davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

At the end of XXXX this year, we got a new bank account. I needed to update my payment information, which Caliber lets you do online and is fairly simple. I marked the new account as my " Default Payment Method '' and removed that designation from my old payment account. There was nothing to indicate that what I had done would have zero effect on which account my payment would be pulled from. We should be able to quickly and easily update our payment info at any time. Unfortunately, Caliber prefers to make it difficult for consumers to do so. Without any notices or warnings in the Edit Bank Account Information section, Caliber allows consumers to believe they have updated their payment information, when in fact, it requires a separate form to be submitted via mail or fax to do so. The payment then unexpectedly pulled from the old account. I called customer service and was advised that I should have deleted the old account. Apparently, keeping it in case we wanted to have the option to use it wasn't possible. I was further advised that my bi-weekly autopay would need to be canceled, and I would need to set up a new one. The agent assured me she would cancel it so it wouldn't pull from the old account again and once canceled, I would need to submit a new application to set up the bi-weekly autopayments again with the new account. She did not, in fact, cancel my autopay and it has continued and still is pulling from the old account on a bi-weekly basis. I've reached out multiple times via secure message within the account AND a letter sent directly to Caliber. I've asked to speak to a manager or someone who can help me update my payment information and each time, I was advised that I would hear from a manager within 7-10 business days. It has been 18 business days and I have not heard from anyone. I have submitted bi-weekly autopay forms several times and each time, I receive a new blank form with the message that my autopay information has not been updated because my account must be paid one month in advance to set up bi-weekly autopay. Meanwhile, we already paid the account one month in advance to set up the bi-weekly autopay originally. I have included detailed instructions that I've already done this and I'm not looking to set up a new autopay, I only want to update the payment method on my current bi-weekly autopay and no one seems to be able to help me. Here I am, waiting in limbo and taking great pains to ensure the old account has sufficient funds to continue covering the payments that continue to be pulled from the wrong account against my wishes. I guess I'll have to keep waiting additional business days until a manager finally contacts me. Either way, we're so frustrated with Caliber and their lack of customer service that we almost want to refinance JUST TO AVOID DOING BUSINESS WITH THEM EVER AGAIN.
Consumer complaint received 2021-11-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have reached out to portfolio recovery associates to resolve an alleged debt. My demands were they delete and remove alleged debt from my consumer report, cease communication and pay the attached invoice of {$700.00} the invoice has yet to be paid. It was received on XX/XX/XXXX 8th
Consumer complaint received 2021-11-28
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: SUNRISE CREDIT SERVICES, INC (DE)

I pulled up my credit report and found a charge that isn't mine. I filed a dispute with XXXX. They found it to be real - even though it is not. They haven't provided any documentation for these charges. The company that is claiming the debt will also not respond. I would like to speak with a person. I would like proof that I signed up for this item. Neither of these companies seem to be willing to speak with consumers. 

SUNRISE CREDIT SERVICES , INC ( XXXX ) XXXX
Consumer complaint received 2021-11-28
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. (VA)

On XX/XX/XXXX, I submitted an Identity theft report, FTC # XXXX to XXXX, XXXX and TransUnion advising of the fraudulent accounts listed. The accounts are as follow : 1. Account Name : XXXX XXXX Account Number : XXXX 2. Account Name : XXXX XXXX Account Number : XXXX 3. Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number : XXXX XXXX XXXX XXXX and Transunion have ignored this very serious matter. I also wrote to the XXXX mentioned agencies on XX/XX/XXXX and have not heard back, this matter is still unresolved and in clear violation of my rights as an CONSUMER. I demand for the above listed accounts be removed from my credit profile.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (DC)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

This complaint is about Capital One. I had taxes withdrawn from my bank account, overdrawing it on XX/XX/2022, causing a payment to be returned on XX/XX/XXXX. I applied for a loan to pay off my credit cards, and received the funds a week later, on XX/XX/XXXX. I made a payment in-full on my card on that date. It cleared my bank on XX/XX/XXXX. Over the weekend, I attempted to contact Capital One to get the hold released, knowing that the payment had been both funded and posted. Capital One claimed that they needed to verify the payment. 

I called twice over the weekend, on Saturday, XX/XX/XXXX, to attempt to clear the hold, but my bank was closed and could not be contacted. I confirmed with a representative that as soon as the payment could be verified, the hold would be cleared. 

On Monday, XX/XX/2022, I called Capital One and had them verify with my bank that they had received the funds. I was then informed that my account would remain on hold until the end of the week, on XX/XX/XXXX. When I asked why, I was told it was policy. 

I regularly use this card and have a healthy payment history. The funds have been received, and I have a negative balance on my card ( so, a credit ). My account is still on hold, the funds have been verified, and there is no reason for me to not have access to my available credit. 

Capital One is making it impossible to pay off my card, for arbitrary reasons. Either the policy is that, once funds have been verified, holds are released, OR, the policy is that the hold remains regardless, but it can not be both.
Consumer complaint received 2021-12-14
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. (NC)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-11-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (NY)

Since XX/XX/2020 Freedom Mortgage has refused my Loss Modification mortgage package even though I am well qualified for a Loss Modification with an increase in both my wifes and my income. I have been denied 20 times due to missing documents that have been looked over by 3 people my attorney, mediator, and myself. We are all in shock on how Freedom mortgage continues to ask for more uncompleted documents that they claim have not been submitted or making any excuse to not complete the revciew. My attorney believes they are purposely trying to stall the process and deny the approval just to deny it based on no evidence that we are not qualified. 


Company of complaint : Freedom Mortgage Email address : XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX NY XXXX
Consumer complaint received 2021-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I respectfully request CFPB enforce ethical protocol for Capital One reward me the {$200.00} cashback credit card that I opened on XX/XX/2021. Capital One letter of XX/XX/2021 stated multiple incorrect statements. 
XXXX. Upon me applying for the XXXX XXXX  credit card there was no disclosure information provided to me. 
b. No one contacted me from Capital One by phone on the credit card change. 
c. I did not give authorization for the credit card change by Capital One. 
d, I had excellent credit card rating when I applied for the XXXX card that met the XXXX card requirement. 
e. I had an unused GM/CapitalOne credit card that no longer has XXXX XXXX as a sponsor for points rewards plus, Capital One kept taking away points regularly from the account. This card was not used for about 7 years. So I applied for a Capital One XXXX XXXX card. 
f. I have known of other Capital One customers that had several Capital One credit cards and they have the cash back cards too. I feel discriminated. Capital One needs to provide a customer list with all of the cards that a customer holds to CFPB. 
g. Capital One letter had no contact name. How do you respond to an ongoing complaint instead starting over with a new contact at Capital One? 
h. I feel Capital One did not read my letter for the details so they just replied with a standard form letter. 

I don't ask CFPB for legal action, I ask CFPB to enforce ethical and professional standards. I'm sure other Capital One customers have faced the same issue. 

Please have Capital One send my {$200.00} cash back to me. No more games. Treat customers with respect and like they want them as customers. 

Thank you CFPB XXXX : XXXX
Consumer complaint received 2021-11-28
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. (WI)

XXXX XXXX clearly states they ordered TRANSUNION to REMOVE all comments INCLUDING " and dispute investigation completed, consum ; CLOSED '' and TRANSUNION has not adhered nor respected this. Surprisingly XXXX made the correct updates, but TRANSUNION has not executed these changes. I demand TRANSUNION take the proof I am submitting AGAIN & REMOVE ALL COMMENTS AND STOP ADDING NEW ONES : " and dispute investigation completed, consum ; CLOSED '' The only thing this account should say are the ORIGINAL COMMENTS : CLOSED PER CONSUMER. IDK why XXXX XXXX or any of these credit bureaus put notes on an account I NEVER disputed and that has been archived for years. These people just like to make people 's lives XXXX & disrupt their livelihood.
Consumer complaint received 2021-11-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Holloway Credit Solutions (AL)

I contacted Holloway Credit Solutions in XX/XX/2021 requesting a verification of debt regarding an alleged debt in the amount of {$5500.00} they have reported to my credit report. I received correspondence by mail from Holloway Credit Solutions dated XX/XX/2021 in response to my request of verification. I do realize that some financial information must be shared with companies regarding debt, however debt collection agencies are not allowed to send me copies of my personal health information, the health entity can only do this. Due to this being a medical bill, Holloway Credit 's proper protocol was to have the medical entity send me my personal health information for verification purposes. Holloway Credit, as a debt collection agency is not allowed to DIRECTLY send me any transactions regarding the type of XXXX XXXX I may have had performed. This information would have to come directly from the facility or physician that provided the service ( s ). Holloway Credit sent me a copy of my personal medical information and this is a violation of HIPAA laws. This means that my information has been viewed by people that I do not want to see my health information.
Consumer complaint received 2021-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I went to XXXX : XXXX  and completed the application process. I requested my TransUnion Report, which displayed, but I was not able to print or save the report. The same results occurred for XXXX. I can see the reports but I can not get the reports. When I returned to the website using a different device I tried to get the XXXX Report, but the same result -- I can see the report but not get the report.
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (CA)

RE : CFPB # XXXX ( the " Complaint '' ) XXXX XXXX, Customer Experience Advocate TD Bank, America 's Most Convenient Bank -made the following statement. 
TD Auto Finance is required to report all accounts fairly and accurately per the Fair Credit Reporting Act. Therefore, we are unable to remove any accurately reporting information from your credit file This statement is not true, when I responded to Hopes response and asked her why she made this false and very misleading statement, she completely ignored my question. Here response was we may report to the credit bureau. 
This statement is a violation of 15 U.S Code 1692e - False or misleading representations. 
This violation comes with {$1000.00} fine Also, please, The notice that was sent to me regarding FCRA 623 ( a ) ( 7 ) ( G ) ( i ), notice either before you furnish the negative information or within 30 days of furnishing it. 
If you are unable to provide me the notice listed above, then it is a Violation of code FCRA 623 ( a ) ( 7 ) ( G ) ( i ), I ask that Hope please remove all information from the credit bureau and pay the {$1000.00} fine for violation of 15 US Code 1692e and also pay the fine of {$1000.00} for violation of FCRA 623 ( a ) ( 7 ) ( G ) ( i ), Please pay both fines and remove all information from my credit report.
Consumer complaint received 2021-11-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (SC)

I have three accounts with Comenity Bank : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX. I paid all three accounts in-full XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. I have always received paper statements for all three accounts and never signed up for paperless statements. For the 1st time since paying the accounts off in XXXX, I received a bill in the mail XX/XX/XXXX for XXXX and XXXX XXXX XXXX XXXX stating I have a balance. I called Comenity Bank about the matter and was told I had incurred residual interest which I wasn't aware of since I didn't received a bill, which also caused late fees and reporting late to the credit bureau. while questing the representative I inquired about XXXX XXXX and found the same had occured with that account as well except I have never received a bill to date. I believe this all to be a fraudulent act against me on the part of Comenity Bank. I'm asking your help to resolve this matter and avoid this from happening to anyone else! I have paid the fees to avoid any further attack against my credit. I pray Comenity Bank will refund the wrongful fees and interest charged and remove any negative reporting that has occurred since the accounts were pain in full XX/XX/XXXX.
Consumer complaint received 2024-08-25
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: Experian Information Solutions Inc. (NJ)

This letter is being sent to you in response to the phone conversation which took place on XX/XX/year> ( XX/XX/year> ) regarding account # XXXX Be advised this is not a refusal to pay, but a notice sent to pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested with evidence that I have any legal obligation to pay you, including the following documentation : XXXX. Agreement with the creditor that authorizes you to collect on this alleged debt. 

XXXX. The agreement bearing my signature stating that I ( XXXX XXXX ) have agreed to assume the debt. 

XXXX. Valid copies of the debt agreement stating the amount of the debt and interest charges. 

XXXX. Proof that the Statute of Limitations has not expired. 

XXXX. Complete payment history on this account along with an accounting of all additional charges being assessed XXXX. Proof that you are licensed to collect in the state of XXXX XXXX, and your license numbers and Registered Agent. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, Experian, and XXXX ) this action May constitute fraud under both Federal and State Laws. 

Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your company for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Sincerely, XXXX XXXX I got no response within the 30 days. I checked my credit report on XX/XX/year>, and this company has now placed a charge off in the amount of {$6500.00}. As of XX/XX/year>, my credit report is displaying this charge off. I have been disputing it with all three credit bureaus, Experian, XXXX, and XXXX. I've been disputing this with the bureaus for over three years. I never opened or signed for a XXXX credit card ending XXXX
Consumer complaint received 2021-11-28
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: WHEELS FINANCIAL GROUP, LLC. (CA)

Per my contract, the alleged debt has been paid as agreed at the time of signing. The promissory note is a negotiable instrument. I will be asserting all of my rights.

Per 15U.S. 1602 I am a natural person and XXXX XXXX is the creditor. 

I advise XXXX XXXX to also read the laws on consumer credit transaction According to 16 CFR 433.1, 16 CFR 433.2, 16CFR 433.3 this company is included to follow my rights XX/XX/1977, shall be exempt from the requirements of 16 CFR part 433 with respect to such contract provided the contract does not cut off consumers ' claims and defenses I have also been violatedand XXXX XXXX has borken the law by communicating or threatening to communicate to any person credit information which is known or which should be known false. This is under Title 15 U.S. Code 1692 E Lastly please see the Notice section as well in a consumer credit contract.

16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. 

NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 







XXXX XXXX Without recourse
Consumer complaint received 2022-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Monday XX/XX/XXXX I deposited 3 checks from the same company to a branch of Bank of America. I have been getting checks form this company for a while now. 
1 of those checks cleared immediately but the other 2 totaling {XXXX} were put on hold by the system. 
I reach out to BofA customer service the day after XX/XX/XXXX, and I was told by the Supervisor ( XXXX XXXX XXXX XXXX ) that she couldnt help me that same day due that the checks were still " processing '' but to call back in 1 day and the would release the funds then. 
I called again XX/XX/XXXX and another Supervisor ( XXXX # XXXX ) told me that she couldn't help me and I had to wait till the XXXX to release the Hold and the other supervisor was wrong about this. 
This was not the first time that BofA put a hold on a check I deposited but they always and I mean always helped me after a long phone call to release the funds. 
My account is now in red and if there is not enough funds to cover a very important ACH I will lose my XXXX XXXX which will take me out of business. 
Bank of America didnt care about my situation and kept saying we cant Help. 
I need the release of funds immediately.