davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (PA)

15 U.S. Code 1666b - Timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

According to my consumer report I received dated ( XX/XX/XXXX ) and I have noticed various areas in the way CRA are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open-ended credit plan as late for any reason. If you need direct citation, please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted any credit reporting agencies or American Honda Finance such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. 

These accounts should PROMPTLY be updated as ON TIME : 1. American Honda Finance, Acct : XXXX, XX/XX/XXXX
Consumer complaint received 2022-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (PA)

My problem is with TD Bank. I have my account with TD Bank and I wrote checks to the United States Department of the treasury to pay my taxes on XX/XX/2022. These checks were stolen, forged and deposited or cashed by the XXXX XXXX XXXXXXXX. I filled out affidavits of forgery and police reports. TD Bank has not reimbursed my largest check that was stolen for {$4600.00}. This check was clearly made out to the United States treasury and had all of my information on it including my Social Security number and phone number. TD banks fraud department has not reinbursed my money and it has been six months!
Consumer complaint received 2022-11-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (NY)

On XXXX, I detected two unauthorized ATM transactions in my Amex Serve account.I contacted Amex and they start investigation.They never credited my account with the missing money.After 45 days Amex said that transactions was authorized.They never did any investigation. Amex don't have them own ATM .I brought that case to Attorney General Office for Dispute Resolution.After 6 months AG office said that can't help me, because Amex never answer to them request.I brought that case to XXXX XXXX XXXX XXXX I have Judge Decision and Notice of Order ( XXXX ) ENTERED on XX/XX/XXXX for the amount of XXXX $ in FAVOR of XXXX XXXX sent to Amex Copy of Judgment and Notice of Entry. After fife weeks silence from Amex, on XXXX, I brought my case to XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX - Fax : ( XXXX ) XXXX. 
Already 3 months since, I STILL DON'T HAVE MY MONEY. 

Sincerely, XXXX XXXX ; DOB- XX/XX/XXXX ; SSN # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Amex Serve ; Account # XXXX
Consumer complaint received 2021-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (TX)

On XX/XX/XXXX at about XXXX XXXX, XXXX XXXX account was updated through email by someone in Florida, XXXX can confirm, Rendering the services on my phone useless. I was at work with no wifi access, employer can confirm no wifi access provided in or around the premise, which left me with no access to any function on my phone requiring internet access. My SIM credentials were updated through email and all phone services rerouted to new SIM that was updated in Florida. The following account passwords were reset leaving me with no access to any services provided by such apps ; XXXX, XXXX XXXX, XXXX  XXXX, XXXX, XXXX  email account tied to all of these account services. Three purchases of {$250.00}, {$250.00}, and {$100.00}, totaling {$600.00} were performed around the XXXX timestamp according to XXXX  XXXX, that was made to buy XXXX and then was sent off to a wallet address foreign to XXXX XXXX. 

I waited until XXXX XXXX on the XX/XX/XXXX to contact XXXXXXXXXXXX  to figure out why I had no access to any account services and they explained my sim card had been updated and was pinging in Florida, and then they transferred me to their security department.
Consumer complaint received 2022-11-02
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: GOLDMAN SACHS BANK USA (FL)

I applied to an apartment complex because i need to relocate. i received an adverse letter from XXXX due to negative reporting on my consumer credit report. I the consumer was never given an option by apple  card to opt-out of reporting nor was given the required disclosures explaining I had the choice to opt-out, therefore Apple/ Goldman Sachs is in violation of 15 usc 6802 and 15 usc 1693l for waiving my consumer right in agreement.
Consumer complaint received 2023-06-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Sombrero Capital LLC (FL)

I've reached out to this mortgage company I was behind in my mortgage asked for statement off all delinquent charges, I paid what was owed now they are saying I still owe all these fees after they received over {$26000.00} .... Promised to be contacted by CEO nothing resolved and this has been since XXXX...
Consumer complaint received 2023-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Many tender of payments have been made to Capital One and none of them applied..also Capital one has caused me injury by constantly reporting false statements to my credit report when they are the ones that are in dishonor by not applying my payments. According to UCC 3-603 even if the payments are rejected, ignored or otherwise they are still valid and the debt has to be dicharged. Capital one has further caused me harm by closing all my accounts when payments were tendered. Ive written to Capital one to have the interest they are holding on behalf of the principal account XXXX XXXX XXXX applied to the debt and that also has not been done.
Consumer complaint received 2023-06-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (TX)

According to my credit file, there is a collection listed from your agency. However, I have not received any prior notification regarding this collection. Furthermore, I have doubts about the accuracy of this debt. As per the Fair Debt Collection Practices Act, I am entitled to request and obtain validation of the debt.
Consumer complaint received 2024-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (CA)

File attached for XXXX Proof of Mortgage overpayment. Timeline to present is explained. No resolution or even respond to my many inquiries have been addressed. I have only received letters demanding payment which was already completed.

The Proof of Payment Document was sent via FAX to NewRez on XX/XX/2024. 
I called and verified it had been received. 

The Proof of Payment Document was sent XXXX to SHELLPOINT on XX/XX/2024. 
No fax number was provided. 

To date no action/ response has been taken by either NewRez Mortgage or SHELLPOINT Mortgaging Servicing.
Consumer complaint received 2022-11-02
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: TFS FINANCIAL CORPORATION (CA)

THIRD FEDERAL SAVINGS & LOAN IS SERVICING THE SOLAR PANEL LOAN. I WAS TOLD THE SOLAR PANELS WOULD BE PAID THROUGH MY LOAN, WHICH IS NOT THE CASE. I WANT TO PAY THE LOAN OFF AND HAVE ASKED FOR THE PAYOFF DEMAND NUMEROUS TIMES. SINCE I WAS UNABLE TO OBTAIN A PAYOFF DEMAND FROM MY LENDER DIRECTLY I ASKED FOR ASSISTANCE FROM THE THIRD PARTY REFINANCING MY HOME TO PAY THIS LOAN OFF. MY THIRD PARTY IS GOING THROUGH THE SAME THING I WENT THROUGH AND THAT IS THAT THE SERVICER IS REFUSING TO SEND OR PROVIDE US WITH THE PAYOFF AMOUNT. I HAVE ASKED FOR THE PAYOFF DEMAND TO BE SENT TO ME VIA US MAIL, FAX AND EMAIL AND NONE OF THESE METHODS HAS WORKED FOR THE LENDER AS I AM YET TO RECEIVE MY PAYOFF DEMAND. 
THEY PLACED A SALE DATE OF XX/XX/2022 AND ARE AWARE I HAVE THE LOAN APPROVED AND SIMPLY NEED A PAYOFF DEMAND. MY RIGHTS AS A HOMEOWNER ARE BEING VIOLATED. ATTACHED IS PROOF WE HAVE ASKED FOR PAYOFF DEMANDS AND CONTINUE TO WAIT FOR THE DEMANDS. THE PAYOFF DEMANDS HAVE BEEN REQUESTED IN WRITING AND NOTHING HAS BEEN PROVIDED AS OF YET.
Consumer complaint received 2022-11-03
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. (NC)

This company fails to do their job to validate this debt but continues to report this information on my credit report. I demand this information to be deleted from my credit report if they can not provide proper debt validation.
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

On XX/XX/XXXX, XXXX, XXXX and Experian dropped my credit score XXXX points simply because my XXXX XXXX credit card balance decreased from {$40.00} to {$0.00}. How can they do that? It sounds like they are penalizing me for being a responsible consumer. I thought score drops applied only when a consumer misses or makes late payments, not someone like me who has a 100 % on time payment history. I demand they restore my credit score at once or legal action will be taken against all 3 credit bureaus.
Consumer complaint received 2024-04-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (TX)

Hello, I have been a member of PNC Bank ( formerly BBVA ) in XXXX XXXX, TX for several years. Since PNC purchased and took over the company, I am continuously receiving rolls of quarters with nickels instead of quarters. Having reported this to the bank cashier several months ago, I am still receiving rolls with nickels ( at least one nickels per roll, sometimes more. ) This is leading me to believe there could be a mass fraud taking place. If anywhere from XXXX cents per roll are being kept by the bank, multiplied by millions, this is gross neglect and mass theft. I depend on coins for the operation of my small brick-and-mortar business. This feels wrong to me, and I would like to report this to someone who can hold the bank accountable and insure that measures are taken to remedy the situation.
Consumer complaint received 2023-05-26
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: U.S. BANCORP (IA)

I was trying to open a new cell phone plan and they advised me my social security number had been compromised and they cant verify it with my correct information so they couldnt help me. When I pulled my credit report, there were about 20 inquiries that were not me, there we charges, taken out of my account, that I did not do - they applied for a car loan and an installment loan impacting my credit - and everything I try to apply for or verify my identity is says my identity can not be verified
Consumer complaint received 2023-06-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC (VA)

My personal loan account with Mariner Finance was paid-in-full with good standing on XX/XX/2023, but Mariner Finance reported otherwise to all three credit reporting bureaus ( XXXX, XXXX, and XXXX ). The balance is showing as {$1200.00} when it should appear as XXXX and as a closed account.
Consumer complaint received 2022-11-02
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. (NC)

this is reguarding a open complaint # XXXX if clam that be thet they are having trouble to conform my identity. its been wellover XXXX scence my first dispute correct my information.
Consumer complaint received 2022-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

On XX/XX/XXXX, XXXX, TransUnion and XXXX dropped my credit score XXXX points simply because my XXXX XXXX  credit card balance decreased from {$40.00} to {$0.00}. How can they do that? It sounds like they are penalizing me for being a responsible consumer. I thought score drops applied only when a consumer misses or makes late payments, not someone like me who has a 100 % on time payment history. I demand they restore my credit score at once or legal action will be taken against all 3 credit bureaus.
Consumer complaint received 2023-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (TX)

Dear US Bank, I am writing to address an issue regarding the {$500.00} bonus that I was supposed to receive upon signing up for a business checking account with your institution. Unfortunately, it appears that the promised bonus has not been credited to my account. 

During a conversation with XXXX on XX/XX/XXXXXXXX  regarding my US Bank XXXX XXXX XXXX account, she assured me that the {$500.00} bonus would be forthcoming. On XX/XX/XXXX, I funded my account with an amount of {$3000.00}. Subsequently, I encountered a situation where the agent failed to provide proper assistance in setting up paperless statements, resulting in a {$6.00} fee waiver. However, through a co-browsing session in XXXX, I independently discovered the requirement to enroll in paperless statements using my mobile device. I promptly completed the sign-up process, but the {$500.00} promotion did not appear in my account. 
I understand that oversights can happen, and I genuinely believe this issue can be resolved amicably. Therefore, I kindly ask for your help in rectifying this situation by applying the {$500.00} bonus to my account, as originally promised. 

For reference, the last four digits of my account number related to this matter are XXXX. 

I appreciate your prompt attention to this matter and look forward to a resolution. Please feel free to contact me at your earliest convenience.
Consumer complaint received 2022-11-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (WA)

I placed an order on XXXX XXXX  to have lunch delivered to my work. I ordered it well in advance of when my lunch was scheduled. My food got delivered XXXX hours later and was unacceptable in that it was already degraded quality and not safe to eat since it's been in someone's car for XXXX hours with no heat lamp or anything. XXXX didn't deliver on their side of the deal that's supposed to have my food get to me still as fresh as it can be in the estimated timeframe. I contacted XXXX to get a refund, and they said since they have refunded me in the past when they messed up before, they wouldn't be able to anymore. So I guess a company can mess up 4 times and take care of it but then the XXXX time they mess up it's now on my dime, that's what XXXX told me. I tried to have my bank ( Chime ) dispute the charge but they said nothing was found wrong even though they never asked me anything. Chime took more than 30 days and never contacted me, just sent a bunch of automated emails to me on the matter. After the wait finally someone emailed me just to say they won't be reversing the charge. I appealed with some documentation and they still said no. I thought my bank was supposed to have my back but it seems Chime is ok with XXXX stealing from their customers
Consumer complaint received 2024-04-16
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Westlake Services, LLC (SC)

financed a vehicle through Westlake Financial on XX/XX/2022. They assured me that they would report my payments to the credit bureaus to help build my credit. However, the account has not appeared on any of my credit reports. Despite reaching out multiple times, Westlake Financial claims they are reporting, but there is no evidence of this on my credit reports.
Consumer complaint received 2022-11-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Guglielmo and Associates (UT)

Guglielmo and Associates filed a Motion to Renew a Judgment from over 10 years ago. They included in their filings that I had been notified and did not file an opposition to the motion. The reason I didn't file an opposition is because I haven't lived at that mailing address they were sending the notices to for over 2 years. 

I spoke with the current residents of that address and they informed me that any mail addressed to me was placed back in the mail with " Return To Sender No Longer At This Address '' So they deliberately misinformed the court that I had been receiving their correspondence when in fact they knew very well that I had not.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NE)

I have been trying to get my escrow removed from my mortgage loan through Mr. Cooper for some time now due to the fact that I am 100 % XXXX veteran. So I am homestead tax exempt in Nebraska. So I am paying them more then necessary. I also am having to pay double insurance payment cause they won't send my insurance payment but once a year. So I am paying {$290.00} a month to the escrow and to my insurance company.
Consumer complaint received 2024-02-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (WA)

Comenity Bank call and leaves voicemails multiple times a day. Today XX/XX/24 alone there have been XXXX calls starting as early as XXXX XXXX Comenity - XXXX XXXX  XXXX Comenity - XXXX XXXX XXXX ( x4 repeated succession ) Comenity - XXXX XXXX  as this has been going on I can assure you I will receive more before the day is over.
Consumer complaint received 2023-05-26
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. (CA)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXXXXXX. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the item 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-2 ( 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 2022-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (FL)

Citibank accounts, checking and savings, on XX/XX/2022 were blocked and will be closed by the fraud department at Citibank. We have no explanation and no access to our money. I am XXXX and my wife is XXXX XXXX XXXX. We have been banking at Citibank for 36 years. We are certainly not involved in fraud. Their only action to help me, after spending hours on the phone and a visit to our local branch, was to indicate that I will be getting a letter from them in 60 days. In the meantime, I can not get access to my money. This is a disgrace. 
XXXX XXXX