davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (CA)

I'm a transitioning union bank member, to US Bank.As union bank members, we have been all being lied to, about that refunds put on our old card get automatically transfered to new card.As most people called to ask this specific question before a activating new card, as I did and was told flawless transfer of funds from old card to new.I called on XX/XX/XXXX, before activating new card.Yesterday I talked to US bank fraud department and am told there is no automatic funds tranfer between cards, and reason my refunds, from XX/XX/XXXX, For {$26.00}, and {$7.00} on XX/XX/XXXX, that us bank has no knowledge of, from XXXX. 
I've talked to around 40 costumer service people, at us bank, all telling me the lie. 
Also person in fraud department, told me funds put on old cards, have undetermined time were funds might be available. 
As us bank costumer service tells you to call merchant, to dispute.After talking to fraud department, was transferred by fraud supervisor to regular costumer service, who I told about what I just learned. 
She was sick to her stomach knowing she had been directed by Us bank to respond to the old card question, and she admitted that many union bank transitioners keep calling wondering were funds are.I have cought this bank in over XXXX lies in my short time with them.so much more to say. So Us bank bald face lieing to costumers to entrap funds for undetermined time.All other union bank transitioners should and need know truth, so to get store credit, instead of funds going into limbo.
Consumer complaint received 2023-07-13
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. (NY)

In accordance With The Fair Credit Reporting act. The list of account below violated my federally consumer right to privacy and confidentiality under 15 USC1681. XXXX XXXX  acc # XXXX, XXXXXXXX XXXX XXXX acc # XXXX, XXXX XXXX acc # XXXX, XXXX XXXX acc # XXXX, has violated my right. 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 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Name : XXXX XXXX OF XXXX Opened : XXXX XXXX ACCT : XXXX XXXX PLEASE DELETE IMMEDIATELY Name : XXXX XXXX XXXX Opened : XXXX XXXX XXXX XXXX PLEASE DELETE IMMEDIATELY Name : XXXX XXXX XXXX Opened : XXXX XXXX XXXX XXXX PLEASE DELETE IMMEDIATELY I have tried contacting these companies and explaining that these accounts are not mine. They have not responded or given me a call back.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc. (MN)

YesBy law 15 USC 1681 and 1692 ( b ) can not published any item on key consumers credit report with my written consent and permission. Please delete. 
looking {$1000.00} per violation remedy Per law 15 USC. 1681 & 1692 clearly states XXXX, XXXX and XXXX must delete these items from Credit report immediately. 
Thanks
Consumer complaint received 2016-12-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Convergent Resources, Inc. (CA)

Majority that appears on my credit report are from hospitals, doctors, and XXXX fees. I did n't want to go but was forced by the ambulance paramedics and the police due to my illness. I know I could n't afford to go by ambulance nor can I afford to go to the hospital due to no insurance and I did not have a job as well ... ... .. 
The other XXXX collections are phone related ( XXXX & XXXX ). I kept telling the phone company that I do not owe them anything cause my wallet was stolen or miss placed. My identity was stolen as well
Consumer complaint received 2024-08-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

An entity called XXXX pulled my entire Paypal balance of {$46.00} on XX/XX/year>. I filed a dispute with Paypal and they said that the payment was pulled through XXXX XXXX and denied a refund. I have a business profile on XXXX using the email address : XXXX. I really do not use this account and I was not logged on at all on XXXX. I did not authorize this. Paypal terminated the autopay but did not refund my money. They said I needed to go to XXXX. Going to XXXX I followed the instructions to get to my Professional Dashboard, settings, XXXX XXXX and I find screens where I could file a dispute but the links take me to Paypal.com. Paypal.com did not load. It appears their site is crashing, possibly because of an overload of disputes. Paypal says that XXXX is an associated company but frankly, I was talking to a customer service rep and she was not that certain. I have copies of my Paypal Account and the dispute emails. I have a feeling this is a broadscale fraud. 

Paypal case number : XXXX XXXX XXXX : XXXX
Consumer complaint received 2015-09-02
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ENCORE CAPITAL GROUP INC. (IL)

I received a copy of XXXX credit report recently and it shows that MIDLAND CREDIT MANAGEMENT INC has pulled my report on XXXX/XXXX/2015 without my permission. I had no business relationship with them nor they are my creditor. I believe they have violated my privacy and FCRA.
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

My XXXX yr old father was hospitalized then transferred to nursing home lockdown unit. I have been estranged from my father off and on due to his abusive behaviors. When he was hospitalized I was asked by my elder uncle, Hospice and the VA to help because I am next of kin. I have done everything needed with POA paperwork we had signed back in XX/XX/2022 until I needed access to his banking accounts at BofA. I started jumping their hoops XXXX weeks ago and explained the situation I am in. After several attempts at becoming POA on his account they told me my POA was invalid because family members signed as witnesses. They said I must get new POA even though they have paperwork saying he is incompetent and unable to sign. I got to work with his team at the nursing home and the VA and Hospice. They made it happen after questioning my father for competence of signing that document. I took that POA back to the bank and they questioned the validity of that POA because they knew he had been deemed cognitively impaired because of previous statements they received. Mined you this is an account with maybe {$2400.00}. I am a Gold member at this bank for whatever that means. I need access to help my father and they keep coming up with new reasons as to why I cant be POA and deal with my fathers finances putting him at risk of being on the streets as he is dying. After getting the last POA a legal document with pages 1-11 and pages 11 being notarized on page 11 for the whole document they said I must have witness signature notarized on page 10. I made it happen with notary that signed the original documents. They then denied it because the notary they asked for made the document invalid because it wasnt back dated. I need help please.
Consumer complaint received 2023-07-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

I have recently submitted a complaint regarding We Pay merchant services through Chase bank. That issue involved holding funds for 120 days for an unknown reason and shutting down our credit card XXXX account for an unknown reason, without responsiveness. That issue was resolved. However, we did not receive our most recent credit card deposit batch. I received no notice or information as to why. I sent a support ticket in and was told by two different Chase support staff that the transactions couldn't be located, even after I sent screenshots of the transactions. After calling several times and being on hold for extended periods of time, I was told that the transactions were located but are being held for five days. No explanation was given and no offer to assist me further was provided. Funds are withheld from our small business without notice or explanation. On any given day, we do not know if we will receive funds or if they will be withheld for extended periods of time. It is nearly impossible to operate under these conditions. The inability to connect with the We Pay service by phone makes resolving issues very difficult. The general Chase customer service line is unable to address issues related to We Pay and only provides generic responses to inquiries. No actual support is provided. We Pay is not responsive to requests for support by email or through their chat feature support.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Experian XXXX and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 



As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 


By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate. 
15 USC 1681 s-2 Says Experian XXXX and XXXX is XXXX furnisher of information to a consumer reporting agency. 
Experian XXXX and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand Experian XXXX and XXXX to Cease and Desist the reporting of incorrect/ in accurate information immediately. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something XXXX XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Complaint Regarding General Motors Account and Incorrect Credit Reporting of Cancelled Debt To Whom It May Concern : I am writing to file a formal complaint regarding an erroneous credit reporting issue involving my General Motors account , which has been closed and resolved through the issuance of a Form 1099-C for the cancellation of debt. The Form 1099-C, dated XX/XX/XXXX, was accepted by the IRS, and I have attached a copy of the form for your reference. 

According to IRS regulations and the U.S. Tax Code, once a debt is canceled and reported as income under the applicable IRS guidelines, the debt is no longer collectible and can not continue to be reported as outstanding on my credit report. Specifically, per **IRS Code 26 U.S. Code 61 regarding " Gross income defined, '' the canceled debt is considered taxable income, not an active debt. Furthermore, continuing to report this as an outstanding debt on my credit report violates 15 U.S. Code 1681c ( a ) ( 4 ), which governs the accurate reporting of debt information.

The General Motors account, in particular, was related to an auto loan that has been resolved, as evidenced by the cancellation of the remaining balance of {$39000.00}. I have also enclosed a copy of the supporting documentation for the account, including the 1099-C form, which verifies that this debt has been legally discharged and should not be reflected on my credit report. 

Sincerely, XXXX XXXX Enclosures : - Form 1099-C ( General Motors Account ) - Relevant IRS and U.S. Code References
Consumer complaint received 2023-07-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (FL)

Morning, I have been in my home for XXXX XXXX now. I set up my payments to come out of my check every XXXX weeks with the first mortgage company, and BSI Financial purchased the loan. No issues for the first year, then the payment for the escrow went up, fine but my payments still came out of my check every two weeks and I would send any additional monies in a check. BSI is reporting that my mortgage is late on my credit report but is not charging me late fees, and on months that they receive an additional check from me I requested that they put it toward the escrow first and any remaining amount toward the principal and I still send a check. Every month I receive a phone from BSI saying I owe them additional money and I have to call my Credit Union and give them the transfer code. In the meantime, they are have ruin my credit which I was trying to rebuild after XXXX years of being out of work. I have served my Country and I'm trying to do the right thing. I'm doing the same thing and going above and beyond to meet my obligation to still get shafted.
Consumer complaint received 2024-10-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Onity Group Inc. (WV)

XX/XX/XXXX I received my ESCROW statement from PHH mortgage indicating my homeowner 's insurance ( XXXX ) cost with remain the same from XX/XX/XXXX through XX/XX/XXXX. 

XX/XX/XXXX I received my ESCROW statement indicating a significant increase in my homeowner 's insurance from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

After consulting with XXXX, there was no explanation for the increase ( IE : no claims, faults, etc. ). I also learned that PHH mortgage paid XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, as a result, there is a significant increase to my monthly mortgage payments. 

The dates and payments do NOT coincide with each other and I believe PHH mortgage is at fault. The timeline of the policy amounts and payments do NOT coincide with each other.
Consumer complaint received 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (GA)

Heres a more refined way to express your concern : I am writing to address an issue regarding the allocation of my credit card payments. According to the terms and conditions, any payment made in excess of the minimum due should be applied to balances with the highest XXXX first. However, I have noticed that my payments are being applied to the balances with the lowest APR instead. Despite the fact that the Chase representative acknowledged this discrepancy, I was informed that the system is responsible for the payment allocation and no manual correction could be made. This seems to contradict the terms and conditions, and I would like this issue to be resolved promptly in accordance with the agreed terms.
Consumer complaint received 2024-08-23
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: BARCLAYS BANK DELAWARE (CA)

FRONTIER/ BARCLAY Charged me for annual fees that I immediately disputed. They agreed to refund the money and not charge a new annual fee because I no longer wanted to use their card or services. They opened and closed a dispute and credit case and only refunded XXXX of XXXX charges that they said the would. They owe me {$190.00}. 

When I call they give me a huge run around. They open and close case XXXX, without any written notification or additional information. 

Here are the entire transactions for the year, all disputed and unresolved, and all with Frontier/ Barclay . 

Account Balance as of XX/XX/year> : {$0.00} Transaction Date Description Category Amount XX/XX/year> Payment Received CREDIT  XXXX XX/XX/year> ANNUAL FEE DEBIT XXXX XX/XX/year> FRONTIER CREDIT XXXX XX/XX/year> Payment Received CREDIT XXXX XXXX XX/XX/year> FRONTIER DEBIT XXXX XXXX XX/XX/year> FRONTIER DEBIT XXXX
Consumer complaint received 2023-07-13
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: Bread Financial Holdings, Inc. (FL)

In accordance with the Fair Credit Reporting Act this creditor, Express  Account XXXX has violated my rights under 15 USC 1681 section 6 0 2 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 under 15 USC 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.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 to be removed/updated.

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.

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!
Consumer complaint received 2023-07-13
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. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-07-13
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. (PA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-07-13
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. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.