davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

Select Portfolio Servicing, Inc. ( SPS ) has falsely responded to our request to provide an ORIGINAL Power of Attorney ( as required in our state of XXXX ), to accompany SPS 's invalid discharge and assignment recorded in our County in XXXX XXXX. We have requested this information, and document, through prior Qualified Written Requests sent to the CFPB and to SPS. Attached is email received from SPS and Power of Attorney ( POA ) sent to us. First, the POA is not original ( is from a filing in XXXX ). Second, the POA is granted to XXXX XXXX XXXX - which no longer exists ( date of the invalid POA is XX/XX/XXXX ). Moreover, we have repeatedly asked SPS, through Qualified Written Requests, to identify the name of the OWNER of the loan at the time SPS received our payoff check on XXXX XXXX, XXXX. SPS has not responded to our Qualified Written Requests, and continues to instead provide responses as to a " note holder ''. As the CFPB is aware, a note holder and owner of the loan are not the same thing. In fact, SPS account number does not match our original loan number. We request that SPS provide a valid original power of attorney, provide the owner of the original loan number, and provide the owner of the SPS account number. These loan/account numbers must match any original provided Power of Attorney to be filed in our County. The original loan number is XXXX ( see attached ), and the SPS account number is XXXX. Thank you.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MO)

Upon reviewing my Consumer credit report, I noticed that your agency has violated multiple regulations, entitling me to monetary compensation under FCRA 15 U.S. Code 1681s2 and 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Specifically, your agency furnished reports in connection with credit or insurance transactions that I did not initiate ( inquiries ). 

According to the law, a consumer reporting agency may only provide a consumer report for credit or insurance transactions not initiated by the consumer if : ( A ) The consumer authorizes the agency to provide the report, or ( B ) ( i ) The transaction involves a firm offer of credit or insurance.

Furthermore, except as provided in section 1681g ( a ) ( 5 ), a consumer reporting agency can not furnish records of inquiries related to such transactions that the consumer did not initiate.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ), if a person obtains a consumer report under false pretenses or knowingly without a permissible purpose, they are liable for actual damages suffered by the consumer or {$1000.00}, whichever is greater. Additionally, punitive damages may be awarded by the court.

NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.
Consumer complaint received 2016-08-06
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (NY)

I am only intermittently able to access the synchrony bank website for dicks sporting good. Out of the last 7 days I have only been able to access the online portal 1 time yesterday, using the correct user name and password. I am told every time that my username was n't recognized but I have typed it in correctly and it 's the email that they send all my information to. I also tried to use my account number to reset my user name and password and it was not recognized either. When the website is working I use that same user name and password and it works, the first time. I even mailed in my payment to ensure it was received by the payment date but now that it 's my payment date I am unable to log onto the website to make sure. They do not have any message up that saying that the website is down. This seems more like a systematic thing keeps happening to deny consumers routine access to the only free way for me pay the bill. If I am unable to make sure my payment was recieved today and pay it again if it was not yet, I will be charged a {$35.00} late fee and my interest rate will go up.
Consumer complaint received 2023-04-03
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. (NV)

I have sent in two rounds of my FTC report and have accounts still remain and have not been fully validated. 
Transunion
Consumer complaint received 2023-06-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIRST HORIZON BANK (MS)

About 2 years ago my First Horizon account was hacked and the person dropped a fake check into my account, i dont remember the amount but it was over {$1000.00}. After they dropped the fake check into my account my account was locked and i never talked to any one about it.
Consumer complaint received 2016-09-13
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL (TN)

I applied for a XXXX Credit card through Synchrony Bank in the middle of XXXX 2016. I was denied credit and later sent a letter dated XXXX/XXXX/2016 in which it reported i was denied because of " Bankrupcy Proceeding, credit Counseling or Creditor Settlement ''. It said its decision was based on information from XXXX. I contacted transunion and they report that Synchrony Bank did pull my credit BUT that there was none of the above information listed on my credit report that I was denied. I then call and talk to Sychrony Bank and they cant give me a reason for denial but then one agent reported that the credit bureau denied me which is false because that 's not how it works. No one including supervisors could tell me an accurate reason for being denied credit.
Consumer complaint received 2016-02-19
Product: Credit card — 
Issue: Late fee — 
Company: Continental Finance Company, LLC (NV)

I would like to file a complaint against Verve MasterCard Company, due to the extremely high late fees and interest rate. I have tried to contact these people to work that out and it looks like every month they are taking on over hundred dollars worth of fees that is way too high for any credit card I own for credit cards and none of them is this high, please help!!!
Consumer complaint received 2015-09-24
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

My rental home has been in a short sale for 7 months and the company that bought my loan out from XXXX is SPS portfolio managing. Both companies have made the processing time on the sale of this home unbearable. They have had several offerss and a XXXX where offers began and they have still found every reason to not allow this loan to close. They never give me nor the title company involved the same or correct information. I have emails strings that go on for months about contacting the company and what they say they need in order to close this loan, yet they have not be efficient or effective in communication with myself, and the closing company.
Consumer complaint received 2016-07-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services (TX)

I recently notified Mercedes Benz Financial Services that they had not updated my balance with the credit reporting agencies in months. They responded to my email and stated that they would update my credit reports to reflect my current balance. Today, I checked my credit reports and Mercedes Benz Financial Services updated my credit reports to reflect that my CURRENT balance was {$53000.00} which is higher than what I even purchased the car for. I have made all payments on time and my correct current balance is a little over {$49000.00}. After MBFS updated my credit reports with this incorrect balance of {$53000.00} my credit scores dropped as much as XXXX points. I called MBFS and the agent did not understand what I was complaining about. He was very rude and condescending. It is apparent that MBFS simply does not care. 
How it is possible that the balance MBFS reported in XXXX 2016 is {$50000.00} and in XXXX 2016 it is {$53000.00} with perfect on-time payments? Please see attached report from XXXX reflecting this.
Consumer complaint received 2015-06-26
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Rocket Mortgage, LLC (MI)

Quicken Loans ( NMLS # XXXX ) advertised ( advertises currently ) a program for a {$500.00} rebate for my company 's employees that close their loan with quickenloans. I visited the quickloans website via their special link and proceeded to shop loan programs. After some time reviewing, I clicked on the pop up to chat and was connected with XXXX XXXX XXXX : XXXX. I shopped loan programs and he asked if he could arrange a phone call. I informed him that I saw their special offer on the company intranet site and was interested in getting pre-approved to buy a house. I met all the criteria in the fine print, and eventually found and closed a house. I confirmed at several points both via email and phone that I would be getting the rebate. I emailed XXXX and he replied that he would look into it for me. A XXXX later I still had not heard back. It has been almost XXXX months since I closed on my house and I still do n't have my rebate.
Consumer complaint received 2016-02-15
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (NJ)

Account closed due to inactivity. However, there was no notification sent that this action would be taken. Synchrony Financial can not produce documentation that states that an account will be closed without disclosing the intention to the account holder first. 

In fact, my account had a debit balance that I was going to utilize. However, I can not use the proceeds as the account was closed without my permission nor notification.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2017-01-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: SYNCHRONY FINANCIAL (FL)

Customer service would not help and take care of the negative inquiries reported to my credit report. My employer provided me with a letter stating that someone had filed unemployment under my name and social security. At that time i checked my credit report and I seen a lot negative inquiries that I do not know anything about, and would like removed.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2015-07-15
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAVALRY INVESTMENTS, LLC (CA)

This is a debt that is over 6 years and Cavalry Portfolio Services is attempting to collect. This debt is owed by an authorized user and not myself. They have been calling numerous of times on my cell work phone number. I 'm a XXXX and calls like this interrupt my type of work and also put me in danger when I 'm receiving unnecessary calls like this.
Consumer complaint received 2016-06-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Credit Protection Association, L.P. (DC)

I have repeatedly sent this company written proof that this alleged debt was the results from identity theft, and they will not validate the alleged debt, but continued to make threats to me that they are filing a court case against me if I do n't provide them with a credit card for payment today.
Consumer complaint received 2017-01-20
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAVALRY INVESTMENTS, LLC (OR)

My daughter has a collection agency that has garnished her account and that of her minor son. My grandson 's account was opened by me and all monies have come from me not her. She was put on the account along with me when he was an infant. I thought I had removed her but can not find any supporting documentation to prove this. On XXXX XXXX, 2017 the collection agency stripped his account of almost {$2800.00}. My daughter is XXXX and has XXXX. Pay Pal gave her a credit card even though she had n't had a job in over 10 years and was on public assistance and food stamps. They gave her a {$5000.00} limit. I believe this is predatory lending. She has no clue about finances and I was unaware of what had transpired. I do n't believe my grandson should have his money taken away.
Consumer complaint received 2015-10-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC (OH)

Some 5 to 7 years ago I received a telephone bill from XXXX for {$370.00}. I paid the bill in full. Years later I received a collection notice that I owed XXXX {$370.00}. Not wanting to ruin my credit rating, I paid the bill AGAIN! Now I have received another collection notice from a different collection agency, stating I owe XXXX {$370.00}.
Consumer complaint received 2015-06-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TX)

I receive an " updated '' status from XXXX instead of a deletion. I originally disputed a series of student load delinquencies ( XXXX ) on my XXXX, XXXX, and Equifax credit scores. I have only missed XXXX payment to XXXX ( XXXX XXXX XXXX ), which is now paid to date, and they chose to report this late payment XXXX times to the credit company. I have a fairly good score prior to this happening and I want to have it corrected as soon as possible.
Consumer complaint received 2015-10-12
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Hameroff Law Group, P.C. (UT)

A letter for debt collection was sent to me from the Hameroff law offices dated XX/XX/XXXX. In response, I mailed a letter ( certified ), dated XX/XX/XXXX, in which I requested not to be contacted about this debt any further. The statute of limitations for legal action on this account has passed. I have not made any payments on this debt since at least XX/XX/XXXX. In this letter, I stated : " Let this letter serve as notification that I do not wish to be contacted about this debt any further except to be notified that future collection efforts are terminated. Any other communication regarding this debt will be taken as a violation of the Fair Debt Collection Practices Act. " I received another collections letter from them dated XX/XX/XXXX. Nowhere on this notice does it say anything their confirmation of my request.
Consumer complaint received 2015-09-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Bonneville Billing and Collections (ID)

Had physical therapy at XXXX in XXXX and XXXX 2015. I entered into a payment arrangement with them although I paid my {$20.00} co-pay each time. My Blue Cross insurance has a {$750.00} deductible. XXXX XXXX contacted me several times with an amount of {$980.00} amount owed. I repeatedly told them I have a {$750.00} deductible and that can not be right. I asked them to check with Blue Cross. They refused every time. I contacted Blue Cross and was told that my deductible had been met and they should send the amount to them. I repeatedly told this to XXXX XXXX and Bonneville but they refused to listen or take action. They are demanding {$980.00}. 
My son ( XXXX years old ) also did physical therapy with them. They have been demanding {$660.00} from both me and him even though his {$750.00} deductible was more than met when he had surgery on his XXXX. The worst part is that my credit report shows a derogatory balance of both my son 's {$660.00} and my {$980.00}. First, I am not responsible for my son 's debt as he is over XXXX years old. It should not be on my credit report. Also, there should not be an amount owing for my son as his deductible was met and he paid his co-pay each time. I have contacted Blue Cross. They said I should not owe anything to XXXX XXXX Physical Therapy because I met my {$750.00} deductible also. Bonneville Collections has put XXXX things on my credit report that should not be there. It has hurt my ability to get credit.
Consumer complaint received 2016-07-29
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: DISCOVER BANK (NJ)

The problem is with Discover bank debit card. It is going for 6 weeks and not yet resolved. Every time I call they are not able to give me any time estimate for the resolution. Each time they tell me that finance department is working on it. There are 2 transactions dated XXXX/XXXX/2016 in the amounts of {$4.00} and {$4.00}. These are not valid transactions. They are not able to give any information on these transactions. 
Their phone number is XXXX. My last contact was with supervisor XXXX. The debit card is associated with checking account that ends in XXXX.
Consumer complaint received 2016-03-25
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: General Credit Service Inc. (OR)

There is XXXX judgements on my credit report which have been paid in full. This judgement was paid in full a little over a month ago and is still not showing the judgement released, but again the company itself is showing account paid in full. This is preventing me from obtaining a home loan and I have asked the companies personally to take care of this issue previously. I was told that I needed to dispute with on my credit report and I have done that twice now and the judgements are still not showing released. I have took the time and taken care of this debt and I would appreciate the companies compliance in regards to releasing the judgements on record.
Consumer complaint received 2015-10-26
Product: Debt collection — Mortgage
Issue: Communication tactics — Threatened to take legal action
Company: Dovenmuehle Mortgage, Inc. (CO)

I have been trying to get my mortgage caught up with XXXX 's debt collection company for over two months, Dovenmuhle Mortgage Inc. Every time I speak with different people, I am told different things, I sent letters and no calls returned.I sent a modification package. Nothing done. I received a letter from attorney two weeks ago. I was told by law firm they ca n't give me information. Call Dovenmuehle and they wo n't give me info until I submit letter to reinstate, which I mailed on XX/XX/XXXX and submited by fax. Now I receive a letter from an attorney that they are foreclosing on my property even though I have tried to work with them to catch up my mortgage.Now I am having to do a Notice to Cure with XXXX County. XXXX/Dovenmuehle received my check and letter but not deny getting anything else from me!
Consumer complaint received 2016-06-14
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

XXXX XXXX, XXXX Complaint against Capital One Bank On XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX a person named XXXX from XXXX repeatedly called me numerous times from no reason. This person just want to harass me. He left several harassing voice mail which I did NOT answer. On XXXX XXXX, XXXX I answered this person regarding the stolen funds at Capital One bank since XXXX XXXX, XXXX and XXXX XXXX, XXXX by a theft XXXX XXXX. I clearly told this person named XXXX representing Capital One Bank to return my stolen funds including the following terms and conditions : Acct : # XXXX Date of lost funds : XXXX XXXX, XXXX & XXXX XXXX, XXXX Amount : {$79000.00} Interest Charge : 20 % based on the lost principle Late fee : {$100.00} per month Collection Cost : {$150.00} for XXXX times branch visit Time to Spend to Collect : XXXX hours at {$200.00} per hour Total {$2800.00} Pain & Suffering : XXXX I also complained to this person that my deposit was NOT safe at all. I further told him that I brought this theft matter to the US Court House and I will NOT let this theft matter go because I sent numerous times written complaints to this bank and visited at least XXXX times local branch to collect the stolen funds. However this bank totally ignore my request by stating " it is n't possible to resolve this matter through secured message channel ''. As customer, the correct channel is to contacting customer service by secured message plus I did file fraud claim with bank since XXXX XXXX. My position never change to collect this stolen funds as this bank can not release my money to a theft and stranger XXXX XXXX who was NEVER authorized on my behalf to do anything. Once again, I do NOT know XXXX XXXX. I never authorized her to do anything nor I hired her to do anything. Therefore she has NO any reason to steal funds from my account.