davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

SchoolsFirst FCU continues to report inaccurate information on my consumer report. Per 15 U.S. Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. " The IRS clearly defines a charge-off as GROSS or Ordinary Income. Income does not get reported on a consumer report. I filed a 1099-C on two accounts with the IRS that have been accepted. As of now, SchoolsFirst FCU is prohibited by law to continue furnishing inaccurate information on my consumer report. 

Also per 15 U.S. Code 1681a ( 2 ) ( i ) - ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; It is also prohibited for SchoolsFirst FCU to report any transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: California Business Bureau, Inc. (CA)

I contacted California Business Bureau regarding four accounts from XXXX XXXX that are on my credit report. I am unsure what these are for and I don't have any knowledge of these accounts. Despite my attempts to contact them, I have not heard back.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Submitted complaint to Credit Reporting Agency Transunion on XX/XX/2022 they received complaint XXXX on XX/XX/2022 still Open and it bend over 30 day whit out a resolution. I provided factual info directly from the credit report. 

In accordance with the Fair Credit Reporting act. Credit Reporting Agency Experian are in Violation of Law 15 U.S. Code 1681i - Procedure in case of disputed accuracy Violation of 15 USC 1681i ( a ) ( 1 ) ( A ) ( 5 ) ( A ) ( ii ). 


if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, In accordance with the Fair Credit Reporting act. Credit Reporting Agency Transunion are in Violation of Law 15 USC 1681i ( a ) ( 1 ) ( A ) ( 5 ) ( A ) ( ii ).

Before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. 

An item of the information is found to be inaccurate or incomplete. 

Promptly delete that item of information from the file of the consumer,
Consumer complaint received 2024-03-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (TX)

Hello, We're filing this complaint with the hope that you will assist us in completing our Deed in Lieu / Cash for Keys request with PHH Mortgage. We've been working with them since XX/XX/XXXX on this matter and are continually redirected and asked for documentation irrelevant to our request. 

Our son, XXXX XXXX, is on the Deed of our home and has occupied the property for many years. Unfortunately, he had a marital issue that has brought him/us to this point and caused the property to be placed into active foreclosure. There was a sale date set for XX/XX/XXXX, but, when pressed on this matter, PHH put all foreclosure activity on hold and allegedly began the Deed in Lieu process with us. Since XX/XX/XXXX, we've been asked, repeatedly, to submit a full loan modification request application, and on numerous occasions, PHH has also claimed that there was an active modification application in process. We were also sent a letter, dated XX/XX/XXXX, claiming the application was withdrawn at the request of the account holder. Again, there was no formal request made on our behalf. As you can see from our most recent conversations, PHH is playing out a delay tactic to move to the inevitable- selling the property at auction. 

XXXX has found a job in PA and will be leaving Texas on XX/XX/XXXX. Given that we, XXXX XXXX and XXXX XXXX XXXX, reside in California, the property will be vacant after that. 

Will you please assist us in our effort to resolve this matter and finalize a deed and XXXX and cash for keys request? Your help is greatly appreciated!
Consumer complaint received 2024-03-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Receivable Management Services LLC (OK)

receivable management is not licensed or bonded in the state of Oklahoma and they are harassing me attempting to collect a debt I do not know of. I've asked for copies of my contract with a wet signature and they have yet to furnish anything. They are stating i owe a debt for {$660.00} with the account number XXXX
Consumer complaint received 2024-03-01
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRUIST FINANCIAL CORPORATION (FL)

Regional Acceptance is in violation of the Fair Debt Collections Practice Act and also the Florida Consumer Collections Practices Act. 

Both regulations/acts prohibits debt collectors from repeatedly or continuously calling you with the intent to harass, oppress, or abuse you.

Under the Debt Collection Rule, collectors are presumed to violate the law if they place a telephone call to you about a particular debt : XXXX. More than seven times within a seven-day period, or 2. Within seven days after engaging in a phone conversation with you about a particular debt Regional Acceptance has placed at least 20 calls to my mobile number since XX/XX/. This pattern has repeated itself on a weekly basis for several months. 

On XX/XX/2024, I contacted Regional Acceptance and established a Right Party Contact with 2 different agents and discussed my account. The last representative, XXXX advised me he was going to send my account to Management for review of a possible settlement. XXXX advised me that someone would contact me back via phone to discuss that settlement. Permission was given for this contact. 

On XX/XX/2024, I received a phone call from XXXX who advised me of the past due nature of my account and advised me that she was not contacting me regarding the settlement proposal and she was calling via an automated dialer to collect the debt. 

I explained to XXXX that I was shocked to be receiving a collection call since I had contact yesterday about the status of the account and was only expecting a call back about the settlement proposal. I also explained that the phone call was in violation of FDCPA which prohibited contact with me for 7 days since I had just spoken with them yesterday. XXXX advised me that she was allowed to call me because I didn't secure an arrangement on my account during previous discussions. XXXX also went on to explain that she was only doing what she was trained to do and wasn't familiar with any of the regulations/acts that I was describing. 

During this conversation with XXXX, XXXX also called me from Regional Acceptance about the settlement proposal. I explained to XXXX that I needed to release the call with XXXX. 

XXXX explained the settlement request I had made was counter offered. I explained to XXXX that I was no longer interested in a settlement and that I intended on filing this complaint and potentially pursuing litigious activity for violation of the above mentioned. 

I deem the repetitive phone calls and conversations harassment.
Consumer complaint received 2024-03-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (AL)

Our original loan was with XXXX XXXX. In XXXX  they sold our loan to XXXX XXXX  which is now being serviced by Mr cooper. Recently we received a statement from Mr cooper that our escrow account was low and we needed to increase our monthly payments. I immediately tried to contact the company to let them know that we were not responsible for paying property taxes since my husband is XXXX  % veterans administration XXXX and the county exempted us from paying property tax, therefore the amount of the increase wasnt needed because we would not be paying property taxes. I attempted for an entire week to call them and the automated system constantly kicked me out and I could not get a live agent. I finally got someone on the chat function and they told me to email the information from the local property assessor to verify that property taxes would not be paid. That has been about 10 days ago and I still have not received a call back from the company or an email. I have tried every day again this week to call them and get a wide variety of issues from being kicked out of the phone system to today getting a message that their system is down. On another day the automated system said they were closed for a holiday, but there was not a holiday.
Consumer complaint received 2022-06-16
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. (GA)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX XXXX ), Account # XXXX ( XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX co XXXX XXXX Account # XXXX ( XXXX XXXX XXXX by XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  ) and Account # 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 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I sent CapitalOne a letter informing the company of a billing error. I asked them to provide all documentary evidence on the public and private side according to the stipulations of the Generally Accepted Accounting Principles ( GAAP ), along with other instructions. I also asked that the account be treated as being in dispute. They then closed the account. The account should be in dispute. The account shall not be closed while it is in dispute for a billing error according to 12 CFR 1026.13
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NV)

I was scammed out of money. It started on XX/XX/XXXX. Someone contacted me on XXXX claiming they could help me out financially. They sent me {$1800.00} on XX/XX/2024 and they asked me to send {$1300.00} of it to a church for charity. They sent me the XXXX  information for that supposed church, and they said to already send the {$400.00} to the XXXX  info given, an amount that would be available to me instantly. 
I had already sent the money via XXXX  on the same day XX/XX/2024 when I realized it was a scam, after being advised by my parents. 
I called my bank on XX/XX/2024 and a claim was made on my behalf same day of both transactions being fraudulent and a scam. 
My bank didn't update me for about 9 days on the claims. I had to call to check on it today on XX/XX/2024. And when I did they said they did an investigation and the {$400.00} sent out via XXXX  was not fraudulent and that they aren't reliable for scams. 
But previously they did not even gather any of the evidence I had, so how could an accurate investigation be done? 
They only asked me what happened. But I have screenshots of everything, and I had even gotten a death threat by the people scamming me and they had my number and claimed to know where I live. I received that death threat on XX/XX/2024. I am currently overdrawn, my account balance is- {$12.00}.
Consumer complaint received 2024-02-29
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: AMERICAN HONDA FINANCE CORP (MT)

I have had multiple XXXX of new XXXX and XXXX cars in my life. I am literally like their best customer since XXXX. We have a XXXX XXXX, a XXXX XXXX, and decided to get a new $ XXXX XXXX XXXX. I went to their financial web site and applied for pre-approval, as I have done many many times over the years. I filled out their credit application and it said it was done. I submitted it, as I have always done. It said I would have an answer in 1 business day. XXXX ran my credit. That was almost a month ago. Their web site still says I will have an answer in XXXX business day. Because I had lined up a new car and my dealer was anxious to get it sold, I started calling asking for their help. The representatives at XXXX hang up on me, repeatedly promise me supervisor call backs that never come, and even outright lie to me. I was provided a case number ( XXXX ) that Ive subsequently been told isnt a real case number. They gave me an email to write to ( XXXX ) that goes nowhere. One agent told me my application was stuck and an IT ticket had been submitted to have it fixed, but who know if that is even real since so many lies have been told. I reached out to XXXX XXXX XXXX ( which is supposed to help me as their multiple car customer ), and reached a series of even ruder and less-helpful agents who simply hang up. XXXX says it is open until XXXX in my time zone, but they have been closed before 5. This isnt even about the car anymore. I regret ever giving a dime to a company who treats very good customers like this. This is a horrible way to treat somebody. They told me I had to go to an XXXX dealer. I did. They couldnt get any help. I went to the XXXX dealer that sold us the XXXX XXXX in XXXX. They reached out to their factory rep. Again, nothing. What is worse? Their web site prohibits me from filling out another application for 30 days, so my choices are to live with the meaningless credit hit or wait 30 days and take another credit ding for the same transaction and hope I dont end up in this spot again. My dealer has agreed to return my deposit but I also feel bad they have an unsold car now. I am so sorry I ever got involved with XXXX or XXXX. Absolutely rock bottom east Texas tire fire customer service. Bottom of the barrel. Nothing like giving a lifetime of money to people only to have them hang up on you and lie to you. I could not be more disgusted and will never buy another one again. They owe me an apology.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (TX)

CONTACTED EACH OF THE CREDITORS AND REQUESTED PROOF OF THESE INQUIRIES, WHICH ARE ERRONEOUSLY SHOWING ON MY XXXX CREDIT REPORT. 

THEY DO NOT SHOW THESE REQUEST UNDER MY PERSONAL INFO PROVIDED TO THEM.
Consumer complaint received 2024-03-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2024, I sent a wire transfer from my bank account to a recipient whose account is on Bank of America. However, I made a small very understandable mistake when writing the name of the recipient, and Bank of America reversed this wire and charged an extra {$45.00} fee when refunding the amount back. I had no agreement with Bank of America on this and there were no warnings what so ever and it feels like my money was stolen, and they will not honor it back.
Consumer complaint received 2024-03-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My card has been stolen and purchased ticket on XX/XX/2023 two times amount are {$940.00} for both tickets and I called for dispute on time but two transactions re-bill to my account means I have to pay for those two transactions I didnt made. I called the bank they told me they have documents showing that the tickets under my name and used they give me the case number and phone number to call XXXX, I called XXXX and they cant find any information for me.
Consumer complaint received 2024-02-29
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (MI)

On XX/XX/XXXX I made an online purchase for roughly {$53.00} USD to a local restaurant using an AMEX virtual gift card. The website made an error while checking out and said the payment didn't go through, and to select another form of payment, so I used my personal debit card instead. The next day I went to use the gift card again and noticed there was a pending payment from the restaurant for the {$53.00}. 

I called customer service and they could not in any way understand what happened was not fraud. It was only an error. They gave me a case number and said the process will take nearly 2 months to resolve. 

I checked the gift card recently and noticed the pending payment has been removed. It might have been resolved when the restaurant ran the month-end duties. I called the gift card company back to tell them everything appeared to be resolved and the remaining balance was correct, but they are telling me it will still take another 45 days for the issue to resolve. 

They are not understanding it is not a case of fraud. All that's left on the card is {$69.00} and I would just like to use it and be done with it. The customer service is absolutely awful and of completely no help at all.
Consumer complaint received 2022-06-16
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (FL)

CONTINUATION OF COMPLAINT ID # XXXX. THE RESULTS ARE NOT SATIFIED. THEY LIED TO YOU AND LIED TO ME. THE GAVE ME A CALL ON XXXX XXXX,2022. THAT DAY A FEMALE REPRESENTATIVE SAID TO GIVE THEM 2 WEEKS TO APROXIMATELY THE WEEK OF THE XXXX. NO PHONE CALL AS OF YET BECAUSE YOU CFPB CLOSED THE COMPLAINT. UHMM. PLEASE DO NOT DO IT. THIS IS VERY SERIOUS, DO YOU UNDERSTAND?
Consumer complaint received 2024-02-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Onity Group Inc. (NY)

This past XXXX and XX/XX/2023, I started the process of release of liability, I filled out the application and sent the documents requested, and I received a letter saying that I did not submit the additional document requested which letter which I never received, and that application was canceled. I resubmitted another one in XXXX And they sent a letter requesting additional information, and this time I did receive the solicit list. In XX/XX/2023 I mailed the package of requested documentation and they sent me an email by the beginning of XXXX saying that they did not did not receive the information. Then they said to email all the documents I emailed them I received an email from them stating that I did receive the documents and then two weeks later the end of XXXX. They tell me that they did not have the documents to please send everything on the list again, so I recently mailed another package to the address given by them on the phone with the escalating manager and I mailed it to them and I gave them a XXXX tracking number and they officially delivered received it XX/XX/XXXX and they keep receiving emails from them saying that I did not send the information and theyre requesting it and the requesting it and Ive called them. I spoke to the escalating manager three days ago and they said they were going to try and locate the package. Apparently they want me to send everything again I dont know what else to do. I keep mailing them emailing them and they keep saying they dont receive anything and I dont know what else to do.
Consumer complaint received 2022-06-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Data, Inc. (WI)

I noticed on my credit report that Credit Bureau Data of XXXX XXXX, WI had placed several entries on my credit reports prior to contacting me. 
I have attempted to contact Credit Bureau Data XXXX XXXX  XXXX numerous times via USPS letter, but have received no response from them to either validate the alleged debts or attempt to settle the alleged debts.
Consumer complaint received 2020-05-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (AR)

Last night, XX/XX/2020, Bluebird by American Express randomly permanently closed my bank account along with thousands of others. There is no way to contact them other than to write a letter and no one is getting a guarantee they will be given the money that was in their account. My account was closed for suspicious activity which violated their terms, same goes for the thousands of other accounts. The suspicious activity they are referring to is my UNEMPLOYMENT being deposited into my account. I can not log in, use my card, or even access the money in my account which is almost 3000 . I was given no warning. And I have no idea how to get my money back. Its the middle of the pandemic and I lost my job. If you call the company it will literally just say your account has been permanently closed, goodbye and hangs up. This needs to be fixed. Im going to lose everything if I dont get my money back.
Consumer complaint received 2017-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation (TX)

On  XXXX / XXXX / XXXX  I, checked my credit report. I found that a debt in the amount of {$6100.00} was added to my account from "  XXXX   XXXX   XXXX  '' in  XXXX   XXXX ,  XXXX . When I checked this debtor, I found out that it was for a now-defunct  XXXX   XXXX , which I did attend ( in  XXXX   ) , but I did not owe any money to as I strictly used federal funded loans, and no other loans for my education. I find it more than suspicious that I owed nothing to  XXXX   XXXX  at all when I left in  XXXX  or in any years, until this cropped up on my credit report in  XXXX .     There was no debt owed to this school in any amount of money and now  DEVILLE ASSET MANAGEMENT loc ated at  XXXX   XXXX   XXXX ,  XXXX , TX is on my credit report as the collection agency in charge of this so-called debt. his company is ruining  my credit score with this bogus and unsubstatinated claim that I owe them a debt. There have been no attempts to contact me in order to validate the debt and I 'm sick of this garbage.