davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

Regarding Experian report number XXXX obtained XX/XX/XXXX, I received a collection on my credit report from XXXX XXXX XXXX XX/XX/XXXX a balance reported of {$57000.00}. 
I never had a signed agreement or an account with XXXX XXXX XXXX. 
" In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. According to 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 166 B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. ''
Consumer complaint received 2022-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (CA)

Hi my name is XXXX XXXX I had an account with us bank Me and my wife worked at the same company my company sent money to my account like they always did for my work which was XXXX the bank thought it was fraud and it wasn't my employer verified the bank was suppose to send the money back to my employer so he can redirect it to me this was way back in 2019 my employer still claim the bank never sent him back the funds and the bank refused to give me any kind of proof where they sent money all they do is claim it was sent back that's a lot of money I ask for proof they won't never give me proof and talk nasty to me the lady at the bank was nasty at me treated me bad told me not to come back in someone did something with the funds they never sent it back my employer would not lie the bank branch address is XXXX XXXX XXXX XXXX XXXX XXXX California XXXX could you guys write them and see why it they are not helping m we find out where they actually sent the money to and if they did it's XXXX $ of my hard earn money they just took and never sent back I put the email from employer stating they never received the money back instead of dodging me or not helping can you write them and also send a letter to there corporate office
Consumer complaint received 2018-02-28
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

Ocwen Loan Servicing is using insider relationships with its crooked law firm XXXX XXXX who is training fairly new lawyer XXXX XXXX to assist the pretender lender loan servicer with embezzlement white collar crimes so the pretender lender loan servicer can temporarily increase its revenue.. I will be filing a lawsuit again XXXX XXXX law firm and its crooked lawyer XXXX XXXX for assisting with fraud claiming to have looked at all the documents having personal knowledge using its cozy relationship with XXXX threatening me with trustee sale coursing me into hundreds of thousands of dollars in fraudulent increased modifications releasing Ocwen from liability denying me to have any rights to discuss Ocwen white collar crimes with Congress and others, attempting to trap me into a cornier during the time I was under physicians care. I have already consulted with personal injury lawyers who are currently working with authorities and my physicians on my matter preparing to file action against XXXX XXXX. I will never lay down to Ocwen white collar crimes and its shady relationship with XXXX XXXX who is assisting with embezzlement which has caused me and my family serious permanent extreme harm which can not be reversed.
Consumer complaint received 2019-08-20
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. (NJ)

THE DISPUTED ACCOUNT AND INQUIRIES DOES NOT BELONG TO ME, THE ACCOUNT IS INACCURATELY PLACED ON MY CREDIT FILE AND I WOULD LIKE TO HAVE THEM REMOVED. THE NEGATIVE ACCOUNT HAS HINDER MY CREDIT FILE AND HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT FILE AND NAME. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT ONLY ACCURATE ACCOUNTS.I AM VERY DISTRESSED THAT THIS ACCOUNT HAS BEEN REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE, I ASKED THAT THIS ACCOUNT BE PURGED OFF MY REPORT.
Consumer complaint received 2021-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (GA)

A dispute was resolved in my favor so chime credited my account {$5000.00}, on a provisional basis on XX/XX/XXXX, but then the provisional credit was turned into a permanent credit on XX/XX/2021. For some reason the bank made a negative {$5000.00} adjustment to my account on XX/XX/XXXX after adding {$5000.00} credit. So on XX/XX/XXXX when they subtracted {$5000.00} and added it back to take away the provisional credit and add the permanent one, the {$5000.00} credit only reversed the negative {$5000.00} balance and I ended up with a XXXX  balance so no check was issued to me. 

I closed this account XX/XX/2021 so all of this happened after the account was closed. 

Ive called and emailed so many times I cant count. The investigation team keeps denying my claim and Im not allowed to speak to anyone on that team nor email them. Ive escalated this to the investigation team within the dispute department four times and I get the same answer each time, a final decision was made and we already credited the account with the {$5000.00}. Theyve never told me why they made a negative {$5000.00} adjustment on XX/XX/XXXX, which seems to be the error. I received no money from chime since the credit was applied to my account and I was told by a manger in the dispute department that there was nothing they could do other than continue to escalate the issue to the investigation team and see if they give me a different answer. Of note, the manager in the dispute department agreed with me and understood that I am owed {$5000.00} but said he could not do anything about it. This was on Tuesday XX/XX/XXXX.
Consumer complaint received 2020-11-23
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Consumer Portfolio Services, Inc. (MA)

I see multiple 30-90 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (WV)

My name  is XXXX XXXX XXXX please remove any variations of my name they are not accurate. My current and only address is XXXX XXXX XXXX, XXXX, WV XXXX. My SS is XXXXXXXX DOB XX/XX/XXXX.Please delete the following addresses from my file they are not accurate:XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted a Factual dispute to Equifax, XXXX  and XXXX  on XX/XX/XXXX. It was regarded a late payment and incorrect reporting as well as inaccurate account numbers discrepancies in the difference dates of the reported late payment on each credit report. I submitted supporting documents and never heard back. My reports never updated to show account in dispute. I made several calls to them and nothing was done. I waited at least 45 days and called and one by one each credit bureaus claimed to have completed their investigation and never mailed me any proof. Equifax actually removed the late payment and then reinserted it back on credit report. XXXX  has a 90 day late reporting for XX/XX/2018, Equifax has it showing XX/XX/2018 and XXXX has it showing late XX/XX/2018. I further disputed the way the late was reported. No 30 or 60 day late the jump to 90 day late which the FCRA 609 guidelines clearly states is unlawful.
Consumer complaint received 2021-03-29
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LoanCare, LLC (AZ)

My loan was paid on time. I have never been late but Loan CareXXXX XXXX the servicer was called today after receiving a letter for me to pay XXXX  late fee, When I called their automated system XXXX @ XXXX XXXX 5 times it states that my loan payment of XXXX was processed on XXXX company is filled with annoying charges that effect consumers credit. I called XXXX Bank and they verified that this payment had been made and summitted on the XXXX date that XXXX XXXX acknowledges on their recording. I do not want anything showing late mortgage payments. I already have a complaint against this company with XXXX XXXX
Consumer complaint received 2022-04-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AK)

This is now my second complaint with Carrington Mortgage services which was XXXX. This complaint was finally addressed and I was made successor in interest. Since that time I've been attempting to assume my mothers loan with Carrington ( XXXX XXXX XXXX # : XXXX ). The last thing we are waiting on is for probate to close in XXXX XXXX so the new title can be issued in accordance with my mother 's will. I've informed Carrington that the delay is with the courts, and I offered to have a letter from our probate lawyer to verify that is indeed the case. It seems that even with a " cloudy title '' as they themselves have described it, they've decided its okay to now start the foreclosure proceedings. Every rep this year has told me something different and at this point I have no clue what I need to do to assume my mother 's loan. Which was over a year ago now as well.
Consumer complaint received 2021-04-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

In XX/XX/XXXX I began the process of refinancing my home with Fifth Third Bank. All along I have checked in on the status because of the length of time and was assured that everyone was very busy but there were no problems and the refi was moving along. In XXXX, nearly 6 months later I was informed because of the lady bird deed on my house, the refi could not be done unless it was on file with the county that my home had been deeded out of my trust ( not just signing paperwork but on file with the county which takes another 10 weeks XXXX, then I would need to begin the 6 month refi process again. 
They had the title for 5 months and no one reviewed this while I was told when I checked on status there were no problems. On XX/XX/XXXX when i was informed of the above problem with my deed, I began the process of refinancing with another bank. I was able to lock in at XXXX instead of XXXX interest rate and it finalized on XX/XX/XXXX, a total of approximately 3 weeks. While I can accept that banks have different guidelines, it is unreasonable for Fifth Third to notify me after having my deed for nearly 5 months that they could not complete my refinance without me filing my ladybird with the county and starting the refinance process all over again and waiting 6 more months! 
I tried to stay loyal to the bank that had my existing mortgage and unfortunately it cost me not only 1 % interest rate but the {$390.00} appraisal fee that they refuse to refund. I did not think a refund of the {$390.00} appraisal fee paid on XX/XX/XXXX via my debit card was unreasonable for services that could not be performed. Below is an outline of the attempts I have made to resolve this matter. I also have saved my email correspondence should you need it. 
XXXX XXXX-Began refinance with Fifth Third Bank XXXX-informed title would need to be changed, filed with county and after approved refi begin again. 
XXXX XXXX was to forward my request for appraisal refund to management. No one from bank contacted me. 
XXXXSent email to several members of Fifth Third Bank what happened above and the manager XXXX XXXX replied she would forward to mortgage dept. No one from bank contacted me. 
XXXXStopped in bank and saw XXXX XXXX. She was apologetic and sent another email to the mortgage department regarding the refund. No one from the bank contacted me. 
XXXXI sent another email to XXXX XXXX asking for update. I heard back from a XXXX XXXX or XXXX XXXX in the mortgage department that said I was not approved for the {$390.00} appraisal fee refund. When further discussed he said it was simply his job to deliver the news. He did not have to agree with it but there was nothing he could do. I can not believe a large bank would do this to a customer that tried to give them their business. They were not able to complete the refinance after 6 months and I do not think their decision to keep my appraisal fee for a refinance that could not be completed by them is fair.
Consumer complaint received 2019-08-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Problems with Transunion removing items already disputed and indicated as deleted.  Problems with XXXX   point drop in credit score for no reason.Problems with their IT systems and reporting to the XXXX   system and online credit monitoring service.
Consumer complaint received 2022-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BMO Bank, N.A. (FL)

I, XXXX XXXX, Managing member of XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX. 

I have applied for a business credit card with BMO Harris Bank in the name of the business to be sent to my office. 
I have NEVER received the card nor have I activated or attempt to make any purchase with it. 
I was out of the country from XX/XX/XXXX until XX/XX/2022 and again I have never used the card because I was never in possession of it. 

On XX/XX/2022 I logged online to pay my personal credit card and I noticed a business card ending in # XXXX ( a business card ) with charges made at XXXX, XXXX and other businesses totaling more than 7.000.00. 

These charges are fraudulent, I never received the card, I never made any purchases nor have any of my employees ever had access to this card. 

Please investigate the matter and prosecute it to the fullest extent of the law. 

Thank you XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

My account was limited because of what they deemed suspicious activity. Only the activity in question was all done by myself and there was no suspicious or illegal activity going on. Now my account is limited and I can not unlink my card which is connected to my primary bank account. This is an uncomfortable situation as if my account were to be compromised my banking info could fall into the wrong hands. Additionally I also can not close the account even though I have no outstanding fees or balances.
Consumer complaint received 2020-09-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

Hi i have a CD with bank of america worth XXXX $ that is tied to a business credit card as collateral that is set to expire this month and they said they are gon na renew the CD and not release it from what i read in a letter in the mail ... 

So i want to release the CD and get my money back, i tried calling there phone support and they transfer me to there business team which just automatically hangs up on me or is never open and I tried in branch but they seem to be clueless no one at bank of america seems to want to help with this can you guys please help? 

Thanks!
Consumer complaint received 2019-08-20
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. (FL)

According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.XXXX XXXX,XXXX XXXX XXXX,XXXX XXXX XXXX,XXXX XXXX  and XXXX XXXX XXXX
Consumer complaint received 2021-05-26
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: CITIBANK, N.A. (CA)

company name : XXXX XXXX XXXX XXXX  XXXX US {$2100.00} on XX/XX/2020 CITI BANK CREDIT We received your documents We'll update you once the investigation closes Thank you for providing additional documentation were reviewing your case details Thanks for getting back to us with more information about your case. Its all under review, and well be in touch shortly. 

CONDITIONAL CREDIT APPLIED This credit will typically post to the primary cardholders account within 2 days of the dispute being opened. 

Card details Card ending in - XXXX Reason for Dispute Canceled service / goods Credit Status Conditional credit applied Case ID XXXX
Consumer complaint received 2022-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (CA)

Here is my actual score from XXXX ... XXXXAmerican Express XXXX and said it was XXXX when the actual score is XXXX... here are the direct notes from XXXX ; XXXX XXXX XX/XX/2022 XXXX GOOD XXXX POINTS XXXX XXXX See what's changed
Consumer complaint received 2021-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

I made a deposit of {$10000.00} casher 's check XXXX XXXX it did not post until the XXXX and then I proceeded to pay off my credit card. The first problem was they wanted to put the casher 's check on hold until after the XXXX XXXX  so I could pay interest on this twice. They reluctantly took the payment for the credit card. {$6600.00}. Then they double payed the card out of my checking account. This put my account over the limit and cause non sufficient funds penalties. Now my account is frozen and they said the would contact me at their convivence. And then I could ask to have the overcharges reversed and the extra interest with it.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (NY)

I opened this account in early XXXX and closed and paid this account in XXXX/XX/XX/2019. I noticed on my credit report that the account was still showing I owed a balance of {$870.00} and a monthly payment of {$150.00}, as well as saying I was late two or three times. This information was incorrect, and I emailed them and called on the phone. They asked me to provide proof so I attached pictures of my credit report. They told me it would be fixed, it was inaccurate and would be updated on XX/XX/XXXX. I waiting over a month, and checked my report to find that all reporting agencies had updated except XXXX. I reached out to XXXX filed a dispute and submitted documents to them showing proof the information was inaccurate. On XX/XX/XXXX XXXX said the documents were verified Accurate. I find out today, the last time Self Lender reached out to them to update information was on XX/XX/XXXX, and have not actually check any accuracy on my account. Mind you my email correspondence with Self Lender was on XX/XX/XXXX. Since then there has been no luck, and XXXX should have deleted the account because falsely stated it was verified accurate, when they never spoke with Self lender to verify it's accuracy.
Consumer complaint received 2019-08-20
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)

Please reverse the late payments reported for this particular account: XXXX XXXX XXXX The account was never past due, i never made a late payment to this company ever please change this , i have a good relationship with this company.
Consumer complaint received 2018-02-28
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: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/2018, my daughter attempted to withdraw {$200.00} from a XXXX ATM XXXX XXXX XXXX XXXX Texas from my American Express Serve, prepaid card. The ATM displayed several error messages like card reader issues. Her last attempt she stated the machine made sounds as if the money was transmitted, however the cash never dispensed. I contacted American express and initiated a dispute. I faxed the required documents at least twice within the ten day time frame. On XX/XX/18 American express completed their investigation stating the ATM confirmed the withdrawal. On XX/XX/18 while using the same ATM the machine displayed the amount requested of {$500.00} was too large, I then requested {$400.00} and the same message appeared. I lowered my request to {$100.00}. The machine made sounds as if the money was dispensing. Took longer than normal. Finally a message appeared on screen stating they could not dispense the cash and to contact my bank. I contacted American express again regarding both transactions and I am awaiting response. I attempted to contact them on the first dispute but their automated phone system continued to drop calls. I also requested a copy of their investigation report and have been refused that copy.