davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-12
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 — Their investigation did not fix an error on your report
Company: Synovus Bank (TX)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureaus are reporting inaccurate information on FSTPROGRESS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2019-05-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SUNTRUST BANKS, INC. (GA)

On XX/XX/2019 I went into a SunTrust branch to open an Advantage Checking account. This was after I received targeted advertising on XXXX about a {$250.00} bonus for opening checking account and satisfying the requirements. I requested a code to my email and opened the checking account successfully with that code. 

I was in the process of setting up my direct deposits to this account when I receieved an email from SunTrust offers saying " Thank you for your recent enrollment into the SunTrust Advantage Checking Offer XX/XX/2019. Based on our verification process, your account is not eligible to participate in this offer based on the reason below : To be eligible to participate in this promotion, clients must be U.S. Residents with a U.S. address and a valid U.S. taxpayer ID number. '' During the entire time in branch I was never told that the promotion does not apply to me although I do reside in U.S. with a valid address and possess a valid social security number. My status is a U.S. residents for tax purposes, having met the substantial presence test. I think SunTrust is pulling a bait and switch of sorts : luring foreigners with valid work authorization to open checking accounts with deceptive advertisements then denying the incentives afterwards. Now I am stuck with an account that I can not get out of and no bonus to soften my ordeal.
Consumer complaint received 2021-11-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (DC)

To : CFPB From : XXXX XXXX Re : Shellpoint mortgage not honing pour modification on new porched loan & not allowing payments to be made having reps steer owner into short selling property at discount A. My property was under modification under the previous lender named XXXX XXXX XXXX. When Shellpoint Mortgage become the new lender, they did not honor the old agreement ( loan modification ) that was set in place by previous lender. 
B. Once Shellpoint Mortgage took over the property loan an additional letter was received with an incorrect amount owed and updated terms which stated that I had 30 days to notify them if anything was wrong with the information documented regarding my account. I responded to Shellpoint Mortgage via certified mail that the balance that was incorrect and that my loan was modified days before they obtained the loan. I also notified Shellpoint that the loan should reflect a different balance with the past due payments being placed on the end of the loan per the loan modification program.

C. I contacted Shellpoint Mortgage and they made the change on the amount of the loan but told me to wait on the paperwork regarding the loan modification program, I could not make a payment until this was updated which could take up to 60 or 90 days.

D. After I waited 90 days ; they told me my mortgage wasnt under the loan modification program and the balance needs to be paid in full of the old lender ( XXXX XXXX XXXX ) as well as additional fees. 
E. Shellpoint Mortgage refused to refinance the current loan/mortgage and shared they will send paperwork out to start a short sale of the property. 
F. What happen next ; while I was under the loan modification they took the liberty to put late payments on my credit report in a deliberate attempt to stop me from looking at other lenders to keep my property while not honoring the agreement and putting false information on my credit report. 
G. What I would like to take place is for Shellpoint Mortgage to remove all negative information from my credit reports while this matter is under investigation because this is negatively impacting my lively hood and ability to seek additional financial assistance to rectify the past due balances on my mortgage. Shellpoint Mortgage failed to follow the Fair Debt Credit Act and their reporting practices needs to be investigated further. 
H. Lastly, I would also like for them to comply with the original loan modification agreement filed with XXXX XXXX XXXX before the mortgage was sold to Shellpoint Mortgage.
Consumer complaint received 2021-11-12
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: EQUIFAX, INC. (TX)

I XXXX XXXX have contacted Equifax now for over an year to delete the following account and it has been refused to be removed. I mailed a dispute for this same account more than 6 times. I have submitted Fraud Affidavits. This information still remains on my credit report negatively affecting me from pursuing purchases or credit cards. 

Identity Theft Account XXXX XXXX XXXX ( {$15000.00} ) XXXX XXXX XXXX XXXX. XXXX XXXX, WI XXXX Date : XX/XX/2015 This is not mine. I am a victim of ID Theft and I have included a Affidavit, and police report. Please investigate and remove from my credit report.
Consumer complaint received 2019-05-03
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: EQUIFAX, INC. (FL)

There is a repossession account reporting against me that I did not open from a company named XXXX XXXX and I was a victim of fraud. I disputed the account and made the bureaus aware of this and when i disputed instead of removing it they added 6 new 30 day late payments to ruin my credit rating. Please see my before and after screen shot of disputes in attachments. XX/XX/2019 is before and XX/XX/2019 is after.
Consumer complaint received 2019-05-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

I recently had a very unfavorable and sour experience with Chase Bank 's Services. 

Here 's the story : 1. I wrote a check to a merchant from my Account # 1 2.  While the check was still in transit, I called Chase and asked to make a stop payment on XX/XX/XXXX 3. I realized the Customer Care Agent made a mistake and put a stop payment on Account # 2 because the amount got debited from the Account # 1 4. I moved to California and I reached out to the Chase Branch location in XXXX and found out that the Customer Care Agent made the stop payment on the wrong account 5. I asked the case to be escalated. After a few days, I was told the case had been sent to Branch Escalations 6. Branch Escalations called and said they're trying to find call record of my conversation with the Customer Care Agent 7. Chase wasnt able to find that information, neither can they find the Agent that placed the Stop Payment on the wrong account 8. My Wife gets a call from Branch Escalations and they tell her that unfortunately they can not credit me the amount 9. I repeatedly try to call Branch Escalations and try to get hold of our case manager XXXX, who never responded to 10 voicemails I left for him over 7 days 10. I finally called Branch Escalations and spoke to another representative. He told me the same thing XXXX told my wife I am disappointed for various reasons- : 1. Chase cant find out the call recording when everytime I call in, the machine says, the call is being recorded. 
2. Chase Customer Agent makes a mistake which cost me $ $ {$3.00}. Chase Branch Escalation says, because there is no evidence of whose mistake it is, they can not credit the amount to me. 

If Chase can not find call trace of my conversation, whats the point of having Phone Banking? 

If Chase cant find any history or employee information who made the stop payment, its Chase 's inability to run their business right. 

At this point I am ready to stop doing business with Chase Bank because I have no faith in them. I cant believe Chase can put their customer 's first and acknowledge mistakes done. I do not wish to waste anymore time in the future with Chase who does not believe in justice and runs unethical business practices. 
I do not feel my money is safe with them. 
I have been a customer for over 8 years. 

Branch Escalation Case : XXXX # XXXX PS : The merchant doesnt offer service cancellations, and once a check is processed, they have no returns.
Consumer complaint received 2019-05-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

We would like to file a complaint for Bank of America 's lack of ordinary due diligence in detecting check fraud and failing to perform its fiduciary duty. 
We are victims of identity theft and did not write 5 checks totaling {$87000.00}. We were out of the country for 6 months and returned to USA via XXXX XXXX XX/XX/XXXX. We went to the nearest branch shortly after arrival, discovered the fraudulent checks, then immediately reported it to the fraud department ( claim # : XXXX ) and local police department ( XXXX XXXX Police Report # : XXXX ) on the same day XX/XX/XXXX. 
On XX/XX/XXXX, Bank of America denied the claim solely due to 60-day reporting policy. An appeal was submitted XX/XX/XXXX to request further investigation. On XX/XX/XXXX, Bank of America denied the claim again solely due to 60-day reporting policy. 
We opened the savings account in XXXX, and have had minimal activity for the last 14 years. Bank of America did not verify signatures with our signature card before transactions because the fraudulent signature is nothing alike to the our actual signatures, even the last name was not signed on the fraud checks. We were not notified of these suspicious activities and the bank didn't suspect these large checks ( $ XXXX $ XXXX $ XXXX $ XXXX {$15000.00} ) totaling {$87000.00} in 5 weeks could be money laundering. 
Extenuating circumstances should exempt us from this 60-day fraud reporting window since we were not physically in the country from XX/XX/XXXX to XX/XX/XXXX, and we immediately reported the fraudulent activities upon discovery. 
Our check book has been in our possession wherever we travel. All but one forged check were written and deposited while we were overseas and not on US soil. Not only were the signatures not ours, but the check numbers are also from a non-existent check book. We did not request any additional check books from Bank of America or any other check-producing company. 
On XX/XX/XXXX Detective Sgt. XXXX XXXX of XXXX XXXX Police Station informed us that he spoke with the fraud department at XXXX XXXX XXXX XXXX, where the fraud checks were deposited. XXXX XXXX   already knows that this person that deposited the fraudulent checks is a fraud and reported it to the XXXX XXXX Police Department. 
This is a small amount of money for Bank of America, one of the largest banks in the nation, but {$87000.00} is a major part of our retirement money. It is disappointing that a global company like Bank of America is choosing not to investigate this type of crime, and, instead, closed the fraud claim fast, without offering support or common courtesy to a loyal customer.
Consumer complaint received 2021-11-12
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. (NV)

Pursuant 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries included as a attachment in this complaint
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX  XXXX XXXX XXXX {$140.00} XXXX  XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX Balanced {$0.00} XXXX  XXXX XXXX Balanced {$0.00} XXXX  XXXX XXXX Balanced {$2400.00} XXXX  XXXX XXXX  XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX XXXXXXXX Balanced {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-11-12
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (CA)

During the stated time the account was said to be open ( XX/XX/XXXX ) and up to now, I've been trying to get XXXX XXXX XXXX to give me more information and the validation of the debt. Moreover, they immediately sent the loan into collections without giving me time to see what the issue was. Unfortunately, I was charged an outrageous APR at the time, and there were no attempts to check in on what happened. During this time, I was going to a stage of financial hardship, and having this go through collections dampened my ability to get further aid as it lowered my credit score. I looked through my records, and it appears as though the attempt to collect debt was at XX/XX/XXXX. 

While this was only a small amount of debt ( XXXX ), but the collection hurts my overall credit score despite the fact that I have already cleared the debt.
Consumer complaint received 2021-11-12
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 — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc. (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to GMFNANCIAL, but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

This account was opened on the following date : XX/XX/XXXX There are no on time payments from XX/XX/XXXX to XX/XX/XXXX. This is inaccurate payment history reporting. I should have active payments XX/XX/XXXX to XXXX this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit. XXXX Equifax and XXXX failed to investigate this account properly after | repeatedly asked to have the account updated your neglect has once again violated my consumer rights. I am demanding a deletion of the following account : Accounts Name - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-02
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. (PR)

Once again Transunion is violating the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), BK-XXXX  BK-XXXX by not provide the name, address, and telephone number of the clerk contacted as BANKRUPTCY RULE 9037 mandates that the statement of social security be redacted and therefore both the UNITED STATES COURT and you are violation of that federal law or the third party company that reported the information that has certified to you is accurate as you affirmed in the investigation report that you sent ( 397187435-010 ) attached Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW
Consumer complaint received 2019-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

I tried to open a new cell phone account with XXXX, however, I have a security freeze on my credit report with Equifax. To prove my identity they required that I provide them with the last date that I made a change to my security freeze. I have no idea if I have ever made a change to my security freeze with Equifax. I believe that I did so once with XXXX. But even if I had done, I would never know the date. I believe that they are requiring information to identify me that I would never know in order to discourage me from having a security freeze on my account. This should be illegal. Secure identification is necessary, knowing the date of the last time that i made a change to my security freeze at Equifax is not a data that anyone would know, or even know that it was important to notate and save. In my discussions with them, they claimed that the question was random, but I tried to unlock my credit report 3x and each time I had the same three questions. Equifax is a scam.
Consumer complaint received 2019-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (MS)

Our original mortgage was with Citi Mortgage. They turned it over to a company called XXXX.They raised raised our mortgage payment from {$850.00} to {$860.00} on a so called " projection '' that our escrow would go up and it actually would go down because our insurance went down and property taxes remained the same. Citi Mortgage will not adjust because they have passed the service to XXXX. We have tried every option to contact XXXX. Email, phone etc. with no success. When a representative would answer a phone, they were quick to hang up.
Consumer complaint received 2019-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

My husband and I have had a mortgage with Nationstar since XXXX ( it now refers to itself as Mr. Cooper ). The monthly mortgage payment is {$4400.00} which we have also always timely paid. See the Exhibit hereto named Part 2 which is proof of all payments from XX/XX/XXXX thru XX/XX/XXXX. Last XXXX and XXXX, Mr. Cooper sent bills requesting a lesser monthly amount ( {$4300.00} ) but we continued paying the correct amount. See pages 2 and 3 of the Exhibit hereto named Part 5. The mortgage documents provide that we will pay our own insurance and taxes and we have always timely done so. For an unexplained reason and without prior or subsequent notice to us, Mr. Cooper paid our taxes and insurance premiums on the first day each was due. I paid those same insurance payments and tried to pay the taxes a few days later ( the taxes were marked paid online ). In a bill dated XX/XX/XXXX, Mr. Cooper requested {$26000.00} and at about the same time my payments were returned to me by the insurance carriers ( a total of {$9800.00} ). See page 4 of the Exhibit hereto named Part 5.  I wrote to Mr. Cooper on XX/XX/XXXX ; see page 1 of the Exhibit hereto named Part 5. Mr. Cooper responded on XX/XX/XXXX with a response I still find incomprehensible and an exhibit that clearly shows I made all payments and that Mr. Cooper is aware that payment by it of the taxes and insurance was without authorization or prior notice to my husband or me. See the Exhibit hereto named Part 4. I have tried to call Mr. Cooper without success. I wrote and email on XX/XX/XXXX requesting a response or call so that I could feel comfortable sending the {$9800.00} we owed but have had no reply. See the Exhibit hereto named Part 1. Although they have not replied, we did send the {$9800.00}. See the Exhibit hereto named Part 2 which shows Mr. Cooper 's receipt of that {$9800.00} and our timely payments of all mortgage premiums from XX/XX/XXXX thru XX/XX/XXXX. Now, Mr. Cooper seeks {$11000.00} from us ; see page 1 of the Exhibit hereto named Part 3. Somehow, our payment of {$9800.00} made the amount due go down {$13000.00} ( from {$23000.00} to {$11000.00} ). See the Exhibit hereto named Part 3. We are totally confused and do not know if Mr. Cooper is  engaging in incompetent or criminal behavior. What we do know is : ( 1 ) we have timely paid all amounts owed, ( 2 ) Mr. Cooper is not treating us fairly, ( 3 ) we have lost all confidence in Mr. Cooper, ( 4 )  Mr. Cooper has harmed our credit rating ; ( 5 ) we could sue and ( pursuant to the mortgage documents ) be awarded attorneys fees to be paid by Mr. Cooper. I hope that this can be resolved with your kind assistance without the need for litigation. Thank you.