davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (MA)

I had an account with Westlake Financial Services, a Company base out in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have made several dispute on false credit report on my account and some deleted or resolved and I was pleased with the out come. 
I noticed that my credit score which was XXXX has dropped suddenly from to XXXX upon checking my report on XXXX, I noticed that Westlake Financial Services has falsely reported that I made late payments in XXXX and XXXXXXXX XXXX XXXX  meanwhile this loan was paid off on XX/XX/XXXX with a check. When I disputed report, the company resolved the issues by correcting the deleting the on fair report. Even though the damaged was already done but I was satisfied. A week later, this same company again reported that I did not pay my XX/XX/2022 installment payment and my account was passed due for 72 days. This was again false information. For the particular dispute about late payment in XXXX XXXX XXXX, I disputed it 4 times through XXXX and spoke with Westlake Financial Services more than XXXX times and some of them assuring me that it will be corrected. I have explained to this company that, the report was hurting my plans to get a home for my family. The same month in XXXX, I paid toward my loan on XX/XX/2022 which is evidence in the statements you will find attached. I have made successful payments for more than 2 years without 30 days pass due. Yes, I was not paying on time but I made sure the payments were not 30 days pass due. 
I have the data and the record to support my claim. I called this company several times on XX/XX/2022 missing my classes for more than five hours to obtain information on how to file a complaint about the company and spoke with two managers and 6 regular employees and none was able to give me the information I needed. They hung up the phone pretending to transfer the calls.
Consumer complaint received 2022-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WI)

I refinanced my home through XXXX and XXXX XXXX XXXX I was sent checks from XXXX to pay off credit accounts. Two of the checks were for Chase bank credit accounts. Chase paid off one account and deposited the other check in my checking account. Then, they closed the checking account and suspended my funds for the second check. XXXX, XXXX and myself have all made unsuccessful attempts to retrieve my money, to no avail. Chase says that XXXXXXXX XXXX XXXX must be registered in their system to field any calls. We all tried several different numbers, but Chase claims XXXX isn't a legitimate business. Yet, they cashed and paid off my first credit account.
Consumer complaint received 2020-08-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (AZ)

Nationwide collection keeps harassing my phone. They call everyday from different numbers. I do not have an account with these people and on my honor I have no debt so I dont know why they are harassing me. Never had an account with them. These are the numbers they have called from : XXXX XXXX XXXX
Consumer complaint received 2020-08-13
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Just spoke with a customer care person approximate a XXXX XXXX   today Select Portfolio Servicing XXXX XXXX she read to me the letter they sent to me on yesterday stating that my mortgage was always a Conventional mortgage loan XX/XX/XXXX which is false It was always a FHA  mortgage loan and only can be sold as a FHA   mortgage loan.Some one refinance my FHA  mortgage loan to a Conventional mortgage loan. I was not in default Of the loan which was current and was current with mortgage insurance with FHA. The Florida Housing Administration paid on my mortgage XXXX to XX/XX/XXXX therefore I always had an FHA mortgage loan never changed it. How did my FHA mortgage mortgage loan get refinance to an Conventional Real estate mortgage loan In XX/XX/XXXX when Florida Housing Administration ( FHA ) was paying on my mortgage loan? And the Appraiser property office staff person stated to me that the folio number and instrument number was alter/changed from the original number thats in the court docket thats under confidential for the XXXX property taxes. and personal do not make mistakes to those numbers, Its in the court location docket where the public can not review it, only staff personnel has access to those confidential documents. Also when I first spoke with the customer care person she said that my loan was set up for attorney review to take action for payment I take this as a threat or retaliation because Im only XXXX  days past due for XXXX XXXX. And she continued to ask me when will I get this caught up and I explain to her I am still in a dispute and this is still not resolved. And furthermore I read on your website that you have be at least 120 days late before they can take any action and while there is a dispute they are not to be harassing you or threatening you about payments.
Consumer complaint received 2022-11-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCF Intermediate Holdings LLC (TX)

I am getting letters from Speed Cash regarding a debt I know nothing about. The past letter dated XX/XX/2022 says amount past due is {$1100.00}. They are also threatening to send this to a 3rd party collection.
Consumer complaint received 2020-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX   XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau XXXX CFPB XXXX portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Hi capital one XXXX really asking you can you please remove my late fees through the privacy rights I really have some hard times in my family and helping my loved ones and I fell back behind please Im gon na write you a copy of the privacy rights the account capital one and accordance with the fair credit act 9105 has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

11.8K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end XXXX consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR 164 EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTI This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' immediately. 
After doing so please provide me with an updated reflecting please sincerely, XXXX XXXX
Consumer complaint received 2022-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (WI)

Online payments are not using the account selected. I have 2 banking accounts entered for my card payment ( s ). This has happened multiple times over the past year. I am extremely careful to select the appropriate account, however when the payment is made the account is changed to the secondary account I have on file. 

This is creating overdrafts and issues with my other bank. Today my mortgage payment will bounce due to the issues with Elan 's website. I want this repaired as well as reimbursed ALL charges, interest associated with the website malfunctioning. 

When I called today I spoke to 2 people and they both told me it was my issue that I didn't select the correct account. I know for a fact that I selected the appropriate account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and make a payment. The only response I got was there is not way this can happen. XXXX XXXX XXXX I know glitches are possible and as a XXXX I know for a fact there is a glitch and the system did not use the account I selected. 

I am tired of having overdrafts at my bank because Elan Financial refuses to fix this problem. The confirmations from Elan when a payment is schedule only state payment has been scheduled. There is no confirmation number or account used. You only receive a msg stating your payment has been scheduled. 

Most recently amounts taken from the incorrect account are : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-13
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. (KY)

Their is an account being reported to my credit and it does not belong to me. This account is stopping me from buying a home. The account is listed below. 


Name on account XXXX XXXX XXXXXXXX XXXX Opened XX/XX/2017 Account number # XXXX Balance {$24000.00}
Consumer complaint received 2020-08-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (FL)

XX/XX/2020 XXXX XXXX XXXX  a/s/o CACH LLC CC : XXXX XXXX XXXX XXXX XXXX, XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : CASE # XXXX ( XXXX ) To Whom It May Concern : I wish to dispute the following charges that your company is attempting collection of : XXXX XXXX XXXX XXXX XXXX, XXXX ACCOUNT # XXXX I am disputing the charges for the following reason ( s ) : XXXX XXXX XXXX XXXX CACH LLC have alleged that I owe an undisclosed amount of debt. However, I did not receive any notice of debt till I received notice of garnishment from my employer XXXX XXXX. I have contacted and spoken to Mrs. XXXX, whom she could not explain to me the debt that I have owed. She explained to me that she will have the attorney contacted me in a few business days. After 4 business days and no contact was made I called XXXX XXXX XXXX XXXX XXXX and spoke to an attorney from the law firm whom did not give me his name explained to me that he did not need to disclosed any debt information and he did not want to settle any debt and for me to use XXXX information to find out myself. I have chosen to pursue my own attorney for assistances, and I will be sending a copy of this letter/ complain to CFPB. 
I have also attached an excerpt from The Fair Debt Collection Practices Act and would like to remind you that XXXX XXXX XXXX XXXX CACH LLC must now provide me with proof of this debt for you to continue to collect this debt.
Consumer complaint received 2020-08-13
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. (DE)

I co-signed a XXXX XXXX  loan with XXXX XXXX, my borrower who is currently in schools have the school sent a confirmation letter to lender of his current status ( student ) so as to stop making payments and activate a deferment on the account. XXXX XXXX denied the receipt of the request ( which they later confirmed while on a call with XXXX XXXX representative ) and report a delinquency to the credit bureau knocking 50 points off my credit score.
Consumer complaint received 2020-08-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I am filing a complaint against Bank of America, regarding mortgage payment process. I am enrolled in Bank of America Pay Plan 24. My LOAN # is XXXX. This plan splits my payment amount by electronically deduction from my checking account. On the XXXX and XXXX of each month a payment {$620.00}. My total monthly mortgage payment is {$1200.00}. On XX/XX/XXXX my mortgage payment in the amount of {$620.00} did not process out of my account. I called at XXXX XXXX ( 32m 22s ) and again that day at XXXX XXXX I was told that BoA had a system update and my mortgage payment would process out on XX/XX/XXXX. That really appeared odd. The reason I called later that evening, well on XX/XX/XXXX my payment still did not process. Multiple calls I was on hold upwards to 1 hour then the call dropped. Call again, on hold upwards to 1 hour 57 minutes to no avail getting through to the mortgage department. On Monday, XX/XX/XXXX the payment still did not process out. I went into a bank branch and paid my mortgage in the amount of {$1200.00} confirmation # XXXX. On XX/XX/XXXX, the payment is NOW processed in the amount of {$620.00} from Bank of America. This is causing tremendous finanical stress as I have other automatic bill pays attached to this account. I am in fear checks will not clear because of this error. Also, the second payment will post on XX/XX/XXXX for {$620.00}. I have attempted all this week as well to contact Bank of America. Actually, I am on hold now for the second time this morning still to no avail. I need Bank of America to reimburse/reverse my account in the of the double payments.
Consumer complaint received 2024-04-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BMO Bank, N.A. (IA)

On numerous occasions, I go to XXXX 's XXXX XXXX XXXX authorize a payment to my business credit card through the website. The payment is to be credited the same day if it is made before XXXXXXXX XXXX. or the next day if it is after XXXX p.m. The most recent payment I made was on XX/XX/2024. Today is XX/XX/2024 and the payment is still on hold for my credit card. I made this payment out of my BMO checking account but BMO put it on hold. I had sufficient funds in my checking account. There is no reason, nor is there every any reason for them to hold my payment. The payments come out of my BMO accounts and I make them to my BMO business credit card. They funds can be verified immediately and yet they hold my payment. I had to call them today to ask them to apply the payment. The customer service person told me there is a glitch and that they hold the payments on some accounts. He was able to take the hold off the payment but he also told me it was set to apply to my account on XX/XX/2024. That would be XXXX full days after I actually set up and authorized the payment. I had him file a complaint with the bank and I am filing another complaint against them with you. 
Are they doing this intentionally hoping that the payment doesn't get applied so they can charge interest on the balance?
Consumer complaint received 2020-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XX/XX/XXXX PROFESSIONAL FINANCE CO Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious PROFESSIONAL FINANCE CO I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me  Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (GA)

This debt is not owed. I have resolved this collection item several times. This collection has been removed in the past and has since been sold to another collections company and was added back to my credit report and has since caused a domino affect on my credit report score. This is bullying at this point!
Consumer complaint received 2020-08-13
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: Synovus Bank (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX to XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-08-13
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Alabama Housing Finance Authority (MO)

Per the CARES act : If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/2020 and 120 days after XX/XX/2020 or 120 days after the COVID-19 national emergency ends. My account ( XXXX ) was current XX/XX/2020 and went delinquent XXXX while I was in the modification process. To my understanding compliance with the CARES act would required XXXX to remove the late payments from my credit report for XXXX, XXXX, XXXX, XXXX, XXXX and XXXXXXXX XXXX XXXX