davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (IL)

I fully manage my mortgage online. My online account disappeared early in XXXX. I tried to setup a new online account using my social security number, but the system could not locate me. So I chatted with an agent online, to request my loan number. They were unable to provide me with my loan number, because they also could not locate my account using my social security number. The agent told me that this was my issue because I didn't have my loan number. However, they couldn't locate my account using any of the personal information that I am provided them. I am making monthly payments ( interest/principal/taxes/insurance ), and have no way to verify where they are applying my payments. 

The company also never sent me a hard copy 1098 in the mail. 

Mr. Cooper bought my loan from Homepoint. I can get original loan number from closing docs, but Mr. Cooper still can not find loan that way either. 

Thank you XXXX
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXXXXXX XXXX  XXXX, AL XXXX ; XXXX XXXX XXXX, AL XXXX ; XXXX XX/XX/2021 ; XXXX XX/XX/2021.
Consumer complaint received 2023-04-29
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (TX)

On XXXX XXXX I filed a dispute over a {$120.00} transaction I didn't make. I was told at the time they would send me the necessary paperwork to file this dispute and if I returned it to them within 10 business days I would get a provisional credit for my use during the investigation. I also requested the statements for my account though I have their app downloaded for my use. USPS delivered them here on XX/XX/XXXX and I returned them via email on XX/XX/XXXX. On XX/XX/XXXX they attempted to deposit the money to a debit card that's not valid. My statement shows the credit and the debit they attempted. On XX/XX/XXXX they put the money back on my debit card shows as a reversal credit. On XX/XX/XXXX I think it was I attempted to pay my XXXX electric bill and my card declined as insufficient. At this time I called to check the transactions and found out that on XX/XX/XXXX they had taken the provisional credit back off m card .they called to find out what was the reason for taking the {$120.00} off the card without any warning or permission from me. Their fraud investigation person I spoke with told me they had made that deposit twice and were correcting their mistake and I had my water shut off and had borrow money to restore service at a {$50.00} reconnect fee 3 days later. On XX/XX/XXXX I received the statement I requested along with a letter from them stating the dispute was found in my favor and the provisional credit would remain as a permanent credit. To date I have still not received any portion of the {$120.00} reversal debit they did on XX/XX/XXXX. As result I am currently going hungry and so is my little dog. I'm XXXX XXXX and recently widowed. They should give me back my money it's I've robbed twice. I have pictures of all the things I've told you about. From the statements, the app I use. I sincerely thank you for any help. The SR number for my dispute with XXXX XXXX is XXXX. I don't know why my calls to XXXX XXXX say XXXX but my phone used to be locked to them. All I can figure out.
Consumer complaint received 2024-05-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

As a long standing member of USAA for over 23 years, USAA still decided to close our accounts due to an egregious fraud error on their part. After re-review of disputed credit card charge submitted by my wife they ruled in her favor and released our funds. However, they have not explained to us why they made the original decision to close our accounts without doing their due diligence, they have not apologized for their mistake nor have they provided us with compensation for all overdraft charges and late fees accrued. I have made numerous follow up calls for answers to no avail. No one will call me back.
Consumer complaint received 2023-04-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Concord Servicing Corporation (TN)

On Wednesday XX/XX/2023, I called Concord and asked for payoff information and where to wire funds. I received an email with instructions on how to wire the payoff on the same day. at XXXX. On XXXX XXXX the amount of XXXX was wired to Concord. On XX/XX/2023 XXXX was wired to Concord to complete the payoff of my loan. The wired funds have been confirmed that Concord has received these funds. I called every day thereafter the see if they have received funds. They kept telling me they have not received funds. I called one time and ask could i talk to someone about wire transfer. I was told that department does not have a phone and the only way i could communicate was with an email. I sent an email on XX/XX/XXXX with the information of wire tranfer. They responded they need more information. I sent the copy with all routing and account numbers of where it came from and where it went to. XX/XX/2023 I received an email from concord ee resolutions Team stating they have not found two payments. they are still working to locate the wires and as soon as they know more they will let me know. I am very frustrated. It does not take almost 3 weeks to confirm a payment. That is a large amount of money that has been missing for 3 weeks. I just want my loan paid off and do not have anymore daily interest. It should be paid off the date it was sent. I do not want to continue paying monthly payments so my credit will not be affected. Please help me. All numbers matched from the email that was sent to me. I can not figure out to send you the email sent to me but if necessary i can send to you with direct wire instructions from them
Consumer complaint received 2023-05-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXXXXXX XXXX XXXX I sent out communication through the CFPB to dispute the inaccuracies on my credit report, The credit agencies claimed that the item was validated by the debt furnisher as accurate. I have found multiple inaccuracies. I have reached out on multiple occasions about the issues reporting inaccurate. Not only are violating my right to privacy by reporting these inaccuracies and didn't get written permission to provide. According to FRCA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. This never occurred during or after 30 plus day investigation by debt furnisher. Now because of violations either provide {$1000.00} for every violation or deletion from credit report immediately.
Consumer complaint received 2024-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, I deposit an {$18000.00} check at Chase Bank that was a draw on a line of credit from another lender. I was told a hold would be put on the check until XX/XX/XXXX, which I questioned but was not given a satisfactory answer as to why the hold would be so long. On XX/XX/XXXX, the lender posted the advance to my account, signifying that the money had been transferred to Chase. I provided that record to the banker, but they still insisted that the hold could not be lifted. 

Not only am I being charged daily interest for each day that Chase is holding my money, I know they are earning interest on those funds. This is unacceptable.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (NJ)

We both know that Charge Offs/ Write Offs should not be reported on a credit report this is considered ordinary income and the companies filed these with the IRS and the companies fair to take the proper steps by sending me a 1099c and they should be removed from my report permanently as it is a violation of 15 U.S.C 1681
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Conn's, 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 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (FL)

XXXX XXXX XXXX ID XXXX XX/XX/XXXX DL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX early warning services LLC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the Following account numbers : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # XXXX Routing # XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Bank Routing # : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I don't recognize the following accounts in the question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my Early Warnings consumer report immediately! I've attached a copy of the report to this request. 

Thank you for your assistance Sincerely, XXXX XXXX
Consumer complaint received 2024-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (IL)

XX/XX/2024 my sister who signed the back of the her checks from XXXX XXXX XXXX XXXX for me to deposit into my account. It was 3 checks of back pay from the month of XXXX, XXXX, and XXXX because she didnt want to pay a fee at the currency exchange it wasnt a problem because we had done this before with no problems we live at the same address. The next day one of the checks funds was available. We called on XX/XX/2024 Chase Bank told us that my account was restricted and the funds was on hold because they couldnt verify the phone number with her name. I provide them with her number and they said they couldnt verify her phone number. I even asked them could we come to a branch with her ID, social security card and birth certificate they said no thats no how they verify. They are now holding on to the funds and threatening to close my account. Ive been with chase bank for over 10 years. I am offended and I dont know what to do. They have the account restricted and the funds are on hold
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One has now reported incorrect information to the credit bureau ( 3 ) times and each time, my credit score has dropped XXXX points. The first time was early last year. It happened again last month- I noticed at the end of XXXX that Capital One reported a balance of {$3600.00} to the credit bureau despite my last statement at the time being only {$1200.00} ( XXXX statement ). I have been with Capital One since XX/XX/XXXX and {$1400.00} is the highest my statement has EVER been. I contacted Capital One about this to see where they got this arbitrary number of {$3600.00} and the representative said he had no idea and to dispute it. To dispute through Capital One, you have to mail a letter with your name, account number, SSN, DOB, and address and I was not comfortable doing that so disputed through the credit bureau. The dispute came back on XX/XX/XXXX as completed and it looks as though Capital One reported a new arbitrary number of $ XXXX again, my balance has never been this high. My XXXX statement was out by the time this dispute was underway and it is only {$1400.00}. And again, my credit score dropped XXXX points because of the balance reported. 

In summary, Capital One has consistently reported incorrect balance statements to the credit bureau resulting in a significant drop in my credit score. When I contact them about it, they can't tell me why these numbers are reported because they don't see any statements matching the amount. When I tried to dispute it through XXXX, Capital One then reported another false balance statement amount, resulting in another drop to my credit score.
Consumer complaint received 2023-07-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

My name is XXXX XXXX I have a debt with Citizens bank that I'm disputing : XXXX someone cashed a check in the amount {$6300.00} XXXX my account with Citizens bank. I did not have the funds to cover this check and it was not me cashing the check. The funds where given now I'm being change to pay these funds. 

XXXX for any further information
Consumer complaint received 2024-05-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (CA)

I moved from XXXX to XXXX XX/XX/year> XXXX 
I was on auto payments and completed and closed my account Now I see amsher collections trying to charge me {$610.00} for a debt not owed
Consumer complaint received 2024-04-09
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

My father, a citizen of the US residing in California, passed away in XXXX. He left a will naming myself and my sister executors and which set up a family trust in such a way that the will did not under California law need to be probated. He left us verbal instructions that he had a bank account which would be the property of his then wife. At this time his papers were in some disarray ( he had been in and out of various care homes multiple times before his death ) but we thought at the time we had located and settled all financial matters. 

In XX/XX/XXXX his widow received a Form XXXX for a Capital One account. She told us she did not know of this account previously. I reached out using the phone number on the form and was told to use email to XXXX for all further communications about this matter, using the XXXX XXXX. provided. I did this and was contacted by Capital One employee XXXX. XXXX 's first response said the deceased account holder was me, which very much set the tone for what followed. 

XXXX was " unable '' to provide any information unless provided with copies of my father 's Death Certificate, Will, notarized statements from each executor, and a Letter of Testamentary or Administration. We provided all these except the last, substituting full copies of the Trust and explaining under California state law the will had not been probated and did not need to be. Having being given proof that my father was indeed deceased and that my sister and I were who we said we were she told us that the account has a beneficiary, it is not the two executors, and that she could provide no other information including telling us whether it was my father 's widow. XXXX continued to insist that a Letter of Testamentary was required despite my explanation and appeals that she refer the matter to someone at Capital One who was familiar with California estate law, frequently repeating that she was " unable '' to do this or that. I asked if, having being given proof that my father the account holder is in fact deceased Capital One was going to reach out to the beneficiary directly. Her response was " The beneficiary will need to reach out to us. '' Getting to this point took nearly two months, as XXXX normally took more than a business week to reply to each email. It is now more than four years since my father passed.
Consumer complaint received 2024-04-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (CA)

I applied for the XXXX program for the balance due on my student loans. 
They took several months to process my application before i was finally placed in the XXXX program. However during that time, my loan accrued {$380.00} in interest. 

Should not the interest accruing on the loan have been frozen from the day my application was processed? Otherwise, they have incentive to delay the process and sit back while the balance due increases. 

Thank you for your consideration.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

accordance with the fair credit Reporting XXXX  XXXX XXXX XXXX Account has violated my rights 15 USC 1681 Section 602 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 a account without my written instructions.

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 and purpose.
Consumer complaint received 2023-04-29
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: Atlanticus Services Corporation (NY)

Aspire is reporting my late payments to third parties agencies which in this matter are the three credit agencies which are XXXX, XXXX and XXXX. Pursuant 15 U.S. Code 1666b - Timing of payments ( a ) 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. Aspire is in clear violation of this law. Aspire is also reporting my transactions or experiences which is another violation of the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( a ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; which in this matter is my Utilization. Aspire has been my causing my family and I huge distress by reporting these items on my consumer report with its negative impact.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc. (SC)

Convergent Client account# XXXX Convergent account# XXXX  

The Fair Credit Reporting Act (FCRA, Title 15 U.S.C.  1681 et. seq.) prohibits anyone to view a consumer report absent a 'permissible purpose' (see specifically  1681s-3(b)).

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 cannot furnish a account without my permission.
Consumer complaint received 2024-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Sent emails on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and no response received. Need someone to contact me as Bank of America was " hacked '' in XX/XX/XXXX and Hackers got names, addresses, Social Security numbers, DOBs, account and credit card numbers from BofA vendor XXXX XXXX XXXX. 

I have requested information on how our sensitive private information will be protected as I have been compromised in the past by the lack of a company 's failure to better protect sensitive information, yet to date all my requests have been ignored. As a Bank of America customer, I was never notified of this breach as I have just found out about it. Bank of America is careless as they do not have better systems as they are greedy and insensitive to customer 's needs. I contacted the following email addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX