davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-02
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

We received emails, letters, and phone calls. We were required to fill out actual papers to return in the mail and uploaded documents electronically. Unfortunately, our rep kept asking for information already submitted which lead to confusion if anything was really needed. We did finally figure out that our multiple year tax returns ( labeled as such ) was only for one year, which would not have been a problem to upload the correct documents as it was easily accessible. The main problem is that the rep advised my husband 's contract was a requirement. I spoke with the rep and rep 's supervisor advising that we are unable to get his contract as it was still being reviewed by their lawyers. As of date, we still have not received his contract. USAA would not give an extension on the dates as they stated the dates given were a state requirement. Please advise if this is accurate or not. We asked if there were alternatives, which we provided as requested contact information to verify employment over the phone also advising it was changing to a month to month contract, but this did not suffice. I want to see if this was handled correctly. I am upset that the process left us confused on something that should have been a simple enough process in saving us lots of money at a time that rates were at an all time low. Please note that a letter was sent with the date the material was due, however, it also stated required documents which were already uploaded. I took the whole document to be inaccurate, as I was told over the phone that a yes or no answer was needed to refinance or not by XX/XX/XXXX and close out with refinance where both signatures were needed by XX/XX/XXXX. The dates contradicted one another. Also, from a customer service point of view, the rep was passive aggressive in calling the night before deadline around XXXX - XXXX CST. I reached out to the supervisor due to above and being told to keep uploading documents already in the file without the rep looking at everything. This is when we figured out what was actually needed. USAA, in our eyes, had enough information to make a decision or could have suggested a better valid alternative. Last complaint is that I had to figure out where the savings were rather than USAA advising these tips and this is what the rep and supervisor do for a living versus 1st time refinancer ... or attempted refinancer. One of these savings has expired due to USAA being unable to render a decision.
Consumer complaint received 2018-10-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO. (IL)

On, XX/XX/2018 {$1000.00} was sent from my Chase account ( Via XXXX  ) to a recipient in XXXX XXXX XXXX, Illinois. Within a hour or so, I noticed the funds were not received by the person I sent the funds to, but was received by an incorrect account holder. I immediately contacted Chase ( same day ) and was advised by the representative to submit a claim. I submitted the claim immediately as requested by the Chase Customer Service Representative ( CSR ).

I followed up with Chase daily, but could never speak to anyone from claims or the " back office '' as the CSR called the department. Several days later I was told by the CSR that Chase contacted the incorrect account holder but did not receive a return phone call or letter. CSR stated that because there was no response from the person the bank would do nothing and denied my claim.
Consumer complaint received 2018-10-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (MO)

XXXX XXXX is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Account number XXXX in the amount of {$610.00}
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion, XXXX & XXXX Hard Inquiry Removals : 1. ) XXXX XXXX / XX/XX/2023 2. ) XXXX XXXX / XX/XX/2023 3. ) XXXX XXXX XX/XX/2023 This is a violation of the Fair Credit Reporting Act ( Section 1681 b ) and a serious breach of my privacy rights.
Consumer complaint received 2016-01-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Bureau of America Ltd. (CA)

The water delivery service XXXX XXXX pure, is offered thru XXXX. I gave them the XXXX XXXX and set up auto pay. Some how the XXXX XXXX AKA XXXX had fraudulently billing by opening XXXX accounts with the account number XXXX and XXXX, and charging every month for many many months. 
As XXXX is such a reputable company, I allways pay the bill without going into details. This duplicate, fraudulent billing from the XXXX XXXX Ref XXXX went on for many months. One day, I realized and called XXXX XXXX as well as XXXX. They put all these duplicate charges in dispute. After this XXXX sent all those charges to collections, then A person from XXXX XXXX with the name XXXX XXXX called on XX/XX/XXXX at XXXX called me and said the account is cleared as of XX/XX/XXXX by XXXX. 
Now in XX/XX/XXXX, I realized that they informed the credit bureaus saying that I owed about {$160.00}. This dented by credit score so much, that I am having hard time getting home loans. I request you to call, intervene and do me the justice by calling Collection bureau of America number XXXX Id number XXXX. I would like you to deeply investigate into this matter as I do n't want these XXXX to defraud hapless, innocent customers like me.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Greetings, Both my loans ( XXXX # : XXXX & XXXX # : XXXX ) were considered past due in XXXX despite the payment coming out of my account on the XXXX of XXXX for both loans. 

This has DESTROYED MY CREDIT without a fault on my own. I have been admitted to the XXXX XXXX XXXX program and need to take a loan for {$250000.00} and was denied because of this issue. Also, I am moving to California with my wife and daughter at the end of this month and won't be able to rent a home to live in with this issue at a high cost of living area ( XXXX XXXX ). I have had +12 years of on time 100 % payments before this issue and an almost XXXX credit for all these years. 

Few issues/notes here : The payments were withdrawn on the XXXX of XXXX versus the XXXX or before despite being on XXXX. Why were they not withdrawn on the XXXX? This is an issue from your end. PLEASE SEE ATTACHED. 
The payments for some reason got sent back to me after. Also, this is not my issue. If this is an overdraft issue, why would the money be withdrawn from my account in the first place? I also am a premier account holder with XXXX. 
The payments were made again on XXXX of XXXX. I also called and was told that the late fees were waived and that there will be no further issues, yet, this was sent to the bureas and DESTROYED MY CREDIT I am in no need for help paying for my mortgage, however, I have been sent multiple BLUE packets that went to the wrong address and took a while to get to me ( address is updated on the system ). 
I was not told that the 30 days count from the XXXX of the month rather than the XXXX. 
I have changed my auto pay date for the XXXX of each month to avoid this issue in the future all together. 

I have attached : XXXX bank transactions/date with regards to both mortgages. 
my credit reports over 12+ years The chart of the credit score and the huge loss I incurred XXXX XXXX XXXX admission letter loan for school program : rejection and reasons for rejection I look forward to your support with getting this taken care of. 

Thank you, XXXX
Consumer complaint received 2023-04-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

XX/XX/2022 I ordered a shower door from XXXX. The door that was delivered was not the correct one. It was returned and the account was credited. Since then I have been billed twice for the correct door that I refused at my front door. I disputed and XXXX found in XXXX 's favor. Since I have talked to XXXX and they requested that XXXX find in my favor and XXXX refuses to do that as the file was closed. i will not pay for a {$600.00} door that I do not have. XXXX has sent my account to collection. I am caught between XXXX and XXXX with each pointing at the other.
Consumer complaint received 2023-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MI)

I recently switched my banking to Wells Fargo including my personal checking as well as business bank accounts. After transferring all of my funds and conducting business transactions for almost two months, I received an email saying all of my accounts were being frozen due to 3rd party deposits that were being made by my tenantsXXXX as this was against bank policies. Without any other notifications or warnings, I immediately lost all access to my accounts online and all incoming deposits and scheduled withdrawals were canceled. After contacting the bank and explaining the details I was informed that in order to resolve the issue, all the tenants would have to go into a local branch and physically verify identities or the accounts would be closed. Unfortunately, this was not a feasible request of the tenants due to the fact that we are located in Michigan and the closest branch was confirmed to be in XXXX, Florida. After explaining this, I was told that all accounts would be closed on XX/XX/XXXX and a certified check totaling over {$12000.00} would be sent out by mail, which represented the additional funds in all 3 accounts that were unrelated to the matter. They stated that the {$2000.00} in question would still be on hold until the proper verifications were made. When I called today, XX/XX/XXXX, to verify that accounts were closed and check was being sent, I was now told that an extension was placed on the account closure until XX/XX/XXXX to give the people in question time to verify. I was also told that they will continue to extend the closure until verifications are made in person. I was able to escalate the call up to higher management and they understood and reasoned with me, but confirmed that there would be no way for me to obtain my funds until verifications were made and more than likely extensions would continue until then. I explained that I could provide several forms of proof to resolve this issue including lease agreements, copies of tenant IDs as well as contact information for all in question but that to expect these individuals to travel to Florida for a local branch was simply not realistic. At this point I am willing to forfeit the {$2000.00} that is unverifiable but the additional {$12000.00} that I was expecting to be released today should not be locked up in this situation. I even suggested that I could travel to Florida to at least verify my own identity and get my funds released but I was told that it wouldn't help unless all funds were verified first. I am literally in a position where I have to just sit and wait until the bank decides to actually close the accounts, which according to several representatives is not likely to happen anytime soon.
Consumer complaint received 2018-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Financial Business and Consumer Solutions. (OH)

Received a letter on XX/XX/18 from FBCS , Inc trying to collect on an old debt that is past the statute of limitations in the state of Ohio and is no longer on my credit report. They say that I owe I owe {$1800.00} to XXXX XXXX XXXX and then XXXX XXXX, and now this bottom feeder collector has now bought the old debt. They even gave me the option of paying only {$550.00} to settle the debt ...
Consumer complaint received 2023-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681 Quick search by citation : Title enter title Section section 15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

Accounts name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXXXXXX XXXX Account number : XXXX These companies have violated my rights listed above.
Consumer complaint received 2018-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On Today, XX/XX/2018 I received an alert from my fico stating that my name which I had already disputed with XXXX and thought I had it updated was reversed back to a previous name on my report. I have contacted XXXX, XXXX and TranUnion more than once with this concern. I have sent in notarized documentation with supporting documents ile,. drivers license, and mail with my name and address information. However they refuse to update the information that is given. I find it very hard to understand how a credit reporting agency can at will go in and change your information on your report at will. This is very disheartening to find that a company can change your info at will. I am attaching my drivers license as proof yet again to prove my name and hopefully this time this name change will stick.
Consumer complaint received 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (DC)

Fifth Third Bank report my account as pass due more than 30 days in the month of XX/XX/2018 and as a result I'm been denied a current loan application. My monthly payment changed on XX/XX/2018 to make up for a change on the escrow account to cover property taxes and insurance. The monthly payment was {$660.00} until XX/XX/2018. Then, in XXXX the monthly payment changed to {$730.00} starting XX/XX/2018. As I was away on vacations I did not noticed the change on the monthly plus my payments are on autopayment. Firth Third bank received my XXXX payment of {$660.00} cashed and put it into an escrow account rather than into my loan account. 
In XXXX, when I found out about it. I was asked to make an extra payment of {$73.00} to cover the XXXX balance. In XX/XX/XXXX, i made an extra payment of {$140.00} to cover the {$73.00} balance for XXXX and XXXX as my payments are in autopayment and every first of the month my bank ( XXXX ) send a check to fulfill the payment. As a result, my XXXX payment of {$660.00} was already out on the XX/XX/XXXX by mail and a second payment for {$140.00} went out on XX/XX/XXXX. 
In sun, my XXXX payment was short {$73.00} dollars as a result of an adjustment on the monthly payment on a Fix mortgage. Please note the payment become delinquent every month on the XXXX. So, Fifth Third Bank received more than {$730.00} before XXXX XXXX. Therefore, my account was not late more than 30 days.
Consumer complaint received 2019-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/XXXX, I bought a used XXXX XXXX XXXX machine for {$1800.00} on XXXX. The buyer offered the machine in excellent condition. When I received it, I spent a few months to complete the necessary equipment to start this machine. When I started it, it turned out that there is a mechanical problem and this machine could not be run by a computer. I bought three computers and cables, tested them and could not do anything. When I contacted the XXXX branch in Texas, they told me that this machine is old, components are no longer manufactured and it is not possible to repair it. 

This seller promised me a refund if this machine will be not working. I made the return of this machine on XXXX, he had money blocked, he asked me to unblock the account, and if machine will be not work, he will give me back the money. I helped him, his XXXX account was unblocked. When I wrote to him that I have no chance to repair this machine, he ignored my messages. 

I demanded from the seller to pay for the shipment of this machine from his house to me and forward for the return. I do not believe him and I can not risk any further losses. This machine takes up a lot of space and I want to get rid of it. 

Because of his lies and deception, I lost several times as much as I paid him. 

I asked the bank for help. I sent evidence of lies and deception. The bank gave me back {$1800.00}, but in a few days he took all the money back and gave it to the cheater. 

This is not the first time. When I set up an account with them many years ago, they did the same. They believed the crook, and I lost {$550.00}, even I had evidence of fraud on paper. They demanded telephone calls from me, because it is company condition. I asked them that my XXXX was weak and that the documents should be enough. Lady from Chase bank customer service spoke with me, but they believed the liar. XXXX the good XXXX spiking person.
Consumer complaint received 2023-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2023, I conducted an inquiry into my credit report and discovered items that were unverifiable, invalidated, inaccurate, or questionable. Your agency did not ensure that the information it reported was completely 100 % accurate. 
In response to these findings I on XX/XX/2023 created and mailed numerous letters to XXXX, XXXX, and TransUnion requesting these items to be either investigated proving their accuracy or to have them removed due to not being correct. 

However, I have not received anything from them. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2015-07-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (CA)

I recently had an escrow analysis done by Shellpoint Mortgage servicing. The analysis came back as me owing {$440000.00} due to a shortage in my escrow account. I Knew my shortage was coming. I tried to contact Shellpoint multiple times to try to pay more in my escrow account to offset the eventual increase in my impounds account. Most of the additional money was applied to my principle of my loan, or the money was put in a side account, and nothing was done with it to reduce my shortfall in my impounds account. When I tried to notify Shellpoint about an impending increase in my impounds account, they told me to write a different check for the amount of my shortage for my impounds account, and write Escrow Only on the check a long with my account number. I did everything they ask, and my checks were still applied to my principle. I called them again to speak with someone in escrow regarding my impending increase in my escrow account. They stated all information must go through customer service, and I could not speak with their escrow department. They said I could fax a letter to them about my problem. I faxed a letter to them, and they still did nothing. Eventually Shellpoint refunded all of my excess funds sent to them for the shortage in my impounds account. When I received my analysis recently, I was told if I could n't pay the amount in full, my monthly payments on my mortgage would go up {$800.00} a month more. I would have to pay off the amount owed in my impound account, and play catch up with my shortfall in my impounds account. This is clear evidence of Shellpoint trying to generate debt. By doing so, they would get interest on my impounds shortage, mortgage interest, and of course the amount owed for the shortage. This is clearly an intentional act to get more money from the consumer. Their accounting practices are always behind in what is owed. They hit you with late fees if your are late even if it was their fault. It seems one hand does not know what the other is doing. 
Shellpoint is clearly trying to make customers default by their business practices.