davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2022 a counterfeit check was presented to my account in the amount of {$4900.00}. I notified Chase Bank that the item was not mine. The check was returned unpaid The same day I closed the account and was told that I would be mailed a check for {$4900.00} since I did not want to reopen an account at Chase. 

No check was sent. On XXXX I contacted Chase Bank again and was told that this was being escalated to management and a letter would be sent with instructions on how to pick up a cashiers check at any branch. 

XX/XX/2022 I went back to the branch and was told that a check was in the mail. 

XX/XX/2022 Went back to the branch and was told again that it was being escalated to management and a XXXX tracking number would be provided so that I could track the check in question. 

To this date no check or tracking number has been received.
Consumer complaint received 2022-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Elevate Recoveries, LLC (GA)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2022-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OK)

On XX/XX/XXXX Mr. Cooper claimed to have received the only RESPA Notice of Error I have sent them in XXXX dated XX/XX/XXXX. See attached. Nationstar accepted an over charged amount for late fees of {$2800.00} and internally allocated {$11000.00} indicating an inaccurate XXXX late fee payments were made. Nationstar mailed me XXXX false outbound account reports concealing this fact in lines XXXX. XX/XX/XXXX the company 's counsel sent me by email an internal account history claiming XXXX inaccurate allocations of {$2700.00} and XXXX of {$110.00} and I verbally disputed this and XX/XX/XXXX Nationstar again sent their counsel a false claim of these lines being updated in a letter through the mail dated XX/XX/XXXX. I used this statement to rely on to govern myself through court pleadings and XXXX invalid agreements with Mr. Cooper. 
XXXX through XXXX of XXXX I requested a copy of the account history and received XXXX XX/XX/XXXX and XX/XX/XXXX that disclosed fraudulent concealment of the inaccurate late fee payment allocation that negatively impacts my ability to apply for residential lending. XX/XX/XXXX I noticed Nationstar. They unlawfully acknowledged my clear claims XX/XX/XXXX stating falsely they received the RESPA notice XX/XX/XXXX. 
Mr. Cooper as of XX/XX/XXXX has ultimately failed to claim no error exists, failed to respond within the 30 days of the XX/XX/XXXX notice or within 30 days of their claim of receipt of the valid RESPA Notice of ERror in payment allocation, leaving unearned never performed lender fees of {$2000.00} sitting in a still currently open suspense account and leaving {$11000.00} allocated toward deferred and current late fee payment when Mr. Cooper accepted an over charge without refund of {$2800.00}.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : 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 2022-07-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VA)

The servicer of my mortgage Mr. Cooper, has not responded to multiple requests that they process my final mortgage payment. 


Funds for the pay off of my mortgage were wired on XX/XX/22 and available on XX/XX/22. 

I called my loan servicer Mr. Cooper, on XX/XX/22 to confirm receipt of the funds and was asked to call back on XX/XX/22. 

I called on XX/XX/22 and was asked to call back on XX/XX/22. 

I called on XX/XX/22 and was advised to call back, and was told it might take 7 days. 

I have submitted online " tickets '' at the Mr. Cooper website ( https : //www.mrcooper.com/ ) informing them that : - tracking via XXXX XXXX documents that the funds were available on XX/XX/22 and have not been collected. 

- my final mortgage payment has not been processed ( it has been 9 business days since the funds were transferred ) - my online account is stating that my payment is past due - on XX/XX/22 I received a " late payment '' reminder via email but no communication regarding my mortgage payment not being processed.
Consumer complaint received 2022-11-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AZ)

For a year I have been using the Wellsfargo drive thru located on XXXX XXXX XXXX XXXX XXXX Az XXXX on XX/XX/2022 at XXXXXXXX XXXX I was serviced or lack of serviced by a woman named XXXX. She immediately returned my deposit through the deposit tube and said merchants are not supposed to use the drive thru anymore and need to get off to make deposits. She was rude and off putting, there was no other vehicle next or before me, and this was the first time I had ever heard of that. I did not receive a warning beforehand and I had to drive to the next Wells Fargo Bank XXXX miles away to be able to make my deposit. I have never had an issue making business deposits from XXXX XXXX XXXX by in the drive thru. I would like a follow up call on this new procedure or if it is one. My name is XXXX XXXX XXXX. Thank you.
Consumer complaint received 2022-07-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Tesla, Inc. (UT)

My solar roof was installed in XXXX of 2021. Since then I have been making the required payments on the loan, but the product has never been fully-functional. I am paying for a product that is not functional, and the company has been out to fix it several times, but they have not fixed it. It is still not operational and the company is no longer responding to me.
Consumer complaint received 2019-12-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (VA)

I purchased a home on XX/XX/2019 in XXXX, Virginia. The mortgage company on the loan was XXXX XXXX. In XX/XX/2019 XXXX XXXX   sold the servicing of the loan to LoanCare LLC. The community I live requires an additional real estate  property tax referred to as a CDA. This additional tax is paid to the same place as the the usual real estate tax. XXXX XXXX paid the first part of the CDA which was {$790.00} on XX/XX/2019. The remaining {$790.00} due today ( XX/XX/XXXX ) should have been paid by Loancare LLC. Those payments are due on XX/XX/XXXX and XX/XX/XXXX of every year. I called Loancare this morning to ask them if the payment had already been paid. The representative did not know what I was referring to but told me that XXXX should pay it. I called XXXX and the representative there told me that I was the second call he had asking the same question. He informed me that Loancare should pay it since it is included in my mortgage. I called Loancare back and spoke to a representative name XXXX ID # XXXX. He told me that I would have to send him the bill. I asked him if I should send it by fax or email. He said fax but never mentioned it would take 48 hours which seems ridiculous. I faxed the bill and explained to him as well that the bill needed to be paid today. I called Loancare again at XXXX XXXX. to ask if it was paid. the female representative said they had just paid my taxes. I explained to her that this is an additional property tax and should be paid to the same office they paid the other taxes from my escrow account.. she said I would have to email them the bill. i told her I faxed it earlier. She told me that a fax can take up to 48 hours. I told her that the bill had to be paid today and that XXXX didn't tell me a fax could take 48 hours which makes no sense to me. I told her I was going to go ahead and pay it because I didn't want to pay a {$79.00} XXXX late fee. I asked her how long would it take to get my money refunded. She said I would have to send them the information showing it had been paid and the could take 30 days.
Consumer complaint received 2022-11-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (MO)

This is a complaint about a debt collection agency contacting me about surprise medical debt. The charges listed against my account were unknown to me all this time and for the charges to be in debt collection now are an issue to me. We are contacting the hospital to discover why we were never contacted about the listed charges by the hospital for years. We are also contacting them for necessary information, proof of benefits and services, and line-item charges for the debt listed against us. We have successfully made all payments for all known charges to us since receiving services at the hospital, so these surprise charges are very odd to us. The charges are from XXXX and XXXX and we have since visited the same hospital and updated their systems for them to approach me successfully about any debt.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

Investigation Request Letter To whom it may concern : I received a copy of my credit report with intention of trying to improve my credit and take care of my responsibilities and notice a few accounts that I wanted a little more explanation on. I am not saying that they are reporting right or wrong.I am just saying that I am not 100 percent sure if they are.I also read something the fair Reporting credit report Act where it said by law I had the right to challenge anything i am not sure is accurate.some of people reporting things on me.I have never heard of which made me write to you all Are you familiar with something called 15 U.S.C. Sec.1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted.well, I want these accounts deleted if they are not 100 percent right and correct.so, could you please check on these and get back to me? I saw on a credit Site and Board where this lawyer said you have 30 days to complete this investigation.Please investigate the following accounts and remove them if anything is missing or not correct on them. 
I demand The following accounts be verified or removed immediately In accordance with fair credit Reporting act XXXX  XXXX Bank account # XXXX XXXX  XXXX account # XXXX XXXX XXXX  account # XXXX XXXX  Account # XXXX 15 U.S.C 1681section 602A. 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 account without my written instructions
Consumer complaint received 2022-07-13
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)

On a recent review of my credit report I discovered XXXX XXXX issued late payments on my credit report for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

At the time I was living at : XXXX VIA XXXX XXXX, CA XXXX and the State of California issued mandatory stay at home orders starting XX/XX/XXXX and I was laid off from my job at XXXX XXXX XXXX. These mandatory stay at home orders were in effect until XX/XX/XXXX and I never regained my previous position at my employer. 

I am seeking to have these late payments completely removed from my credit profile due to government mandated lockdowns and the loss of my job because of it. 

I will include my account number with XXXX  XXXX on the attachment.
Consumer complaint received 2022-06-09
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. (LA)

I sent letters off on XX/XX/2022 ( tracking # XXXX ) to remove personal information that i dont want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to15 USC 6802. No financial institution is suppose to share my information to third party people. THESE ARE CLEAR VIOLATIONS OF MY FEDERALLY PROTECTED CONSUMER RIGHTS.
Consumer complaint received 2022-11-04
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. (TX)

The account was closed after the equipment was returned. XXXX keeps the account open without any services provided and then claim an amount to be paid and tuns it into collection. This way of intimidating customers not to cancel services because of XXXX overpowering forces of illegally misrepresent customers ' credit report.
Consumer complaint received 2022-07-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2022-11-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (AZ)

Ally Bank keeps " suspending '' access to our external bank accounts. This is the case for multiple people in our family who have accounts with Ally Bank. 

The do NOT provide notification of the suspension, and when called, they can not give a reason for the suspensions. 

They are only allowing access to other Ally Bank accounts within a specific login. 

This is causing a serious problem for us specifically, since one of us is POA of an elderly mother 's savings account and funds are used to pay her Assisted Living Expenses. 

The current suspension was discovered when logging in to do a transfer to a checking account which is with another bank. [ No! we will never have a checking account with Ally Bank because of this issue! We can not trust them now. ] To get a resolution requires several days of trying to contact Ally Bank and them doing research before they finally release access to the external accounts again. 

This issue also spills over to access to our funds through XXXX. Ally Bank has several times blocked XXXX payments to people we have paid in the past with no issue, but Ally Bank will not allow the XXXX payments to process. 

When asked, as usual, they can not give a reason why. 

We are beginning to question the solvency of this institution. If that is the issue, then this is very serious.
Consumer complaint received 2022-04-25
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)

XXXX XXXX XXXX serviced by XXXX XXXX XXXX  XXXX ending in account number XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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 2022-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (CA)

On XX/XX/2022, I've initiated a balance transfer of {$3000.00} from my Citi credit card to XXXX XXXX credit card. They claim that the balance transfer should take 2-4 business days to complete. On XX/XX/XXXX, the balance transfer posted on my Citi credit card account, however, today, XX/XX/XXXX, the money is still not in the XXXX XXXX account. I've called XXXX XXXX and they assured me they don't have anything incoming from Citi bank towards my account. 

Now, Citi claims that everything is correct on their end and the money was sent successfully and received by XXXX XXXX. XXXX XXXX claims that they never received the money. Each side tells me to go and talk to the other side about this without actually opening investigation or trying to resolve the issue. 

My money disappeared somewhere inbetween and nobody is doing anything to find it, but the best part is, Citi bank posted this transaction to my account- so now I'm still responsible for paying it back to them, even though I never received the money.
Consumer complaint received 2022-07-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC (AL)

Mariner Finance I have called and explained I don't have the funds and that I was going through XXXX XXXX the manager got on the phone and said well unless they pay us off we don't do that and we have to do something about this account.. 
I explained I have a child with XXXX I don't have anything right now..
Consumer complaint received 2022-11-04
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: I.C. System, Inc. (NC)

Even after my consumer statement clearly states I will not and do not contract nor consent to any accounts being sold and collection agencies trying to pursue me for an alleged debt. I.C. Systems put a collection on my credit file without my consent for the amount of {$250.00} dollars and has damaged my score and continues to do so.
Consumer complaint received 2022-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

I have contacted my bank and explained over a dozen times about an unauthorized transaction made on my account however the bank chooses to not do anything about the matter. After submitting two disputes that went no where, I requested for my claim to be escalated to corporate office to which I am told, there is no corporate office and that there is no one my case can be forwarded to other than a floor supervisor who knowledge is on the same level of a call center employee. The fraudulent case was not appropriately or diligently investigated or resolved and in order to find out more information about my case I have to wait for an email which may take 10 days to receive. Furthermore, to submit disputes, it has to be done via email that will be responded to by an auto generated email. Everytime I have spoken with someone, it was because I called them. No one responds to the emails you send. Also, when I call and speak to someone, I am constantly having to explain my issue over again because my previous call was not thoroughly documented. Chime should be shut down for this type of negligence.
Consumer complaint received 2022-11-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: Neon Newco Corporation (CA)

Someone with a net spend account under my name and other information logged into my XXXX account and changed my direct deposit information that was originally set to receive payments to XXXX XXXX. XXXX goes through the company I work for to show my timesheets and paystubs. Net spend refuses to let me cancel this card which I never made nor authorized to be made and this card now has access to my paycheck that Ive worked very hard for the past XXXX weeks.