davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-13
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (SC)

In XXXX, Mr. Cooper failed to pay my homeowners insurance out of my escrow account. XXXX was due XX/XX/XXXX. I received a notice 30 days after payment was due from my insurance company letting me know my policy had been cancelled. I immediately called my insurance company and put a policy in place effective XX/XX/XXXX. The policy was paid via disbursement from my escrow account. I then received a letter from Mr. Cooper stating that they would retroactively force place insurance for the 30 day period I lacked coverage, even though it was their error. I reached out to Mr. Cooper to remedy the issue and the agent offered to call my insurance company and retroactively reinstate the policy. A second disbursement was made out of my escrow account to my insurance company. I then saw another disbursement for {$110.00} on XX/XX/XXXX from my escrow account where Mr. Cooper charged me for force placed insurance, even though I had insurance for that time period. I again called to remedy the situation on XX/XX/XXXX. The agent acknowledged the error and noted that the policy for XXXX was in their files. She said I could expect a refund within 5 business days. After 10 days, there was no such refund in the account, so I called again. The agent stated that the refund would be in the escrow account within a day or 2. As of XX/XX/XXXX, my escrow account has yet to be credited for the force placed insurance amount.
Consumer complaint received 2019-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (NY)

On XX/XX/XXXX I attended a seminar that I was reach out to in reference to cancelling TIMESHARE that we no longer want. We attended and joined XXXX XXXX XXXX ( XXXX XXXX ) to cancel our memberships with my timeshares. This company stated that they have 365 days to complete this. As the year was passing by I sent them many e-mails because I was not seeing any results and was still getting e-mails and phone calls from the properties. I even contacted the Attorney General and they also were not able to contact this company. I Filed a disbute after the year was up, XX/XX/XXXX with XXXX ending # XXXX CASE # XXXX along with my attorney that was helping me with this case. His name is XXXX XXXX from XXXX XXXX XXXX and was on all the calls with me when we started to dispute. 
It took a while for them to get my paperwork and still had to resend all my info again. I filled the original disbute on XX/XX/XXXX and several phone calls later. XX/XX/XXXX they finally opened my case and said they would have it resolved within 45 days.They finally send me a decision on XX/XX/XXXX and state that Due to the length of time from which I filled and the original purchase date I was past there complaint time to file. So we had to fight it again, On XX/XX/XXXX I sent a letter that I don't agree and had to open the case again. XX/XX/XXXX and had to resent all my info again because they had to reopen my case as to they. This has been way over the time frame 45 days they gave me as to when this would be resolved, I get a phone call in XX/XX/XXXX and they tell me they can not refund me the {$4000.00} because I would need an attorney to handle this for me because I signed a CONTRACT with XXXX XXXX. My attorney clearly said that was not necessary and we called them again and we did and they still had no answers for us. ( I have been trying to reach my attorney and now he is not responding to me, Another Issue ) The cc company was suppose to get back to us with a response and never did.
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

1. On XX/XX/XXXX, I mail a letter Notarized & CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX to XXXX include a bill with proof of my new residency requesting XXXX to updated my Personal information on the records, and no one has replied me back that my case has been received or under dispute and again XXXX  stated : We have contacted the company reporting the information you disputed. 

Wish Company XXXX have contacted? I am requesting to remove the old Personal Address and Telephone and variation on my report.

2. On XX/XX/XXXX, again, I sent a second dispute online and received Report Number from XXXX. Less than 7 hours on XX/XX/XXXX, I received an email stating that my dispute was complete and closed. None of my Old Personal information, like Addresses variations, Phone variations, has been deleted. 

XXXX created a trap system almost impossible for customers to dispute wrong information on their files. These multiples addresses appear on my XXXX credit reports is causing my personal documents or information to be sent to your old address listed on the XXXX report. 

It is my right, and I do not want my old address or phone, employer listed on my credit file. I am here requesting XXXX to delete this variation information immediately.
Consumer complaint received 2019-02-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Neon Newco Corporation ()

Netspend, issued a closed account final check of {$920.00} on XX/XX/2017 ... this payment was sent to my extended family members house in XXXX XXXX, Nevada.. somehow this check found its way to a Bank Named : XXXX XXXXXXXX XXXX , somewhere in the State of SD. A place I have never been to. Even if I want to I could not make seeing I have been living in the XXXX these pass three years. I have contacted Netspend, FDIC, AND OCC ABOT THIS MATTER ... and still have not been issued a New Check. This is why I am contacting your Agency.
Consumer complaint received 2021-01-12
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Real Time Group, Inc. (MD)

My bankruptcy XXXX discharged on XX/XX/XXXX, one of the debt servicing company Real times resolution has been sending letter to collect the debt after discharging bk XXXX since XX/XX/XXXX to XX/XX/XXXX claiming to owe debt {$45000.00}. 

I have been trying to let the Real time resolution to know about the debt is uncollectable in bk XXXX and it is uncollectible in statue of jurisdiction over 3 years in md and never sign to reaffirmation of the debt. Unfortunately, the Real time resolution still claiming to owe the debt as of today, pls help, thank you!
Consumer complaint received 2022-10-12
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. (MD)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX MD XXXX Date Updated : XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Date Updated : XX/XX/2022 ; XXXXXXXX XXXX XXXX  XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 ; XXXXXXXX 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 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 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 XXXXXXXX XXXX XXXX XXXXXX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-10-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (GA)

Husband died and I was not on the mortgage. I was not working but STRUGGLED to make payments. Bank XXXX XXXX was the mortgagor for 23 years before selling to Serterus. Serterus sold mortgage to Mr Cooper, Mr Cooper sold mortgage to RightPath Servicing in XX/XX/XXXX. I was told by a representative in XX/XX/XXXX that if i applied for forbearance i did not have to make payments for 6 months but could if I wanted. I asked the representative what happens at the end of 6 months ( XX/XX/XXXX ) and the representative said " you will resume your monthly payments. '' ) I had XXXX which has developed into long XXXX, after I had both vaccines and a booster. 
In XX/XX/XXXX I sent Mr Cooper a payment for {$1100.00} which they accepted. RightPath Servicing took over the account in XXXX XXXX, XXXX. I did not get any statements from RightPath until XX/XX/XXXX. Because my name was not on the mortgage RightPath employees REFUSED to talk to me although I sent an Affadivit of Descent and was told by XXXX XXXX and XXXX XXXX that that was sufficient and It would be approved by XXXX XXXX within 10 business days. I called back after 20 days and spoke with XXXX in Arizona who promised to speak with XXXX XXXX I was not called back by ANYONE at RightPath nor will anyone talk to me. I sent RightPath a check for {$2500.00} via certified mail and return receipt and it was returned to me on XX/XX/XXXX. On XX/XX/XXXX I sent a NEW check for XXXX which has not been credited to my account. 
Today XX/XX/XXXX I just recived a letter from Rightpath telling me the DOCUMENTS I need and the amount of payoff. 
The clerk and an ATTORNEY told me the AFFIDAVIT of DESCENT should have been enough because I am the ONLY HEIR. 
I feel this is and was an unfair practice because I feel they want to foreclose because of the balance is about {$7000.00}!!!! 
I am 72 years as of XX/XX/XXXX and have long XXXX. 
Please speak to them on my behalf. No mortgage company wanted the house when I had a HIGH BALANCE but now they do.
Consumer complaint received 2019-02-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (TX)

I consign for my son 's car loan. I am not privy to when he makes his payment or amount. On XXXX XXXX2019 I contacted ally loan to talk about account and was advise that XXXX needed to be paid by XX/XX/ 2019.  I told them I do not want this going on my credit report and I had the funds to pay today and was told just make sure pay by XX/XX/ 2019 and that would bring it current. On XXXX XXXX,2019 I notice a late payment had posted to my credit bureau, I contacted ally and was told that it was 30 days late, I spoke to a supervisor and was told if I make the payment today XX/XX/XXXX they would remove it from credit bureau, a payment of XXXX was made and I phone back on the XX/XX/XXXX to verify payment was receive and XXXX told me it would take 7 to 10 days to remove it but it would be done. I receive a letter from ally on XXXX XXXX that they were not going to remove it from the credit bureau. They deceived and misled me to believe that this matter was being handled. If they had just taken my payment on XXXX XXXX this would have never happened. They did not give the correct information and advised me that the payment on XXXX would keep it from going on my credit. They tape all conversations and this will show they gave incorrect information and that it is their fault.
Consumer complaint received 2021-08-23
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PNC Bank N.A. (DC)

Due to the public health emergency, my loan was under deferment until it was paid off in XX/XX/2021. I contacted PNC to find out why they have reported my loan as delinquent for the past 20 months.
Consumer complaint received 2021-08-23
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. (NJ)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2021-08-23
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. (NJ)

XXXX XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2022-10-13
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-08-23
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. (IL)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2021-01-12
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. (IL)

I disputed a bankruptcy with XXXX in XX/XX/2020, they removed it from my consumer report. Then, I used the XXXX letter which confirms that case # XXXX has been deleted to dispute the bankruptcy with XX/XX/XXXXXX/XX/XXXX and Equifax. I asked the credit bureaus to contact XXXX to verify the DELETION. XX/XX/XXXXdeleted the bankruptcy.XX/XX/XXXX and Equifax keep claiming the bankruptcy has been verified with XXXX and the US Bankruptcy Court XXXX. I received a letter from the US Bankruptcy Court XXXX and they don't report to credit bureaus. Also, I sent comparison factual dispute letters along with the XXXX and US Bankruptcy Court letter to XX/XX/XXXXand Equifax. They refuse to delete the bankruptcy. I have provided documented proof of the deletion from XXXX and confirmed with the US Bankruptcy Court, they don't report to credit bureaus.
Consumer complaint received 2022-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

In late on the afternoon of XX/XX/2022 I deposited a check ( via mobile app ) into my Chase account in the amount of {$89000.00}. 

The following morning on XX/XX/XXXX at approximately XXXX XXXX  I logged into my account and the entire check amount was made available immediately for use in my account. 

At that time I proceeded to make several transfers to other business accounts held with chase and a single wire transfer to another party in the amount of XXXX. 

At XXXX XXXX, after having made the funds available to me, Chase put a hold onto my account after the fact, This made the account in which I made the deposit to have a negative balance of XXXX and change. The accounts into which I transferred the funds, all owned by different legal entities however did show that the funds were still available. 

On or after XX/XX/XXXX, Chase proceeded to withdraw without authorization the funds from 3 other accounts, the original transfers were completely deleted as if they never occurred. The wire transfer is the only of the 4 transfers made on XX/XX/XXXX that remained in my transaction history. 


On the morning of XX/XX/XXXX I went into the chase branch, I told them that I was upset, and that nobody forced them to make the funds immediately available, but that once it was made available and the funds were transferred they couldnt take these funds out without authorization unrelated entities accounts, the banker asked if I had contact info from XXXX XXXX, the bank from where the check was issued, I shared it, the banker called XXXX XXXX and XXXX  confirmed that the check was paid from their end on XX/XX/XXXX. The banker said that he was lifting the hold and that it would hit my account in 2 hours. 

Today XX/XX/XXXX the funds are still not available. The issues are as follows : 1 ) the bank can not continue to hold the funds unless there is reasonable concerns that the funds wont be paid, in this case Chase had direct communication with XXXX XXXX and no such concern exists, they have chosen to hold the funds in violation of Federal Regulation CC. 

2 ) once the bank made the funds available, they had no right to remove funds from unrelated entities, although they were not forced to make the funds available in XX/XX/XXXX Chase on their own chose to do so, there is no provision in Federal regulation CC that allows a deposit to be reversed once its made available when there has not been any information indicating any fraud whatsoever. Regardless of the above, the other entities are not a party to the funds availability, once transfers were made these entities must be able to rely that funds deposited and made available in their accounts are actually there to stay, they have not made any check deposits and can not be made a party to the hold policy of another account holder.
Consumer complaint received 2021-08-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (MD)

I asked Wells Fargo to close my account, they refused to do so on the basis they said I still owed a fee, I withdrew all my money from both accounts, business and personal, ,I believe they are stealing my money, when I pay a bill from account, the bill is paid at the time, deducted from balance, then a week later it comes out again, ,they say dont post until a week later, its been happening to long, they are charging me twice, this is a corrupt bank system, ,.I was over charge from cable company 5 months in a row, I disputed charges, XXXX XXXX said they could not find charges, Wells Fargo did investigation XXXX they credit me 1 payments {$41.00}, but payments should have equaled 5 months a over {$110.00}, why would they credit me {$41.00} and not all, I requested to shut account down, ,they refused, and still running up {$35.00} from same account for 2 months, and that account only has 1 payment, not 3 separate accounts, this bank needs to be shut down,, need to be investigated at once
Consumer complaint received 2022-10-13
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

I received a text from a " wells fargo '' number stating that there were charges on my bank account asking if i made these transactions. I was asked to respond N for no Y for yes if i authorized these transactions. I sent N, for no. 5 minutes later i got a call from a " wells fargo '' number from a " representative stating they were from wellsfargo to help take back the unauthorized transactions. While on the phone, i had my account open and saw {$3500.00} being taken out of my account through XXXX, the " representative '' asked if i just sent a XXXX to XXXX. No i did not. at that time i was asked to get XXXX on the phone to send back the {$3500.00} that was XXXX to his account. Thinking we were speaking to a wellsfargo rep, XXXX XXXX the XXXX back however. The {$3500.00} did not come to my account at that time we realized we were being scammed and the XXXX went to the scammers. I immediately contacted wellsfargo fraud number to report what had happened. Wells fargo fraud rep in fact confirmed that there was no record of what had happened and we were indeed scammed. I reported the issue to get our XXXX dollars reimbursed, went to the wellsfargo branch the next day to also report the fraudulent unauthorized transaction that was made to XXXX through XXXX. Wells fargo then had us change our bank account all together, and we were reimbursed the XXXX XXXX weeks later, however was not told they were taking the money back from XXXX 's account to our account. This was also an unauthorized transaction on wellsfargo because XXXX never got our XXXX to begin with, the scammers had XXXX send them the XXXX not us. so at that time XXXX was not out any money and the XXXX should not have been taken from his account to our account. At this time we are still out XXXX due to the unauthorized fraudulent actions that occurred. this was a fraudulent action on our account through XXXX that wells fargo should report investigate and refund our money.