davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NC)

Community Loan Servicing was that company I used to have my mortgage with ( https : //communityloanservicing.com/ ). I sold the property. Community Loan Servicing got paid. I however never got a disbursement check from them. The closing was on XX/XX/2022 ( when the house went to the new owner ). I had paid XX/XX/2022. I understand they charged XXXX, XXXX, and XX/XX/2022 to the title company. There was escrow too. Meaning that they should give me money back. Community Loan Servicing instead transfer my loan to XXXX XXXX. XXXX XXXX says my information could be with XXXX XXXX I have spent numerous amount of hours with representatives from the 3 companies but none of them can find my info. I changed address but have not even been able to update any of my info because none of these companies have my account information. 
My name is : XXXX XXXX My phone number is : XXXX My social security is : XXXX My email is XXXX The account number with Community Loan Servicing is XXXX The address of my property that got sold and had the mortgage is : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX, XXXX. 
The closing ( sale ) happened on XX/XX/2022. 
The title company was : XXXX XXXX XXXX XXXX. 
My new ( mailing ) address is : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (PA)

i am in the process of securing a mortgage. Equifax has a freeze on my account. two weeks ago I called to have the freeze removed. i was told to send my license and social security card which i did. today i received a notice that i either do not have credit, have not used credit in 10 years, or do not live in the United States. none of this is true. XXXX XXXX and XXXX both show my scores. Any assistance in this matter would be helpful.Thank you.
Consumer complaint received 2022-06-03
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. (MI)

XXXX XXXX XXXX XXXX {$1700.00} XX/XX/2021 accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 a account without my written instructions
Consumer complaint received 2019-10-27
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CA)

I am a veteran who received a marketing call from my current mortgage company, Freedom Mortgage, who encouraged me to apply for a VA IRRRL. Since the inception of this process communication with the company has been predominately through a Customer Advocate who knows little to nothing about the loan process. The replies to my emails ( when the Customer Advocate decides to reply ) are short and scripted with no explanation as to why it has been almost three months and there has been no action on my IRRRL. I keep getting the run around, and told that the company is working very hard. I received all of the initial promises from the first loan officer about the benefits of the IRRRL and since then nothing has happened. I started the process on XX/XX/2019 and they said we would be able to close in about a month, it is now XX/XX/2019 and I still have no definitive reason why the process has stopped. I contact the Customer Advocate about once every two weeks. The reply is they are working hard If I try to phone the number goes to a recorded line that says to leave a detailed message. This company services my current mortgage, and I am disgusted by the poor customer service and being treated unfairly. I feel as though I have been scammed. The manner in which this company conducts their business is unprofessional, and as a veteran I feel as though I have been treated poorly. Remember, They called me and promised a lot of service and haven't followed through on anything, and now I am concerned about how this company does business.
Consumer complaint received 2019-10-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I currently hold a Walmart credit card that that was issued to me by XXXX XXXX in XXXX. My payments have always be due the 10th of the month per XXXX XXXX   correspondence. I have never been late nor missed a payment on this account per XXXX XXXX and Capital One Bank records. I was notified in mid XXXX of XXXX the holder of my account XXXX XXXX was being transferred to Capital One Bank betweenXX/XX/XXXX. On XX/XX/XXXX I made my payment and received an email confirmation confirming my payment on XX/XX/XXXX @ XXXX pst, which would post to my XX/XX/XXXX. On XX/XX/XXXX I received an email from Capital One Bank stating " You recently missed your credit card payment that was due on Tuesday, XX/XX/XXXX. Make your minimum payment to get your account caught up. If your account isnt in good standing, your card transactions may be declined. '' I call Capital One immediately after receiving the email to inquire about my payment I made on XX/XX/XXXX. I was told by a Capital One Bank customer service supervisor XXXX that my account was in fact in default for non payment and I need to make another payment to bring my balance current. I tried to explain that I had made my payment on XX/XX/XXXX and I had an email confirmation stating I had in fact made my payment. XXXX explained that I needed to be patient due to the fact Capital One Bank was in transition from the former holder of my account XXXX XXXX. I took her advice and waited patiently until I received another email from Capital One Bank on XX/XX/XXXX stating " We understand missing a payment happens, but its easy to catch up right now. Pay your bill through our free online bankingsimply sign in to your account and make a payment. '' I immediately called Capital One Bank again and spoke with a fraud supervisor XXXX. I explained the situation again and her response was positive but she stated that Capital One Bank had not yet received all payments from XXXX XXXX. I then received the most unsettling news, my XXXX credit cards had been suspended until I made a payment and it was being reported to the credit bureaus. As of XX/XX/XXXX this issue has not been resolved and its damaging my Credit.
Consumer complaint received 2021-08-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

On or about XX/XX/2021 I received a notification that a bill from Wakefield & Associates had appeared on my credit report. I wrote the company and asked the for the required proof of the debt and also notified them that I had never received notice of the alleged debt. Because of that they should remove it from my credit report. When they hadn't responded as of XX/XX/2021, I wrote them again and requested the proof. On Friday, XX/XX/XXXX, I received a statement compiled by Wakefield & Associates showing an alleged debt from XXXX XXXX XXXX XXXX  XXXX. Still I have not received any proof and they have not addressed my complaint that I did not receive notice of the debt so that I could dispute it.
Consumer complaint received 2021-03-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken (AZ)

On XX/XX/XXXX I transferred XXXX XLM ( virtual currency ) to Crypto Exchange Kraken. My deposit was never completed in my Kraken account. I followed the support procedure listed on the Kraken support website https : XXXX. I opened case with Kraken XXXX I was told I used an incorrect " Memo '' ID and that for security purposes I would need to wait 30 days. I patiently waited 30 days, on XX/XX/XXXX I heard back from Kraken stating they will start the recovery process.

I had not heard back from Kraken since the XX/XX/XXXX msg, I emailed them several more times and received no response. On XX/XX/XXXX I opened a new case XXXX, the following day the case was closed with no reason. I received another msg on XXXX saying my case was sent to a specialist and is being reviewed. 

Its been almost 7 weeks now and I still do not have my funds. I have read online articles that others in the same situation had the issue corrected within a week, I feel I am being pushed to the side because my amount is not as large as others.
Consumer complaint received 2021-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (MD)

Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.
Consumer complaint received 2021-03-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (FL)

Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.
Consumer complaint received 2024-11-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SYNCHRONY FINANCIAL (TX)

Dear Consumer Financial Protection Bureau, I am filing this complaint against Care Credit / Synchrony Financial in connection with their actions related to my recent application for credit. The company has demonstrated discriminatory practices, resulting in a prima facie violation of the Equal Credit Opportunity Act ( ECOA ), specifically 15 U.S.C. 1691 ( a ). I believe this conduct reflects a pattern of misconduct that has not been corrected despite multiple correspondences and notifications. 

On XX/XX/year>, I received correspondence from Care Credit XXXX Synchrony Financial denying my request for credit based on alleged information from my consumer credit report, which I assert remains unvalidated. I am of the age of majority, possess unlimited capacity to contract, and have provided a Durable Power of Attorney along with explicit instructions related to this matter. Their denial of my request is discriminatory in nature, relying on unvalidated and irrelevant information. 

Furthermore, this conduct also constitutes a breach of fiduciary duty under Section 16 of the Federal Reserve Act, which specifies that an application itself serves as sufficient security collateral. It is my understanding that only the Board of Governors of the Federal Reserve is authorized to make such determinations. Therefore, Care Credit / Synchrony Financials actions are unauthorized and unlawful, and their reliance on external factors not pertaining to their fiduciary duty is unjustified. 

I have formally rescinded my application and demanded the immediate return of my original documents, as provided in my Final Tier 3 Notice under 12 U.S.C. 504. Despite these requests, the organization has yet to comply, failing to fulfill its obligations within the given timeline of five ( 5 ) business days from receipt of the notice. 

This complaint is not related to the Truth in Lending Act. It arises specifically from Care Credit / Synchrony Financials acceptance of my application as consideration without issuing credit and their subsequent failure to meet their fiduciary duties. I seek your assistance in addressing their continued violations of federal law and discriminatory practices.

I prefer to resolve this matter without escalating to legal proceedings, and I am requesting CFPB 's intervention to ensure compliance by Care Credit / Synchrony Financial with all relevant federal regulations. I trust your office will assist in guiding this organization towards lawful conduct.

Thank you for your prompt attention to this serious matter. 

Sincerely,
Consumer complaint received 2022-11-07
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. (TX)

In accordance with the Fair Credit Reporting act. I am attaching a Copy of the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 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 a account without my written instructions 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not fursnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable to cause to believe that the information is inaccutare.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other records of convictions of crimes which antedates the report by more than seven years
Consumer complaint received 2022-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

My girlfriend sends me {$880.00} to my Chase Checking each month via XXXX through her bank XXXX XXXX XXXX  ) for household expenses. Although both institutions support immediate XXXX payments, Chase doesn't credit my account the day of the transfer ( usually around the XXXX of each month ), and instead credits it about four days after the date of the transfer. 

After several secure messages back and forth with Chase, who gave non-helpful answers such as my GF 's bank may not support immediate transfers ( they do ) or that I should contact XXXX directly for resolution. So I contacted XXXX and they can only help if the payments are scheduled directly through them and not one their participating banks. 

XXXX XXXX
Consumer complaint received 2022-04-12
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. (NY)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Consumer complaint received 2021-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I tried contacting my bank Capital One to dispute a charge on my debit card but I kept getting hung up on. The charge is from XXXX XXXX for {$1400.00} that was charged in 2 seperate transactions one for {$140.00} and another for {$1200.00} to my Mastercard ending in XXXX on XX/XX/2021 for the purchase of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX Carats that I was supposed to receive within 5 days via XXXX. I showed my ID to a XXXX employee and I never signed for the package I ordered. The person who signed used a fraudulent signature at my apartments by spelling my last name wrong " XXXX '' when my name is " XXXX XXXX ''. I have filed a police report with XXXX XXXX Police Department with case number XXXX for the crime and reported to XXXX  and XXXX XXXX. The merchant has not been helpful and I have attached my emails with merchant and XXXX  as well as my Police report information. I just want Capital One to help me dispute these 2 transactions on XXXX XXXX for the full amount due to me not receiving the merchandise so I can have a refund please. 
My number is XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (MT)

My name is XXXX XXXX and I want to complain about PayPal lying to me without resolving my issues.

Whenever I want to link my card to withdraw my funds, it says " there is a problem wrong with my account asking me to contact customer service for help ''.

When I contacted customer service by sending a message by logging into my PayPal account, they do not respond to resolve my issue for more than a month now.

The 180 days hold expired since last month but I can not withdraw my funds due to PayPal not allowing me to add me card, I have bills to pay.

It is Worthy to note that in my similar complaint to the office of California Attorney General last month with complaint number XXXX, a PayPal employee by name XXXX XXXX responded and lied to me that she had made adjustment for me to be able to add my bank or card to withdraw my funds, and she further stated that no errors occurred when handling my account. Such is a big lie and I would like to sue her for lies. 

After she responded and said no issues were found, I tried to link my bank and card but the same error occurred, which means she lied to me. 

I have also contacted PayPal ok XXXX explaining the issue to them about the lies and a customer service representative by name XXXX said she had escalated my issue to a specialist to resolve it and said all requests are handled in the order they are received. Since then I haven't heard from PayPal and it has been weeks.

PayPal purposely ignored me and they lied that my issue has been resolved when it has not. I believe PayPal is run by unprofessional people and they need to conduct further retraining of their support teams so as to know exactly what customer issues are and how to resolve them. 


I need a specialist to handle my issue so it can be taken care of properly since XXXX XXXX showed her unprofessionalism by lying when she didn't even do anything to resolve the complaint I raised, I wish she could be retrained further as she sounds so XXXX  and unprofessional despite her position. 

I also spoke with my bank which is the card issuer and they said the issue isn't from bank. 

I have tried more than 5 different cards from different banks of mine but the error message is still saying the same thing. My banks said I should reach out to PayPal, but PayPal is not helping due to its untrained support. I have tried up to 7 cards from different banks such as XXXX XXXX, XXXX, XXXX XXXX and other bank cards of mine but I still got the same error message from PayPal.

My bank is not the issue.

I only want a very professional specialist to look into my case so as to resolve it, I do not want further contact by XXXX XXXX because of her unprofessionalism I want PayPal to resolve my issue and give a response that truly it has been resolved, I don't need a copy and paste replies. 


My PayPal email is XXXX XXXX
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

Please be advised that as of today as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference, please see the below inquiries : CXXXX XXXX XXXX XXXX ( XX/XX/ ) XXXXXXXX XXXX XXXX  ( XX/XX/ ) XXXX XXXX XXXX ( XX/XX/ ) XXXXXXXX XXXX XXXX  ( XX/XX/ ) * XXXXXXXX XXXX ( XXXX  ) I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Experian the right to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. Unless they can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the abovementioned inquiries. It is Experian 's duty to accurately report information and as of now they are not doing that. I look forward to someone resolving this matter with this initial communication.