davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (MD)

We refinanced our home with XXXX XXXX  in XX/XX/2021. We received a notice dated XX/XX/XXXX that the MSRs had been sold to Fay Servicing. We received another notice dated XX/XX/XXXX requiring us to establish an escrow for homeowners insurance. Fay had no right to do this, because ( a ) no escrow was required by XXXX, and ( b ) we were not in default of our obligation to pay XXXX for our homeowners insurance ( i.e., our insurance was effective, as required by the mortgage ). We called Fay to fix this, and were told that if we provided proof of insurance, they would not require the escrow. We reached out to our insurance broker, who said he would send a copy of the policy and added that he would call Fay to discuss/confirm. We followed up to ensure he did so. 

Oddly, we were separately advised by XXXX that Fay had paid a {$79.00} charge on our account on XXXX XXXXa charge for which we had not been billed at that time and which we paid in due course on XX/XX/XXXX ( before we knew Fay had paid ).

This complaint arises because Fay called us XX/XX/XXXX ( we did NOT receive written notice ) to tell us that ( a ) we were obligated to reimburse Fay for its {$79.00} payment of XX/XX/XXXX, and ( b ) if we did not reimburse them immediately, they would start an escrow as of XX/XX/XXXX. Fay erred in two ways. First, they did not have the right to make a protective payment for the insurance, since our insurance had not lapsed and there was no reason to believe it would lapseparticularly because we had not been given an opportunity to pay the additional amount. Second, since they made the payment and knew that our insurance was effective, they had no right to use the threat of establishing the escrow as leverage to get us to immediately pay the {$79.00} ( manufactured ) deficiency in our account with Fay.

Of course, we did pay it, because thats what citizens do when threatened by an aggressive debt collector. But we also have the time and industry knowledge to know that Fay acted inappropriately here. We are not RESPA
experts, so we can not say whether Fays practices were illegal. But I can assure you that Fay is taking advantage of other customers in similar ways, since we spent quite a bit of time explaining to them why this sequence of events was problematic, and they really didnt care. 

We would greatly appreciate your investigation of this matter. We will make a similar complaint to the appropriate authorities in Maryland. 

Thanks
Consumer complaint received 2019-10-26
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. (OH)

I have attempted to send letter to all three credit bureaus ( transunion, XXXX, XXXX   ) with no solution. These letters was first sent to the bureaus on XX/XX/2019 with only a response from TransUnion that I should contact the creditors, which I did at the same time as the bureaus. XXXX and XXXX provided no response and no deletion for the unauthorized inquiries. On XX/XX/2019 certified letter was mailed out again to the bureaus ( XXXX, XXXX and XXXX ) for the same inquiries and I also mailed letters to each creditor that sent those unauthorized inquires.
Consumer complaint received 2023-01-12
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. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2023-05-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services (TX)

There was class action lawsuit that was filed against the university I attended thereafter in court declaring the dismissal of student loans if those qualified students that attended within the timeframe in which I was eligible. In my efforts contacting student loan servicer about this matter I was unable to get an answer nor was I able have the student loan dismissed from my credit report so I am in hopes of contacting you to find resolution regarding this matter and have student loans debt removed from my credit report. 
I am coping and pasting the case information for more clarification and details for your review. The U.S. Department of Education recently announced that it will approve federal student loan forgiveness for XXXX borrowers who were deceived by XXXX job placement claims and submitted a valid borrower defense application. The Department of Education is continuing to process new and existing applications and expects to approve additional claims. All borrowers with approved claims will receive full loan forgiveness.
Consumer complaint received 2020-07-08
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. (WA)

XXXX  ; XXXX  and Transunion should not be reporting a collection in the amount of {$740.00} on the XXXX XXXX XXXX XXXX account, original account holder XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License for identification purposes. ) This is military housing and our housing is paid for by allotment. When we vacated the premises there was no outstanding balance due and therefore nothing to collect. This account needs to report a {$0.00} balance due. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 a hard inquiry was posted to my Equifax credit report from XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX I have contacted both merchants with whom I have accounts with issued by XXXX and they have confirmed this was not initiated by them. I have contacted Equifax who will not investigate it or provide any other details about the inquiry. They require a police report or a completed complaint form from the FTC. I originally went to the FTC  website https : //www.identitytheft.gov/ but was redirected here. 

I am at a loss to understand why XXXX would do a hard inquiry when both accounts have been open for years. Please contact me so I can get his resolved.
Consumer complaint received 2022-02-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

To avoid admission of its intended deception, fraud, XXXX XXXX XXXX XX/XX/XXXX responded to CFPB XXXX : " XXXX XXXX XXXX XXXX is in receipt of the complaint. Due to the nature of the debt, the consumer must provide written authorization to speak with a third party. This letter can be mailed to XXXX XXXX XXXX, XXXX, PA XXXX. Please be advised we can not discuss any details with a third party without the consumer 's written consent. '' The requested fair resolution to this issue was : " Email XXXX all evidence of validity of this debt; including but certainly not limited to, all copies of ALL billings to XXXX XXXX, all insurance billings, all medical records of all alleged service ( XXXX ), all insurance denials and the name and address of XXXX you have used. '' One fact specifically requested was XX/XX/XXXX billing to manufactured insurer XXXX XXXX to match against XXXX XXXX XXXX 's XX/XX/XXXX provision of this false bill.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I leased a XXXX XXXX XXXX XXXX at XXXX in XXXX New Jersey on XX/XX/2016. I signed a lease contract with XXXX XXXX for a thirty-nine month term. The auto lease contract was incorrectly stated on my credit report as a three month lease and the lien holder information was incorrect as well. I submitted a copy of my auto lease contract to Experian, XXXX and XXXX  ; with no resolution. 
I am attaching a copy of my auto lease that I signed with XXXX XXXX along with a copy of my credit report. The information furnished on my credit report does not match the payment terms indicated on the signed lease contract. Please remove the incorrect information on my credit report. The account is in a charge-off status due to clerical errors.
Consumer complaint received 2019-10-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Deinde Online Services, LLC (MO)

I took out a installment loan with Integra, in XX/XX/XXXX I reached out to company asking for help over the month of XX/XX/XXXX as i was not able to make my payment. I was assured that my next payment would not be due until XX/XX/XXXX. On XX/XX/XXXX the debited my bank account which caused me a XXXX overdraft fee. I instantly contacted them. Was assured they would refund my payment as well as my overdraft fee in 2-3 business days. On XX/XX/XXXX I reached back out to be advised they would issue my payment back but not my overdraft that would be credited toward my balance. On monday XX/XX/XXXX I followed up to be told it takes 2 full business days for the payment to clear and then time to process refund but that it was on it's way. I was told this again Tuesday and on Wednesday I was told it had been processed and on it's way to my bank, on Thursday I reached out again to be told that they're working to resolve the issue ... no longer stating I would receive a refund but that the supervisor couldn't process the refund and it had to be sent to upper management. Today XX/XX/XXXX I reached out again and told that upper management has not reviewed my account yet but that I would hear from someone when they do. No longer recieving even an ETA for when this will be returned.

This is a horrible way to run a business based on trust. I was honest with them and they withdrew money from my account without authorization after stating they would not and now are refusing to refund the money they were not authorized to take. 

I would like the refund of the payment that was not authorized as well as the overdraft fee I was charged due to the companies unwillingness to honor the email they had sent stating I would not have a payment pulled until XX/XX/XXXX
Consumer complaint received 2021-05-31
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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (TX)

Community loan service reported me late while on forbearance which has since been corrected. However iam still showing 6 late payments that were never late and company seems to act ignorant to the fact they dont care they are ruining my life.
Consumer complaint received 2023-05-10
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX  Date of inquiry XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XXXX XXXX  Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX  Date of inquiry XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX
Consumer complaint received 2023-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MO)

In XXXX of 2021, I made what I thought was a legitimate purchase of an electric bike. However, after not receiving it, I contacted my local branch of Citibank and an investigation was begun ( I was told ). 

Since that time, I have been asked 6, ( YES, 6 ) time to submit the same information to Citibank and still have not received my funds. 

The charge of the bike was {$99.00} and {$12.00}. XXXX XXXX XXXX XXXX, plus {$2.00} insurance. 

The original company I thought I was buying it from, Wayfair, informed me after I contacted them that the site which sold me the bike was fraudulent and not a Wayfair site. Further, speaking to the local post office, I was informed that the 'alleged delivered " package weighed only 7 oz. 

I wish to file a complain on Citibank as I have been getting the runaround for 1 and 1/2 years now. I spoke to a representative who informed me the complaint was closed. I was never informed of it being closed, nor have I gotten my rightful refund in the amount of {$110.00}. 

How, I'm wondering, can a customer file a complaint, it be closed and the customer not be informed of the result of the investigation? As far as I knew, Citibank said they'd investigate. Apparently, someone dropped the ball here. 

I want to have them return what is rightfully mine, the money. 

Thank you.
Consumer complaint received 2019-10-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX I tried sending money to my friend XXXX XXXX through Chase Quick Pay with XXXX as he was travelling abroad and urgently needed money to cover some bills. 
On XX/XX/XXXX I sent {$2000.00} to his registered XXXX mobile number ending XXXX, XXXX transaction # XXXX from my Chase checking account # ending in XXXX. Since he did not recieve the money into his XXXX XXXX XXXX Account, I tried sending {$2.00} on XX/XX/XXXX to the same number, XXXX transaction XXXX but he did not receive that as well. He checked his online banking account at XXXX  XXXX XXXX, but he did not see the deposits. He was unable to verify with XXXX  XXXX XXXX until XX/XX/XXXX as he was travelling. On his return on XX/XX/XXXX he called XXXX XXXX XXXX and they indicated that they did not receive the money. Also we realized his XXXX XXXX XXXX XXXX account was registered with his email address and not his phone number. He immediately registered his mobile phone number ending XXXX to his XXXX  XXXX XXXX XXXX profile. He was successfully able to register the number and I also sent him {$1.00} through Chase Quick pay on XXXX which he successfully received. But there was no trace of {$2000.00} and {$2.00} transfers that were made to him. Per Chase Quick Pay XXXX guidance, if money is sent to an unregistered mobile number and is not claimed in 14 days it should be credited back to the sender ( my ) account, but that never happened. I called XXXX as well to help me with this issue and they directed me to Chase Bank, indicating that since the transfer was done through Chase mobile app, they have no responsibility. I filed a claim with Chase on XXXX ( Claim # XXXX ) to investigate and they responded back to say that the transaction was authorized and processed correctly and that no adjustment would be made to my account. There is no explanation as to where the money went. I am out {$2000.00} with neither Chase Bank nor XXXX being able to explain what happened to that money.
Consumer complaint received 2022-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NJ)

My credit card company, Chase bank, has a promotions called Chase Offers. There was an offer available to be used at the XXXX XXXX XXXX store. The terms said that I needed to make two purchase greater than {$37.00} each and would receive a credit for {$75.00}. On XX/XX/XXXX I made two purchase that were {$53.00} each. Shortly after I received an email stating that I " ... just used one of your Chase Offers ''. I then logged onto chase.com where I saw the two charges for XXXX XXXX XXXX. 

On XX/XX/XXXX I logged into chase.com to pay my credit card bill and noticed that somehow the XXXX XXXX XXXX charge was changed to XXXX XXXX. I then called chase at ( XXXX ) XXXX and opened a case for my self and my wife. I was told to call back to get the status after a few days. On XX/XX/XXXX I called to get the status and was told it was in my favor and i should get the credit in a few statements. 

On XX/XX/XXXX, I received a letter stating that my request was denied. I am now out of the return window at XXXX XXXX XXXX so I called to speak with a supervisor to find out how this " bait and switch '' and outright lying could have happened. Another case was then opened to review the phone call were I was told that a credit would be forthcoming. 

Case number XXXX
Consumer complaint received 2019-10-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I was communicated from bank of America thru the cfpb that bank of America submitted their responses since XXXX 2019 directly to the consumer. I received 1 response which included someone else 's info along with mine XXXX 2019. I have not received the other approx 8 responses as stated by bank of America. I have tried numerous times to reach bank of America via Online boa email feedback sessions sent and via phone XXXX regulatory XXXX XXXX and others. Attached phone call recording of XX/XX/2019 where boa auto system XXXX would not recognize my entering of reps extensions to communicate with boa.. I will report boas responses to my address if XXXX  XXXX Asi ntercepted in my us mail Please bank of America resend your responses again certified. 
Thank you
Consumer complaint received 2023-04-18
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 — Was not notified of investigation status or results
Company: Alorica Inc. (TX)

I've disputed inaccuracy on my credit reports. I've asked all three credit bureaus to verify the accuracy of the accounts if not, remove them. I've asked specifically for those who verified the accuracy of the account and to verify the accuracy across all three credit files. The information always comes back as verified with no information on how or who verified the information.
Consumer complaint received 2024-09-01
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. (TX)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, Section 6, 2, which affirms my right to privacy. Furthermore, under 15 USC 1666b, a creditor is not permitted to report a payment as late on an open-end consumer credit plan for any purpose without my written instructions The account late payments in question are the following : Account # : XXXX XXXXXXXX XXXX Account # : XXXX XXXX XXXX
Consumer complaint received 2024-11-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken (DC)

On XXXX XXXX XXXX, I deposited {$2000.00} into my Kraken account. The funds were successfully credited to my account. However, when I attempted to purchase a cryptocurrency, I encountered a " Transaction Error. '' I contacted Kraken Support immediately and followed all the instructions provided, including steps shared via email and other communication channels. Despite completing everything as requested, my account was deactivated, and I have been unable to access my funds or make any transactions since then.

The last communication I received from Kraken was on XX/XX/scrub>XXXX XXXX XXXX but no resolution was provided. It has now been 12 days, and my account remains deactivated. This has severely impacted my ability to manage my investments, including realizing significant profits I made on an XXXX XXXX ( over 100 % gain ). 

My portfolio value is currently {$7000.00}, and I am unable to access or utilize these funds due to the deactivation of my account. I believe this situation is unjust and unfair, and I am seeking assistance to have my account reactivated immediately so I can resume trading and manage my investments effectively.