davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is a follow up of complaints XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX. 

Yesterday when I went to the Bank the person whom I interacted with Mr.XXXX   said the deposit of the cheque will be put on hold. However today, I see that the cheque status as " Return of posted check '' XX/XX/XXXX Show additional information for activity type credit XXXX RETURN OF POSTED CHECK / ITEM ( RECEIVED ON XXXX ) ELECTRONIC TRANSACTION activity type credit status type icon cleared Cleared. Select to mark activity type credit XXXX RETURN OF POSTED CHECK / ITEM ( RECEIVED ON XXXX ) ELECTRONIC TRANSACTION as Reconciled XXXX XXXX They also started the transfer that I requested to stop. They deducted " {$3.00} '' from my account on XX/XX/XXXX. 

They put a freeze on my ability to pay bills. 

They are overdrawing my account to transfer money out of a closed checking account which does not have money. 

This is the most atrocious scam I have ever encountered. As a citizen of this country, I am not sure why we tolerate practices like this. 

Hold Transaction layer PENDING DEBIT/HOLD ON XX/XX/XXXX activity type debit status type icon hold XXXX XXXX XX/XX/XXXX Show additional information for activity type bank charge XXXX External transfer fee - 3 Day - XX/XX/XXXX Confirmation : XXXX activity type bank charge status type icon cleared Cleared. Select to mark activity type bank charge XXXX External transfer fee - 3 Day - XX/XX/XXXX Confirmation : XXXX as Reconciled XXXX XXXX XX/XX/XXXX Show additional information for activity type debit XXXX FORCE POST DEBIT For an Overdraft Protection Transfer Posting Da te of ... 
activity type debit status type icon cleared XXXX. Select to mark activity type debit XXXX FORCE POST DEBIT For an Overdraft Protection Transfer Posting Da te of ... as Reconciled XXXX XXXX
Consumer complaint received 2018-02-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (KY)

{$9000.00} wire transfer sent on XX/XX/ and confirmed on XX/XX/ has never been credited to my account. This has been going on 13 days with no contact from Coinbase support. I was able to contact the bank and they initially told me no funds were received under my name. After providing further documentation they were able to find the funds under the Name of XXXX XXXX ( my bank ). I was told that the funds will not be able to be credited to my Coinbase account and that they will EVENTUALLY be returned to me. I am required to send an email to their compliance department. The email was sent immediately on XX/XX/ and was later returned undeliverable due to the address not being able to receive email. I have yet to receive my funds returned to my account. {$9000.00} tied up for 13 business with no end in sight. Please help.
Consumer complaint received 2020-04-30
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. (MD)

These loans we're taking out in XXXX, on my credit report it states I opened the accounts in XXXX, there also reporting inaccurate balances, I spoke with Representatives from XXXX and XXXX, XXXX ID # XXXX From XXXX  and XXXX from XXXX, both informed me that nothing has been reported since XXXX but according to my Experian credit report there still reporting late payments along with other inaccurate information, which is a direct violation of the Fair credit reporting act.
Consumer complaint received 2021-11-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANKMOBILE TECHNOLOGIES, INC (CO)

Opened a checking account with XXXX XXXX ( administrated by Bank Mobile , account by Customers Bank ) in XXXX, app said that account can't be used until debit card ships, patiently awaited for weeks, no card, submitted missing card request, weeks later no card. Finally go to try and contact again to get a card shipped and was told my account was closed by their Security Team, and that I am unable to apply for another account. 

Contacted customer service to see what happened, as there's obviously some kind of mistake, and was told there is absolutely nothing I can do ( appeals, information request, escalation, etc. ) and no one I can contact at all regarding this issue by both tier 1 and their executive customer service team. 

Since I am not a bad actor or any kind of security risk, there has obviously been an error, or XXXX XXXX has information that I should be aware of ( potential identity theft, etc. ), but that they won't provide or help with in any way.
Consumer complaint received 2021-03-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (VA)

I am making a complaint against Rushmore loan Management Services LLC. I have a 30 years fixed mortgage. I applied for a loan Modification three times over 3 years and I was turned down every time. I am suffering in this Pandemic and Rushmore would not offered any type of Resources. I am a XXXX year old woman, I need my home to live. Rushmore is very discriminative over people that having Hardship in the Pandemic or need a Modification. The Covid-19 pandemic had brought hardship and Rushmore can not help with providing Resources with good outcome, this company is very misleading. Rushmore will never approve you. I felt discriminated against because i am a home homeowner and need help to keep my home.
Consumer complaint received 2022-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (OK)

I received a letter from Flagstar, dated XX/XX/XXXX, stating that I had a lapse in hazard insurance coverage from XX/XX/XXXX to XX/XX/XXXX. Flagstar charged me {$370.00} to cover the lapse. However, there was never a lapse in coverage. I have attached evidence of property insurance showing that I was covered from XX/XX/XXXX to XX/XX/XXXX, which includes the period from XX/XX/XXXX to XX/XX/XXXX. I have already submitted the evidence of insurance to Flagstar directly. I decided to also submit a CFPB complaint because I suspect that this is a malicious tactic on the part of Flagstar- i.e. arbitrarily declare that there was a past lapse in coverage, charge the borrower to correct the lapse, and put the onus on the borrower to prove that there was no past lapse before they can recover their funds. The key to this tactic is that Flagstar is saying the lapse occurred in the past, even while current coverage is in place.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting act XXXX  Account XXXXXXXX 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 without my written instructions
Consumer complaint received 2020-07-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Forest Recovery Services LLC (NY)

To Whom It May Concern : I, XXXX XXXX, am disputing an account that was added to my credit report. under the name of ; FOREST RECOVERY SERVICES. Account Number XXXX DATE opened XX/XX/XXXX. I am unfairly being penalized for a service I received in an emergency room, at XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX. My insurance covered all my service. My balance when I was discharge at the hospital was {$0.00}. I am a XXXX low-income woman who is insured by NY XXXX and XXXX. I became aware of this account because I received an alert from my credit monitor. I immediately contacted the hospital and was told my balance was {$0.00}. I strongly believe this is an injustice towards me. I have the patient account statement documents to prove my service was covered by my insurance. At no time the doctor informed me I will be charged additionally. I had job offers and opportunities refused because of this negligence. The outcome of this wrongdoing has caused me emotional distress. Please help me seek justice.
Consumer complaint received 2018-06-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (MO)

THIS IS A QWR, QUALIFIED WRITTEN REQUESt, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, PLEASE, PLEASE, Provide all documents from the loan modification and family and name transfer of this loan between the dates of XX/XX/XXXX and XX/XX/XXXX. In addition please provide all documents from XX/XX/XXXX to XX/XX/XXXX the period of OCWEN Loan Servicing. I have made several request for this information without receiving this information. You have closed complaints as duplicates on several complaints submitted. As recent as today you submitted that you were making an interim response when you were in fact Closing the Complaint. As I submit this QWR QUALIFIED WRITTEN REQUEST, NOW on XX/XX/XXXX @ XXXX XXXX. OCWEN has not sent notice to me or the CFPB that you have closed the last complaint submitted XX/XX/XXXX as Complaint Closed with an explanation, The same explanation you continually lie and use to cover the mistakes you have made. 

What is ridiculous is this same information OCWEN is lying and denying is on file with the CFPB. 

Again, THIS IS A QWR, QUALIFIED WRITTEN REQUESt, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, PLEASE, PLEASE, Provide all documents transacted from XX/XX/XXXX to XX/XX/XXXX, in regards to this loan. 

OCWEN has reached a new low. You have provided only the original loan documents signed by my DECEASED DAUGHTER, originally signed XX/XX/XXXX. 

You have had this loan only since XX/XX/XXXX and the original request was for the transactions subject to the original complaint first filed. Trust that you will not get away with this. This will become my lifes work. I will now make everyone in this country aware of OCWEN who is not already aware of your hideous reputation for loan servicing errors and law suits and what you have done while lying slogan continues HELPING HOME OWNERS IS WHAT WE DO. 

THIS IS A QWR, QUALIFIED WRITTEN REQUESt, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, PLEASE, PLEASE, Provide all documents since XX/XX/XXXX when you started servicing this loan to XX/XX/XXXX, in addition to the loan modification and family transfer documents from my deceased daughters estate, and documents relating to the attempted transfer of this loan in a foreclosure status with {$13000.00} due upon transfer and documents relating to payments returned to me.
Consumer complaint received 2020-04-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NV)

LVNV FUNDING LLC ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$740.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2020-04-30
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: CAPITAL ONE FINANCIAL CORPORATION (RI)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2018-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

On XX/XX/XXXX I received a notification in my email about a credit account, which I have no clue of. I have been a victim of identity theft in the past. My taxes was filed without my consent in XXXX. I have also been affected by the credit breach where my information was leaked. I am disputing the inaccurate information on my credit report as an internal dispute and fraudulent. The accounts that are fraudulent are as follows : 1. XXXX 2. XXXX XXXX 3. XXXX XXXXXXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX   9. XXXX XXXX 10. XXXX XXXX I am disputing the following accounts as fraudulent and an internal dispute which takes only 3-5 business days. I will be following up with all 3 credit bureaus in a few business days to assure that the fraudulent and inaccurate information is completely and permanently removed from credit file.
Consumer complaint received 2021-02-28
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. (OH)

After pulling my credit report, I found inquires that were not authorized : 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 Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-15
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)

In honor of Aquifax. On XX/XX/2020 I received a reply to a complaint I filed. Sorry to hear from you such an answer. I'm not your servant. And not preparing to be, .please as you have spread about me. fraud. So remove it yourself. From all credit companies. Like XXXX. And XXXX XXXX. I complained about use without my permission and in my presence. Against XXXX XXXX XXXX Florida. And you asked me to come up with permits from the police. Something that took me. 4-5 months. Instead of a total. Remove the hard note that XXXX put on me. You have reduced me to your messenger and servant. But sorry you are public servants. And your function. Serve the public. And not the other way around. So take down all the scams you spread about me. You are abusing my age ( XXXX XXXX XXXX ). And that I do not know a language. So request you will teach your employees. How they are supposed to serve the public. 
XXXX XXXX
Consumer complaint received 2018-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NJ)

I have a Chase Auto Loan Account opened in XX/XX/XXXX. I have been current with the loan and even refinanced said loan to a lower APR. 
Between XX/XX/XXXX / XX/XX/XXXXI had an auto payment mailed on my behalf from XXXX XXXX XXXX. However, I was provided with the wrong mailing zip code and payment was returned. I subsequently called Chase Auto to confirm receipt of my payment and was given the correct mailing zip code. I had XXXX XXXX XXXX resend the payment over. 
Chase Auto Finance is reporting this payment as a late payment even though the initial payment was sent on time but returned due to a wrong mailing zip code I was provided with when I called to request for a mailing address to send in my payment. 
This solitary late payment has greatly impacted my FICO credit score ( dropping over 86 points ). I  am requesting Chase Auto Finance to correct this error as I have been a loyal customer for over 3 years and have many products ( Bank Account, Credit Card, Auto loan, etc. ) with them. 
I have never had a late payment on my previous loan prior to refinancing it and I have never had a late payment since this mailing zip code mix up. 
please rectify this error on my credit report. 
Please look at the XXXX XXXX XXXX Screenshot. It shows that I originally sent the payment on time but for the error in the mailing zip code. 
Thank you
Consumer complaint received 2023-02-07
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-02-28
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings (MO)

Ad Astra Recovery at XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX has been sending me collection notices in the amount of XXXX. The collection has been report as pasted due balance. I do no know this company. I have never done any business with this company does not have a contact with my signature.
Consumer complaint received 2020-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I entered my XXXX XXXX XXXX checking account to add an external account in order to connect my Capital One Checking 360 account via a secure and private party XXXX  after successfully entering my username and password and code numbers via SMS. Unfortunately, Capital One blocked me from setting up my external account. I called the Capital One, and the manager XXXX said it was impossible to resolve the issue and they have a right to block me from connecting my XXXX checking account to my Capital One checking account via XXXX. Please let me know how to resolve it with Capital One.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/2024, I corresponded with XXXX XXXX requesting that they provide verification, validation and accuracy of the account # XXXX which they where reporting on my consumer report via TRANSUNION and XXXX. See : Letter I submitted this letter certified mail. XXXX failed to respond or sign and return the XXXX  card. See : Certificate Receipt.

I also, requested that TRANSUNION reinvestigate the aforementioned account due to its failure to report complete, accurate and factual information. They failed to throughly provide a investigation as well.

In light of the above, my constitutional and FDCR rights has been violated. 

1. 15 US Code section 1692 ( a ) 2. 15 U.S. Code section 1681 ( a ) 3. 15 US Code section 1681e ( b ) 4. FDCPA section 807.

5. FDCRA section 808 6. FDCRA section 809 Clearly, this account reflects deception and misleading information against the law. There is no indication of a late payment on TransUnion to validate a XXXX XXXX 

However, Transition still penalized my FICO score XXXX  behind this deceptive tactic. XXXX  details that this isn't reflecting XXXX  accuracy by showing that the account took over XXXX XXXX XXXX XXXX years to reflect a XXXX  XXXX. This is illegal and against XXXX  rules for financial institutions. See : Credit report. 

XXXX, this demonstrates that TRANSUNION and XXXX is in collusion with XXXX XXXX to criminally break the law by failing to accurately report information to the XXXX. 


In short, XXXX XXXX failed to verify this account therefore, this misleading and inaccurate account MUST be deleted immediately. 


Thank you in advance.
Consumer complaint received 2021-10-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (MD)

We paid off Chryler capital Acct XXXX on XXXX XXXX. XXXX also authorized the payment. Confirmation {$2500.00} but they are claiming they dont have the payment they also try to get more money out of our bank account {$2800.00}. Which was wrong amount. The bank stop payment on that amount. BUT they claim our money is no records and holding on to our Lien release for our XXXX XXXX XXXX.please help us to finalize our payoff. And to get our lien release
Consumer complaint received 2020-08-19
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. (GA)

I have sent several letters to XXXX/ XXXX  and Experian inquiring about information/accounts listed on my credit report that is inaccurate. I have asked for the account/information to be verified several times via the letters I sent. I also asked that they please send me copies of the documents that you have in their files as of my last letter that they used to verify the accuracy of the accounts on my credit report. 

They have continued to send me a response stating that the accounts/information was updated and verified but have not sent any supporting documentation. 

I did not ask for anything to be updated. I asked that the inaccurate accounts/information be verified.
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monterey Financial Services LLC (CA)

I was unaware of this debt claim by Monterey Collections Services, I didnt have the opportunity to depute this information. If in fact Monterey Collections Services believes gave me notification, I am requesting the CERTIFY RECIPT with my name and signature.

1006.34 ( a ) ( b ) ( ii ) Notice for validation of debts