davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-18
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: EVERBANK, NATIONAL ASSOCIATION (NY)

CD matured XX/XX/2018, maturity notice was sent to my address at XXXX XXXX , XXXX . 
I closed the acct., check was not received, called bank and was informed cd was closed and check sent. I called again and was informed check was sent to my winter address in XXXX. and after several attempts to deliver it, check was returned to bank. Check would be arriving by XXXX XXXX XX/XX/XXXX. When it didn't arrive, I called again, it has been 24 days that this money, over {$40000.00}. has not been receiving interest and now told XXXX XXXX will deliver it XX/XX/XXXX. How can a bank treat a customer like this? If I rec. check on XX/XX/XXXX, it will be 25 days, I have been without the use of this money.
Consumer complaint received 2019-11-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (FL)

I am writing to report a bank error that is affecting me in a huge way. My name is XXXX XXXX. My SSN XXXX, my Date of birth is XX/XX/XXXX. I tried to solve this issue with JP Morgan Chase but they refused to give me a fair solution. I have an account with JP Morgan Chase bank. Account information : JP Morgan Chase-Auto Finance. Opened date : XX/XX/XXXX. Highest balance {$50000.00}. 

I processed my payment for XXXX ON TIME ( two days before the due date ), as I always do every month. This time, I paid through the online banking, looking for a way to make it easier for me. For any reason, the web site indicated that the transaction was SUCCESSFUL. 

I never received a late payment insertion or at least a call from Chase to warn me about my reports getting a hit, that is a clear violation to the Fair Credit Reporting Act. 
I have never been late in my life. This is the first time that a late payment is reported in my credit history and is because of a BANK ERROR. I NEVER RECEIVED A LATE PAYMENT INSERTION BY MAIL. This is negligence, UNFAIR BUSINESS PRACTICE, breach of contract and the list of violations can go on once I sat down with my attorneys. 

I must say that Ive been trying to set up auto-pay through the JP Morgan Chase website for more than 1 month ago, but I have not been able to because this website is not friendly at all, its very hard to understand. That is why I processed a onetime payment two days before the due date. Ive been always willing to process my payments on time and this is the reason why I have an excellent credit score, but this wrong information reported to the credit bureaus is killing me. It seems that Chase bank intentionally make this automatic payment very hard to do online and pretty sure it is not the first time you here this. 

I demand a deletion letter from the mentioned company as soon as possible so I can provide to my mortgage company and get approve with interests I want. If Chase Bank refuses to provide letter of deletion letter through CFPB portal, I will not think twice to take this issue and be decided by a judge in a Court of Law. Thanks to whomever reads my complaint. 

Please see ATTACHED BANK STATEMENT as proof of funds at the time the payment with Chase was due. Proving this was not a money factor or even worst that I wouldnt want pay.
Consumer complaint received 2019-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

Incorrectly is still on my credit report ; Please remove the accounts as requested previously. All of these were already dismissed via XXXX claim etc // Should've been removed YEARS ago. 

Thank you for your help.
Consumer complaint received 2022-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Hi, Please could you help. I have contacted Shellpoint Mortgage/NewRez multiple times about money owed back to me but they keep ignoring me. I refinanced out of my former loan with them ( loan # XXXX ) on XX/XX/XXXX - per the attached is the wire payment of the loan in full from the escrow officer. 

The payoff statement calculated by Shellpoint Mortgage for a loan payoff date of XX/XX/XXXX was provided by Shellpoint Mortgage ( attached ). The loan was however paid off 8 days early per the wire instructions email from escrow. There is a {XXXX0} daily payment on the loan, so since it was paid 8 days early, {XXXX} should come back to me. Instead they sent me a check on XX/XX/XXXX, almost 3 months later for {XXXX} ( attached ). 

I have reached out to them multiple times but they dont do anything and just ignore me. They are stealing money. 

They have on occasion sent me a secure message by email but the link never works and I have told them about it but they ignore that too. 
XXXX XX/XX/XXXX I received a secure message - I click on it within minutes of receiving- but it says " The file link is no longer valid or has expired '' - On XX/XX/XXXX @ XXXX I receive another secure message - click the link at XXXX - but it says " The file link is no longer valid or has expired ''. I email back - no response ( email attached ) On XX/XX/XXXX @ XXXX I email following up again - link does not work- and I am ignored again ( email attached ). 
Time and time again they send links that cant be opened. They ignore me when I reach out and months later they don't give people the money they owe. They are stealing money and ignoring clients when they reach out. 

Please can you help since they are unresponsive. 

Thank you, XXXX
Consumer complaint received 2024-05-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (NC)

I had gotten a text the morning of XX/XX/23 that there was fraudulent activity on my account. Checked my account all founds were there, and no charges posted. Later that afternoon I tried to buy lunch and came to realize my account had been closed. I immediately called and was told by a chime customer service agent that my account had fraudulent activity and to read their terms and conditions and hung up on me. I was at work while trying to figure out what had happened. I tried calling 3 more times and was hung up on every time. I had more than ~ {$380.00}. ( For an upcoming car payment. ) I also emailed them and got what I believe to be an auto response. Saying my identity was not valid. This was not a new account... I had submitted a formal complaint to the XXXX, as I was not familiar with what agency to reach out too for assistance. Also, with it being the amount it was I didn't want to add an expense for an a attorney, I likely wouldn't be able to afford. I still have yet to receive the money from my account that was closed.
Consumer complaint received 2019-11-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lamont, Hanley & Associates, Inc. (TX)

On XX/XX/2019, I was served with a citation on a lawsuit from XXXX XXXX XXXX with XXXX XXXX XXXX listed as the attorney for the plaintiff. After much research, I discovered that XXXX had actually referred the account ( they still own the debt ) to XXXX XXXX, a collection agency, per XXXX. XXXX XXXX claims that they are not a collection agency and that they referred the account to XXXX XXXX XXXX, a collection agency law firm. I never received any type of communication from XXXX XXXX XXXX prior to being served with a citation. I sent XXXX XXXX XXXX a request for debt validation. The only thing they sent me was a few of the bills from XXXX and where I had applied for a credit card with XXXX on the Internet. That in no way validated that they had the authority to collect the debt. 

I hired an attorney to represent me. I could never verify with the court whether or not he responded to the suit, since I said I had an attorney, and could also never get the attorney to call me back. I have filed a complaint with the State Bar Association of Texas due to the attorney 's negligence. 

Today, XX/XX/2019, I received a letter from the court stating that a default judgment was decreed since there had been no response to the summons. I will be filing a separate complaint with the FTC against the attorney. 

My complaint against XXXX XXXX XXXX is their violations of the Fair Debt Collections Act, by not sending me any communications of my right to dispute the debt nor validating the debt. I have not signed any contract with XXXX XXXX XXXX.
Consumer complaint received 2019-11-01
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. (NV)

Incorrectly is still on my credit report ; Please remove the accounts as requested previously. All of these were already dismissed via XXXX claim etc // Should've been removed YEARS ago. 

Thank you for your help.
Consumer complaint received 2023-02-23
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. (AZ)

In accordance to the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected censumer rights to privacy and confidentiality under 15 USC 1681. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report, agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I signed up for a 360 Checking account based the promise of a {$400.00} bonus. I complied with the terms, but the bonus still has not been paid. The terms said they would credit the bonus by XX/XX/2021, and that is today.
Consumer complaint received 2024-04-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC (AL)

Wakefield closed a previous case stating that they requested to the bureaus to remove the item from credit report that they are reporting however after over a week of checking and calling NO SUCH THING HAS BEEN DONE. They lied and did not remove it.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (CA)

This is about a collection account reported on my credit reports by XXXX XXXX XXXX, a debt buyer. The original debt was from Synchrony Bank XXXX Paypal Credit. THE DATE OF DELINQUENCY IS INCORRECT. My credit report shows that XX/XX/XXXX is when the debt first became delinquent. The true/real date is at or about XX/XX/XXXX.
Consumer complaint received 2019-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (NV)

Incorrectly is still on my credit report ; Please remove the accounts as requested previously. All of these were already dismissed via XXXX claim etc // Should've been removed YEARS ago. 

Thank you for your help.
Consumer complaint received 2018-09-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC. (CO)

I was served with paperwork in XXXX for a lawsuit on an old credit card. I entered into a payment agreement with the debt collector to stop the lawsuit. Last week, I got paperwork in the mail that they were pursuing a default judgement. 

On XX/XX/18 at XXXX MST, I called the debt collector to see why I got this paperwork since we were in a payment agreement and they replied that the judgement had already been awarded and I should pay the full amount immediately to avoid wage garnishment. 

The next day I got a notice in the mail that the judgement hadnt been awarded, in fact, the motion was denied as the next step would be a pre-trial conference as I had answered the initial lawsuit with our payment agreement information.
Consumer complaint received 2020-10-22
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. (FL)

I HAVE REVIEWED A RECENT REPORT OF MY CREDIT AND FOUND SOME INNACURATE ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE DEROGATORY ACCOUNTS DOES NOT BELONG TO ME AND THEY ARE CAUSING A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. IT HAS BECOME VERY STRESSFUL TO ME BECAUSE I SHOULD NOT HAVE TO GO THROUGH THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-10-22
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)

I HAVE REVIEWED A RECENT REPORT OF MY CREDIT AND FOUND SOME INNACURATE ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE DEROGATORY ACCOUNTS DOES NOT BELONG TO ME AND THEY ARE CAUSING A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. IT HAS BECOME VERY STRESSFUL TO ME BECAUSE I SHOULD NOT HAVE TO GO THROUGH THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2019-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

My card was declined on a Friday Night, I was completely lost as to why it was declined as I had the available funds within my account. Upon calling Wells Fargo, they said they were unable to process a single {$580.00} transaction, despite having funds available within the account, because of a {$500.00} daily limit is imposed, even with identity verification.
Consumer complaint received 2018-07-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (TN)

We had a mortgage with XXXX XXXX XXXX, everything was fine until we had a wind damage insurance claim. the Insurance co ( XXXX ) sent us a check to be endorsed by us and the mortgage company on XX/XX/2018 in the amount of {$22000.00}. the rules kept changing on how to get the contractors paid. I got my insurance company to call five times to help get this problem resolved. I told them that I was going thru the Cal. DOJ if we did not get the checks. On XX/XX/2018, they sold my loan to Selena Finance XXXX XXXX XXXX XXXX. XXXX, TXXXXX, XXXX. I called Selena and they said a balance of {$9000.00} was transferred, However : no insurance or claim adjusters report were forward and Selena said, I could resubmit all the paper work again. I am aXXXX % XXXX XXXX veteran and my ceiling is falling down. I had the roof repaired and floor replace ( paid ) the ceiling and paint still needs yo be done. I have been back and forth since XX/XX/2018 and has cost me {$78.00} in mailing all this paper work. I am not going to do this again. I will send the appraiser cost for repair.
Consumer complaint received 2019-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Hello I recently lost one of my grandparents + had to essentially up-root my life / relocate and wasn't able to keep my job, unfortunately this account fell behind in the process however I need this to be fixed. I've recently been re-reviewing my finances and need a resolution to make the account current and get the late payments removed if possible.

Thanks for your understanding
Consumer complaint received 2019-11-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

on XX/XX/19 I initiated a conversation with a seller for a pitbull puppy. After talking said seller requested I send payment through an app called Zelle. I had never used this app and asked if it was guaranteed and was told yes. I quickly downloaded the app added my debit card and tried to send the full payment to which I wasn't able to do. I was advised by the seller to try to do half in which case I was able to do so in the amount of {$350.00}. However, it would not let me send anymore and the seller told me to wait until the next day and try again. XX/XX/19 I did so and was unable to so my husband downloaded the app and sent the other half which was {$300.00} via his debit card linked to the app. After some conversation with the seller was told the puppy would be available for me to pick up at the airport by XXXX the next day. The morning of the day of the puppys arrival XX/XX/19 I got an email from the airport requesting I send XXXX $ more for insurance I immediately got the hint that this was a scam. I called to no avail I messaged and told the seller that this was happening and I wanted my money back and they said they would I gave them until XXXX when I was headed into my bank and they did not return my money. They then blocked me so that I could not communicate with them. Since then there page has been removed and I have filed police reports and reports with XXXX and with my bank, I filed with my bank on XX/XX/2019 they investigated and told me they couldnt help me on XX/XX/2019 So I asked for them to redispute these transactions on XX/XX/2019. I spoke to Zelle onXX/XX/2019 and they would not give me any information regarding the other party who took my money and refuse to give me any help to retrieve my money.
Consumer complaint received 2018-09-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Meade & Associates, Inc. (TX)

I just began the credit repair process and when pulling my reports Meade & Associates has been reporting to my credit since XX/XX/XXXX. Around XX/XX/XXXX I was contacted by someone from their office asking if the named doctor was ever my physician after identifying what office they were calling from and what it was for I advised I owe nothing to that doctor 's office. If I did, I was not properly notified. My cellphone number has been the same for years I never received a call. As of XX/XX/XXXX I've sent a pay for delete advising I am not claiming this debt as mine but for the sake of my credit I want to pay it off and get rid of the history of this account in its entirety. No response was given. On XX/XX/XXXX I mailed a certified letter requesting validation of this debt. The letter was signed for by initials XXXX on XX/XX/XXXX. I've learned a debt can not continue to be reported or updated to my credit report until it is verified. I did not receive an answer. On XX/XX/XXXX Meade & Associates updated the debt on my credit report again. They refuse to allow me to settle this debt along with refusal to verify this debt.
Consumer complaint received 2020-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX I opened this Bank of America bank account in California {$300.00} deposit for account opening. 
XX/XX/XXXX I received a wire transfer of {$18000.00} XX/XX/XXXX BOA charges me {$15.00} for wire transfer fee XX/XX/XXXX Then i see my account shows Hold PENDING DEBIT/HOLD ON XX/XX/XXXX - {$880000.00} I don't know why this happensXXXX I ask customer servicecustomer service told me They need to wait 24-48 hours to know why. 
XX/XX/XXXX I contact customer service againXXXXShe transferred me to the so-called internal fraud departmentThen tell me that the phone number of this department can't be made public, only the transfer can be transferred. 
Internal fraud department asked me for account informationTell me they need to review {$18000.00} this wire transferthen, Until the end of the review, my account will be put on hold until XXXXThey will tell me the answer within this deadline. 
I ask why it takes so long? Do you need any information? I can provide. and i ask I can't wait so long, you can return this wire transfer? 
Customer service tell me all can't Bank of America seized my money unconditionallyDo n't give me any reason
Consumer complaint received 2020-11-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Direct Home Loans, LLC (NC)

Dear Sir/Madam : Unfortunately, I need to file a complaint for a Dodd-Frank violation against DHL Mortgage Company in XXXX, NC. I was employed by the company from XXXX,XX/XX/XXXX until XXXX,XX/XX/XXXX I have been a loan originator in the mortgage industry for over 25 years. 

During the final month of my tenure with DHL, the company started paying me based upon their profitability on the loan rather than the loan amount. They illegally punished me for the costly lock extensions that were necessary due to their companys inability to process or close loans in a timely mannermany of these loan applications were taking upwards of 150 days to close due to the lack of loan processing and closing administrators. 

Additionally, they retroactively charged me more than my entire commission for three loans that were prepaid within six months.

I am attaching an email from the president of the company which explicitly outlines these illegal activities. 

I am also attaching a copy of my work agreement with my previous firm, XXXX XXXXXX/XX/XXXX which explicitly outlines my loan payments that were completely in compliance with the Dodd-Frank that states that originators can no longer be compensated based upon the profitability of the loan, only based upon the loan amount. 

I am unaware of whether this practice by DHL is related solely to my loans as an originator or if it is a company-wide procedure for the other 6 loan originators at the company. However, I would like to request an investigation of this matter by you at your convenience. 

Thank you for your time, XXXX XXXX XXXX NMLS XXXX XXXX