davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (ID)

I called on XX/XX/XXXX at XXXX XXXX and spoke with XXXX XXXX AidVantage ( my former loan servicer was XXXX ) regarding refunding payments that I made after the pandemic was declared by the Federal Government in XX/XX/XXXX. I was told that I made payments totaling {$5600.00} during that timeframe and that amount would be refunded to the bank account that the payments came from within 4-6 weeks. 

Today, on XX/XX/XXXX at XXXX XXXX XXXX one day short of 8 weeks since I first contacted my loan servicer, I called to follow up on the status of my refund. I first spoke with XXXX, who told me that the refund would take around 12 weeks, which is more than double the time that I was originally told. After pressing her, she transferred me to another department so I could get the status of my refund. Once the call was transferred, I was told the refund would be via check, not to my bank account like I was originally told. I was also told that the refund was just processed today, but it would now go to t

he U.S. Treasury and it would take an additional 10-14 weeks to receive a check. This is unacceptable. In summary, I was lied to, mislead, and deceived. The refund should have been to my bank account within 4-6 weeks and I am now being told I will receive a paper check and it will take a total of 18-22 weeks ( 8 weeks for processing and 10-14 weeks for the Treasury to send the check ) .
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (KY)

On XX/XX/XXXX I paid US Bank {$1100.00}. This payment changed my account balance to XXXX. I have disputed the account balance information with all three credit bureaus multiple times. The last dispute was submitted on XX/XX/XXXX and the results show that the account balance is correct-meaning that I still owe XXXX dollars. I contacted US Bank today XX/XX/XXXX to ask why my credit reports have not yet been updated I was told by the representative that my information was sent to the credit bureaus on XX/XX/XXXX and shows that I have a XXXX balance. 

After calling US Bank I contacted XXXX by phone to see why the account is still showing a balance. I was told by the XXXX representative that US bank sent them an update on XX/XX/XXXX showing that I still owe XXXX dollars. 

I have made several disputes online, and several phone calls with US Bank as well as all three credit bureaus. None of them are updating my credit reports to show that this debt has been paid in full. I was denied for a business loan because this information is incorrect.
Consumer complaint received 2024-05-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Block, Inc. (MI)

Cash App doing business as XXXX, XXXX was notified by me that 2 transactions that were sent from my account was not authorized by me and this individual accessed my account to send themselves multiple transactions from my account. I contacted them to have the money sent back to me because federal law states when a consumer has unauthorized transactions they are only liable for up to {$50.00}. The transactions are for {$580.00} & {$160.00}. ( a ) Conditions for liability. A consumer may be held liable, within the limitations described in paragraph ( b ) of this section, for an unauthorized electronic fund transfer involving the consumer 's account only if the financial institution has provided the disclosures required by 1005.7 ( b ) ( 1 ), ( 2 ), and ( 3 ). If the unauthorized transfer involved an access device, it must be an accepted access device and the financial institution must have provided a means to identify the consumer to whom it was issued. Official interpretation of 6 ( a ) Conditions for Liability ( b ) Limitations on amount of liability. A consumer 's liability for an unauthorized electronic fund transfer or a series of related unauthorized transfers shall be determined as follows : Official interpretation of 6 ( b ) Limitations on Amount of Liability ( 1 ) Timely notice given. If the consumer notifies the financial institution within two business days after learning of the loss or theft of the access device, the consumer 's liability shall not exceed the lesser of {$50.00} or the amount of unauthorized transfers that occur before notice to the financial institution.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (NJ)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2022-01-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

Seterus settled with me when I was in trouble to pay. Many bank at that time wave their fees due to a regulation they were agreed with. But Seterus didn't listen then carried all the fees and sold my loan with all the fees. I asked Mr. Cooper to waive them, He refused. Would you please ask him to remove all the fees that he wasn't part of. Seterus sold him the loan, but wasn't the fees.
Consumer complaint received 2018-05-10
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: WELLS FARGO & COMPANY (FL)

I added my cousin as an authorized user to my Wells Fargo credit card back in XX/XX/XXXX and wells Fargo is not reporting to his credit report.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE (AR)

As I have asked before and will ask again, please provide me proof of my Full Name and address associated with my current drivers license and provide evidence this account belongs to XXXX XXXX XXXX XXXX - if you can not furnish this information along with a validation and verification, then please remove from my credit report.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Lockhart, Morris & Montgomery Inc. (AR)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 sw 715, 719, I presume than no proof of the alleged debt, nor therefore any such debt in fact therefore exists.
Consumer complaint received 2023-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (OH)

I can not receive any of my financial information. Regardless of my accounts, I still can not see or recieve any information. I have been treated awful and I can not understand why I am left in the dark regarding my own life and financial health. Us bank gave incorrect deposit information, closed account without notice. XXXX XXXX  XXXX and XXXX  will not allow me to obtain any information regarding my accounts.
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (MO)

My banking platform, Simple, was purchased by BBVA. A few months back BBVA made the decision to XXXX Simple and transition all accounts to BBVA after business hours on Friday, XX/XX/2021. The company sent emails to me and other Simple customers telling us our accounts were ready to use. However, trying to activate the account resulted in vague errors on the companys website. Calling the provided customer service number also resulted in vague automated error messages saying to call back later. BBVA later posted a tweet claiming the error was resolved, but this appears to be incorrect. They tweeted again saying customer service lines would be open today, Sunday, XX/XX/XXXX. However, calling those numbers result in automated recordings of people pretending they can not hear you. 

It has been 36 hours and I have no way of accessing my checking or savings accounts.
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX, I received an email from XXXX through XXXX  XXXX saying that the lender reported that I opened a new account with them, so I went to XXXX XXXXXXXX and saw that this information came from XXXX. Therefore, I logged onto XXXX to check, and it showed a new account opened on XX/XX/XXXX, with a balance of XXXX. I could not contact XXXX because their operating time was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called them on Monday, XX/XX/XXXX, to dispute this new account because I never opened a new account. Also, my credit is on lock with XXXX, so if anyone were to open an account, they shouldn't be able to do so unless it is unlocked. The rep checked, and my credit has been locked since XXXX, so I don't understand how anyone opened a new account. I had to call the creditors, and Citibank kept transferring me. Finally, the last person gave me a number for XXXX because this is the account that was opened, as it states on XXXX, and after checking they gave me the XXXX XXXX XXXX to file a complaint.
Consumer complaint received 2020-07-30
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (CA)

CONTACTED : Current Mortgage company Mr. Cooper DATE : XX/XX/XXXX REGARDING : Mortgage payments not being reported to credit bureau for past 3 yrs and bankruptcy status not correct/updated. 
CONFLICT : Trying to re finance with a different lender and missing payment history effecting credit score and account incorrectly shows bankruptcy status. 

Telephoned Mr. cooper to inquire about this missing information/status on my credit report. They stated it was due to my loan not being reaffirmed when i had a discharge bankruptcy inXX/XX/XXXX. First ... My mortgage was not included in the bankruptcy. Secondly..they continued to report to the credit bureau after that discharge and up to XX/XX/XXXX, which is 17 yrs. But abruptly stopped then. 
They stated that although they are the same company, but changed names inXX/XX/XXXX, from Nation Star, their terms changed and that why they stopped reporting. Finally their only solution to this problem was to provide me only a proof of one year history of payments and or refinancing with them to continue reporting. 
This has turned out to be a very stressful situation when we have not only not included the loan in the bankruptcy that should have came off sinceXX/XX/XXXX!! 7 yrs later and have been current with our payments all along. My bankruptcy lawyer stated that it is not a obligation to file a reaffirmation during the bankruptcy and also why is this still effecting my credit when it has passed the 7 yrs and should already be removed. 
Thank you for your much appreciated assistance. 
XXXX XXXX XXXX
Consumer complaint received 2018-05-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Berndt & Associates, P.C. (MI)

A law firm by the name of BERNDT & ASSOCIATES P.C. Is trying to collect money for there client  XXXX XXXX. They proceeded by filing a lawsuit against me and we are now in the process of going to trial. My initial concerns was that this law firm has only supplied me with computer generated copies of statements that may or may not be accurate. This law firm represents XXXX XXXX, which is trying to collect money that is not owed to them. During and before the court proceeding this law firm stated they weren't debt collectors but the information sent to me stated this information was from a debt collector. The attorney sent to represent during the proceedings seems to think my wife and did not understand she was representing XXXX XXXX, witch in fact we were fully aware ... XXXX She also stated, after I asked three times, how much did XXXX XXXX pay for this debt, that I did not need to know that. It's my right as a consumer to know all information that I've requested, but this law firm and there client only gave computer generated information they wanted me to have, not all that was initially requested. The other scary thing about this case is that the law firm got our information mixed up with another client and gave me her full name and account number. The sad thing is they can't even handle what they are suppose to. It really concerns me even more because what if they have given my information to someone else as well. This law firm goes and tries to collect, get judgments against consumers and ruin their credit!!!! Unfortunately for them I will fight this to the end, even if I have to counter sue them or take this matter to a higher court.
Consumer complaint received 2023-04-04
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

CAPITAL ONE AUTO FINANCE DATE OF INQUIRED ; XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I RAN MY CREDIT REPORT IN I SAW FRAUDULENT ACTIVITY ON MY REPORT THAT I HAVE NO KNOWLEDGE OF OR I DID NOT CONSENT TO I WOULD LIKE IT ROMVED FROM MY REPORT WITHIN 14 DAYS UNDER THE FAIR CREDIT ACT. FROM THE LOOKS OF THING SOMEONE HAS GOT MY INFORMATION.
Consumer complaint received 2022-10-06
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. (TN)

Upon reviewing my updates, inquiries and inaccurate information are being reported to my personal credit file. The Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX GA XX/XX/2022 XXXX XXXX GA XX/XX/2022
Consumer complaint received 2022-07-23
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. (FL)

I noticed these accounts reported on my Credit File which are completely unknown to me. Upon further research, I came to a conclusion that these accounts were the result of an Identity Theft. I don't know how the theft took place neither did I received any benefits resulting from the theft of my Identity. I am now submitting this complaint to inform the Credit Bureaus that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an Id Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission : XXXX  XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$120.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$250.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$340.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$2500.00} Date Opened : XX/XX/XXXX. I have read that according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-03-27
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

TILA rescission has occurred on XX/XX/2017 and the encumbrance was eliminated and the debt was converted from one arising from a promissory note to one arising from a statute 15 use 1635. The debt then became subject to the statute of limitations for claims under TILA because the debt now arises under TILA. 
Since BANA has acknowledged in court and acquiesced to the TILA Rescission and the statute has run the debt is barred. Ignoring the TILA Rescission is warping the value of the bankruptcy estate as well as allowing secured status to unsecured creditors. 
The effect on the XXXX estate by virtue of 15 USC 1635 is that the original loan contract has been replaced by operation of law with a statutorily imposed new agreement, the terms of which are spelled out in the statute. 
This means that per the statute and REG Z, which must be read along with the statute, the note has been replaced by a new obligation and the mortgage has been eliminated by the express wording o f the statute " by operation o f law. '' The obligation to repay continues as an enforceable liability provided that the claimant satisfies the conditions precedent set forth in the statute, but that obligation is no longer secured for the express purposes o f allowing the borrower to seek new financing from which the obligation could be repaid. 

The parties claiming to be owners of the debt or claiming to be representatives o f the owner o f the debt failed to comply with their obligations under the new agreement. Hence any right to enforce the obligation became inchoate. That failure by the claimant was not in any way caused by the borrower. 
The obligation arises not from the original loan agreement anymore but from the statutorily imposed obligation that replaced the original loan agreement. The statute is part of the Federal Truth in Lending Act ( TILA ). Claims under TILA are barred by the statute of limitations contained within that act.

Hence the obligation is wrongfully treated as secured when it had been converted to unsecured obligation by the statute, and the obligation itself is now barred by the statute of limitations. 
The effect on the bankruptcy estate is obvious any claimants under the original loan agreement are moved from secured to unsecured and, since they no longer have the benefit o f the written instruments ( the void note and mortgage ) they must establish their claim by filing a proof of claim in which they establish ownership of the obligation and thereby establish that the they hold the risk of pecuniary loss, without whic
Consumer complaint received 2022-06-17
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: AmeriCollect (NC)

15. USC 1681 section 602 A state ... .I have right to privacy ... .They violated this 15. USC 1681 section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions.

15, USC 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector this includes phone calls and letters in the mail ... ... I have changed my number twice.
Consumer complaint received 2020-07-30
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. (IL)

Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX XXXX IL XXXX My name is XXXX XXXX XXXX My phone number is XXXX