davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (IL)

TO : Consumer Financial Protection Bureau Please be advised that I wish to file a formal Complaint against XXXX XXXX, REMITLY AND XXXX because of their discriminatory practices, and blatantly disregards that violates the rights of others by denying me access to a public medium of their Money Transfer Services. Additionally, they have propagated and spread malicious rumors about me to other money dispensing services ( Remitly, and XXXX ) that theyre in alignment with them ; causing them to cancel my services too without any warning or allowing me any rebuttal. These Companies have capriciously and arbitrarily frozen the account that I had maintained with them for about 5 years without warning or regard to my needs or consideration. In my opinion, they did not have any clear reason of basics for the cancellation of my account ; but they have suspended my services without any notice or warning and have trampled on my rights as a citizen and human being. 

I have written to XXXX XXXX many times, but they refuse to answer my email messages. Also, they refuse to divulge the reason for their action. I have not conducted any illicit or unauthorized activities on their Portals/sites and therefore do not understand their swift actions. In addition, I tried to make a transaction for {$300.00} on XXXX XXXX and receive a message that the transaction was declined but later found out that the charge was processed by them, and they received the money from the Credit Card Company, ( their system is faulty and gives erroneous messages to customers ) and now theyre refusing to respond to my request for a refund of the money. I have found that these sites seem to operate in tandem ( in conjunction ) and accept negative information from each other without verification of any of it.

If any of these Companies have anything negative to propagate or report on me. I demand a hearing so that I can confront them and their malicious lies, and untruths.

I hereby recommend that these Companies be sanctioned or fined for their blatant disregard for their customers and the unfounded lies that they propagate against their customer base and the citizenry. Apparently, they pay people to patrol their sites, and those people fabricate lies when they can't discover anything wrong to keep their jobs? How else can they come to their conclusion ( s ) out of the blue?

I hereby demand that my account ( s ) be reinstated without delay, and my refund from XXXX be returned back to me immediately because of their unethical and unfounded reasons for cancellation and termination of my services. They have been granted a license to operate and serve the public, and I hereby demand the services that I am entitled to as a citizen of these United States of America. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Email : XXXX Phone : XXXX
Consumer complaint received 2017-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

# XXXX XXXX ... XX/XX/XXXX # XXXX XXXX XXXX ... XX/XX/XXXX # XXXX ... XX/XX/XXXX # XXXX  XXXX ... XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XXXX ... XX/XX/XXXX # XXXX XXXX ... XX/XX/XXXX# XXXX XXXX ... XX/XX/XXXX # XXXX XXXX XXXX ... XX/XX/XXXX # XXXX XXXX.. XX/XX/XXXX # XXXX XXXX.. XX/XX/XXXX # XXXX.. XX/XX/XXXX # XXXX ... XX/XX/XXXX # XXXX  XXXX ... XX/XX/XXXX # XXXX XXXX ... XX/XX/XXXX # XXXX ... XX/XX/XXXX # XXXX ... XX/XX/XXXX These are inquires that I do n't recognize!!
Consumer complaint received 2019-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I was switching my checking account from XXXX Bank to XXXX XXXX Bank. I had an existing autopay agreement for my Capital One credit card which was setup with my XXXX Bank checking account. I updated the autopay information with my new XXXX XXXX XXXX account. I waited to close my XXXX Bank account until the first autpay was completed successfully on my new XXXX XXXX account which occurred on XX/XX/2017. The next month Capital One processed the autopay from my old XXXX Bank account which had been closed, therefore resulting in a late payment. The next month they didn't process the automatic payment at all which is when I noticed the problem. I contacted Capital One immediately to process a payment to bring the account current and make sure that I was not going to be responsible for a late payment on my credit report. The representative fixed the automatic payment issue and assured me that because this late payment happened as a result of an error with their system that it would not show a late payment on my credit report. After checking my credit I noticed that it was indeed reporting a late payment as a result of this situation. I have contacted Capital One multiple times in an attempt to fix this issue with no cooperation on their end.
Consumer complaint received 2017-04-21
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Dear  Officer  I am filing a new complaint against   Bank of America.
Bank of America promised me by giving me a nu  mber to call (  XXXX  ) to have its higher management to look into my case. I called every day and left the voice box of this number numerous messages. However, the owner of this phone has never talked to me.   This action of Bank   of America is not professional at all. This action of Bank of American is cheating.
Please ask Bank of America to explain why they should cheat their customers.     Thank you!    XXXX   XXXX
Consumer complaint received 2022-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CO)

I mailed XXXX payment on XX/XX/XXXX, due XX/XX/XXXX. I noticed all other checks mailed that day cleared my checking account except for mortgage payment. I called BSI Financial Services on XXXX at XXXX P.M. XXXX to find out if they had received payment and it was in processing yet. I was told payment had not been received and that I needed to make payment over phone to ensure it would not be late and have fees applied. That evening I did make a phone payment for the amount due of {$1000.00} plus {$500.00} principal. A couple of days later I checked to see if phone payment went through and noticed that the check that I wrote on XXXX cleared my bank on XXXX, the same day I called to see if they had received it and was told no. I do not believe it is possible to have received my check, process, submit for payment, and clear my bank on the same day after I called at XXXX P.M. XXXX. The phone payment cleared 2 days later and did not include the extra principal payment that I authorized over the phone, incorrect amount. It was clear from bank records that check cleared first. I believe I was INTENTIONALLY lied to in order to induce a second payment in an attempt to SLANDER my credit. I called BSI several times in an attempt to understand but not given any real answers. I asked to speak to a supervisor on several of these calls and was transferred to answering machine with messages never replied to. I am filing this complaint because these calls have been ignored and I feel there is no other recourse. BSI Financial does not seem to be a reputable mortgage servicer. 
P.S. BSI Financial recently purchased my loan from my previous servicer, about 3 months, and I am always on time with extra principal payment.
Consumer complaint received 2017-04-19
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: CITIBANK, N.A. (NJ)

XXXX   XXXX   XXXX   XXXX  has been calling my employer in an attempt to collect a debt. When I spoke with them and informed them that this was not an appropriate number to call. I asked what company they were calling from and a phone number so I can call them back on a private line. They refused to answer and give me any information. After about 5-10 minutes of the man aggressively talking over me, interrupting me and threatening legal action, he told me the company name,  XXXX   XXXX   XXXX   XXXX , but the man on the phone would not give me his name or a phone number. I had mailed a letter requesting verification a few weeks ago and had n't received anything back. In the letter I specifically requested that all communication be done through mail.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

My wallet was stolen out of my car awhile back. I immediately reported it to the police once I found out. I believe I could be a victim of identity theft as I had my ID, debit/credit cards, library card, voters ID and a host of other personal items in my wallet and vehicle.
Consumer complaint received 2023-01-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2017-04-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NY)

Back in  XXXX   2016 m y monthly mortgage pa yment with Ocwen Loan Servicing wa s raised to a level that I could no longer affor d ( fr om {$3400.00} to {$3600.00} per month. ) I spoke with the bank about alternatives and they said that I needed to file for a loan modification. However, to even be considered to needed to late on my payments. So I stopped paying for 5 months, and applied for a loan modification. My loan modification was accepted and the monthly payment went from {$3600.00} up to {$4100.00}. I filed an appeal which was denied. This clearly is a payment I can not afford. Loan modifications should be reducing the payment not increasing it!
Consumer complaint received 2021-04-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Paypal closed my account for the reason that i dont know, i just transfer orsend to another paypal account and they said it was hold for 24hrs but after couple of hours they limit my account and hold my money for 180days which is unfair coz the money i sent is for paying debt to the person i supposed to paying it. paypal dont give a explaination or not giving chance to me for required requirements to re open it..only they give is 180days to wait and that is not ok
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I, XXXX, XXXX XXXX, federally protected consumer has placed numerous complaints about the sharing of inaccurate, non-public information to my consumer credit report. As a federally protected consumer, I have a right to privacy.

Please See Attached Documents which include the following : Exhibit A : Affidavit of Truth/ Dispute of Inaccurate Reporting Child Support on my consumer report/ Cease and Desist Copy of Experian consumer report Opt Out Confirmation ( s ) Identity theft report Passport Card ( Identification )
Consumer complaint received 2019-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I filed a complaint on XX/XX/2019 report # XXXX, Trans Union removed the fraudulent accounts. But, kept all of the inquires from those accounts. I would like them removed : XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX I have never had any accounts with them nor have I applied for credit or services with them. They did a great job of removing the account. But, please remove all history of them. I am trying to purchase a home and these inquires are showing on my credit file. 

In addition I asked that the Fraud alert be removed from my credit file, so I can secure funding for the purchase of my home. These alerts on my credit, generate a automatic decline for some of the lenders that offer the best interest rates.
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (AL)

I went to TJ Maxx with my sister on XX/XX/18 at the XXXX, Alabama locaction.As we were checking out our merchandise the attendant asked would we like a rewards card.She never explained that it was a credit card or anything else about the card.She was actually being rude because instead of explaining the card to us she told ne to fill out some info the pin/card machine and sge started talking to another woman about something that happened earlier that day and she focused her full attention in her for 5 minutes when she should have been helping us.I ended up with a hard inquiry from Synchrony / TJX Company that I wouldn't have agrred to in the first place had I known it was a credit card instead of the rewards which is the term they use.I feel its away if tricking customers into signing up for something which they know little about.Any other store that uses the term REWARDS CARD in the area is talking about the cards that send you gift cards in the mail after you purchase a certain amout from the store.And to make things worse after she did focus her attention back to us she says " Well it wont drop your score but a few point '' Thats XXXX   and Im tired of being XXXX  around by people..
Consumer complaint received 2018-03-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was told that I could not open an account with Bank of America because of a delinquent account from 2011. But I am only XXXX years old so common sense should tell them I could not have opened an account with them in 2011 because I was still a minor in 2011. 

I have no knowledge of this account.
Consumer complaint received 2017-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (GA)

Starting around XX/XX/XXXX I entered into a loan modification with Ocwen Mortgage. I began making trial payments. I was informed by the then relationship manager to ignore the late notices, notices placed on the door of my home, the late fees charged to my account, etc " because those are different departments and all that will be cleared up once the loan is actually modified after the trial period. '' I never received notification that the modification trial period had ended and the loan had been officially modified so I continued making trial payments. Beginning in XX/XX/XXXX, Ocwen continued to report that I was 30, 60, 90, and even 120 days delinquent on my mortgage to the credit bureaus through XX/XX/XXXX ; finally showing as current beginning XX/XX/XXXX through XX/XX/XXXX. Ocwen accepted a nominal loan amount from HUD for the amount Ocwen indicated I was behind on my mortgage ; of which I had no knowledge of until a recent deed search of my property. I have struggled with Ocwen for over 2 years to correct the reporting to my credit. Ocwen informed me that they can not locate a signed modification agreement ; indicating that the loan was never modified. Around XX/XX/XXXX I filed a dispute inquiry with XXXX. The result of that dispute is that Ocwen reported that the incorrect information showing on my credit report was indeed correct. So I called a dispute inquiry to Ocwen around XX/XX/XXXX. I indicated that since Ocwen can not find their own documentation supporting that the loan was modified and the delinquencies reported on my credit were hence inaccurate, then Ocwen must correct the inaccurate information on my credit. I was informed at that time the dispute would take no more than 10 business days. I received several letters from Ocwen 's Loan Servicing Department and their Research Department indicating that they " are unable to provide you with a response '' and they need more time. Today is the 32nd business day. I called Ocwen 's Research Department this afternoon and I was informed that a decision to my dispute can not be made at this time because they are unable to locate the information needed to conclude the dispute. I was also informed that the matter had been escalated to a supervisor in XX/XX/XXXX and that I should allow them " 4 to 5 more business days to locate that information. '' I sold my home at the end of XX/XX/XXXX and the loan has been paid off. I have relocated to another state and am unable to obtain a mortgage loan because of the inaccurate information reported on my credit. I have also been wrongly charged multiple fees and nuisance people showing at my residence since XX/XX/XXXX related to pre-foreclosure, late fees, sheriff service, etc ... .when all along I was, in my own assumption and with the lack of supporting documentation from Ocwen , still in the loan modification trial period.
I have additional documentation if needed.
Consumer complaint received 2017-04-18
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK (AR)

Good morning, I added my husband as an authorized user on  XXXX  of my credit cards, but it made both of our credit scores decrease, so I asked them to remove him as an authorized buyer. They did, but they still reported the card information on his credit report. I asked if they could please strike the information from his record, as it is my debt and both cards are in my name associated with my SS #. They said they could n't remove the record. This is affecting his  credit score,   and as we pay off bills the records of these  XXXX  cards remains an issue to his score being lower than we would like. I simply wanted to remove him and the record. I still have the cards and do n't even want to close the accounts, I just do n't want them on his report. Can you please help me?
Consumer complaint received 2017-09-13
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. (AZ)

I was part of the Equifax credit information hack. it is unacceptable that I have to PAY to freeze my credit when I did not consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Consumer complaint received 2017-04-18
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I bought a used car from  XXXX  in Nevada and they created a retail installment contract and sold it to or made i t Capital One Auto. I fin d this relationship to be inappropriate at the least, incestuous at the worst and definitely illegal in the state of Nevada.  XXXX  is not a member of any Nevada  State Financial Institution . The contract was between  XXXX  and not Capital One Auto Finance and according to Nevada law a vehicle finance business must be licensed under  XXXX   XXXX  and  XXXX   XXXX . Making the original contract one entered with  XXXX  and not  Capital One Auto  to enforce any repossession as the seller was  XXXX . This incestuous relationship limited me from the appropriate selection of loans as  XXXX  only offered Capital  One Auto option creating wealth for the dealership and Capital One  which is also illegal in Nevada.  Capital One  extended the loan which also changed the original due date but the installment or electronic payment was recently voided without my consent. I specifically said on a recorded line that I did not authorize this change. This brings to the forefront the illegal actions of reporting false information to a financial institution, a federal crime that was repeated twice by  Capital One Auto.  The stipulation of the original contract are no longer enforceable. I am requesting the recording of this false documentation to be played in order to prove the lack of scruples on behalf  of Capital One Auto. T his is all illegal in the state of Nevada and also highly illegal on the federal level. The retailer taking profit from loan, the denial of my request for my loan information during a transaction verification call is against Federal Reserve  Law,   Financial Modernization Act, Equal Credit Opportunity Act and Truth in Lending Act.
Consumer complaint received 2017-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NC)

I first noticed this account for collection ( Midland Credit Management ) when I checked my XXXX XXXX account. I never applied for credit for whom they are trying to collect for. In which I had a fraud alert on my credit report when I became aware of this claim. I sent this company a letter approximately XX/XX/16, stating that I did not owe this debt and that I would like to see debt validation to support their claim. They only did not comply with my letter, they sent another letter to me on XX/X/16 saying they were uncertain of what I was disputing and did not provide any information of how their investigation was conducted.