davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Mr. Cooper Group Inc. (NJ)

XX/XX/2023 Mr Cooper confirmed that the loan assumption packet was received and would be processed in XXXX. XX/XX/2023 I reached out to a representative and was told that they in fact received the packet but there was not other information on the status. They also confirmed that it should have been completed in a minimum of XXXX  days, they submitted a ticket and told me I would hear from a supervisor. A couple days before the data breach I reached out again to a representative because I did not hear from a supervisor nor any type of contact about the assumption. The representative said that she would put a ticket in and reach out directly to her supervisor about the issue and I would receive a phone call. Your site was hacked and down till first week of XXXX, I waited about XXXX weeks after Mr.Cooper was back from the data breach. This time the representative, had no information about the assumption and gave me her guarantee that she would look into this, speak to her supervisor because she refused to escalate my matter to someone above her that could fix this problem. XX/XX/XXXX I reached out again and once again I was told there was no information on my assumption. I recently emailed the loan assumption department about this matter as well a ticket. Now, XX/XX/2023 I still have yet to receive a phone call back from a supervisor, an email or any other point of contact. It has been way over the 90 day minimum wait period and still have not received any information on the loan assumption or heard from any supervisor about this.
Consumer complaint received 2023-12-30
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: ENCORE CAPITAL GROUP INC. (MS)

I have disputed several inaccuracies with midland credit, XXXX XXXX, XXXX XXXX. I request bank transactions and proof that I was late with this creditor. The creditor never sent proof that I was late. The creditor has took over 30 days to update my account and Perfom an investigation. The creditor is illegally reaged my date active from XXXX XXXX is missing date last active and your company has failed to do the proper investigation because if so you wouldnt allowed all those late charge offs from the creditor and i would not have XXXX different dates of last active these are FCRA violations . To whom it may concern i am writing to dispute the following information on my credit report : These items are currently showing inaccurately on my credit report filed with the credit bureaus. Pursuant to 5 U.S.C ss 552a ( i ) ( 3 ) Im requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timeliness, and completeness as is necessary to guarantee fairness in the determination shall not use such record. Please contact me at the email address below to let me know that you have corrected my credit report by removing the disputed items within. The next 30 days as stipulated by the FCRA. Thank you for your assistance with correcting this erroneous information on my credit report
Consumer complaint received 2023-12-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (VA)

I opened an account on Goldman Sachs XXXX and deposited {$3500.00}. When I installed their app on my smartphone and tried to login with the credentials I created, I got an error stating I could not access my account. I called customer service and after an hour call I was told I would be able to access my account in an hour or two. However, 3 days later I was still unable to access my account. I called Goldman Sachs again and they told me a completely different reason as to why I couldn't access my account. The first time I was told it was because I didn't verify my linked bank account and the second time they told me the phone number I registered my account with was not under my name. I am currently in the process of proving the account is mine by filling out an affidavit and mailing it back. This process is expected to take a month and a half at minimum.
Consumer complaint received 2024-01-23
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC (TX)

Wilshire Consumer Credit Account Number XXXX On XX/XX/2024 I filled a complaint since Wilshire wrongfully repossessed my vehicles due to no payments which the payments were sent. please see the attach where they're giving false information in regarding the loan to affect me financially,.
Consumer complaint received 2023-12-30
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (NC)

My name is XXXX XXXX and I, along with my old roommate XXXX XXXX, were amazing tenants at the XXXX XXXX XXXX in apartment XXXX in XXXX NC, from XX/XX/XXXX to XX/XX/XXXX. We were excellent tenants that paid our rent every month that we lived in the apartment complex. On XX/XX/XXXX I received an email stating that I owe XXXX, around {$76.00} was for the rent and the rest was due to damages to the carpet that were not visible when we left the apartment ( They claimed the " damage '' was only visible when they lifted up the carpet ). On XX/XX/XXXX I went to the XXXX nearby and got a money order for {$280.00} per XXXX XXXX XXXX ( Property Manager ) instruction. Despite paying on time and giving my money order directly to XXXX, we received letters from National Credit Systems , Inc. ( a collections agency ) stating that we still owe the {$280.00} that I already paid to XXXX XXXX XXXX XXXX XXXX  months later in XXXX. I immediately called the office and after being on hold for hours, XXXX XXXX came to the phone and asked for my money order information so he could confirm the payment. After that, he told me he would get back to me with more information. XXXX weeks later I went in person to follow up after not hearing back, and XXXX told me that the money order was in the system and I owed nothing. However, I continued to receive calls from the National Credit Systems debt collectors stating I still owe money to XXXX XXXX XXXX 

I have called XXXX XXXX multiple times to determine the state of my money order, and each time I find out the money order has still not been cashed. I returned another XXXX weeks later in person and demanded evidence in writing from XXXX that I did not owe any money to XXXX XXXX XXXX, all he could give me was an email, and according to him the accountants are the only ones able to provide me with a receipt. In hindsight, I should have gotten a receipt of payment the day I gave my money order to XXXX, but I expected him to do his job. 

It is very disappointing as a 100 % paying renter that I am now fighting with a collection agency for funds I have already paid. National Credit System , Inc is demanding {$280.00} which I have already paid. I have filed a dispute with the collections agency XXXX  but have not gotten a status update on any of these disputes. It has been over XXXX weeks since the last dispute was filed through their website. I have sent in a dispute to XXXX today, since this debt I do not owe hit my credit on XX/XX/XXXX.
Consumer complaint received 2023-12-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC. (CO)

Recently, I tried logging into my OptumBank XXXX account online to manage. my investments and transfer funds to my investments I have what Optum refers to as XXXX 'portfolios ' which are separate sub-accounts to my overall XXXX  investment account. XXXX is XXXX XXXX, which is a closed option no longer accepting contributions. The other is a XXXX XXXX portfolio. 

For quite a while, I was able to manage my investments for both of these online using the OptumBank website. However, upon logging in on XX/XX/2023, I discovered that although my XXXX XXXX portfolio had a balance, I was unable to see the equities/mutual funds/etc in the account, make transactions, see how the assets were performing, or transfer additional funds. Instead, the website is asking me to 'enroll ' again in the XXXX XXXX XXXX XXXX ( seemingly ), and this is erroring, as I am already enrolled. 

Previously, I had setup the 'auto invest ' function which was supposed to sweep cash held in my XXXX to my investment account and invest it according to my portfolio mix, and that was not being performed either, as there is a significant ( XXXX XXXX XXXX XXXX available to invest ) cash balance uninvested. 

I called Optum XX/XX/2023 and spoke to XXXX, and I told him of this situation and the error I was getting. He was unable to help as this seemed to be an unusual situation, despite his best efforts.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I placed complaints with CFPB on XX/XX/XXXX for XXXX, Equifax, XXXX regarding accounts being on my report that were opened fraudulently WITHOUT MY KNOWLEDGE OR CONSENT. I am a victim of identity theft! 

CFPB Complaint ID : XXXX Complaint ID : XXXX Complaint ID : XXXX It has been over 30 days and NOTHING has been resolved!!! 

Reporting Agencies can not furnish accounts WITHOUT my WRITTEN consent! 
Please block and remove these collections and accounts from my credit report, Pursuant to Section 605B of the Fair Credit Reporting Act, and send the required notifications to the furnishes of this information. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-20
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: Experian Information Solutions Inc. (TX)

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I haven't missed any payments
Consumer complaint received 2023-12-29
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Harris & Harris, Ltd. (DC)

I settled a XXXX DMV issue with Harris & Harris. The XXXX DMV is still rejecting my vehicle registration application XXXX  days after resolution. I called Harris & Harris to request proof of settlement and was told by XXXX XXXX that I need to go in person to the DMV and tell them I am on a payment plan because Harris & Harris communicated the debt repayment plan to XXXX  DMV and updated in their system but there is something awry on the DMV side. I can get a letter stating that I am on a payment plan but Harris and Harris can not tell me what detail will be included in the letter and that it may take up to XXXX  days to get this letter, which is an issue because temporary tags last for only XXXX  days. I can not get information through email. They are not willing to provide a receipt of any kind or documentation to support the validity of the debt, though they are in receipt of payment and the account is current and they have been receiving payments on time via ACH each month since XXXX. Reference number provided for payments is XXXX.
Consumer complaint received 2023-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

Hello to whom it concern, XX/XX/2022 I was working with a XXXX XXXX and two of my coworkers endorsed me a check because they owed me funds. Chase cleared the checks and froze the account. I went to the bank and they said they needed to verify the checks by phone. 
Its been a XXXX now and my account is still frozen. I have called several times now to get my account open and have my funds released. They still can not verify the number. So the 3rd party who endorsed the check went to the bank to show his two forms of identification which the most typical way. When he went to bank they said, no, that they have to call him. He gave his phone number and they said no, its not verified number, hes right there at bank with his identification and everything. He drove an hour to the bank to clear this situation and they said it would not work. Hes given all his personal numbers to them and they say no, not verified. Hes talked to his phone providers and they say his number is verified. I have called many many times to chase. Finally last week I called and FINALLY his number was verified with his name. She called him and verified the information. She said everything went through. They called and spoke to him he confirmed the information amount and maker of check, all she requested. She asked me to call back in 5 days to get an update. I called back on XX/XX/XXXX and she confirmed all went through again. All I had to wait for the check to be sent. I called today XX/XX/XXXX to check the update and they said that my account is still frozen and my funds havent been released that they had not even spoken to the 3rd party. How is this possible? If just a few days ago I got confirmation twice that this had all gone through. And now they are saying that its not verified but it was verified a few days ago? I am not sure what to do at this point. I have given all information they needed and 3rd party as well. I sent an email to some executives advising them I can personally go with the 3rd party to the bank again if needed. How can they continue to hold my funds?. They were verified already. 
Thank you
Consumer complaint received 2023-12-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NJ)

I have a Sears Citibank Mastercard with Citi Thankyou Points as a rewards program for using the credit card. I have been unable to access my rewards points since XXXX to use them towards purchases at retailers such as XXXX and XXXX. In addition to the loss of access at retailers, the Citi Thankyou site does not allow me to log in to at least purchase a gift card with my points to use at a retailer. I have called both Sears Citibank Mastercard and Citi Thankyou Points and each time I waste at least one hour on the phone, only to have them blame each other for the issue. I have been calling about this issue since XXXX, with each call ending in frustration. Sears Citibank Mastercard has emailed me with bonus point offers that I activated, encouraging me to use their card for online purchases, which I did. The rewards have totaled XXXX points which is equal to {$270.00} that I have accumulated from XXXX through XXXX. I was able to speak with a US based supervisor on XX/XX/23 about the issue and she actually told be this is a Citi issue! When I pointed out that the credit card is a Citibank Mastercard issued by the company she works for there was an uncomfortable silence on the phone. I asked the representative to make a three-way call with a Citi Thankyou supervisor to help me at least log into the rewards site and she said that she would not do that because it is not allowed. I then explained that it seems highly unusual that the issuing bank will not assist the customer in resolving an issue with a rewards program that they offer to use their card. The analogy that I used was same church, different pew in that everything is under the Citi umbrella. Again, silence on the phone. I ended the call by explaining to the customer service representative that it is a bad business practice at best, if not an outright deceptive practice, to offer an incentive to charge on their card, which makes them money and then prevent me from accessing my rewards which carries a cash value. The Sears Citibank Mastercard site contained the points balance and a link to go to the Citi Rewards site prior to issuing new cards in XXXX of this year. This link is now missing and Citi Thankyou does not recognize my login. There is obviously an issue with the Sears Citibank side and they are not helping to resolve it in any way. Citi Thankyou has tried updating my info and reregistering my account to no avail. Citi Thankyou is acknowledging there is an issue and they are indicating it is with Sears Citibank Mastercard. I find it hard to believe that it would take this long ( 2 - 3 months ) to resolve an IT issue nowadays. In addition, Sears Citibank Mastercard should be taking responsibility to correct the rewards program that they offer through their credit card. I am hoping that by filing this complaint the company will correct the issue and compensate the customers for missing out on maximizing their points during the holiday sales that have now passed.
Consumer complaint received 2023-12-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (MO)

My previous landlord withheld my security deposit illegally and charged me XXXX dollars for carpet replacement that I wasn't liable for. I took my landlord to court and finally got a judgment in early XXXX of this year. I got the court documents that state I am not liable for the debt and I've contacted both XXXX XXXX XXXX and the Debt Collector to remove it and they refuse to remove the debt despite the courts claiming I am not liable and they made no appeal attempt within the 10 day window so the ruling is final. 

The debt collector in particular has been very hostile towards me and refuses to even accept the paperwork I sent. I gave them instruction on how to check the judgment on the Missouri Casenet website so they can see it on the official website and the Account Representative said " It's not our responsibility to do the work for you, our job is to get your money. '' He refuses to accept the court judgment, XXXX XXXX XXXX is refusing to remove the debt, which is preventing me from getting a new apartment and damaging my credit so I can't buy a new car either.
Consumer complaint received 2023-12-29
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MI)

I received a bill from Macy 's stating that I had a balance of {$6.00} due on XX/XX/2023 for an account ending in XXXX. I have not used my Macy 's card in years and had a XXXX balance on it. They have begun charging me minimum interest charges even though I have not been using the card and the balance has been paid off. The letter they sent me says there was a balance of {$4.00} that was subject to interest and that they added a {$2.00} " minimum interest charge '' for the balance, but I do not have a balance and I'm not paying a minimum interest charge on money I do not owe. 

I have attempted to rectify the matter with them on XXXX occasions, but their phone lines are all automated and I have waited between 22 and 47 minutes with no one responding to the calls.

The annual interest rate for this card is reported at 31.99 %. The statement also says that the total fees charged in 2023 was {$2.00} and that the total interest charged in 2023 was {$0.00}, so I have no idea where the {$4.00} came from.
Consumer complaint received 2023-12-29
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation (GA)

XX/XX/2023 I reached out to XXXX and requested the original car contract. The XXXX car company told me that they sold the contract to Bridgecrest a day after the car was purchased. Bridgecrest had time to contact me and not 1 time did they make any attempt to do so. They mixed consumer credit with a cash transaction, which is illegal. A {$3600.00} down payment was given to XXXX after they ran my credit. ( 15 u.s.c 1662 b ) down payment illegal ) They never offered or provided car insurance which is also something they are supposed to provide. Instead, they loaned me {$11000.00}. Then charged me {$7600.00} for finance charges and {$590.00} for XXXX XXXX insurance. Taking my total of {$10000.00} to {$22000.00}. They are operating with a false contract with forged digital signatures, which is also illegal. They have repossessed the car without a valid contract, which is also illegal. Since they sold the car contract to XXXX, that now means I am paying for this car twice, which is also illegal. They never sent out paperwork for the right to rescind within 3 business days. ( 12 CFR 226.15 Right of rescission ) They sent a text message stating that they would repossess the car by XX/XX/XXXX but they got on XX/XX/23.
Consumer complaint received 2024-03-23
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. (NC)

I provided the listed companies with proof of my signature to verfiy that I did not endorse the instrument and they have not removed the listed accounts from my credit report. 
I am writing you concerning my credit file with your company. I have obvious fraud on my credit report. There is another social security number showing on my credit ending in XXXX  that does not belong to me. I am requesting that you honor Section 605B ( c ) ( 3 ) ( A ) of Fair Credit Reporting Act and the Blocking of my credit file. It is obvious that you guys have my information mixed up. I have a Right to Consumer Right to Privacy according to 15 U.S. Code 1681 a ( 4 ). 

15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mines, which is an infringement of my privacy. Congress said I have the right decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. 
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can\'t actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS. 
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDNT DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer right have been violated, and I have been taken advantage of.