davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
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: Mcburberod Financial, Inc. d/b/a SeedFi (PA)

Cease & Desist : In accordance with the Fair Credit Reporting Act, this company has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer-reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer-reporting agency may make any consumer report containing the following information items. Any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

This complaint is due to the Consumer Credit Transaction with this companys financial institution executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) the term document means any information in any form. I demand this company CEASE and DESIST from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes, XXXX, XXXX, and XXXX. The Provisions of 15 USC 6801 ( a ) state, It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

Please be advised that I have not given this company the permission to share my nonpublic personal information. However, I ask this company that if there is a nondisclosure clause in the contract/agreement giving that option to share my nonpublic personal information I ask this company where I can opt out of their sharing of my nonpublic personal information. 15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that before such information is initially disclosed, to direct that such information not to be disclosed to such third party. 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that non-disclosure option. In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, this company furnished my nonpublic personal information to nonaffiliated third parties ( i.e., XXXX, XXXX, and XXXX ). With that said, this company has not only infringed on my rights to privacy but also violated multiple federal laws. I with this request that this company removes the above-mentioned information from my consumer credit report. If they accept my request, I will not escalate this matter to a federal complaint. Thank you for your attention to this matter.
Consumer complaint received 2022-12-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (MI)

Got a phone call today XX/XX/2022 at XXXX from someone stating they were calling from LVNV funding about an old credit card account I had through XXXX XXXX I told her to send it to me in writing and to stop calling me she said they tried sending it and nothing was done about it and asked what was I going to do about it I told her Id like a cease and desist she asked me again what was I going to do about the debt I raised my voice and told her again for a cease and desist she asked again what I was going to do about it I then yelled into the phone that shed be reported thank you and I hung up the phone
Consumer complaint received 2020-07-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

My name is XXXX XXXX, and my wife name is XXXX XXXX. We obtain a Mortgage loan with Bank of America N.A in XXXX to purchase a town house in New Jersey. The property address is XXXX XXXX XXXX XXXX NJ XXXXWe are so current in our payment until year XXXX. Unfortunately I lost my job in year XXXX, so also my wife lost her job. We seek for help from Bank of America N.A. for loan modification but we were denied. Due to the hardship we were defaulted in payment for 2 years ( XXXX XXXX ). Then we filled a Bankruptcy through NJ court, and we were discharged from financial obligation of the property in XX/XX/XXXX. Also we filled a notice of abandonment which was approved by NJ court. We moved out of the property. We request for a short sale of the the property from Bank of America through the loan servicing company ( XXXX XXXX XXXX. ) The short sale was approved by XXXX XXXX XXXXXXXX, but was denied by FHA/HUD. The FHA/HUD ordered that the property must be foreclose and advised that Bank of America N.A should initiate the foreclosure. Bank of America N.A. through their representative have taken possession of the house since XXXX, and they put 3 locks to secure the property. We have no assess to the property, our request for short sale was denied and the foreclosure process that we did not object to was never completed. The Condominium Association of the community has taken us to court twice to get a judgment in the amount of {$8000.00} in the XXXX and {$29000.00} in XXXX. They claimed that the property title is still on our name even though we don't live there, and also for the fact the Bank has taken over the property by securing it with their locks. 
Bank of America N.A. through their representatives : XXXX XXXX XXXX   XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX NJ XXXX. Tel : ( XXXX ) XXXX have failed to complete the foreclosure process to get the property off our name for 6 years. We contacted FHA/HUD about this matter, and they condemned the action of Bank of America on the foreclosure process and described it as EXTREME DELAY OF FORECLOSURE PROCESS. We are stalk as a victim between the Bank and the Condominium Association to keep paying the association fee for the services that we do not benefit from. We are soliciting for your help to let Bank of America .N.A through their legal representative ( XXXX XXXX XXXX XXXX XXXX XXXX ) to please either complete the foreclosure process or sell the property to get our name off the title. 
Thanks XXXX XXXX & XXXX XXXX Tel : ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX MD XXXX
Consumer complaint received 2021-06-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Byrider Franchising, LLC (MD)

I ( XXXX XXXX XXXX enter into a consumer credit transaction with CNAC-XXXX on XXXX XXXX XXXX. A consumer credit transaction in which a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is a sum of all charges. A consumer credit transaction because I know the finance charge the sum of all charges I was not expecting a bill. XXXX-MD102 sent a bill which is a violation 15 USC 1692b. I have attached a copy of License. I have sent you by mail my affidavit and invoice.
Consumer complaint received 2022-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (MT)

I made a transaction with a merchant ( XXXX ) that used 4 hours of my time ( Staffing shortages, Hold times, etc. ) on XX/XX/2022. I used my personal Chase ( Amazon ) Visa CC to pay said merchant over phone. Two days later ( XXXX XXXX 2022 ) I received an " alert '' from Chase via txt msg on my personal phone informing me of a declined charge. Chase did not give the name of the merchant, phone number of merchant, or any other description, so I was not able to confirm or deny the transaction. Chase also sent me an email to my email address on file XXXX XXXX 2022 and again included no identifying details other than an amount billed. After some research, I was able to match the amount of the disputed charge with an approved merchant and approved the transaction on the email webpage provided. Chase would not acknowledge my approval, and instructed me to call their office. 

I called Chase ( XXXX ) as instructed at XXXX mountain on XXXX XXXX. I was hung up on by the agent. I called Chase back at XXXX for help. Chase could not give me the correct contact information, or the name of the vendor in question. I was instructed by Chase to do my own research, and contact them ( Chase ) and either approve or deny the disputed charge upon completion of my research. I again did my research and called Chase to approve the purchase at XXXX XXXX XXXX. I explained to the agent that Chase 's failure to provide any supporting merchant information, and the fact that they would not acknowledge my email was putting an unreasonable burden on me because of the lack of disclosure on Chase 's part and refusal to approve the purchase. This " third '' agent apologized and informed me that she would contact this merchant while I was on hold and approve the transaction directly. The agent lied. She did not contact the merchant, but instead " patched '' me through to the merchant and I was on hold for another 47 minutes with the merchant ( not Chase, Chase hung up on me ). The Chase agent hung up and left the call as soon as she said she would approve the transaction with the Merchant ( XXXX XXXX ) After refusal of help from Chase, I called the merchant and using another 40 minutes of my time, cancelled the " disputed '' order and made another duplicate order using a different Credit card. 

At XXXX I again called Chase ( Amazon ) and visited with XXXX. XXXX elevated my call to her " supervisor '' XXXX. I explained to XXXX that Chase 's negligence in failing to give me detailed merchant information, refusing to follow my order of approval through my email, disconnecting two separate phone calls caused me an unreasonable burden and was unethical banking. I informed him that I planned on filing this complaint. XXXX informed me he was sorry. 

XXXX
Consumer complaint received 2019-01-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (DE)

I have a store card with XXXX thru XXXX XXXX. I am set up for automatic payments. I received a phone call from XXXX saying I haven't paid in 2 months. This is the second time this has happened with XXXX ( I do have other accounts with XXXX ). Because of the first time my credit limit was lowered. I thought I would use it again and try to rebuild my line of credit with them. Whan I talked to the representative, she was being evasive when I asked if this was going to be corrected on my CBR. She would say it would show me as current. I had to get specific, even though she knew what I was asking, and see if the late payment would be removed from the CBR since there was a reasonable expectation for the payment to be made per the arrangement on the website. The rep stated that it did come out for the one month but it stops after 6 months. I never say this on their website, nor was I given an alert letting me know my auto payments were about to expire and would need action on my part. She even asked if I wanted to make my past due payments with the checking account on file!!! It is the same checking account I have had for 20 yrs and the money was always there so I agreed to the payment t be taken immediately. When I asked to speak to a supervisor about this situation I was put on hold and then the call disconnected.
Consumer complaint received 2020-09-30
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. (WA)

On XX/XX/XXXXXXXX  our mortgage account with XXXX XXXX was brought current through XX/XX/XXXX with a {$15000.00} payment. On XX/XX/XXXX another payment of {$1600.00} was made and received to bring our account current through XX/XX/XXXX. 

The Mortgage company and all three credit reporting agencies XXXX XXXX, Trans Union, XXXX  XXXX are showing XX/XX/XXXX as XXXX days past due. This is incorrect. I have attempted multiple times to dispute this information and to have the account updated to reflect the actual payment history to be current in XX/XX/XXXX. 

The unwillingness to correct their records is keeping me from being approved for a loan.
Consumer complaint received 2019-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL (MD)

On XX/XX/XXXX at approx XXXX hrs I attempted to set up my mobile app for a care credit card, after three attempts of it not working I decided to call. On XX/XX/XXXX at approx XXXX hrs, I contacted synchrony credit card company. My first two attempts to call the number, resulted in the phone line ringing once then complete silence. My third attempt resulted in the company answering the phone, but will not release any information to me bc they say my date of birth is wrong and that I have to fax a copy of my drivers license. At this point Im very skeptical of their business practice, how can they issue credit cards to individuals when they arent verifying date of births in the beginning. They issued a credit in my name name with my information but wrong date of birth. They want me to except responsibility for all transactions on the credit card without allowing me to know the dob they entered into their system and used it and will not give me any information pertaining to me as the card holder ...
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LD Holdings Group, LLC (CA)

I have held a bimonthly autopayment of my mortgage on XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. I retired from federal service XX/XX/XXXX and moved to XXXX, XXXX  in XX/XX/XXXX. During the 8-10 years that I held a mortgage with Loan Depot my payment record was exemplary. My house in XXXX was rented. In XXXX XXXX apparently one of the autopayment failed. Home Depot did not notify me immediately so I could correct the error in a timely manner. Instead they suspended the autopay and I was advised in XX/XX/XXXX that my payment was in arrears for 3 payments. I wrote to the customer service portal asking for the reason why the autopay was stopped and how I could reinstate it. Phone based enquiries leave me on hold for a long time and then disconnect. I chose to use the message board in order to have a trail to enable someone to help me. In fact, I realized that the messages are not reaching a billing agent but a third party call center. The problem of miscommunication, crossed messages, resulted in me submitting payments based on the most recent communication with the Loan Depot representative which were returned to be as insufficient since the time passing has increased the amount due. I tried to explain as much as possible but all I got was how in one month I was behind on payment. There was no recognition that for 8 years or more I had a spotless record of payment and I deserved the courtesy of a human interaction for a conversation on the resolution of this issue. The report of poor mortgage payment has directly prevented me from purchasing a home in XXXX, CA. I am XXXX XXXX XXXX been through extremely difficult time since my move to XXXX and all I want is a roof above my head during the last years of my life that I can call my own. Loan Depot 's actions are unconscionable and inhuman. i m hoping that the report to the credit bureaus will be removed permanently and clear the way for me to obtain a mortgage on my last home. Thank you.
Consumer complaint received 2022-12-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

Notice to agent is noticed the principal notice the principal is notice to agent. 
I just received my reinvestigation back from XXXX XXXX. ld like to receive the description according to 15 USC 1681i ( 7 ). 
Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 
Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX # XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Revolving Account Loan Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : SECURED Remarks : ACCOUNT PAID FROM COLLATERALS ; CLOSED XXXX  # XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Revolving Account Loan Type : CREDIT CARDRequested On : XX/XX/XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX ) Requested On : XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX, XXXX XXXX XXXX XXXX ) Requested On : XX/XX/XXXX XXXX XXXX OF XXXX via XXXX XXXX OF XXXX ( XXXX XXXX CT, XXXX, IL XXXX Permissible XXXX : CREDIT TRANSACTION Requested On : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, VA XXXX, XXXX XXXX XXXX XXXX ) Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ] XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, DE XXXX, XXXX XXXX ) XXXX ) Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, VA XXXX, XXXX XXXX XXXX XXXX ) Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX ) XXXX ) Requested On : XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, IA XXXX, XXXX XXXX XXXX XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX, XXXX XXXX XXXX XXXX ) Requested On : XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX Permissible Purpose : CREDIT TRANSACTION Requested On : XX/XX/XXXXXXXX XXXX XXXX XXXX  via XXXX ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX ) XXXX ) Permissible Purpose : CREDIT TRANSACTION Requested On : XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, IN XXXX, XXXX XXXX ) XXXX ) Requested On : XX/XX/XXXX 15 Usc 1691 15USC 1692 15USC 1681 ( m ) XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( AXi ). 
I attached a consumer report as evidence.
Consumer complaint received 2021-09-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IL)

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY INVOLVED. IVE BEEN TRYING TO REACH THE BUREAUS CONCERNING MY REPORTS AND ACCOUNTS I HAD IN DISPUTE, NOTHING CHANGED AND I NEED AN UPDATE AND HELP FROM CFPB THANKS
Consumer complaint received 2022-04-01
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: NAVY FEDERAL CREDIT UNION (GA)

I reserved a hotel room for XX/XX/XXXX. It was supposed to be reserve now and pay later but the hotel charged me. I canceled my hotel and received an email saying I would be refunded in full. well 2 weeks later no refund. Hotel couldn't give me info on the refund, so I put a dispute in with Navy Federal to get my money back since I had documentations of the refund. My credit score dropped XXXX points. The credit bureaus said Navy Federal added a remark to my credit card that it was fraud. I did not report my whole credit as fraud. I have disputed many charges since XXXX and it has never dropped my score. I called Navy Federal, and they said it wasn't showing on their end. I need this remark removed from my credit report. There's no reason my score should have dropped almost XXXX points for trying to get my money back that's owed to me when it's not fraud.
Consumer complaint received 2019-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am filing a complaint against US DEPARTMENT OF EDUCATION with the CFPB, I am compelled to demand that you provide communication exclusively through a printed letter on the status of ownership and how was the account assigned to your office. I request that you send me the proper proof that what you are reporting is true, or if you can not, to immediately remove it from my credit report. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for improper reporting of information to the credit bureaus regarding my credit history, actual defamation damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. Please deleted all this debt off my credit report.
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

Congress makes it clear that you assumed your role in evaluating consumer reports. I was affected by Equifax. Equifax you did not have permission to furnish anything on my reports, I did not give my consent. Also, congress states that consumer reporting agencies must exercise their grave responsibility. Equifax was unfair, impartial and did not respect my right to privacy. Nor did they receive consent to furnish anything on my report. Congress states that written instructions must be received from the consumer for consumer reporting agencies to furnish anything on a consumers report ; I did not give written instructions to equifax to furnish anything.
Consumer complaint received 2022-04-13
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. (TX)

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnionXXXX 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 Inquiries that are reporting on my Credit Reports : XXXX : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX