davidheineman/consumer-finance-complaints-large huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX XXXX XXXX  AND DEPT OF ED/XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. 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 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. XXXX XXXX XXXX AND DEPT OF ED/XXXX  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 2024-10-11
Product: Mortgage — FHA 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: Onity Group Inc. (FL)

On XX/XX/XXXX, I received a reinstatement quote from XXXX that the total due to reinstate must be remitted no later than XX/XX/2024. The reinstatement amount was {$9900.00}. On XX/XX/XXXX, PHH Mortgage received {$3500.00} from the Mortgage Relief Program of XXXX XXXX XXXX. 
On XX/XX/XXXX, I wired {$6400.00} to XXXX XXXX XXXX XXXX. Attached is a copy of the bank wire with the date and time. Also attached is a screenshot of the date and time XXXX XXXX XXXX XXXX XXXX sent the bank wire. The date was XX/XX/XXXX, at XXXXXXXX XXXX  I complied with the reinstatement letter which did not specify what time the funds must be on XX/XX/XXXX. 
On Friday XX/XX/XXXX, I received an email from XXXX that the payments were not posted to the account until XX/XX/XXXX and I had to pay the XX/XX/XXXX, payment in the amount of {$1400.00} and was threatened that if I didnt comply all payments would be returned. In an effort to get this resolved as soon as possible I complied and wired via XXXX XXXX {$1400.00} on Saturday XX/XX/XXXX. 

On XX/XX/XXXX XXXX sent a second email stating that since the {$9900.00} were not received on XXXX XXXX a NEW Reinstatement quote was processed on XXXX XXXX and the email stated : Also, the amount we received for {$1400.00}, on XX/XX/2024, is short by {$2800.00} to reinstate the account. Kindly send the remaining balance of {$2800.00} on or before XX/XX/2024, to avoid getting a refund for the initial amount we received. 
I received the email on XXXX XXXX  And was told to pay {$2800.00} in one day. The email also stated that their representative made numerous attempts to call me. 
However, I have kept a log of my most recent calls and PHH Mortgage phone number is not listed. 
It is apparent by their refusal to accept my payments, sending two emails threatening to return all the current payments sent and by adding additional costs not listed in the original Reinstatement that the actions are punitive and unlawful.
Consumer complaint received 2024-10-11
Product: Mortgage — Manufactured home loan
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: TRIAD FINANCIAL SERVICES, INC. (TX)

Dear Sir/Madam, Iam writing to file a formal complaint against Triad Financial and their Attorney regarding their deceptive and unfair practices related to the sale of my home. I have a mortgage account with Triad Financial under account number XXXX, Iwas informed by the Consumer Financial Protection Bureau that Iwould be allowed to sell my home before it goes into foreclosure. Iwas told Iwould need to work with their attorney the XXXX XXXX XXXX to do so. In the letter Ireceived from the Consumer Financial Protection Bureau it provided the response from Triad Financial stating they contacted their foreclosure attorney and asked that my file be set aside to allow me time to sell my home and Iwas to refer to correspondence from the attorney for the official timeline of the 90 days. To date XX/XX/year>, I have yet to receive a letter, telephone call, email or anything else from their attorney advising me and my Real Estate Agent of a timeline or anything else. My Real Estate Agent and Iplaced a call to the XXXX XXXXXXXX XXXX to get particulars on how to handle the sale as we had a buyer ready to purchase. We were told by XXXX that they just received the paperwork and were processing it and would be ni touch with us. We never heard from them. 
Following this, Ilisted my home again and received acouple offers, which Isubmitted to the law firm for approval. Despite the offers being reasonable and in line with market conditions, the constant delay in response to the offers caused the buyers to withdraw their offers and walk away from the deal. 
Ibelieve that Triad Financial and their attorney is engaging in deceptive practices, possibly with the intention of forcing the foreclosure rather than allowing a fair sale of the property. Their actions are causing unnecessary stress, financial harm, and causing me distress and Ifeel misled by their initial promise to allow the sale of the home. When Itried to contact Triad Financial Services directly to advises of their lawyer 's practices Iwas referred to their attorney and advised Ihad to deal directly with their attorney only and they could not speak to me concerning this matter. 
Ikindly request that the Consumer Financial Protection Bureau investigate Triad Financial Services for their failure to act ni good faith, their delay ni response to respond to reasonable offers, and their potential violation of consumer protection laws. Iam seeking assistance to ensure that Iam able to sell my home without further obstruction and avoid foreclosure. 
Enclosed are copies of the offers Isubmitted for their review and emails from my Real Estate Agent trying to get an answer fi we had a deal for the buyers. Iwould appreciate your prompt attention to this matter.
Consumer complaint received 2024-09-26
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (CA)

Credit Karma " Save '' does not allow you to withdraw more than {$50000.00} monthly from the account. At one point due to high savings interest rates, I deposited the majority of my funds, to the sum of almost {$200000.00} into the account... I have since been trying to remove the funds as I am trying to potentially purchase a property. They are restricting the access to said funds and only allow access to {$50000.00} per calendar month. Furthermore they have since massively reduced the interest rates on said funds.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

It shows a hard inquiry on my Equifax credit report with XXXX XXXX XXXX XXXX since XX/XX/2022 and I have never owed an account with them.
Consumer complaint received 2024-10-11
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (LA)

On several occasions I sent to contact them via phone to resolve issue only to be transferred around a bunch of times and went to the branch a few times only to be treated the same way and basically it felt as if you know I was being railroaded. And continue treat me like an XXXX even though I know for a fact that that I'm on the account therefore they can they have you know an obligation discuss what's going on me that would make it easier that's how democracy works we talk to one another you know you don't keep secrets and run over here and whisper I don't give a XXXX if the freaking who's involved the cops didn't bothering to come talk to me I'd be the one straighten it out you know I just felt as if you know I was just in the way like you know even though it's my money you know they got something more important than they need to do to figure out why my money 's in the way it is I don't understand this the whole thing is makes no sense
Consumer complaint received 2024-09-20
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. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-01-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

TO WHOM IT MAY CONCERN I have below the documents ( Note, Disclosure, and Security Agreement NONNEGOTIABLE PROMISSORY NOTE and FINAL ADDENDUM TO NOTE, DISCLOSURE, AND SECURITY AGREEMENT ) I received it at the beginning of my consumer credit transaction made with USAA. pursuant to 15 USC 1635 ( a ) I was supposed to be informed of my right to recession and I had until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter. as seen below I have never received said documents which would mean my right to rescind is still in effect. I hereby rescind the transaction made between me and USAA and I demand that you CEASE AND DESIST FURNISHING ON MY CONSUMER REPORT, ALL COMMUNICATION WITH MYSELF IN ATTEMPTS TO COLLECT A DEBT, AND FURNISHING MY PRIVATE INFORMATION TO THIRD PARTY DEBT COLLECTORS.
Consumer complaint received 2024-09-26
Product: Credit reporting 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. (FL)

This is beyond frustratingI found unauthorized inquiries on my credit report this morning, and Im not sure why theyre there. I regularly check my credit report, and these errors appeared out of nowhere today. I refreshed my browser thinking it was a glitch, but they didnt go away. I need you to thoroughly check the documents Ive sent and resolve this issue immediately so I can stop stressing about it.
Consumer complaint received 2024-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (FL)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT To whom this may concern your company XXXX/COMENITY/VICTORIA is violating my consumer rights, breaking the FDCPA and the FDCRA. Your company also is furnishing inaccurate and incorrect information to the consumer reporting agencies. The report of such inaccurate information has caused severe damages to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. 

15 usc 1681 congressional finding and statement of purpose Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15 usc 1681a ( 2 ) definition rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The above law states that my consumer report does not consist of TRANSACTION OR EXPERIENCES between me the consumer and you the person making the report.
Consumer complaint received 2024-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: EVERBANK, NATIONAL ASSOCIATION (AR)

Account number XXXX is a checking account for XXXX XXXX XXXX. 

The bank refuses to release my money and/or give me a reason as to why there is a " fraud '' investigation ongoing. In fact, they will not let me communicate with their fraud department, only stating the fraud department will call me back, which they never do.

All I did was open a new account a few weeks ago. Due to the fact I did not know there would be a hold, a check bounced. I got information today my account was now available but when I tried to make a XXXX food purchase it was declined. 

Everbank refuses to let me speak with anybody other than a customer service representative that will only tell me they are sorry and somebody will call me back. The funds have long cleared and I was not even trying to make anything other than a {$10.00} purchase.

When I called the customer service number, which I recorded, it states I have " AN AVAILABLE BALANCE '' in excess of {$3400.00} This bank is not only refusing to provide me with my lawful funds, they refuse to even communicate with me about the matter, other than through a customer service representative that can't even give me a contact name.

NO funds have been made available to me.
Consumer complaint received 2024-10-13
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (LA)

Citibank is the issuer for the Home Depot card. While I have been making monthly payments regularly, they were below the full amount. But upon calling Home Depot customer service on XX/XX/year> to arrange a payment plan and schedule reduced payments for a short-term period, the Home Depot customer service had to transfer me to Citibank. Citibank then advised that my account had already been closed for months. I never received a communication by mail, email or online portal, regarding account closure nor freeze of credit line. I advised Citibank of the Fair Credit Reporting violation ( s ) and that I would be filing complaint. I requested proof of communication. Citibank mailed a letter dated XX/XX/year> advising that they did nothing wrong and provided no proof of when they closed the account or when they provided notification in writing. violation of 1002.9 ( a ) ( 1 ). The 1099-B and OID have been reported on this account to properly report the taxes to the Internal Revenue Service . I have consistently shown willingness and ability to pay ; this termination is a violation of 1002.7 ( c ) ( 1 ). 15 U.S.C. 1691 adverse action. I am the original creditor pursuant to 15 U.S.C. 1602 and the OID.
Consumer complaint received 2024-10-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

I reached out to Wellsfargo XXXX to on May refund my money from an unauthorized transactions from XXXX. The transaction occurred over six months for a total of {$3000.00}. Which were XXXX each. The bank is backed by FDIC. The representative didn't provide accurate information on my claim. I haven't received a call or email from the company about this compliant. Please reverse my funds back to my account and have an representative to reach out. Thanks!
Consumer complaint received 2024-10-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

As stated, I had a pending overdraft amount of approximately {$480.00}. I made a cash deposit of {$500.00} to the ATM at approximately XXXX p.m. to cover the charges, under the premise if the deposit was made prior to the " next business day processing '', which begins at midnight, I would not be charged overdraft fees on the transactions. 

The next day when I looked at my account, I saw XXXX overdraft fees for {$35.00} each. This made my account overdrawn again. When I contacted the bank and asked for an explanation regarding why I was charged overdraft fees when I made the deposit at approximately XXXX p.m., which is prior to the processing deadline of midnight, I was told the " ... The time for making deposits is based on EST, not XXXX. '' This blew me away because any other banking transactions are processed based on midnight, XXXX, not XXXX. They granted me reversal of XXXX of the overdraft fees, but refused to credit back the other XXXX, which meant my account was still overdrawn again, no fault of my own. Had they not charged the overdraft fees, my account would not have been overdrawn after making the ATM cash deposit. 

This is them piling fees on top of fees to rip off its customers making sure we can never get our heads above water. The bank is Wells Fargo and I've been banking with them since 2012.
Consumer complaint received 2024-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Northstar Location Services, LLC (CO)

This so called debt was not incurred by me. My identity was supposedly used to create some form of card/account using a banking institution with whom I have never had an account. I called the collection company to request more information but none was given. The company ended the phone call abruptly as well.
Consumer complaint received 2024-10-12
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Collection Management Holdings, LLC (FL)

Does this company NOT have jurisdiction or legal permission to collect this debt in the state of Florida? According to their NMLS # XXXX, they do not have jurisdiction or legal permission to collect this debt in Florida. I am attaching evidence directly from NMLSthis company is violating HIPAA, my personal medical information has been disclosed to third parties without my authorization which is a clear violation of my medical privacy..I dispute this debt and all the others they SAY I OWE, I dispute them all and order that it be immediately deleted from XXXX, XXXX and XXXX .
Consumer complaint received 2024-10-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (MD)

Complaint to CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/year> Subject : Complaint Against Source Receivables Management To Whom It May Concern, I am writing to formally file a complaint against Source Receivables Management, located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX, regarding an erroneous debt collection related to a T-Mobile account. I believe the debt in question is being wrongfully pursued, and I am seeking your assistance in resolving this matter. 

Background Information : I initially signed up for XXXX 's home internet service, which included a 15-day free trial period. The service never worked properly at my residence, and I attempted to cancel it within the trial period. Unfortunately, each time I contacted T-Mobile to cancel, the customer service agents would ask for a PIN that I had never created. Despite trying to use alternatives like the last four digits of my Social Security number, my ZIP code, and parts of my home address, nothing worked.

The agents repeatedly refused to proceed without this unknown PIN, preventing me from canceling the service. After dealing with this issue for over a week, I decided to return the modem and other equipment by mail, assuming that the account would be closed and that I wouldnt owe anything further. 

Problem : Despite my efforts, Source Receivables Management is now reporting a {$210.00} debt on my credit report for the XXXX account, which I believe is inaccurate. I never received services, and I canceled within the trial period. This debt is now damaging my credit, and I have already disputed the charge with the collection agency, requesting validation, but the issue has not been resolved. 

Request : I am seeking your assistance in investigating this situation and helping me resolve the erroneous debt on my credit report. I request that Source Receivables Management cease all collection activity related to this account and remove the negative mark from my credit report. 

I appreciate your time and attention to this matter, and I look forward to a prompt resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX : XXXX | P : ( XXXX ) XXXX
Consumer complaint received 2024-10-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

On XX/XX/XXXX I transferred {$1700.00} from my USAA savings account to my XXXX checking account. I mistakenly chose my XXXX account that had been closed XX/XX/XXXX. I immediately contacted both XXXX and USAA. XXXX verified that the account had been closed and the {$1700.00} would go right back to USAA. USAA assisted in a dispute for me. Unfortunately the {$1700.00} did not go back to my USAA account. After several calls to USAA and in person meetings at XXXX, it was discovered that the {$1700.00} was sent to my ex-husband 's XXXX account. I had no association to this account at all. XXXX says USAA made the mistake and USAA claims the mistake was made by XXXX. The mistake was definitely not mine. XXXX says they have proof that the {$1700.00} was returned to XXXX, and USAA sent it to my ex-husband 's account. USAA sent XXXX an XXXX stating the {$1700.00} was sent in error.