davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-13
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Zenith Financial Network Inc (CA)

I have been receiving numerous phone calls on my cell phone that shows up on my CID with the name XXXX CA and a phone number of XXXX, which XXXX is my local area code. When I called back the recording said ZFN & Associates. On XX/XX/XXXX I was contacted by ZFN & Associates at my place of employment. A lady named XXXX XXXX stated that I owed a loan for {$4400.00} and it was deposited into my bank ( she knew my bank name ) on XX/XX/XXXX. She wanted my birth date. I told her I do not give out any personal information over the phone and if the debt is true she would have my birth date and I do not nor have I ever took a loan for {$4400.00}. I then told her NOT to call my place of employment. I called my bank and talked to the fraud department and they went through all of XX/XX/XXXX deposits and there was never a deposits for the amount the lady stated. Only deposits received were from my employer. On XX/XX/XXXX I received XXXX more on my cell phone from XXXX CA and also at my place of employment. On XX/XX/XXXX I received XXXX phone calls on my cell from XXXX CA and XXXX at my place of employment. When I called back I told the lady I do not know of this debt and because I have not received a validation of debt that this debt is not valid. Also reminded her to NOT call my place of employment again. Which I 'm sure they will from the search I have done on them. From what I have read this place is a scam.
Consumer complaint received 2022-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

This is the original message that was sent with first complaint. Then the complaint was closed with company providing not correct information and not replying to my complaint. 

" I have made a purchase but after 3.5 weeks, this purchase was returned. Before making a payment, I waited until the refund was posted and by the time refund posted, credit card company posted a late fee and interest charge. I have contacted them and explained what happened, they have removed the late fee and said they will remove the interest charge but they never did. The interest charge was {$21.00}. After contacting them again, they told me they refunded the interest charge but it was only {$0.00}. I told them the amount was incorrect, however I was told they refunded full amount of interest charge. It takes them 3-5 business days to reply, and by the time I was dealing with this issue, they charged me additional {$18.00} interest charge because I did not pay my bill in full. I tried contacting them, with no help. They told me they will keep adding additional interest until I pay my account in full. I owed nothing on my account except that {$21.00} interest charge and now it's up to {$40.00}. They will not work with me to resolve this issue. '' Here 's the response from the company : " The account terms are explained in the Credit Card Agreement. When payments aren't received, are made for less than the minimum required, or are received after the due date cutoff time, we'll assess a late fee to the account. In addition, we'll assess a finance charge or minimum interest charge any time the full balance in the regular revolving credit plan is not paid by the payment due date. On XX/XX/2022, we applied a courtesy late fee credit of {$30.00} along with the associated finance charge of {$0.00}. '' My feedback to that response. 
I have stated that you have refunded the late fee, and I am grateful for that, however when you said you refunded the finance charge, it was only {$0.00} and not {$21.00}. If you would have refunded the correct amount, I wouldn't be here, and while we were trying to resolve this, you have charged me additional {$18.00} interest, because I did not pay the initial interest charge. You knew we are trying to resolve this, why would you purposefully charge me additional interested on top of the previous interest? 
I also closed my account over a month ago.
Consumer complaint received 2019-11-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

I was under an agreement with a merchant to purchase tickets to an event. I submitted payment via PayPal under " Personal Payment '' on accident, it was supposed to be sent as " goods or services '' The merchant 's contact information all of a sudden became " undeliverable '' or " unavailable '' when I attempted to contact them in order to reverse the payment so I could correct the transaction. 
I contacted PayPal, they stated they are unable to reverse the transaction and directed me to file a dispute with my bank via https : //www.ic3.gov/XXXX.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

i recently viewed my credit report and saw a lot of inaccuracies in it. i then proceeded to contact the various companies involved in order to remedy the situation. i was basically told that there was nothing that they could do. i found this to be a disingenuous statement and proceed to XXXX what could be done about it. i learned that i should ask, in writing, for them to investigate it. which i did on XX/XX/XXXX. i waited 30 days then demanded, in writing, that these inaccuracies be removed. that was XX/XX/XXXX, yet nothing was done. so now, more than 30 days after that, i am here at the cfpb website seeking some sort of resolution. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-05-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Grain Technology, Inc. (AR)

I opened a Grain account roughly a year ago. It is a digital line of credit. Grain approved my account with a {$1000.00} credit line which I have always paid on time. Over the course of my relationship with Grain, they have locked me out of my account on multiple occasions forcing me to " reverify my identity '' over 6 times in one year. 

The most recent time they asked me to verify my identify, they closed my account stating that they could not verify me - offering no explanation as to why. I did my own research and realized my identification now showed my new last name, as I had gotten married, and my account still showed my maiden name. I sent Grain an email asking if I could attempt to reverify again, but they said ( after nearly 2 months of no response, with me being locked out of my account the ENTIRE time ) there was nothing they could do and the decision to close my account was final. 
I am basically being forced to lose a line of credit which will be a detriment to my credit score all because I got married and they somehow think that means I have turned into an entirely different person, and that I am not the person who originally applied for this account. It makes no sense at all for them to lock me out of my account for this reason.
Consumer complaint received 2019-07-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (VA)

My monthly payments to Dovenmuehle ( loan XXXX ) is {$2200.00} and was due on XX/XX/2019. If I fail to pay by XX/XX/XXXX, I am subject to a {$91.00} late fee and possibly issues with my credability. I made an online payment from by checking account at XXXX XXXX XXXX bank for the {$2200.00} on XX/XX/2019. Since this is an electronic payment, Dovenmuehle should ( and usually does ) receive the payment by the next business day, which was XX/XX/XXXX. The full amount of {$2200.00} was deducted from my checking account XXXX at XXXX XXXX XXXX bank on XX/XX/2019 with an entry " BP-Dovenmuehle Mortg Conf # - XXXX '' See XXXX XXXX XXXX Statement attached ). However, on XX/XX/2019 and to my surprise and dismay, I got a call from XXXX at Dovenmuehle 's Collections Department saying I failed to make the XX/XX/XXXX payment and that I now owe them the {$91.00} for the late fee. I told XXXX that I paid Dovenmuehle on XX/XX/XXXX. She later confirmed this. I asked her to investigate why I was being called when I in fact made the payment. XXXX was unable to help. 
Then, on XX/XX/XXXX, Dovenmuehle finally issed a statement ( see attached ) to reflect my XX/XX/XXXX payment ( this is usually done only a couple of days after I pay ) saying I made the XX/XX/XXXX payment on XX/XX/XXXX. No where does it say in the statement or elsewhere that my payment was timely. 

I need a written statement from Dovenmuehle that my XX/XX/XXXX payment was timely and not subject to a late fee and was received well before the XX/XX/XXXX payment. I also want investigated whether this behavior on the part of Dovenmuehle is in any way retaliatory or connected with my recent application for loan modification to XXXX XXXX at Dovenmuehle due to me being unemployed and being the subject of another complaint I am making to Dovenmuehle. In other words, this instant unusual behavior seems to occur just after I applied for and then appealed and was denied a loan modification due to my long term unemployment, and my subsequent complaint to XXXX and XXXX. I would like to know if they are bullying me as a result and if I shluld expect more of this kind of behavior from Dovenmuehle in the future.
Consumer complaint received 2022-05-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (SC)

On XX/XX/2022, I sent a debt validation letter. LVNV Funding received my letter on XX/XX/2022. I later received 2 letters and included billing statements. There was no contract of agreement included. Licenses of business or any of the required documents. I recently responded back to LVNV funding on how they violated my rights has a consumer.
Consumer complaint received 2022-05-18
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)

Account # XXXX XXXX XXXX XXXX IS REPORTING A REPOSSESSION, REQUEST A DEBT VALIDATION LETTER, DISPUTED REPORT.. BUT NOTHING IS TAKING IN ACTION.
Consumer complaint received 2021-10-30
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 (NV)

I have had an account with Capital One since 2003, accumulating significant reward points. Over the years my account was on autopay and I assumed everything was good. I got a letter dated XX/XX/XXXX saying that my account was closed due to non usage. I called Capital One at XXXX at XXXX PST today as soon as I got the letter. I tried to get my reward points back or card reactivated. I was told they sent me a letter in XXXX saying they would close my account if I didn't use it. I never received such a letter. I informed them as such otherwise I would have at the very least cashed in on my thousands of points. They told me nothing could be done and my reward points were lost. The value of those points exceeds {$500.00}.
Consumer complaint received 2019-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I have a XXXX credit score and I pay both cards on time EVERY month, yet B of A arbitrarily reduced my credit amount on both cards. This is B of As way to make it difficult for consumers to pay off balances quickly without paying unyielding interest. 
Even if I have a high ratio, I always pay on time because I can afford the credit. B of A did this while I was out of the country jeopardizing my and my childrens safety because if I had an emergency I would not have credit cards to help me, if something happened.
Consumer complaint received 2022-05-18
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: EQUIFAX, INC. (AL)

n accordance with the Fair Credit Reporting act XXXX  account # XXXX, XXXX XXXX  account # 's XXXX, account number XXXX, account # XXXX, account number XXXX, XXXX XXXX account number XXXX, has violated my rights. 

n accordance with Fair Credit Reporting Act, XXXX XXXX account # 's XXXX, XXXX, XXXXXXXX XXXX XXXX  account # 's XXXX, XXXX XXXX account XXXX XXXX, XXXX. XXXX  account # XXXX has violated my rights. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

XXXX  XXXX XXXX I just got information from XXXX XXXXXXXX XXXX that moving forward, XXXX will be servicing this account. Please Delete the XXXX  XXXX XXXX Account from my profile from my profile. I have not given written permission for this account to be on there. 
According to 15 U.S. Code 1681 - Congressional findings and statement of purpose As A Consumer I have Right to Privacy, ( Accuracy and fairness of credit reporting4 ) 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. ) Abusive Practices 15usc1692 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
( 15usc1681 A # 2 ) ( 15usc1602 L ) Gramm-Leach-Bliley Act : They never explain this sharing of my information Any Violation under Truth and Lending is double the Finance Charge 1635 the failed to explain which is a Violation. 

I have not done any business with XXXX XXXX XXXX, I have sign any contract with XXXX XXXX XXXX. My Legal name is XXXX XXXX and not XXXX and there is no proof that I XXXX XXXX owe any thing on this account. I have not been provided any validation on this account. 

According to FDCRA, I have a write to privacy and I have not given any one permission to transfer any account of my mine or my personal information to any one. 
( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2021-11-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

I have been waiting nearly 10 months for a decision on my short sale ( The process was started XX/XX/2021 and I'm still waiting for a resolution ). The mortgage company PHH continues to give me the run around by asking for additional information or more documentation. 

I've complied with their request each time, only for them to tell me that something else is missing from the file. Meanwhile, I continue to get requests to update bank statements and pay stubs because they have allowed it to expire during the review of my file. I have months of emails back and forth with them providing the information as requested, yet I still have no answer. 

I continue to call and get a new person to answer the call, only for them to give me incomplete or inaccurate information. 

The inefficiency and lack of customer service to facilitate the short sale of my home make PHH Mortgage Service the absolute worst company to work with in this situation.
Consumer complaint received 2022-05-18
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act the following companies have violated my rights. 

15 U.S.C. 1681 section 602 A States I have a right 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. 

XXXX XXXX  Acct : xxxxxxxxxxxx XXXX This was also a secured account where the amount funding the original should have been updated to reflect accurate balance. 

XXXX XXXX XXXX Acct : XXXX XXXX This account was in predatory lending lawsuit and they have failed numerous disputes to accurately reflect all payments made in the 4 year period before the illegal repo which there was an agreement in place to have funds paid by a certain date. The original purchase minus the total payments and the sale of the vehicle at auction which they failed to notify me of the date or location so that I could settle the difference. They took the vehicle to another state for auction and I was uninformed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The information is inaccurate as listed on all accounts as far as dates and amounts plus some payments. They have been disputed through the credit reporting companies as well and they all failed to provide the proper validation and or updates as requested by me, the consumer who is named. 


My information on some reports also has my name listed as XXXX XXXX or XXXX XXXX which is not me. 


15 U.S.C. 1681 section 602 A States I have a right 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.
Consumer complaint received 2019-07-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (AR)

OCWEN OWES US $ XXXX AS 3RD PARTY CLAIMS LISTED IN OUR CHAPTER XXXX BANKRUPTCY DEBTORS LIST CASE NO.XXXX, IN PART FOR COVERING UP FOR XXXX XXXX AND THE XXXX, XXXX & XXXX FRAUD FROM XX/XX/XXXX-XX/XX/XXXX. SEE ATTACHED.
Consumer complaint received 2022-05-18
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 — Problem with personal statement of dispute
Company: Aldous & Associates, PLLC (FL)

I have settled a debt with Aldous and associates on XX/XX/22 and they have not cleared the debt to the credit reporting agencies. Worse yet, they also have other collections made in my name ( no social attached btw ) that are another person not mine ( I dont even live in Utah and never have! ). When I told the associate this, she hung up on me so it remains unresolved.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

i was in a covid XXXX program with XXXX Mortgage that appears to be an interest increase trap as well as negatively impacting my credit score. 
according to The Cares Act, this should Not happen. 
XXXX Mortgage is conducting business nefariously and taking advantage of mortgagees during a pandemic. 
they have refused to take payments and allow me to resume paying on my mortgage yet are reporting me for missing payments which is false, I have bank statements and documentation to back this up.
Consumer complaint received 2022-05-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (TN)

a person bought some goods { clothing } from me and paid the money to PAYPAL. i have a paypal card ive never used but have regeistered with paypal. they have refused to allow me to transfer or spend any of the moneies what so ever. i call them daily and get nothing but a runaround and lies. ive submitted answers to all of the security questions and jumped through every flaming hoop put in front of me. ive submitted the tracking number for the package sent. they even asked where i store my goods at. the package i mailed has been delivered and the person has notified paypal of this. every day paypal tells me lie after lie. any help or assistance will be greatly appreciated. THANK YOU. p.s. they will not even send me a check for the money
Consumer complaint received 2022-05-18
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. (FL)

In accordance with fair credit reporting XXXX  account ( s ) numbers XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX, ( Original Creditor : XXXX XXXX XXXX ) XXXX has violated my rights. 

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 : it states a consumer reporting agencies can not furnish a account without my written instructions
Consumer complaint received 2023-03-31
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. (LA)

ALL PARTIES ARE REPORTING A BANKRUPTCY WITH DIFFERENT COURT NAMES AND DIFFERENT CASE NUMBERS. BANKRUPTCY IS INCOMPLETE AND SLOPPY DOES NOT SHOW CORRECT AMOUNTS OR NAME OF ATTORNEY. INFORMATION IS BLANK FILLED THAT SHOULD BE COMPLETE. I CONTACTED THE COURTHOUSE TO HAVE THE INFORMATION CORRECTED BUT WAS TOLD THEY ARE NOT RESPONSIBLE FOR THE INCORRECT, UNVERIFIED, ILLEGAL REPORTING FROM ALL PARTIES INVOLVED.