both SallieMae and XXXX. The first time, I did n't know this, so after waiting a couple of weeks and not yet receive any sort of notification that my loan had been closed out, I checked again and saw that I had accrued somewhere around {$15.00} or {$20.00} worth of interest. I paid this off and the same thing happened again, however, I was able to catch it, and eventually close out the student loan with SallieMae. The same thing happened with the XXXX loan, however, I paid more attention and was able to prevent the lingering amount from compounded as much. Nonetheless it was massively frustrating and made it QUITE clear that neither company has any interest in its customers actually paying off their loans.
Consumer complaint received 2021-09-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duvera Billing Services, LLC (OH)

Duvera showed up on my credit report as a loan I haven't made payment on. I checked all my loans I've made payments on all of them and none of them are through duvera or XXXX. I honestly have no clue what this is so I'm going to assume it's fraud
Consumer complaint received 2021-09-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (FL)

I filed a dispute with Credence who now collects on the debt and they responded saying that the debt was verified but gave no indication a to why I owed that amount. XXXX sent me a bill totalling over {$1000.00} but the bill says that the lines were cancelled and satisfied. The amounts do not add up and I was told I did not owe anything after I cancelled my lines as I was no longer under contract. I do not own XXXX or credence anything and I would like it removed from my credit report as I also believe it is beyond the statue of limitation for collection.
Consumer complaint received 2017-04-17
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (DC)

I paid off a loan in 2 years vs. 5, my credit score went down XXXX points. I have never missed a payment. Only had one late payment in 2014 ( less than 30 days ). These Credit companies are misusing the credit reporting system. When you look at what a XXXX is made from, it states nothing about paying off loans to quickly, hurting your score. I guess companies loose money on the interest, if they are paid too quickly, so they feel spiteful? I am also annoyed with the amount of promotional inquires on my credit report. They are all unauthorized.
Consumer complaint received 2017-07-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I received a notification from my employer that my wages were being garnered. The debt was purchased off another collection agency and I was not made aware or served with paperwork before this was garnished. This debt is also over 12 years old and the case it is being brought up on states it is a closed case on the court website. Not only that in Ohio it states that if no funds were paid in 10 years that the debt is void, which this is as the case is from 2005. I was served no paperwork and this should not be legal. XXXX XXXX XXXX c/o XXXX XXXX XXXX