davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC. (PA)

Halsted Financial has been contacting me on behalf of XXXX XXXXXXXX XXXX XXXXXXXX. via my mobile phone about a debt owed. The consumer has no contract with Halsted Financial and no debt owed to XXXX XXXX XXXX XXXX. as all debt has been paid and prepaid via the U.S. Bankruptcy confirmed on XX/XX/XXXX ( see XXXX Report No. XXXX, codified at 12 U.S.C.A. 95, House Joint Resolution 192, Executive Proclamation No. 3972.

U.S. Bankruptcy impairs the obligations and considerations of contracts through the Joint Resolution To Suspend the Gold Standard And Abrogate the Gold Clause, - XX/XX/XXXX as it may operate within the State. As States of the XXXX that pledged the faith and credit ( of the people ) thereof to the aid of the National Government in respect to the National Emergency in and around XXXX. The U.S. Bankruptcy/National Emergency , lawful Constitutional money has not been reinstated and is not in circulation to allow the people to pay their debts at law. 
See UCC 1-308 and above. Also see XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wall. 535 535 ( 1866 ) Page 71 U. S. 551 " Nothing can be more material to the obligation than the means of enforcement. Without the remedy, the contract may, indeed, in the sense of the law, be said not to exist, and its obligation to fall within the class of those moral and social duties which depend for their fulfillment wholly upon the will of the individual. The ideas of validity and remedy are inseparable, and both are parts of the obligation, which is guaranteed by the XXXX against invasion. The obligation of a contract 'is the law which binds the parties to perform their agreement. 
I know that Federal Reserve notes are not defined as obligations. See 18USC8 I know that Halsted Financial, XXXX XXXX XXXX XXXX  and the corporate United States the District of Columbia can not use anything but gold and silver coin in tender and payment of debt. See constitution for the united States 1789 article one section 10.
Consumer complaint received 2020-01-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (GA)

Hello. On XX/XX/XXXX we submitted a Customer Renewal Form ( which XXXX XXXX sent that via mail to submit into them asap ) with all our documentation to re modify our loan due to our loan was up for renewal on XX/XX/XXXX. We received another Customer Renewal Form via mail again on XX/XX/XXXX stating we needed to complete it and send it in asap. I emailed XXXX XXXX on XX/XX/XXXX to let them know that I had already provided the information as requested and attached all the documents to the email again. On the same day our mortgage lender replied back stating " This will get me started! Thanks!! ". A week before the maturity date I phoned the mortgage lender and ask for an update on our package and they stated that everything looks great and to continue making your payments and if anything else is needed we will contact you. We thought everything was okay and we didn't have anything to worry about. Come XX/XX/XXXX, a year later we received a letter from XXXX XXXX stating that our loan was going to be transferring to BSI come XXXX or XXXX I believe and we need to start making payments to them. We then received something from BSI with our monthly payment information which was our normally payment amount that we were previously were making with XXXX XXXX. We received another letter about a month later stating that the mortgage had matured and that the full amount was actually due. Since the loan has transferred to BSI they will not help us with anything. We submitted loan modification paper work and they denied us stating the loan had matured. We feel like XXXX XXXX was wrong because we never received a denial or an approval letter on if we were approved and they just kept taking our payments after the maturity date and transferred our loan to a new servicer without forwarding our documentation to be reviewed by BSI. We feel that BSI was wrong because I wrote them a letter and explain the situation and they still wouldn't do anything about it. If we would have received something from XXXX XXXX stating that we were denied ( if we actual were? ) We could have figured something else out. We were in a Chapter XXXX   Bankruptcy at the time and nothing was even forwarded to our attorney 's that we were approved nor denied for anything. We are still in Bankruptcy now because BSI would not accept any payments other than the full amount due per their customer service rep. Now the bankruptcy court has lifted the stay and our home will be facing foreclosure. We just need someone to help us. Thank You So Much! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX BSI Financial Services XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX
Consumer complaint received 2020-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CO)

EQUIFAX KEEPS PUTTING " FAKE, FRAUDULENT AND INCORRECT '' STATEMENTS ON ACCOUNTS THAT ON ARE ON MY CREDIT REPORT AND I AM SICK AND TIRED OF THEM DOING THIS. BY THEM PUTTING THESE STATEMENTS ON MY CREDIT REPORT WITHOUT MY PERMISSION THEY ARE IN VIOLATION OF THE FCRA AND ARE HARMING MY ABILITY TO GET A MORTGAGE. 

THE FOLLOWING STATEMENT " CONSUMER DISPUTES-REINVIESTIGATION IN PROCESS, CONSUMER DISAGREES '' ARE ILLEGAL STATEMENTS ON THE FOLLOWING CLOSED ACCOUNTS. 

1. XXXX 2. XXXX XXXX 3.XXXX XXXX. XXXX XXXX XXXX ACCOUNTS XXXX. XXXX CARD I HAVE NEVER DISPUTED THESE ACCOUNTS AS THEY ARE CLOSED AT MY REQUEST AND HAVE POSITIVE PAYMENTS BEING MADE. WHY WOULD I DISPUTE THEM. I BELIEVE EQUIFAX HAS PUT THESE ILLEGAL STATEMENTS ON MY FILE TO HARM ME DUE TO OTHER COMPLAINTS THAT I HAVE SUBMITTED IN THE PAST. 

XXXX HAS DONE THE SAME THING TO THE XXXX XXXX  ACCOUNTS THAT ARE BEING REPORTED. I DEMAND THEIR NEGATIVE STATEMENT BE REMOVED.
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

My mortgage is currently serviced by Mr. Cooper. I have over the life of the loan had my XXXX XXXX checking account information saved for monthly payments. My payment is due on the XXXX of each month with the XXXX, being the late payment cutoff. I made my XXXX payment on XX/XX/XXXX, within the on-time window, as typical with the saved acct. information. I also received the standard XXXX emails. The first was to acknowledge the payment was scheduled and the second stating the payment was received. On XX/XX/XXXX I was sent an email saying the payment was still due. I checked my account and noticed no payment processed so I paid on XX/XX/XXXX. Again, I received the standard XXXX emails. I do not remember if I called on XX/XX/XXXX OR on XXXX XXXX, when this situation occurred for a XXXX time. When I spoke with the agents they told me that the new payment processing vendor had problems transferring account information from previous database, but to not worry that my XX/XX/XXXX payment would go through and no negative reporting would occur. 

Again this happened on XX/XX/XXXX. But on this date the Mr. Cooper rep asked me to re-enter my payment account information and that the payment would go through. This time it did go thorough and my account is shown as current. 

On XXXX I was sent a certified letter stating I was delinquent and at risk for foreclosure. This letter, and the protentional actions stated within, were exactly what I was concerned about happening in the first place and shows me that XXXX XXXX internal depts. are not communicating and seemingly operating independently. 

I am taking the time to write this complaint not because of the stress, frustration, and inconvenience this caused me, but to see some action taken on XXXX XXXX part to communicate better with their customers AND make sure that the internal processes and departments are talking to XXXX another and not threatening penalization. 

I can only XXXX the pains and headache that would have happened if I was on auto pay and away on extended vacation.
Consumer complaint received 2020-01-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (TX)

Hi, Today I found that my credit score is dropped because the collection agency put debt to my account. I have never heard about this agency. They never contacted me, no email, no contact, and no written mail was received from them. Also, the debt that they are put on my account is invalid since the membership account had not been activated and was closed. 
In addition, when I searched I found that this company is not existed anymore and their license is expired in 2013. There are lots of complaints against them due to the same reason. How come without any notification they can put dept on my account and reduce my score for XXXX!
Consumer complaint received 2023-01-20
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  opened a checking XXXX savings account with Wells Fargo Bank in XXXX XXXX, XXXX XXXX deposited {$78000.00} in our checking account. At some point we transferred some money to the savings account. We are not sure of the exact date at this point but somewhere around XXXX of XXXX all of the money then in our savings account was transferred out, without our knowledge or authority, by Wells Fargo Bank, allegedly to a company with whom we were in dispute at the time. When checking our savings account XXXX seeing what had happened, we immediately went to the bank XXXX demanded to know what had happened. We talked to everyone who would speak with us XXXX no one offered any explanation. We were told by XXXX person that a company had submitted legal papers to the bank XXXX that the bank withdrew the money XXXX gave it to that company. We asked to see the papers. Wells Fargo refused. We asked for the company name XXXX contact information XXXX Wells Fargo refused to give us any information. We were left with no recourse XXXX tried to find information on the internet, other banks, legal advisers. No one could get Wells Fargo to help us. We had no recourse except to hire legal counsel XXXX we could not do that because we could not afford it.
Consumer complaint received 2023-01-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MD)

There unauthorized charge for {$800.00} withdrawn from my account on XXXX XXXX at XXXX and I contacted XXXX XXXX in regards to disputing this charge because it was fraudulent and they denied my claim stating that it was no errors made and was authorized by me.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I bank with XXXX XXXX XXXX XXXX ( XXXX ). 
I had written a check ( check # XXXX ) for {$6000.00} dated XX/XX/2023 to a counterparty who banks with Bank of America ( BoA ). 
This check was deposited by the counterparty on XX/XX/2023 at the BoA branch located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 
BoA presented this check twice ( first on XX/XX/XXXX by referencing an erroneous check number XXXX and then again on XX/XX/XXXX referencing the correct check number XXXX ). 
XXXX reversed the duplicate payment on XX/XX/2023 and claims that the counterparty should have received XXXX of the check deposits since XXXX reversed the duplicate. 
However, the counterparty 's account has not been credited for this check and BoA claims that they have no evidence of receiving duplicate funds for this check in order to credit the counterparty 's account inspite of BoA providing a copy of the returned check to the counterparty with reason for return marked as " DUPLICATE ''. 
Both banks are pointing fingers at each other for this error an taking no accountability. 
Both myself and the counterparty have made multiple in person trips to BoA 's XXXX branch to resolve the matter and have had multiple phone calls with XXXX but we get the run around with no resolution insight. 
Essentially, {$6000.00} ( related to check XXXX ) has been taken out of my checking account for which the counterparty has not been credited. 

Attachments : ( 1 ) Email from XXXX stating this is a BoA issue. 
( 2 ) XXXX and XXXX reports provided by XXXX showing duplicate payments and XXXX return. 
( XXXX ) Counterparty bank statement provided by BoA showing no credit of {$6000.00} for check XXXX against counterparty 's account- refer to line items in parenthesis. Please note that the statement also shows {$6000.00} dated XX/XX/2023 which is on hold. However, that deposit is for a different check for the same amount and is unrelated to this issue. 
Letter received by counterparty from BoA indicating return check XXXX for return reason " XXXX XXXX ''.
Consumer complaint received 2023-01-20
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: EQUIFAX, INC. (FL)

The National Consumer Assistance Plan which is a settlement reach between my resident State of Florida Attorney General Office and the 3 Major Credit Bureaus including Equifax states that Debt collectors must provide information about the original creditor and account type when reporting this information to the Credit Reporting Agency or the Credit Reporting Agency can not report or publish the debt on the consumers report.

The Alleged Debt Collection Account Being Challenged Is As Follows ; ** Alleged Debt Collector Name : XXXX XXXX XXXX  ** Alleged Account Number : XXXX Second : The National Consumer Assistance Plan also states Debt Collectors can not report debt that did not arise from a contract or agreement to pay. I've requested the Debt Collector listed on this account provide me a signed contract or agreement that I have with them and it's been over 30 days and I have not received a response from them. 

Third : Re : XXXX guidelines for Metro 2 reporting states that credit reporting by Credit Reporting Agencies should be done based on accuracy, consumer access, correction, cyber security and privacy. 

( See Attached Reporting of Account From Equifax ) There is much information that is missing from the way the alleged debt is being report ; therefore, how can it be deemed as accurate, complete or correct? 

Equifax as a Credit Reporting Agency ( CRA ) as stated by XXXX they are governed to follow compliance, law and data security regulations. 

This Account Challenge request is to confirm current reporting of the account ( XXXX ) are accurate, complete, meets timelines, and meets compliance based on FEDERAL AND STATE REPORTING STANDARDS concerning law, compliance and data security regulations. 

Also, the Fair Credit Reporting Act 15. U.S.C. XXXX  1681g states I have the right to demand that you disclose the following to me ; ( 1 ) All information in the consumer 's file at the time of the request, ( including all documents you have recorded or retained in my file at the time of this request ) ( 2 ) The sources of the information ; ( 3 ) ( A ) Identification of each person ( including each end-user identified under section 1681e ( e ) ( 1 ) of this title ) that procured a consumer report If you can not provide me with requested information for the challenged account then based on FCRA Section 611 ( a ) ( 5 ) ( A ) ( i ) Treatment of Inaccurate, Incomplete or Unverifiable Information, you must promptly delete that item of information from my credit file. 

Also, please provide Physical Verification As Proof of This Debt
Consumer complaint received 2023-01-20
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: CULLEN/FROST BANKERS, INC. (TX)

Good afternoon, I am wishing to file a complaint against Frost Bank, located at XXXX XXXX XXXX XXXX XXXX, in XXXX, TX XXXX for unfair banking practices and under the Fair Housing Act of XXXX Earlier this day, I came into the Frost Bank location ( address listed above ) to open a checking and savings account for myself, XXXX old and to establish a new community financial institution for security of my funds and much more. Upon entering the location, I was told to wait, and was pointed to sit in a conference room and wait to be seen. After 30 minutes or so, I was greeted by a representative ( who did not offer to move us to a private office ) but asked for several pieces of identifying information which I provided. After hearing some mumbling between her and another colleague, she returned to me and said, " Unfortunately, we can not open an account here for you. We did not run a credit check, but we use a XXXX, and your score was a little lower than what we accept. '' I asked her, " How is that possible. I've never owed anyone, my credit score is well above average, and all of my banking accounts are with XXXX XXXX. '' She didn't respond, she just nodded her head, as I was speaking and smiled. '' Before leaving, she did not offer any resolution, and no information was given to me to investigate this matter further. Not only was this unfair, but having my son with me, to see how to open an account, and I had no explanation for him, was even more disheartening and embarrassing.
Consumer complaint received 2023-01-20
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: Experian Information Solutions Inc. (FL)

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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 or 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 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TN)

XXXX XXXX Had fraudulent issues nothing was done. The representative said it didn't look suspicious even though I had never been involved with that person or company. U don't know how to find those exact dates but if lines are recorded then they should be their about my complaints.
Consumer complaint received 2023-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA (NY)

I have had a General Motors ( GM ) rewards card for more than 15 years and have never had any problems until Goldman-Sachs took over the rewards program connected with their Marcus Mastercard. Recently I learned that the awards that I have been accumulating for a number of years are now being removed from my account. I was told by GM from the very beginning that the awards would never expire, yet Goldman-Sachs has removed hundreds of dollars so far and stated they would continue to take regular monthly amounts until it reaches {$0.00}. They claimed that they could do this because I haven't used any reward dollars to buy a new car for over seven years. As I stated before this was never the case until now. Furthermore, I actually did purchase a new car well within the seven year restriction. The previous amount of reward dollars was approx. {$4700.00} and is now down to {$4100.00} and has been steadily dropping for the past year. I only noticed this recently as I have always been treated fairly and didn't suspect anything until this month. ( XX/XX/2023 ) I received no notification prior to their actions. I have contacted them several times regarding this matter, most recently on XX/XX/2023. After a lengthy discussion with customer service I was informed that the agent couldn't help me and that he would refer it to the appropriate department and that they would call me in " a few days ''. That was exactly two weeks ago today ( XXXX XXXXXXXX XXXX ) and I have heard nothing. 
In summary my complaint is based on : 1 ) That Goldman-Sachs has arbitrarily changed the original terms to my credit card agreement. 
XXXX ) They took these actions without my prior knowledge or consent. 
XXXX ) After repeated attempts on my part they have not acted in good faith to resolve this issue.
Consumer complaint received 2023-01-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

I received a letter from Wells Fargo that my insurance had elapsed in XXXX. I contacted them that day and they said it was sent in error and to disregard. This same thing happened for 3 months I called and they said to disregard the letter each time. The 4th time when I contacted them again they acknowledged the previous calls but now realized it was the flood Insurance not homeowners. I said I would contact my insurance agent right away and have it put back in force which I did they then sent me a bill from the insurance company they own asking me to pay {$1600.00} for the 3 months which had already passed. I never heard of getting insurance for a period of time that had already passed. They told me each time I called that everything was fine but in a money grab they wanted me to pay the cost of a years worth of flood Insurance for 3 months lapse caused by them saying the letters were sent in error. This bank has a terrible reputation for ripping off consumers.