davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Coast2Coast Mortgage, LLC (VA)

XXXXStarted process for refinance with 3 companies to shop the best rates. 
XXXXRefinance application sent to underwriting for Coast to Coast Mortgage. 
XXXX was previously locked with XXXX ( Current Mortgage ) mortgage company and advised by XXXX XXXX Coast to Coast to withdrawal that application they had better rates. I withdrew my application from XXXX and my locked rates XXXXSpoke with Lender at Coast to Coast and he stated I was locked in at XXXX. He called my office directly and the call was recorded. 
XXXXLender sent me an email again stating I was locked in XXXXAppraisal paid for by us, {$560.00} XXXXAppraisal complete XXXXFound out my rate was never locked in because he mixed my file up with another customer and rates jumped. 
XXXXLoan officer stated he would go to his boss and underwriting to see what they could do. 
XXXXStill no update on how he was going to fix this other than increasing my cash to close from {$700.00} to {$9000.00}. Offered to XXXX me money to help offset the mistake. 
XXXX reached out to the owner of Coast to Coast Mortgage XXXX XXXX directly XXXX Left voicemail and sent email. 
XXXX responded that he be traveling for work and could introduce to me to a loan officer. He asked when we could chat. 
XXXXWe spoke via phone and I explained the situation, sent him the recorded call of me being locked in as well as the documents I was provided with the rates. He requested this information and stated he would follow up with me at the latest XX/XX/year>. 
XXXX sent him a follow up email asking for him to review and follow up. 
XXXXFollowed up again via email, he responded and stated he had not forgotten. 
XXXX emailed him again to follow up. 
XXXXHe emailed me and asked when he could call me today. Provided answer and cell phone number. He never called. 
XXXXFollowed up with call, He hit ignore and then sent a text. I replied and asked him when he would be calling. No response. 

As of today, I have had no solution or response for how they could fix this.
Consumer complaint received 2024-11-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

On XX/XX/year> I deposited into my checking account a travel insurance claim award check for {$53000.00} in person at the Citibank branch in XXXXXXXX XXXX. My account was approximately {$3000.00} overdrawn at the time, so I left with a deposit receipt which stated my available balance as approximately {$50000.00}. The next day they closed my account and have been holding the funds ever since. I have attempted to get my money back several times since. I went into the branch to talk about it and they told me it could only be resolved over the phone. On one occasion they told me they had sent the money back to the check writer, but the writer says that the check shows as cashed on their end and they don't have it. Last time I spoke to Citibank they said the check needs to be verified but they couldn't find a verified phone number for the issuer and that's the only way to verify the check.
Consumer complaint received 2024-10-14
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. (GA)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

I have a recurring payment to XXXX XXXX. On XXXX XX/XX/year> USAA processed the payment ( paper check ) and mailed to the Payee. Payment was scheduled to arrive no later than XXXX XX/XX/year>. The recipient did not receive the check. On XXXX XXXX I called USAA to ascertain the status of the payment. I was asked to wait one day and call back if the check was not received. XXXX realty did not receive the check. I called USAA and was advised to place a stop payment on the check and reschedule payment. On XXXX XX/XX/year>, I placed a stop payment and rescheduled payment. New delivery date for the check was XX/XX/XXXX. On the XXXX of XXXX, was advised by XXXX XXXX the check had not arrived. Contacted USAA, spoke with the CEO 's executive team. They were unable to provide a solution to deliver the payment ( now 18 days overdue ). Purpose of the payment is Lease Payment for the house I am living in. 

The only option I was given to resolve the issue was to reschedule the payment. As of now, I am unable to pay my rent because USAA refuses to send a certified check via XXXX. Claims the only option is to issue a new check through bill pay which has failed twice.
Consumer complaint received 2024-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

I opened a checking account with U.S. Bank on XX/XX/year>. At the time of account opening, the bank clearly advertised a promotional offer of up to {$450.00}, to be disbursed within XXXX days after completing the required steps. 

I completed all the required steps by the last week of XXXX, as confirmed by a U.S. Bank representative during a phone inquiry. However, the promised bonus has not been credited to my account. 

The bank 's promotional materials explicitly stated the timeline for the bonus twice : XXXX ) Frequently Asked Questions : " Your statement will show your checking bonus as an adjusted interest credit within XXXX days after you have completed required activities. Your account must be open and have a positive balance. '' XXXX ) Disclosures : " Your checking bonus ( 'adjusted interest ' ) will be credited to your new checking account within XXXX days following the completion of all the offer requirements. '' ( Here is the sign-up link on the U.S. Bank XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I am requesting that U.S. Bank honor its original commitment and immediately credit my account with the promised bonus. 

Thank you for addressing this issue promptly.
Consumer complaint received 2024-11-19
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: U.S. BANCORP (IL)

I am writing to formally file a complaint regarding fraudulent transactions on my Elan Financial credit card account. On XX/XX/XXXX and XX/XX/XXXX, two unauthorized charges of {$950.00} each were posted to my account by XXXX XXXX. I have neither authorized these charges nor received any products from XXXX XXXX. I contacted Elan Financial Services on XX/XX/XXXX to report the fraudulent activity, but the customer service representative did not provide any assistance or resolution. As a result, I am requesting an immediate reversal of these charges and a {$1900.00} credit be issued to my account for each transaction. I trust the CFPB will help ensure this matter is addressed swiftly and appropriately.
Consumer complaint received 2018-03-06
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: P.S.C., Inc (WA)

In XX/XX/2018, I received a document at my place of employment requesting verification of my income. Upon receipt of this document, I contacted P.S.C. to discuss the debt and my intent to pay. During this conversation, we discussed a promissory note for the debt in question, and I agree to review the document, and I made a {$50.00} good faith payment towards to debt after being told that I needed to do so. I was to receive a promissory note in the mail from P.S.C. in  order to begin making payments on the medical debt. To date, I have not received the document, but I have continued to receive harassing phone calls. On Friday, XX/XX/XXXX, I received a call from " XXXX '' demanding that I return his phone call by XXXX XXXX that day. On that date, I also made another {$50.00} payment as good faith, expecting that I would at some point receive the agreed upon documentation that would afford me the opportunity to clear this debt. 
It is not my responsibility to ensure that documentation is received by me in order to clear the debt. It is the responsibility of the collection agency to honor their part of the arrangement and provide me with proper information. I am not going to pay on a debt, under a verbal agreement with no assurance that my credit will not be impacted. If PSC wants me to pay the outstanding debt, then I suggest they stop calling to harass me, and they provide me with the written documentation they themselves proposed so I can go ahead and issue payments to clear the debt. This will be my only attempt to resolve this matter with PSC. Should PSC continue to harass me, I will take this to the next level. Thank you.
Consumer complaint received 2024-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (MA)

YOUR COMPLAINT This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer. Furthermore, I have attached : A new police report confirming fraudulent activity. Updated documentation disputing these debts. This Cease and Desist letter. Violations and Legal Obligations Your failure to respond adequately to my validation requests and your ambiguous statements constitute violations of the following : FDCPA, 15 U.S.C. 1692e : Prohibits false, deceptive, or misleading representations in connection with debt collection. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) : Requires debt collectors to verify disputed information with the creditor and ensure accuracy. Federal Trade Commission ( FTC ) Guidance on Debt Collection Practices : Warns against vague or misleading communication, which can constitute an unfair or deceptive act or practice ( UDAP ). You are also violating my rights under XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unfair Trade Practices and Consumer Protection Law ) by failing to provide transparency and accountability in your collection practices. Legal Remedies Available Failure to comply with these laws exposes you to civil liability, including actual damages, statutory damages of up to {$1000.00} per violation, and coverage of attorney fees under the FDCPA and FCRA. Cease and Desist Demand Effective immediately, I demand that you : Cease all communication with me regarding these accounts, except to provide the debt validation as required under federal law. Provide a comprehensive validation of the debts, including : A signed agreement or contract proving my responsibility for the alleged debts. Full account histories showing how the amounts were calculated. Evidence that your agency has legal authority to collect these debts. Inform the creditors ( XXXX XXXX  and XXXX XXXX ) that these accounts are in dispute. Next Steps If I do not receive a satisfactory resolution within 30 days, I will have no choice but to file complaints with : The Federal Trade Commission ( FTC ) The Consumer Financial Protection Bureau ( CFPB ) My states Attorney Generals Office the gialed to respond to me so I am filling the complaint
Consumer complaint received 2017-06-28
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. (CA)

XXXX XXXX is reporting that a payment was made in XX/XX/XXXX. This account was included in our Bakruptcy Discharge XX/XX/XXXX. No payments were made after that. Therefore, The information on my Credit report is incorrect. This account information schould be removed from my information the only info listed schould be, Account Closed
Consumer complaint received 2017-06-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lyons, Doughty & Veldhuis, PC (NJ)

I am paying monthly amount of {$300.00} to debt collector https : //www.ldvlaw.com/ for the money I owe to XXXX XXXX cc, which I incurred when I was laid off/unemployed in 2009. I asked https : //www.ldvlaw.com/ to send or email me a monthly statement and they said they " do n't things like that ''. They also take a 10 % commission. I really would like to see what my balance is on regular basis. Please look into this matter and address this lack of accountability. <P/>XXXX XXXX tel. XXXX XXXX XXXX XXXX XXXX Nj XXXX
Consumer complaint received 2024-11-18
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (MD)

Someone sold my information to a debt collector along with the debt itself being written off. They have not presented a 1099c form to me after writing off the debt. Law 15 usc 1692c ( c ) Under the FDCPA, a debt collector is prohibited from communicating with a consumer after the consumer disputes the debt, except to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor. They sold the debt to several debtors. I am not even sure who the original debt is from.
Consumer complaint received 2017-06-29
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. ()

I hold a home loan from XXXX A/C No -- XXXX. My credit report shows non-payment in the month ofXX/XX/XXXX &XX/XX/XXXX. But my EMI of XXXX was debited in each of these month on the last working day of the month. This is hampering my credit sscore badly.
Consumer complaint received 2024-11-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (NJ)

Subject : Discrepancies in ChexSystems Report Preventing Account Opening Dear Sir/Madam, I am writing to file a formal complaint regarding incorrect information reported about me by ChexSystems, which is preventing me from opening a bank account. I have reviewed the information provided to banks through ChexSystems, and I found that the personal detailssuch as my name, address, and phone numberare inaccurate. I have no knowledge of these discrepancies and have not authorized them to be reported. 

This situation is significantly impacting my ability to access basic financial services, and it is causing me considerable hardship. I need a bank account to manage my finances, receive payments, and perform essential transactions. However, the incorrect reporting in ChexSystems is making it impossible for me to open an account, despite my efforts with several financial institutions. 

I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and intervene with ChexSystems to correct these inaccuracies. I believe this issue falls under the following regulations : 1. **Fair Credit Reporting Act ( FCRA ) ** Under the FCRA ( 15 U.S.C . 1681 et seq. ), consumers have the right to dispute any incorrect or incomplete information on their credit or consumer reports. In this case, the erroneous data reported by ChexSystems is inaccurate and needs to be rectified immediately. 

2. **Consumer Reporting Agencies ' Duty to Correct and Update Information** ( 15 U.S.C. 1681i ) The FCRA requires that consumer reporting agencies, including ChexSystems, investigate disputes and correct any inaccuracies in a timely manner. I have not received any communication or explanation as to how these errors were made, nor have I been informed of any previous attempts to resolve this issue. 

3. **Right to Privacy and Accuracy in Consumer Reporting** I assert my right under the FCRA to have accurate personal information maintained in consumer reporting agencies, including ChexSystems. The incorrect details on my report are impeding my ability to access services that are essential to my well-being. 

I request that ChexSystems immediately correct the false information on my report and provide written confirmation that the inaccuracies have been removed. Furthermore, I would appreciate it if you could ensure that no financial institution is allowed to deny me an account based on this erroneous data, as doing so is unlawful under the FCRA. 

I am attaching copies of any relevant documentation I have, including my ChexSystems report, to assist with the investigation. 

Please inform me of any further actions I need to take on my end and keep me updated on the progress of this investigation. I am confident that with your assistance, this matter can be resolved swiftly and fairly. 

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-06-28
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: ECMC GROUP, INC. (TN)

Code of Federal Regulation, Title 34 Education ( 34CFR628.405 ) Part ( 3 ) ( ii ) The prior holder of the loan must, within 30 days of receiving the notification from the guaranty agency request that any consumer reporting agency to which the default claim payment or other equivalent record was reported remove such record from the borrower 's credit history.There have been several disputes put into effect since XX/XX/XXXX. Acct number XXXX Company named ECMC is reporting paid account open on XXXX and XXXX report. The account was paid XX/XX/XXXX but on all 3 credit reporting agencies dates are XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have disputed this account be removed twice to all 3 agencies. They state regions was the original creditor I never received student loan through regions my student loans were Federal loans opened in XX/XX/XXXX and XX/XX/XXXX, which was sold to other collection agencies throughout the years that cited lack of privity. The last date of delinquency was in XX/XX/XXXX as reporting on XXXX and XXXX. They violated FDCPAA by changing the DOFFD and DOFLA. Statue of limitations per FDCPA is 6 years in Tennessee these laws are being violated by XXXX XXXX ( acct XXXX ) opened XX/XX/XXXX, XXXX XXXX ( acct XXXX ) opened XX/XX/XXXX and ECMC orig delinquency date should be XX/XX/XXXX. I respectfully ask you to investigate my claim and expect you to immediately remove the outdated items identified in this letter and any additional outdated items that you discover during your investigation. Furthermore, after correcting my credit file, I request that you forward a corrected copy of my credit report to me at the my address. Finally, if your investigation determines the information is not outdated, I respectfully request you forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. Documentation of late payments and signed documentation of signed contracts and consents In accordance with the FCRA I respectfully request you forward this information within 15 days of the completion of your re-investigation.
Consumer complaint received 2019-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX, formerly XXXX, was a servicer on one of my student loans. When I consolidated my loans with the Dept. of Education, XXXX was paid in full. However, they reported that they were not paid and were attempting to collect the debt through collection attempts. When I contacted the Dept. of Education, they informed me that XXXX was paid in full and should not have attempted to collect the debt and needed to correct my credit reports. Then I contacted the Ombudsman Dept. who also stated that the loan was paid in full in XX/XX/2014. Although the Dept. of Education showed that the loan was paid in full, XXXX refuses to correct my credit report ( late payments, delinquencies ) and it is impacting my credit. I have attempted to resolve this issue with them on multiple occasions without any success. Even though the Dept. of Education and the Ombudsman Dept. informed them that they were paid in full, they still refuse to remove the credit inaccuracies. I need assistance with this matter as I am attempting to purchase a home and it is impacting the lender 's decision. Thank you.
Consumer complaint received 2017-06-29
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Northstar Location Services, LLC (AZ)

NorthStar Location Services , LLC did not respond to everything I asked of them with the CFPB. I 've conducted some research on this company and in the state of Arizona this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Arizona. This is against the state and federal laws. <P/>According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28 In addition, This company according to my credit report is trying to collect on a debt from 1999. Which is way past the statue of limitations.
Consumer complaint received 2017-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I contacted Transunion in  XXXX  to notify them that  XXXX  inquiries had been removed from my report and with in 2 weeks  later they reappeared. I contacted them numerous times ; however, the representative only kept informing me that is was an error and the inquiries should in fact be on my report. I asked them numerous times why I was not notified on them being removed and being placed back on and she simply kept informing me that they did not have to notify me about my report.   XXXX  I am exhausted and I have spent numerous hours trying to get this resolved ; however, Transunion has not been willing to cooperate.