davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (MD)

There are two separate incidents, but both involve the Bank 's refusal to credit my debit card for services that were never received. 

The first is with a company named XXXX XXXX. In XX/XX/XXXX and XX/XX/XXXX, I paid XXXX two payments, one of {$460.00} and one of {$430.00}. For this, XXXX  was to republish a book that I had written, build a website, provide me with the login information to manage the website, create and produce a book trailer, and do other advertisements to promote the book. The only thing XXXX did was create a website. They did not give me the information so I can log in myself. They did not publish the book -- it is nowhere to be found on XXXX or any other platform. They did not create the book trailer. I sent numerous email asking about all of the things I paid for and they apologized and stated they would do it. They never did. I requested a refund and then they went away. 

I filled out a dispute with Navy Federal Credit Union. This was more of a nightmare than dealing with XXXX. On three separate occasions, Navy acknowledged receipt of all my supporting documents, then shortly after closed the dispute for failing to receive the requested documents. Each time this would happen, I would call and let them know of the exact date the items were sent. They would research and then apologize and then reopen the dispute. Finally, on XX/XX/XXXX, they closed the dispute saying " we found no error occurred '' and " you were charged for the amount you owed after receiving merchandise or a service. '' This is obviously not the case. I received nothing, but an inaccessible website. 

The other incident is with XXXX XXXX and this is even more egregious. I was in XXXX with my fiance. We purchased what we thought was a great vacation package. We soon discovered we were scammed. The package cost {$6000.00}. I paid {$2000.00} with my Navy Federal Credit Union Card and my fiance paid {$4000.00} with her XXXX XXXX XXXX card. As soon as we arrived back to the United States, we attempted to use the package and discovered we could not. We literally received nothing. 

As with XXXX, I filed a dispute. As with XXXX, the dispute for this transaction was open, closed, open, closed, open, and then closed again. Finally, on XX/XX/XXXX, I received the last notification that the dispute was closed " a notice was sent requesting additional information ... .but it was not received. '' I literally sent them everything three times. 

I feel that Navy wants me to sue them. I asked for a copy of the investigation which convinces them that services were received. They have failed to provide anything to me. I am requesting that Navy refund the {$2000.00} from XXXX XXXX and the {$460.00} + {$430.00} from XXXX.
Consumer complaint received 2022-04-18
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: Experian Information Solutions Inc. (TX)

I have been a victim of identity theft and I have a lot of accounts on my report that do not belong to me and its taking the bureaus more than 30 days to remove the accounts. The accounts are not accurate and do not belong to me. No one is submitting this on my behalf. It is I, XXXX XXXX
Consumer complaint received 2021-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp. (MD)

First received a email from a XXXX XXXX XXXX named TrueAccord saying that I owe XXXX XXXX ( which I retired from in 2004 XXXX {$86.00} that was reported not paid on charge card. 
So I called XXXX 's and talk with the Credit Customer Service and was told that bill was paid off so, I had the sent me a email stating that fact. But keep getting threatening emails. From them with a phone number XXXX
Consumer complaint received 2021-06-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc. (MN)

On XX/XX/XXXX at XXXX XXXX, Synerprise Consulting Services called my phone number and asked me to pay {$2000.00} in medical debt. They claimed I had a service on XX/XX/XXXX and owed money. They were very stern and didn't provide a lot of information. When I asked what this was for, they could only tell me that I had debt from XXXX XXXX. I asked for their callback number. 

On XX/XX/XXXX at XXXX XXXX, I called Synerprise Consulting Services and asked what name was associated with my phone number. They told me it was my name, but it was not associated with my birthdate. Therefore, they said they had the wrong person. I asked how they obtained my phone number since the debt and services were not associated with me, and they said a third party service provided the number. It seems like it should be illegal for Synerprise to query a list of names and get phone numbers. The phone number should come from the medical provider of the original services.
Consumer complaint received 2022-04-18
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: Experian Information Solutions Inc. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies Experian, XXXX and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2022-10-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

On XX/XX/2022, a freeze was placed on my business account, at the time XXXX was in the account. I agreed to settle the amount of XXXX to be taking from the account, signed the release from the attorney office, to release the freeze from my account, Bank of America has yet to release my account. I also received an email from the attorneys office with the amount of XXXX that was owed, in a settlement agreement. Bank of America placed a hold for XXXX, which is not the amount that was told to them. I spoke with XXXX from XXXX XXXX XXXX the attorney office which placed a freeze, she stated that is not the amount that she called in for, it was XXXX. So I feel Bank of America is placing an illegal hold amount on my account, and has not released my account, after receiving the release from XXXX & XXXX. XXXX sent on XX/XX/2022.
Consumer complaint received 2021-06-22
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Genesis Lending (FL)

XXXX XXXX from XXXX XXXX XXXX XXXX XXXX Called my phone to speak to someone else. When hung up on she called my phone back to call me names and uneducated and try to lecture or guilt me into feeling bad for hanging up, and would not let me speak to a supervisor. I have asked this company numerous times to STOP calling me or it would be harassment, I am not even the person they are looking for yet they still call daily. Also when they call they do not say who they are and why they are calling they just ask for the person. They do not identify themselves at all.
Consumer complaint received 2023-05-09
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: Experian Information Solutions Inc. (VA)

I discovered that some of the information on my credit report was inaccurate after looking into it. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the 3credit bureaus must verify the items. ( A ). If no proof is provided within the legal time frame, the reporting items can not be treated as unconfirmed information. 
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 2021-06-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2021, I came to my place of residence to a notice taped to the outside of the entry door for public display, I received a call from my neighbor while at work stating that there was a collection notice from JPMorgan Chase bank Suing me for the sum of {$18000.00}. They stated on this notice it was an attempt to collect a debt. Which is a violation of 12 USC 1431. This company has never validated any debt with this creditor. They are also in violation of 15 USC 1692g I am disputing this claim and I am requesting that they validate that I owe this debt. This is not a refusal to pay them. 

They filed this with XXXX county ( as per this letter, on XX/XX/2021 ) but its dated XXXX XXXX. This was not received in a timely manner for me to respond. XXXX XXXX of XXXX, XXXX, XXXX XXXX XXXX XXXX are the attorneys for Chase bank and they have no authority to attempt to collect on this allege debt. They have negatively impacted my credit data and this misleading and false reporting. I am seeking litigation in regards to this matter. They have not provided this creditor with a court date to respond.
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MONEY SOURCE, INC., THE (CO)

The Money Source became our new lender after processing through XXXX. On XX/XX/XXXX ( we received XX/XX/XXXX ), we received a Goodbye Letter with XXXX and The Money Source sharing the letter head indicating that XXXX XXXX XXXX purchased our newly refinanced mortgage from The Money Source ( XXXX ). XXXX, in the Goodbye Letter, did not accurate indicate our new mortgage account number and also inaccurately represented the due date of the new mortgage with our new mortgage company. I had to research the correct number with XXXX and ensure that our first payment with them was on time. 

During this process, The Money Source AND XXXX XXXX XXXX BOTH reported an active mortgage to XXXX, XXXX, and XXXX. We have ( my husband XXXX XXXX XXXX and I, XXXX XXXX XXXX ), in effect, a gross discrepancy, an egregious financial reporting error, of {$220000.00} in a mortgage which no longer exists, and a monthly payment which no longer exists. 

XXXX XXXX XXXX closed on the sale of our mortgage FROM The Money Source on XX/XX/2021. Today is XX/XX/2021. After filing disputes with all three credit reporting agencies, today we STILL have duplicate trade lines, and The Money Source, after at least 5 emails and phone calls, HAS NOT CORRECTED the mistake. I'm a small business which needs a lines of credit and working capital. My credit rating plunged 100 points because of this error. It has partially but not wholly recovered. It was WELL OVER XXXX points ; it remains from XXXX to XXXX. Unacceptable.
Consumer complaint received 2021-06-22
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings (CA)

A man by XXXX XXXX emailed me form this e-mail ( XXXX ) Dear Customer, This is the last and final notification as we are going to proceed with the legal charges against you and you will be soon served with the court papers. If you really want to avoid the situation, we merely require you to contact us back to resolve the matter. 

Just in case we do not hear back from you within 48 hours, we will proceed further with the charges and we have the entire right to inform your employer about the situation, garnish your wages and freeze all your bank accounts. 

For any queries feel free to revert back. 

Manager Legal Department Collection Department Speedy Cash This is the initial email. I then replied that I have no such debt for I have not gotten a loan from the above company " Speedy Cash. '' And they continued to respond with a claim of a payday loan I never got or recieved. 

Dear Customer, We are representing Speedy Cash A Parental payday Loan company which owns and operates more than 350 online cash websites. 

Loan Amount : {$400.00} Total Outstanding Balance ( Due Amount ) : {$1500.00} ( Including Late Fee, Penalty, Affidavit Charges and Rate of Interest Charges. ) One Time Settlement Offer : 1 : {$500.00} ( if paid Today ). 

2 : {$800.00} ( If Paid Within This Week ) 3 : {$200.00} ( Biweekly Starting by today ) Consequences ( Further Legal Steps ) : 1 : Lawsuit Filed Under Several Sections. 

2 : Your Employer Will Be Informed.

3 : Credit Bureaus Will Be Notified So That It Could Be Reported To Your Credit.

4 : References Will Be Informed.

5 : A Day in Court. 

6 : Garnishment of Your Paycheck.

Mode of Payment ( If Settling Out Of Court Using One Time Settlement Offer ) : 1. XXXX XXXX XXXX XXXX Debit Card. 




Let us know whether you opt for one time settlement or payment arrangement for the whole amount so that the account can be updated. 

Since this loan account is very past due so we would appreciate it if you give this matter your earliest attention as this account has to be updated on an urgent basis to avoid legal action. 

For any queries or concerns, you can contact us. 

Regards. 

Manager. 

Speedy Cash. 

I then repeated that I have no loan of they type.
Consumer complaint received 2021-06-22
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. (FL)

I'd like you to remove some information from my credit report because I do not recognize these accounts. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine
Consumer complaint received 2021-06-22
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. (FL)

I'd like you to remove some information from my credit report because I do not recognize these accounts. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine
Consumer complaint received 2021-06-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC (IL)

Hello, I have PMI on my property. I have a loan on my home of under XXXX and an appraised value of the property between the ranges of XXXX to XXXX. The LTV of the property is roughly 70 %. Per the Homeowners Protection Act, I should be able to remove PMI from my property at this current rate. 

I applied for removal of PMI on XX/XX/XXXX. I followed up on XX/XX/XXXX and was told that the PMI can not be removed from the property since it is based upon the initial principal amount and not the equity in the property. This is in direct conflict of what the Homeowners Protection Act sates. Private mortgage insurance must be automatically terminated for homeowners who accumulate the required amount of equity in their home. 

I have attached the initial assessed value of the property.
Consumer complaint received 2021-06-22
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: Chime Financial Inc (TX)

On XX/XX/21, I electronically field a disputes to the credit reporting agencies regarding inaccuracy and incompleteness of my record files reported by XXXX/Stride Bank. In response to my dispute, the CRA 's electronically sent a complete copy of my record file to Chime and codified the inaccuracies and incompleteness of the information. Besides the codified dispute, Chime also received a free-form text description of the information that needed to be corrected or updated as provided to me in the electronic dispute. Upon receipt of the disputes, Chime violated 15 U.S. Code section 1681s2 ( b ) by failing to review all relevant information provided, failing to modify the information reported, and failing to report the results of the investigation to results to all other consumer reporting agencies. Upon receipt of the results of the investigations and the resultantly updated reports, on XX/XX/21, I contacted the Furnisher of Information and advised that the certifications of the accuracy and completeness of the information were in error and their updated file records included nearly 30 errors combined as shown in this complaint 's annotated attachment. On XX/XX/21, I received an email from Chime that my dispute had been processed. As you can see from the attachment, errors still exist on all three reports. Either Chime deliberately misreported information known to be inaccurate or incomplete and therefore violated 15 U.S. Code section 1681s2 ( a ) ( 1 ), or all three CRA 's simultaneously misreported the information and Chime failed to establish reasonable policies and procedures for implementing the guidelines for how to ensure the information they furnish the CRA 's is accurate.
Consumer complaint received 2023-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC. (NY)

I was added to my sister 's bank account last year. I provided my social security number and proof of residence. 

I received a letter on XX/XX/XXXX that stated that I had to complete a Banking relationship questionnaire before XX/XX/XXXX to avoid closing of the account. The letter stated that the preferred method to complete this questionnaire was online ( by creating an account ), I could also call the XXXX XXXX branch at XXXX OR go to the nearest location in person. 

I am living in South Carolina temporarily, so I tried enrolling for online services but the system did not recognize my information. on XX/XX/XXXX, I called the local branch, I explained I needed to speak with someone in XXXX  to complete the questionnaire and they told me to wait for the teller. I waited 20 minutes and hang up because no one was answering. I called back and they told me I had to go in person- I explained the letter listed that I could complete the questionnaire by phone. They asked me to call the customer service number. I called the customer service number but then customer service told me to " demand '' an interpreter and that they could not help me answer the questionnaire. I called the branch back and now, no one picked up. 

I called another branch and the representative told me that she did not speak XXXX but even if she did, the questionnaire had to be answered in person or online! - I explained that there was no branch in South Carolina and she said to do it online- after I explained that my account would not be recognized, she asked if I was a permanent resident which I said no. She said- Ah it is because your social security number is not in our records because the bank does not add the social for non-residents. I explained that when I opened the account I provided my social. She said there is nothing she can do and that I would somehow need to find a branch or my account would be closed.
Consumer complaint received 2021-06-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (MT)

i received my statement for my XXXX XXXX store credit card. the statement billed XX/XX/XXXX with a total balance of {$75.00}. On XX/XX/XXXX, I logged on to my online account to pay the balance in full. My new statement billed XX/XX/XXXX and i'm being charge a minimum interest charge of {$2.00} on a {$0.00} balance. When I called to dispute the charge, they informed me it was residual interest and they couldn't reverse the charge. When I log in and click " pay in full '' it should pay in full. I shouldn't be getting surprise interest charges for a balance that was paid in full well before the statement close date.
Consumer complaint received 2021-06-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (NY)

I paid off my Co-Op mortgage loan 15 years earlier than the 30 year term. 
I was suppose to get my stock certificates but was told by mortgage company that the stock certificates could not be found. 
I received an email from the mortgage company stating that the loan was paid in full but that the stock certificates could not be found. It included an affidavit stating that fact and I was to send the affidavit to the co-op board or managing company so that a replacement for my stock certificates could be issued to me. The mortgage company stated that they would refund the cost of the replaced stock certificates. 
After I did as instructed by the email from the mortgage company. I was later told that they did some more investigating and that they never received the stock certificates from The " Custodian of the Stock and lease '' They should have had that information when I paid off my loan in full. 
Because I followed their instructions to send the affidavit email to the co-op board I had to pay the co-op boards lawyer {$600.00} dollars for a lien search in order to get the replacement stock certificates. 
If the mortgage company had been more careful they would have informed me from the beginning that they never received my apartment 's stock certificate and I would have resolved this directly with the co-op board and asked for the original stock certificates that were due me when I took out the mortgage. Now no one wants to take responsibility for the error that was committed when I started the process to get my Co-op apartment. This is not fair. I paid all monies that needed to be paid when I got my apartment. I should not have to lose {$600.00} more dollars for an error that was not my fault. The loan company should have looked into this matter before making me take steps that cost me {$600.00} dollars. Please help me if you can. Thank you.