davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-29
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

I understand some pretender lender loan servicers use cozy relationships with employees and cozy relationships with shady lawyers to help with embezzlement cover-up's.. The big question under oath will be, are some opposing counsels committing fraud upon the court claiming to have personal knowledge and have looked at all the manufactured documents to assist troubled pretender lender loan servicer 's with financial crimes. We all know the laws allow plaintiffs the right to have a fair jury trial to prove cases with evidence. The big question that continues to go unanswered, is opposing counsel spinning the laws to attempt to take away plaintiffs rights to have color copies of all the so-called original loan documents that have been so called notarized? One would think a honest lawyer would provide the plaintiff with documents that the plaintiff is entitled to without response threats. One wonders who all the parties really are who are out to desperately embezzle my property. We all know many lawyers have been disbarred and jailed for financial crimes. We all know the FBI investigates and jails criminals for financial crimes. When is opposing counsel going respond to my consumer complaint without spins and provide me with color copies of all the so-called original loan documents that have been so-called notarized that I am entitled to. The other question that continues to go unanswered all of these years is, when is opposing counsel going to allow my FBI forensic expert access to the so-called original documents, including the so-called original note and the original void assignment that was signed off by XXXX and XXXX employee just days before the pretender lender counsel filed its bogus lawsuit to pretend to be a party of interest then committing fraud upon the court? I look forward unwinding all the injustice with evidence. I look forward to the CFPB enforcement findings. I look forward to a jury trial. I look forward providing the California State Bar enforcement division with evidence after I am awarded damages.
Consumer complaint received 2018-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

There were two hard inquires that I did not authorize. I do not know how these inquires were made and why. 

One was from XXXXXXXX XXXX - XX/XX/2018 Another one was from XXXX XX/XX/2018
Consumer complaint received 2018-05-30
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. (GA)

TransUnion has been reporting information that is damaging to to my reputation.

TransUnion has continued to violate my FCRA U.S.C 1681 rights.

In XX/XX/XXXX and XX/XX/XXXX they have ignored my request for an investigation on false information on my credit report. They have failed to verify any details of XXXX XXXX and XXXX XXXX accounts they have listed. They have deliberately flasified documents and made un-verified changes to these accounts and reported these damaging facts to other creditors I have enclosed copies of two Investigation reports done by TransUnion. It shows where there records are not complete and have many missing pieces and information.
Consumer complaint received 2017-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (LA)

I tried to set up recurring payments with Chase bank and they do not offer different amounts online. called  Chase vis a and they confirmed it. only way is to pay each month separate. when asked if this was to force minimum payment to collect interest he agreed. this practice has to stop!
Consumer complaint received 2017-06-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

On    XXXX  , I paid m y car payment bill through bank of America. They decided to process the payment twice. The payment was o n XX/XX/XXXX  a nd was for  XXXX  and then processed again on   X/X/2017     for  XXXX .  <P/><P/><P/> My wife and I are in the process of closing this account and are lowering the balance and monitoring it while she changes her direct deposit. O n   XXXX  ,  my wife and I verified this balance with each other before writing a check for cash at another institution. I have attached a screen shot used for this conversation we had by text verifyi ng one debit an d the remaining balance in the account. With this additional debit and another debit process the account will now be in a negative balance. In  XX/XX/XXXX  Bank of America made  a Bill paym ent for this car payment to the wrong account. Our credit card is through  XXXX  and car loan is through  XXXX  in  XX/XX/XXXX  they sent this to the wrong account though I put it in accurately on their   Bill Pay.
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At this point it is possible for my wife to be criminally charged with theft by check in Oklahoma.
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Bank of America may be retaliating for a series of complaints detailing their harassment of us for filing complaints.
Consumer complaint received 2017-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (GA)

I feel that discover card does not want me to pay my total balance off now that I can afford to do so . Two months in a row (    XX/XX/XXXX  and  XX/XX/XXXX  ) th ey did not draft the statement balance. They also did not notify me at all. Because I am fixing my financial situation, I am watching everything closely. That said, I caught it both times and called them my self to fix. After confirming with  Discover that my checking account number and my routing number we 're correct more than once, they now tell me there was fraud reported- in  XXXX . The y continue to jerk me around when all I want to do is pay them off. Please help?
Consumer complaint received 2017-06-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On  XXXX / XXXX / 16  I Filed complaintforOLD DEBT Collection on  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  : complaint #  XXXX . We did not hear from them again until today. Today we received a Court document from  XXXX   XXXX  of California  , County of    XXXX    located at  XXXX , Ca. saying that  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  has filed a Substitution of Attorney -- Civil ( Without Court Order ) to new attorney  XXXX   XXXX   XXXX   XXXX ,  XXXX  under name  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Ca.  XXXX . I would like to file a complaint against both attorneys who are harassing me in regards to this very old debt. Please contact this attorneys in regards to this complaint immediately.
Consumer complaint received 2017-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

XX/XX/2017     Capital One was d eceitful in the mailer offer received I do not fill that the offer or cli provided was given with regard to my rights under the FCRA. To add further insult I feel I was treated poorly based on m y sexual orientati on and multiple times I was called a Ma'am during the call when I have applied a male -  XXXX  is not a female name -  XXXX  is ....
Consumer complaint received 2017-06-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (AZ)

I have  XXXX  accounts with Coinbase.   XXXX   is a bitcoin account, and the other is an Ethereum account. I have a verified driver license on my account, and they are asking me to submit another ID to perform any buy or sell requests. Their website continually does not accept my Global Entry ID, so my accounts are frozen. I have a total of {$180000.00} in   XXXX   accounts. I have submitted several requests to have them verify another ID, or have me submit another form of ID such as a phone bill, and they are not getting back to me.
Consumer complaint received 2024-10-09
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EdFinancial Services (SC)

Per the fcra as a federally protected consumer I am now opting out of any and all authorization. I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 usc 6802. Which is a violation of my privacy rights under XXXX and family and educational privacy act of XXXX. 

Dated : XX/XX/XXXX Amount : {$15000.00}
Consumer complaint received 2017-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

First off, my mortgage company said that I owed {$8000.00} on my   XXXX   statement and I called three times to get an explanation of why they said I owed so much money. The reps could n't explain it to me so I went ahead and paid my regular mortgage payment which was mailed on  XX/XX/XXXX  and cleared the mortgage company on XX/XX/XXXX . In  XXXX , I received another bill saying that I still owed an additional 6k over my normal payment so I called my local mortgage broker to see if they could help. They end up calling the loan servicing company and determined that it indeed was an error on their part. Unfortunately, while my local broker was working out the details with the loan servicing company, I was notified that   XXXX   ( loan servicing company ) reported to all  XXXX  credit bureaus that I was late for my   XXXX   payment. My broker at   XXXX   XXXX   XXXX   got them to finally adjust my bill and even mailed in my may payment for me but they have been unable to get the delinquent mark off of my credit. My credit went down from an average of  XXXX  to an average of   XXXX    and it has quite negatively impacted my personal and business finances. I have called every other day and nothing seems to be helping. I ca n't express how frustrated I am with my mortgage company. It has been nothing with problems.
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In addition to the credit issue, I also have received numerous late payment fees of over {$100.00} even though I have the payment postmarked and on its way by the  XXXX  or the latest the  XXXX  of each month. They say it takes about 10 days to show up in their system but it sometimes takes a lot longer than that and if they post a day after the  XXXX  then they charge me at least {$120.00}.
Consumer complaint received 2017-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

First off, my mortgage company said that I owed {$8000.00} on my  XXXX  statement and I called three times to get an explanation of why they said I owed so much money. The reps could n't explain it to me so I went ahead and paid my regular mortgage payment which was mailed on  XX/XX/XXXX  and cleared the mortgage company on  XX/XX/XXXX . In  XXXX , I received another bill saying that I still owed an additional 6k over my normal payment so I called my local mortgage broker to see if they could help. They end up calling the loan servicing company and determined that it indeed was an error on their part. Unfortunately, while my local broker was working out the details with the loan servicing company, I was notified that   XXXX   ( loan servicing company ) reported to all  XXXX  credit bureaus that I was late for my  XXXX  payment. My broker at   XXXX   XXXX   XXXX   got them to finally adjust my bill and even mailed in my may payment for me but they have been unable to get the delinquent mark off of my credit. My credit went down from an average of   XXXX   to an average of   XXXX    and it has quite negatively impacted my personal and business finances. I have called every other day and nothing seems to be helping. I ca n't express how frustrated I am with my mortgage company. It has been nothing with problems.
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In addition to the credit issue, I also have received numerous late payment fees of over {$100.00} even though I have the payment postmarked and on its way by the   XXXX   or the latest the  XXXX  of each month. They say it takes about 10 days to show up in their system but it sometimes takes a lot longer than that and if they post a day after the 15th then they charge me at least {$120.00}.
Consumer complaint received 2017-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (UT)

For the last year I have been trying to get a copy of a contract with my signature that shows that this is my account I have sent 3 letters to the company and 2 letters to the  XXXX  credit bureaus. They always send back a letter stating it is verified. I want to see the contract with my signature on it to know if this is really my account. FCRA Section 623 ( a ) ( 3 ) 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. The company never reported a dispute to any of the credit bureaus. It was not until  XXXX  2017 when I sent letters to the  XXXX  Credit Bureaus a dispute was put on my report. Then they still did not provide the name of the persons that verified that it was my account they just assumed it was and sent a letter to me saying it was verified.FDCPA Section 807 ( 8 ) 807. False or misleading representations [ 15 USC 1692e ] ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. now the original company has turn this over to someone else to collect. Also If the original creditor sells a debt to a collection agency (   XXXX   XXXX   ).   XXXX   and also wrote off the debt on their taxes it would write off any obligation to pay. Therefore the Contract was Cancelled.
So there is NO CONTRACT and this item needs to be removed from my report Immediately.
Consumer complaint received 2017-06-09
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. (UT)

For the last year I have been trying to get a copy of a contract with my signature that shows that this is my account I have sent 3 letters to the company and 2 letters to the  XXXX  credit bureaus. They always send back a letter stating it is verified. I want to see the contract with my signature on it to know if this is really my account. FCRA Section 623 ( a ) ( 3 ) 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. The company never reported a dispute to any of the credit bureaus. It was not until  XXXX  2017 when I sent letters to the  XXXX  Credit Bureaus a dispute was put on my report. Then they still did not provide the name of the persons that verified that it was my account they just assumed it was and sent a letter to me saying it was verified.FDCPA Section 807 ( 8 ) 807. False or misleading representations [ 15 USC 1692e ] ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. now the original company has turn this over to someone else to collect. Also If the original creditor sells a debt to a collection agency (   XXXX   XXXX   ).  XXXX  and also wrote off the debt on their taxes it would write off any obligation to pay. Therefore the Contract was Cancelled.
So there is NO CONTRACT and this item needs to be removed from my report Immediately.
Consumer complaint received 2018-05-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Co-Operative Adjustment Bureau, Inc. (CA)

Issue details 1.When I vacated the property, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, back in XX/XX/XXXX, I did request property manager to come for final inspection, but he didnt show up. We did clean up and handed over the property the same condition as it was given to us. I paid the rent until last date, pls find attached copy of final check. And they said, after I move out, they will return my deposit, which they never returned! There are no outstanding rent from my end. 
2.After leaving the apartment, I am not sure what work they did, but they charged me {$2100.00}, as changing carpet and painting etc. I lived there less than 1year, not sure on what basis they spent this replacement? 

a ) Apartment manager never notified us or given any quote before spending their expenses ( as per California law, landlord required to give 30day notice prior to repairing the premise ).

b ) Apartment manager never did walk thru to check the property. When they sent me letter quoting some charges, I replied back to them that these are invalid charges, pls find attached multiple letter sent to them as registered post. But they never responded back to my letters instead they gave it to collection agency. 
3.Pls find attached claim # XXXX filed and its clearly mentioned that it should not affect my credit records.
Consumer complaint received 2017-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (CT)

Upon a credit check review for a mortgage qualification I was made aware of a collection account for Security Credit Services in the amount of {$1100.00}. I contacted Security Credit Services to get more information and was transferred to   XXXX   XXXX   XXXX   XXXX  . The little information I was able to find out is the following : On XX/XX/XXXX  someone opened a  XXXX  account under one of my old names.   XXXX   transferred the account to   XXXX   XXXX    who sold it to Security Credit Services which hired   XXXX   XXXX   XXXX   XXXX  . I told both   XXXX   XXXX   XXXX   & Security Credit Services that I never purchased or did business with   XXXX    and that the name used to open the account in   XXXX   has n't been my legal name since  XXXX . I have asked both companies to provide me account documentation and to date nothing has been received. Also called  XXXX  and they showed no record of an account. I have filed an Identity Theft report with the FTC and a Police Report.
Consumer complaint received 2017-06-09
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: EQUIFAX, INC. (NJ)

Fo r five con secutive years, I 've been unsuccessful in obtaining the free annual credit report from Equifax. For the other  XXXX  bureaus,  XXXX  and  XXXX , it 's been fine every year. But for some reason, I always fail Equifax 's screening questions. As a result, I 'm forced to use the inconvenient physical mail option to request their free credit report. When this first ha ppened five ye ars ago, I thought it was a coincidence. But now aft er five f ailed attempts, I 'm starting to wonder if it 's more than just a coincidence.
Consumer complaint received 2018-05-30
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My current bank, Bank of America, has placed a 10 day hold on a deposited check. This is the second time this has occurred in a span of less than 6 months. On XX/XX/XXXX I have deposited a check for {$2000.00} from the company that manages my 401k, XXXX XXXX, no funds from the check were available {$0.00} once the deposit was made. I paid extra money for these funds to be expedited, obviously I need the funds. Bank of America state my funds will be available on XX/XX/XXXX. I have reached out to Bank of America and requested that the deposit hold be shortened. I understand the reasoning behind these hold and how ultimately it is done for the customers benefit but it is unreasonable to hold a check from a reputable company for more than 7 business days. This is not a personal check, I explained this to two customer service representatives from Bank of America, one of them a manager. I revealed personal information that is highly sensitive explaining the financial difficulties that I am enduring. To the point that I have withdrawn money from my retirement funds. I requested a 5 day hold and they were adamant that nothing could be done. I feel undervalued as a customer, this is money I was counting on because I have things to pay. If my account has insufficient funds they will charge me {$35.00} for each transaction. Again, making the rich, richer and the poor, poorer.
Consumer complaint received 2017-06-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BMW Financial Services NA, LLC (IL)

In  XXXX  I purchased a   XXXX   XXXX   XXXX   from BMW of   XXXX   ( IL ). I owned the vehicle for three ( 4 ) months. During the months of ownership the vehicle was returned to the dealership for repairs on four separate occasions for mechanical issues.
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As a result of the consistent mechanical issues with the vehicle, I returned the vehicle as a " voluntary repossession ''.
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I have requested, through BMW of North America and BMW Financial Services that the outstanding balance owed be forgiven since the vehicle had significant mechanical issues, and is a vehicle under factory recall for some of the issues I experienced with it.
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Each entity has " passed me off '' to the other, indicating that the other entity is responsible.
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I am only requesting that the claimed balance be removed from my credit repair. BMW of  XXXX  acknowledged possession of the vehicle. The debt has been " Charged off ''. However, it remains on my credit report as owed.
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I disagree that I owe this balance, and have been mistreated each time I make contact with BMW of North America and BMW Financial Services.