davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent a number of dispute letters with documentation to all three credit bureaus. Asking to remove the unauthorized inquires my first set of letters went out XX/XX/XXXX second set XX/XX/XXXX each set was tracked as received and confirmed by the credit bureaus however nothing has been done. Please see the following credit inquiries below to be removed 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 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 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 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 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 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 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 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 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 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 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 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 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 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
Consumer complaint received 2023-04-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

The consumer reporting agencies stated that they properly investigated my account with XXXX XXXX XXXX XXXX and XXXX XXXX but how is that possible if the amount on XX/XX/2022 is reporting inaccurate information. I have tried to fix it with furnisher and consumer reporting agencies but it has only stressed me out more. They have violated my rights and since my consumer report is inaccurate and incomplete I demand immediately deletion from my consumer report.
Consumer complaint received 2015-06-12
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (MN)

My bank told me that they were n't legally obligated to keep the balance of my account current on their website. Specifically, pending transactions will post only a certain amount of days ( showing the real balance ) until they are dropped, after which the balance no longer reflects the pending transactions ( showing a false balance ). The problem is once they pending debits are dropped from the online statement ( even though they are still pending ), they are removed from the balance, removing those debits. 

I thought I had positive balance when in actuality I had a negative balance because what was on the website was not the real balance. I attached my last withdrawal, when I thought I had enough in my account to do so. I would have taken out less cash if I had known they took the pending debits off my balance. That 's trickery they used. 

I ended up being charged overdraft fees and then extended overdraft fees that added up to around {$150.00}.
Consumer complaint received 2019-02-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc. (TX)

Santander USA repossessed my car after I told them that it was inspected by FEMA for possible damages reimbursement from hurricane Harvey. They then proceeded to place XXXX in collections on my credit report and continuously lied to credit bureau dispute investigators. They finally removed it from my XXXX  and XXXX however it's still on my XXXX   report. This company repossessed my car after me telling them that I was engaged in a racial descrimination lawsuit against a previous employer.
Consumer complaint received 2015-09-08
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: FIRST NATIONAL BANK OF OMAHA (RI)

My credit card was used with out my knowledge or authorization by my XXXX year old son. 
I had previously bought online gaming for him. And I did not realize the credit card information was stored on the computer. My son did n't understand he was using my credit card. There are multiple and duplicate transactions that if you were to look at my statement anyone could realize something was n't right. 
According to my credit card contract I have zero liability for transactions made with outmy authorization. However I was told in writing that I am responsible and its not considered " fraud ''. I never said it was fraud, its " unauthorized transactions '' I believe this wording of theirs is what is protecting them and not me as in my contract with them. 
Please advise, XXXX
Consumer complaint received 2024-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (GA)

I have XXXX loans serviced by MOHELA. I reached XXXX payments while working for a XXXX  for the XXXX XXXX XXXX XXXX XXXX  in XXXX of XXXX. From XXXX to XXXX of XXXX, I was placed into administrative forbearance by my servicer due to errors in calculating my required monthly payment under the XXXX plan. I was told at the time that these payments would count towards XXXX automatically. With this in mind I submitted my employment certification in XXXX, which shows that I have worked with the XXXX of XXXX from XX/XX/XXXX to XX/XX/XXXX. My payment count was updated, but now shows XXXX, XXXX, and XXXX as ineligible payments due to the administrative forbearance mentioned previously. Now I am being given the run-around from Mohela regarding when, or if, these payments will count.
Consumer complaint received 2015-08-03
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Campus Student Funding, LLC (NV)

I attended XXXX XXXX, XXXX, NV XXXX, and received a private student loan with payments to be made to XXXX XXXX, during and after completion of my studies. I subsequently learned that my payment obligations have been transferred to Campus Student Funding ( CSF ), as a result of DOE finding XXXX was engaging in bad practices. Furthermore, I came across information that private student loans were to be discounted, yet CSF is still seeking the full original loan amount.
Consumer complaint received 2024-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (IA)

I was made aware my payments to Nelnet student loan servicing were due to them on XX/XX/year>. My payment due date is XX/XX/year>. Upon attempting a long in to my account and call to the servicer on XX/XX/year> to ensure an on time payment ; I was dually made aware that due to " planned maintenance '', not communicated through mail, email, telephone, or personal contact, that their services were not available.
Consumer complaint received 2024-02-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Main Resolution Group (AL)

Main resolution mediation continues to call my minor children 's phones and my phone threatening to arrest me etc for a debt. They won't verify the debt and when I call to ask, they hang up on me. They are leaving voicemails on my kids and families phones with my personal info and threatening to come to my house.
Consumer complaint received 2017-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I spoke with a agent from Capital One on XXXX XXXX, 2017 about my account. I explain to agent that i lost my job and was going through financial hardship. Agent told me she understand and they do have a hardship program. I ask how to get started? She said let me see if you eligible.. She put me on hold, came back said you 're eligible. I replied good need it until i find a job! She ask me how much do i think i can pay now.. each month? i told her XXXX each month until i find a job. Agent told me ok.. best to pay something to keep account up and void late fees! So i set up auto pay with the agent for XXXX dollar come out every month. First was to be at the end of XXXX. Payment came out good! about 3-5 day later i noticed a XXXX add to my balance. I call Capital One about the change in my account.. ( XXXX XXXX ) Agent told me i was denied for the hardship program. huh? No one notify that i was denied.. no email, calls. Agent was quiet. I ask can i speak to a Manager? She put me on hold 3mins.. came back said no Manager available right now! One will call you with in 24-48 hours. It been a week no calls.
Consumer complaint received 2024-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Upgrade, Inc. (FL)

I did a mobile deposit of a check for XXXX on XX/XX/XXXX. I received and email that the first XXXX would be available on XX/XX/XXXX and the remaining would be available on the XX/XX/XXXX. I had to call on the XXXX to find out when the money was going to be deposited and was informed not until the XXXX. I explained I knew the regulations and the first XXXX needed to be available the next business day and it was not in my account and they said no it would be the XXXX. I called yesterday because the email stated that the rest of my deposit would be available on the XXXX and it was not in my account after having sending them the email they sent me they told me well this is an automated email and it didn't take the holiday in account. I explained that is not my fault you stated the money would be available and now it is not and I need access to these funds. The lady said there was nothing she could do that the funds would not me available until the XXXX. I told this isn't the first time I have had this problem with my funds not being available as they told me and they never credit my account for any deposit until after XXXXXXXX XXXX the day it is supposed to be available.
Consumer complaint received 2024-03-14
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I received a notice by email that a credit card account ( Home Depot Consumer Credit Services, run by Citibank , N.A . ) had been opened under my name, on or about XX/XX/year>, and that a credit card would be shipped to me, showing roughly {$1400.00} in charges. At no time did I ever apply for such a credit account. I was finally able to reach a live person at XXXX XXXX on Monday, XXXX XXXX, XXXX, and reported the fraudulent account and identity theft. The account was closed promptly. ( Account XXXX. XXXX XXXX XXXX XXXX ) They also opened an investigation. 

However, their investigation concluded that the account was NOT opened fraudulently and they were still holding me responsible for the charges. After calling XXXX XXXX again, they verified that the application had a different address, social security number, drivers license number, D.O.B., and that the purchase was for a stackable washer/dryer purchased in XXXX, PA. They reopened the investigation. 

The results of that investigation concluded that the account was NOT opened fraudulently, that I had paid something on the account ( I have not ), and that I was still responsible for the charges, and would report me to consumer reporting agencies if I didn't pay. I have been receiving calls from Citibank ( now stopped at my request ), ongoing billing statements, and email requests for payment on an account that I never opened, made purchases against, nor made payments on.
Consumer complaint received 2022-07-20
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. (VA)

The unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX XXXX Balance : {$0.00} ( XX/XX/XXXX - XX/XX/XXXX ) XXXX XXXX Balance : {$0.00} ; DOE XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ( XX/XX/XXXX - XX/XX/XXXX ) ; DPT ED/XXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ( XX/XX/XXXX XXXX XX/XX/XXXX )
Consumer complaint received 2017-08-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (TX)

Hi My name is XXXX XXXX XXXX, I would like to file a complaint concerning credit card debt. I open a XXXX XXXX credit card XX/XX/XXXX issuing bank was XXXX. Card no. XXXX XXXX XXXX XXXX. More than 10 years I was maintain this card well, suddenly I lost my Job and having problem to pay my bill in timely manner. Long time I paid minimum payment. I had {$3400.00} balance, I stopped to pay Individual credit card payment and gave to " XXXX XXXX XXXX, New York '' to handle my credit cards. By this time XX/XX/XXXX XXXX cards sold my account to Midland Credit Management , Inc. See the attached first letter from MCM XXXX it is not welcoming letter, it is threaten letter, you will see a line " Your Experience with MCM will be different, Period ''!!!!, XXXX XXXX XXXX communicated with MCM, they did not agree to settle less than they have balance in the statement. By calling different source I figure it out MCM bought this account " Penny on the Dollar '' and called MCM, I proposed to take 25 % of the total balance but they did not agree with me. 

Now MCM sued me in the XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Tx XXXX, ph # XXXX, Cause No. XXXX Please help me out for make a negotiation to pay a affordable amount with payment plan
Consumer complaint received 2015-11-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Check Security Associates, LLC (OR)

Call at XXXX leaving messages they will sue they have repeatedly called my landlord to harass and embarrasse me they have been asked XXXX times not to do they also call constantly from different numbers also will not send debt validation letter.told my landlord that I owed money and was being sued.
Consumer complaint received 2024-03-14
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (GA)

This item collections account at HUNTER WARFIELD for the amount of {$4.00} is inaccurate because the debt assigned was improperly sent to collections under my name ( on XX/XX/2022 ) and does not belong to myself. The debt was sold to the HUNTER WARFIELD collections agency by XXXX XXXX XXXX without legal notice and/ or verification of debt to myself. I have requested verification of the debt from the collections agency several times and am always sent a bill as a reply. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt I am accused of owing. I have requested verification of the dead on several occasions, both by phone and via mail.
Consumer complaint received 2021-10-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Circle Internet Financial (NY)

XXXX XXXX is an app that allows you to invest in digital currency such as bitcoin and other coins. I have had a XXXX XXXX account since about XXXX. In XXXX, I changed my phone number and have not been able to access my account since, due to two-factor authentication. I have repeatedly reached out to XXXX XXXX customer service support team via email and website form since XXXX to update my phone number so that I can access my account. ( Their customer support number is not in service ). Their multiple responses directed me to upload a selfie holding my government issued ID to verify my identity. Once this step was completed, there was no response, no progress, and no update to my current phone number. The latest response to my renewed requested stated that my account was migrated to XXXX ( another investment app ) and the email further directed me to contact XXXX  support team on the email provided. XXXX responded by requesting a selfie with government issued ID as well. Ultimately, XXXX stated that my email could not be found in their system. 

Not only am I not able to access my account, I am legitimately concerned about this because I have submitted the requested verification images on multiple occasions with very little to no support. I hope whomever access to my information only uses it for the purpose it was intended for.
Consumer complaint received 2016-03-23
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP (WA)

My house payment was in the XXXX range. US BANK OFFERED A REFINANCE SO THAT WE COULD PAY OFF MY XXXX LINE OF CREDIT WITH THEM. They raised our interest rate by XXXX points. They did not pay off the XXXX line of credit that the claim I owe. My XXXX husband opened this line of credit & ai thin at least half should be removed. They face my husband ( the new one : XXXX XXXX a limited amount & only let him pay off certain debts. We now have a larger house payment, higher interest & they refuse to roll in this line of credit that 's chocking me. We worked again with XXXX at your branch on XXXX only to be turned down. Again & again we have been denied both by VA & US BANK. My husband & I have XXXX or better credit scores, decent income, own XXXX homed & XXXX cars. UsS bank prefers to leave me with their 16 % line of credit ( XXXX ) rather that roll that into our us bank home mortgage. Much more lucrative for them & they will likely end up Peking our house as they are chocking us with 7 % mortgage & 16 % line of credit XXXX XXXX ). My husband has SS & a great XXXX pension. Is his XXXX yr old age a factor? Iwe own XXXX homes free & clear & another only XXXX left on mortgage. The one we 're living in we owe XXXX thanks TO US BANK. Please advise XXXX & XXXX XXXX XXXX XXXX ( also their drive by appraisal of our home was very low -- XXXX trailer in front that blocked the homes view..! ) we are disappointed & my husband has XXXX XXXX XXXX. His stress is now enormous that 's to the lies & the " No '' s we were given. Our veterans deserve better. He has more integrity than US bank will ever know. 
Cheated out of our opportunity in XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX
Consumer complaint received 2019-02-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Resurgent Capital Services L.P. (MS)

LVNV Funding is a debt collection reporting on my credit. I disputed this information because the debt does not belong to me. Company has failed to validate debt. I attempted to call the company multiple times at the number XXXX and they are asking for personal information saying I won a gift card. It appears to be a scam and thru are reporting on my credit report.
Consumer complaint received 2016-11-27
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc. (VA)

AWA Collections, of XXXX, has acquired a debt of {$640.00}, plus {$32.00} in interest, from XXXX XXXX. This is a debt XXXX alleges I owe after renting a car last XXXX in XXXX. 
I attempted repeatedly to inform XXXX, and then AWA Collections, that I have already paid part of the fee and the rest is being charged in error due to mistakes by XXXX. Specifically, the company shows me renting a car different than the XXXX I actually rented and returning it three days later than I actually returned it. I provided documentation showing both errors by XXXX, but to no avail. AWA Collections was similarly disinterested in the truth when contacted by mail. 
I have already rightly been charged, and paid, {$380.00} for the car rental. I should not have to pay the remaining debt charge of {$260.00}, much less the combined amount ( plus interest ) that AWA Collections is seeking. 
I appreciate any assistance the Bureau of Consumer Finance can provide, and am glad to submit supporting documentation upon request.
Consumer complaint received 2022-07-20
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights.

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.