davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-29
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: Mr. Cooper Group Inc. (IL)

I have received a letter from Mr. Cooper claiming I did not purchase home insurance. I purchased my insurance in XXXX and the payment needs to come out of my escrow. My insurance company has yet to be paid even though I sent them proof of insurance. 

Mr. Cooper has tons of phone numbers on their letters/website/statements but NO LIVE PERSON will ever answer the phone. They are trying to force me to pay for ANOTHER insurance policy claiming I don't have XXXX which is untrue. 

I also tried chatting with them online but you can do it because there is nowhere in the chat session to actually type information. Its like they are purposely not wanting to speak to any of their customers. 

Its not o.k. that I can't speak to a live person at my mortgage company. I have heard horrible things about this company and I know there have been class action lawsuits as well. My mortgage was sold to them by XXXX XXXX so I am stuck with them for now. 

I want to know why they refuse to speak to me on phone or chat and what your agency can do to force them to allow their customers access to LIVE PEOPLE In the XXXX years I have owned various homes I have never experienced such a stressful and unprofessional situation.
Consumer complaint received 2021-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (TX)

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my consumer report, I have found that there are fraudulent items listed. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following fraudulent items I wish to dispute on my credit report : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. By Federal law you are requested to list complete accurate information and you are listing XXXX fraudulent items. I have never lived at the properties listed. I have lived at my current apartment for over XXXX years. I have attached a copy of my Identity Theft report, State ID and social Security Card.
Consumer complaint received 2021-12-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (GA)

I am the mortgagee on a mortgage held by Caliber Home Loans. I requested a mortgage verification via my account portal on XX/XX/2021 for the purpose of having the mortgage financed by another mortgage company. I requested that the mortgage verification be emailed to me. I was told via phone that the verification would be forthcoming within 48 hours. I received nothing so I recontacted Caliber via my account portal on XX/XX/XXXX. I did not receive a response so I called them on XXXX XXXX was told that they could provide the verification via phone and to have the other mortgage company contact them. They followed up with a response via my account portal on XX/XX/XXXX that their representative addressed my concerns on XX/XX/XXXX. I requested that the mortgage verification be sent to me via email so I would have it in writing. I still received nothing. I had told them that this request was time sensitive on XX/XX/XXXX as the mortgage was being refinanced and the new mortgage company needed the verification. I received a response on XX/XX/XXXX saying that my request was being referred and that it could take up to 30 days for processing. In the meantime, the other mortgage company dropped the application due to not receiving the mortgage verification from Caliber. This is unacceptable and appears to be a way for Caliber Home Loans mortgage to impede my effort to refinance or to have the. mortgage financed by a company other than Caliber. My payments with Caliber have always been timely.
Consumer complaint received 2021-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

On XXXX XXXX 2021, I went to the Chase branch. I went into Chase to withdraw around {$3000.00} to pay my rent and other bills. The bank teller was acting strange after she reviewed my account details. I assume, this was because of the balance and my age and the fact that I am XXXX. The woman told me that if I wanted to do my withdrawal that I needed to have the police present and that she needed me to speak with a bank manager first. She told me that the manager would call later that day and arrange an appointment for me to do my business. I never received the call. On the following Monday, I visited the branch and asked again to do a withdrawal. Again, I was told that the manager was not in and would call me later. I let the staff know that I want to withdraw everything from my account, because Chase is behaving strangely. XXXXwo days later, the manager called me and asked why I was pulling everything out of the account. I told him that I heard that Chase was closing accounts and keeping the money and I don't trust them. I was told by the manager that my account was already reviewed and in good standing and that I don't need to worry about it. I told the manager that I still wanted the money. On three separate calls he tried to convince me to take a check and never scheduled an appointment. On Monday, I noticed that my account was locked. I was told at the branch that Chase rejected my withdrawal request and no longer wants to do business with me. I was further told that they will not be giving me cash, but the check I kept saying I did not want and that I would need to cash it elsewhere. I was told that there is no time frame on when my money would be released. If you refuse a Chase cashiers check, they will force you to take one. Chase illegally denied my access to my own money and discriminated against me. My balance at the time was over {$260000.00}. Chase has never asked me to verify the source of my income. This closure is a direct response to my request to withdraw money. They violated the law by denying my withdrawal, because I am a young XXXX man. My small business is XXXX  XXXX  XXXX XXXX XXXX, in XXXX XXXX Nevada. I am working on opening a second location in Florida. I am in several publications, and if this system allows I will attach. The bankers at the branch in XXXX Florida are racists and criminals. How dare these filthy thieves accuse me of being a criminal. I am currently shopping for an attorney to represent me for XXXX discrimination or civil theft. That is not your money. I want it back, within 30 days. This shall serve as your written notice Under 812.014, Fla. Stat. I demand treble damages. I believe this amount is around XXXX. I don't have access to my bank records, as I have been locked out. We are currently negotiating a multi-million dollar XXXX  deal. If the actions of Chase hinder this and stop us from funding this enterprise, we will hold Chase accountable. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (GA)

I've attempted to report a wireless account under XXXX XXXX XXXX as fraud. Several phones were ordered and corresponding phone lines were opened under my XXXX XXXX XXXX  account. These phone lines were later canceled and supposedly paid off. However, the payment made was reversed as the individual that made the payment utilized fraudulent cards and card information. Unfortunately, I naively trusted the sophisticated scammer that made the purchase as this individual assured me that they would cancel the lines and pay for each. I do not have access to any of the phones ordered nor have I heard from this individual since. Furthermore, the current amount owed is {$6200.00}. I've completed a fraud form, and the fraud team has dismissed this incident with no resolution, I have been transferred from department to department, representatives are seemingly incompetent, and I have not been able to contact the fraud department by phone due to the high call volume. Lastly, I am out of the country at this moment which makes communication more difficult. This balance has been recently sent to collections and XXXX refuses to acknowledge it as fraud merely suggesting that I handle this civically. This person also defrauded XXXX under my name.
Consumer complaint received 2020-12-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

i have asked the credit bureaus to show me how they have validated the negative accounts on my credit report. i have sent them XXXX separate letters asking them show proof that the negative accounts belong to me and to show me how they were validated. they have failed to produce any documentation providing any proof or how it was validated.
Consumer complaint received 2023-04-07
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. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-06-10
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # 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.
Consumer complaint received 2022-06-10
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # 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.
Consumer complaint received 2021-12-05
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. (MI)

I have a fraudulent XXXX Bank account on my credit report that XXXX and Experian refuse to remove. I have been disputing this acct for a whole year to no avail. The acct usage is totally fraudulent. There were unauthorized charges made on the acct and the company agreed to remove the acct from the credit bureaus after receiving payment. XXXX recognized the acct as fraudulent and removed it.
Consumer complaint received 2021-02-24
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. (GA)

Around XXXX of last year I noticed several fraudulent accounts on my credit report. I submitted multiple notices and request to each major credit bureau asking them to block the fraudulent accounts. I also sent notices to the creditors involved. To this day they are still hurting my credit score by reporting fraudulent accounts, this constitutes the crime of defamation. The bureaus are engaging in a blatant disregard of section 1681 c of the FCRA which states : According to the FAIR CREDIT REPORTING ACT " FCRA '', Section 1681 c ( 2 ) Block of Information resulting from Identity theft Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four ( 4 ) business days after the date of receipt by such agency of ... Appropriate proof of identity of the consumer ; A copy of an identity theft report. The identification of such information by the consumer ; and A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within four ( 4 ) business days. This is clearly an identity theft issue.
Consumer complaint received 2023-04-07
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. (TX)

I have sent out multiple certified letters to Experian, XXXX and XXXX XX/XX/2022, XXXX. Here are some of the USPS tracking Numbers. XXXX, XXXX. XXXX, XXXX, XXXX. XXXX, XXXX. However, the Credit bureaus said the completed investigation, and everything was 100 % accurate. Experian also quit sending me any other update on latest letters sent. 

According to the Law 15 U.S. Code 1681a- Definitions ; rules of construction. 
The term " investigation consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who they talked to? 
How they completed this investigation?
Consumer complaint received 2020-12-03
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: General Motors Financial Company, Inc. (FL)

There are five unauthorized inquiries on my credit file from XXXX. I have contacted the company in the past to inform them about the matter but I never get a response. I have no business with company and they shouldnt be accessing my credit file.
Consumer complaint received 2018-04-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

Went into an Ace Cash Express # XXXX at XXXXXXXX XXXX  XXXX XXXX XXXX, CA on Sunday XX/XX/XXXX Sunday and gave them {$620.00} to make a rent payment. The money was to be transmitted to an account number provided by a detailed invoice that had account number and biller name. Provided all the information and when the receipt was printed it didn't have any of the information that the receipts normally have in the same area. The store was about to close in 40 minutes. 
So if the receipt is missing vital information, that raises a red alarm. So when asked for a refund as soon as the receipt was given, the csr lady said it would not be a problem. The problem was that her manager had to approve the refund. Well she called the manager Named XXXX XXXX and when she explained the situation over the phone, XXXX XXXX told her to tell the customers to come back tomorrow and hung up. The refund was not guaranted either, it's just come back tomorrow. So after giving someone {$620.00} we are not going to walk away with any kind reassurance. We asked for a refund and the money has not been wired yet. How am I going to trust the same business that just acted like that. So the lady kept on calling and calling for ace corporate or any others manager. XXXX would not answer his phone or anything. So finally she got a hold of a lady manager and that lady finally responded and talked with me. I had her call me and she took my number, we left the store 20 minutes after closing. Then to make things worse there are people XXXX XXXX outside the store. Overall this situation was mishandled and should have been resolved really easy. Instead it was mishandled in the most irresponsible and lazy way possible by XXXX XXXX. It wasted everyone 's time money and the stress was so high the other customers couldn't even get proper service. I am still waiting for my XXXX call from the manager or a refund. There is no moral to this story, it's just someone being irresponsible and lazy. I've attached a photo of someone XXXX XXXX
Consumer complaint received 2018-04-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

I was informed on XX/XX/XXXX about my account reaching XXXX dollars. On XX/XX/XXXX at XXXX XXXX. my payroll check posted a shortly thereafter I made multiple transfer to cover what was needed to cover my XXXX XXXX payment. Wells Fargo charged me an overdraft even though I had transferred money per their recommendation. I was surprised that later on in the day of XX/XX/XXXX I received an email from Wells Fargo regarding an overdraft fee as I had enough money in my account. I contacted Wells Fargo regarding the overdraft fee and informed them that I had a XXXX XXXX charge pending and needed the fee reversed due to the pending transaction. I received a generic response from Wells Fargo. This morning my account yet again reached XXXX dollars. I checked the account to find out that I was charged a {$35.00} overdraft fee for my XXXX XXXX payment. I sent Wells Fargo yet another email addressing this issue. For the record, I have not received any email from Wells Fargo regarding the latest overdraft charge. At this time I am left no other recourse than to file a complaint as Wells Fargo not addressing my concerns in a personal manner only via generic correspondence has become an ongoing issue. I am providing screenshots for a timeline and validation of my complaint. Thank you.
Consumer complaint received 2018-03-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CNG HOLDINGS INC (TX)

Purchase a ring from XXXX XXXX in XXXX XXXX XXXX XXXX, TX they used XXXX to finance. I paid XXXX XXXX {$45.00} biweekly automatic draft thought my XXXX XXXX XXXXXXXX account. I explained to XXXX XXXX XXXX that the account was paid on the 1st call and 2nd call the rep said he would mark as dispute. When I called today to get additional information this person was  rude/disrespectful etc. I ask XXXX XXXX XXXX for the copy of the contract and the original amount. The young lady said that they do not have the original amount or the contract to call XXXX XXXX XXXX XXXX XXXX. She offered me a {$800.00} settlement and I explained to her that I have already paid this account I did not receive a paid in full since they was a automatic draft. This is the ONLY account that I have had with XXXX. 

I Called XXXX XXXX XXXX XXXX XXXX he said that they no longer own the account and did not have a copy of the original contract or amount. He said that XXXX XXXX XXXX purchase the account to call them for the original documents and the amount. afterwards since I cant get anyone to help me I am filing a complaint.
Consumer complaint received 2018-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NC)

A complaint was filled about a Wells Fargo check number XXXX for {$980.00}. The check was clearly cashed out at a XXXX XXXX XXXX from an unknown person, this person is not associated with XXXX XXXX XXXX. The check maker ( XXXX XXXX ) has expressed to Wells Fargo that the check should have been cashed by XXXX XXXX XXXX. However, Wells Fargo told the check maker that XXXX XXXX XXXX needs to make a complaint. 
XXXX XXXX XXXX made a complaint to Consumer Financial Protection Bureau. And received a letter from Wells Fargo, stating that XXXX XXXX needs to file the complaint. 
In the XXXX XXXX XXXX  letter, Wells Fargo understands the difficulty, and that XXXX XXXX XXXX didnt receive the payment however can not act with the information received from a third party. To file a claim please have the maker of the check contact Wells Fargo. The maker of the check is XXXX XXXX. 
XXXX XXXX contacted Wells Fargo as instructed by the letter. Wells Fargo stated that they see the transaction was posted correctly. However, the transaction was incorrectly cashed out by someone other than XXXX XXXX XXXX. This issue was constantly being stalled because Wells Fargo is making both parties go around in circles. Time is going by and both sides need this issue resolved. 
Both parties have complained and have letters from Wells Fargo about this issue and was ignored. 
This complaint is now being filled by XXXX XXXX because Well Fargo see nothing wrong with the check being cashed out by an unknown person.The check should have been cash out by XXXX XXXX XXXX only, as stated on the check.The check instructions are on the attached check and was not followed by Wells Fargo. Wells Fargo needs to fix it. They even admitted in the letter to XXXX XXXX XXXX that the funds didn't go into XXXX XXXX XXXX account.
Consumer complaint received 2018-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BBVA FINANCIAL CORPORATION (GA)

Repeated calls on my cell phone from BBVA Compass at XXXX and XXXX   concerning some type of debt of which I have no knowledge. I attempted to contact the caller  but was able to do so. It is not my debt. The debtor 's name caller use is not my name.
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) This a violation to report a past due status on a collection account.

Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.