davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MD)

Unfortunately, I have some very disappointing news to share with you about Shellpoint Mortgage, Despite the fact that I haven't even begun my first payment yet, my loan was transferred on XX/XX/XXXX, from XXXX/NewRez to Shellpoint Mortgage I have been paying on time for 20 years and have never been late. 

I have experienced financial hardship due to the Covid crisis but have been able to pay my mortgage on time. I am considered to be underemployed. 

I wanted to take advantage of RESPA laws for the 60-day grace period to give me time to pay other expenses. My new mortgage company Shellpoint Mortgage unfortunately took the entire payment out of my account. My personal bank information was given to them without my knowledge on XX/XX/XXXX by XXXX XXXX, I spoke with XXXX on several occasions and they never disclosed that the new mortgage company will do this due to the auto bi-weekly program, XXXX told me my last payment would be on XX/XX/XXXX and I need to set up everything with the new company ( I have that voice recorded ) Initially, Shellpoint refused to waive the {$15.00} charge for insufficient funds that I put a request for without fault of my own. After speaking with the Representative at Shellpoint XXXX she informed me they will waive the charge but nothing they can do about extending the payment for XX/XX/XXXX, but my concern I have, that I was told by two Shellpoint Representatives on XX/XX/XXXX that my first monthly payment wouldn't be until XXXX for bi-weekly payments. I called to confirm this information again with another Shellpoint representative on XX/XX/XXXX and both representatives informed me, yes that information is correct the first payment due will be XX/XX/XXXX, I called today XX/XX/XXXX to follow up with the instructions for bi-weekly and discovered that my first payment is due on XXXX tomorrow, this puts me in a bind because I was told by two shell point representative my payment isn't due until XX/XX/XXXX. I initially thought the payment would have been due in XX/XX/XXXX, but after Shellpoint reversed the payment back in and replaced my account, that was the mix-up. Despite communicating with numerous Shellpoint representatives, they failed to catch that error several times. I would like my first mortgage payment to be granted for XX/XX/XXXX with a bi-weekly setup and not full payment by XX/XX/XXXX, due to a shell point representative error. I have these conversations voice recorded and documented. The pain and suffering that I've endured have triggered stress and XXXX within me.
Consumer complaint received 2022-06-01
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. (UT)

I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The Inquiries that I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Balance {$200.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX EXPERIAN COLLECTIONS XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$0.00} 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 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 2022-06-01
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. (UT)

I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The Inquiries that I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

EQUIFAX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Balance {$200.00} INQUIRIES : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$0.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-06-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: ACI Worldwide, Corp. (OR)

On XX/XX/2022 I used ACI Payments to pay the IRS. In their terms and conditions they attempt to require arbitration and claim to provide a means of opting out by dialing a specific phone number ( XXXX ). When I attempted to dial this phone number there were no options to opt out of arbitration, and no ability to speak to a live person. 

I filed a complaint with my state 's Department of Justice, which was forwarded to the CFPB as complaint # XXXX. I later received a phone call on XX/XX/2022 from somebody claiming to represent ACI Payments, promising to send me confirmation of my successfully completed opt out. As of the date of my filing this complaint ( XX/XX/2022 ), I have received no written confirmation, nor any further contact from ACI Payments. I have no way to prove that I have refused to waive my right to a trial by jury or judge in court and my right to participate in a class action. 

I have two issues with this situation : - I did not receive any written confirmation that I have opted out of ACI Payments ' attempt at forced arbitration, even after my complaint was escalated to the CFPB and I received a phone call from ACI Payments promising that I would receive confirmation. 

- ACI Payments ' arbitration opt-out process as outlined in their terms and conditions does not appear to work, and provides the person opting out with no means of having a written record of their having done so. This is certainly convenient for ACI Payments, but not so much for consumers.
Consumer complaint received 2022-12-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (VA)

I had an issue with American Express Serve and Bluebird closing my accounts, they agreed to sent me checks for the remaining balances of {$140.00}. Its been over 50 days and I still havent received the checks. They sent the checks to an old address even after I sent them two letters demanding payment with my new address in the top left hand corner. There customer service phone number is a joke and mailing to a XXXX XXXX is the only option to communicate with them. If this doesnt get resolved I will be filing a Federal Class Action Lawsuit on behalf of all Serve and Bluebird past and current customers
Consumer complaint received 2024-03-19
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: EQUIFAX, INC. (MA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Acct # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP (AZ)

On XX/XX/22 I received a notification from XXXX XXXX that a new hard inquiry was submitted to my XXXX Credit Report from US Bank with a phone number of XXXX. The inquiry was dated XX/XX/22. To my knowledge I do not have any new applications for credit in process, nor have I specifically authorized US Bank to do any credit inquires. 

I called US Bank and they said they had no record of the inquiry and no accounts on file. Since I had identify fraud two years ago ( US Bank was one of the lenders ) I contact XXXX and froze my credit. They indicated that US Bank did the inquiry per Permissible Purpose ( Section 604 15 U.S.C. 1681b ) but they have no details. Is US Bank obligation to disclose what the permissible purpose is? 

I did receive a settlement check and a letter from US Bank dated XX/XX/22 for as settlement I was not aware of. See FTC vs AMG XXXX. 

It would seem odd for them to run any inquires after checks have been issued. 

Please advise.
Consumer complaint received 2022-06-01
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Acct # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-02-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CT)

A fifth mediation request was denied, a letter was received on XX/XX/XXXX stating it was denied and referred to a check which was intercepted, cashed by a third party. This check appears to be a settlement offer made by XXXX XXXX to me in XXXX, XXXX. The offer amount, {$3700.00} was accepted pre-mediation, I later learned the offer was low-balled after speaking with several current and former Wells Fargo customers with lesser damages than myself. Since no payment was received, I've sent in additional mediation request forms and was recently contact by XXXX in mediation ... We spoke on XXXX, XXXX denied the offer was low-balled and did not offer any proof showing so, he also denied two additional facts which include the check forged and sustained damages including unable to open accounts with other banks due to information reported by Wells Fargo. A letter received that same day, XXXX, states information was removed from XXXX XXXX XXXX which was supposed to have been removed prior. As for the signature on intercepted check, XXXX attempted to state it is mine even though he is not a handwriting expert then contradicted himself stating I signed and cashed it into a Wells Fargo account ... The last account was closed with Wells Fargo in XXXX or XXXX, I believe. Second, I have not had an account with any bank since and have been using pre-paid accounts. Third, the limit for a check deposit with my current pre-paid account is {$2500.00}. The amount of check including estimated IRS taxes is {$5100.00}, I believe. Needless to say, it is impossible for me to deposit it. Wells Fargo rep by the name of XXXX XXXX was replying via CFPB portal and it appears another rep is now replying and still using a general form reply. This form reply states numerous attempts at resolution made, exhausted all efforts which is a lie. Neither rep has detailed one such attempt such as reaching out via phone, email, or otherwise ... I can assure the CFPB and any other third party Wells Fargo has made no attempts whatsoever. I have called their executive phone bank numerous times, reps attempt to refer me to one of the settlement sites in which case has nothing to do with Wells Fargo mediation program and is a run-around. It appears they are not at all familiar with mediation program and will not assist me by forwarding my information to someone who can. Since no payment was received and check appears intercepted by another party, signature forged, I request Wells Fargo remove information reported to IRS as I did not receive funds from check. Also, I need a mailing address to send notice of small claims suit since mediation request was denied.
Consumer complaint received 2022-06-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

I was utilizing the XXXX feature that my bank, CHASE, has provided ; and they CLOSED my account shortly afterwards. I received a XXXX payment of {$800.00} WITH NO PROBLEM. I then utilized the XXXX feature again to send some of the money, {$790.00}, but They blocked my account and restricted me from accessing my money. 

Keep in mind that this happened on the XXXX of XXXX, and my rent is due on the first of XXXX! How am I supposed to pay my bills when they just up and closed my account with NO EXPLANATION. I have 0 access to my money! 


They would not tell me the reason for closing my account after I asked! I have been a client of theirs for XXXX  years and they treated me like this! 

They didnt show any type of concern and treated me like I was scum at the bottom of their shoe. I NEED TO PAY MY BILLS. I am a taxpayer and I am ENTITLED to my money just as the next person! 


The lady said it will take a month for me to receive my money in check form in the mail. NOT ACCEPTABLE.
Consumer complaint received 2022-06-01
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: Experian Information Solutions Inc. (MS)

I did not consent to, authorize, nor benefit from any of the following inquires. Block and remove them. 
1.XXXX XXXX  XX/XX/2020 2.XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX  XX/XX/2020 2020
Consumer complaint received 2024-06-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

NAVIENT. This is in regard to my recent complaint filed with CFPB. I do not wish to close the complaint ; rather, I would like to submit the reply below : _________________________________ That is not the point. Navient/Sallie Mae is responsible for mishandling this FFELP loan which resulted in 1 ) losing the loan 's insured status and 2 ) preventing the loan from being consolidated with the rest of my government loans and being forgiven via PSLF. This is no fault of the student who signed for the loan ( i.e., myself ). It is entirely the fault of Navient, which committed negligence in mishandling the loan, which caused the government to un-insure the loan. The point is : Therefore, Navient must take responsibility for its negligence, and cancel this loan. I am calling on the federal government to cancel this FFELP loan, for the reasons stated. Separately, I am requesting that Navient take responsibility for its actions and now proceed to cancel this FFELP loan.
Consumer complaint received 2022-06-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit repoRT and. Unauthorized use of my credit report I demand deletion of the items and information plus I demand monetary compensation.
Consumer complaint received 2022-06-01
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: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX Acct # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-04-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION (PA)

I have a checking account with M & T bank and I wanted to close it. However, the bank refuses to close the account due to a minimal balance of only XXXX XXXX. I requested them to send me a check and close the account, but they declined, which is not a common practice among most banks when there is any balance remaining.
Consumer complaint received 2022-06-01
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. (PA)

It is a fraudulent account on my credit, XXXX is the original creditor from XXXX XXXX XXXX. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Consumer complaint received 2022-06-01
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. (PA)

It is a fraudulent account on my credit, XXXX is the original creditor from XXXX XXXX XXXX. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Consumer complaint received 2022-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  XXXX Acct # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-01
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 the Fair Debt Reporting Act. 

XXXX XXXX XXXXXXXX account # XXXX has violated my rights. 

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

15 U.S.C 1681 604 A Section 2 : Also states A consumerreporting agency can not furnish a account without my written instruction.

15 U.S.C 1692e Section 8 : Updating without showing disputed.
Consumer complaint received 2022-12-17
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

I asked experian to validate and verify my signature or letter of consent to have these inquiries done and none was produced. I would like the inquiries originally name in my original complaint deleted.