davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

I attempted to make a payment on my capital one credit card on the statement due date. Capital one would not allow me to apply my payment on the actual date the payment was being made due to it being past XXXX XXXX XXXX and forced me to select the next date which resulted in me getting charged a late fee. I have never encountered a company that would set a time to post a payment especially in a global and virtual environment. This is gross predatory behavior and just a way to collect more fees.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-09
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. (AL)

there are accounts due to identity theft that are reporting onto my consumer report that shall be blocked and removed, per 15 USC 1681 within 4 business days. Your company has been negligent in my previous request of blocking the fraudulent accounts. I did not receive goods, money or services as a result of these transactions, I did not received any benefits from these transactions. This request is not being made in error or based on material misrepresentation so your company shall not decline or rescind to block the following items from my consumer report.
Consumer complaint received 2024-01-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (PA)

Was doing a routine check of my credit score which I do regularly and steadily maintain around a 740 credit score with 100 % payments on time when I notice my score down to XXXX with an alert regard a new collection. Noticed a collection from sunrise credit services on XXXX for a collection of {$34000.00}. They are collecting for XXXX XXXX XXXX phone services. I have never had XXXX XXXX XXXX for a phone service ever in my lifetime. Sunrise credit services listed an address on there files for collection at XXXX XXXX XXXX XXXX OH. Which I have never lived or know of. An email address of XXXX which does not belong to me. XXXXXXXX XXXX  XXXX account was opened XX/XX/XXXX and went to collections XX/XX/XXXX for {$34000.00}. The only reason I have any knowledge is by checking my credit score. I have never been contacted by phone, mail, or email for any type of account regarding any type of overdue balance or any account at all involving XXXX XXXX XXXX. I called sunrise credit services today on XXXX for information regarding this fraudulent debt and they said they can not provide me with any documentation stating the origin of the debt, and instructed me to get a police report and watch my mail for a fraud packet. I spoke with XXXX XXXX  from sunrise credit services at XXXX XXXX for approximately 14 minutes on XXXX I do not understand how a company as reputable as XXXX XXXX XXXX could even allow someone to get {$34000.00} in debt, let alone with out ever making an actual identification of the person receiving there services or even a inquiry on my credit report.
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP (IL)

The morning of XX/XX/2023 someone entered u.s.bank in XXXX XXXX XXXX. Deposited a XXXX check into my checking account. Then he withdrew XXXX from my account after teller told him how much was available for withdrawal at time of deposit. Bank called me 30 minutes after withdrawal to verify I had made deposit and withdrawal. I said no and she locked the account and me to go nearest branch and fill out fraud complaint paperwork. I did this paperwork 3 different times because he time I inquired, they said they needed it again. 4 months later, I'm still without my money.
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CT)

I signed up on XX/XX/XXXX for the Chase Bank XXXX bonus through a link provided to me by my Mom, it included a bonus for checking, savings and doing both. I met all criteria to receive the bonus but was met with resistance from customer service and the branch manager at my local chase location. 
It was brought to my attention that a bank bonus code was processed on my account in XXXX, although I did not meet the criteria nor did the XXXX account receive a bonus. The previous account was closed for more than 90 days when I applied for a new account in XXXX. The wording in the fine print of the bonus specifically states that I am ineligible to receive a bonus, if I had received one to my account in the last 2 years. NOT that a code cant be processed on my account within the last two years. My account in XXXX NEVER received a bank bonus. This wording is incredibly misleading. 

This process has been incredibly frustrating and time consuming for me, as the only incentive for me to switch my checking account over was the bonus that Chase was offering. Not to mention, my multiple visits over to my local location to speak with someone, just to be told that the manager is not in and that I would have to return on a later date. In total, I spent 5 hours of discourse on the phone or in person to try and get this issue resolved. After spending this time, the branch manager stated she would reach out to her upper management for help but she never followed up with me. 

Hoping to find some resolution with this.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST NATIONAL BANK OF OMAHA (IL)

Subject : Urgent Request for Investigation of Closed Account from Credit Report I am writing to bring to your attention a concerning issue regarding my closed account with XXXX , with the account number starting as XXXX. The account has been closed down due to fraudulent activities, and I have noticed inaccurate information on my credit report, including late payments and a balance, contrary to the terms outlined in 15 USC 1666b and 15 USC 1692 ( b ), as well as the protections provided by the Cares Act. 

I kindly request your assistance in investigating this matter and ensuring the prompt removal of the inaccurate information from my credit report. I believe this is essential for maintaining the integrity of my credit history. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution. 

XXXX XXXX
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (GA)

Self Lender reported late payments on my account for the month XXXX and XXXX I paid off the loan before the loan term ending inXX/XX/XXXX and would like this account removed immediately from my report. It is hindering me from obtaining new lines of credit.
Consumer complaint received 2024-04-30
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. (FL)

For over XXXX year now, I have requested a copy of the XXXX XXXX XXXX XXXX XXXX policy that Mr. Cooper, also RightPath Servicing and also Rushmore Servicing, has claimed to have in their possession. This is for the term XX/XX/XXXX to XX/XX/XXXX. The above mentioned claimed to have referenced this XXXX XXXX XXXX master insurance policy in order to determine that the insurance coverage is insufficient, therefore, the need for XXXX was necessary. This claim has been disputed since RightPath Servicing first made this claim in XX/XX/XXXX. Proof of insurance was sent, on multiple occasions, and requests for the servicer to produce this insurance document that they claim to have referenced has also be made on multiple occasions. The servicer continues to refuse to produce this requested document and has reported me to the credit bureau while requests for documents are pending. This is a direct violation of the CFPB regulation.
Consumer complaint received 2024-04-30
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Mr. Cooper Group Inc. (OH)

Second day in a row they responded by calling and I am at work and could not take the call at that exact moment with no notice of a call. 
They left a voice mail providing a phone number that takes me to a loop where I can not talk with a person and I can not get the information I need. I CAN NOT GET my information on their website they refused to allow me to set up an account so I can't LOG IN to speak with anyone in their chatbot on their website. 

I NEED MY EXACT PAYMENT HISTORY They did not provide it they did not speak with me and they refuse to give me my information as there is NO WAY to contact anyone
Consumer complaint received 2023-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (FL)

I have requested in writing to Source Receivables Management, mailing address XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX, on 3 different occasions, that the account place on my credit report on XX/XX/2023 is not my account. My Validation of Debt has been met with silence and I am at a loss of what to do without them providing proof of my debt. They have refused to provide me with Proof of Ownership of this account. I have been diligently requesting this data and have no resource other than filing an official complaint. I am requesting as my right, to have this debt validated. Please help me.
Consumer complaint received 2024-04-29
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: ALLY FINANCIAL INC. (MI)

I was looking to apply for a home loan L and notice damages on my credit report. According to the 15 USC 1681 law their should not be any damages on my report and is a defamation to my character
Consumer complaint received 2023-11-21
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: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-20
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (AZ)

Statement close date was XX/XX/XXXX. Statement was issued and payment scheduled for {$200.00} on XX/XX/XXXX. This is more than the minimum required payment. 
When the next statement was issued on XX/XX/XXXX for a close date of XX/XX/XXXX, it shows the {$200.00} payment made and included a late fee of {$29.00}. I immediately called Citibank and the customer service rep refused to review the account, telling me the payment was due XX/XX/XXXX, so the payment made in XXXX did not apply to the XXXX due date. I requested to speak to a supervisor. The supervisor, XXXX, also continued to repeat the XX/XX/XXXX due date, however, eventually agreed to remove the late fee. 
I can accept this being a computer glitch. However, the refusal to review the account, apply common sense, is unacceptable. It is though, they are trained to expect everyone to pay late and complain, so can't possibly entertain any other option.
Consumer complaint received 2024-04-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

In 2015, I opened an account with Chase Bank. I also joined a business venture with a friend. For total transparency in the business, we agreed that the proceeds from the business would go into my bank account. Chase placed a fraud alert on the account. 

I was later arrested for an unrelated incident and completed 8 years in jail. Because of my absence, I could not provide an immediate resolution through communication with Chase, in-person visits, or any other method they deemed acceptable. When I was released in 2021, I attempted to resolve but was advised the funds were sent to the XXXX XXXX XXXX XXXX XXXX XXXX. After many unsuccessful attempts, I was able to confirm that they were not and the funds were still in the possession of Chase.

Chase is now asking for proof that I was associated with the business. This does not exist because I made a handshake agreement with the business owner and my name does not appear on any documents that existed before that agreement. The owner has visited Chase alongside me to confirm this. 

It has been discovered that while it is not best practice to utilize a personal account for business transactions, it is not illegal. In 8 years, there has been no attempt to recall the funds from Refund Advantage ( the company that the deposits came from ) or any other claim that would create suspicion of fraudulent activity. Chase has decided to simply hold the funds with no reasonable option for me to claim legitimate earnings. There was no illegal activity and I have validated my identity, the source of the funds and other parties involved have as well. I would like a resolution that offers a release of the funds that have been held for this extended period, plus interest. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-21
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P. (GA)

On XX/XX/XXXX of this year, I contacted Resurgent Capital Services company requesting they validate my obligation and to send me the contract showing I owed the debt to their client being " LVNV '' and suspend with all collection activities until they had proof that I owed the debt. They sent me some invoice from " XXXX '' but not the actual contract of this debt. 
They did, however, submit all of the information while the investigation was on going to the varies credit agencies which have negatively impacted my credit score. 
from what I understood, they are collecting a debt for LVNV Funding LLC another debt collection company. I have not had any service or contact with them.
Consumer complaint received 2024-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (AL)

I closed out my account a couple months ago. I saw that a check was coming on USPS informed delivery but due to mail not being delivered properly ( still missing mail and XXXX packages ), it never arrived. The date it was supposed to be here was XX/XX/XXXX. I called and they said they couldn't see a check. Funny since I still have the email with the picture of this piece of mail. It even says truist refund check as the return. They said I needed to go to the branch. The branch is far away for me, one of the reasons I closed the account. They closed the branch by my house. When I went to the branch they could see one was issued but didn't know how much for or why. They said to call the customer service. Round 2, they said the same thing they said before. Even the supervisor did. If I'm due something, I obviously want to get my money and the bank not keep it.
Consumer complaint received 2023-09-21
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. (SC)

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion.
Consumer complaint received 2024-01-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

I am a joint account holder along with my mother, who at XXXX is suffering from early XXXX. As such, I handle all of her financial affairs. 
On XX/XX/XXXX, a remotely created check for {$1500.00} was cashed against our checking account without our knowledge or consent. I became aware of this when I went to the ATM on XX/XX/XXXX to make a withdrawal and noticed that the balance was not what it should have been. I called the bank and was told that they'd have to close the account. This we didn't want because there were retirement and XXXX deposits forthcoming. 
On Monday, XX/XX/XXXX, my mother and I went to the branch to report the breach and were required to file an " Affidavit of Forgery, Alteration, Counterfeit or Unauthorized Remotely Created Check ''. My mother signed the Affidavit, as the check was drafted with her name and address on it. The Branch manager notarized the form, and we were assigned a case number along with copies of the complaint. The bank put a debit block on the account. We heard nothing from the Bank after that. For the record, neither my mother nor I authorized this transaction, received any benefit or merchandise, tangible or digital, as a result of this transaction. 
I began calling the Bank general customer service number and was eventually given the number for their " IFA '', Internal Fraud Alert Dept, XXXX, and I called them on XX/XX/XXXX at XXXX. After providing our case number and other identifying information, I was told that they initially sent the complaint to XXXX XXXXXXXX XXXX but realized that that was the wrong bank and that they then forwarded it to XXXX XXXX and was waiting to hear from them. I was told to check back. 
On XX/XX/XXXX at XXXX I called the IFA Dept requesting an update only to be transferred to another department. The representative, " XXXX '' told me that our case was cancelled. When I protested stating that we had not received any type of communication pertaining to this action, neither via mail nor message in their banking app advising that there was an important document. The best that she could offer was to open a new case and told me that they would be mailing us forms to complete to email back to them. 
This is unacceptable. XXXX days/ XXXX business days have passed since our account was compromised, and not only have we not been made whole, but must start all over. Again, unacceptable and in total violation of numerous laws and our rights as banking customers.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc. (LA)

US Department of ED confirmed that my account went into Collections on XX/XX/2017 which would seem to suggest that the first day of XXXX had passed. 
Us Department of ED Account numbers XXXX XXXX XXXX XXXX XXXXXXXX is close to or past the time legally protected by the FCRA to be furnished.
Consumer complaint received 2024-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC (IN)

My Mortgage company, CrossCountry Mortgage, XXXX XXXX XXXX transferred my account to a new CrossCountry Mortgage, LLC shell company in XXXX XXXX At that time, we were in the proces of changing home/auto insurance companies. When we changed and had the new payment information, the new company refused to update the amount we owed for insurance and overpaid the new insurance company. I tried multiple times to get this corrected with the company to no avail. We had to get our money back from the insurnace company with the help of our agent. 
Subsequently, we learned we had been overcharged for our property taxes by the XXXX XXXX XXXX XXXX XXXX here in XXXX, because they never applied our homestead deduction to the property when we purchased it in XXXX. We got this fixed in XXXX and I sent CrossCountry Mortgage, LLC the corrected property tax bill, showing we would need to pay the local government less than half what had been entered into their system. They never changed the amount. I sent them the corrected property tax/insurance information XXXX XXXX XXXX XXXX XXXX, XXXX ( insurance ) ; XXXX XXXX, XXXX ( insurance ) ; XX/XX/XXXX, ( insurance and taxes ) ; XX/XX/XXXX ( taxes ) ; XX/XX/XXXX ( taxes ) XX/XX/XXXX ( taxes ). 
The bill was due XX/XX/XXXX, and they never changed the amount or ever tried to contact me beyond the auto-generated robo-email. I don't think this shell company has very many actual people working for it. 
Today, I learned they never corrected their system and overpaid the property taxes ( twice what was owed ) on XX/XX/XXXX from my escrow account, despite my efforts for XXXX months to get them to correct this. I have also requested that they cancel the escrow service, to no avail. 
I am happy to provide the correct property tax information, which is also publicly available. 
In the meantime, I have turned off the auto-pay feature and will not pay them another dime until they fix this mess and recoup my overpaid property taxes.