davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

n accordance with the Fair Credit Reporting act XXXX Account # 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  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 2022-02-12
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. (OK)

XXXX ( XXXX XXXX XXXX XXXX ) is reporting on my experan and XXXX incorrectly. I have tried working with Experian and XXXX over and over and have also sent several letters. The payments status is incorrect and the remarks are not correct. This is not a collection or charge off. I have never had a loan with this company please get this resolved asap. I want the payment status and remarks corrected. This should not be reporting as derogatory account.
Consumer complaint received 2017-01-05
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ARS National Services, Inc. (NY)

As previously stated to ARS. The debt they are attempting to collect does not belong to me. I was a victim of identity theft. I do not want them putting this bogus account that does belong to me on my credit report. They keep writing me about a XXXX account. there reference number : XXXX
Consumer complaint received 2015-12-08
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: LOBEL FINANCIAL CORPORATION (CA)

On XX/XX/2015 I purchased a XXXX Mini Cooper, VIN XXXX, from XXXX XXXX in XXXX, CA, which was financed through Lobel Financial. On XX/XX/2015, XXXX XXXX received a letter from Lobel Financial stating that the XXXX Mini Cooper was a Manufacturer Buyback and to please remit payment in the amount of {$7500.00} immediately. 
On XX/XX/2015 I received an email from XXXX XXXX stating that the car was a Manufacturer Buyback and that I had XXXX options. First option ; I could swap the cars and get the same loan with all of the same numbers or, option two ; bring the car back and he would cancel out the contract. On XX/XX/2015 I chose to bring the car back and cancel out the contract. XXXX XXXX returned to me the deposit of {$2000.00} and the {$500.00} towards the cost of the DMV paperwork. First check was n't good. Money returned did not include XXXX months of payments I made to Lobel Financial or the {$410.00} I put into the car in repairs. 
I have included all necessary documentation to show that the contract has been cancelled due to the car being a Manufacturer Buyback and that I am no longer in possession of the XXXX Mini Cooper in question. 
Lobel Financial refuses to take my name off of the loan until XXXX XXXX repurchases the car. Lobel Financial also refuses to return any payments made on the Mini Cooper.
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, 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. (CA)

I have tried on multiple occasions to access my equifax online and each time was directed to call their toll free number, as I was not allowed access online for some reason. I called and the woman would not give me the reason, she did however tell me she could mail me my credit report to my XXXX address. I am not currently living in the XXXX and she claimed I was unable to have it sent to me here in XXXX. She did go over my credit report with me on the phone but said she could not give me my credit score over the phone that she could mail it to me. I once again reminded her that I was not in XXXX and that mailing it to an address in XXXX did me absolutely no good. She also would not specify why I was blocked access online to my free credit report. I was under the impression that everyone was able to access either directly or through XXXX. My question is this ... is it legal to deny me access to information that impacts my financial situation and yet give me no good reason for this, nor any solutions so that this could be fixed. I have worked hard to improve my credit and this seems absolutely unacceptable, and I am not even sure if it is legal. Please let me know if this is within my legal rights to access my OWN credit information and score despite the fact that I am overseas.
Consumer complaint received 2015-10-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Submitted CFPB complaint no. XXXX on XX/XX/XXXX, matter was resolved and the fees were refunded. This matter has happened again with the XXXX XXXX XXXX of California and Bank of America. The XXXX XXXX XXXX, calculated my taxes on information provided by my ex-employer United States Postal Service and put a hold on my account with Bank of America. I did my tax return and mailed it in about XX/XX/XXXX, the tax board did not receive my tax return and issued a hold on my account on my account which was received by the Bank of America on XX/XX/XXXX. Bank of America withdrew its XXXX legal fees, {$12.00} service fees and XXXX to be sent to XXXX XXXX XXXX. On XX/XX/XXXX had to fax tax return the previous tax return that I had mailed in was not received. Spoke with XXXX XXXX from XXXX XXXX XXXX, who assured me that no legal fees would be charged because she had emailed to the bank a release. I had previously received a letter from Bank of America stating the the funds would be remitted to XXXX XXXX XXXX on XX/XX/XXXX unless there was a release or court order to the contrary before that date. The funds sent to the XXXX XXXX XXXX were returned but the legal fees were not. The orders sent by the XXXX XXXX XXXX, specifically state : Retain any funds withheld for 10 business days from the date you receive this order. Bank of America withheld my funds on XX/XX/XXXX which is three days after receiving the order. The letter they sent me stated they would remit the funds in 17 days after they received the order. Notify the taxpayer and any other person listed on the account or accounts that you are withholding funds according to this order and the date you will be transmitting the funds to the ( FTP ). The bank was to withheld the funds for ten days and they notified me that they would be remitting the funds in 17 days from the date they received the order. Transmit any funds withheld to us at the end of the 10 days holding period unless you received a release from us. The release was sent from XXXX XXXX XXXX on XX/XX/XXXX. Revenue and XXXX code section Code 18674 ( b ) states in part : An institution may asses the account or account of each person receiving this notice a reasonable service charge not to exceed XXXX dollars ( {$3.00} ). I am asking for a refund of {$100.00} dollars legal fee.
Consumer complaint received 2018-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

Equifax is violating the FCRA lawsas HiPAA laws by listing XXXX account # XXXX After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/2018 I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this account!
Consumer complaint received 2016-01-12
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Universal Account Servicing, LLC (CO)

In XXXX of 2015 I took out a loan on a 18 month contract. They have been deducting {$110.00} every month for the past 16 months. There was a balance of XXXX payments. I got a letter that XXXX payments were due. I sent them a letter that are not permitted to debit my account any more. I have various letters from them stating that I owe them XXXX payments. I have ask them in several letters to show me where I owe XXXX payments. The last payment would have been deducted in XXXX of 2015. I have a contract that states the begin date and the end date. They never answer me they keep sending me a bill. The last letter I received, the stated that they have been trying to contact me at a phone number in XXXX. I have lived in XXXX for 20 years. My phone number is on the contract. I understand that I owe them XXXX payments, they will never answer my letters explaining why I owe them XXXX payments. I have letters they have sent me and my responses.
Consumer complaint received 2018-03-17
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

XX/XX/2017 XXXX is only credit reporting 30 days late on Capt One account. I have contacted the creditor and they sent information to all 3 credit agency that my account was never late. 
XXXX and XXXX  corrected and updated my account information. 
I have written letters to XXXX  to remove lates because that is not accurate information. But have not been able to get this resolved.
Consumer complaint received 2024-02-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IN)

In mid XXXX I recieved a notice increasing my loan payment from about XXXX XXXX XXXX XXXX XXXX XXXX  I was also moved programs with no explanation why. The program I was moved to was allegedly supposed to decrease my payment, but it increased it by {$140.00} a month. I have no clue why it increased or how it was calculated. Every time I try to call MOHELA I am unable to speak to someone because they have limited operating hours or hours long waits. So on XX/XX/24 I sent a message with my complaint of the above information. It said I would receive a response in 3 business days. I never received one. I sent another message on XX/XX/24 and once again have not received a response within the 3 days they claimed they would respond within. I am now a few days away from having to pay a XXXX XXXX increase in my loans with no explanation as to why. I am frustrated and dont understand how there is no accountability for MOHELA for increasing loan payments without requesting information on my finances, work status, or family makeup.
Consumer complaint received 2024-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Today, XX/XX/24 I used my debit card for atm withdrawal, but this bank enabled transaction to convert to credit card draft, charging a {$23.00} fee without my authorization. 
This demanded my driver 's license to be recorded & signature required, the very definition of data mishandling. An audit is highly recommended.
Consumer complaint received 2015-10-09
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (NY)

Quicken Loans took {$500.00} from my checking account as a " Loan Fee '' and said that it would be returned once the loan was approved. They also told me that my union, XXXX, would give me a {$500.00} gift card for applying for this refinance mortgage. XXXX has no knowlege of such an offer. NOW I 'm told that the {$500.00} was a fee to be used for appraisal ( when this XXXX XXXX assured me that Quicken Loans did not charge for appraisals AND I 'd get a {$500.00} gift card from XXXX ). I was told by customer service that the appraisal and other fees were spelled out in some document I signed. This may be but XXXX XXXX stated otherwise. IF Quicken Loans TOOK {$500.00} a day from everyone served and only approved XXXX of the applicants, I 'd say this was one XXXX scam! My credit score was above XXXX at the time of the loan request. JUSTICE PLEASE!
Consumer complaint received 2015-05-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

After I made my monthly mortgage payment to Chase in the amount of {$1300.00}, due on XXXX XXXX, 2015, Chase sent me another bill, dated XXXX XXXX, 2015, stating the same amount is due on XXXX XXXX, 2015. I phoned on XXXX XXXX, 2015 and spoke with " XXXX '', who said, if I want a written explanation, I must first make a request in writing. Chase is attempting to obtain multiple payments by misrepresentation.
Consumer complaint received 2016-02-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (CA)

My mortgage loan was just transferred. The new servicer ( PHH Mortgage ) offers NO OPTION for payment either online or via phone WITHOUT " processing fees. '' In the modern world, these are THE MAIN METHODS people use to pay. Are you telling me I can only avoid processing fees ABOVE AND BEYOND my monthly mortgage payment by using snail mail? Very manipulative.
Consumer complaint received 2024-02-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TRUIST FINANCIAL CORPORATION (KS)

I have been in a relationship for the last three years, I recently got out of this relationship and have figured out that he opened a business account in my name and took out loans. Also applied for credit cards in my name, and this is just what I found out since the end of XXXX.
Consumer complaint received 2018-03-17
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 (IN)

I opened a credit card account with Capital One on XX/XX/XXXX. XXXX XXXX informed me that they shut down the account. I contacted Capital One and they informed me they shut it down due to inactivity. They stated they sent me a letter in XXXX to inform me that if there was not activity they would shut it down soon. I have never received this letter. I asked them to verify if I signed for this letter, or confirm in any way I did receive this letter. I have not received any such letter. Also, last year I contacted Capital One to inform them that my credit card had been stolen and I needed a new card. I have never received this card, therefore I can not use a card i do not have. In summary I had no desire to shut down the account. I planned on continuing to use the card. There stance was that they shut it down due to inactivity, yet if they would have sent this letter or my replacement card then the account would never have been shut. There negligence has affected my credit rating. I spoke to 2 different account representatives ( XXXX ID # XXXX and XXXX ID # XXXX ) on XX/XX/XXXX at XXXX EST, who both refused to re-open my account. Of course, they asked me to open a new account. I do NOT do business with companies who do NOT care about their clients. The offer to open me a new account, but not re-open my old account due to their mistake. My credit rating is XXXX   ... any credit card company will open an account for me, but Capital One will NEVER get more business from me unless this is cured.
Consumer complaint received 2016-08-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: R.M. Galicia, Inc. (CA)

1. I was residing in different city than the one provided for the origin of this account. 
2. The number one way Progressive validates an account is through a signature XXXX XXXX and Progressive has not done so. 
I am sure they are very aware of the Fair Credit Reporting Act ( " FCRA '' ) and Federal Debt Collection Act Validation of Debts must include What the money you say he owes is for ; SIGNATURE AND COPY OF ID FOR SAID DEBT Explain and show how you calculated what you say he owes ; Provide me with copies of any papers that show he agreed to pay you what you say he owe ; Provide a verification or copy of information Identify the original creditor ; Prove the Statute of Limitations has not expired on this account The original account was closed in 2008. 

Show me that you are licensed to collect in CA including you SOS FILING NUMBER.
Consumer complaint received 2015-07-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Columbia Recovery Group LLC (OR)

I contacted Columbia recovery group about an account they received from XXXX XXXX apartments that I had discharged due to bankruptcy. They agreed that debt was satisfied and that the account was closed and current. But my credit report still shows it open and active and in collections witch is is not the cash. Columbia recovery group said all the information on there end was done correctly and it should be closed and not showing in collections on my credit report. I have filed a dispute for XXXX for this same account and now I would like to file a dispute for XXXX to remove this. Thank you and my contact number is XXXX
Consumer complaint received 2021-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I RECEIVED YOUR LETTER ABOUTON DATED XX/XX/2021 REGARDING MY RESPOSE. BANK OF AMERICA CLAIMES THAT MATTER IS CLOSED. NO, MATTER IS NOT CLOSED. I NEED MORE TIME TO RESPOSE XXXX XXXX ... XXXX
Consumer complaint received 2015-05-21
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

Rec'ed Letter from Wellsfargo Bank N.A ., Disputing name of Employee " On Letter dated XXXX XXXX, 2015 ... Rec'ed XXXX XXXX, 2015, Name dose n't match Phone ID caller name..XXXX XXXX ... Wellsfargo Bank N.A . As So, I XXXX XXXX am the Payer on the FHA Loan for the XXXX XXXX XXXX XXXX XXXX Arizona, I have been victom of Wellsfargo 's banking practice 's, many times buy Wellsfargo Employee 's, its hiree 's as well
Consumer complaint received 2022-02-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A. (WA)

WE PURCHASED OUR HOME IN 2020, AND THE MARKET HAS GONE UP CRAZY FAST, WE HAVE CALLED TWICE TO GET THE PMI REMOVED AS OUR VALUE IS WELL ABOVE WHAT IS NEED TO REMOVE THE PMI. FLAG STAR IS REFUSING TO HELP START THIS PROCESS, AND SAY WE NEED TO WAIT TILL A LATER DATE IN XXXX. WHEN WE BOUGHT THIS HOME THE LENDER XXXX XXXX NOR THE LOAN OFFICER, NOR THE CLOSING AGENT SAID ANY THING ABOUT WAITING 2 YEARS. 
EVERY ONE WE KNOW IS GETTING THE PMI REMOVED BY HAVE THE LENDER ORDER A BROKER PRICE OPINION. THEY ARE SAYING ITS THE INVESTOR RULE. THIS RULE WAS NOT TOLD TO US, NOT DISCLOSED TO US, NOTHING. ME AND MY FINANCE PURCHASETHIS HOME AS : XXXX XXXX XXXX AND XXXX XXXX XXXX AS SHOWN ON THE STATEMENT THIS IS MY 3 COMPLAINT, THEY KEEP SAYING WE ARE NOT ON OUR OWN MTG. 

THE MORTGAGE STATEMENT IS ATTACHED.
Consumer complaint received 2015-04-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo has withdrawn a $ 30 monthly fee from my checking account since XXXX 2014 without my permission. I have only recently been made aware of the withdrawal. Wells Fargo insists they can only credit me for 90 days and will not return the remaining balance of {$150.00} to my account.
Consumer complaint received 2024-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

taking, wha family and I are up to the take th final outcome and taster.i have train my family to watch for more scams like the om for a large doll xchange of a XXXX and trying to fix my account as normal l. he did not yesterday I spoke with a man in the risk depart XXXX, he call to say th account /\. the said none. the named account should close new debits rerjected an estimated fo no reason thesis Instead the left me with an account I can not access, bank check they are planning to short and sent the rest return t send. I wrote previously the would refuse my doc auto They care so little about how they are hurting other the thin this a game and thaey XXXX mad a farm
Consumer complaint received 2021-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (LA)

I was denied an increase of credit and Pursuant to 15 USC 1681a I have an open ended credit plan, open ended means that there is NO limit, considering this fact in law there is no way that I can be denied credit because there is NO limit to the credit that I, the consumer, can extended through my open ended credit plan using my credit card which is my social security card. This makes ANY inquiry an ADVERSE, HOSTILE and OPPOSED action under federal law as stated by CONGRESS.
Consumer complaint received 2015-08-14
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Northstar Location Services, LLC (TN)

The representative from this company contacted multiple friends and family members repeatedly to get us to contact them in a matter of 4 days time. This was even after I contacted them the FIRST day they called. I was spoken to with very ride, aggressive, and harsh language! I asked them to stop contacting friends and family, as well as my husband and I. They then threatened calling my husband 's work and filing a judgement.