davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

My husband died XX/XX/XXXX before he died did filed a BK chapter XXXX on our home I am not on the finance part of my home only on the deed Is in my name waiting to get my husband retirement money so I do not qualify to put the finance part of the home so with COVID-19 I had a part time job but lost during this time I called Chase Bank To ask if I qualify for the Forbearance program for the three months to be put on the end of the loan They told me I did qualify for the program and they put me in the Forbearance and in XX/XX/XXXX they sold my loan to XXXX XXXX XXXX XXXX XXXX XXXX and on XXXX I paid the first payment to XXXX and then ask then if I was still in that forbearance that Chase Bank Put me in they told me that yes that Chase Bank did forward the information Over that I was in that program. But later when they were during the interview over the phone for the Forbearance program she said something not right when she was putting my information in the system it did not take my information she had to get a supervisor To take a look at my information then she found out the problem they told me that Chase Bank gave me the wrong information I did not qualify for that Forbearance because my name is not on the finance part of my home so they told me that because of that I was in default and that Chase Bank should have known that
Consumer complaint received 2020-08-12
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. (TX)

I contacted Experian about fraudulent accounts being on my credit report. I want these unauthorized accounts to be deleted. 
1. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX.
Consumer complaint received 2020-06-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My mother passed away at age XXXX on XX/XX/XXXX. I am a trustee of her trust. I filed papers to close her trusts checking and savings accounts at Bank of America on XX/XX/XXXX. The balances in these two accounts are {$41000.00} and {$86.00} respectively. I was told I would receive the proceeds in 5-10 business days. I emailed the agent I was dealing with on XX/XX/XXXX when I had not received the proceeds. He told me it would be 5-10 more business days until I receive the proceeds. It is now XX/XX/XXXX and I have not received the proceeds.
Consumer complaint received 2022-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

I have inquired about paying my own taxes and insurance into my escrow in order to prevent my mortgage from raising. I have a fixed mortgage rate. I was told it would be possible but wait for escrow analysis to pay shortage or any changes. The servicer names Newrez attempted to charge me twice what the county asked for tax and attempted to raise mortgage higher than what was being paid without warning or option to pay shortage. I immediately called them and notified them of this error. They asked for documentation proving my taxes were lower. Once I provided it they then agreed to charge what county charges. I then proceed to tell them I still intend to pay shortage if there is any. They then notified me there is no shortage I actually have a surplus however they still want to charge me a higher rate in anticipation of a possible shortage. When I told them first all of their calculations are incorrect because they were based on the wrong tax information they said well that is the only option or write a hand written note to remove the escrow. I did. Then I was told I would have to refinance to a higher rate in order to remove escrow which was not mentioned before and the representative stated oh well there is no other way. This practice seems predatory and shady as it is as if they are trying to force unaffordable payments or undue hardship in order to push for forclosure or a higher interest rate.
Consumer complaint received 2020-08-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio (OK)

Vance and Huffman LLC Have recently applied a collections account to my XXXX credit score. Vance and Huffman will not supply me with a copy of the contract I have signed. I am assuming it is because a contract does not exist. I believe this should be removed as I have not recieved any information from Vance and Huffman.
Consumer complaint received 2020-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (WA)

I was notified by 5/3 Bank of a surplus in my mortgage escrow account on XX/XX/XXXX. Today is XX/XX/XXXX - 43 days later and I still haven't received a check. My understanding is that a check is to be mailed withing 30 days.
Consumer complaint received 2020-08-12
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: PNC Bank N.A. (PA)

My balance was paid to {$0.00}. I contacted each individual credit bureau ( XXXX, XXXX, and XXXX ) about removing derogatory remarks under the comment section in my derogatory report. I was told I could only file a dispute with the credit bureau, or I could contact the creditor individually. So I contacted the creditor and explained that I would like these remarks removed in which they told me to contact the credit bureaus and they could not help me. The issue I'm having is that they keep sending me back and forth and refused to help me. I'm trying to get an approval for a mortgage loan. I've explained to both creditors and bureaus that I can not obtain a mortgage loan of any kind ( FHA/Convensional/jumbo/ USDA/VA ) because of these derogatory remarks or with any reports in dispute. I was also denied twice by two separate lenders because of having a dispute open. So I closed the dispute over 45 days ago and my credit report is showing they are still in dispute. I'd like for this creditor to either delete the report OR delete the negative remarks in the comments section and also update it as closed.
Consumer complaint received 2022-11-01
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: CCF Intermediate Holdings LLC (VA)

hello i have a couple things i want wiped off of my credit because i am not resposible for opening these accounts. There is a autoloan and credit card with XXXX XXXX XXXX XXXX bank. There is also a personal loan with XXXX XXXX. that took place in XX/XX/XXXX. XXXX there is an overdue XXXX account with alot of late payments that i had nothing to do with from XXXXXXXX XXXX that i need off. It was opened XX/XX/XXXX. There is also a debt buyer account that is {$500.00} past due on my XXXX report, from XXXX XXXX XXXX  ( first virginia ). I would like all of these that arent mine wiped off, and any other accounts that i didnt list to stay on my credit report.
Consumer complaint received 2020-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My balance was paid to {$0.00}. I contacted each individual credit bureau ( transunion, XXXX, and XXXX ) about removing derogatory remarks under the comment section in my derogatory report. I was told I could only file a dispute with the credit bureau, or I could contact the creditor individually. So I contacted the creditor and explained that I would like these remarks removed in which they told me to contact the credit bureaus and they could not help me. The issue I'm having is that they keep sending me back and forth and refused to help me. I'm trying to get an approval for a mortgage loan. I've explained to both creditors and bureaus that I can not obtain a mortgage loan of any kind ( FHA/Convensional/jumbo/ USDA/VA ) because of these derogatory remarks or with any reports in dispute. I was also denied twice by two separate lenders because of having a dispute open. So I closed the dispute over 45 days ago and my credit report is showing they are still in dispute. I'd like for this creditor to either delete the report OR delete the negative remarks in the comments section and also update it as closed.
Consumer complaint received 2022-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (PA)

I did a validation of debt with collection company EOS CCA that's reporting on my XXXX credit report. It shows I owe {$2100.00}, but i know nothing about this account and it does not belong to me. This EOS CCA company I've sent numerous validation of debt notices to this company and I still have not got a response. I ask for my original signature with the original creditor and original contract to show I owe this debt but I never received anything. I Know the fcra says the credit bureaus and collections compnaies have 30 days to respond and if they don't it has to be deleted from my experian credit report.
Consumer complaint received 2020-08-12
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)

My balance was paid to {$0.00}. I contacted each individual credit bureau ( XXXX, XXXX, and Experian ) about removing derogatory remarks under the comment section in my derogatory report. I was told I could only file a dispute with the credit bureau, or I could contact the creditor individually. So I contacted the creditor and explained that I would like these remarks removed in which they told me to contact the credit bureaus and they could not help me. The issue I'm having is that they keep sending me back and forth and refused to help me. I'm trying to get an approval for a mortgage loan. I've explained to both creditors and bureaus that I can not obtain a mortgage loan of any kind ( FHA/Convensional/jumbo/ USDA/VA ) because of these derogatory remarks or with any reports in dispute. I was also denied twice by two separate lenders because of having a dispute open. So I closed the dispute over 45  days ago and my credit report is showing they are still in dispute. I'd like for this creditor to either delete the report OR delete the negative remarks in the comments section and also update it as closed.
Consumer complaint received 2020-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (AR)

On XX/XX/XXXX, I made a {$250.00} payment to my card so that I could book a hotel for a wedding. On XX/XX/XXXX, I made an additional {$400.00} on XX/XX/XXXX. 

This final payment was enough to bring my bank account down to below {$200.00}. Normally, my revolving credit is available immediately after payment. However, this time Citi put a hold on my account and prevented me using my available revolving credit. So not only was I unable to use my CITI card, but I could also not use my bank account because citi was in the process of drafting {$400.00} ( and had already drafted {$250.00} ). 

This essentially prevented me from any spending activity unless I wanted to risk an overdraft. 

Not only this, but the bookings I had to make expired, and I ended up having to make new bookings at more than double the cost using my partners account. No billion dollar company should be keeping my money from me. 

It has been a week and I still dont have access to my credit.
Consumer complaint received 2020-08-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (WA)

In order to increase the privacy of my home, I allowed my uphill neighbor to build his fence 10 feet onto my property. This allowed him to plant trees and shrubs on the slope above my house to provide more privacy for him and me. I asked my mortgage company to allow us to change the legal lot line to conform to reality, I first contacted them about this change in XXXX of XXXX. They sent me two forms, form XXXX describing the change requested and Appraisal XXXX form authorizing them to send an appraiser ( at my expense ) to look at the property to see if relinquishing the land would devalue the collateral. I signed and returned the forms. They received these forms ( Return receipt requested ) on XX/XX/XXXX. They have not done anything tomove the transaction along. Apparently, they are going to send an appraiser out, but as of yet have not done so. I have called and talked to them on a weekly or semi-weekly basis for 6 months. The low-level customer service representative always assures me that they have expedited my request and that I would be contacted shortly. They tell me my " Point of Contact '' person is XXXX XXXX. I have never been able to talk to her because whenever they try to transfer my call to her I get voicemail and after leaving 4 messages during 4 weeks she has yet to call me back. I also emailed her at XXXX. She has not replied to my email. 
In the 15 to 20 calls, I have made to the company, each time leaving complete callback and email information, no one ever has contacted me about this issue.
Consumer complaint received 2020-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

I sent a check number XXXX from my bank XXXX and XXXX XXXX XXXX XXXX. The check was never cashed by the credit card and I was never notified by the credit card that my payment was not recieved, by phone or email. I accidentally found out when I tried to get gas and my card was declined. I was not contacted by the credit card to be informed that my payment was not received. I called the company as soon as I found out and made a payment immediately. I requested, as a courtesy, to have the late fee and interest fee waived, because my account has been in good standing and I wanted to know why my card was declined. I was told that because the fee was waived back in XX/XX/2019, I am no longer eligible for a waived fee. When I asked to speak to a supervisor I was told that no supervisor was available to speak with me and that I can call back later if I wish. When I called in there was a pre-recorderd message talking how Comenity is " there to help if you face financial hardship due to COVID '', however, if Comenity is not able to help me with a late fee and interest fee adjustment, how could/should anyone trust that they would help them during COVID hardship.
Consumer complaint received 2020-06-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MO)

XX/XX/20 XXXX {$300.00} Money Gram online money transfer # XXXX initiated debit card on my checking account at XXXX XXXX  XXXX Receiver called an hour later saying Walmart in XXXX XXXX IL refused him money because his valid photo ID triggered some sort of fraud warning. My MG profile history online account still shows money ready for pickup. MG website Q & A : " Canceling a Money Transfer. How do I cancel money transfer? There are multiple ways to cancel a money transfer : If you sent the transaction online and you have a profile, log in to your profile and find the transaction in your transaction history. There is an option to cancel it on the Transaction Details page. How long will it take to get my refund for a money transfer? It typically takes 3-10 business days for the refund for a money transfer to appear on your credit/debit card or bank account, but may take longer. '' If XXXX 's XXXX authorized agent refuses service to some fraud reason ( not made known or declared to sender ) then transaction should not show open 2 days later. MG cancellation instructions quoted above are bogus ... no such option exists on said page my profile. Attempted resolution through MG website contact us form twice. No reply Email response from MG assigned case numbers XXXX and XXXX respond to you " shortly ''. Two days is sufficient time to respond to two separate case requests. MG should not be allowed to prevent cancellation of money transfer and immediate return of funds to checking under the excuse of fraud prevention regulations used by their authorized agent.
Consumer complaint received 2020-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Business. This inquiry is scheduled to continue on record until XX/XX/XXXX. 


this was an unauthorized inquiry On XXXX and transunion and XXXX but, when I check my credit score though XXXX ( Capitalone card ) It shows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Who in the XXXX knows why the same bureau reports differently I called the number at Small Business, the receptionist said they had hundreds of complaints and transferred to a line where it said the wait was over 2 hours, I was 109 in line. 

These credit bureaus need to be doing a better job. Now I have a credit alert for their failure and XXXX around with credit freeze
Consumer complaint received 2020-06-19
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Navient Solutions, LLC. (CA)

On XX/XX/2020, I received an email from the place I work/volunteer regarding a voice message Navient left on my extension concerning my sons delinquent account. The number Navient called is the office number for the XXXX, so anyone could have picked up the call. This is extremely concerning since this is not common knowledge. Navient had to do an extensive search to get this info. Whats disturbing is anyone from the XXXX XXXX could have either answered the phone or retrieved the message. Navient have all my personal contact information and could have contacted me through those means. In fact they called my cell phone leaving a voice message, so there was no point in contacting my place of work, other than using it as a threatened method. I tried calling Navient a week ago to talk about payment options but got no where. They keep saying they are willing to work something out but its just a false claim to get more information on you. I need them to stop contacting my place of work.
Consumer complaint received 2024-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VI)

On XX/XX/24, I deposited my first payroll check from a new job at the ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$1200.00} through the mobile app for USAA where I have a checking account. The check is clearly marked " XXXX XXXX ''. A hold was placed on all the funds except {$200.00}. I knew the app could not determine that it's a payroll check so I used the chat function and advised a live agent that it's a payroll check and that I knew holds are not permitted on payroll checks. My attempts to have the hold removed were denied. Approximately 1-2 hours later, I called their XXXX number and spoke to an agent and again advised that the deposit was my payroll check and clearly marked. My request to have the hold removed was again denied and was told because my balance is low and that they could not verify the funds with the for the check. Given the current state of increasing costs of everything and people struggling to pay their bills, I find this action in extremely poor taste and bad business. I do have a direct deposit order in place with my job, however I'm strongly considering changing that direct deposit request to another institution.
Consumer complaint received 2020-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

ON XX/XX/XXXX, of this year I sent TransUnion LLC my second dispute regarding 4 accounts which they can not verify according to the rules of the Fair Credit Reporting Act. I got a response from them on which they prepared on XX/XX/XXXX stating that they are not required to re-investigate the items I am disputing even though they never verified it in two dispute letters I sent them. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 
Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 
That is basically my issue with them. They are not following the rules set forth by the goverment.