davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (NY)

Discover has contacted me about an allege debt. I have informed them that I participated in a consumer credit transaction pursuant to 15 USC 1602i. I have informed them to cease and desist pursuant to 15 USC 1692c ( c ). Also informed them that I would like my account to be XXXX as this extension of credit was only extended to me through them ( Discover ) by me, the original creditor pursuant to 15 USC 1692b ( 4 ). I gave them my credit card ( Social Security Number ) pursuant to 15 USC 1602 ( l ) and never asked them to send me a bill or request for payment from me, on my behave. I've never gave them permission to contact me and much less never gave them permission to contact me multiple times through ANY medium. I received communication from them on XX/XX/2021, which I labeled " Exhibit A '' through the mail about this allege debt, they used obscene and profane language during in the letter they sent me as words that I found offensive such as " DEBT '' was used and that I owe THEM a payment, which is a violation of 15 USC 1602p, because as the card holder ( 15 USC 1602n ) I will not receive any benefit by making a payment to them on something I issued them, which is credit. The statement they sent me was in a positive amount indicating I, in fact, have a credit instead of a debt, which is a violation of 15 USC 1692 e ( 2 ) ( A ) false and misleading the character, amount or legal status of any debt. I asked them to validate the debt pursuant to 15 USC 1692g. I have yet to receive any contact from them. They contacted me at a time I was busy and being that I NEVER told them to contact me it was INCONVENIENT, which is a violation of 1692c ( a ) 1. Also I have made multiple payments in the pass and require that money back pursuant to 15 USC 1692h, as I have to direct them where to put the money, and I want the money to be place in a check addressed to me. Also being that I've been receiving correspond from them its a clear invasion of my privacy. The other violations are in the file I uploaded marked as exhibit A. Also they have been in communication with a consumer reporting agency which is a violation of 15 USC 1692b, communicating with someone else besides the consumer about a debt violation of 15 USC 1692b ( 2 ). I responded on XX/XX/2021 which they received which was confirmed by the USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/21, telling them to not contact me about an allege debt, that they have no right to try and collect, the content of the letter I sent them was a cease and desist letter pursuant to 15 USC 1692c ( c ) ; an affidavit of truth, a request of debt validation pursuant to 15 USC 1692g AND an invoice with the amount of damages they have done to me the consumer, when they tried to collect on this allege debt. I have yet to receive any correspondence or money for the violations to these aggressive and deceptive practices to collect a debt that has not been validated or verified pursuant to 1692g.
Consumer complaint received 2024-03-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

Chase said my account would be closed in XXXX last year, and officially closed my account in XXXX. But until XX/XX/2024, I did not receive a check for the money in my account. I've been to the branch XXXX times and no reason was given to me. I'm going back to my country in XXXX. I need to get my money as quickly as possible.
Consumer complaint received 2021-12-11
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

What is tax evasion? " Tax evasion is an illegal attempt to defeat the imposition of taxes by individuals, corporations, trust and others. XXXX XXXX has a strict Rule when it comes to Intangible & stamps taxes due on instruments. See Florida statute 199.282 ( 4 ) - '' No Mortgage, deed of trust, or other lien upon real property situated in this state shall be enforceable in any Florida court ... ..until the nonrecurring tax imposed by this chapter, including any taxes due on future advances, has been paid and the clerk of circuit court collecting the tax has noted its payment on the instrument or given other receipt for it ". 
201.08 ( 1 ) ( b ) '' The mortgage, trust deed, or other instrument shall not be enforceable in any court room of this state as to any such advance unless and until the tax die thereon upon each advance that may have been made thereunder has been paid ''. SPS contents to have enforcement over two loan modification agreements. One dated XX/XX/XXXX, by XXXX and the other dated XX/XX/XXXX by Select portfolio servicing. The lender has evaded the Intangible & stamps tax imposed by Florida Statute on both instrument, which deems the instrument a NULL and VOID until such advances on the new contract have been paid. The statute mentioned above are straight forward, a lender will never have any enforceability until the taxes due are paid. Can the lender record the instrument at this juncture? The short answer is no. Both loan modifications reveal that it was never notarized, nor contain the legal description of the property. XXXX XXXX will not accept any instrument for recording unless the lender provides the ORIGINAL INSTRUMENT REFLECTING THE ORIGINAL NOTARIZATION. Can a judgment be entered on a property where the new mortgage fails to contain the legal description? See Florida caselaw ... .XXXX XXXX XXXX XXXX v XXXX XXXX... A judgment shall never be entered until the issue surrounding the legal description on the instrument is fixed. Under Florida law a judge will allow for the bank to fix the issue but in the event the issue can not be resolve, the judge has no other alternative to dismiss the case. In order for the instrument to be fixed, it requires the signature of the debtor. We are not signing anything. Select portfolio has been given enough time to correct their tax evasion error. Select portfolio is fully aware they must dismiss the case, the statute is straight forward as mentioned before, in non legal terms " you can't pass go, " you can't collect XXXX XXXX dollars '' just like in the XXXX game. Because you have failed to set aside the non-enforceable instrument we are now contacting the following : Florida tax collector office, Inspector General, XXXX XXXX attorney Office, Department of Justice XXXX IRS, Florida Attorney General. No one in the United Sates of America can evade taxes, not even XXXX XXXX. Want to put this to the test? watch me
Consumer complaint received 2021-12-11
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 (AZ)

Capital One insists on me providing them with an EIN. I've explained to them that the IRS does not provide an EIN for a single member XXXX, they use my social security number. They proceeded to restrict my account, after they had charged me a {$59.00} membership fee, and will not issue me the {$100.00} in accumulated rewards. I have paid off the card in full, but they will not allow me to receive my rewards that I have legitimately earned.
Consumer complaint received 2021-12-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Kindly request that the information contained in my credit profile be reviewed and modified, but a response from you has not been possible I emphasize that federal law requires you to respond within thirty ( 30 ) days, but you credit reporting agencies continue to breach these federal regulations, which are investigated by the Federal Trade Commission. 
As I had previously communicated I keep a careful record of my communications with you for the purpose of File a complaint with the FTC. 

I further remind you that you are responsible for your intentional breach
Consumer complaint received 2021-08-25
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 — Investigation took more than 30 days
Company: Onity Group Inc. (PA)

Ocwen Loan was the original serviser for this loan. THe loan was sold TO PHH ANd now XXXX XXXX over two years ago. I have experienced XXXX related challenges that have prevented me from paying my payments to XXXX XXXXXXXX. I received housing counseling, where my HUD counselor pulled my credit. I noticed an item on my report from OCwen reporting my late payments from 2017. I have not been with Ocwen since 2017, therefore should not be making any reporting on my credit. I am now recieiving assistance from XXXX XXXX in the form of a trial modification, which should bring my arrears current. I need Ocwen to stop reporting my delinquency.
Consumer complaint received 2022-07-11
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)

`I went to XXXX XXXX to get a vehicle and I was told that they were only going to run my credit report but after I checked my report I have several hard inquiries attached to my report that I would like to be removed please. 
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 2021-12-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

I am truly delighted to share my valued customer service experience with PennyMac Loan Services to any and all potential clients/customers/victims. 
I am inclined to believe that PennyMac must be the clone or recent descendant of the flawed XXXX XXXX XXXX XXXX  XXXX via XXXX XXXX XXXX. 
The lack of live voice communication is overwhelming the initial mortgage loan application began on Wednesday, XX/XX/2021, with a chattery, enthusiastic loan officer. Who ended our conversation with the acceptance of my money for an appraisal fee and the salutations of a used car salesman, never to be heard from again ghosted. 
Twelve days later ( XXXX ) I had an appraisal ; 4 days later ( XXXX ) I received the official report/results of the appraisal. There had to be another XXXX  takeover of PennyMacs communication system, cause I still have not heard a whimper from the loan officer or his compatriots. 
To finally put my mind at ease and solidify my confidence in PennyMac, my emailed messages have gone unanswered and my initiated phone call was vague at best. My loan officer did not remember me; denied receiving any emails and promised to call me back the following day with an update. Needless to say, I sit by the phone with bated-breath, awaiting that long overdue phone call.

My long-suffering contempt for PennyMac is justified for the following reasons : 1. I have been
a loyal, well-standing customer for the past 4 years.

2. I have never missed a payment nor have I been late for a payment.

3. The equity in my home exceeds {$120000.00} 4. My XXXX/credit score exceeds 740. 
5. My loan application to refinance with a cash-out was to facilitate a revamped bathroom ; needed to accommodate my recovery of a total XXXX XXXX and advanced age. 
I fully understand why PennyMac Mortgage Loan Services is not included in the Top 5 List of Mortgage Loan companies, not even the Top 10. This is a fair warning Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-08-25
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 — Investigation took more than 30 days
Company: Onity Group Inc. (PA)

Ocwen Loan was the original serviser for this loan. THe loan was sold TO PHH ANd now XXXX XXXX over two years ago. I have experienced XXXX related challenges that have prevented me from paying my payments to NEW REZ. I received housing counseling, where my HUD counselor pulled my credit. I noticed an item on my report from OCwen reporting my late payments from 2017. I have not been with Ocwen since 2017, therefore should not be making any reporting on my credit. I am now recieiving assistance from XXXX XXXX in the form of a trial modification, which should bring my arrears current. I need Ocwen to stop reporting my delinquency.
Consumer complaint received 2021-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Disclosed on my consumer report are my credit utilization percentage. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title ( 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 ; By disclosing my credit utilization percentage, you are disclosing financial information connected to my banking transactions.

I have also disclosed the definition per15 USC 6809 ( 4 ) ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or. 

So if non personal information are results from transactions, what are late payments and credit utilization I am also noting that I do not consent e oscar verification or any means of automated verification as part of any investigation process Please remove all accounts from my consumer reports that are not metro 2 compliance.
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (CA)

I got approved for Apple Card by Goldman Sachs in XX/XX/2023 and purchased Apple XXXX XXXX with monthly instalment. The next day I changed my mind regarding the color of the computer and went back to the store to exchange it. The specialist told me that he has to make a return and make a new purchase. After making the return transaction, the credit card started declining the new purchase transaction. There were sufficient fund s on the credit card. Barely I found the phone number of Goldman Sachs and called them right from the store. They told me that my account is under review and I have to wait until it is over. The next day I tried to purchase the computer online and after that my account has been locked. I called to the customer service of the bank and again they told me just to wait until the end of the review. I waiting about 1 week after I called them back to understand what is going on. One of the managers unlocked and verified my account. She verified that my account is all set and I can continue using it and purchase items from Apple. I tried to make a new transaction on Apple.com but again it put my account under review again. I called and wrote to the customer service. Every time they were telling me that my account is under review. The next day it wasn't. I called them 10 times, I spent 10 hour staying on the line and talking to the supervisors and managers. Nobody is helping me with this issue. Some of their supervisors just hang up and don't answer the questions. I haven't seen such bad customer service before. They don't tell me the reason of the review. My transactions don't go through.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

Remove the following addresses as they are NON-MAILABLE address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I instruct EXPERIAN, XXXX, and XXXX to remove this non-mailable address. Remove all recent hard inquiries pursuant to 15 USC XXXX. Any new inquiries are UNAUTHORIZED transactions. Also, remove any and all CHARGE-OFFS from my credit reports. Charge-offs are considered a certificate of indebtedness and are also considered income. It must be removed or updated to paid on time never late, because you can not report income. It is ILLEGAL to report transaction history! UPDATE IT TO PAID AS AGREED IMMEDIATELY. Pursuant to the PRIVACY ACT OF XXXX and the FCRA XXXX. EXPERIAN, XXXX, and EXQUIFAX are reporting INCORRECT INFORMATION. All three above-mentioned Reporting Bureas continue to violate my rights when I have written to these Reporting Bureaus on a vast number of occurrences requesting procedural verification methods/investigations and providing me with proof of who and where you confirmed your alleged information that is being wilfully and fraudulently reported. I have counted well over XXXX inaccuracies with EXPERIAN, XXXX with XXXX, and XXXX with XXXX as far as the wrong dates, wrong amounts, incorrect remarks, and much more. Pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance, I am owed compensation for your negligence, noncompliance, and knowingly reporting inaccurate information even after investigations have been completed, causing harm, threat, stress, and anxiety to mine and my children 's livelihood. See the attached evidence.
Consumer complaint received 2021-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Disclosed on my consumer report are my credit utilization percentage. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title ( 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 ; By disclosing my credit utilization percentage, you are disclosing financial information connected to my banking transactions. 

I have also disclosed the definition per15 USC 6809 ( 4 ) ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or. 

So if non personal information are results from transactions, what are late payments and credit utilization I am also noting that I do not consent e oscar verification or any means of automated verification as part of any investigation process Please remove all accounts from my consumer reports that are not metro 2 compliance.
Consumer complaint received 2021-08-25
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (MD)

I am working with Sun Trust/Truist on a VA Streamline Interest Rate Reduction Loan since XXXX of 2021 and I have not heard anything on the status or anything about the where the loan is. 

Truist Bank XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2021-12-11
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: LEXISNEXIS (FL)

My wife and my wife filed for bankruptcy in 2013, due to excessive credit card amounts. A company called LexisNexis was giving out questionable credit information so they agreed to refrain from giving out information without my consent. I spoke with them earlier this year and placed a freeze on my account. 

As I am XXXX  years of age and my only income is Social Secur4ity, I deal only in cash or bank cash card. No credit cards. 

As Insurance rates have increased drastically, I recently went shopping for a lower rate and bam XXXX XXXX XXXX has notified me that my reported insurance score is 609and therefore a much higher rate will be charged. I have never defaulted or made a late payment on my insurance. Tower list reason given, XXXX. These reasons by themselves are very questionable, but have no bearing on XXXX XXXX.
Consumer complaint received 2021-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Tried to transfer my overpaid balance on XXXX XXXX XXXX XXXX XXXX Mastercard - XXXX to associated bank of america checking account. It's been over 10 days and had several phone calls with customer service, yet as of today ( XX/XX/1994 ) the overpaid balance is still not processed, nor is customer service able to do anything about the pending request.
Consumer complaint received 2022-10-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Checking account fraud paying to XXXX XXXX XXXX ' XXXX  XXXX bank account through wire transfer. Recipient 's CO ID ending in XXXX. There are XXXX transactions : {$100.00} on XX/XX/XXXX, {$85.00} on XXXX, and {$100.00} on XX/XX/XXXX.