davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am a XXXX XXXX XXXX man, but because of a XXXX I sometimes behave as a very young teenager and my mother has to handle my finances and doctor 's appointments. i had an account with Capital One where my part time paycheck was deposited. I received a fraudulent check on XXXX and without knowing I tried to deposit it on my Capital One account and the bank closed my account and sent me a check for the balance on the account of {$420.00} dollars. I kept the check uncashed and when I gave the check to my mother I was already over 360 days. My mother does not speak XXXX and she tried to get some help to call the bank and explain the problem. My mother needed some help to explain the problem in XXXX. today my mother asked my XXXX to help me call the bank and try to get my check reissued. i had to talk to the bank representative and use my phone to verify my identity, but the representative informed me that because I did NOT cash the check which was issued on XX/XX/2019, it had expired and I had lost my money. I really do not understand why the bank could not issue a new check when other financial institutions are able to do it. The New York XXXX Funds has checks for years without being cashed and are waiting for the owners to claim it. I think Capital One practice only benefits the bank and does not take into consideration cases of those with XXXX or XXXX adults. I have caused some stress to my mom by sending money to scam callers in the past and so on. Can someone help me get my hardworking money back?
Consumer complaint received 2022-10-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (OK)

I am formally asking LVNV Funding to Cease and Desist communication in regards to this alleged debt that is negatively impacting my credit report. I never gave XXXX funding permission to communicate with me as a consumer or to communicate with me through any medium regarding this alleged debt. The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. My consumer report is in fact a medium in which is being communicated in regards to this alleged debt. My consumer report is in fact my reputation and my deputing is being hurt by something negatively reporting on there. I do not owe this alleged debt and all forms of communication needs to be ceased immediately. See attached letter for full information
Consumer complaint received 2021-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Last XXXX, I was notified by Bank of America that my automatic mortgage payment would not happen, due to their implementation of a new servicing system. So, in order to ensure my payment arrived on time, I manually made my payment. Then I was notified that my automatic payment was processed, resulting in two payments. I asked them to apply the 2nd payment to the following month, but for the next 5 months, they made repeated mistakes in correcting the loan payment, warning me about delinquency and even charging me late fees. Finally in XXXX, they resolved the issue and reversed all of the fees. I made my XXXX payment with no issues. 
Using their online banking application, they sent me an electronic bill for my XX/XX/XXXX Payment. I paid that payment on XX/XX/XXXX. Around XX/XX/XXXX, the notified me that I was late for my XX/XX/XXXX payment. I looked online and found they applied the XX/XX/XXXX electronically billed payment as principal curtailment. I need this corrected in less than 5 months. I have spent many many hours on the phone with them trying to resolve this. 

Here are the previous ticket numbers created by thier service desk and central escalation office. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

An unauthorized transaction of {$460.00} was posted by account via a " pinless '' transaction. The transaction occurred on XX/XX/XXXX in XXXX XXXX. I have never been to XXXX XXXX and worked in my office located in XXXX, Illinois ( USA ) on the date of the transaction. The transaction posted to my account on XX/XX/XXXX, was pending on XX/XX/XXXX when I logged in after being notified of the potential fraudulent transaction. 

After Bank of America alerted me of suspected fraudulent activity. I logged into my account morning of XX/XX/XXXX to see the transactions, then called bank to confirm the fraudulent transactions immediately after logging into my account and viewing the transactions. My claim was denied on XX/XX/XXXX via email. When I called I was told it was because majority of the transactions never posted to my account, however when I informed them that one transaction did post to my account, I was not provided an explanation on why it was denied. I was also not told that they will " reopen '' my case. I was merely told it would be expedited and I should receive my money before end of the week. When I did not receive any notification or credit, I called customer service and on the second call I was told my claim was denied because I failed to respond in a timely manner. Later that day I called to provide additional information as I had conducted my own " investigation '' and confirmed one of the chip transaction was authorized. I then asked again about the denial of my claim and was not given an answer and that the reason for denial relayed by the previous agent about my delayed response to file should not have been the sole reason for denial, however I was told it could take up to 60 business days for me to receive a credit on my account ( if I am provided one ). 

I have been given contradictory information regarding the denial of my claim and contradictory timelines on resolution. I have been credited the international transaction fee ( {$13.00} ) related to the {$460.00} transaction but not the transaction itself. I did not authorize this transaction and should not have to wait the sixty business days if I have not been provided an explanation for the original denial. The lack and inconsistency of information has been frustrating and my timeframe to alert the bank of the fraudulent transaction has been timely.
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

There was a bank merger between XXXX XXXXXXXX XXXX and XXXX XXXX, during the transition period, my debit bank tied to my account did not process a payment to XXXX XXXX XXXX XXXX. As a result, my account has been reported as late. This is a complete error, there was sufficient funds in the account, the bank provided a letter of proof of funds but the credit reporting bureaus and XXXX XXXX has refused to correct the error. This type of error on my credit report ( s ) is damaging and it's unfair. They continue to ignore my request after multiple requests to this company asking for resolution for the inaccurate late payment that's being reported.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( XXXX XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Consumer complaint received 2023-04-06
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENOVA INTERNATIONAL, INC. (CA)

Received a notice from this Collections company and on the notice they stated, " The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it, and we will not report it to any credit reporting agency. '' However, this was false and they reported this debt to my credit report. I have attempted to verify this debt as I do not recognize it, however, they have been unresponsive and uncooperative and telling lies on their correspondences. 

Attached PDF may require password to access, it is : XXXX
Consumer complaint received 2022-04-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OH)

I want to start off in saying I have had nothing but issues with this company since my loan was bought out by them. On XX/XX/22 I called Mr Cooper and advised them that the escrow statement I received from them was incorrect. There was no way I was over {$1100.00} in the negative when I had been making my payments on time every other week. The representative looked at the account and stated she had seen where 2 payments were taken out of my escrow account and paid to XXXX XXXX. I asked why that was because I only had 1 policy with them for {$740.00}. He stated she would have to transfer me to a different department but it " should be easily fixed ''. After a very lengthy hold I got another representative on the phone that looked again at my account and stated she saw a fax attached to my account requesting {$1300.00}. I asked if my name or account # was on the fax and she said no, the account # is different. I said then it needs to be fixed on your end. She asked if I would call XXXX and 3rd party her in so she could see where the money went. I advised her that I was not going to do that because I already talked to them and they told me they only received the {$740.00} on my account. They had no idea where the {$1300.00} amount was. She said her system would not allow her to call them. I advised her it was their responsibility to fix the problem. She said there was nothing she could do. At that point I requested a manager. I was placed on hold for approx 25 mins because " no supervisor was available. '' When the team lead from the Insurance Processing Dept ( XXXX ) got on the phone, I explained the entire situation to her and she placed me on hold to check the account yet again. She got back on the phone and advised that she saw the issue but it would need to be reviewed before anything was fixed and that would take 5 business days. I asked why it would take that long to fix their mistake. She stated that was just the process. I told her they really need to rethink their customer service as it is very poor. I took her name and # and told her I would be calling if it wasnt fixed by Monday XX/XX/XXXX. She told me she would call me once it was fixed. I called again on Friday and was told by another representative that the adjustment would take 7-14 days. It is now the 5th business day and my loan is not fixed. I just had my bi-weekly payment get pulled that was supposed to be for {$330.00} and was pulled for {$350.00} and it is higher than my normal payment because of this screw up. I have been more than patient about this. I have gotten a different answer every time I call and at this point feel that I am just being told whatever to get me off the phone. I called again on Monday XX/XX/XXXX and got told it would be 3 more business days.
Consumer complaint received 2023-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (CA)

Attempting to collect a debt from accounts that I never opened have never paid a single time and know nothing about. They are really old and they keep renewing the collection even though I have attempted to contact them and explain that it was not me and how it couldn't have been me. I don't think they looked into it at all because they thought that I would pay it just to get rid of it. There's no way I will pay a debt that is not mine. I take care of the ones I do owe and that's enough for me.
Consumer complaint received 2021-05-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AR Resources, Inc. (FL)

I have called and tried to get information from AR. I work for the XXXX  of XXXX. I went to my case manager who does our health insurance. She states. I owe no one and I have met my Deductible. They are collecting on illegal debit. I ask for detail billing have got nothing but a run around for a year.
Consumer complaint received 2021-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A. (TX)

I tried to complete my payment on several occasion over the phone unfourtunaly my job XXXX make me very dificlt to attend to the branch, PNC happen to acquire BBVA bank and the transition process has been horrible, I havent received my debit card or my credit card in the mail, I have tried several atempts to get it to my address, last atempt today they make an appointment at XXXX at a branch that only friday closes at XXXX, I tried to pay with my debit card over the phone calling the branch and been directed several times to the costumer service, costumer service pass me to credit card care department and they are not able to receive my payment with a debit card, they said their system dont allow them to receive a debit card payment, I receive the same response from costumer service one time one costumer service told me to doit in the website of PNC or with the mobile phone banking in the phone and follow his instruction they are not able. 
This been a horrible experience, now they posted a late payment in my credit report with a drop of XXXX point in my credit report. I called again costumer service in a recorded line and I am now able to pay. I will need to loose a day wage in order to go and make a payment and now my credit its been affected in a irreparable way. On top of this its almost XXXX min for everytime to talk to a representative.
Consumer complaint received 2021-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I requested that late payments on my account be validated for XXXX XXXX account # XXXX and XXXX account # XXXX and XXXX XXXX XXXX XXXXK account XXXX XXXX this is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute of the validity of the reported late payment from my credit file your bureau provided me. to be more specific, based on FCRA 611 ( a ) ( 7 ) ( b ), you were required to forward all of the relevant information provided by you to the creditor for their investigation of my dispute. After contacting the creditor i have been led to believe that THIS did not take place. this is a clear violation of the FCRA and the FCBA. You DO UNDERSTAND that per your own definition of it, YOUR VERIFICATION process, that is, e-OSCAR, is a web-based, METRO 2 COMPLIANT, automated system. Undoubtedly this cements the DUTY to present to me writ composed physical evidence for every single one of the aspects to the proper XXXX enacted XXXX implemented Metro 2 data field formatted COMPLIANCE regulations and the standards of reporting practices as related to it. I have contacted the creditor and they have stated that they are unable at this time to document these payment irregularities, by omission the creditor is in direct violation of the FCRA-tort law example : Fields v. Wilber Law Firm, Donald L. Wilber and Kenneth Wilber, USCA-02-C-0072, 7th Circuit Court, Sept. 2004. I demand that you take action to correct your errors I request that you provide me with written documentation of how and what means you used to verify these payments. Under the terms of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) I am exercising my rights and formally request that you provide a COMPLETE amended copy of my credit report when your investigation is completed for my records showing that these late payments have been removed. Should you feel, ERRONEOUSLY so, that the mis-information is adequately and COMPLET
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

Hello to who it may concern, my name is XXXX XXXX XXXX. i am a victim of identity theft, also when i pull my credit report on XX/XX/2019 i saw that a lot of the information was not mine i did a police report as well as a identity theft report. my FTC report number is XXXX, i send the information to al 3 credit bureaus plus the companies but XXXX  keeps on sending me a credit report with a name that is not mine. i send multiple times the both report policy and identity theft but it seems that they don't even look at it. 
in-reference to the accounts all of then got erase, but my personal information has not been update. 
now i see that for the bankruptcy all 3 bureaus there are not reporting it correctly and also to my understanding by the FCRA all information needs to be accurate and complete i send then poof that information that they are reporting is not complete and accurate. i send letter on XXXX, XXXX, XXXX XXXX, and XXXX but they keep sending me the same answer. i had ask then to send me proof but they don't send me anything.
Consumer complaint received 2021-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (SD)

Chase Bank gave a card to someone else. I am a XXXX XXXX veteran in a wheel chair. I had a XXXX attach and a XXXX and I went XXXX but I see at distance but I can not read. I have had 1  card for 21 years. I never had a chase card. total amount {$720.00}.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (FL)

NewRez - Shellpoint Mortgage reported me for being late on my mortgage payment for XX/XX/2021 in the amount of XXXX. During the pandemic I am struggling to keep afloat and pay them within every month. My mortgage payment is XXXX. If I am current in XXXX & XXXX How can I be delinquent XXXX in XXXX? This is incorrect reporting. I might not pay on the first but I never pay after 30 days. This not fair to people that work hard to make ends meet. You have people that are on forbearances because of COVID19 that can afford to pay. I have been affected by COVID19, and I am making ends meet but this is how they treat me. Report inaccurate information on my credit report and call me daily. I requested a Life of Loan payment history, and Escrow Analysis. I still have not received that. They are sending me letters requesting foreclosure fees paid, when the loan was modified and foreclose fees are included in the MOD balance as capitalized interest. This company is doing illegal things. I would like a copy of the lifetime of the loan payment history and escrow. So, I can look at the capitalized interest. this is a new servicer, and they are like a debit collector. You cant collect on fees that are included in the balance when the loan were modified.
Consumer complaint received 2018-02-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (PA)

I have contacted ChexSystems on a number of different occasions about the inaccuracy of an account that they are reposting in my credit file ( XXXX XXXX ). They have done nothing to try and help me resolve this issue except tell me to reach out to the back in which I did and spoke with a rep name XXXX who had no idea what account I was speaking of and said that he is unable to help me but he would forward my complaint over to his chairman. I am very frustrated with this issue as it has stopped me from being able to open a bank account
Consumer complaint received 2021-05-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company (GA)

I paid $ XXXX in arrearages and got approved for a loan modification. I received a letter from Guild Mortgage Company stating that my Escrow was short and it was short because out of the monies they received they only put in {$1.00} for my escrows monthly. Even though all of the monies that was requested was paid, Guild Mortgage didn't allocate the correct amount to my escrow account which made me short and my payment increased outside of approved loan modification amount I was approved for. 

I need someone to go back into the account and apply the accurate amount of funds to my escrow in order for the insurance and taxes increase to reflect the correct amount of around {$44.00} and not the XXXX and something it is showing that I am short for.
Consumer complaint received 2020-09-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Credit Lending Services Inc. (AZ)

On XX/XX/2020 my vehicle was totaled. My insurance company has been in direct contact with credit lending services about the total loss payment. My insurance company is paying off the full amount of my vehicle and check was sent XX/XX/2020. Credit lending services continues to call me multiple times a day and harassing me to make a payment when my insurance is paying it off. Credit lending services has also said they can not get paid until I pay double my car payment which is. Credit lending services continues to call knowing the check is on the way to them.
Consumer complaint received 2022-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit reporting act XXXX Account number XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 


15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It is also states a consumer reporting agency can not furnish a account without my written instructions.