davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Data Mortgage Inc. (MD)

Essex Mortgage XXXX Data Mortgage IncXXXX is currently listing several FALSE late payments along with notations like " late 60 days '' and late 90 days, while this information is inaccurate and to no fault of my own, due to problems with my ongoing Financial Hardship. During XXXX I was struggling to make my mortgage payments, so I was instructed by FHA to contact Essex Mortgage for help / assistance. I depended upon Essex Mortgage to provide me with assistance, not to add to my already Stressful life, by reporting NEGATIVE information to the credit bureaus. I did not discover the late payments until I applied for a loan to try to get caught up on my payments. And when I attempted to contact Essex Mortgage several times about my account there was never any answer, just an automated recording that stated my call was being placed in a queue and someone would follow up. I NEVER received any courtesy call from Essex Mortgage / Data Mortgage Inc . 

Further, when I did finally speak with someone, I was assured that my account would not be reported to any credit bureau agencies while the account was under a financial hardship, and they did just the opposite. I have made several attempts to get these NEGATIVE inquiries corrected, and have had no success in doing so. Essex Mortgage continues to state that these inaccuracies are accurate, but they are not!! My account was in a 12-month forbearance, and when the 12-month forbearance ended, the account went back into forbearance. While the account was in forbearance, I received assistance from the XXXX  XXXX XXXX, who made payments on my account, which should have kept my account in a Positive status. After, the forbearance ended I was put on a REPAYMENT PLAN, where I was to make THREE consecutive payments before my account was to be considered for a PARTIAL CLAIM. I immediately started making the monthly payments as required, but because the first payment under the REPAYMENT PLAN was not made on the 1st of the month, ( but was paid before the end of the month and moreover, before 30 days of the next month ), it kicked me off of the REPAYMENT PLAN, and automatically went into " LATE '' status. However, NO ONE from ESSEX MORTGAGE EXPLAINED THE REPAYMENT PLAN PROCESS TO ME, nor DID ANYONE contact me DURING THIS TIME TO NOTIFY ME THAT MY ACCOUNT HAD BEEN TAKEN OFF OF THE REPAYMENT PLAN. I CALLED ESSEX MORTGAGE ABOUT AN UNRELATED ISSUE, AND AT THIS TIME IT WAS BROUGHT TO MY ATTENTION! 

At that time the representative told me to continue making payments, and if the account was reported to the credit bureaus, then file a dispute to have the negative reporting removed. I followed every step that they told me to do during the XXXX XXXX hardship process. 

Further, it wasn't until Essex Mortgage changed their system, that my account become further screwed up. I have said this multiple times in several letters and emails.
Consumer complaint received 2024-03-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I gave my money to a person at on XXXX through Paypal. They kept charging for the most smallest things like XXXX dollars for a sword on an ALREADY XXXX dollar XXXX XXXX character. I had XXXX dollars already. I got widdled down to XXXX. Now Paypal won't refund me because he wanted it to go through " Friends and Family '' so I idiotically did that.
Consumer complaint received 2024-03-01
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (FL)

I purchased a {$100.00} Vanilla gift card from Incomm Financial Services Inc. the card was properly activated, the funds are showing available but the money is locked up and the card has been declined everywhere, both physical and online stores. Ive contacted the company and they emailed me the card will work. I tried multiple stores and its still being declined. They LIED! They think I will give up so they can keep my money but I will not give up. There are XXXX, XXXX and XXXX groups FILLED with people who have been scammed by this company. There are multiple class action lawsuites against this company. I want my money back now.
Consumer complaint received 2024-03-01
Product: Credit card — Store credit 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. (FL)

Best Buy is refusing to refund me for items I didnt receive even though XXXX  has sent claim paperwork for both items they have only refunded me for one I have contacted Best Buy credit card with all this information and they are refusing to help me as well even though I never received the items and I have shown them proof
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Fidelity National Information Services, Inc. (FNIS) (VA)

I am unable to reach a person at Chex Systems to check the status of my dispute claim. Chex Systems does not offer an email address and their phone system is only an automated menu. Attempts to reach a representative result in " No representative available at this time '' despite the fact that their website says representatives are available during the times in which I call. It is therefore impossible to request a Description of Procedure Used to Determine Accuracy of Disputed Information and Notification of change both of which are rights guaranteed to me by FCRA.
Consumer complaint received 2023-05-11
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (TX)

Trying to move money out of Bank of Montreal and they will not allow me to wire money without filling out some form and waiting TWO WEEKS for them to process the form. They refuse to let me close the account and have the funds wired to another institution as well. My only choice is to take a cashier 's check which will also take one to two weeks to process or drive over 100 miles to a branch. Absolutely ridiculous!!!
Consumer complaint received 2024-02-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CUSTOMERS BANCORP, INC (CA)

I called on a recorded call to get info on how to apply for ppp loan forgiveness because I told him SBA said i need to apply directly through them. he said they don't do that and as im explaining he hung up on me..VERY UNPROFESSIONAL..
Consumer complaint received 2024-02-29
Product: Credit card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. (OH)

I applied for a line of credit at the Home Depot pro/construction desk on XXXX XXXX. I gave them my SSN, cell number, email address, home address, my license. The staff there was great. I was printed out and given a {$10000.00} limit. I have a card number on the sheet. The associate at HD called to confirm the purchase through card services, and the card rep said that the purchase was suspicious and was not given a reason over the phone to me or the store associate as to why. I have a XXXX credit score and they had all my income and identity information. I do not have any other credit cards with city bank. The associate who helped me apply said this has never happened to a customer since she has worked there.
Consumer complaint received 2021-11-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (TX)

Complaint : PNC Bank unable to access funds Former XXXX Compass customer, now forced to bank with PNC since the conversion on XX/XX/2021. 
We had XXXX accounts with BBVA of which, only XXXX have been rolled into PNC. We are unable to access a savings account with over {$16000.00} for now going on XXXX weeks. 
I have contacted PNC XXXX times a week spending close to XXXX hours to try to get this problem corrected. I have spoke to dozens of PNC employees and was continually told " Funds will be available in XXXX days '', Finally assigned a customer representative XXXX weeks ago, have been assigned a XXXX XXXX, however, I still get the same response, " Funds will be available in XXXX days ''.
Consumer complaint received 2024-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NY)

I was in XXXX XXXX, in XXXX, near XXXX. I went to use an XXXX ( local bank ) ATM. When I went to use the machine, it would only speak XXXX. A customer prompted me to put my code in and upon doing so, the machine swallowed my card. Within six minutes, three different unauthorized transactions at different ATMs, one in a different town, were made. I cancelled the card but was forced to return to the US to get a new card. I lost the card, got no money, and have been insulted and rebuffed by Wells Fargo. I applied for loss protection and was essentially called a liar ; a second person did so, and a third, today, called and told me she had spent " two days '' investigating the claim. However, I offered the police report and the name of the person from XXXX who would have confirmed that such things do in fact take place ; Wells Fargo was not interested. Two weeks ago is when the fraudulent transactions took place. Basically Wells Fargo called me a liar, will not replace the money, and that is the story. I will take this as far as I have to.
Consumer complaint received 2024-03-02
Product: Credit 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)

Citibank Aadvantage Credit Card We had Fraud on out card from XXXX. After fraud was discovered, card was closed and new card issued. All fraud charges were transferred to new card, and are shown as " pending '' on old card. I have called 5 times and put all charges under review, and each time I call, we have to start the process over again. We still have {$2000.00} of fraud charged to our card, and our bill is dues XXXX I have asked to escalate situation, and am getting nowwhere.
Consumer complaint received 2024-03-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NM)

This supposed debt comes from a XXXX cell phone account I had from about XXXX yrs ago. I changed cell phone service to another carrier due to bad coverage ( I couldn't even get adequate signal in my own home ). Therefore, I completed the contract and canceled service. About 7 years ago I received an odd collection notice from XXXX saying I owed about {$1500.00} and I called XXXX and questioned the charges. The representative all those years ago said they would make the correction. Now, recently, while applying for a loan in XXXX XXXX I was told by the loan company that I had a negative mark on my credit report related to a company called IC Collections. When I went online to check my credit report, I found the notice of collection from XXXX and XXXX, but it is NOT included on my XXXX report. I called XXXX in XXXX XXXX and reqeusted information but was told they did not have any information to give. 
And, since XXXX, when I canceled my XXXX service, I have NEVER had a loan company ( mortgages, car loans, consolidation loans ) say to me that I had an outstanding collection notice. This is clearly in error, and I would like to know and request documentation on what these charges are based on, what dates are related to the charges, and when it was sent to the collection agency.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (TX)

Subject : Complaint Regarding Inaccurate Reporting by Nordstrom Bank ( Account Number : XXXX ) Dear Sir/Madam, I am writing to file a formal complaint against Nordstrom Bank regarding the inaccurate reporting of my account, numbered XXXX, to the credit bureaus. Despite numerous attempts to rectify this matter directly with Nordstrom Bank, they have persistently refused to correct the inaccuracies in their reporting. 

I contacted Nordstrom Bank regarding discrepancies in the reporting of my account. Despite providing evidence and documentation supporting my claims of inaccuracies, Nordstrom Bank has failed to take appropriate action to rectify the situation. Their continued refusal to address these inaccuracies has had a significantly detrimental impact on my credit score and financial standing. 

This conduct by Nordstrom Bank not only violates my rights as a consumer but also constitutes a clear violation of aggressive consumer protection laws. As such, I urge the Consumer Financial Protection Bureau to intervene and compel Nordstrom Bank to immediately cease their inaccurate reporting practices and take corrective action to restore the integrity of my credit profile. 

I am attaching copies of relevant correspondence, documentation, and evidence supporting my claim for your review and consideration. I trust that the Consumer Financial Protection Bureau will thoroughly investigate this matter and take appropriate enforcement action against Nordstrom Bank to ensure compliance with consumer protection laws. 

Thank you for your attention to this matter. I look forward to a prompt and satisfactory resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc (MD)

AFFIRM INC - XXXX I hope this message reaches you in excellent condition. 

I am writing to bring specific inconsistences in my credit report to your attention, specifically pertaining to billing errors as outlined in : 15 U.S. Code 1681a - Definitions ; rules of construction | US Law | LII/ Legal Information Institute 15 U.S. Code 1666 ( b ) under the billing error category : ( 4 ) The creditors failure to accurately reflect a payment made by the obligator or a credit issued to the obligator on a statement ( 5 ) A computation error or similar accounting error made by the creditor on a statement Its my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the linked accounts. I am in pursuit of concrete evidence from the creditors bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late-a sign of an invoicing error-therefore. 

I humbly request that the subsequent entries be promptly, updated on my consumer report to reflect their current status as follow : paid as agreed.
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I requested that Transunion check the information that they reported in reference to my XXXX XXXX credit card for which I am an authorized user. They reported that my credit score dropped due to increased usage. That was not accurate because my usage was at XXXX. Transunion actually removed both XXXX XXXX accounts from my credit report, one open and one closed, which made my score drop even more. I never disputed the accounts so they should not have been removed.
Consumer complaint received 2024-02-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: U.S. BANCORP (VA)

I paid {$350.00} as a mortgage application fee. I applied for a mortgage with US Bank of approximately {$200000.00}. My house is in a leasehold, so it requires extra steps of approval. US Bank neglected to complete ( or even start ) those steps until XXXX XXXX before closing. XXXX XXXX before closing, today, after I wired XXXX XXXX to my title company to close, I received a phone call stating that, although I was final approved, US Bank had approved a closing contingency that was impossible to meet because of timing.

I have not ever received phone calls back from XXXX XXXX, nor has my realtor. US Bank sent my loan application, lacking required documentation, to underwriting XXXX times, delaying the process on their end. I am outside of the XXXX credit check window, so my credit is damaged if I need to get another mortgage.
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Dear to whom it may concern, Defendant XXXX, XXXX and Trans Union is a foreign company that furnishes consumer credit information to consumer reporting agencies. 15 U.S.C. 1681s-2.XXXX and Trans Union failed to maintain and failed to follow reasonable procedures to assure maximum possible accuracy of Plaintiffs credit report, concerning the accounts in question, violating 15 U.S.C. 1681e ( b ). 
My name is " XXXX XXXX ". % % **. The items below I have disputed and none of the data furnishers have provided me any scope of the " so-called '' investigations as required by 1681s-2 ( b )   and it has already passed the legal time from of 30 days to do so. ] had disputed several items that do not belong to me to Transunion, XXXX, and XXXX and I also included all proper and required identification such as my drivers license, social security card, and proof of address and yet the bureaus have been using " stall tactics '' to delay my disputes and or not give me the proper fairness of the FCRA. On XX/XX/XXXX the bureaus sent me a letter requesting that I send them my social, drivers license, and proof of address saying that they " Can not ' help me but I know this is just a stall tactic they are using because I have proof and transmission receipts from CFPB including my drivers license, my social security card, and my proof of address. 
**Address** XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX , MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX , MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My address now is XXXX XXXX XXXX XXXX XXXX, the other addresses are either old or incorrect so please delete them. 
**Credit cards** XXXX XXXX Reported : XX/XX/XXXX Where is the original contract, application or other proof which clearly shows my consent and signature? What is the name of the person you received this information from? What was your method of verification? Using an electronic response is not an acceptable proof and must be verified in itself. This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 
**Hard inquiries** XXXX XXXX - XXXX XXXX Inquiry : XXXX. XXXX, XXXX  Miscellaneous Utilities UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _Telephone Companies Contact the inquirer : XXXX XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION
Consumer complaint received 2020-07-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/2020 consumerfinance.gov Consumer Finance Re : Payoff Company PHH Mortgage Loan : XXXXXXXX To whom it may concern : I sent a check in the amount of {$4700.00} to PPH Mortgage and they put my money into a suspend account on XX/XX/2020. They did not credit my account. Today, XX/XX/2020 I call XXXX the manager at PHH Mortgage, he said I could not pay off my account without a payoff quote. He ordered me one and it could take one to two I believe this is unfair, Im still paying interest on my loan on my current principle balance of {$4600.00} and they are getting interest on my money. 

Please help me get my loan payoff. My ID for the last complaint against this company is XXXX. The corporate office for PHH is XXXX XXXX XXXX, NJ. 

If you have any questions, please call me at XXXX. 

Thank you for your help in this matter. 

XXXX XXXX
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (AL)

I went to check my account and realized that i have several of unauthorized transactions on my Chime checking account that I have no knowledge of. A total of XXXX unauthorized transactions has been made on my account which totals up to be {$1200.00}. I reached out to Chime support and reported the issue to them to make disputes on the unauthorized transactions and was told to call them back within a XXXX XXXX XXXX when pending as been taken off of my account for the unauthorized charges. {$1200.00} has been taken out of my Chime checking account.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (FL)

I opened a savings account online with TD, they accepted the opening deposit, then frozen the account and returned the funds to checking. I tried to close the account in branch, but they said they can not close a frozen account, that I must call their fraud department to unfreeze the account first. The fraud department said they can not unfreeze it, that I must go to a bank. I just want to close the savings account, it has a XXXX balance. TD makes it more inconvenient than any other bank to do business with them...