davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX  ; XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$3400.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report ; a copy of the settlement letter, along with a copy of my Drivers License and Utility Bill for identification purposes. ) This account was settled and needs to report a {$0.00} balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/chargeoff is seriously 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 not been successful.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: M&T BANK CORPORATION (NJ)

I made a deposit of {$3600.00} which M & T bank withdrwan from my other checking account fr XXXX. Same day M & T put a block on my account- when i tried to call customer service noone seems to give me an answer as to why? It is now the XXXX and noone gave me the answer. Account still block- meanwhile i had issued a check to pay my mortgage due on the XXXX - aftaid I will be late with my mortgage payment. Tried calling M & T and gave them a proof of the deposit taken out from my other account but jas not resolved yet. They did not remove the block for a week now- they said questionable fraudulent activity? But theu took out the amount already. Please help me and i am filing for a complain against M & T
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Open Dealer Exchange, LLC (MD)

am writing yet a 3rd time to formerly dispute and request the removal of unauthorized hard inquiries on my credit report, which I believe were made without permissible purpose and in violation of my rights as a consumer. These inquiries have adversely impacted my credit report and may affect my credit worthiness. I kindly request that you investigate these inquiries and take appropriate action in accordance with the FCRA specifically under U.S.C. 1681b ( PERMISSIBLE PURPOSE ). DETAILS OF INQURIES LISTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 700XXXX XXXX XXXX. I believe that the inquires made by the aforementioned organizations were made without permissible purpose as outlined in the FCRA specifically 15 U.S.C. 1681b my interactions with the organizations involved clear communication that I authorized a single credit check a specific purpose. The purpose include but are not limited to credit transactions employment background checks and account reviewed by existing creditors. The organizations in question did not have permissible purpose to make multiple hard inquires without my consent as these actions are not authorized by law.
Consumer complaint received 2020-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

This is the third time I've had an issue with applying for bank account or credit card ( over a 10 year period ). Nearly 10 years ago we had major problems filing with XXXX XXXX for both our Bank Account and our Credit card. This year we moved to a regional XXXX   XXXX and we experienced problems with setting up the bank account. On Friday XX/XX/XXXX we went to the bank to get a credit card. We had all of our paperwork in order. We provided the Denominations letter of 501c3 status from the IRS. We had our subordinates letter from the XXXX XXXX XXXX. We were told this was not the proper information - but it is. I checked with other pastors - this is a routine problem. Either is is a form of systemic anti church bias or it is a systemic lack of training across many banks and credit institutions. I discussed this with my sister who is a Bank Trainer. She compared our treatment to a local Girl Scout troop. A church is not a girl scout troop. My 173 year old congregation should not be put through this kind of challenge every time we try to institute a banking relationship. We have outlasted 4 banks in our lifetime we have only changed banks this one time due to dissatisfaction with the bank. I talked to our denominational leaders and they also have had trouble trying to resolve this issue. Lastly I called the IRS and nobody answered my call.
Consumer complaint received 2020-05-30
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. (AR)

I have several INQUIRIES on my credit report that are not AUTHORIZED. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. These INQUIRIES listed are not AUTHORIZED and need to be deleted from my credit report : Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-30
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. (AR)

I have several INQUIRIES on my credit report that are not AUTHORIZED. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. These INQUIRIES listed are not AUTHORIZED and need to be deleted from my credit report : Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-02
Product: Credit card or prepaid card — Store credit 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 was shocked when reviewing my credit report and found late payments ( inconsistent ) on the dates below : 30 days late starting XX/XX/XXXX ( all 3 bureaus ) 60 days late as of XX/XX/XXXX ( all 3 bureaus ) I am not sure how this happened. I believe I made my payments to you when I received my statement. My only thought is that my statement did not get to me. My payments are on autopay, so this makes me even more confused.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (FL)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
CCS COLLECTIONS ( Original Creditor : XXXX XXXX XXXX  ) has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.
Consumer complaint received 2020-07-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (TX)

I noticed an account placed on my credit by this company. How do you want me to pay a debt but have yet to verify who or what you are? Furthermore, if the company as yet to validate the debt it is not fair practice to keep placing this on my credit! Collecting on a debt but refusing to send proper validation! Unbelievable!
Consumer complaint received 2023-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: V and H Portfolio (TX)

I have a closed complaint : XXXXXXXX XXXX XXXX XXXX sold XXXX debt '' to Vance & Haufman LLC . I did not give persmission for this to occur. I am the consumer, orginal creditor and debtor. I have also access them to cease communicating with me, and they continue to do so via phone, mail, and via my credit report. I did not give permission for them to post anything to my credit report. XXXX nor Vance and Huffman LLC have a XXXX on file, which equals to identity theft. 

They are in violation of my consumer rights and the law, in addition to it being over 180 days trying to collect this " debt : '' 15 USC 1602, 15 USC 1681n, and 15 USC 15 1602 ( i ).
Consumer complaint received 2020-06-25
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. (AL)

This is my second request to transunion as well as XXXX on the XXXX of XX/XX/2020 requesting a verification of the verified item they reported from the first dispute letter and giving them 15 days to response, as of yet i haven't gotten any verification nor deleted the items from my credit report
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. 
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2024-03-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Bank of America decided to close my account after I had fraud on my account, Someone got into my XXXX XXXX account and bought food and sent it all over the place, I reported the fraud and Bank of America CLOSED my account for reporting this fraud but then decided to award XXXX all the money back!!! STOLE my balance and then took my moms social security benefit that she lives off of because it was too late to stop it from going there!!! Claiming I still have a balance!! FRAUD
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is a formal complaint of your non-compliance with FCRA 611 ( a ) ( 6 ) ( A ) under the provisions of FCRA 611 ( a ) ( 1 ), you are required to have conducted a reinvestigation of my dispute filed via CFPB XXXX XXXX XXXX and your agency acknowledged receipt on XX/XX/ and was to have concluded that reinvestigation within 30 days of your receipt of my dispute, under the provisions of FCRA 611 ( a ) ( 6 ) ( A ), you are required to have provided me with written notice of the results of your investigation within 5 business days of the completion of your investigation.

To date, I have received no notice of results of your investigation.Since the statutory periods have expired, I consider you to be in violation of the cited sections of the FCRA.

Based on your failure to verify the disputed information, you are required under section 611 ( A ) ( 1 ) to immediately delete the disputed information from my credit file. 

Thus, my complaint will be satisfied by timely deletion of the disputed information. 

I am contemplating filing a formal complaint with the FTC for your violation of your reinvestigation requirements. 

I would prefer to forgo such a complaint provided that I receive immediate notice of your results of your reinvestigation or deletion of the disputed information on my credit file. 

Based on your failure to timely complete your reinvestigation and provide notice to me, I additionally request, under the provisions of FCRA 611 ( a ) ( B ) ( 6 ) ( iii ) and FCRA ( A ) ( 7 ), that your notification of the results of your reinvestigation also include a description of the procedures used to determine the results of your investigation.
Consumer complaint received 2024-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (SC)

" I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX. I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists ''. 

I dont own a XXXX  card nor do I work with LVNV funding or Resurgent I have not given any signatures or agreed verbally to do any business with any of these companies.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (CA)

I have carefully reviewed my credit report in XXXX. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, SYNCB/PHILLIPS XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX
Consumer complaint received 2020-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX XXXX XXXX  XXXX {$400.00} XXXX XXXX XXXX  XXXX {$280.00} XXXX XXXX XXXX XXXX {$210.00} COLLECTIONS XXXX {$200.00} COLLECTIONS XXXX {$270.00} COLLECTIONS XXXX {$52.00}
Consumer complaint received 2024-04-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

I am XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2020-07-02
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. (GA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX  XXXX XXXX DEPT OF ED/XXXX DPT ED/XXXX XXXX XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORT EQUIFAX MORTGAGE SER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (WI)

On XX/XX/2024 I made a mobile deposit in the amount of {$25000.00} in the form of a cashiers check into my Navy Federal checking account. This was a third party check. Prior to making the deposit because it was a third party check I called and asked the bank if there were any special or additional tasks that I would have to complete, I was informed by the customer service representative that I just needed to make sure that the other party had signed it and that I had signed it, and that the third party wrote on the back of the check " pay to the order of XXXX XXXX. I did as they asked. I was told by the bank that they needed a hand written letter from myself and the third party explaining the circumstances of the check along with a copy front and bank of both of our ID 's. I sent in this information to them. They told me that they denied my request and had me fill out another form. I had done this as well. Every time I call in to check the status of the deposit they tell me they need me to send in more documentation and letters. 
I spoke with the issuing bank and they had told me that the cashiers check had been redeemed and paid out to my account on XX/XX/XXXX. The funds have cleared and I have sent in all the necessary/ requested documentation, and they keep sending me on endless tasks. I don't know what else I can do.
Consumer complaint received 2024-05-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (AL)

Navient has my private student loans. THEY put them into a forbearance 2 years ago. I was paying the loans faithfully. I called them and they said it was in a lawsuit. Now that it's out of the lawsuit, the monthly payment is way up and not what I was paying before and the interest rates way up. I've paid them over {$40000.00} over the life of the loans, which is more than what I borrowed almost XXXX. ago. The balance today is almost {$40000.00} today. They have yet to explain to me why I would still owe them that much money. I've requested my contract and other documents from them, for which they haven't sent me yet. They said it's on the way but, I've called them multiple times and no one can ever answer why the loan amount is what it is. Yesterday I was told that they can't look that far back. I just want to know what I can do with these private loans. The balance today is more than what I borrowed with them, and like I stated, I've paid them over {$40000.00} already. I do not owe them anymore money! Something is not right and now, the monthly payments are way too much. They do not work with you at all. What do I do? I'm not concerned about my federal loans, just my private ones through them. Thanks
Consumer complaint received 2024-03-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (KS)

There was well over 220 transactions on my account from XXXX XXXX til XXXX XXXX. Its so many transactions I can't even write them all but it totaled to XXXX . I filed a police report and a claim they denied my claim. Even after I submitted proof that I was XXXX and informed the company I never gave anyone permission to use my account while I was XXXX. I filed the police report like they told me to do and they still denied my claim.
Consumer complaint received 2024-02-27
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (GA)

I went in to purchase a money order. In my many years on Earth, anytime I needed a money order, I paid only the fee cost listed and possibly tax. When I came in this location to purchase the money order, there is a fee on a board but nothing else which for the amount I wanted was {$1.00} ( the requested money order amount was {$35.00} ). The agent then tells me that the cost is {$36.00} and she has to round it up because they charge an atm withdrawal fee and it is in increments of {$5.00}. I asked for clarification and she said there is a {$3.00} withdrawal fee that she will return to me in cash ( she gave me {$3.00} ). This all made no sense since the amount that ultimately came out of my bank account for a {$35.00} money order was {$43.00}. This was not an atm withdrawal but they treated it as such by charging me XXXX fees. Essentially, this company is ripping people off and overcharging for the money orders without disclosing the fees prior.
Consumer complaint received 2023-09-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (NC)

Did not get credit for XX/XX/2023 mortgage payment from our old mortgage provider. Would like a refund for XXXX payment. So, we can pay the past due mortgage payment to the new mortgage provider. Called old mortgage provider but was told our loan was longer showing up on their computers. We are getting past due notices weekly from new mortgage provider.
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/20 I initiated a dispute for the XXXX accounts showing as past due and closed. I was not able to view the results online so I called and spoke with XXXX today XX/XX/20 XXXX advised me that the creditor does not have to show proof of delinquency they just have to advise them that they have validated the account. He has disputed them again. These accounts should not be showing on my credit report at all and definitely shouldn't be showing as late. XXXX does not service my loans and has not for years. I think that creditors should be responsible for showing proof of the things that they report to the credit bureaus.
Consumer complaint received 2017-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (DC)

As suspected US Bank has overcharged me on fees across all three credit cards I had with them. They sent the attached letter over a month ago but havent returned the money I am owed. 
Please have them refund all fees from all XXXX credit cards I had with them Thanks