davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

Re : Dispute of Fraudulent Activity and Demand for Correction on XX/XX/XXXX XXXX XXXX credit card I am writing to formally dispute the fraudulent activity on my credit report from XXXX stemming from the unauthorized use of my stolen debit card. Despite my prompt reporting of the theft to the issuing bank and local authorities ( Police Report Number : [ XXXX ], Date : [ XX/XX/year> ] XXXX XXXX police department chexsytem has failed to correct the erroneous information. Fraudulent Transactions : I Demand for Correction : 1. Immediately remove the fraudulent transactions from my credit report. 2. Correct my credit score to reflect the removal of these transactions. 3. Provide a corrected credit report to all entities that have accessed my report in the past 12 months. Failure to Comply : If chexsystem fails to comply with my demands within 14 days, I will : Report to the Federal Trade Commission ( FTC ). Pursue civil litigation under 15 U.S.C. 1681 ( Fair Credit Reporting Act ). Seek damages for negligence, defamation, and emotional distress. You are hereby notified that I will seek relief under : 15 U.S.C. 1681 ( Fair Credit Reporting Act ) - 18 U.S.C. 1343 ( Fraud by Wire, Radio, or Television ) - State-specific consumer protection statutes Failure to comply will result in : - Actual damages - Punitive damages - Attorney 's fees and costs - Injunctive relief XXXX XXXX
Consumer complaint received 2024-09-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NY)

I have a saving account with Marcus by Goldman Sachs with XXXX $ on XX/XX/year> I tried to do a transaction to a bank account already linked to my Marcus account the representative said they have to ask some questions which I answered by my best recall, but she said she cant verify mu identity and I have wait for some one to call me back which may take a week!!! on XX/XX/XXXX I called again a question was asked about my phone number and again the same answer that identity cant be verified and despite my request for answer that how process will work and how are they trying to solve the issue was only told that I have to wait another 5 day if some one call me with another way to identify me!!! and now the money is blocked in the hand of them with their quarry kind of business i feel violated and abused by this bank
Consumer complaint received 2023-02-02
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: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (FL)

On XX/XX/year>, my mortgage was transferred from SLS Mortgage Servicing to NewRez Shellpoint Mortgage Servicing. On XX/XX/year>, Shellpoint conducted a new escrow analysis and incorrectly included a charge of {$6700.00} for flood insurance. This error inflated my projected escrow balance, which in turn significantly increased my monthly escrow payment from {$680.00} to {$1000.00}. As a result, my total mortgage payment rose from {$1300.00} to {$1600.00}, effective XX/XX/year>. 

This inclusion of flood insurance is a mistake, as flood insurance is already paid for through my XXXX XXXX XXXX ( XXXX ). Documentation confirming this coverage was provided well in advance of the escrow analysis. The XXXX manages and pays for the flood insurance on the property, and we have records substantiating this. 

Timeline of Communication and Attempts to Resolve the Issue : XX/XX/year> : My daughter, who is authorized to act on my behalf, contacted Shellpoint and was transferred to the insurance department. The agent confirmed that the inclusion of flood insurance in the escrow analysis was an error. She was then transferred to the escrow department, where she was advised to call back in XXXX hours to request a new escrow analysis. 

XX/XX/year> : Another call was made, and Shellpoint confirmed that a request for a corrected escrow analysis had been submitted. 

XX/XX/year> : A follow-up call was made to check the status of the request. Shellpoint informed us that the request had not gone through because the insurance department had failed to add notes regarding the flood insurance. During this call, the necessary notes were added, and we were transferred back to the escrow department to submit another request for the analysis. We were also told that the matter was escalated, and we were advised to call back in three days for an update. 

XX/XX/year> : We called again and were informed that the escrow analysis was still in progress, with a completion date of XX/XX/year>. 

XX/XX/year> : Due to the unresolved error, I was forced to pay the incorrect mortgage amount of {$1600.00}. 

XX/XX/year> : A follow-up call revealed that the escrow analysis was still not completed, as Shellpoint was running behind schedule. 

As of XX/XX/year>, the issue remains unresolved, and Shellpoint has not provided the corrected escrow analysis, despite multiple follow-ups.
Consumer complaint received 2024-09-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: DOLLAR MUTUAL BANCORP (PA)

This situation was addressed in a previous complaint that was not resolved I was denied a home equity mortgage. The bank refused to furnish me a copy of the actual XXXX XXXX report that was used to determine my eligibility. I requested a copy of the actual report because XXXX XXXX and the annual credit report website did not give me a full report with my score. 


original complaint number XXXX
Consumer complaint received 2019-10-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (MD)

Company : PNC Bank. 

Please see the attached letter sent to PNC bank on XX/XX/XXXX detailing the event in question. Since that time, I have been in contact with XXXX XXXX XXXX, Executive Client Relations Representative at PNC Bank. Her contact information is as follows : ( p ) XXXX ; ( f ) XXXX ; XXXX. Unfortunately, PNC has declined to reinstate the funds to my account, or even inspect, reprimand, or manage the PNC account holder that scammed me. 

On Thursday, XX/XX/2019, as instructed, I deposited {$1400.00} into a PNC account holders account by the name of XXXX XXXX ( Account # XXXX ). Subsequently, correspondence between the landlady and I became less frequent. She stopped responding to my emails and texts altogether, and never fulfilled her part of the agreement in sending me the keys and particulars to the unit. It is now evident that I have fallen victim to a scam. I was left devastated and, quite honestly, humiliated with no place to live only a few days before starting a new career. I have had to freeze my credit, open new banking accounts, credit/debit cards etc. The process has been exhausting, frustrating, and costly. 

PNC Bank has declined to look into the account that scammed me and further, declined my request to reinstate my funds after what they called a " thorough investigation. '' PNC indicated that my request was declined because of the policy that is signed by the account holder indicates that PNC is not at fault for these types of incidents, citing that the policy states that I " particpated '' in the nefarious transaction, even if unaware, as I deposited the funds willingly into the account. A significant point to consider - I was not a PNC account holder at the time I deposited these funds, nor was I ever previous to the transaction. I did not open an account with PNC until XX/XX/2019, so why is it that PNC is applying such terms to its rationale as to not return my funds? 

PNC has a responsibility as a financial institution to monitor and prevent fraud and the institute is outwardly denying adamantly to even investigate or contact the account holder. I am perplexed at how, me, as an outsider who was not an account holder at the time ; hence not signing or agreeing to any terms, is now being held to an agreement. Even more so, I am disappointed in PNC 's negligence and insouciant stance towards blatant fraudulent behavior. 

I can provide any and all documents upon request, including all email/text correspondence between the scammer and myself. 

Please feel free to reach me via phone at ( XXXX ) XXXX or email : XXXX. 

Thank you,
Consumer complaint received 2024-09-18
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

I was required to call Citizens Access to close my CD. It could not be closed online. I called yesterday and requested that the balance be transferred to my linked account at XXXX Bank. This morning, when I logged into the Citizens Access website, the XXXX transaction history and all the statements were gone, and I received error messages on every screen. I have no written confirmation of the amount of the transfer or where it went. There is no record of a pending transaction at XXXX XXXX, either.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX this account was PAID IN FULL with NO LATE PAYMENTS. On XX/XX/XXXX, I applied for a car loan and was denied due to this account. I also applied for housing and was denied due to the missed payments reported by creditor in XXXX of XXXX for this account.
Consumer complaint received 2024-07-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC (OH)

NCA Has been fraudulently, trying to collect a debt that I do not own, and that they do not own!! Nor will they remove the debt from my account nor are they the original creditors of the debt yet they have changed their selves to the original creditors on my credit report!! There has been several other disputes, even showing that they are not the original credit and they still remove Refuse to remove themselves off of my XXXX account!! Also, the debt that they are trying to collect is from first financial, who have already posted a debt on my Consumer report. NCA is also trying to collect the same debt as first financial the orginal creditor. and pass it off as a debt from bank of pasco.. Upon speaking to bank of pasco they have no reccolect of the debt.. They are posting double creditors for the same debt. 
Upon speaking the first financial, they said they sold the accountant that they did not post on my credit!! NCA HAS FRAUDENTLY TAKEN OVER MY CREDIT!! they have also already removed themselves from my XXXX in my experience, but refusing to remove themselves off of my XXXX account, causing me great problems posting accuracies derogatory remarks and FCRA on my consumer report!! I am asking that they will be removed off of my account at once!!
Consumer complaint received 2024-09-24
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc. (OK)

On XX/XX/year> I sent GM Financial via email my assertion that they knew of a lifter issue and that I joined two class action lawsuits vs. GM. They refused to respond or acknowledge the letter. 
On XX/XX/year> I sent via email and snail mail my strong concerns about the false amounts GM says I owe, the lack of any paperwork, my two lawsuits vs. GM, the XXXX system issues, the fact they, GM, just demands money with zero proof, zero bills, sales, receipts, nothing. 
On XX/XX/year> I am again sending via snail mail, to GM at XXXX XXXX in XXXX XXXX, the headquarters, demands for any paperwork on supposed sales, tow receipts, anything. 
They have made an obscene profit of XXXX, XXXX already on a defective truck. I spent over XXXX fixing a known issue by GM. 
I owe nothing, in fact they owe me XXXX
Consumer complaint received 2024-09-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: GOLDMAN SACHS BANK USA (NY)

Marcus by Goldman Sachs saving holding my money its going on a month now cant login they keep telling me 7-10 business days Ill be receiving my affidavit XX/XX/XXXX it was sent out still dont have nothing
Consumer complaint received 2019-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Financial Recovery Services, Inc. (IL)

I contacted XXXX XXXX and XXXX at XXXX, Financial Recovery Service ; regarding the status of my account being  reported incorrectly. This company represents XXXX XXXX. This debt has been under debt consolidation with XXXX since 2016. The original debt was {$5500.00} and now Its under {$2300.00}. I asked Mr. XXXX to correct my status on my credit report. They're company did not. In fact, they updated the account worse. They removed the beginning balance. So, I asked XXXX to send all my deposit to another company. XXXX XXXX XXXX XXXX and XXXX XXXX has done for the last 3 years is against the Fair Reporting act. They must report fairly and accurately to my credit report. What they have stated on my XXXX  Account is a lie! Why would I make payments or pay down an account ; if they are just going to show an incorrect status on my account. Both these companies have just ignored the Fair Credit Reporting Act and decided that I do not matter! Can your company please help me with this?
Consumer complaint received 2023-11-21
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (PA)

Hello I have received a document yesterday stating that my mortgage was transferred to XXXX XXXX XXXX mortgage do you know anything about this? They it was transferred on XX/XX/2023. 
This company has not answered their phones and their phone numbers are scam numbers and they do even respond to emails. I ask Mr. Cooper about this and their only answer is that someone opened a mortgage with that company in my name and how it possible that someone was able to a mortgage in my name without my permission? Also I have been sending in complaints about Mr. Cooper for the past 6 months and now this has happened and I want both of these companies throughly investigates because something is going on and I want to know what it is.
Consumer complaint received 2024-09-20
Product: Checking or savings account — Other banking product or service
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Synovus Bank (VA)

This is not a complaint. Communication. Subject : Request to Maintain Account Status Dear, First Progress Card Corresponding Team I hope this message finds you well. This is XXXXXXXX XXXX and I am following up on my previous communication regarding my account. 

I called yesterday to confirm the receipt of my faxed documents, and a member of your customer service team indicated that the only valid document received was my driver 's license. I also received your letter this past Monday concerning the necessary documentation, and I promptly mailed my Social Security card on Tuesday. 

I am respectfully requesting that you do not close my account, as it has been in good standing for over a year. Closing this account would significantly impact my chances of securing a mortgage, which is a crucial goal for me. 

I want to clarify that this is not a complaint, but rather a sincere request for assistance, as I have been unable to find a contact number for your department. 

Thank you for your attention to this matter. I appreciate your understanding and support. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

PLEASE BLOCKED AND REMOVED I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.
Consumer complaint received 2024-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc. (VA)

On XX/XX/year>, a letter was sent to Mr. Cooper to request PMI cancellation. The letter was ignored and never responded to. 

on XX/XX/XXXX, via chat with two agents named XXXX and XXXX, Mr. Cooper tried to say they never received the letter even though there was a USPS confirmation of receipt. 

The agents went on to try and blame me in any number of ways for why it hasn't happened and question everything I did to see if I made a mistake they could blame. 

By law the servicer is required to respond in 20 days and provide resolution in 60. Mr. cooper has done neither and is making excuses for why not and it is costing me money each month in XXXX 

I suspect this is standard practice for Mr. Cooper as the agents seemed to know the script all to well to try and blame the customer and pretend the letter that was sent was never received.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (OH)

Attempted to get free credit report through EquiFax, initially using annualcreditreport.com then tried directly creating an account at equifax.com. Even after sucessfully creating an account on equifax.com, both methods give me an error of " We are temporarily unable to complete this request ''. The other XXXX credit reporting agencies do not give me any issues. XXXX
Consumer complaint received 2024-08-23
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: U.S. BANCORP (NC)

I have been disputing this particular card because it was fraudulently opened using my information. I was XXXX XXXX XXXX XXXX in a XXXX XXXX XXXXXXXX XXXX, during my time there this account was opened using my information. I did not authorized my information to be used, nor did i used this card for any purchases. They have not provided me with any of the information i have requested on multiple occasions. I have filed a police report and and FTC Report in regards to this identity theft matter, and sent copies of my documents to them on multiple ocassions
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

This is my second time having this problem with Equifax. On XX/XX/year>, Complaint ID XXXX, I requested that equifax update accounts that were reporting incorrectly. I uploaded my discharge letter from the United States District Court of Georgia that proved I was indeed discarged from XXXX  XXXX Bankruptcy. Equifax did correct the information that was reporting incorrectly. Today, XX/XX/year>, I realized that they are now incorrectly reporting yet another account on my credit report. The XXXX is money lion, and they are reporting this account as charged off when it should be reporting as discharged in Bankruptcy. I went back to the credit report I pulled back in XXXX to make sure I didnt mistakely forget to add this account in the previous CFPB report against equifax and saw that it was actually reporting correctly back in XXXX. In XXXX of 2024, the XXXX account on my credit report was reporting as " Bankruptcy XXXX XXXXBankruptcy Discharged ''. This is the correct reporting. Now here we are in XXXX of 2024 and they are incorrectly reporting it as " Charged off ''. I spent over an hour on the phone with equifax trying to get this resolved to no avail. It was even escalated to whom I believe was an account manager who gave me the hardest time with disputing this information although I let him know that I had already filed a complaint against equifax through CFPB 2 months ago for this same reason and got everything resolved. Still no help! I have attached a photo of the XXXX XXXX  account reporting back in XX/XX/year> and the way its reporting today, XX/XX/year>. I have also attached a copy of my bankruptcy discharge letter.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Eastern Account Systems of Connecticut, Inc. (NY)

Eastern Account debt collectors sent notification in XX/XX/year> that I had a balance owing XXXX XXXX ( That balance was in dispute because I was charged for internet service that they didn't consistently provide. ) In early XXXX, XXXX  I made a payment agreement with Eastern Account which they advised would avoid any credit bureau reporting. The plan was for 4 monthly payments of {$52.00} for a total of {$210.00}. 
XXXX. I was current with the plan as agreed, but they still made a credit bureau filing.