davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: AmeriHome Mortgage Company, LLC (NJ)

XXXX ) Our loan was modified in XX/XX/XXXX to a new monthly payment of {$3100.00} ; ( XXXX ) in XX/XX/XXXX, we received notification from our loan servicer that the new monthly payment with escrow repayment was {$2600.00} ; ( XXXX ) in XX/XX/XXXX, your payment unexpectedly increased to {$3200.00} ; and we were reported to be in default then after paying {$6400.00} in XXXX the payments unexplainable changed to {$3100.00}. 
( XXXX ) Unexplained large unpaid sum appears on the monthly statement. When asked XXXX told different reasons that includes attorney fees, bankruptcy fees, inspection fees, cooperative fees and etc with no specific dates. And it varies ; in XX/XX/XXXX it was {$7800.00}, XX/XX/XXXX it was {$25000.00}, XX/XX/XXXX it was {$11000.00}, XXXX its {$18000.00} ( XXXX ) We are requesting a detailed explanation for the payment changes that include specific dates that occurred on this account.
Consumer complaint received 2024-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE (TX)

On or about XX/XX/year> I opened a checking account with Huntington Bank online! Approximately two weeks later I was locked out of my online access! I called and the representative unlocked my access! The same day I was locked out of my access again! I contacted the bank customer service number and was told that I needed to come in with my Social Security card and identification to verify my identity. 

On or about XX/XX/XXXX I contacted the bank again and communicated my difficulty in Physically being able to present myself into the branch Due to being in a location, currently not serviced by one of the branches! I informed the representative that I am a XXXX person and traveling is very Difficult for me, I understand the rules of the USA patriot act requires them obtain this information! They had already opened my account, allowed me to fund the account allowed me to make transactions on the account, And now they have barred my access to allow me to verify the safety of my funds And recent transactions! 

I asked the representative how many other banks allow the opening of bank accounts in the United States without ever seeing a customer inside of a branch and he couldnt answer So I presented a reasonable alternative that should suffice the patriot act. I asked if he could send me an affidavit requiring the information the bank needed from me, allowing me to have a notary, verify my identifying documents, in my presence. And forward that document to a representative in the bank that could lift my being frozen out of my account. 


The representative at Huntington Bank said that they required anyone opening an account with them to Come inside the branch. 


He had no answer as to why they do not allow legal representatives such as a notary to verify for them He also had no answers to how they made their services available to Americans with XXXX I have also been put out by canceling the direct deposit from My government benefits that were scheduled to be paid there this coming Monday XXXX  By redirecting them to Another financial institution that I have been using that has higher fees, causing me to have to wait an additional week for my funds to come in the Mail during the temporary validation. That the government benefits require while validating my account.
Consumer complaint received 2024-09-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

I opened a checking account with Chase Bank on XX/XX/year>, at or around XXXX XXXX. One or two days later, I deposited a money order for {$1000.00} and also deposited cash equalling {$1000.00}. Two days later, I deposited another {$1000.00}. Later that day, I realized I couldn't log into my account anymore. I called the phone number that I was told to call on the website. The representative authenticated me and then said to me that the bank decided to close my account. I asked for the reason and if there was anything I could do to help resolve the problem. I was told they couldn't give me any details about the situation and that they had a right to close the account for any reason. I told them I understood but felt I needed to know if it was for suspicious activity, compliance issues, or other matters so that I could help in any way. They again stated that they chose not to give out any details. I told them it would be more transparent to give me something, or it would make me feel discriminated against as a consumer. I don't know why they would close my account and inconvenience me by waiting 20 days to receive my money and lock me out, so I can't verify my funds without any reason.
Consumer complaint received 2024-09-06
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC (TX)

In XX/XX/year>, I had an unexpected family emergency and had to get a title loan through TitleMax on XXXX XXXX in XXXX, Texas. My loan interest rate was calculated daily, but this helped because I was able to monitor my loan payoff by adding extra money when I could in effort to pay the loan off. This loan product was available until XX/XX/year>. In XX/XX/year>, I went to pay on my loan and prepared to pay extra, but I could not pay my account online. Thereafter, I went to the store with a total commute time of 2 hours and took time off from work. A lady employee advised that the loan product once offered to me was no longer available, and I had to sign on to their new loan product that required a flat 30 days interest rate. I had no other option other than to go into default. She did not inform me that it would become more difficult to make loan payments after certain dates. For example, I tried to make a payment on XX/XX/year> in effort to pay off my loan, I was told that I had to pay the full 30 days interest rate despite only 15 days passing. Next, TitleMax employees told me that I could pay additional money towards the principal if I paid by the XXXX, but when I tried to make an extra payment, my online account did not work on XX/XX/year>, and I could only pay the 30 day interest from XXXX to XXXX even though the full interest did not matriculate. Further, the new interest rate would only be affected for XXXX. In general, I lost access to my online portal, which allowed me to monitor account, access my documents, pay {$1200.00} in interest monthly from my home on the due dates and protect my private information. Additionally, I TitleMax has repeatedly may it difficult to pay off my loan. In fact, they have forced me in a 5 month installment plan that pays {$1200.00} interest, and a payoff with the principal.
Consumer complaint received 2024-09-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (GA)

I wanted to transfer XXXX from my savings at Marcus by Goldman Sacks to my daughter. I linked her account to mine successfully by supplying account and routing #, login credentials, and answers to three security questions. I executed the transfer and the funds left my account, Marcus said completion would be 1-2 days. 

The next day, XX/XX/24, I received an email from Marcus asking me to call them. At XXXX I called. I was " verified '' ( last XXXX of social, XXXX, secret word ), transferred, re-verified, over and over, verified on a land line with a code, and no one knew why they had asked me to call in. After XXXX minutes I was finally told the transfer would not proceed because, although their online interface had allowed me to link her account, I was only allowed to transfer to accounts in my own name. I complained that their interface should not have allowed the link and ended the call.

I then tried, online, to make the transfer to my local bank, to an account in my name, already linked to my Marcus account. At the final step I was told to call their main number to complete the transfer. At XXXX I called and after XXXX minutes of total frustration it was clear that the transfer wasn't going to happen. The agent couldn't or wouldn't do it. Before ending the call I asked her to note that " XXXX XXXX ( me ) would like to transfer XXXX from his Marcus account to his local ( XXXX, a linked account ) bank. '' The next morning. XX/XX/24, the transfer had not been made and still could not be made online. I got the same " call this number to make the transfer '' message. I gave up on accessing my Marcus funds and made other arrangements. 

Still, my account needed to be cleared, I needed access to my funds. So, at XXXX today, still unable to make the transfer online, I called Marcus and suffered XXXX minutes of total frustration. I was told there was a hold on my account, they could not tell me why, and that they could put a hold on my account at any time for any reason or no reason. Although I was verified every which way, they claimed they could not verify me, had no other way to do it, and would just keep my money. They were going to look into it somehow, but they were maintaining that they had no further way to " verify '' me, so either they do, but refused to do it for me then, or they don't, and no amount of review could change that. 

Simply put, MARCUS IS DENYING ME ACCESS TO MY FUNDS AND WILL NOT SAY WHY.
Consumer complaint received 2024-09-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

My name is XXXX XXXX XXXX living in the XXXX XXXX. 

I am new student starting at the XXXX XXXXXXXX XXXX  XXXX XXXX XXXX and the XXXX on XXXX XX/XX/year>. I was advised by the XXXX XXXX XXXX XXXXXXXX XXXX XXXX Bank of America Account : Account Holder XXXX XXXX XXXX XXXXXXXX. For USD {$5700.00}. 
I made this transaction yesterday XXXX XX/XX/year> through the XXXX XXXX XXXX to the Bank of America Account, XXXX XXXX, New York ( see attached Receipt of transaction ). 

Surprisingly, the University emailed me today XXXX XX/XX/year> to say that I should cancel the payment. Unfortunately, as the money has been lodged into the Bank of America Account, only the recipient could cancel or return the money. 
Also, I was taken aback that the University says that it can not access the money in the account as it has an issue with bank ( see attached chain of email correspondence ). 

I would appreciate it if you could help me in any way for the Bank of America to stop the payment and return the money to my XXXX  Account ( details in the attached receipt of transaction ). 

Also, I find it frustrating that the Bank of America has no contact details such as email address or a telephone or web chat facility that one can use to contact the Bank of America when in distress without first having to provide an Customer Account number or American Identity. I appreciate these are necessary but for a victim who is based in another country, it is near impossible to contact the bank. 

I look forward to hearing from you soon. 

Many thanks. 

Kind regards, XXXX XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (OR)

I received an email XX/XX/XXXX stating that all of my account contact information had been changed, including my email address to login. This account contains my checking, savings, brokerage account and home loan. I immediately began trying to recover my account and was able to do so using my SSN and the 2 factor authentication I had set up. I changed all of my information back and verified I had XXXX enabled. 

I went to a local Wells Fargo branch to find out how and why my account was being accessed and my information being changed. I was informed that someone had been given Power of Attorney over my account. This person did not have to provide any proof or identification. The Wells Fargo employee told me they couldn't give me any information because it happened at another branch and all I could do was sit there for an hour and fill out forms to rectify the situation. Someone was able to walk into Wells Fargo with a form and walk out with control of my accounts totalling almost {$200000.00}.
Consumer complaint received 2024-09-26
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. (PR)

This account was charged off on the following date XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Since then, the account has repeatedly been updated as charge-off every month. This is and update on the payment history. A charge off account should NOT include and active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate the account properly and you neglect has violated my rights. I am demanding a deletion of the following account : XXXX
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have identified inaccurate information on my credit report that remains uncorrected by XXXX, Experian, and XXXX, despite my prior disputes. The credit bureaus have verified this information as accurate without properly investigating the matter. I have provided supporting documentation that proves the inaccuracies, and their failure to correct this information violates the Fair Credit Reporting Act ( FCRA ), specifically section 611 ( a ), which mandates a thorough investigation and timely correction of disputed items. 

This ongoing reporting of false information is not only misleading but also a violation of my consumer rights. I request that this erroneous data be immediately removed from my credit report to prevent further damage to my credit profile. Please take corrective action as required by law.
Consumer complaint received 2024-09-26
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. (WA)

I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER late and send me a copy of my updated credit report.
Consumer complaint received 2024-08-19
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. (FL)

I am filing this complaint against the credit bureaus due to their ongoing failure to address my dispute letters concerning incorrect information on my credit report. Despite multiple attempts to resolve this matter through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after numerous submissions, the credit bureaus have failed to provide any response, confirmation of an investigation, or correction of the disputed information. This lack of action is a clear violation of the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Consumer complaint received 2024-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

My sensitive information has been compromised by these so called institutions of higher authority in the XXXX XXXX! Every financial institution has lost my information has had fraudulent accounts opened in my name by their employees, committed bank fraud, identity theft, misappropriation of funds, I have been stolen from in the neighborhood of XXXX in both liquid assets and debt accumulation.
Consumer complaint received 2024-09-26
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. (NM)

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 2024-09-26
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. (AZ)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (ME)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (NC)

I filed an insurance claim ( # XXXX ) with XXXX  XXXX XXXX through XXXX. XXXX operates as the processes for the credit card benefits provided by my BILT card from Wells Fargo. Ultimately, XXXX  XXXX XXXX denied my claim despite it meeting all of the requirements under the " XXXX XXXX XXXX '' product. The date of loss was XX/XX/2024. The quote I received from XXXX for repairing the device is {$490.00}. The reason provided for denying the claim was " The monthly wireless bill for the month immediately preceding your date of loss was not paid using your covered card. '' However, this is false. Reviewing the XXXX Bill from XXXX, it clearly indicates the monthly charge for this device 's mobile line was {$85.00}. There is a corresponding payment to XXXX in that amount for XXXX and XXXX. I also received confirmation that the amount was paid for those months which included the last 4 digits of the payment method. I've attached all of these items to this complaint.