davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAVALRY INVESTMENTS, LLC (IL)

Ive contacted the company multiple times regarding the validity of the debt and sent numerous letters with no response. In addition, thet are also reporting as open on my credit reports and as a collection agency they ca n't be reported as such. To conclude all XXXX credit bureaus are reporting some form of information incorrectly.
Consumer complaint received 2024-05-16
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: MEI AUTO FINANCE INC (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX XXXX XXXX XXXX. Notwithstanding section 604 [ 1681b ] or any other provision of this title, XXXX XXXX XXXX shall furnish to the Federal Bureau of Investigation the names and addresses of all financial institutions ( as that term is defined in section 1101 of the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 ] ) at which a consumer maintains or has maintained an account, to the extent that information is in the files of the agency, when presented with a written request for that information, signed by the Director of the Federal Bureau of Investigation, or the Director 's designee, which certifies compliance with this section remove late payments 15 USC 1681 ( A ) ( 2 ) ( I ) 12 UCC 3-301 15 USC 666 ( B )
Consumer complaint received 2024-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

Since our relationship with Chase began, every check we deposit in our business account is put on hold for XXXX hours to XXXX weeks. If we deposit through credit card payment, cashier 's check, or checks, they always state that they put it on a random hold, but it is always on a hold. We are a small business and depend on this deposit to stay afloat. We have attempted to find a solution by applying for a merchant account. Still, they denied it because we do not have enough money or a high deposit history consistently to get approved for a large deposit account, merchant account, or any other business solution ; when speaking to other members of this bank with a small business, we have found that this is not their experience. We tried to deposit a cashier 's check today for XXXX, but it was put on hold until the end of the month. We were told if we deposit a bank guarantee check, it will not be put on hold. We can not run our business when the bank will not let us use the money paid to us.
Consumer complaint received 2016-07-30
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (MN)

I am using discover credit from past seven months. First couple of months it was all good, however thereafter I started facing some or the other issues like unauthorized debits, deducting the same amount twice etc. XX/XX/2016 I really had a horrible experience with them. I activated an auto pay option that on XXXX of every month the amount should get deducted from my checking account. XX/XX/2016, instead of XX/XX/XXXX they deducted it on XXXX XXXX 2016 because of which it got returned as funds were not sufficient. When I called the customer care they confirmed that it was purely technical error and they will represent it as per auto pay date. Surprisingly they represented it again on XXXX XXXX however I had funds so the transaction was completed. 

Now comes the bigger shock for me, as they deducted USD XXXX without informing me from account on XXXX XXXX 2016. When I called the customer care, they tell me that they had sent a cheque of the same amount to me. I did not receive any cheque till date. I never understood as to why a cheque is sent when I have n't asked for it. I had to ask them to reverse it as I was managing my credit score well and this heavy outstanding will hit it badly. They out rightly said they will not do it. I had to speak to one of the supervisor about this and she said she will raise a case but it may take 3 to 5 days. When I tried to confirm the date, she says it may happen and so please keep checking your account and inform us.. So by end of the month my statement will show higher outstanding for the amount that I have not used, impacting on my credit score. Above all creating mental torture for me and increasing my XXXX XXXX. 
The service is pathetic and every month they debit more for the reasons best known to them. DISCOVER CREDIT CARD service is worst and they are good for cheating people. Never ever go for this card as they debit without informing and if you miss the transaction, your money is gone. I faced such cases in a very short span of time. I can share more like this.
Consumer complaint received 2016-10-05
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (TX)

On XXXX/XXXX/2016, my checking account showed pending transactions with a positive balance to cover those transactions by XXXX XXXX. My account did not show a pending transaction for a XXXX payment. Also after XXXX XXXX any deposit to the account will not be processed. During the nightly process between XXXX/XXXX/2016 & XXXX/XXXX/2016, Wells Fargo processed and posted the previous pending transactions that I was aware of at XXXX XXXX Wells Fargo also processed and posted a XXXX payment that I could not see. Because it is a recurring payment, it will be processed even though I do not allow over drafting. However, I could not see the time it came through to my account until the next morning at XXXX XXXX Wells Fargo processes overdraft fees by XXXX XXXX. I deposited {$20.00} cash into the ATM around XXXX XXXX in order to bring my account positive before any overdraft fees. After my deposit, Wells Fargo posted an overdraft fee to my account. This suggests that Wells Fargo took advantage of this recurring payment by not allowing it to post on my account as a pending transaction, but rather process the transaction over night and post it to the account after the nightly processing hours. In doing so, Wells Fargo would be able to assess a profitable {$35.00} overdraft fee for a roughly - {$16.00} balance. This concerns me because I never saw the transaction pending XXXX/XXXX/2016 before XXXX XXXX the cut-off time for deposits. I feel taken advantage of and mislead by Wells Fargo. I also have lost trust and faith in the financial institute and do not have confidence in other financial institutes. Banking is an essential part of my personal life, an essential part of my financialgrowth, and an essential part of my business beginning and growing.
Consumer complaint received 2017-03-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Diversified Adjustment Service, Inc. (GA)

Diversified Adjustment Services was sent an email directing them to cease all contact and collections due to a dispute that was sent regarding this account from the previous collection agency hired by XXXX. The cease contact request was sent on XX/XX/2017. Diversified has stopped calling me and has now begun sending me emails regarding this collection account. I called them again on Tuesday XX/XX/2017 to request that they do not call me or contact me anymore but they told me that they are a debt collection agency and can contact me any way possible. I have attempted to block the emails but they still continue to get through.
Consumer complaint received 2016-06-15
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc (CA)

I attended XXXX University from XX/XX/XXXX through XX/XX/XXXX. I transferred in the XX/XX/XXXX and and graduated in XXXX from another University. Upon graduating my Federal XXXX Loan from XXXX entered the repayment period and I made the minimum payments. There came a period of economic hardship where I was looking for work and needed deferment/forbearance till I was able to earn so I could continue making payments. I informed XXXX University of my economic hardship status and inability to repay and need to enroll my Federal XXXX Loan into deferment/forbearance status. XXXX University said that the Federal XXXX Loan was not eligible for deferment/forbearance unless I consolidated my student loans. They denied my request for the 'deferment/forbearance request forms ' and continued negative reporting to the credit agencies. During the same time I went through my records and found emails from XXXX University confirming the adjustments of my Federal XXXX Loans balance to {$0.00}. I then contacted XXXX University and XXXX University 's XXXX and informed them I have emails from them confirming that my XXXX Loan Balance is {$0.00}. I disputed this with XXXX and XXXX asking them to validate the debt of {$1500.00} Federal XXXX Loan. In return they forwarded my Federal XXXX Loan to Williams & Fudge collection agency. Williams & Fudge has been charging obscene interest rates of over 50 % on the last balance of {$1200.00}. The balance is now {$1800.00}, when the interest rate on this Federal XXXX Loan is 5 %.
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I booked a XXXX  vacation in XXXX for XXXX rooms at the XXXX XXXX. Aprox {$19000.00}. When we arrived my sons room and mine where connected they had major water damage, bathroom door was stuck and you could not get into the bathroom, walls had missing portions, half the rooms electrical did not work, there was water still coming into the room from the ceiling and through the dryer running across the floor, the patio door was being held by a XXXX and water was dripping from the non operational ceiling fan.We had cockroaches running across the floor with dehumidifiers running continuously! I paid with my CapitailOne card and we asked the hotel for a new room or a refund. The refused both. The hotel policy stated we had until XX/XX/XXXX XXXX to cancel minus one nights stay and they did not even honor that. With out the refund we were stuck there. They did that as I believe a common practice. We were sick vomiting the entire stay. Once back Capital One claimed we stayed there and received the service. Its a scam so the hotel doesnt have to refund. I believe Capital One has a working relationship through their XXXX program and we were victims of a bait and switch. CapitalOne refunded me on XXXX of the charge backs saying I was awarded in my favor then rescinded it.
Consumer complaint received 2024-05-18
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: TomoCredit Inc. (FL)

I have already filled a complaint with you regarding tomo boost about closing an account with them.The complaint was closed because they stated account would be closed now there trying to still withdraw money from my checking account without any authorization.this account is paid in full nothing is owed and I have already filled a complaint I want this account closed permanently please help tell them to stop trying to withdraw money after they stated account would be closed please help.
Consumer complaint received 2021-10-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: OAKTREE FUNDING CORPORATION (CA)

I was working with Oaktree Funding Corporation regarding the purchase of my property. My file was not reviewed properly and I ended up losing my deposit on the purchase of my property. Oaktree Funding made up requirements after providing a specific timeline indicating the loan would close on time. 

This company should not be allowed to practice as they will continue to cause harm to other buyers.
Consumer complaint received 2018-03-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Cohen & Associates (IL)

the company called and did caller id spoofing showing on the caller id that they were with the XXXX county clerks office and said they were going to summons me the following day for fraud for not paying a debt owed to XXXX   XXXX. they gave me an " attorneys number for Cohen and assoc XXXX they also gave me an affidavit number of XXXX. When i called the number they threatened that i was going to be served for fraud and malicious behavior to a financial institution and demanded a payment of XXXX via debit card immediately. then when i refused she said she spoke with the " attorney '' she offered for me to pay XXXX/mo for 6 mos. when i then refused that and asked to speak to the attorney she said he would not speak to me. i ended the call. 

The following day i called the number again and demanded their company name as they do not disclose it when they answer the phone. She refused to give it to me and kept asking me who i was trying to call. i asked if they were a law firm and she hung uup on me. i called back and she gave me an address of XXXX XXXX XXXX XXXX. XXXX il. and told me she was giving me notice to not contact them as it was harassment to them. I told her that they were harassing me and they were the ones committing fraud and she hung up on me. I researched the address she gave me and it does not exist in Illinois. it shows as a residential address in Washington. I called the XXXX county clerk and explained the situation. The clerks office said they would report it to the sheriffs department. I wish for the company to cease collecting on debt and provide me with proof of it. i also wish to receive compensation of XXXX for damages. I will also be contacting the attorney general.
Consumer complaint received 2015-12-07
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Blitt and Gaines, P.C. (IL)

XXXX HIED BLITT & GAINES TO HARASS US WHILE COLLECTING A DEBT BELONING TO XXXX AND XXXX. KEPT SKIP TRACING, CALLING WORK, CELL AND HOME NUMBERS.XXXX IS IS LABELING THIS AS MY HUSBAND DEBT FROM CHAPTER XXXX BANKRUPTCY MORE THAN 15 YEARS AGO.THEY XXXX ARE VIOLATORS OF FDCPA, S.O.L. TCPA ETC..
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please see this letter as an immediate request to reverse ( XXXX ) inaccurate late payments from my credit report. I recently reviewed a copy of my credit report. I am concerned because there is information listed that is inaccurate. I check my credit report often because I know how important having good credit is. Any information reporting on my credit report by law must be validated, verifiable if not, that information must be removed or corrected from/on my credit report. 
THIS IS VIOLATION OF THE 15 U.S. Code 1681a- Definitions, rules of construction | U.S Code | US Law| XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) 15 U.S. Code 1681a- 2 -Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. Prohibition ( A ) Reporting information with actual knowledge of errors 15 U.S. Code 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ) the term consumer report does not include ( A ) subject to section 1681a- 3 of this title any report containing information solely as to transactions or experiences between the consumer and the person making the report ; Creditor Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX OH XXXX This account is reporting inaccurate late payment. Please reverse this inaccurate late payment from my credit profile and credit report immediately. 

XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX, Va XXXXThis account is reporting inaccurate late payment. Please reverse this inaccurate late payment from my credit profile and credit report immediately.
Consumer complaint received 2021-10-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NV)

On XX/XX/XXXX, a collections amount of {$3700.00} was added to my credit report from a company called Genesis Credit Management, under the creditor " XXXX XXXX ''. Indebted account was listed as opened in XX/XX/XXXX I do not recognize the owed amount, the debt collector, the creditor, nor the time that the debt was initiated. I believe this was a fraudulent collection added to my credit report.
Consumer complaint received 2021-03-28
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: Experian Information Solutions Inc. (MD)

I have not authorized any company to pull my credit. I believe Im a victim of identity theft, Im investing all my privacy violations these inquiries negatively affecting my rights of privacy. Nor does this affect my past pattern of behavior according to 15 USC 1681 c-2 these accounts must be removed in 4 days.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (TN)

Navy Federal Credit union acct # XXXX failed to provide proof of this account is XXXX XXXX XXXX account with a physical signature for this account. This a violation of 15 usc 1681b for that I didn't consent to this account being reported. Also Navy Federal has failed to validate this account is mines under 15 usc 1692 g validations of debts. I also found that Navy Federal Credit union XXXX and XXXX have been been selling my debt as securities and making profit according to the Sec filings that's filed without my permission. This is also a violation for my consumer rights under 15 USC 1348 which is Securities and commodities fraud
Consumer complaint received 2018-03-16
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: Experian Information Solutions Inc. (MO)

Did not handle our situation today XX/XX/2018! My husband and I went into XXXX to get his free credit report. When we got to Experian and got the credit report on our computer, we couldn't read the report, and it wouldn't let us download the copy of the report. You could only print it, and there were too many pages to print. Our ink was already low! We went to one dispute item to select the reason, and tried to attach a document to the item and the site told us to go back to XXXX to start over again due to our time expired! We already didn't like the items they had on our credit report, and for us to go back to the beginning in order for them to charge us for our free credit report is totally insane! We didn't get to obtain the report number so we could go in the website to look at our report! We should track the credit bureaus! It may not always be the reporting companies! We don't want to have to pay for our free annual report! This is just crazy!
Consumer complaint received 2015-11-27
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: American Financial Resources, Inc. (MA)

American Financial Resources ( AFR ) denied my FHA XXXX loan application due to the fact they " suspected '' the property being purchased " might '' be used for commercial purposes. XXXX guidelines clearly allow me to purchase a " mixed use property '' as long as the renovation funds are only used for the residential buildout, which was clearly the case from the XXXX consultant 's report. We have now lost the property due to AFR 's ineptitude.
Consumer complaint received 2015-07-27
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: GOLDMAN SACHS BANK USA (GA)

GE Capital declined a loan application for a Bobcat vehicle on XXXX/XXXX/2015. They have repeatedly and consistently refused to provide me with information about why they declined this application and where they got any information they used to decline. They financed an identical machine for me about 6 months earlier. One of my local bankers checked my credit report the same day and reported that my FICO score was XXXX, as it should have been at the time, and that there were no derogatory comments listed. I 've received XXXX communications from GE CAP. 28 days after the decline they senbt me a letter stating that if I wished to know why they declined I would have to send them a written request. I did so even though Federal law requires them to have notified me of the problem within 30 days without any action on my part. I received no further communication from them until I filed an internal complaint with GE through my payment contact. I then got a letter two days later stating " Delinquent past or present credit obligations with others '' and The decline was based on limited and poor credit on the company not your personal credit. " They provided no further information as to where or how they have gotten what must be incorrect information. I can not fix the problem when they refuse to tell me where it came from. They 've refused to respond to repeated emails and there is no phone number to reach those people that even internal GE CAP people can find. I 've been told that all I can do is snail mail the address the letter with no useable information came from. And I get no response. GE CAP has consistently and repeatedly refused to comply with Federal law by refusing to tell me where they got information which they used to decline this credit application. 

Application # XXXX Date XXXX from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (NC)

Loancare acknowledges payment of account in full in XX/XX/XXXX but has certified that 180 day late payment on my XXXX  credit report in XX/XX/XXXX is valid. Due to this willful and wrong reporting i have been denied credit. 

XX/XX/XXXX I sent certified mail requesting that this is corrected XX/XX/XXXX I sent certified mail requesting that this is corrected XX/XX/XXXX I disputed this with XXXX  XX/XX/XXXX XXXX  reported that the company that reported the information has certified to XXXX  that the information is correct XX/XX/XXXX Filed a complaint with Consumer Financial Protection Bureau XX/XX/XXXX Mortgage servicer provided letter stating that payment history is being reported correctly while contradicting themselves in letter I have called the number given to me in the XX/XX/XXXX letter everyday since then and the office has been closed everyday since.