davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-07
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: Experian Information Solutions Inc. (TX)

I have collections on my account that shouldnt be there. I have contacted them several times to remove the incorrect items because it is hindering my life but I Havent had a response yet. I havent received any documentation in writing about any of theses accounts and I dont know what they are. They should be removed.
Consumer complaint received 2023-02-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

I have attempted to contact the company on numerous occasions to discuss the debt. This debt has been removed from XXXX and XXXX but still lingers on XXXX. I don't owe Midland Funding any money nor have I signed a contract with them informing that I owe anything.
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAVALRY INVESTMENTS, LLC (CA)

Please stop contacting me via phone, fax, text, or email. All communication should be sent to me by USPS certified mail. Any other form of correspondence will be rejected or refused. 

CAVALRY PORTFOLIO SERVICES XXXX
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (TX)

As an XXXX XXXX XXXX VETERAN, My Fair Credit Reporting act consumer rights have been violated. I am deeply concerned by the acts of these companies and how they have portrayed me with the constant violations reported on my credit report. It has brought great shame to me and my family. My life since coming back XXXX XXXX has been in shambles with the loss of family members, COVID, AND dealing with XXXX XXXX XXXX XXXX ( XXXX ). I am unable to live a regular life due to these acts. 


The account listed below has violated my federal given consumer rights to privacy amongst other things. 


Account name XXXX XXXX XXXX XXXX XXXX Account # XXXX Account name- XXXX XXXX Account XXXX XXXX Account name- XXXX XXXX XXXX  Account XXXX XXXX Account name- XXXX XXXX Account # XXXX Account name - XXXX Account # XXXX 15 USC 1681a ( 2 ) ( a ) ( i ) states that consumer reporting agencies can furnish a report under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report.

15 USC 1681 section 602 A ( 4 ) states I have the right to privacy. ( My privacy has been completely ignored as these companies contact me via phone, Email & mail in order to garner attention to these accounts Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states 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 undermined public confidence with is essential to the continued function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to XXXX, XXXX, and XXXX violating my consumer rights by allowing these late payments/utilization/chargeoffs to report to my consumer report!
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

XXXX  Account # XXXX, also known as XXXX AND XXXX, has violated my rights following the Fair Credit Reporting act. 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 : A consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX Report date : XX/XX/2022 Amounts = XXXX XXXX XXXX XXXX XXXX Report date : XX/XX/2022 Amounts = XXXX
Consumer complaint received 2023-10-30
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. (OH)

on XX/XX/XXXX XXXX  XXXX made an unauthorized inquiry on my credit report without my permission, so did XXXX XXXX  on XX/XX/XXXX. i contacted both companies and XXXX, equifax and XXXX. i informed them that i have never had a credit in my entire life and that i've never applied for credit either and that i'd like them removed.There has been no permissable purpose. because i've never applied for credit, had a credit profile, or gave anyone allowance to check, or report any information on me to anyone, or company
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act this Account has violated my federally consumer rights to privacy and confidentiality under USC 1681 XXXX XXXX XXXX XXXX account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681s -2 ( a ) ( 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Consumer complaint received 2019-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

When Mr. Cooper suddenly and abruptly took over from Seterus of our loans their improper handling of both the transition and later messing up receipt of monthly payments has been out-of normal. Unlike Seterus, there is no way to straighten thing up with anybody or any office. Consumer must doing things their way ( putting up with mistaken overcharges ), or otherwise ( foreclosure ). I only want them to straighten their records by fixing their mistakes ( denying have cashed my payment checks ; contrary to my bank 's record ). Aleast ive me a chance to send them copies of cashed checks.
Consumer complaint received 2016-04-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (FL)

The home loan was transferred from XXXX to Caliber Home loans in XXXX XXXX. In XXXX XXXX, XXXX Caliber Home Loans filed a motion to cancel the foreclosure on my XXXX real property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX loan number XXXX. I made application for a loan modification. Despite the servicers motion to cancel the foreclosure sale the foreclosure sale was held by surprise. I have attempted to save my primary residence for my XXXX children. I have been told I have to vacate the house now. When I asked about relocation assistance monies and a move out date I was not given an answer. There is a pending appeal and pending eviction. The appeal attorney name is XXXX XXXX XXXX XXXXXXXXXXXX The eviction attorney name is XXXX XXXX XXXX XXXX. My first request is to follow up with the loan modification. My second request is to be given a XXXX XXXX, XXXX move out date with relocation assistance.
Consumer complaint received 2018-06-02
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: Experian Information Solutions Inc. (NV)

Recently XXXX and XXXX  has had a breech where thousands of consumers information got into the hands of others. I have been a victim of identity theft provides police report. Contacted Business to show proof I gave permission for them to pull my credit and still no response. I need these items removed from my credit immediately or either show proof that I requested. I did not authorize anyone to pull my credit.
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One has fraud restricted my account. I had a large refund hit my card due to a return, and Capital will not give me back the negative balance now on the credit card. An amount of {$2800.00} Details : Late 2022 I tried to purchase an XXXX at my local XXXX XXXX in XXXX NY using my Capital One Quicksilver card. I was flagged for fraud and the transaction was blocked. 

I called up Capital One immediately in the XXXX store. I was asked to upload a picture of my license. I did that, however the lighting conditions in the XXXX store are sub-optimal. Many overhead lights causing reflections. The id was not verified by Capital One 's systems and i was not allowed to proceed with the purchase The next day I called up again, I was asked to go through verification and upload my license pictures. I followed instructions and uploaded clear images. Once again Capital One 's system did not verify my identity. I was then permanently blocked from using the account with no option for a resolution. I offered to go in person to a branch with my license and passport for verification. I was told that Capital One 's systems/processes don't allow this. 

As the account was in-operable. I told them to close it. 

Following these events I received a large refund onto the card from a purchase I had made and then returned. After calling Capital One many times, they have not sent me a check for the amount they owe to me of {$2800.00}. They have offered no way to provide me with the money even though they repeatedly stated that they can not hold onto those funds.
Consumer complaint received 2023-02-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Transfinancial Companies, Inc (LA)

I originally corresponded with Transfinancial Companies on XXXX2022 requesting proof of contract, all original documentation with my signature, also providing a contractual obligation directly between myself & Transfinancial Companies and I have not received it. Transfinancial Companies is reporting that I owe a " Medical Debt '' to them for the amount of {$1100.00}. I have NO contractual obligation to Transfinancial Companies, never the less a medical debt obligation. This a clear breach of my Hippa rights. Transfinancial Companies should NOT be in receipt of my medical information, nevertheless reporting to my XXXX, XXXX XXXX XXXX reports such a fraudulent medical account.
Consumer complaint received 2023-01-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: American Financial Network Inc. (FL)

I'm being approved for the XXXXXXXX XXXX XXXX for 17 futures mortgage payments. This is a federally funded and regulated program - overseen by the U.S. Treasury. Mortgage companies and are required to comply with guidelines set forth by the Federal Government in terms of reporting and communication. XXXX are sending the bulk checks and they aren't applying on time to my account. As of today, my XXXX payment is past due because they aren't applying the payment on time. They send me a letter letting me know that I'm past due but in reality, I'm not because they had my monthly payment the problem is that they are holding it back. It's a nightmare every month dealing with late fees that are unfair since the payment arrive on time. On XX/XX/XXXX XXXX sent the check for XXXX payment. The mortgage company applied the payment on XX/XX/XXXX more than 30 days after multiples calls and emails. On XX/XX/XXXX XXXX send the XXXX payment and as of today nothing is applied in my account. This is so frustrating because they cashed the checks but not apply the payment to the mortgage loan. Charged late fees and reported to the Credit reporting agencies when in reality the checks get on time to the company. Why if they are sending the payments on time, it is taking more than a month to be applied in my account???
Consumer complaint received 2022-10-07
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. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-01-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE (GA)

I am filing a complaint against Barclay Credit Card Company, which is a creditor of my deceased husband XXXX XXXX, who was a cardholder of Barclay Credit Card ending # XXXX. The debt on the card was {$2000.00}. My husband could not appear in the court hearing due to being held in XXXX XXXX XXXX XXXX and the judgment was passed against my husband to put a lien on my property. My husband was mentally and physically XXXX and surviving on a disability income. Anyhow, my husband passed away on XX/XX/XXXX. I want to sell the property, but I can not sell the property because of a holding lien by Barclay. I want to pay out the debt balance and request Barclay to remove the lien on my property. I have been contacting Barclay since XX/XX/XXXX. I am offering to pay off whatever the debt balance is in the statement, but it seems that Barclay does not want to recover the debts and resolve the issue. They put me in the circle for two months by directing me from one department to another then one collection agency to another and lawyers etc. Then they asked me to fax the required documents. I faxed the documents to Barclay several times, then they asked me to mail the documents. I mailed the documents and they have received the documents. Then they directed me to a lawyer to discuss the case. when I spoke to Barclay Lawyer, he said that he has been waiting for Barclay to send him the statement for over XXXX weeks, but they did not send him the statement yet. When I called Barclay and asked why they did not send the debt statement to their lawyer, they have no answer to tell me the reason. It has been over XXXX months since I have been calling them every alternative day and every time they make lame excuses. I don't know why they don't want to resolve the issue when I am ready to settle the case. I have had a buyer waiting for my property for XXXX months. I am afraid that the buyer will give up on purchasing the property and cancel the deal. The property is not in good shape to find out another buyer easily if I lose this buyer. After XXXX months of contacting Barclay, I feel helpless/hopeless and CFPB is the only hope who can help me by investigating Barclay. Please inquire about this case as soon as possible, so that I would sell the property. I shall be grateful to you.

I look forward to hearing from you soon.

Thank you for your time and consideration. 
Regards, Sincerely, XXXX XXXX XXXX XXXX email : XXXX XXXX
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (FL)

Commenity Bank XXXX XXXX XXXX XXXX, Oh XXXX In XXXX XXXX I notified customer service that I'd been directly impacted by Hurricane Irma and both my county of residence ( XXXX ) and employment ( XXXX ) had been federally declared National Disaster Zones. Commenity Bank offered to place my account in forbearance between XX/XX/XXXX - XX/XX/XXXX during which time payments would not need to be made, interest wouldn't accrue, late payments wouldn't be assessed and negative credit reporting would not occur. XX/XX/XXXX I recontacted customer service to inform them that I was still in a financial burden with having to pay for insurance deductibles that was caused by the storm and not qualifying for FEMA assistance. At that time, they offered an extension of the forbearance from XX/XX/XXXX - XX/XX/XXXX, with the same benefits offered as before. When billing reoccurred in XX/XX/XXXX, I disputed the amount owed because it contained late fees and accused interest for 6 month forbearance period. I escalated my concerns to the Customer Service Manager in XXXX when these same charges were being improperly charged. This continued through XX/XX/XXXX at which time they reported my account as a charge off status, reported all payments from XX/XX/XXXX - XX/XX/XXXX as not paid and serious delinquencies to all three credit reporting agencies and sold the original account that was still for the disputed amount to XXXX XXXX XXXX in XX/XX/XXXX and they continue to report collections and serious delinquencies until current, XX/XX/XXXX. This has drastically affected my financial ability to recover and continues to impact my credit scores and livelihood. I believe they fraudulently charged off the account and sold it to XXXX XXXX XXXX because they were unable or unwilling to honor the original forbearance guarantee. I have disputed this with Commenity Bank, XXXX XXXX XXXX, XXXX, XXXX, and XXXX to no avail.
Consumer complaint received 2018-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

I lost my phone and wallet on XX/XX/XXXX. After three days my cell phone was returned to my place of work but no wallet was returned. So I called Chase to cancel my card but was unable due to the fact that I did not have my card or account number readily available. I proceeded to go into Chase the next day and report my card stolen and to stop any transactions that had taken place and immediately file a claim. While in the bank and reviewing my statements we found many unauthorized transactions had taken place, numerous withdrawals were made earlier that very day. On XX/XX/XXXXthe unknown party deposited two checks ( # XXXX and # XXXX ) totaling {$5300.00} into my account. Later that day they proceeded to withdraw {$1400.00}. On XX/XX/XXXX they withdraw {$1400.00}, {$500.00} and sent a quick-payment of {$2000.00} with XXXX through my Chase.com account to an individual named XXXX XXXX who I've never met. I then filed an identity theft report with the XXXX XXXX XXXX XXXX XXXX  police department. After weeks of waiting I followed up with Chase to learn that they had denied my claim due to the fact that the party involved had used my pin number to access my account. After about 3-5 separate calls to Chase 's fraud department they told me that there was nothing else they would do about the situation and that I would now have to followup with an outside agency. After asking 3 different representatives of Chases 's fraud department they insisted that they could not even provide me with the name of the agency that I needed to speak with and just keep insisting that I speak with an agency outside of Chase bank. I thought this to be horribly unprofessional as I was already in a stressful situation and was just looking for a way to recuperate my losses. I reopened the claim and received a temporary reimbursement. After one week they reversed the money again to make my account negative {$4900.00}.
Consumer complaint received 2016-12-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (LA)

Our home flooded XXXX XXXX, 2016. We submitted a claim with our Flood Insurance and was paid XXXX in damages. The check was written to us and Ocwen Loan Servicing, LLC ( our mortage co ). ( loan no. XXXX ) ( XXXX ) We contacted Ocwen and was put through to their Loss Draft Department. We were told what documents were needed to get draws from our account. We have repeatedly submitted ALL REQUIRED documents and Ocwen has paid out XXXX as of XXXX. We submitted 3 estimates to be paid on XXXX XXXX. We have called several times a week to check the status of the checks. We are told EVERY TIME something different, ie. XXXX documents now rejected, adjuster document rejected ... They have ALREADY paid out on these contractors bills, how are they now rejected? We are then told our " request for payment '' will be sent to be approved, then we are told are request was approved and check submitted only to NOT receive the check. We paid a fee to have ALL payments overnight mail to us. We call the next day and are once again told the exact same thing, from the rejected documents, to its going to board for approval, to it will be sent out with note to rush the process, etc etc. We CAN NOT have our home repaired and completed if Ocwen holds our insurance money and does not pay out to our contractors. We are homeless and just want to go home. This is OUR Insurance money, NOT Ocwens money. How can they NOT pay out when we have complied with their policy, rules and regulations.
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Neon Newco Corporation (NY)

I purchased a netspend prepaid card for {$100.00}. 
I tried using it on XXXX a couple of times but my payments did not go through. 
I went online today to confirm that the XXXX purchase I made today went through and I noticed that not only did my purchase not go through but I was being charged an inactivity fees of {$5.00} for the past 2 months. 
I called to try and resolve this but both customer service reps and the supervisor I spoke to told me they could not access my account nor could they give me the balance of my account back. I want others to know they should stay away from this company. As far as I can see all they want to do is scam you out of your money
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In a consumer credit transaction, I the beneficiary asked for a {$100000.00} dollar credit card, and an {$150000.00} dollar auto loan, both of which I was denied, mentioned several factors for denial, but none of which are a determining factor, because I am the original creditor and bank of america as a trustee has a fiduciary duty and obligation to put the beneficiary interests above all else, and extend credit when requested, 15 USC 1611 15 USC 1602 ( l ) 12 USC 1431 12 USC 408 15 USC 1681 FEDERAL RESERVE ACT-APPLICATION IS THE COLLATERAL