davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-13
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 (WI)

After a period of nonpayment, I started making payment to synchrony bank on my care credit account. Every time I make a payment to get out of debit abd to improve my credit, this company decreased my amount of credit and continues to keep me in the 90 % debt to credit ratio. They are my only credit card and this has happened several times, it has made it actually worse fir me to pay them bc they keep causing my credit score to drop significantly. Technically they can do this, but it is very unethical and Im not sure if it is lawful.
Consumer complaint received 2024-03-11
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (MI)

Date Reported to XXXX & XXXX : XX/XX/XXXX Account Number : XXXX Action Taken : Opt Out Letter sent on XX/XX/XXXX Balance : {$1100.00} The Fair Credit Reporting Act ( FCRA ) emphasizes the importance of consumer reporting agencies handling my information fairly, impartially, and with respect for my privacy ( 15 U.S.C. 1681 ). As a consumer, I have the right to control my information, as outlined in the Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801 ). This act mandates that financial institutions, which may include XXXX under FCRA definitions ( 15 U.S.C. 1681a ( e ) ( 2 ) ), must protect my non-public personal information and obtain my written consent before sharing it with non-affiliated third parties ( 15 U.S.C. 6802 ( b ) ). 

Since XXXX never obtained my written consent to furnish my information, and I have revoked any prior consent ( verbal, non-verbal, written, implied ), their actions violate the FCRA and GLBA. I have the right to opt-out of information sharing at any time under GLBA regulations ( 12 CFR 1016.7 ). Their failure to inform me of this right further strengthens my argument. 

Furthermore, because the reported account XXXX is an adverse item and XXXX has continued reporting it without my permission, it is inaccurate ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ). The FCRA requires consumer reporting agencies to maintain procedures to avoid such violations and limit report sharing to permissible purposes ( 15 U.S.C. 1681e ).
Consumer complaint received 2024-03-11
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC. (VA)

I opened a robinhood account a few weeks ago. Was approved to trade and I deposited money into the account. All of the sudden my account was restricted and I no longer could withdrawal my money. I called customer support and they said all they need is bank statements to verify me, however, when I provided this they never lifted the restriction. They also kept telling me that it will be resolved on a specific date, however, they keep pushing that date back. My money is sitting there and can not be withdrawn and I keep calling customer service and they keep telling me that only a supervisor can help me but a supervisor is never able to talk to me nor they contact me.
Consumer complaint received 2017-03-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: AMERICAN EXPRESS COMPANY (NJ)

I have several accounts on my credit in which I have asked the creditors to " validate '' their information. Validate if I was ever late, details when, validate if a debt was mine- I just keep on getting same response : nothing. my rights under FCRA have been seriously violated. law says if a creditor can not validate/prove in 30 days of my dispute, they must remove. I am writing to you about American express, XXXX and XXXX. I will give account numbers upon request.
Consumer complaint received 2016-04-13
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XXXX occasions in the past 12 months, I / we have received our bill for our Capital One XXXX much later than expected. During the last incidence, the billing cycle ended XXXX/XXXX/16. Capital One 's telephone support claims that the bill was mailed XXXX/XXXX/16, yet we did not receive it until XXXX/XXXX/16. The due date is XXXX/XXXX/16. Although we can easily pay the bill, this gets to be a tight turn around and has nearly resulted in several late payments. Either Capital One is inadvertantly failing to mail their statements late, or they are sending statements too late in the hopes of generating revenue through late payment fees and interest. Or the postal service is not doing their job properly, but we have not had problems with other mail arriving late.
Consumer complaint received 2016-03-31
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (LA)

My father died in 2009 with a mortgage debt that was in pre foreclosure. I inherited the property and have been communicating with the mortgage company since his death to rectify the mortgage and bring it current. I went through loan modification programs, I 've sent them a lump sum payment in which they returned and then they denied the modification and told me I had to assume the loan and while going through that process, they foreclosed on the property. Almost 2 years later they rescinded the foreclosure. I then put the property up for sale and because of the years that has passed the loan has nearly doubled causing me to have to sell it for less than what I owe. The bank then denied the short sale. Currently, I am re listing the property again for a higher amount but the loan is still almost double. I have asked that they forgive and/or waive the accrued interest, attorney fees, late fees and other expenses as they wrongfully foreclosed on the property. The latest payoff still reflects all of these fees and accrued interest including the years that they wrongfully foreclosed on the property.
Consumer complaint received 2022-02-13
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. (MI)

Hello, I filed two rounds of letters with TransUnion, XXXX and XXXX on XXXX XXXX and XXXX XXXX and the accounts still remain and have not been fully validated. TransUnion sent me a second letter stating since they attempted to complete an investigation the first time, they will not be conducting a second investigation on the accounts.
Consumer complaint received 2016-09-17
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Credit & Collection Recovery Services, Inc. (AL)

Got another rude and harassing phone call again. CCRSI is a very unprofessional company that will do anything to collect on a debt. This has been ongoing and starting to get really frustrated. They called me yesterday asking do I have any attempt to handle this business matter or do I want them to proceed with legal matters. I asked them like I have done in the past to stop the harassment calls, but obviously that is n't working any. So I just hung the phone up. But this time I was able to record the conversation and will use it to the best of my abilities, cause the so called VP has stated in other complaints they do n't show any call history being made to me. Well I got proof this time around.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (GA)

Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this.
Consumer complaint received 2019-09-30
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Your company illegally pulled my credit within the past 2 years. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.
Consumer complaint received 2016-07-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I contacted Equifax to dispute an unauthorized inquiry from XXXX. Equifax refused to dispute and after a complaint against XXXX, XXXX indicated they sent a letter to Equifax to remove the inquiry and it still has n't been removed. I attached the letter.
Consumer complaint received 2022-09-06
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. (CA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX have 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 an account without my written instructions.
Consumer complaint received 2022-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

My husband passed away XX/XX/22. His SS payment of {$2000.00}. was direct deposit on XX/XX/22 to Chase Bank but bank subsequently placed on hold. I presented the SSAXXXX form per Chase 's request to bank 's assistant XXXX XX/XX/22 which states " the payment paid on XX/XX/22 of {$2000.00}. is due to the claimant. Please release the hold payment ''. Form also included a letter from SS stating " SSA DOES NOT HAVE A HOLD ON THE PAYMENT ISSUED XX/XX/22 IN THE AMOUNT OF {$2000.00}. THE NUMBER HOLDER WAS DUE THIS MONEY AS SSA PAYS A MONTH IN ARREARS ''. Chase 's assistant XXXX called XX/XX/22 to inform me check had been released. The following week it was placed on hold again & as of XX/XX/22 his payment is still on hold. I've made numerous calls to each department they claim is " reviewing '' this hold plus sitting in the bank manager 's office for hours who offered XXXX but no help. Received bank message on XX/XX/22 that hold was now in Decedent dept. who states it will be sent for review again. I've spent the past week dealing with totally inept employees either in person or on the phone to the point of exhaustion. The mental distress over losing my spouse and then to endure Chase Bank 's malfeasance & total disregard of their mistake goes beyond a " complaint ''.
Consumer complaint received 2024-03-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC. (TX)

I engaged in day trading with my rent funds last Friday, intending to withdraw them today to cover essential bills. However, my account is currently locked on Robinhood, preventing an immediate withdrawal. This unforeseen circumstance has caused a delay in meeting my financial obligations. I seek assistance in resolving this matter promptly, or I may need to consider legal action. My rent is due today
Consumer complaint received 2021-06-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kingston Data & Credit International Inc. (OK)

I went to this gym 2 times almost 5 years ago!!! Never went back and canceled. I was under the impression that I was on a month to month and could cancel anytime. Its been almost 5 years ago XXXX of 2016 and Ive never heard anything from them and now theyre trying to sell me debt to someone and slap it on my credit 5 years later! This is ridiculous.
Consumer complaint received 2016-08-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America mortgage department sold my loan to a servicer call XXXX without notify me or acknowledge me. Since BOA took over my loan from countrywide, they discontinued my online bill pay services. Unless I open a BOA saving account otherwise they wo n't let me use online billing services. After awhile they sold my loan to XXXX.
Consumer complaint received 2017-02-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NC)

On XX/XX/XXXX I received a letter from my insurance stating my homeowners insurance has not been paid and it was escrowed by Ocwen. After lots of time on the phone and help from my insurance company, it was overnighted and paid. XX/XX/XXXX I received a check for {$590.00} from the escrow dept stating our escrow account was overfunded and this set it right. XX/XX/XXXX I got a letter from Ocwen 's escrow department stating I owed them over {$600.00} to make the escrow account balanced and included a schedule of increased payments to catch up the account. After much time on the phone with a customer service rep and later the supervisor, I decided to cancel the escrow account and per their instructions wrote a letter that was signed by my wife and myself stating all the supervisor requested plus a check for {$51.00} that would bring the account to XXXX and allow the cancellation. I was told they needed 10 days in order to make this happen and mailed the letter with the check on XX/XX/XXXX. I was told the adjustment to the auto draft would be automatically made and the XX/XX/XXXX draft would not include the escrow amount. However, it did and further I received a monthly bill on XX/XX/XXXX stating an amount of the payment for XX/XX/XXXX which still included the escrow amount. Checking my account, I found they had taken the escrow amount, which should have been cancelled ( we have the cancelled check that was inside the letter ) with the XX/XX/XXXX payment and clearly they had not cancelled the escrow payments. I called customer service on XX/XX/XXXX and spoke to an escalation Supervisor who stated he needed 3 - 5 days to look into it. I firmly but respectfully expressed my dissatisfaction with his company and I am now awaiting response. This blatant incompetence on the part of Ocwen is irresponsible and I regret having them escrow my property taxes and insurance which I will pay myself once they figure out how to cancel the escrow and pay me back what they took in an unauthorized way. Please warn others about having an escrow account with Ocwen who clearly ca n't manage those accounts.
Consumer complaint received 2016-10-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (TN)

We have filed this complaint over and over and once again our request for proof of the debt and requested information i.e. communications from them to us has not been provided. We requested a copy of any correspondence including audio recordings given to us so we can forward to our attorney and to the Attorney General. We will vigorously continue to fight this type of predatory lending where an agreed upon amount is established in court between the consumer and the attorney and then after the consumer has paid off the amount they are told oh no that was not the correct amount. We have the documentation and have sent it to the Attorney General 's office. This is predatory lending at the highest.Attached is a new judgement brought against us without notification from them that they were filing and the attorney who has contacted us. This is the only way we have been notified of any court proceedings after filing. And they still have not provided the documentation.
Consumer complaint received 2024-03-11
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Freedom Mortgage Company (MI)

We have started the assumption process for a VA loan with Freedom Mortgage in XX/XX/2023. After providing the initial documents requested, we heard nothing from the loan processor until just before XXXX. He requested other documents which we provided, but we didnt hear anything back until late XXXX or XXXX. However, the person we heard from was a new processor. We had to start the process over, providing the same documents to processor number two. Processor number two requested additional documents which we provided but havent heard anything from that processor only to learn that she no longer works there and we are on processor number three. We have updated the documents, provided additional documents and extended the closing date for XXXX XXXX, but have not heard anything regarding this closing date. We do not know the status or if we are even receiving a closing date. We are all very tired. This should never take this long. I have reached out to the new processor several times as has my husband. We are on the by side of this period the sellers are very tired and we are all losing money waiting for someone knowledgeable to process this loan.
Consumer complaint received 2016-08-18
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (FL)

I used my American Express Bluebird card to withdraw {$500.00} from a XXXX ATM on Approximately XXXX XXXX, 2016. Following this withdraw there were XXXX unauthorized transactions, in the amount of {$20.00} per transaction, for XXXX. I notified American Express Bluebird on XXXX XXXX and they opened my claim, I would call and follow-up on my claim and I was awarded {$20.00}, on XXXX XXXX, for XXXX that they felt was fraudulent/unauthorized. However, I was notified via email, on XXXX XXXX, that the remaining XXXX, identical transactions, were considered authorized. My account was also immediately canceled by American Express Bluebird stating I was in violation of the agreement section 22D on that same day. I spoke to a representative and was told that the department that reviews and declines disputes is unreachable that there is no email, fax, telephone or address on file and their decisions are final.
Consumer complaint received 2015-08-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX, 2015 I submitted a dispute to Equifax regarding an account that was unlawfully transferred and reporting inaccurate and false information. I requested the descriptions and procedures of the reinvestigation as well, as my attorney has notified me were my rights to have. Equifax continually claimed they verified the account and sent me a notice saying that it was updated with new information. This account was reared and dates were added to include it to be active in 2015. This information is absolutely inaccurate. I requested the descriptions and procedures and they sent me a separate letters, after i wrote a letter requesting their methods of verification, that it was not their responsibility to provide that information to me. I asked who spoke to whom and when and how was this verified and even updated and they refused to answer my question. This investigation was done past XXXX days and finally after months of fighting i wrote them threatening to file an FTC complaint and they did not respond to me again and continually ignored my letters sent certified mail. In XX/XX/XXXX i filed my first CFPB complaint and they claimed, that on XXXX XXXX, 2015 they 'CALLED ' to verify and spoke " personally '' to someone at that department. This " verification '' which they are attempting to falsely XXXX me up with was only done nearly XXXX months to the day that I requested an investigation along WITH the descriptions and procedures, which were never provided to me. This account continues to be inaccurate and it was unlawfully placed on my file. I have never had an account settled or owed to the US Department of Education. Before any transfers were done this account was settled with Pell Overpayments. They verified a transfer with someone else ( a male ) i am a woman. Therefore this account was never authorized to be paid or transferred by me. The Us Dept of Eductaion knows that they falsely transferred this an do not wish to be honest about it andI have filed a formal complaint against them and they have informed me that they are checking phone records and signatures to investigate who authorized this account to be transferred when no amount was due to them and no one ever spoke to me. I have never been delinquent on anything in my life. There has been a tremendous injustice done unto me and they refuse to see that this account is under investigation and was fraudulently placed on my file. Equifax is lying about doing an investigation, they have no proof, they send me NOTHING and they had not responded in over XXXX days initially and now they claimed to have called on XXXX XXXX? No, that is unprofessional, unacceptable and too late. This account must be removed immediately!
Consumer complaint received 2024-03-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (TX)

I was using the Gemini company to place and order in for crypto just in case the crypto dropped below a certain amount. I made XXXX orders, XXXX of which went in correctly and the last charging me XXXX XXXX XXXX XXXX XXXX  not the amount of money I wanted to place in the coin. Because of this, I went and canceled the pending transaction when a {$50.00} order became a {$3500.00} transaction. Gemini still ended up withdrawing my money through an ACH transaction in which I called my bank to reject. Gemini responded by sending me an email that they froze my account due to the transfer error and told me to contact them. I've contacted them several times and have been ignored, while my money is locked up and unable to access. This is the problem I am facing. There isn't a phone number or someone to speak through, it's all through email.