davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (WA)

Chime Bank closed my checking account with them and reversed a cleared transaction. Upon inquiry they claim to have no record of the transaction taking place. 

I paid {$58.00} to XXXX on XX/XX/2020. The transaction completed successfully and I received a receipt with a confirmation number from XXXX. 

On XX/XX/2020 I received an email from Chime stating they have closed my checking and savings account I had with them. They neglected to state why. 

At the same time, I received notice from XXXX that a payment reversal had been issued at XXXX XXXX on XX/XX/2020. 

Chime states that they do not have record of this transaction ever taking place. They made no acknowledgement to the whereabouts of my money after I asked where it is.
Consumer complaint received 2023-05-05
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2022-05-20
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. (FL)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX ( XXXX ) XXXX Opened XX/XX/XXXX Balance {$500.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$400.00} XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX Balance - XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX Opened XX/XX/XXXX Balance {$500.00}
Consumer complaint received 2022-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (AL)

Someone applied for a credit card in my name with Barclays that I did not authorize. I called on XX/XX/XXXX and spoke with XXXX who was able to start the fraud process. XXXX assured me that the fraud department would investigate, request the removal of the inquiry, and get back to me by XX/XX/XXXX. On XX/XX/XXXX I still have not received a response or a call back so I called in to Barclays again and spoke with XXXX. XXXX could not find an account or the application. They are now stating that there is no application with in their system using my social security number.
Consumer complaint received 2023-10-11
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. (MA)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
On XXXX, XXXX XXXX Reported to Experian that I had a late payment.
Consumer complaint received 2022-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

On XX/XX/2022 I certified mailed my remittance coupon signed with my beneficiary signature per UCC 3-419 to the CEO of Bank of America XXXX XXXX XXXX XXXX Included with my remittance coupon was a remittance letter stating that I was aware that Bank of America has been double dipping on my payments, XXXX being from my personal bank account through an electronic payment method and the other via my XXXX XXXX XXXX trust named after myself. The remittance coupon IS the payment that Bank of America is using to access the funds in my trust AND they were taking my hard earned income. 

The coupon is the negotiable instrument, per UCC 3-104 and by definition from XXXX 's XXXX XXXX, which was accepted by Bank of America via the Postal Rule and was received by XXXX XXXX on XX/XX/2022. The value of coupon was written " Full Balance '' for the total sum of {$7300.00}. Included on the money order was this hand written information : UCC 3-603 and UCC 3-311 . 

I called customer service on XX/XX/2022 noting that my balance had not been discharged for the above mentioned amount. I was shuffled to XXXX different individuals who could not provide remedy to my situation. They did state that they could not find my payment and would open a case. The case # is : XXXX. 

In addition, on XX/XX/2022 I certified mailed my remittance coupon signed with my beneficiary signature per UCC 3-419 and UCC 1-308 to the payment processing center in XXXX, Texas. Included with my remittance coupon was a remittance letter stating the definition of a coupon per XXXX 's XXXX XXXX. The definition states : A coupon is a written contract for the payment of a definite sum of money on a given day, and being drawn and executed in a form and mode for the purpose, that they may be separated from the bonds and other instruments to which they are usually attached Once again, I called customer service on or thereabouts XX/XX/2022. And again, the customer service rep could not find my remittance coupon which was converted to a money order via my beneficiary signature without recourse. The value of coupon/money order was {$5000.00}. 

The coupon/letter was received on XX/XX/2022 by XXXX XXXX XXXX Included on the money order was this hand written information : UCC 3-104, UCC 3-603 , UCC 1-308, UCC 3-419, HJR 192, 12 USC 411, and 18 USC 8. 

To this date my balance has not been discharged for the above mentioned amount. I have tried on XXXX separate occasions to pay and/or discharge my credit card account via acceptance for value using the attached negotiable instrument, the coupon.
Consumer complaint received 2022-05-20
Product: Checking or savings account — 
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

The account has {$0.00} balance for many months. Citizen Bank incorrectly reported 30 days late payment on the {$0.00} balance. I have an open case # XXXX with Citizen Bank since XX/XX/2022 but they keep promising to remove the negative information with actually doing anything.
Consumer complaint received 2022-05-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

I lost my home to a wildfire in 2021. At the time of the loss, I had only force placed insurance coverage through the mortgage lender. My understanding of said coverage is it only protects the lender and pays off the loan. Since I suffered a total loss and had no HO policy, I therefore could not continue to make my mortgage payment as well as a monthly rent to have housing for myself and my son. I have contact my mortgage company and advised them of my financial status. I have also requested more information regarding this claim process and confirmation that my understanding that my loan would be paid in full but have not received adequate information. I am now being told that the forced place carrier has submitted payment far less than my mortgage balance and I need to submit the difference before my lender will apply any monies they have received from the insurance carrier. I do not have that amount available nor do I understand how the adjuster 's report devalued my property so badly. 
I am in need of assistance as I am in default and I can not even sell the bare land to try and repay late fees/penalties to the lender. 
I understand that I have no compensation for my personal belongings, expenses paid for housing however I do not understand why the principle balance of my mortgage loan was not paid by the insurance carrier.
Consumer complaint received 2022-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XX/XX/30 I sent in a FTC report and a letter I sent to each credit bureau Transunion, XXXX and XXXX with details about the fraudulent and inaccurate items that are on my report. The fraudulent inquiries were removed but the inaccurate accounts are still reporting on my profile and they are stopping make from moving out of public housing with my family. I am attempting to better my life and purchase a home but I have to stay in a terrible neighborhood that I have to raise my children in. My rights have been violated and this is very unethical.
Consumer complaint received 2022-05-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank Of America closed my checking accounts ( both personal and business ) that I have had with them for the past 18 years without warning or explanation on XX/XX/2022. I think it is important for you to know immediately that I am someone who has never paid a single bill late in my life, does not ever have an overdrawn account, never bounces a check, never has a {$0.00} balance. I am a financially sound person and a valuable member of my community. Additionally, I was a Bank Of America XXXX XXXX XXXX XXXX, which only makes this more difficult to understand. Bank Of America did not notify me prior to doing this. I learned of the closure upon receiving emails the morning of XX/XX/2022 stating my accounts had dropped below {$100.00}. I then signed into my online banking and discovered that all my accounts had a balance of {$0.00}. I thought I had been robbed. I immediately called the bank and they informed me they had decided to close my accounts and additionally had withdrawn all of my money and would be mailing checks to me in 7-10 business days. I had XXXX checking accounts with Bank of America with a total balance of {$13000.00} on XX/XX/2022. I have spoken with customer service multiple times on the phone and went to the bank in person and they refuse to give me a reason beyond this being a " business decision. '' I find that to be an unacceptable answer and have tried to demand any shred of a real reason they can provide but they refuse to do anything other than say repeatedly that this was a " business decision. '' Having my bank of XXXX  years suddenly leave me with {$0.00}, without notice, and without a valid reason is causing me an enormous amount of pain, suffering, XXXX  and costing me valuable time which in my case equates to money. I find Bank Of America 's behavior to be extraordinarily unethical and beyond that, dangerous. If there is a derogatory mark on my record that caused them to make this decision, it must be due to fraud or identity theft, and therefore I would think my bank of XXXX years would be morally obligated to let me know so I could fix the problem and protect myself from this happening in the future.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AFNI INC. (OK)

ON XX/XX/22 ASKED AGENT TO VERIFY WHAT BUISNESS THEY WERE AND HOW I OWED THEM MONEY WHEN I NEVER DONE BUISNESS WITH THEM. AGENT WOULD NOT EXPLAIN HER COMPANIES REASON FOR CONTINUALLY REPORTING THAT I WAS DELIQUENT ON PAYMENTS THAT I NEVER SET WITH THEM. SHE CONTINUED TO WANT ME TO TELL HER MY SOCIAL SECRUITY NUMBER. THIS IS A 2ND OR 3RD PARTY DEBT COLLECTOR OF A DEBT OLDER THAN 5 YEARS. I HAVE NEVER SET PAYMENTS WITH THEM AND OTHER THAN ABOVE DATE NEVER SPOKE WITH THEM. THEY CONTINUE EVERY 3 MONTHS TO REPORT TO MY CREDIT REPORT THAT I HAVE LATE PAYMENTS. PLEASE STOP THEM FROM REPORTING ON MY CREDIT WHEN I DON'T HAVE BUISNESS WITH THEM.
Consumer complaint received 2016-01-20
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (MD)

I have been cheated by Wells Fargo! They were to set me up on an interest free payment plan, and I trusted them to do that. However, they set me up on a payment plan that took me way beyond the interest free date and even though I paid more than was required each month, I 'm now stuck paying almost {$300.00} in interest, as well. Wells Fargo really sucks! I will avoid doing business with them in the future.
Consumer complaint received 2022-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

Our mortgage was sold to Mr. Cooper ( through XXXX ) in XX/XX/2022. We made our payments ( {$1200.00} ) to our original mortgage company for XXXX and it was then given to Mr Cooper at the end of XXXX. Then we set our bank to automatically send our mortgage payment check to Mr Cooper. XXXX payment was received, deposited, and credited to our account with no issues. XXXX was sent the exact same way as XXXX. When we received our statement for XXXX it said we were a month behind and we were charged late fees. I immediately checked our bank account to ensure a check was sent and it was. I have the check image that shows it was deposited. The front of the check is identical to XXXX check, including account number. So I called Mr Cooper and was told they never received our XXXX payment. Thinking itd be an easy fix she gave me the email address to send the copy of the check and theyd take care of it. 
I did that. I waited almost XXXX weeks with no word from anyone. So I took to social media to get attention. They replied theyre still trying to find the funds. Then I got an email from them saying they didnt deposit the check and its basically not their problem anymore. Our bank says the deposited check is the proof of payment, yet Mr Cooper is not acknowledging that or crediting our account. Then our XXXX payment which was also sent the exact same way as XXXX and XXXX was received, deposited, and credited. It was credited as our XXXX payment but it was received with no problems.
Consumer complaint received 2022-05-20
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: NCB Management Services Inc. (TX)

In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2016-10-07
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: NAVY FEDERAL CREDIT UNION (IL)

My identity was stolen in XXXX of this year. I then went about the proper procedures when alerting banks and the credit bureaus. I notified my bank Navy Federal Credit Union, who is holding me accountable for the identity theft even though after the investigation through XXXX. I am proven innocent and that I had no affiliation with the con man.
Consumer complaint received 2017-05-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MD)

A transfer was not available as promised with the reference number of  XXXX  using  MoneyGram c ompleted on  XXXX / XXXX / 2017 .  XXXX  in  XXXX   XXXX  proceeded to pick up the transfer and had problems. He was told to contact me and have me call in  MoneyGram  at  XXXX   XXXX   XXXX . Today  XXXX / XXXX /   2017  I called in and spoke with a female customer service representative that stated she would do a refund which was not my request. I told her I did not call for a refund. I called to have the error fixed with the recipient picking up his transfer.
Consumer complaint received 2023-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

XX/XX/XXXX, I did a wire transfer in the amount of XXXX XXXX to my American Express platinum card to further my my credit spending power to purchase a car that I ordered. Also to secure my reward points of XXXX. However, the car dealership would not accept the card payment in that amount due to the fees they would incur. On XX/XX/XXXX I requested a refund via wire transfer to my account, as I have not been able to secure the down payment for the vehicle until I am refunded. Amex originally told me that due to the amount of the refund, it would take 2-3 days for the transaction. I called 2days later to check the status and was told the wire transfer would take 10 days from the XXXX XXXX XXXX. I then called another 3 days later and was told it would be 12 days from the day of this call. 
I requested for written policy on why the funds were being withheld. To no avail. Today is XX/XX/XXXX, called Amex to check status of refund and was told that it would be wired 10 days from today. I asked to speak to a Supervisor, who then told me, the transfer would be initiated XXXX XXXX XXXX XXXX XXXX XXXX and would deposit into my account XXXX XXXX 
I have been completely taken advantage of. I was able to speak to someone in the back office to get the wire trans for done. It took 2mins for the transfer to hit Amexs acct and for them to credit my account within 20 mins. 
I call to have my transfer escalated and no such back office is available to a customer.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Halsted Financial Services, LLC. (OK)

ON XX/XX/22 ASKED AGENT TO VERIFY WHAT BUISNESS THEY WERE AND HOW I OWED THEM MONEY WHEN I NEVER DONE BUISNESS WITH THEM. AGENT WOULD NOT EXPLAIN HER COMPANIES REASON FOR CONTINUALLY REPORTING THAT I WAS DELIQUENT ON PAYMENTS THAT I NEVER SET WITH THEM. SHE CONTINUED TO WANT ME TO TELL HER MY SOCIAL SECRUITY NUMBER. THIS IS A 2ND OR 3RD PARTY DEBT COLLECTOR OF A DEBT OLDER THAN 5 YEARS. I HAVE NEVER SET PAYMENTS WITH THEM AND OTHER THAN ABOVE DATE NEVER SPOKE WITH THEM. THEY CONTINUE EVERY 3 MONTHS TO REPORT TO MY CREDIT REPORT THAT I HAVE LATE PAYMENTS. PLEASE STOP THEM FROM REPORTING ON MY CREDIT WHEN I DON'T HAVE BUISNESS WITH THEM.
Consumer complaint received 2022-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (CA)

On XX/XX/22, I received a letter from PNC Bank saying there is a 2 year seasoning period required to have PMI deleted. Currently, I have over 24 % equity ( 27 % as of today ) and the article I read says that after having 22 % equity there should be automatic PMI deletion. Is it valid for PNC Bank to have a minimum 2 year seasoning period? I followed their instructions to mail them a check for {$100.00} to have an updated appraisal of the condo, and they mailed the check back to me. They alerted me to the two year minimum, which is not a requirement as per the CFPB article about PMI deletion.
Consumer complaint received 2022-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

All three major credit bureaus were notified via certified mail and online. certified mail ( XX/XX/XXXX ) and online ( XX/XX/XXXX ) via dispute of a collection account that was being reported that was not mine. We have spoken with the original creditor several times. The original account was never validated back in XXXX with a different collection agency and was removed from XXXX. It was then sold and added back to my credit reports and we are now disputing again. The new collection agency failed to properly validate this date per the FCRA and Texas Finance Code, the credit agency failed to properly validate this claim. XX/XX/XXXX - they refused to update this claim stating it had been verified. The most recent dispute asked them to validate and provide their method of verification as we know this account can not be verified because we spoke with the original creditor again on XX/XX/XXXX and again they have no record of me never having an account or an account being sent to collections, that I am eligible to apply for an account. The collection agency also stated they were under no obligation to provide any original documentation showing proof this account was not fraudulent and belonged to us and they would only verify to the credit bureaus.