davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2019, I made a withdrawal of {$2000.00} from my XXXX XXXX  Account to my Chase Business Account in the form of a teller 's check. I have copies of the statements along with a copy of the teller 's check. Approximately 10 days later Chase closed my business account. The money from the teller 's check was never sent after the account closed. I first attempted to get my money on XX/XX/XXXX when I called Chase at XXXX. At that time they told me a check should arrive within a week. The following week on XX/XX/XXXX at XXXX I called Chase to confirm that I was receiving a check. The lady on the phone informed me that the check needed to be verified. At that time she said to go to XXXX XXXX  and confirm that the check payment was sent over. I scheduled an appointment with XXXX Bank and on XX/XX/XXXX I went to the XXXX XXXX  Branch at XXXX XXXX XXXX to check the status. After a half an hour they confirmed the funds were moved to chase bank on XX/XX/XXXX. ( Deposit amount was listed on the Chase statement in the documents ) With this information I went over to Chase Bank at XXXX XXXX XXXX. At that branch they said their systems were unable to verify the check despite me having a phone number for them to call and verify. They asked me to try again the following day XX/XX/XXXX with the same results. They finally stated they will try to verify on Friday and that if I did not hear from them by the weekend than that would indicate they were unable to solve the issue. If you need the call logs I am happy to submit them as well.
Consumer complaint received 2022-06-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (FL)

I sent a wire transfer from my Wells Fargo account in the amount of {$4000.00}. The wire transfer showed as completed on XX/XX/XXXX, but the beneficiary did not receive it. I called the bank on XX/XX/XXXX and submitted a claim saying the wire was never received ( and asked for it to be returned to my account because I paid the beneficiary via other means ). I kept calling to get a status update and no one could tell me anything. I received a response on XX/XX/XXXX that the claim was denied because Wells Fargo did not get a response from the beneficiary bank. I called and was told that the Wells Fargo agent submitted the claim incorrectly and a new claim had to be submitted. They kept telling me it would be resolved in XXXX business days maximum. I keep calling for a status update and again no one could tell me anything. 

I kept being told that it could take some time and depends on the response from the beneficiary bank. I kept saying that the beneficiary bank never received the wire ( which I confirmed with the beneficiary bank several times ). Finally, XXXX of the XXXX I called on XX/XX/XXXX a Wells Fargo representative said he called a different wire department and found out the funds were being held by the Compliance department because of an OFAC hit and they needed information to clear it ( no one had reached out to me for information ). I gave the information and called to follow up later that day. The agent told me the compliance department had now cleared the wire. I told him I dont want it to go out because I already paid the money another way, I want the funds returned. He said that is not his department. I called the claims department and customer service to tell them about this and no one could do anything. They just said the claim is being investigated and they will probably update me when they hear from the beneficiary bank. I kept saying the bank never received it. The funds have been held by Wells Fargo compliance this whole time! 

There is apparently no way for anyone ( including agents in the claims department ) to contact the investigators by phone. I have requested repeatedly that they have the investigator call me and he has not. I believe I was told I would be called when there is an update. It seems they are just waiting to hear back from the beneficiary bank, but that bank never received the funds. I am at a loss of what to do.
Consumer complaint received 2021-01-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cam Credits, Inc. (OR)

The original debter is XXXX  XXXX  XXXX  XXXX XXXX oregon. They billed my insurance for medical treatment and I paid XXXX dollars per visit. I have proof I had paid it. Than come to find out that this same company sent me to a collection company cam credit services for collection of XXXX dollars that I never knew I had. They never sent me any notifications or letters. Also it posted on my credit claiming it was listed on XXXX of XXXX. But did not actually post on my credit till XX/XX/XXXX of XXXX.
Consumer complaint received 2018-01-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc. (FL)

XXXX  is stating that I owe credit protection {$370.00}. XXXX and XXXX has confirmed that the collection is not mine and has removed it from my credit score, however XXXX is still holding on to the collection for some reason. Is there anyway this collection can be removed from my credit report? Southern mgt. is stating that I owe them XXXX as well, however XXXX, XXXX, and XXXX  has confirmed that the address associated with the collection does not belong to me, however the collection is still showing up on my credit report can this collection be removed from my credit reports? Please if you can help me in anyway possible it would be greatly appreciated. Thank you so much, I appreciate any help you can provide me.
Consumer complaint received 2019-05-06
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: WELLS FARGO & COMPANY (NY)

Dear District Attorney and to whom it may concern, aside from my utter disappointment with Wells Fargo and their unwillingness to assume any responsibility for a highly destructive loan product, once called a XXXX XXXX, is unfathomable! It is inconceivable that this financial institution be allowed to continue to operate under the guise of integrity. Case in point is Wells Fargos dismissive accountability for the loans and decisions that theyve made and continue to make today. Ive asked Wells Fargo repeatedly to investigate a 2010 loan modification that was offered, of which I had no choice but to decline at the time, as the modification only placed past due payments onto the back of loan leaving all the same destructive amortization terms and conditions in place. Due my financial hardship at the time and the fact that acceptance of said modification stipulated that I waived any and all rights legal rights or actions.

My compliant lies squarely with Wells Fargos as they keep insisting that placing past due payments on the back of the same toxic loan is somehow an acceptable modification that was going to miraculously keep me current on said loan for the foreseeable future.This tells me that Wells Fargo hasnt bothered to go back and review my 2010 finical hardship documentation and come clean with the fact that I was offered a self-destructive modification product that due to my then finical situation would have left me not only with a defaulted modification, but with no legal right to stay in my home.

It is at this time that I seek out the assistance of the District Attorney of Florida and request a full investigation into the how Wells Fargo is conducting their reviews of complaints being submitted as I have done my homework and have all modification application documentation that proves that the 2010 modification was unjust and set up to fail and anything other than that finding is an attempt by wells Fargo to check a box and claim compliance.

Wells Fargos continued omission of responsibility as it regards to their sins of the past has cost me and my family a decade of pain and suffering, one that I will never forget or stop fighting as I seek out an amicable and final resolve. Ii is my intention to continue my pursuit of unjust and unfair conduct on the part of Wells Fargo until theres someone who takes my compliant seriously and is competent enough to explain in detail why my financial hardship application with all financial facts did not offer a modification that did more than just place past due payments to the back of the same destructive loan? If Wells Fargo is unable to justify and support the then modification then how is it that they are able to continuously claim that I was offered a sound and sustainable modification that I simply denied?
Consumer complaint received 2018-01-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: AMERICAN HONDA FINANCE CORP (GA)

I was in a car accident on XX/XX/XXXX and that totaled my car. My insurance company sent the bulk of the payoff of the loan, {$19000.00} to be exact and that was posted on XX/XX/XXXX, reversed and then reposted on XX/XX/XXXX. Since that date, Honda Financial has still reported my loan as late and owing 46+ payments. Then on XX/XX/XXXX another {$1200.00} was posted towards the payoff from the Warranty Refund applied to the car, and still, Honda Financial is  report this loan late. the last item needed to payoff my car was for the GAP Claim to be paid. I checked on my account almost daily to see when this would be paid off. The payoff on my account the beginning of the week for XX/XX/XXXX stated my payoff was about {$2500.00}, the GAP claim paid {$2400.00} on XX/XX/XXXX. As of XX/XX/XXXX, my account still states 43 payments remaining and past due. I have called several times into their customer service center. The initial person I get is just part of like a Customer Service Center they have stated on 2 separate occasions. The 1st incident where I asked to escalate and speak to a supervisor, I was told that they don't have direct phone numbers that they could give out and that I would just have to leave a message and they would escalate and have them call me. I never received a return call. Again I called on XX/XX/XXXX at XXXX est and this time got a lady named XXXX who told me the same thing, but this time transferred me to the voicemail of someone named XXXX and I have still not received a call back. They have had an automated number call my cell numerous times stating my account is past due, but whenever I call back to speak with a live person, there doesn't seem to be anyone that will return my call. The payments that were received on this loan from my insurance companies have been mishandled and misapplied and I have tried for almost 3 months now with Honda to get this corrected. I have also disputed this with the credit bureau as well.
Consumer complaint received 2018-01-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Immediate Credit Recovery (TX)

This is first of all a debt that was the result of Identity theft and opened without my knowledge the account. This account appeared on my credit report and I have no knowledge of this debt and never seen any collections attempt made by this company. I have seen the same old debt bought and placed back on my credit report. This company has bought a non valid debt. Also a police report as been filed in efforts to protect my information from those who used my information to open the bogus tradeline. 
Also the company may not be licensed to collect in the state of texas. And the account that they have reported was fully discharged for it being fraudulently opened.
Consumer complaint received 2021-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

XXXX, Equifax and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2021-06-30
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: LEXISNEXIS (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2019-05-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (CO)

My Mortgage was transferred to a new company called Mr. Cooper on XX/XX/2019.  They sent me an email dated XX/XX/2019 that they were the new mortgage company. Also stated in the letter it states there will be no late fees or negative reports on my Credit Report for 60 days of transfer. I have now received two late fees that they refuse to reverse, stating that it is from the previous Mortgage Company. I called them on XX/XX/2019 to customer service and he said they couldn't reverse it because its from the previous Mortgage Company. I then asked to talk to his Supervisor, She told me the same thing. They are lying to me, since the transfer took place on XX/XX/2019 and the fees have been assessed after that date. They have been told by Mr. Cooper to state this. It wouldn't be surprising if I find out they are doing this to all their newly transferred customers.Late fee assessed on XX/XX/2019 {$57.00} and XX/XX/19 {$57.00} According to their website this is the fee for their late fees. Also my previous mortgage company charge a {$75.00} late fee. Also Mr. Cooper doesn't tell their customers that they bought Seterus Mortgage Company for XXXX million dollars. They only say it was a transfered and not an acquisition. They are not being honest in their business practices, just like Seterus was and XXXX XXXX.
Consumer complaint received 2021-12-18
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: AES/PHEAA (MI)

These student accounts are NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied on me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested showing who made these charges on my credit file! So how did your properly verify this, how is these accounts mine? if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. 

All accounts are provided in my documents please open my documents and throughly check all accounts do not respond to me computer generated. 

XXXX XX/XX/12 Balance? 

FTC Report was submitted and filed with accounts included
Consumer complaint received 2021-06-22
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: Affirm Holdings, Inc (NJ)

review the following accounts that appear on my credit report without any authorization, they are not mine : AFFIRM INC Account Number : XXXX Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2024-08-08
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: Experian Information Solutions Inc. (TX)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-05-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NJ)

I've dealt with Navient XXXX XXXX XXXX many times starting from XX/XX/2019 to the current date ( XX/XX/2019 ). Anytime I make an additional payment they somehow administratively XXXX up the payment to be disbursed to the wrong loan. 

The loan is a Consolidated Subsidized and Unsubsidized Loan. They have a system set up on their website to allocate funds to a specific loan ( i.e. highest current balance, highest current interest ratel, or prorate across selected loans etc. ). I want to pay my loans off as fast as possible, so I have chosen to submit additional payments to the the Consolidated Subsidized loan, which has the least amount of principal left. 

Anytime I make an additional payment, I have to call them and correct their mistake because they will always split the additional payment between the Subsidized and Unsubsidized Consolidated loan. After calling them and having the additional payment made to the Subsized Loan, they automatically prorate the next payment, so my automatic payment isn't being distributed the way I want as well. I spoke to them on the phone and requested they not do that, but do it every time. 

It seems their website has a system in place to help the user, but their system isn't functioning properly when you choose what you want. 

Also, it seems silly that I need to take time out of my day consistently to make sure they are applying my additional payments to a loan I have specified to them numerous times. 

My additional payments are {$100.00}, and my automatic payment is {$290.00} and it comes out every month on the XXXX. 

I thought it would be fair for me to put in an official complaint so they understand my frustration.
Consumer complaint received 2021-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (MD)

We received a letter from M & T bank postmarked XXXX, NY XX/XX/2021. The letter is addressed to our son XXXX and to us, XXXX XXXX and XXXX XXXX XXXX as guardians. 

The letter states that under provisions of the Patriot Act they will close our account because they are not able to identify us. The checking account in question has been open for more than 10 years. It is the account where our son, and his mother as Representative Payee, receives the monthly XXXX benefits. 

The letter claims they have made several attempts to reach us but were unable to do so. How? We received no correspondence by regular post or email describing what additional documents were needed. The lack of clear directions was the basis of our orgi We have exchanged emails with XXXX XXXX XXXX, Regional Vice President as recently as today and have made arrangements to complete signature cards for the savings account they claim to have opened.
Consumer complaint received 2021-06-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX, I sent the following letter to XXXX, Equifax and XXXX and they have refused to comply with the law. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Account # : XXXX Effective XX/XX/XXXX, creditors should have changed the way they are reporting late payments. In light of the recent CARES Act, creditors should not report any late payments to the credit reporting agencies during the CARES Act period* to avoid harming my credit score. This change is temporary and applies ONLY during the CARES Act period as defined below. 

On XX/XX/XXXX, the United States Congress passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to help Americans during this uncertain time. Among other things, the Act is designed to help protect my credit during the pandemic. 
Based on this information about my rights and protections under the CARES Act please remove any late payments you have reported to the credit agencies ASAP.

* CARES Act Period- Requirements apply to certain consumer account payments made between XX/XX/XXXX, and the latter of either : 120 days after XX/XX/XXXX, or 120 days after the national emergency concerning COVID19 ends. 

Note, I have spoken with your company on several occasions alerting you that I was experiencing a hardship due to the pandemic and I also made a payment during this period and expressed my willingness to correct the problem. The following late payments should be reversed and removed from my credit report. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Thank you, XXXX XXXX