davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

1. The Filed Complaint.XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX They D'ont Have Legal Title XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX Mortgage Servicer, Shellpoint Mortgage do not have the right to assign the Mortgage. The XXXX XXXX  's complaint states that it is an Illegal Assignment. Why are they being permitted to foreclose on my home. SEE ATTACHED Filed Complaint XXXX. Predatory & Fraudulent Loan Modification=No Credit for Mortgage Payments for 2 Years! 

XXXX XXXX XXXXXXXX offered the XXXX XXXX XXXX and kept the XXXX going for over 2 years! Although the payments were being made, my account did not receive credit. As per their Bank Register, the payments were posted as MISC Postings and did not post to my actual account. They treated it as some type of suspense because my principal balance did not move XXXX XXXX. SEE XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$150000.00} to Mortgage XXXX XXXX  XXXX XXXX XXXX my mortgage payments and did not give me credit for them. They added over {$150000.00} to my mortgage balance and denied my loan modification. I truly believed that because I was XXXX, they proceeded to commit the crime and denied my loan. They had told me that I may qualify for a principal reduction from the Department of Justice and later said that i didn't qualify. SEE ATTACHED LETTER from XXXX  The Bank Representative contacted me after I made my XXXX of 3 months XXXX  payments XX/XX/XXXX, XXXX, XX/XX/XXXX of {$2100.00} and told me that they had made a mistake in calculations. At 2 % my payments were suppose to be {$1800.00}. She said that they would credit my next months payment and to pay the difference then continue with making the {$1800.00} payment. The abuse went on for over 2 years! They added the money to my balance as per their letter then XXXX became the mortgage Servicer. 

XXXX. XXXX XXXX XXXX XXXX, added to Principal Balance and Created a Deferred Balloon Payment! They completed the XXXX loan modification in 3 months at 2 %. Payments {$1800.00}. SEE ATTACHED Letter from XXXX I purchased my home in XXXX for {$350000.00} and put {$270000.00} down. I refinanced with other lenders. I refinanced with XXXX in XXXX. They went out of Business then I received noticed 2 months later that I would be making my payments to XXXX. 

I believe that my mortgage should be canceled. Penalties and damage payments should be made to me because of the fraud, predatory and discriminatory practices. Having been a Realtor for over 25 Years, this was a major default and embarrassment to me and my family. I had to pay a lot of money to fight the foreclosure that was fraudulently trying to include my adjacent lot. I had to file Bankruptcy to stop the foreclosure of this Illegal Mortgage and further damage my credit. The gross mortgage balance being reported on my credit report since XXXX was pure evil. Something most be done.
Consumer complaint received 2022-12-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (VA)

I wrote already a complaint against MONEYGRAMM in a transfer to XXXX for XXXX XXXX XXXX and NEVER was delivered even though i wrote several times to client service and they contacted XXXX too BUT MONEYGRAMM NEITHER DELIVERED HIM ANY MONEY NOR GAVE ME BACK ANY OF IT. 
Total was XXXX dollars that they STOLE WITHOUT ANY REMORSE. 
I spent time contacting them but the answers were repetitive, unuseful and silly. 
So i complaint here and its been at least 5 months ago or so, dont remember exactly and STILL I DIDNT HAVE ANSWER ABOUT IT. 
I have still my receipt to prove That MONEYGRAMM STOLE MY MONEY AND THEY GET NO CONSEQUENCES FOR ROBBING TO PERSONS WHO NEED TO SEND MONEY THROUGH THEM IN THIS CASE.
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (OH)

On XX/XX/XXXX, I made a delivery purchase from my local XXXX. The total charge pre-delivery was {$220.00}, and that charge immediately posted to my checking account. The largest item in the order was unavailable and, therefore, not delivered. XXXX adjusted my receipt to read the cost of the items I actually received : {$130.00}. A difference of {$88.00}. I received the adjusted XXXX receipt on XX/XX/XXXX. 

On XX/XX/XXXX, I noticed the full charge of {$220.00} was still pending in my account and I contacted Chime customer support via live chat. I was told, by that agent ( pages 1-2 labeled XX/XX/XXXX in the attached documents ) that XXXX had cancelled the transaction for {$220.00} and the difference would be returned to my account when the charge was settled. The important fact here is that on XX/XX/XXXX, the Chime agent knew that XXXX had cancelled the original transaction of {$220.00}. 

On XX/XX/XXXX, the XXXX transaction settled and the charge was listed on my account for {$130.00} as made on XX/XX/XXXX. ( page XXXX of attached documents ). However, instead of the difference of {$88.00} being retuned to my account, Chime listed it as a charge ( page 2 of attached documents ). When I clicked on the transaction for - {$88.00} on XX/XX/XXXX, it stated it was an authorization hold that would expire within three business days. 

On XX/XX/XXXX, I contacted XXXX customer support via live chat to make sure that they were not still encumbering the {$88.00} in any way. This conversation was saved and is contained in pages 1-2 labeled XX/XX/XXXX of attached documents. 

On XX/XX/XXXX, the status of the transaction for - {$88.00} had changed to " pending. '' ( page 3 of attached documents ) I waited three days ( from XX/XX/XXXX ) and on XX/XX/XXXX, contacted Chime customer service via live chat once again. This conversation was saved and is contained in pages 1-9 labeled XX/XX/XXXX of attached documents. This agent stated that XXXX cancelled the transaction for {$220.00} on XX/XX/XXXX, and that the difference of {$88.00} would be pending for the next seven business days and then released back to my account if the transaction failed to settle. Well, I had already been told by a Chime representative on XX/XX/XXXX, that XXXX cancelled the transaction on XX/XX/XXXX. 

I called Chime customer service, afraid I was not stating my case clearly on live chat and was simply told I could not dispute a pending charge. 

The {$88.00} should have been returned to my account on XX/XX/XXXX, when the transaction settled. Chime continues to move the ball and communicate falsehoods about the transactional timeline each time I chat with a representative. I am requesting assistance from this agency.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX has been reporting on my credit report for over a year now. I have contacted the credit agency and advised that the information for this account did not belong to me and was incorrect as I had watched the information change several times in the past year. The credit agency advised that an investigation was completed and all information was verified. I had requested information from XXXX which waws never received therefore I asked for the credit reporting agency to send all documents received associated with this account that was used to verified it. The information was never received. I then asked 3 more times via certified mail and it was still never received. The amount and information on this account continued to change however no payments were made to this account from me and it had been reported as a loss but the balance changed approximately 4 times in the last year. Still to date I have not received any documentation from genesis nor the credit bureau stating that they completed an investigation. On most attempts the credit bureau stated the investigation was complete in as little as 5 days which is not even enough time to request and secure appropriate documentation.
Consumer complaint received 2022-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Company has failed to provide a credit limit increase for existing card Company has failed to validate and verify I am who I say I am & is using a " security freeze '' as a reason instead of utilizing internal banking knowledge to approve or deny card. 
Company has charged me {$50.00} to do banking with them. 
Application date XX/XX/XXXX XXXX XXXX XXXX Responded as of XX/XX/XXXX to secure virtual document exchange Company is not doing due diligence for it's brand or it's customers by manipulating the way my transactions have been made! Investigate all XXXX XXXX!
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-11-28
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. (TN)

This Company XXXX XXXX XXXX is stating that I owe them money for a loan I have never received, however trying to contact them they are stating that this loan belongs to me. I will like them removed asap
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2022-12-22
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. (NY)

THESE ARE ALL FRAUDULENT UNAUTHORIZED INQUIRIES AND I ALSO HAVE UNAUTHORIZED ADDRESS ON MY FILE AS WELL. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX, NJ XXXX
Consumer complaint received 2023-02-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo sent {$13000.00} to XXXX XXXX XXXX in NY in XX/XX/2022 with out a recipient account number or a routing number. XXXX if holding my money and will not return it to my Wells Fargo account XXXX despite numerous requests and the intervention of XXXX XXXX XXXX XXXX XXXX. XXXX requests a hold harmless agreement signed. Wells Fargo will not sign that as they only sign those agreements when fraud is involved. This was not fraud just gross incompetence when they sent my {$13000.00} with incomplete receiver information. Please help me get my money back from either XXXX or Wells Fargo. 
thank you, XXXX XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I noticed late payments. Despite sending letters over 30 days ago, I have not received a response, and I have not received satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TN)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2023-02-22
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: CarMax, Inc. (CA)

On XX/XX/XXXX I was alerted to a hard inquiry on my credit report from Carmax. I've never had any transactional relationship with them nor have I authorized anyone to do so on my behalf. 

I immediately alerted the company and the credit bureaus to this error and was told it would be corrected. At that time, I asked if any account was actually opened in my name and was told there was none. 

On XX/XX/XXXX, I was subsequently alerted that someone had taken out a $ XXXX loan in my name and purchased a vehicle through Carmax. Apparently this had occurred within XXXX hours of the XXXX hard inquiry. I once again alerted the credit bureaus and Carmax and filed a police report. 

Carmax was not remotely helpful or sympathetic and told me they would conduct an investigation. In the interim, the license plate and registration for the vehicle which I never purchased came to my home. This is clearly a case of title fraud. The perpetrator also attempted to take out an insurance policy in my name through XXXX XXXX and I alerted the California Insurance Commission to this as well. 

I alerted the California XXXX to this fraud and placed credit freezes on my credit files and took numerous other steps to ensure that my information was no longer being used fraudulently. 

Today ( XX/XX/XXXX ) I received word from XXXX that they had concluded their investigation and that Carmax maintained that I was in fact liable for the loan. 

That is insane and completely unacceptable. I'm the victim of identity fraud that this company is complicit in. 

If they do not remedy this matter and remove this fraudulent charge from my credit reports and release me of any liability I will file a lawsuit against them, XXXX and anyone else who is attempting to find me liable for a purchase I never made. 

Please advise how I can resolve this matter.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Consumer complaint received 2024-11-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: U.S. BANCORP (TN)

Contacted mortgage servicer requested mortgage assistance XXXX until present. 
Requested financial information application mortgage assistance was sent to them several times. On my follow up with the servicer they always say they did not receive requested document. I have my conformation of when requested documents are received by them. I am being misled by customer service, my mortgage Servicer is intentionally not assisting.
Consumer complaint received 2022-11-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I deposited a wad of cash that day at a bank of America ATM. The ATM was counting the amount when it suddenly stopped and I received an ERROR statement on the screen. It stated that this ATM was no longer working, so I needed to call the number on screen so they could help me with this issue. I did so, while still standing in front of the ATM, and they said they could see on their end that what happened was that the ATM jammed. So they would count, and credit me the cash that I deposited. 
They asked if I knew how much cash I deposited and I so no, because I just save up my cash from the tips I make at work ( I get paid in cash only ) and deposit it all at once. I did not count my money that day, because I was in a rush and just needed to deposit it. But it had been what I had made the past couple of weeks. 
I just received a letter from the bank stating that they are closing my case until I provided the XXXX things for them. First and foremost, they need to know the exact amount I deposited. Secondly, they are asking for a printed receipt that states the amount of cash I was depositing. 
Where am I supposed to provide a receipt that states how much cash it was? The ATM never finished processing it, as it jammed, so there was no receipt provided for me from there! 
There are cameras there at the ATM place where they can clearly see me depositing, the ATM jamming, and me calling on the spot and making a claim. All in front of the camera. 
How am I going to just lose all of my earnings because of an ATM misfunction? Is there something I can do about this?
Consumer complaint received 2022-12-21
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In XXXX, during the XXXX pandemic, I received my unemployment benefits card in which Bank of America was the bank used. I was receiving the monthly stipend to my card however BOA cancelled the card without informing me and I was unable to receive ANY of my funds.