davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-18
Product: Mortgage — Manufactured home loan
Issue: Incorrect information on your report — Account status incorrect
Company: TRIAD FINANCIAL SERVICES, INC. (MI)

This account was paid in full by the previous owners bayshore Wolverine capital by the due day of XX/XX/XXXX and an additional payment was made by me before the due date. Im requesting that the XXXX days late to be removed from my co borrower and my credit report immediately. We never been XXXX day or more late why would we be XXXX days at pay off time? I lost XXXX points on my credit report due to this misinformation and my co borrower lost XXXX points due to this we ask that triad Financial remove the XXXX day late so that we can continue with our lives with our credit report without this blemish. I will enclose documentation that will support my claims I take my credit and credit report serious and Im responsible with my credit, this XXXX late on my credit report stops me for doing anything with this blemish from XXXX financial. I cant see how they were able to put a 30 day late on an account that was reported closed last month and removed off of my credit last month that I filed an dispute and got the account removed myself and it was Successfully removed 30 day late from a successfully removed account. This was my complaint last month. 

I have new complaint this month as of XX/XX/year>. The same issue has occurred for the month of XXXX. My Wife and lost out on homes that we were trying to purchase the past XXXX months. Now we had to rent for nothing for a year because of these constant XXXX late Triad Financial keep putting on our credit reports damaging our credit. XXXX requesting XXXX stop this XXXX late debacle on my wife and i credit reports remove XXXX late immediately.
Consumer complaint received 2021-03-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

In late XXXX, a surprise adverse account was furnished to the credit bureaus XXXX XXXX Equifax, and XXXX XXXX by a debt collector for a {$57.00} delinquent amount owed from XXXX to a radiology company. I was not ever informed of, nor do I recognize, this account. I have had good medical insurance and pay all my co-pays and deductibles at the office or when receiving bills. I have no other collection or adverse accounts reported on my file. I disputed the entry with all three credit bureaus and the debt collector quickly removed all notations. A few months later, the account appeared again under the name of a new debt collector. I disputed with all three bureaus : It was quickly removed. A few months later it appeared again under the name of a third debt collector. I've disputed and the notation was removed by two credit bureaus and Equifax says they are looking into my ( third ) dispute. I have informed the bureaus that this account, no matter the debt collector, is inaccurate. The debt collectors may be selling the account. The names of the debt collectors are XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2024-05-29
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (TX)

My mother passed away in XX/XX/XXXX. Prior to her death, she had an IRA CD account in which the CD had matured XX/XX/XXXX. She was ill and together we attempted to close the account and move it to another institution. I received a letter in the mail dated XX/XX/XXXX saying the request had been returned unprocessed. I contacted PNC and spoke with XXXX XXXX and she said that she could not let me know why it was not processed without the power of attorney document ( my mother was too frail to speak on the phone ) It was not touched, nor were we given appropriate people to solve the problem. The money was put in an auto-renewal earning .03 % ( you know that isn't close to market ). I sent the power of attorney document to them on XX/XX/XXXX where it sat and they would not speak to me. Finally, I sent in the DSPOA for Ira accounts ( after consulting with my attorney ) on XX/XX/XXXX and then my mother passed away on XX/XX/XXXX. Part 2 : After death, this account was supposed to roll to myself and my 2 siblings under the 10 year rule after death, but PNC refused to do that ( my attorney contacted them several times and they refused and would not allow him to speak with their legal team ). I am responsible for the estate so I agreed to distribute their way, which was the trust as the beneficiary. I filled the paperwork out with one of their representatives on the phone, I submitted it on XX/XX/XXXX with everything that they instructed for me to include and I was supposed to have the funds in 7-10 business days. I contacted them today, XX/XX/XXXX and the papers haven't been touched. I asked to speak to a supervisor and they said that they don't do it that way, but they transferred me to a voicemail to a level up and the call should be returned by end of business on XX/XX/XXXX. I would like someone to help me get this money ( mailed with tracking ) so I can finish my fiduciary responsibility to the estate. I know it can't be done, but I would also like to be reimbursed for the loss of interest ( approximately {$2300.00} ) and legal fees ( $ XXXX ).
Consumer complaint received 2024-05-15
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (AZ)

I received an Amex Gift Card from my employer valued at {$100.00}. I confirmed the balance to be {$100.00} as of XX/XX/2024 on the website printed on the card. I attempted to purchase an XXXX Gift XXXX XXXX XXXX for {$100.00} and found the purchase declined. I was able to complete a similar transaction with a different Amex Gift Card for {$25.00} that same day. After learning that this is a common problem with Amex XXXX XXXX, I tried several other smaller dollar values, which were all declined from the {$100.00} gift card. Finally, I simply tried to purchase the items I wanted from XXXX totaling {$95.00} using the Amex Gift Card. Upon looking back, I found that the order was again declined by the Amex Gift Card and instead charged to a backup payment method that I did not want to use.
Consumer complaint received 2024-07-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monterey Financial Services LLC (OR)

I am writing to file a complaint against XXXX XXXX XXXX XXXX XXXX XXXX, and Monterey Financial due to their mishandling of my timeshare contract cancellation. Despite my numerous attempts to resolve this directly with XXXX, they have refused to offer any assistance since I stopped paying them, constantly sending me to collections instead. 
My communications with Monterey Financial have also been completely unproductive. After sending formal letters disputing their collection efforts and making it clear that I will only deal with the companies involved in the original agreement, Monterey Financial has not even had the decency to respond. This has left me confused and in limbo, not knowing who is managing my account. I finally spoke with a representative at the collections agency about a month ago, and they told me there was absolutely nothing they could do to assist with this matter and they did not agree to give me cancellation options or return my account to the timeshare company. 
This treatment is not only unprofessional but also harmful. For over a year, I've made extensive efforts to resolve this reasonably, and instead of working with me, the companies involved have sought financial damages and tried to harm my credit. My request to escalate this matter to someone in management has also been ignored, adding to my frustration and distress. 
I'm respectfully asking for your assistance in resolving this ongoing ordeal. The continuous neglect and refusal to provide a solution are unacceptable, and I believe that filing this complaint with the CFPB is a necessary step to ensure fair treatment and resolution. 
Thank you for your attention to this urgent matter.
Consumer complaint received 2024-05-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc. (FL)

Hello, I am writing to seek urgent assistance regarding an issue with my mortgage account. On XX/XX/XXXX, my mortgage was transferred to Mr. Cooper. According to the law, I understand that I have XXXX  days to set up payments with the new mortgage company. 

However, immediately on the date of the transfer, Mr. Cooper began automatically withdrawing funds from my bank account without my authorization. Consequently, I contacted my bank and placed a stop on the payment, as I had not given permission for these withdrawals and still had XXXX  days to establish the new payment arrangement. 

I am now on day XXXX of this XXXX period and have XXXX  days left to organize my mortgage payments. Upon reviewing my account, I noticed that I have been charged a {$25.00} late fee. Despite numerous attempts to reach out, I have been unable to connect with a live advisor at Mr. Cooper. 

I am very concerned that this late fee may negatively impact my credit score. I respectfully request your immediate assistance to resolve this matter, remove the late fee, and ensure no adverse effect on my credit due to this issue. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have XXXX lines of credit with XXXX XXXX, a line of credit with {$550.00}, a line of credit with {$500.00}, and a line of credit with {$1000.00}. 

I am showing many inconsistencies across bureaus that the XXXX credit bureaus are reporting. I have highlighted them to show their violations. Another major issue is these accounts are showing Account not Disputed status. I have disputed these accounts on XX/XX/23, XX/XX/23, XX/XX/23 via mail to the bureaus.
Consumer complaint received 2024-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On Saturday XX/XX/year>, I deposited my first paycheck from my new place of employment into my newly opened Chase XXXX XXXX in the amount of {$10000.00}. The money included expenses I had covered and was being reimbursed for XXXX XXXX across the country ( XXXX XXXX XXXX  ). The representative said that the funds would not be available for approximately XXXX days. He explained that I could call a number to take the hold of the check. I did so, but it was related that I should call back on the first business day which would be Monday XX/XX/year>, which I did. I was then told that I should check back the next day because the funds were pending. Allegedly, XXXX 's XXXX, the bank my employee transacts with, had not released the funds. Checking back today, they then said the money would not be available till XX/XX/year>. After reviewing the Code of Federal Regulation, Title 12, I called Chase back and asked them to contact XXXX XXXX  XXXX saying to at least pay a portion of the money as waiting XXXX days, past the weekend, places me in a financial hardship situation. The code seems to state a hold of XXXX days is required, with an extra XXXX day if deemed necessary. The representative said the banks are under federal regulation, allowing them to hold the funds, and since XXXXXXXX XXXX XXXXXXXX had the funds, there was nothing they could do. I spoke with a lawyer and emailed my payroll department. The lawyer said that it was an exorbitant amount of time to hold the funds of a big company for paycheck, and that I should write the company. Which I did. Chase responded with the same sort of thing. I then received an email from my payroll department stating that the paycheck had already posted the day prior ( XX/XX/year> ) and that I should contact Chase immediately to resolve the issue. I've sent emails to Chase asking for XXXXXXXX XXXX XXXXXXXX contact information and they have not provided it to me. Chase is still holding the money from my paycheck as of XXXX, XXXX
Consumer complaint received 2023-06-09
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: OPORTUN FINANCIAL CORPORATION (AR)

In accordance with the fair credit Reporting act XXXX Account # XXXX, 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under and open end consumer credit plan as late for a purpose.
Consumer complaint received 2024-05-18
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (WA)

I recieved an American Express XXXX XXXX XXXX from my Employer for completing a reward program in regards to healthcare and was awarded a {$100.00} virtual gift card. Unfortunately after almost XXXX attempts to use the card. I am at a loss and would like to file a formal complaint and be compensated for my efforts and receive my reward.
Consumer complaint received 2024-07-18
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (FL)

Bridgecrest polices have no effect over my rights as a consumer I have exercised my rights and by law I can opt out of any reporting at any time. This will be a continuing of Civil liability for negligent noncompliance and a violation of the privacy act of Privacy Act of 1974 ( 5 U.S. Code 552a ) as well as 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. Bridgecrest did not follow the proper notices in accordance with 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods. Section ( a ) ( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form together with the opt out notice that, in the case of financial institutions described in 1016.3 ( l ) ( 3 ) of this part, includes the address to which the form should be mailed ; I as a consumer have rights that are protected by this laws and Bridgecrest DID NOT follow the proper notices as forms where omitted. And the fact that I have sent in my own letter for notice to opt out but Bridgecrest continues to violate my privacy. Bridgecrest has no leg to stand on to continue to report without my consent. I will not stop until this matter is handled XXXX and a claim will be filed if this continues. I demand immediately that this account be removed from my report. I have that right and Bridgecrest no longer has the right nor any policy to use against my rights for there negligence. Federal questioning will come into play for this along with securities and commodities, and to insure that a forensic audit by a series XXXX with a screenshot from the XXXX XXXX  being completed
Consumer complaint received 2023-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (MS)

This debt is fraudulent. It is due to identity theft. I have no information about this. I have contacted the collection agency located in XXXX, FL, via certified letter, informing them that this debt is a result of identity theft. I have also contacted XXXX and XXXX regarding this fraudulent debt. All the information I have on this company was provided by the aforementioned credit reporting agencies. I have not pulled my credit report from XXXX yet. According to XXXX this debt was reported XX/XX/2017 in the amount of {$4900.00}. It was written off/closed some time thereafter. I will absolutely not pay this debt. I did not open the account with the original creditor and I most certainly will not pay some collection agency in Florida. I will never pay this fraudulent debt. Not under any circumstances.
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Please see ATTACHMENTS including the FULL Federal Trade Commission Identity Theft Report, Report Number - XXXX. I am a XXXX XXXX lawfully protected consumer and deserve humane trearment. I AM NOT submitting this complaint IN ERROR NOR am I submitting this claim based on MATERIAL MISREPRESENTATION.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (NC)

I have contacted Westlake financial many times requesting a XXXX statement balance letter to provide to the credit bill to have my report updated. I never received any of their emails or letters with the requested information. They refused to provide a settlement letter. They also refuse to update my credit to reflect, the correct account balance which is XXXX dollars as this account was settled in full in the amount of {$630.00} made on XX/XX/2024.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

My Checking Account overdrawn and they charge me {$35.00} 5 times. or {$170.00} for and overdraft of {$750.00}. 
They are now charging per transaction so they can charge 25 % of the overdrawn amount for covering the overdraft for 3 days. This is predatory lending. I had a {$21.00} transaction and they charge me {$35.00} for it in the very same overdraft cycle of 3 days. 

Wells Fargo XXXX # XXXX Wells Fargo Call # XXXX
Consumer complaint received 2024-07-10
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (VT)

West Lake financial keeps calling me constantly about my XXXX loan but the XXXX they leased me had a twisted rear end and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had insurance on the vehicle. At that time they were surrendering the XXXX when it was current but they never kept up there deal instead they waited for My account to get behind and now are r Repossesing the XXXX and I now don't have a car or new Loan from them to get a car replaced because my credit is taking a bad dip. They won't take XXXX XXXX off the loan when i asked them to.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

I am unable to unfreeze my credit report from Equifax using their website. An error message is displayed saying, " We are temporarily unable to retrieve the status of your security freeze. Please try again later. '' I need to have my credit report made available to lenders.
Consumer complaint received 2024-07-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NJ)

I opened an account with Marcus by Goldman Sachs online bank through a link from my brother so we both got a higher interest rate on savings accounts for a period of time. I linked 5 of my savings accounts with Lakeland Bank to 5 accounts with Marcus and transferred a total of {$28000.00} between the XXXX accounts. In XXXX I received an email that something was changed with my Marcus account, but I knew I had not logged in and done anything in some time, so I logged in to find a message that I was temporarily locked out of my account. I called Marcus and was told my accounts were closed, they could not tell me why, and my money would be transferred back to where it came from within XXXX business days or a check would be mailed to me. I never received the money so when I called after the XXXX business days, they told me it was still being reviewed. At the end of XXXX I received statements for each account showing interest received. At the end of XXXX I received statements for each account showing interest received and then letters for each account saying my accounts were closed, but still no money was returned to me. They tried to tell me in a XXXX way call with my bank that I needed to recall the funds. I have been told each time I call either that the money will be transferred back to me or that they are opening a case and I will receive a call from Marcus and neither ever happens. On XX/XX/XXXX, I was told they will not speak to me or answer any questions about my accounts or money.
Consumer complaint received 2024-05-09
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JDJ Investments, INC. (LA)

The name of the account is XXXX XXXX this is the original debt collector and they sold it to CBS collections without consent. This account stated that it was open XX/XX/2019 for {$6900.00} owed. The actions that were taken was myself disputing on several occasions and written letters to the company and the bureau.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. Other violations of my rights include violations of 15 usc 1681 section 602a, 15 usc 1681 section 602a, 15 usc 1681 section 604a section 2, 15 usc 1681s-2 a 1, 15 usc 1681c a 5, 15 usc 1681 section 604 & 602. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete these accounts