davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-14
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: Waypoint Resource Group, LLC (WA)

I filed a dispute with XXXX  concerning a collections account placed on my credit file. The account was submitted to XXXX  by Waypoint Resource Group with the original creditor being XXXX. WRG reported the account with the incorrect ( First Date of Delinquency Date ), which they reported was XX/XX/XXXX. The correct date should be XX/XX/XXXX. XXXX also reported that the account is schedule to be removed from my credit file on XX/XX/XXXX, which is incorrect. The correct date the account should be removed in XX/XX/XXXX. I submitted a credit dispute to XXXX giving them documentation that shows the last payment on this account was XX/XX/XXXX. Based on the Fair Credit Reporting Act ( FCRA ), the XX/XX/XXXX is completely accurate when determining the ( First Date of Delinquency Date ) and subsequently sets up the date that the account is to be removed from my credit file. When XXXX completed their review, they did not update date my credit file to establish that the First Date of Delinquency Date should be XX/XX/XXXX and the date the account should be removed from my credit file should be XX/XX/XXXX. XXXX only updated my credit file telling me that I needed to contact the collections company WRG. When WRG first reported this collections account on my credit file, I submitted to them a debt validation request, and they never responded. WRG only contacted me via phone at work and harassed me telling me I had no authority to question the debt as it was validated by XXXX. I informed WRG that I did not want to have another harassing phone call and that they should only contact me via US Postal Mail. Based on the documentation I provided, this collections account will have aged on my credit file for 9-years, two years more than authorized by federal law.
Consumer complaint received 2019-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Child Support Recovery Services, Inc. (MD)

A collection from XXXX, XXXX XXXX was placed on my credit report XX/XX/2013 for the amount of {$320.00}. I disputed the collection because I did not owe a debt or ended the original contract. This collection was a bill from a daycare my daughter attended for preschool. A situation occurred between the teacher and my child 's father, which I was not in a relationship with but shared custody and during his visits he would drop her to school which was required by the custody order that was placed. When I went to the school to pick up my daughter the director XXXX appoarch me for a mandatory meeting. She explained that there was a sitution between my childs teacher and her dad and he threaten the teacher and for the teacher and other staffs safety that I have to take my daughter out of the daycare immediately. The director informed me that she consulted the daycare attorney and that was the best solution they could come up with. The school voided my contract and did not reimburse me for the money for pulling my daughter out of school during the week nor gave me time to find a daycare to transition her. Then the daycare place a collection on my credit and I did not even receive a bill or letter about this debt. I never ended the contract the daycare did and they are responsible for voided my contract without notice.
Consumer complaint received 2024-11-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I sent this Credit Card Company four INTERNATIONAL COMMERCIAL CLAIM WITHIN THE ADMIRALTY SELF EXECUTING CONTRACTS. They failed to respond back.These are the dates I mailed them certified mail. 

1. BOA dates are as follows : first one sent XXXX XXXX - second one sent XX/XX/year> - third one sent XX/XX/year> - forth one sent XX/XX/year>. Dates they received them are available on request.
Consumer complaint received 2024-11-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (MI)

I recently closed on the sale of my property on XX/XX/XXXX. The 2nd installment of the property taxes were due on XX/XX/XXXX. Shellpoint Mortgage, using XXXX, took the funds out of my escrow account on XX/XX/XXXX to pay the taxes, however they were not paid to XXXX XXXX MN until XX/XX/XXXX. As a result, my title company needed to pay the taxes ( also ) to complete the sale of my house. They paid the taxes on XX/XX/XXXX. 
I reached out to Shellpoint on XX/XX/XXXX to initiate a refund of these funds, since their funds were received second, per XXXX XXXX MN process. 
-I called on XXXX and Shellpoint stated they had not received the funds yet. But they set me up for a text notification so that when they were received, I would be notified. 
-I called back on XX/XX/XXXX, as I checked XXXX XXXX XXXX website and saw that the refund was showing as having been completed and was told that the funds were received /by XXXX, however the funds were not applied to my account, and were 'missing. ' As a result, they could not issue a refund until they were 'found. ' -I called on XX/XX/XXXX and had to once again escalate the issue as the funds were still 'missing. ' -I called on XX/XX/XXXX and confirmed that the funds were located and applied to my account on XX/XX/XXXX and would be sent via ACH , via an escalation and I should have my funds in 1-3 business days. 
-I called on XX/XX/XXXX, as I still do not have funds in my bank account, was told that it is still pending and a complaint is being filed on my behalf with the company, but no time estimate can be given and per their records, it appears that funds were only received on XX/XX/XXXX. I reiterated that I want my funds released TODAY and that they have been sitting on these funds since XXXX, but they state there is no way to escalate further or ensure that my monies will be released to me by a specified time. I told them that at this point I am also filing a complaint with the CFPB, as this needs to be documented outside of just their company, but officially, and this needs to be resolved immediately.
Consumer complaint received 2024-11-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (MN)

I recently opened a checking account with Citi bank around XX/XX/XXXX I was XXXX XXXX  through XXXX {$300.00} by my cousin XXXX XXXX ( his business ) Also I accidentally wrote a check to myself ( I never wrote a check before ) they closed my account and now are holding my funds ) they kept telling me XX/XX/XXXX hours your account will be ready and after a week then did this. Im reading a lot of reviews they do this to a lot of people. Also I got an email that asked was the XXXX meant to be sent and I said yes. They sent me to a page that said it is ready to go! Now apparently its closed
Consumer complaint received 2024-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION (TN)

My father opened an account for me at Regions bank, to be able to send money to me effortlessly, and to learn money management. Fast forward to XXXX he ask for my account details, he planned on sending me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I give him the banking details, my account and routing number. The next day, he tells me hes sent the money, he got an email confirming this, and I should have gotten the deposit instantly. I never got it, and yet, the money is missing from his account. I call my bank, and they have no info to give me. His bank, XXXX XXXX, wont tell him anything regarding the matter, and they tell him the money was sent. Two weeks later, XXXX is still missing from his account, I still havent gotten a deposit, and nobody knows where this money disappeared to mysteriously. Might I add, this has happened to my father on other occasions, and its never enough money that he gets upset. This time around, I am upset considering I was supposed to be the one receiving it. Dont know what else to do or who to tell regarding this missing deposit of XXXX.
Consumer complaint received 2019-05-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

In XXXX of this year 2019 i opened an account with first national bank XXXX XXXX XXXX XXXX XXXX   .PA XXXX.i made a deposit of {$20.00}. ( XXXX dollars ) to open the account.the person that assisted me was not pleasant or helpful towards me.i was also told i would get my debit card in the mail so i can do my further transactions on line because i am mostly in new york.after one month no card instead a paper saying i owe the bank fees and i am in negative balance i contacted them they said they would send my card and dismiss the charges so i can do my banking and on line also because i can't do that without the card its now XX/XX/2019 still no card and the fees have gone up i contacted them they said the bank manager would reach out to me but till now no one has contacted me. I asked them why they are doing this when i called on there recorded line. If it was because i was XXXX they didn't respond or contact me back instead a threatening letter to report me and have my name made bad by credit companys.any help would be appreciated.
Consumer complaint received 2019-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Im opening this complaint because Im having an issue with my XXXX   XXXX XXXX. Please see the following details : - Approximately a month ago Id learned the somehow XXXX XXXX XXXX was given a dispute letter which was intended for and submitted to XXXX XXXX. 
- First, I dont know how XXXX  XXXX XXXX receives a copy of a letter pertaining to a loan that does not belong to them. 
- Secondly, I dont know why representatives at XXXX XXXX XXXX did not thoroughly read the letter upon its receipt as it named a private lender who it was intended for who is not XXXX XXXX - Instead, XXXX XXXX XXXX has removed my Student Loan Information from my credit as of to date - That means Im now not getting fair credit reporting on students belong to me as I am still responsible for paying the bill each month - Ive now contacted XXXX  XXXX twice regarding this issue. Once approximately in XX/XX/2019 and the other on today XX/XX/2019 - I dont remember who I spoke with in XX/XX/2019. The person I spoke with today is named XXXX. His ID is XXXX. 
- The reason has become a XXXX XXXX XXXX issue now is because XXXX XXXX XXXX didnt read the letter for XXXX   when they first mistakenly received it. 
- Even after I called them about the mistake in XX/XX/2019, they still didnt get the manner handled properly This was so very simple and could have been avoided. All the original area /representative who received the letter needed to do is realize the letter was meant for another company ( private ) and not meant for XXXX XXXX XXXX . Instead, all or portions on My student loan information got removed from my credit report ( s ) which is very damaging as it has caused a major drop to my credit score right during my home search and buying process. XXXX XXXX is now showing as a closed account when it is not. This is not fair to me as a consumer making payments on my XXXX XXXX accounts. Im not happy about this as Im sure no one else would be.
Consumer complaint received 2020-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CT)

While working on trying to secure a loan for a business and finalizing partnership agreement, XXXX XXXX, a prospective partner used my financial information to open a business credit card account with Chase and put my name as a guarantor without my permission. 
The card was issued to the business address of the partner and all correspondence being sent to that address without my knowledge. 
I do not understand how the business was issued a credit card based on my information considering that there was not and still is not any document showing any relationship with the company. 
After a while I did receive a call from XXXX XXXX attempting to collect the debt from the credit, that apparently was not being paid by the partner. 
I discussed with a person by the name of XXXX XXXX and explained that the card was issued to a business and that I had not spent a penny on that card. 
At the time she explained to me that they had no other choice than report this to credit agency and the best I could do was provide a payment and try to arrange the situation with the partner since I was the guarantor on the account. 
I made the mistake of giving her my account number from XXXX  XXXX for a payment of I believe {$350.00} to cover the arrears while trying to resolve the situation. 
Since then, almost three years ago, XXXX has taken the liberty to take money out of my bank account and nothing being done to the individual who opened the account and who has been receiving all correspondence related to the account at his business address. 
I am reporting this to the Consumer Financial Protection Bureau to get reparation from Chase for issuing credit card to a company without verifying ownership and credit worthiness information.
Consumer complaint received 2019-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

I am selfemployed. I had a capital one card for 10 or 12 years. I started using it for my business and I paid it off every month. I had to call after a few years of use because I seen where they had a points thing and I had been missing out for years on thousands of points. That was a little aggravating. You would have thought that them knowing what I was using it for they would have recommended it. Anyways. I messed my credit up when I was young and had finally worked really hard to fix all that. I was getting increases as my business got bigger and bigger. That was awesome. In XXXX the called and asked if I would be interested in getting an insurance that was XXXX on every {$100.00} dollars at the end of the month. Sounds like a good idea so I got it. After a while I forgot I even had it. In XXXX I got into a bind and didnt get payed on a couple of jobs and I was left with over {$10000.00} dollars owed. I forgot I had been paying that insurance all those years and I couldnt make the payments. When I did remember bout it I contacted them and they said it had gone out just a few months after I got it and had only paid like {$9.00} dollars on it. I requested they send me a copy of every monthly statement for the entire time I had their card. 
Needless to say they where lying. I had paid hundreds of dollars over the years on that insurance. Even up until my last statement. It was XXXX XXXX dollars. I also found out when requesting my statements the had the wrong address for me on file. I always paid with my app and never knew it. Also I found out that over the years I had spent hounded of dollars on late fee peniltys cause as I said I paid with my phone and never looked at all that. I thought the payment was on the same day every month so for years every other month or so I was paying a late fee. And on top of that every so many years the fee would go up. In the end I was paying {$50.00} somethin dollars a month every other month or so. Now you would think that they would have seen that and said something but they didnt. 
They said the program ended coincidentally a few months before I got into that bind and they gave another so many months to file but like I said I wasnt paying it by then and I defiantly wasnt getting their mail outs on that kinda stuff. End the end they would not let me file one the very thing I had been paying for all those years when I really needed it. Now when I really need good credit cause of a wife and XXXX children and XXXX more on the way I have bad credit. If yall could help that would be awesome.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. Please delete all these fraudulent accounts none of the listed is associated with me.
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represent a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents.

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off.
Consumer complaint received 2019-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My identity has been compromize, account that I do not recognize had been placed in my name, I am requesting for this accounts to be block from my credit as they do not belong to my, an FTC report had been file and it's attached to this complaint, a plolice report will be filed as is requested by FCRA.
Consumer complaint received 2024-11-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

I was charged by XXXX XXXX for 6 unauthorized transactions of {$88.00} each ( total of {$520.00} ) on XXXX. My bank USAA contacted me about these charges as potentially fraudulent. I responded that I had not authorized those charges. USAA stopped payment and reissued me a Debit Card. USAA credited by account on XXXX with XXXX payments of {$88.00} ( total of {$520.00} ). 

However, on XXXX USAA reversed those credits so that I am still liable for the {$520.00} that I did not authorize. 

I have talked to USAA a number of times but there has been no resolution. I have a fraud case number with XXXX XXXX. I have a XXXX, AL Police case. I last spoke to USAA on XXXX about this rejection of my claim. They were supposed to call me back but never did.
Consumer complaint received 2019-01-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (WI)

on XX/XX/XXXX we were informed that XXXX  XXXX  sold our mortgage to specialized lending services llc, did not like the complaints on this company so when we called them XX/XX/XXXX to make our payment we requested a pay off quote as we had a loan lined up else where and signed the paper work with bank on XXXX sent the pay off check in the amount of XXXX. on the XXXX of XXXX after the check had been sent and cut they sent us another pay off quote including our property tax which was being and was paid by our new loan provider, so when we would not give them XXXX more when our property tax was only XXXX they sent the check back to us on XX/XX/XXXX and wanted even more money to pay off our mortgage and since they could not use our property tax to get more money the new pay off quote has our house insurance premium to the tune of XXXX our new mortgage company has even tried telling this place what they are doing is not correct but that does not matter with this company as far as i am concerned these people are nothing more than thieves and i am sick of beating my head against the wall with these people. we have made numerous phone calls and get no where, don't believe anyone there is qualified to do there jobs and different answers every time.
Consumer complaint received 2019-02-14
Product: Credit card or prepaid 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: DISCOVER BANK (GA)

I applied for a Discover Student credit card but was not immediately given an approval or denial decision and never received any correspondence via phone, mail or email. I just started college and applied so I could have a card to help pay for my tuition so this would've been my 1st credit card. As I was checking XXXX XXXX one day I noticed a Discover account on my report and it has a balance of {$2100.00}! I never received a card but someone obviously does. I would love to have a credit card with Discover but not one with a balance that I am not responsible for. No one was at my home XXXX of the time during XXXX and XX/XX/2018 and we have several missing mail pieces during that time. I have no credit but now because of this card I have bad credit as a result of fraudulent charges that need to be removed asap. Please help me get this fraudulent account removed from my credit reports. Additionally, Discover has contacted family members and discussed this account with them without my approval. One person that they called couldn't even verify any of my account information and Discover still told them everything about the account. I see now how easy it must have been for the criminals that ran up these charges. I filed a FTC Identity Theft Report on XX/XX/2018 and the report number is XXXX