davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

I took out a personal loan from One Main Financial and paid it off in full on XXXX XXXX, XXXX. 
Then just recently i look at my credit report and it shows as i just took out a new loan in XXXX XXXX. I was contacted by them asking for my personal information and i refused to give it to them because they had all my contact information when i originally applied. 
They informed me that they did n't have any of my information because they operate as XXXX XXXX  now. I was told that XXXX XXXX reversed the payment but i was never aware of this and no one ever called or sent me any information regarding this issue.
Consumer complaint received 2017-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (NH)

Received a phone call from Afni and subsequently a letter dated XXXX/17 from AFNI, Inc stating that I owed XXXX {$2300.00}. I never had a XXXX account. Talked to a XXXX representative and they said they could not find anything under my name or the XXXX account # XXXX ( provided by AFNI, Inc in the said letter ). XXXX asked me to file a complaint with their Fraud department as they told me someone is trying to collect under your name.
Consumer complaint received 2017-01-17
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (GA)

I 've contact Midland Funding by letter, sent via XXXX certified mail, to obtain debt verification. XXXX refuses to respond by sending the information I requested, but continues to report this unverified debt to the credit bureaus. Upon researching, this is in violation of a XX/XX/XXXX XXXX obtained by the Consumer Financial Protection Bureau for XXXX to stop collecting debts that can not verify.
Consumer complaint received 2017-12-06
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: NIC, Inc. (AZ)

The company I work for monitors and records calls. I had asked XXXX XXXX @ XXXX XXXX to not call me at work ever. He agreed and contacted me by cell phone and email for normal contact. 

Today on XX/XX/XXXX he again called my work and harassed me. He immediately ask for payment of debt. I told him I was at work and could not talk. I asked him, on the call, to contact me outside of work and to remove the work number from his contact sheet. 

He immediately said that my not wanting to talk to him at the moment constituted me no wanting to pay and that he would go ahead and count me as non-payment. 

I was then forced to try to plea with XXXX while on the recorded line and being monitored by my employers. He hung up on me and I had to contact them outside of work. 

XXXX XXXX tone and conversation caused me to reveal information I did not want reveal to my employer. My employers are upset that I had taken company time to address these issues. Had XXXX XXXX not revealed my debt on the call or agreed to handle this outside of work, it would not have been an issue for my employer.
Consumer complaint received 2017-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

once again I am complaining about my mortgage company OCWEN they are the worst company on the face of the earth! 
I have said it before and I will keep saying " they are spread out too thin to be effective '' they have offices in XXXX and the when they send out information it always comes from their XXXX XXXX XXXX Florida office. their left hand does not know what their right hand is doing. I call their toll free number from my residence in the United States I should be connected to some one in the United States NOT XXXX!!!!!!!!!!!!!!! 
XXXX does not understand and they do not have up to date records payments go to a US address in XXXX XXXX Illinois as another office, they are spread too thin. They do not credit payments when they are received so they can charge a late fee.
Consumer complaint received 2017-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XXXX/XXXX/XXXX I sent a letter to Transunion in regard to inquiries that were removed XXXX of XXXX and then added to my report without my knowledge Apparently around XXXX XXXX,. ( Which they ca n't do without written notice ). The company ignore my request which is why I 'm now filing a complain with the CFBP. 
The inquiries in question are as follow : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2017-12-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (PA)

On XXXX XXXX, my County taxes were paid {$1700.00}, but the due date was XXXX XXXX. There is a separate transaction on XXXX XXXX for " city, utility disbursement '' for {$130.00}, which is the 10 % penalty for being 5 months late. 
On XXXX XXXX, My two township taxes of {$850.00} and {$23.00} were paid, but the due date was XXXX XXXX. There is two separate transactions on XXXX XXXX for " city, utility disbursement '' for {$100.00} and {$2.00} for the two 10 % penalties for it being 6 months late. 
On XXXX XXXX, my school taxes that were due XXXX XXXX, were paid {$3600.00}. There is a separate transaction for 10 % penalty under " city, utility disbursement '' for {$440.00} for taxes being 3 months late. 
Totaling {$690.00} in penalties. 

We purchased this house in XXXX of XXXX and had an escrow account set up with our mortgage from day 1. We do not receive any tax information until we receive a receipt that it is paid or we have received a final notice saying there will be a lien placed on our house if the taxes remain unpaid. Our tax information gets sent directly to the mortgage company, which is the point of having an escrow. The mortgage company is paid to take care of paying all the taxes ON TIME. I was told this is my fault for all the taxes being paid late, but other than making my mortgage/escrow payments ON TIME I should have nothing to do with it. This has been an on going saga for over a month and is still yet to be properly resolved. 
I have filed multiple complaints within the company and the company supposedly " looked into it '', but they keep responding with they have paid my taxes on time which is not true. On their website through my account, you can see that the taxes were not paid on time as well as logging on to my county website to see they were late as well.
Consumer complaint received 2017-03-02
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

I would like to file a complaint against a Chase Bank that is located on XXXX, XXXX, CA XXXX for treating customers in an inappropriate way. My son and I were at that mentioned location yesterday XX/XX/2017 at XXXX pm. Their hours show they closed at XXXX pm. We were greeted by a young lady who asked us what was the reason we went there for. We told her that we wanted to open an account. She wrote down my son 's name and we were told to take a seat. We were waiting and there were XXXX groups of people in front of us. At about XXXX, we were told by the young lady that they could n't help us open an account today because they stopped opening accounts at XXXX pm. She suggested we could either make an appointment for another time or come back the following day. When I heard that, I was so upset. She should have told us about XXXX when she knew about the situation. It would not be a big deal for me if we had been waiting for ONLY XXXX minutes, but we had been waiting for half an hour and were told we could n't open an account. They wasted a half an hour of our time for nothing. So I told her I wanted to file the complaint with the manager. She told me the manager was not there so she let me talk to the XXXX teller, who also told us that they could n't help us today. My point is if they already knew the cut off time to open a new account is XXXX pm, why did the young lady not tell us at XXXX? Why did she wait XXXX minutes to XXXX pm to inform us that they could n't help us to open the account today. I have no problem with leaving if we had just been waiting for XXXX minutes but we were waiting for half an hour and were sent home. This is not an appropriate way to serve the public. The reason I am filing a complaint against Chase Bank is because I do n't want them to treat other customers the same way that they treated us. I still think that they should have stayed longer to help us to open the account because we did n't walk into the bank XXXX minutes before they closed. I left the Chase Bank angry and upset.
Consumer complaint received 2017-11-22
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: ALLY FINANCIAL INC. (FL)

There were several accounts listed on my credit report that 's inaccurate and has hurt my credit scores. I have on several occasions disputed alleged late payments on my credit report. These companies have yet to send me. 

Section 168 of FCRA law ( s ) info on report does NOT match my records. I demand this item to be Updated to Paid as agreed, never late from my credit report ASAP. 
The below listed Late Payments that are being reported within my credit report is inaccurate account information. I have never been late with my payments of these accounts. It is not clear to me how these late payments could have become merged within my credit file. Perhaps it was the result of a mixed file incident on behalf of you, the credit reporting agency or the original creditor. Whichever it is, the fact remains these late payments are incorrect payment history information. Under Section 168 FCRA this Late Payments Dated does not match my records nor the original creditors records to what reflects on my credit report, there-fore this item MUST be deleted and UPDATED under this law. The late payments never happened!
Consumer complaint received 2017-11-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I filed a dispute sent through certified mail with XXXX XXXXXXXX on XX/XX/XXXX because I was informed about negative information reported by " XXXX XXXX XXXXXXXX. '' that stated to validate this information with " XXXX XXXX XXXX/XXXX '' and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of such documentation bearing my signature, I formally requested that this information be immediately deleted from my credit file maintained under my Social Security number. All 3 student loans listed with a reported balance is {$0.00} but still reporting negatively. I received a reply from XXXX XXXX on XX/XX/XXXX, which is within the 30 days to complete the investigation as per the FCRA verifying the information as accurate but no documentation bearing my signature in which I requested. Next, I sent another letter through certified mail to XXXX, XXXX on XX/XX/XXXX stating to provide a reinvestigation within fifteen ( 15 ) days of completion. Also, additionally to please provide the name, address, and telephone number of each person contacted regarding this alleged account and again to formally request a copy of any documents provided bearing my signature. I 've also reminded them of the " XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D. Cal. XX/XX/XXXX ), they may be liable for your willful non-compliance. I received a reply from XXXX, XXXX on XX/XX/XXXX, which is within the 15 days to complete the reinvestigation verifying the information as accurate but again for the second time no documentation bearing my signature for these student loans that I formally requested.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2017-01-19
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ENOVA INTERNATIONAL, INC. (TN)

On several occasions as a borrower, I have attempted to call both the local and head offices of this company, CashNetUSA, to find out what my balance was. I may have done this within just a few days of my last payment, but was told that information was not available to me. I would have to wait until the close of the next billing cycle in case there are " changes. '' I argued that there are changes all the time to the balances in my checking account, and the bank has no problem making those real-time immediate updates. 

During XXXX of my inquiries, when I wanted to know what my balance would be in about XXXX weeks from that date IF I did NOT use my flex loan amount to take out any funds from my account. 

I could not be provided that information either, but evidently the representative was slightly rattled and " almost ' '' told me what my balance would be on that date if n further transactions occurred. 

Seems t me if banks and credit card companies and and DO provide this up to the minute, real time financial data to it 's customers, there is no reason CashNetUSA could not do the same thing. 

What was the purpose, I wanted to know, in this " XXXX '' the company kept from it 's customers? As I saw it, the customer had the right AT ALL TIMES to know what their actual balance was. 

I got nowhere on any of my attempts and so I am brining my complaint to you. 

Frankly, I think CashNetUSA is taking liberties with the funds of its customers, but with so little forward and backward account documentation to go on, it is hard to tell. 

Is that perhaps, by design??
Consumer complaint received 2017-03-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

I own a second home that was financed through XXXX. I have been paying my mortgage directly to them for many years. I went to their website to get my year end statements for taxes and the account no longer existed. I call XXXX and at the end of XXXX and was told they sold my loan to Bayview Loan Servicing back in XXXX. I have never been sent any documentation from Bayview. I received a few phone calls from a women who asked me to call her back because she has good news, which I did not do. After speaking with XXXX, I realized that this women was from Bayview and gave her a call. She claimed I was 4 months behind on my mortgage and offered me to restructure the loan. Instead of a XXXX mortgage payment I can lower it to XXXX. My XXXX mortgage payment was in the XXXX range. I then asked her to email me some documentation and statements so I can review and respond. I still have not received any. I have called but no response. My situation is now I 'm in contract to sell the 2nd home and am afraid this will cause a problem. Not sure what to do. Thanks
Consumer complaint received 2016-10-24
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I had disputed a late payment in 2012 with capital one account ending in XXXX. I had done this before but never took the time to look into the statements or billing information until now. I uploaded all of the information I had and got notification that I was indeed correct and the 1 late payment would be removed. However it got removed off of XXXX ad then put back on. When I spoke with the rep. He said that I would have to dispute it again because the next billing cycle was updated and the credit card company is still showing the one late payment. I thought that was the purpose of disputing to have the incorrect information removed not put back on every time the credit card reports your payments. I am a single mom who is working full time and going to school. I have put a lot of time and effort into this dispute to now have to do this all over again. Please help me.Sincerely XXXX
Consumer complaint received 2017-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (TX)

Since 2011 I have held a XXXX XXXX XXXXXXXX XXXX Credit Card with CitiBank. I had loads of positive credit on my 3 credit files. The account is open, active and all positive credit. Last year I checked my credit file and the account was missing. I made MANY calls to customer service and each time I was told that they could not help. One time a lady ( XXXX ) said to not worry that she would sort it out. I still do not see any of my past credit. I want that all put back on all 3 credit bureaus. I can not get anyone to agree that this could have happened AND how to fix.
Consumer complaint received 2016-06-27
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo has a ***derogatory remark on my Credit Report***. I went through a bankruptcy that was discharged in 2014. MY HOUSE was NOT included in the bankruptcy! I have not missed a mortgage payment in 11 + years since I bought the house. This is stopping me from applying for a re-finance or another house purchase since I am looking to downsize. That remark needs to come off from Wells Fargo!!! Help me please ... .Thank you, XXXX XXXX XXXX ************None of those options below apply to me, not sure what to check off*****
Consumer complaint received 2016-07-13
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Fidelity Account Services LLC (PA)

These people call at all hours of the day repeatedly and are threatening to serve me with papers, I really do n't even know why anymore. I had an old debt, 11 years old that I thought was resolved by now but they wo n't stop calling. They are using my maiden name when they call and claim to have the last XXXX of my social, but I refuse to give them any information.
Consumer complaint received 2016-05-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: CCS Financial Services, Inc. (GA)

I recently contacted credit collection servic in XXXX, MA on XXXX XXXX to dispute a debt in collections. I spoke to a representative who was really rude and disrespectful to me. I informed the representative that I wanted to dispute this debt. After informing the representative of my request her tone of voice changed, she began to ask me many questions as if I was lying about the reasons why I wanted to dispute this debt. When calling a debt collection agency I do n't want feel intimidated by the representative. The representative acted as though she did n't want to give me the necessary information needed in order to dispute this debt. I would like for this issue to be looked into. If this issues has occurred with me I 'm sure it has happened with many other innocent people. This issue could possibly cause for legal action to take place.
Consumer complaint received 2016-12-01
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (NY)

XXXX / Synchrony bank does not disclose the amount due each month to avoid interest and fees. XXXX company customer service representatives confirmed that is a true. I hope we all misunderstand. It does n't seem this could be legal. 

For example, when I look at my monthly statement - there is no amount due that reflects the actual amount due now versus the amount deferred. 

This issue arises as a result of mixing deferred interest promotion transactions ( that offer 0 % interest for XXXX to XXXX months ) with regular transactions that must be paid monthly on revolving credit. 


Yesterday ( XX/XX/XXXX ) I called customer service to find what I owe on XX/XX/XXXX 
They told me the data was all on the statement but that customers must calculate what they owe by sorting through transactions with a calculator. I asked the representative to make the calculation for me. Her first answer was that I did n't have to pay anything ( incorrect ). I questioned that. 
Her next answer was that I had to pay {$350.00}. ( also incorrect ) I asked for a XXXX. 

The XXXX also stated that customers must calculate what they owe to avoid interest. She confirmed it is not printed on the statement. 

She calculated my balance for normal revolving credit transactions and said that I owed {$0.00}. 
But she then said I had to pay {$25.00} as a minimum payment. 
Thus XXXX conflicting answers in XXXX call - a consumer does n't stand a chance. 

I intend to pay the {$25.00} in good faith. 
But if XXXX owes {$0.00}, why would there be a minimum payment? 

Why does a consumer have to spend XXXX minutes or so calling customer service to find what they owe because it 's not on the statement? 
And then hope the answer is correct. 

I work hard to maintain good credit. 
It sure seems like a deceptive practice to make it this difficult to know what is owed.
Consumer complaint received 2016-06-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have a a unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number