davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (DC)

There is a collection account appearing on my XXXX credit report that the reporting agency ( Southwest Credit Systems ) has acknowledged to me is fraudulent and should not be associated with me. 

An earlier problem that I encountered in my attempt to resolve this issue was previously submitted to CFPB under Case Number XXXX. At that time, I was having problems getting XXXX to provide " a description of the procedure used to determine the accuracy and completeness of the information. '' As a result of that previous case number, I did receive that information. 

I then contacted Southwest Credit Systems, the company that was reporting this collection account to XXXX, to find out why they had this erroneous information on file. A summary of the interactions I had with Southwest can be found in the attached SWC Group Dispute Letter.docx file. Note that it was established in my first call to Southwest that this was a fraudulent charge and that I then spent the next few days fruitlessly trying to complete their process to finish resolving this issue. When it became clear that phone calls were not going to resolve anything with them, I sent the referenced letter. I did receive one callback ( finally ) from Southwest on XXXX XXXX ; I was not home at the time, but returned the call at XXXX XXXX. ( ET ) that day, once again leaving a message with all of my contact numbers and imploring them to please call be back. As of today, XXXX XXXX, I have not had any further contact from them. 

Because Southwest is behaving in a negligent manner by not resolving this issue, this erroneous information continues to appear on my XXXX credit report, as re-confirmed by XXXX as a result of the complaint I filed with CFPB as Case Number XXXX. 

At this point, I feel like I have done everything I can to make this right with both Southwest and XXXX, but somehow it 's just not getting through, and would appreciate any assistance that CFPB could provide to get Southwest to close out this issue and alert XXXX that this should not be on my credit report. The bottom line here is that Southwest knows that this is a fraudulent charge ( as detailed in the SWC Group Dispute Letter ) and despite my making every effort to work with them to get their information corrected ( also detailed in the SWC Group Dispute letter ) they are not getting this taken care of. 

I know that this is a small matter in the grand scheme of things, but I take pride in the fact that I have a good clean credit report with no issues. The fact that there is an issue on it that does not belong to me and is n't getting corrected, despite my having spent far more time on this than I should have to, is extremely annoying given that I am the person who potentially suffers as a result, not whoever it was that made the mistake in the first place.
Consumer complaint received 2016-03-10
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: CBA of GA, Inc. (MD)

They attempted to collect an amount that was not owed. I responded by explain to them the amount was paid to the original debtor and asked them to verify and send me the notice of verification. 
I asked them to stop trying to contact me if they did n't have the original debt amount that was owed and the date of the delinquency. 
I never heard from them, but instead they placed damaging information with the XXXX credit bureaus with false dates of delinquency. With XXXX credit bureau they reported that the debt with them was included in a bankruptcy. ( XXXX ) With another agency they reported it paid and closed. ( XXXX ) For over seven years they have attempted to collect an amount of XXXX that was paid with every under handed tactic that violates my FCRA rights. They also changed the delinquency date to the year 2011 and updated the reports so that they would remain with the reporting agencies longer. 
I was finally given this site to make a report about their actions in hopes of getting them to cease the harassment and continued defamation.
Consumer complaint received 2016-11-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IA)

I have been disputed wrong information on my credit file for over 6 months, and still Experian has yet to properly conduct the investigation and send the results as I want them. As a consumer, I know my rights, and I know what is suppose to be sent when disputing accounts on a file that do not belong on there.
Consumer complaint received 2016-03-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (TX)

I have been part of a scam and have contracted my bank ( XXXX ) and am not being taken seriously to stop the scam. I need your help. 







I have received several credits to my checking account x XXXX claims that I did not initiate through Macy 's XXXX XXXX. So far, not bad since it 's a credit - the next step these scammers do is start wiping out your funds. 




The credit card is not mine, however the checking account is. As of yesterday XXXX of the XXXX credits were reversed. Again I did not initiate this either. I spent over 3 hours on the phone with XXXX last week and 1 hour speaking to a supervisor- XXXX from Tennessee ( they give you their location when you call XXXX last night. She said they did not initiate it but the merchant did. Last week I canceled my debit card and have received a new XXXX. I received XXXX letter from XXXX yesterday that said I could have a copy of the transaction and when I spoke to XXXX, she said no, because they do n't have it. 










I said let me get this straight. I did not and the bank did not do anything except follow the orders/transactions from Macy's- which I told you I did not do! Yet Macy 's is able to have access to debit or credit with my funds? 




It was explained that the merchants sometimes clean up their accounts and return funds for bookkeeping purposes. If they did that- they why turn around the next week and recoup x XXXX of the transactions? 




When you XXXX " MACY*S.COM # XXXX there are pages of information, yet XXXX does nothing to block Macy 's from my account. I have a Macy 's card. They certainly know how to bill me or credit me. I also believe that any funds they may have would have been escheated to the state. 




XXXX : XXXX https : XXXX http : XXXX MACY*S XXXX XXXX XXXX XXXX MACY*S XXXX # XXXX XXXX OH I provided Macy 's On Line with the new American Express XXXX card to pay for XXXX pieces of luggage. The total cost was {$480.00}. 




View on XXXXMacy XXXXmacyscomXXXX
Consumer complaint received 2016-03-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: HEARTLAND PAYMENT SYSTEMS INC (NY)

When my quarterly loan payment becomes due, I am unable to submit payment on the lender 's website. For approximately 2 weeks leading up to the due date, when I log in I get an error message saying my loan information is not available. However, if I log in after the due date there are no issues. I looked at an alert which shows when the website does routing maintenance, so loan information can not be accessed during this time. However, no matter what time I log on, what day, on different web browsers, and from any of a variety of computers, I am still unable to access my loan information during the time I should be able to based on the website 's notification. This has occurred with the past 5 quarterly payments I have attempted to make, and each time I wind up having to submit a payment using what the amount was from previous statements I had received. 

I attached screen-shots of the message I receive when I first log in, and if I try to access any other features ( pay my loan, view account info, etc. )
Consumer complaint received 2016-03-08
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ZARVAD III S.A. (CA)

I sent the loan company a letter requesting them to revoke my ACH debit authorization based on my consumer rights. In addition, I asked that no phone calls be placed to my place a work or business. The days I sent the letter via email I received a call from a private number to my work and personal cell. A lady by the name of XXXX, told me that she would not honor the letter I sent asking to revoke my ACH debit authorization. She begin to harass me and became very unprofessional. I researched the company and found out they do not have a CA state business license and their fees for the loan was not legal.
Consumer complaint received 2024-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

In accordance with the Fair Credit Reporting act. 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 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 than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-03-09
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (NY)

ConsumerFinance.gov complaint against : Synchrony Bank ( Formerly GE Capital Retail Bank ) located at XXXX XXXX XXXX, XXXX, Ohio, XXXX, for LOWES BUSINESS ACCT/SYNCB, Payable at XXXX, GA XXXX, and Corporate headquarters located at XXXX XXXX XXXX XXXX XXXX, GA XXXX. 

XXXX My complaint is in regards to Synchrony Bank ( Formerly GE Capital Retail Bank ), for LOWES BUSINESS ACCT/SYNCB, is as follows ; The paperless solutions for this business line of credit are grossly inadequate, and the payment scheduling options are so antiquated that no advance payments of any kind can be arranged with this company, a practice that disallows any payment scheduling beyond 29 days in advance. I could not see my statements until recently ( when they finally began allowing customers to see an online statement. ) Additionally, I never received vital communication about changes to my account and to the terms of my credit agreement. 
I have been charged XXXX in late fees. I have had several phone conversations with them over the last 10 months and I have sent emails, even before today. 
My first email to them today at XXXX ( they only allow XXXX characters per email so there are four ) stated that I want synchrony bank to do at least ONE of the following three suggestions : 1 Integrate with MINT.com. 
2 Set up payments online as recurring payments. 
3 Set up payments online in advance ( further than 30 days ). 
I then asked them to remove all late charges from my account and credit the money toward my back due payment and credit the remainder toward any upcoming payments. 
My second email to them today at XXXX stated : Credit XXXX to my account. Use XXXX as a payment for last month, and XXXX as a partial payment toward this month. See other email I sent to your company today for further explanation, there was a XXXX late fee charged on XXXX, XXXX, XXXX, XXXX. Thank you. 
My third email at XXXX stated : I am also filing a complaint with https : XXXX asking you to answer for your unscrupulous business practices ... even if it 's legal ( which I 'm not sure of either ) it is clearly a set of business practice calculated to create additional charges to your consumers. 
The fourth email I sent them today stated : I wish to terminate my credit line and I want 6 months to pay it off from the date the account closes.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (TX)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (FL)

On XXXX the XXXX, my CHIME debit card was stolen from XXXX gas station... I called the same day to report my card stolen... I spoke with a chime representative and they issued another card to wrong address without verifying my information. I have not lived at prior address for 5 yrs .... I than called again to question why I have not received my card, They tell me that they sent the card out after 3 weeks of waiting still no card and can't access any money to pay bills... I called again today XX/XX/year> and still no card .... They are now saying that I have to wait another 3wks for my card to arrive... This type of practice is unethical and has now caused great harm to me paying bills on time and my monthly rent. Can someone please help me?
Consumer complaint received 2016-03-10
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: DriveTime (IN)

DT received a insurance lease gap payment final date XXXX/XXXX/XXXX from XXXX due to accident XXXX/XXXX/XXXX Claim XXXX, after final payment was received I spoke with a gentleman at DT that advised all accounts were closed and removed from CBR which was confirmed once all XXXX CBR had DT closed, XX/XX/XXXX I received a letter advising of such Balance of {$1700.00} with a settlement request. I spoke with a female rep from DT ( XXXX ) XXXX that advised indeed what the gentleman advised was correct and account will be removed out of collections and no more correspondence would be received. Letter dated XXXX/XXXX/XXXX advises another attempt to collect ( XXXX letter a year- failed at due diligence and collection attempts ) Account Manager advised no there were no notations advising of what each rep advised but noted that I contacted. Transferred to a " manager '' advises that same. I advised her to pull the call and she advised she COULD NOT, I advised her what I was advised for going on 2 years and advised I would file a complaint to get this rectified since she was not gone to attempt to resolve my minor issue. 

I spoke to DT after filing the XXXX complaint on XX/XX/XXXX ; on XX/XX/XXXX and the customer rep who was not XXXX ( one who left message from Customer Resolution ) advised that XXXX was gone to inform me that I could settle while they review the calls for training purposes. I told the rep that their resolution was not acceptable as they had not even listen to said calls I mentioned above. 
I contacted DT XXXX back on XX/XX/XXXX and was advised the same thing, that they have not reviewed the calls yet and I could settle. I advised the rep who was not XXXX, that they should call me back after they reviewed the calls so they could finally resolve my issue besides trying to get me to settle on said balance that was supposedly " paid in full '' advised by XXXX of their reps. The XXXX rep advised that I had requested on XX/XX/XXXX to place a Cease and Desist on my account, this in fact was false and advised her to remove it because why would I request to place a C & D on my account when my issue has not been resolved. As well as advised her to review that call, because placing a C & D on someone 's account is not legal without their authorization and working with Charged Off Private Loans, it can lead to that account being placed with a Cease and Desist Law Firm.
Consumer complaint received 2016-03-07
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (WA)

I am now opening a formal complaint and reporting this file to Making Home Affordable.gov as well as the consumer finance protection bureau and the federal Trade commission. 

I would like to start by saying that we had submitted this transaction to Ocwen Loan Servicing with an offer of {$110000.00} Ocwen Required us to move the file to XXXX and list this on XXXX where another buyer won the auction at ( meeting he reserve bid ) and even bidding higher to {$110000.00} plus the required {$5200.00} plus {$290.00} both fees paid to XXXX. 

The file moved back to Ocwen, the file was then submitted to the investor and was rejected ( not for the HAFA fee of {$12000.00} being offered to the XXXX lien ) but because the purchase price was too low according to the investor. Ocwens solutions was to submit the file back to XXXX to have the property put back on the auction site and try to obtain a higher offer. 

I filed a complaint and the file moved to XXXX XXXX in escalations, and was told the file is no longer with ALtisource. I asked XXXX about the coutner/ value/ buyers premium etc. He decided to only answer emails he felt comfortable answering and stuck to countering me. 

He then asked me for a payoff for the XXXX which I obtained. He then countered me that the max to the XXXX in HAFA would be 8 % UPPB. He did n't want to provide the guidelines to me that stated it was 8 % nor did he want to explain why the XXXX 2016 HAFA policy says the agreegate cap can not be less than $ XXXX instead he wanted to speak with me via the telephone where he could speak over me and continue to argue with me that I was reading the policy wrong. 

I will be bring this up with those regulatory agencies so they can elaborate on their policy for Ocwen. 

I hope the Trade commission decided to investigate this Ocwen/ XXXX relationship. And I would like an explanation how this is acceptable customer service. Now we have been at this for months and months. I escalate a matter and get totally unprofessional service from your escalations representative. Please see below and advise.
Consumer complaint received 2016-03-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XX/XX/2015 I worked out a payment plan with XXXX XXXX so I could pay off a delinquent amount owed. When the Rep first told me about their generous payment plan option she told me that they would waive all late fees, interest and annual fees to help me pay off the balance if I agreed to terms that they would directly tap my checking account for a set sum every month for a year. The problem is when I asked how this would affect my credit report she said she did not know. I had to work out something so I took the offer. Now however I have some debt I truly need to pay off including XXXX XXXX and want to refinance my mortgage to tap my home equity to pay it off once and for all. The problem is that I just learned through applying for a refinance that my FICA score is so low due to XXXX continuing to report that I am delinquent. When I spoke to XXXX Customer Service a few weeks ago, they told me that they were aware that any of their payment plan options on my card would, in fact, affect my credit since they do not attempt to adjust for the acknowledging the payment plan I am on. My complaint is that the original Rep did not reveal this to me. If I had known this at the onset, I would have immediately worked to refinance XX/XX/XXXX before my FICA dropped so precariously low. I feel the original Rep was deceptive in not properly investigating internally how her own company would handle my credit reporting. And, they wo n't send me the transcript of the original Reps ' call with me either, which I feel further proves they are hiding behind what was not said and should have been. Now not only am I prevented from getting out of debt and paying XXXX off sooner ( to their own disadvantage I might add! ), but I am financially strapped until this XXXX debt is paid off this fall. I can not wait to do this as I am getting into deeper debt every month as my other credit card bills continue to mount with interest. The ONLY one reporting me delinquent is XXXX -- every other card issuer and bill payer I am on time. This is serious for me. Can you help get them to eliminate the delinquency reporting so I can get my FICA score back on track to get a refinance and pay them and other creditors off?
Consumer complaint received 2016-03-10
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Atlantic Recovery Solutions LLC (FL)

received a call from XXXX -- it only came up on caller id as XXXX Fl, and I was getting ready to leave the house I almost did not answer. However, the message started out saying this message was for ... ... ( my name ) and they currently had an urgent matter with my name and social security number attached to it so at this point it sounded important so I picked up the phone ... ... ... ..the VERY nasty woman told me she was from ARS - and I was like yes, so who are you? She again said ARS - I told her I had no idea what she was talking about and had never heard of ARS - then she proceeded to inform me that she was from a collection agency. At this point I intercepted to advise her that I have been on XXXX since XXXX of XXXX and that the last time I personally was even able to make any payment on any credit card was in XXXX and it really did not matter what card what she was calling me about as the statute of limitations in the state of Florida was 4 yrs and even if they had a signed application then it was 5 yrs so either way, time barred. She continued to argue with me that how would I know anything about statutes. I informed her that prior to my becoming XXXX I was a collector and not with sub prime third party bottom feeder but with XXXX XXXX XXXX and I knew the laws inside and out. She then yelled at me enuf so that I had to move my phone away from my ear " so you think because you are XXXX you do n't have to pay a bill? '' I replied back to her ... ... ... .that would be correct because 1 ) the statute of limitations for collecting was over ... ... ... 2 ) up until I answered the phone, I never even received any communication from ARS and had not a clue who they were and 3 ) she could not touch my social security XXXX income, I own nothing else except for the clothes on my back - only thing my name is on at all is our Florida homestead and given our ages, I feel confident XXXX will actually still " own '' it by the time we die ... ... ... so yes ... ... ..I did not have to pay the bill - thru out all of this, the rep from ARS still DID not tell me who she was even collecting for - this is a violation of the FDCPA as was her threatening tone of voice ... ... ..if I had used that tone and was being monitored, I would have been terminated immediately from XXXX. This was not the first time the number called, but previously no messages had been left ... ... ... .also her message was certainly misleading and indicated that this was some type of possible social security matter, government matter, etc as she referred to a file on her desk with my name and social security attached to it, it sounded as though she was from law enforcement.