davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Grow Credit Inc (TN)

I am formally writing this complaint because my credit report is being damaged by the company GROW CREDIT INC. I have disputed with GROW CREDIT INCXXXX regarding inaccurate information that they have furnished with the consumer reporting agencies for the past 2 months to no avail. They did not correct the inaccuracies I provided them in my letters along with copies of supporting documents and they were given multiple chances to do so. As a result of their consistent failure, I requested to GROW CREDIT for the account to be removed for both XXXX and XXXX and told them that they would be liable for reporting misinformation, but they ignored my request to do so and still will not let up regarding the fact that they were wrong and had failed to correct and update the info that they had furnished with the CRAs. I provided documentation showing that there are bonified inaccuracies and that the account information in my consumer disclosure reports did not match up. Specifically, regarding the late payment dates showing in the payment history. " XXXX, XXXX ''. I have attached 2 consumer disclosure reports and a credit report from a 3rd party company which are all showing inaccurate info reported from GROW CREDIT INC. The Fair Credit Reporting Act 15 U.S.C. 1681s-2 ( b ) states ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

GROW CREDIT INC. has not been complying by this law. It is not fair, and it is abusive and damaging to my reputation and credit worthiness. Furnishers must : conduct a reasonable investigation review all relevant information provided by the consumer report results to the consumer, generally within 30 days notify each CRA to which you provided inaccurate information if the investigation finds the information was inaccurate. Furnisher Rule 660.4 ( e ). GROW CREDIT INC is still reporting inaccurate information to the consumer reporting agencies. I am filing in request for remedy regarding this matter. Please see the evidence provided once more.
Consumer complaint received 2024-02-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc. (TX)

On XX/XX/XXXX, I had XXXX unauthorized charges from XXXX which who, I dont use or do any business with charge my account. I called my bank to lock my card and I waited XXXX hours for charges to post. I called my bank to make a dispute on XX/XX/XXXX with my bank XXXX ( XXXX XXXX. ). On XX/XX/XXXX, they closed my dispute and denied my claim. They sent in a document showing XXXX transactions not affiliated with the charges stating it recognized the flow and determined that I had made those charges. I then filed an appeal on XX/XX/XXXX. It was denied for same reason. I then filed another appeal on XX/XX/XXXX with a police report, a message from XXXX support to contact my back to investigate and do a charge back. My appeal was denied again. They did not answer my questions regarding if they contacted XXXX. They gave me the same generic answer with no explanation. I have escalated my complaints twice to their Customer Advocacy team and was denied again.
Consumer complaint received 2024-02-14
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (IA)

On XX/XX/XXXX I received my ReliaCard in the mail. Unfortunately, I came to find out that the XXXXunemployment funds available on the prepaid card had multiple-monthly inactivity fees. 

After looking to resolve this issue and request these fees be waived, I attempted to call the number provided on the back of my card. I was prompted to do so by the automated message system. The number XXXX disconnected multiple times ( XXXX in total ) before I was able to speak with an individual/agent working for US Bank , unsure of why that was such an issue. I was then told that these fees could not be waived, which is a total of {$52.00}, from XXXXXXXX XXXX XXXX 

I moved out of state in XXXX, and this account was opened in XXXX. My address had been changed 1 month prior to moving out of state in XX/XX/XXXX, I feel I should have been contacted or notified I had {$800.00} + dollars in a bank account that is tied to my name. I was not notified through phone, text, email, mail etc that this account was in my name, nor that the money was available. Considering the positives to this situation, I had helpful customer service and support. I was sent a card and had my address changed as soon as I read the email. The one on file was not my current address, I feel that these inactivity charges should be waived. I had no awareness of this account until the end of XX/XX/XXXX, which is when I was able to contact customer service and explain that this is my account and to not close the account. It would have been given to the state of PA until I was able to contact them and prove it is mine. This occurred due to receiving an email from US BANK about closing my account on XX/XX/XXXX due to inactivity. Upon calling US Bank today they confirmed via phone call that they arent able to waive these fees due to it being a prepaid card. I would like these fees to be refunded as I had no understanding of the account before the month of XX/XX/XXXX nor did I have any card or access to it. There was no way to prevent the inactivity charges amounting to a little over {$50.00}. Its unfair they arent trying to find a solution for this scenario or some accommodation.
Consumer complaint received 2024-02-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (TN)

XX/XX/XXXX Our home changed mortgage service providers to Newrez. 
XX/XX/XXXX Newrez had failed to my Homeowners insurance from escrow and applied their own insurance to the property. 
XX/XX/XXXX Newrez sent past due insurance and previous insurance was reinstated. 

Received letter in mail XX/XX/XXXX that Newrez again failed to pay homeowners insurance from escrow and insurance would be canceled XX/XX/XXXX. Had to spend the next 2 hours between the insurance provider and Newrez. I have no reason to believe Newrez will correct this situation.
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NJ)

I tried to buy XXXX bus tickets at a kiosk in XXXX, XXXX on my last day in the city. ( XX/XX/year> ) The kiosk was malfunctioning and just cycled for a bit before giving back my credit card. I did not get to order the tickets and did not receive the tickets nor a receipt so it appeared that the transaction failed. I ended up having to use cash to buy the bus tickets. So I was shocked when I received my credit card bill ( XX/XX/XXXX ) and saw that I was charged almost {$200.00} at the bus station. I assumed it must have been an overcharge from when I spent less that {$20.00} on snacks at the station, since that was the only thing I bought from the station. I disputed the charge as an overcharge and then received notice that the charge was valid, that it was from the ticket kiosk, and that it was for TWENTY-FIVE tickets. Being that I did not receive a single ticket, I immediately called Chase to tell them it was a fraudulent charge and not an overcharge. On XX/XX/XXXX they asked for more information, like a receipt. I do not have a receipt because as far as I could tell, no transaction was made. On XX/XX/XXXX, They said to re-dispute the charge using the same dispute number and I immediately did so. In a few weeks ( XX/XX/XXXX ) I was told that that dispute was already closed. I called Chase again and they said that it was only closed because I re-disputed using the same number ( as I was told to do ). They told me to make a new dispute using a new number and gave me a new number to dispute with. I called again in XXXX and they said that they hadn't heard back from the vendor yet to give it more time and that the resolved dispute on XX/XX/XXXX was from the old dispute and not the new one. They told me to wait another few weeks. I have not heard anything so I called them again today and they told me that the dispute expired and can not be reopened. I don't understand how disputes can time out when Chase was the one dragging their feet. I no longer feel comfortable using my Chase card since I now know that a vendor can charge for whatever they want with no recourse.
Consumer complaint received 2024-02-14
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: AMERICAN ADVISORS GROUP (CA)

I am writing to file a formal complaint against American Advisors Group regarding a reverse mortgage issued on a property that I am responsible for. Upon reviewing the loan documents received from the current loan holder, XXXX XXXX  XXXX, it has come to my attention that the property was incorrectly appraised as a single-family residence valued at {$720000.00}. In reality, the property has a 1973 mobile home that is NOT on a permanent foundation. 

The appraisal error has led to the misclassification of the property, as all of the loan documents and necessary HUD approvals refer to is as a single-family residence. This misclassification has rendered the property ineligible for the type of reverse mortgage that was issued. It is evident that the proper inspections and due diligence were not conducted during the loan application process, which has resulted in a fraudulent loan being issued. 

I only became aware of the reverse mortgage upon the passing of the borrower. The current loan holder, XXXX XXXX  XXXX, has informed me that I would need to take it up with the issuer, American Advisors Group. Despite numerous attempts to contact American Advisors Group, I have not received a satisfactory response or any attempt to rectify this situation. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against American Advisors Group for issuing a fraudulent loan. I also request that any actions to sell the property to repay the loan be halted until this matter is resolved. I have filed complaints with American Advisors Group and XXXX XXXX  XXXX. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2024-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: First Technology Federal Credit Union (WA)

On XX/XX/XXXX, I paid off the XXXX 's amount. 
On XX/XX/XXXX, I initiated another transaction, specifically targeting principal. However, {$1800.00} of the transaction had been allocated to pay XXXX 's interest. 
On XX/XX/XXXX, the XXXX 's statement was out. 

On XX/XX/XXXX, I paid off the XXXX 's amount. 
On XX/XX/XXXX, I initiated two transactions, specifically targeting principal. However, in the first transaction, {$1700.00} had been allocated to pay XXXX 's interest. In the second transaciton, {$1600.00} had been allocated to pay XXXX 's interest. 
On XX/XX/XXXX, the XXXX 's statement was out. 

On XX/XX/XXXX, I initiated a transaction specifically targeting principal. However, {$1600.00} had been allocated to pay XXXX 's interest. 

Due to this unintended pre-payment, the reduction of my principal balance has slowed down and I have paid ~ {$150.00} extra interest than I should have. 

I contacted the bank on XX/XX/XXXX, XX/XX/XXXX. They contacted on XX/XX/XXXX. 

During evey of such commnications, in the beginning, the representative always tried to fool around and tried to get away without fixing my problem. I had to insist firmly to push them to correct my transactions. 

After the communications, they corrected the transactions on XX/XX/XXXX and XX/XX/XXXX. However, they had difficulty to correct the transaction on XX/XX/XXXX. 

In total I have spent 7 hrs on this issue. Without noticing the issue myself, I may end up paying thousands of extra interest this year. 

I request the bank to send a public notice so all mortgage constomer can check their payments, but they refused.
Consumer complaint received 2024-02-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (IN)

I put a {$500.00} security deposit down for my discover credit card. I was informed that the security deposit would be returned to me after XXXX months in the form of a check. After the XXXX the months I was worried and called my parents at home to see if the check was sent to their address and not my current address. They were unsure if they had received the check, so I called discover to cancel that check and send another to my current address. Well I waited and waited for the new check and I never received it and eventually moved in early XXXX. I then called again in XXXX to have them send another one as I had not received that check either. They said they could direct deposit it into my account and they took my bank information to do it. After another XXXX  of waiting for the deposit I had received no money. I since then have called XXXX more times to try and receive my check. In my most recent call I asked if there was a reason I had not received the money. The person on the phone said my bank was declining the deposit into my account. I then called my bank inquiring about this problem to which they informed me they had not received any form of deposit let alone declined any. It has been over XXXX  months since I was set to receive my payment.
Consumer complaint received 2024-02-13
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. (NJ)

Personal Statement these items/accounts/inquries are unauthorized and unrecognized please help delete these items from my CONSUMER REPORT for they are causing me great harm and suffering in hindering me from life liberty and the pursuit of happiness.

inquiries : 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 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 XXXX, Accounts : 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
Consumer complaint received 2024-02-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST HORIZON BANK (FL)

Banker not starting an application to open a Small Business checking account even when presented with all required documents as listed on their website. On Tuesday XX/XX/24 walked into the XXXX XXXX XXXX branch inquired what was needed to open a small business checking account. The banker proceeded to ask pre qualification questions along with taking down my social security # and EIN # for business, When I mentioned one client paid through XXXX. She said we don't do XXXX and a second time we don't do XXXX, my response was they can pay via a wire transfer if needed. My other income was from a local University. On Tuesday XX/XX/24 I submitted an email with 7 attachments ( 2 Business Bank statement, EIN letter, Florida articles of incorporation, My Florida ID ). Then on XX/XX/24 I received a phone call on my cell from the same Banker asking for copies of all my contracts with my customers, still nothing starting the process. A comment the Banker made on the phone " we don't open accounts just for anyone ' along with the style and tone of all her questions on asking about my personal Bank balances seemed very arbitrary and after having other friends open business accounts at the same branch didn't receive the same level of scrutiny. Only difference would be that my friends were not of XXXX.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is a complaint that this company is in violation of the FCRA. On XX/XX/2023 I made my third attempt at requesting the method of verification from this company, to which each time my request has been ignored and unanswered. This is a clear violation of the timeframe allowed by law. As a result the account in question is inaccurate, incomplete and can not be verified so please delete this item in accordance to 15 USC 1681i ( 5 ) ( A ) ( I ). The account is question is Department of education student loans to which each account reflects 6 late payments 0n 7 accounts.
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (SC)

Despite several previous contacts, Wells Fargo continues to allow XXXX to charge my account almost every month. They insist on being contacted by phone or in writing for disputes. I don't have time for their games. Every time I have sent them a written complaint, I never receive a response. I think they do this to negate their responsibility in the hope that people will just give up. This needs to stop. They should be required to be accountable for their failure to reasonably protect their customers.
Consumer complaint received 2021-02-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc. (PA)

I have written XXXX letters asking for validation of an account that's being reported on my credit. I have received XXXX responses from XXXX different companies in reference to this! If that isn't confusing enough when the company I wrote to validated the account, the information that they sent me fell so far short of what I requested, it is pathetic! As a consumer I have rights. I am confused! I feel helpless! I do not know who to contact for help with this! PLEASE HELP ME!
Consumer complaint received 2024-02-15
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (OR)

Wells Fargo ( WF ) is in a Settlement Agreement with the CFPB to reimburse WF customers they unlawfully charged fees, interest, and enrolled customers in unauthorized programs. WF has hired a third party company to handle paying back customers. The third party company named XXXX XXXX is out of compliance with the settlement agreement. The Settlement Agreement requires timely reimbursement. They are months behind in their payments to customers. The money owed to me is 30 days past due. 

Section IV of the Settlement Agreement places the ultimate responsibility for compliance with the Agreement on the Board of Directors. WF has received XXXX 's of complaints regarding their non-compliance with the Settlement Agreement with complaints as recent as XX/XX/2024. WF continues the same deceptive practices today that they were fined by the CFPB for in the current Settlement Agreement. WF has been cavalier, dismissive, apathetic and nonchalant about the Settlement Agreement, and their non-compliant status.

The CFPB has oversight for the Settlement Agreement and WF 's compliance. There are XXXX XXXX complaints in the CFPB complaint database complaining about WF 's deceptive behavior as recent as XX/XX/2024, and WF 's non-compliance with the Settlement Agreement. 

The CFPB has the authority and oversight responsibility to enforce Wells Fargo 's compliance, assess additional fines, and obligate WF to take the Settlement Agreement seriously and manage timely remediation.

Why was the Settlement Agreement entered into by the CFPB if Wells Fargo has no intention and could care less about it's customers. 

I want Wells Fargo to honor the terms of the Settlement Agreement and process my remittance check immediately, as well as the checks of others timely. If WF does not step up and adhere to the timely terms of the Settlement Agreement, CFPB should step in and protect the thousands of customers that were and are being harmed.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (FL)

I received a copy of my consumer report from Early Warning Services on XX/XX/XXXX that contains transactions from my XXXX XXXX and XXXX XXXX XXXX XXXX. The accounts I have with these financial institutions are personal checking and savings accounts. The Fair Credit Reporting Act ( FCRA ) is a federal law that helps to ensure the accuracy, fairness and privacy of consumers information in the credit bureau file. Per 15 U.S.C 1681b ( 1 ) ( 2 ) Early Warning Services is in direct violation. As the consumer, I have the right to protect my private information from being shared. Early Warning Services violated the Privacy Act of 1974. Any and all consent to Early Warning Services to report or provide my information verbally, nonverbal, written implied or otherwise is revoked. And 15 U.S.C 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Also, per 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services. I appreciate your consideration of this concern and look forward to a profound result that justify me as the consumer rights and facilitate financial fairness of {$1000.00} per violation of the FCRA. I have added the Early Warning Services consumer report as well to reference.
Consumer complaint received 2024-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (NC)

I believe the account is invalid. CREDIT COLLECTION ( Original Creditor : XXXX ) needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. CREDIT COLL ( Original Creditor : XXXX ) XXXX