davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (OR)

I have a home morage through Chase Morgage company. I lost my employment XX/XX/XXXX. I immedidately contacted chase who stated that they would allow me to do a payment deferment for XXXX months. When that time was up I was to contact them and they would see what options were available depending on my situation. I unforutnately was not employed at the end of the deferement period. I was told by chase that I needed to make XXXX payments to make my morage current and they would offer me a loan mondification. I explained that I did not have an income and that I would be using the remainder of my savings to make those three payments. They did send me modification paperwork. I called when I recieved those papers and was told that because I was not working that was all they could do, and so, I signed the paperwork and returned it. I did not receive any further communication from Chase until I was notified that they had applied with the State of Oregon to file a forclosure. I enlisted the help of the Oregon Forclosure Assistance program and was assigned a hoursing assistance councelor by the name of XXXX XXXX. XXXX helped me navigate the process of going through several meetings and meeting cancelations with Chase. I became employed XX/XX/XXXX. Chase offered me a modiciation in XXXX, based on an hourly pay that I am no longer receiving. There were several communications back and forth between Chase and the Oregon Medidiation Program attempting to clearify my pay which became salary when my XXXX day probation was up. I asked prior to our meeting how they calculated the payment as it is more than my original morage payment, and I am making nearly XXXX dollars less annually. I then posed the same question at our meeting at which time the Chase represenative told me that I either signed the modication proposal or I risked a higher payment and or even denial. I signed the modificaiton. I have made one payment, but, I am selling personal items to make the payment I am struggling. I was notified on XXXX XXXX that the State of Oregon did not provide Chase with a certificate allowing them to continue with the forclosure. I have also contacted XXXX XXXX at Chase asking for clarification.
Consumer complaint received 2016-03-17
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (MO)

XXXX XXXX XXXX is a collection agency that has been paid. I have tried disputing their account multiple times due to their illegal and inaccurate reporting, yet it remains. This collection company is reporting this account as open, though it 's been paid for numerous years. They have it listed under installment accounts as though it was a cc though I never had a CC agreement with them, it was with GE Capital, the company they bought the debt from. They list a high credit amount as though they 're a CC instead of a collection agency. They list dates of serious delinquency like a CC. All tactics that as a collection company they are not allowed to use and if I remember correctly, they have had lawsuits filed against them in the past for these same illegal tactics to extend the damage they can do to consumers with regards to their credit long after the debt has been paid.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I disputed my XXXX XXXX account on my Transunion and XXXX credit reports for failure to report notice of dispute within the guidelines of the FCRA. The investigation results repeatedly came back stating that the XXXX XXXX account was verified as accurate even though no notice of dispute was updated.
Consumer complaint received 2022-02-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XXXX I used my Capital One credit card to pay for a travel trip through XXXX XXXX XXXX XXXX XXXX. I paid for the trip in full on XX/XX/XXXX and it was {$3000.00}. The company filed bankruptcy shortly thereafter and I was notified on XX/XX/XXXX that my trip would not be rescheduled. I took steps to get reimbursed through Capital One but they have told me now, three times, that the time limit has expired. I have already sent in a letter with all the requested documents requesting my case be reopened and I be reimbursed, but they are still telling me that I am out of time and they will not help me. They have reimbursed me twice, but then charged my account again for the amount of the trip, saying that I was reimbursed in error. This is the second complaint I have filed. The original complaint was apparently closed, although I was never notified of any updates. I did not know that I had to check the website for updates, and I was never notified via email or telephone. I have also contacted the company ( XXXX XXXX ) who is now back in business, but they only thing they have offered me is an account credit for another trip XXXX filing another complaint with the Consumer Finance Bureau. I have a baby due in XXXX and can not afford to STILL be missing this money from my credit card. Also, because Capital One charged my account again for this trip, I have beeb paying extremely unnecessary interest on the credit card. I will also not be able to accept the companies offer on a credit for another trip, as I will have a newborn baby soon. Can someone please help me!
Consumer complaint received 2019-02-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ZWICKER & ASSOCIATES (CA)

On Sunday XX/XX/2019, an unknown person who did not identify themselves rang the doorbell at our home. After repeated ringing, this unknown person suddenly started loudly pounding on our front door for a period of two minutes. This action startled my wife as she thought our home was being broken into. When she opened the door, she was told to give me a summons for the Superior Court of California , County of XXXX. The plaintiff is XXXX XXXX with legal representation by Zwicker & Associates, XXXX ( XXXX XXXX XXXX CA # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX CA # XXXX ), phone number XXXX. The amount of the outstanding debt was {$14000.00}. 

A settlement with XXXX XXXX/Zwicker & Associates was reached in XX/XX/2019 between Zwicker and XXXX XXXX XXXX with a payment being sent by my power of attorney XXXX XXXX XXXX on XX/XX/2019 in the amount of {$10000.00}. 

Given it is XX/XX/2019 and the settlement was reached almost 25 days ago, Zwicker & Associates had a professional and legal responsibility to inform the Superior Court of California to withdraw the summons in a reasonable and timely fashion. Due to their lack of informing the Court, my wife was put in a stressful and dangerous situation that has caused her emotional distress.
Consumer complaint received 2016-04-14
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK (AZ)

I made a purchase of {$470.00} on XXXX XXXX, 2015 using my Discover it card with XXXX. Discover was running a promotion offering 10 % cash back on purchases made using XXXX. Discover has not paid the 10 % cash back that was promised.
Consumer complaint received 2020-06-01
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: EQUIFAX, INC. (OH)

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX  failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2019-02-25
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: EQUIFAX, INC. (CA)

I have absolutely no idea what these accounts are, I have never opened a account with this creditor. I have notified my local Police department ( XXXX XXXX county sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts. 

I have been in contact with the office of the Attorney Generals office of California - XXXX XXXX, which has guided me in the process of filing these reports. 

Under the FCRA 2009 ( a ) ( 3 ), the creditor in question has been notified that the debt occurred was the result of identity theft. Under the FCRA the original debtor in question must relinquish any attempt to collect this debt, with reasonable documentation stating the event of identity theft.
Consumer complaint received 2015-07-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (DC)

i have continued to write XXXX XXXX XXXX XXXX XXXX and Convergent Outsourcing Inc., requesting that they verify the alleged debt. As of this date they have continued to contact me at work and home at all times of the night demanding that A paid this debt. I have never had an account with XXXX XXXX. After repeated communication to these agency 's they continue to make threats. I am filing this complaint to request the Consumer Financial Protection help in resolving this matter. I received a phone call from one of Convergent agents, telling me that they are going to report me to the XXXX were I am employed.
Consumer complaint received 2020-09-11
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 — Their investigation did not fix an error on your report
Company: OneMain Finance Corporation (TX)

My credit profile shows an account as a charge off. After checking all of my files and records i was unable to find any records with the listed company or any accounts that matched this account listed. I have diisputed account but it still remains. Please delete this account.
Consumer complaint received 2017-03-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (OH)

I made my mortgage payment on XX/XX/2017 in the amount of {$1300.00}, which was about {$6.00} more than what was due, and I asked that the {$6.00} go towards principle. On XXXX/XXXX/2017 there I received an email from my mortgage servicer that they had received {$350.00} which went towards escrow. I did not request this payment and frankly did n't plan financially to make an additional payment this month. When I called my servicer they said " oh, must have been a mistake '' but were unable to stop the payment from going through.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

I am unable to view my Equifax Report or Scores. I have submitted a complaint a few months ago with regards to this same issue. Please help. Why can't I see my Equifax report or scores. 

There are also incorrect address reportings on XXXX and 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 Incorrect Employer Information XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have an account reporting that is not my account : XXXX XXXX XXXX ; This may be reporting on my credit file in error, please help me get this removed. I am in the process of trying to purchase a home and the fact that I can't see my Equifax and these other scores is holding me up.

I don't know what else to do. Equifax is not showing my report and this has been going on for more than a year.
Consumer complaint received 2021-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (PA)

I first contacted Comenity Bank regarding my Sony Visa on XX/XX/XXXX, XXXX to file a dispute for {$1700.00} against a local business. The agent that assisted with opening the dispute had no idea what she was doing, she even admitted to me that she normally doesnt do them. She hardly took any information, not enough that would allow for the disputes team to come to a reasonable conclusion. She did not tell me that I would have to send documents in by mail. She stated I would receive something in a couple of weeks. A few weeks went by and I didnt hear anything so I gave Comenity a call. The lady I spoke to informed me that they had closed the dispute. I had never received anything notifying me of their decision, nor did I receive any documentation provided to the credit card company from the merchant. They gave the merchant the upper hand and kept me in the dark. From the very start, this company did everything they could to set me up for failure. I would talk to someone on the phone and they would direct me to their messaging portal. I would do what they said and use the portal and then get a response that said I needed to call customer service. The fact I was told so many incorrect things and then could also never actually speak to anyone in the disputes department was beyond aggravating. I was told I could file a dispute through the portal and that I could submit my documents on there as well. All of those were in fact lies. I had to send those things in writing. I appealed the decision and this time was able to send in the documents, I even provided a copy of the XXXX reviews the owner was leaving for her own business. Shes a deceptive person, and I wanted them to see that. One of the representatives I spoke with had the audacity to tell me to take it to small claims court. I provided everything this company needed to do its job. They couldnt even provide me with an explanation as to why.
Consumer complaint received 2016-03-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (FL)

I have disputed this judgement on numerous occasions telling experian the county clerk of of the court does not show an open judgement under my name, but experian insist their information is correct and keep sending me back to the county for more details and now they are refusing to investigate and not providing where their information is coming from. If the clerk of the court did n't provide the information and they are not seeing a judgement under my name and social where is experian getting their data from and why is this error still showing on my credit? This is n't my judegment, expeiran needs to remove this ASAP.
Consumer complaint received 2015-12-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (OR)

My mortgage loan was sold to Pennymac Loan Services 5 years ago due to my total loan amount being less than {$50.00}, XXXX. They have been harassing me by calling me every single day, several times a day! Recently they have been charging me a {$15.00} monthly fee to " have someone drive by my home to make sure I still reside here ''. ( Pennymac is based in XXXX XXXX, CA and I live in Oregon, so they claim to have hired someone local to drive by ; I have never been personally contacted by this alleged person ) I have called them in the past to inform them of my hardship situation, but they have told me after speaking to them that this information I provided will NOT stop the phone calls and it has not! Therefore, I see no point in speaking to them since it makes no difference whatsoever.
Consumer complaint received 2019-02-25
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: NAVY FEDERAL CREDIT UNION (CA)

I have absolutely no idea what these accounts are, I have never opened a account with this creditor. I have notified my local Police department ( XXXX XXXX county sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts. 

I have been in contact with the office of the Attorney Generals office of California - XXXX XXXX, which has guided me in the process of filing these reports. 

Under the FCRA 2009 ( a ) ( 3 ), the creditor in question has been notified that the debt occurred was the result of identity theft. Under the FCRA the original debtor in question must relinquish any attempt to collect this debt, with reasonable documentation stating the event of identity theft.
Consumer complaint received 2019-02-25
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: Experian Information Solutions Inc. (MA)

I received a copy of my credit report from the three major credit bureaus. In accordance with Federal Law, I exercised my right to dispute negative items off of my credit reports and received no response. I was very specific pertaining to the corrections that need to be applied to ensure the accounts on my  reports are 100 % accurate and 100 % verifiable, and they have ignored and/or overlooked my requests.
Consumer complaint received 2016-10-13
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: LOBEL FINANCIAL CORPORATION (CA)

I am requesting that a forensic audit be done regarding this account. This company has over charged me and inflated expenses. They also sold the vehicle without sending me a 15 to 30 day notice of the sale. This company is a predatory lender.
Consumer complaint received 2021-06-03
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: U.S. BANCORP (CA)

I leased a new vehicle from XXXX XXXX XXXX on XX/XX/XXXX. Part of the deal was a trade-in of my XXXX. The XXXX was leased by me from US Bank on XX/XX/XXXX for 4 years. The XXXX lease had not yet run out and there was some residual due. I have received monthly statements from US Bank every month since then demanding that I make the lease payments and claiming that more than {$20000.00} is now due and owing. The lease should have been paid off or, in some way, handled by XXXX XXXX XXXX but it has not been. I have spoken to US Bank on more than one occasion and explained that the XXXX is now owned by XXXX XXXX XXXX but they continue to send me the monthly dunning notices. The most recent dun from US Bank is threatening to send the debt to Collection and US Bank is now adding late payments to the lease payment. My husband complained about these same facts ( Complaint XXXX ) and the CFPB informs us that US Bank claims not to know who he is, although we share the same last name and address and from my credit report they can easily determine that he is my husband. The refusal to respond to his complaint by claiming not to know who he is is simply another evasion and tactic to put more pressure on the consumer. The attachments include my husband 's emails to XXXX XXXX XXXX to try to get them to honor the deal they made. Also attached are the monthly lease statements we have continued to receive from US Bank. Also attached is the lease I signed with XXXX XXXX XXXX on XX/XX/XXXX : the trade-in was a part of that deal.
Consumer complaint received 2016-05-02
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Consumer Financial Services (IL)

All my privite information was given to someone who just walked in and they provide my name. The person was given information on my loan. The person was not authrized nor did any letter from me that authorize them to be given this inforamtion. 
My rights as a consumer was viloated. 
Under XXXX. This title may be cited as the " Right to Financial Privacy Act of 1978 ''. 
5 ) " customer '' means any person or authorized representative of that person who utilized or is utilizing any service of a financial institution, or for whom a financial institution is acting or has acted as a fiduciary, in relation to an account mantained in the person 's name ;
Consumer complaint received 2015-03-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (CA)

I have been using XXXX XXXX Bill Pay to make payment on my loans with American Education Services for a number of years without issue. XXXX in a row AES has failed to process the payment correctly. Their proof of payment process takes XXXX business days, during which they continue to call, email and send letters to you and your co-signer. They have no way of processing it faster or putting your account on hold or in a disputed state to at least temporarily halt the calls, emails and letters. The only way to halt the calls, emails and letters is to make an additional payment. If you do n't it may negatively affect your credit score. Emails they send come on the weekend when there is no service agent to talk to.
Consumer complaint received 2015-06-26
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC (NY)

VIOLATED " FAIR CREDIT BILLING ACT '' AND FDCPA '' ... XXXX DIFFERENT COMPANIES DEMAND SAME PAYMENT OF FRAUD ACCOUNT XXXX XXXX AND NOT MY ACCOUNT. FORMAL FRAUD AFFIDAVIT FILED WITH " FTC '' CASE # XXXX AND WITH XXXX