davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (GA)

i have been trying to help my wife get in to her bank account where see gets a ssa payment this all started on XX/XX/2021 and we have done everything they have asked for to do and still noting, my wife went all out and gave me power of attorney so we sent all that in like they asked us to do and we get nothing in return
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

This account was charged off on the following date ( XX/XX/2019 ) Since then the account has repeatedly been updated as charged off. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Account name XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (WI)

Auto debt was not completed. As such, the payment was deemed delinquent. 

Switched payment method to manual to avoid the aforementioned issue. Now, the " Amount Due '' this month remains unchanged after multiple payments ( equal to and greater than the balance ) have been submitted and processed. 

Specifically, Nelnet listed a monthly amount of {$310.00} due by XX/XX/2023. 
Payments have been submitted as follows : XXXX : Paid and processed {$310.00} - Amount due remains {$310.00} XXXX : Paid and processed an additional {$310.00} - Amount due remains {$310.00} XXXX : Paid and processing an additional {$310.00} - Amount due now {$880.00} I have paid XXXX the original amount for this month. However, the amount I owe has neither zeroed nor decreased. Rather, it has increased. 

Nelnet has been unreachable by phone and email.
Consumer complaint received 2017-05-04
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank of America,  N.A., Fraudulent collection and foreclosure practices on secured property. BANK OF AMERICA HA S NO LEGAL STANDING AS THE LOAN WAS WENT COUNTRY WIDE HOME LOANS and PAID OFF.     In a hasten attempt to remove liability, with letter dated  XXXX   XXXX ,    2017, B ank of America has purportedly transferred an allege account via Media, Wire or Federal Mail System to   XXXX   XXXX   XXXX   XXXX   to prevent liability.     In addition, hired a Third-Party Attorney ESQ, Without Standing / Interest and without first-hand knowledge named  XXXX   XXXX , "  XXXX   XXXX  now enjoined with Bank of America,  N.A.  at  XXXX  Email :  XXXX  XXXX  XXXX  on  XXXX   XXXX ,  2017    committed Trespass on Secured property under perfected interest and filing #  XXXX  and  XXXX , and  XXXX  associated with  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  WA  XXXX . In conjunction with no real presentment of the Original Note but in fact alleged copies of a Note.     A  Request is  now being made to meet to review said Original Documents f rom Country-Wide Home l oans that was not sold.     In pursuant to now possible Securities fraud etc. per information obtained from  XXXX   XXXX   ESQ.      DUE NOTICE IS HEREBY GIVEN, There is now a claim for COPYRIGHTS Infringement validations from  XXXX   XXXX  enjoined with  XXXX   XXXX  enjoined with Bank of America N.A. who has sent multiple letters based on this CFPB report. Each violation brings at a minimum  500.000.00  per incident/violation. All methods to protect Secured interest is now in effect due to "   Trespass '' pursuant to Uniform Commercial Code.
Request in person meeting here in Washington State   with Bank of America and its held liable agents with affidavit all documents that were allegedly not filed such as " any ''  1009 e tc. and first hand knowledge.     This is an attempt to resolve through clarity of appropriate documentation.
Consumer complaint received 2023-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Kindly examine the attached documents, and I urge the bureau to initiate an investigation into these accounts, as I have never been behind on payments, but they are incorrectly indicating that I am late.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MN)

Violation of my rights 15 USC 1681 Over the course of 3 months i have sent sveral letters to the reporting agency to investigate and remove these negative items on my credit report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items are erroneously being reported, i have pointed out these erros over multiple letters to them, but they refused to remove these items, The reporting agency can not verified these items as required by FCRA Laws 15 USC 1681, there process of verification of this item is adequate and incomplete therefore As per FCRA Laws- 15 USC 1681, credit reporting should be accurate and correct, therefore i belive my rights are being violated.
Consumer complaint received 2023-11-19
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: Incomm Holdings Inc. (TX)

This card was gifted to me by my employer. When I opened the card the last half of the card numbers were scratched off the front of the card. I tried to use the card in store but the card is declined because the mag strip on the card does not work and the card reader does not pick up the card when swiped. I can not use the card online because I do not have the missing card numbers. I can not even check the card balance online due to the missing numbers. I contacted the card company Vanilla Gift Cards and told them about the issue. The representative asked me to send in personal information such as photo copies of my ID cards home address etc. I find it hard to send this sensitive information to this company when there is a history of fraud. I also told the representative I have a copy of the receipt when the card was purchased and would have no problem sending that along with copies of the card to them for proof of purchase. The representative told me there would be a case opened to investigate but it was unlikely this issue would be resolved. So I now have a {$150.00} gift card that can not be used.
Consumer complaint received 2023-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Please remove this account because this is not mine and i'm so disappointed with these happening on my credit report. I want the company to remove this as I start a new chapter of my life but because of this unknown account in my credit report i'm not able to do so.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

This account was charged off on the following date ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Account name XXXX XXXX  Account number XXXX
Consumer complaint received 2023-11-20
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Ria Envia, LLC ()

Good Morning, on the XXXX of XXXX i transferred {$800.00} to a XXXX account in New York. THe account was provided to us by XXXX XXXX and a contract number XXXX was provided by XXXX XXXX. My XXXX XXXX account confirmed the transfer as well as XXXX confirming funds were received on the XXXX of XXXX. 
Despite this no money was transferred and I am continually receiving emails stating the funds have not been received despite confirmation from XXXX in an email that they have been received and that I should receive the wire transfer to my XXXX Account shortly. 
Multiple calls and conversations with XXXX XXXX can now no longer account for the funds. All conversations with them indicate that they will look into it however there has been no response other than that. 
Today on the XXXX of XXXX i contact XXXX to now be told that they dont have the funds despite confirmation that they have and that i have to take a screen shot of my bank details and send it to them as proof of payment. Obviously this is concerning as they have already confirmed they have received the funds. The funds have now not been paid as per their email and they can not locate them despite the contract number included on the referenced bank transaction. The money can not be accounted for so i am assuming there is fraud involved. Could you please help with this company?
Consumer complaint received 2017-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Aspen National Financial, Inc. (PA)

Aspen National Collections  (   XXXX   XXXX ,  Manage  r )  sent collection letters on  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX , I disputed on  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  by fax. 8 months later on  XXXX / XXXX / XXXX , Aspen reported to    XXXX   {$2200.00}  ( ori ginal creditor :  XXXX   XXXX  {$1600.00} plus {$570.00}  Aspen  fees 35 % of original balance ). I disputed to  Aspen an d   XXXX   on  XXXX / XXXX / XXXX , requesting to remove collection from  XXXX .  Aspen r efused to remove, I disputed again on  XXXX / XXXX / XXXX . On  XXXX / XXXX / XXXX ,  XXXX   XXXX  at Aspen sent me a letter stating his " client has no access to the contract you signed '' ; therefore, he is unable to prove he can charge collection fees in the amount of 35 % which is a violation of the FDCPA. Aspen is unable to provide payment history regarding statute of limitations because NO payments have been made. I disputed again with Aspen on  XXXX / XXXX / XXXX . Aspen is incorrectly reporting to  XXXX  that this is a new account opened on  XXXX / XXXX / XXXX  and incorrect original balance of {$2200.00} ( original creditor alleges balance due is {$1600.00} on  XXXX / XXXX / XXXX  ). I dispute debt in its entirety ; however,  Aspen  is intentionally reporting incorrect balance due, incorrect original date of debt and can not provide Contract to prove they are allowed to charge excessive collection fees of 35 %. I discovered that  Aspen  incorrectly reported to  XXXX  when I was checking my score to get an auto loan. Because of Aspen, my score has dropped drastically.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

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. 

XXXX XXXX Account # 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 15 U.S.C 1981 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 an account without 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-21 ( 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 2023-11-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (FL)

I've encountered persistent denials in my attempts to open various accounts, spanning brokerage, checking, and savings accounts. The rejections are causing frustration, particularly because Wells Fargo has consistently canceled or closed my accounts based on an incident that occurred a few years ago. I want to emphasize that I have been wrongly accused in this matter, and it's crucial to rectify this situation promptly, as it's affecting my ability to establish and maintain financial accounts. I am actively working to address the underlying issues causing these denials and believe that resolving the misunderstanding regarding the Wells Fargo incident is a key step in finding a fair resolution to this ongoing problem
Consumer complaint received 2023-09-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank of America said to call the XXXX XXXX XXXX XXXX firm about Legal Order Fee, XXXX XXXX XX/XX/2023 {$86.00} {$1.00} {$2.00} {$7.00} {$2.00} {$7.00} Bank of America is taking " fees '' without my consent. 
Bank of America said they would not return the fees and would not help me understand what the fees were from.
Consumer complaint received 2023-11-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc. (CA)

My loan was Modified with XXXX XXXX XXXX in XX/XX/XXXX. The payments were made on time for the correct amount each month through XXXX of XXXX. The Servicing had changed in XXXX of XXXX, when Community was taken over by Nationstar, Nationstar began servicing it under a division of theirs by the name of Right Path. Right Path received but failed to credit me for XXXX and XX/XX/XXXX. In addition, they refused all future payments from me, on the grounds that the account was over XXXX behind in payments when they received the account. I was given a number of different explanations why the account was in default when all the payments were in fact made, and the evidence presented. The first was that there was no modification. When that claim was successfully challenged, the next explanation was that my taxes were XXXX per month and depleted the escrow account. When that claim was shown to have no factual basis, and that the tax and insurance expenses had been within the budget of the escrow as structured at the start of the modification, Right Path entirely ignored this fact. They refuse to tell me how each of my payments was applied under XXXX XXXX XXXX, insisting they do not have access to that data. And yet, they continue to state the same non existent escrow expenses as cause for the default upon which they refused to take my payments, ( and in doing so, created a path to foreclosure. ) And they keep restating this in spite of the fact that it is patently false. The deplorable state of accounting history for the loan is such a red flag of reckless foreclosure, I will be surprised if it doesn't demand an explanation. I will attach it.
Consumer complaint received 2023-11-20
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: EQUIFAX, INC. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$3200.00} XXXX XXXXXXXX Balance : {$9300.00}
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

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 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 2023-11-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

On the morning of XX/XX/XXXX, I received an official email from Chase bank stating that " to prevent potential fraud, we have restricted your account and may close it soon. '' I tried to open my chase app to see what happened, and it said that your account is locked due to unusual activity. I'm not allow to access to my account.

So I called the customer service, they told me that they truely want to tell what happened to me, but the only description on their system is my account is closed by bank decision with no reason. They suggested me to creat a new account in another bank. 
When I asked when can I get my deposite balance, nearly XXXX, they said the bank is still processing the closure. So they don't even know.
Consumer complaint received 2023-12-11
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mendelson Law Firm (TN)

I moved from my previous address of XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX a year ago. Today XX/XX/2023 I received a phone call from a law office of Mendelson Law Firm XXXX informing me that XXXX and company is trying to charge me for a drywall problem, carpet, trash and other miscellaneous issues. First, of all the trash I had a feeling about because I still drove past my old house after I moved and people was putting trash in front of the yard and around the house. Secondly, I call the company after I returned my keys because someone was going into the house and I wanted to let them know. I was staying in that home for XXXX  years and I have asked repeatedly to get new carpet or pull it up and all they did was put new carpet on the stairs. I had to rent carpet cleaning machines to try my best to clean that carpet. The drywall issues came from plumbing issues causing a hole to constantly be in the garage because of the leaking in the bathrooms. I am no longer able to log into the portal so I can show proof of constantly putting tickets in about that issue but I do have a picture and video. I dont get my deposit back for the house because I figured with all the trash out front they would charge me for that. But anything else I am not responsible for and no one tried to contact me before today with this issue. I always paid my rent and never was a bad tenant.
Consumer complaint received 2023-11-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CA)

I have mailed multiple acceptable payments in accordance with the Federal Reserve Act Section 16 to Chase with proof of certified delivery to the address provided on the back of the Billing Statement. Chase is declining these payments which is in direct violation of UCC 3-306. I have asked to have the payment coupons sent back as proof that they are not being cashed, and nothing has been sent back. I have the certified mail proof that these payments were delivered and signed for.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

PLEASE REMOVE THESE INQUIRIES 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 2017-05-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Oracle Financial Group LLC. (TX)

On today,   XXXX   XXXX   XXXX     I received a call at  XXXX  to my cell phone and  XXXX  to my work phone by someone stating they were  XXXX   XXXX   XXXX  He did not provide a company name or any information as to the nature of the call. He stated he had my name and SS # and I could reference number  XXXX . He stated that he had been " retained '' and my information has been " presented '' in his office. He threated to come to my residence or place of employment to " gather information ''. Since a company name or reason for the call was not provided, I searched for the  XXXX  number left in the message and it matched to  Oracle Financial Group LLP  ; a debt collection agency. At no point in the message was it stated that the call was in relation to an attempt to collect a debt and the call is originating from an " Unknown '' number. It should also be noted that I have not received anything in writing from this agency in regards to the nature of their business with me.
Consumer complaint received 2024-06-05
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (MA)

I applied to open a credit card with Wells Fargo due to an advertisement with their partner, XXXX. I contacted Wells Fargo to close the account by phone call later that day, because the partner did not offer the services advertised, and I was not notified of XXXX not providing the offered services until I had already opened the credit card. When I contacted Wells Fargo, they refused to close the account because it was too new, and they needed 5-7 business days before they were willing to close the account. They refused to close the account when they were first able to, and instead insisted that I call back and close the account, rather than them closing the now unauthorized account. Their customer service was belligerent and rude after XXXX escalations, and refused to close the account.