davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

XXXX account have limit my account without giving me the reason why they do so Also they asked me to upload my I'd card and I do as they said but unfortunately they still not approve my account instead they limit it, and yet it is personal account
Consumer complaint received 2020-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NV)

XX/XX/XXXX : my bank noticed some fraudulent transaction had undergone XX/XX/XXXX : I have received a letter from the issuer of my credit card that they had placed a restriction on my credit card account until they can confirm that there is no fraud occurring XX/XX/XXXX ; The bank contacted me to sent them : ( a ) a copy of utility bill ( b ) a copy of bank statement ( c ) a copy of current rental agreement XX/XX/XXXX : I received a suspicious call that asked and asked me security code of my credit card XX/XX/XXXX I reported the incident to the customer service of the bank - At the end of XX/XX/XXXX i have noticed a payment from checking account to this credit for I had autopayment - I have ordered my bank to cancel the payment, and call and talked to the issuer of the credit card - I was told that over {$11000.00} was purchased by my card - They sent me the bank statement from XX/XX/XXXX. And I reported to the Fraud Department all the transaction were fraud but they didn't make the balance XXXX for there were unreported fraud transaction back from XX/XX/XXXX. 
- So I requested the customer services to send me the statements of some months from end of XXXX - I have learned that there were remaining fraud activities in XX/XX/XXXX whose total amount is about {$2700.00} - However, the fraud department rejected my claim repeatedly and advised me to pay it while themselves noticed such fraud transactions as the mail I got on XX/XX/XXXX and XX/XX/XXXX indicated
Consumer complaint received 2022-04-01
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: Self Financial Inc. (CA)

Sent numerous notarized interventions to this creditor on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they have yet to respond to this erroneous account with any validation and/ or removal of account. Filling a XXXX  complaint against this creditor as well.
Consumer complaint received 2022-04-01
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. (ME)

I paid the debt, and received documentation confirming the debt was paid in full. but the debt has not been removed from my credit report. when i called the creditor they advised me to call the collector. when i called the collector they advised me to call the creditor.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I am a victim of ID TheftXXXX XXXX XXXX XXXX I have disputed item on my credit report due to going through ID Theft. Equifax have removed inaccuracies from my report. The did removed the fraud alert from my credit file, and the freeze. But in retaliation they did a hard credit file lock on my file. I couldnt close on my mortgage or Refinance my car. The company said they creditors need to call them before pulling my credit file. In response the banks said they will not follow that procedure at all. They said they have many consumers and thats is a banking violation. I called Equifax and they told me that they can not remove the credit bureau lock. I worked with agents that were unprofessional and retaliated against me because Im XXXX, XXXX, and because of the things I disclosed to them about my life that led up to ID theft. The 3 agents in the Office of consumer affairs are : XXXX XXXX, XXXX XXXX, XXXX, and XXXX. Equifax have people in other countries working and they were not properly trained not to discriminate and treat US citizens properly. I am scheduled to hire an attorney to sue Equifax, for pain and suffering, discrimination and violating the FCRA. They do not care and the agents said its nothing they will do the problem has been escalated. One person name XXXX said it has been removed and when the mortgage company pulled my credit she said that was not true
Consumer complaint received 2020-07-24
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: JPMORGAN CHASE & CO. (NY)

Chase opened a Chase Freedom Unlimited Card after applying and getting accepted for the Chase Freedom card. As per the terms I spend over {$500.00} to receive the equivalent of {$150.00} account credit. I always paid my bill on time. Nevertheless my account was closed by chase within two months. I was told I could still use the points I had earned. I made many attempts to use the points online starting on the day I got the letter that my account was closed. Despite continued on time payments I have made many efforts to use these points starting on the day the account was closed. I have been unable to use the points and recently they disappeared from my account. I called chase and was told I would be able to use the points starting the next day. The next day I got a letter saying that because the account was closed through no fault of my own I would not be able to use the points. Despite the closure of my account I continue to pay my bill every month in keeping with the terms.
Consumer complaint received 2022-04-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Chrysalis Holdings LLC (SD)

I refinanced with New Day Financial ( XXXX XXXX XXXX ) He promised me No Payment in XXXX or XXXX, Well my Bank by Mistake made XXXX payment and cancelled it. Well in DEFIANCE New Day Financial Decided to keep my INSURANCE ESCROW CHECK AS PUNISHMENT FOR THIS ACTION. Even though the Full amount of 2022 insurance was added to the refinance paperwork. Many calls lead me in circles, then I get E-Mails from New Day Financial saying they can't reach me??? Their XXXX SURE COULD. AND MY CELL PHONE KEEPS TRACK OF MISSED CALLS AS WELL AS MY HOUSE PHONE. 
They will not refund me the insurance escrow I have coming. Contract date XX/XX/2022. I got a nasty call from New Day Financial on XX/XX/XXXX saying my payment was late and they were going to keep my escrow towards this and I still owed them $ XXXX. This is what started all of this and When I found out they were keeping my MONEY,
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-07-02
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: Affirm Holdings, Inc (IN)

I noticed an account with Affirm on my credit report in XX/XX/XXXX. I disputed it with the credit agencies because I did not open it. They came back saying Affirm said it was accurate. I then went to affirm and disputed it three different times in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They also said it was accurate and I was responsible for the loan. After some digging, I found evidence that my husband who I am separated from, took out the loan in my name, without my permission. I mailed a letter to them in XXXX of XXXX showing this evidence and also submitted a complaint to the XXXX XXXX XXXX Affirm responded to the XXXX  saying it was correct but referred to me several times as XXXX XXXX. My maiden name is XXXX and I am guessing that it was they meant but this is just further proof I did not open the account as that is not my legal name. The original order ( truck parts from a company called XXXX XXXX XXXX  ) paid for with this Affirm loan was not addressed to me or mailed to my address either. I can't even access any information on Affirm 's website because I didnt create the account. They have since marked it as 120 days late and sent it to a collection agency. It has destroyed my credit and I don't know what to do to prove I didn't do this.
Consumer complaint received 2020-05-26
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-07-24
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY (NM)

Received a copy of our credit report and discovered that on our credit reports our morgage was included in our bankrupcy. However this is not the case and we have been making on time payments for the last 6 years. 

Credit report indicates that we do not owe any balance and our payments are XXXX however they still accept payment each month. This inaccuracy on our credit report has added even further strain to our credit and financial situation, increasing our interest rates and removing us from qualifications from certain loans, credit cards and other tools to begin rebuilding our credit
Consumer complaint received 2022-04-01
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)

Ive asked the XXXX, XXXX, Equifax, and XXXX Nexus to Verify who is the " Original Creditor '' of the " Alleged '' Debts on My Report. They have not done a proper investigation over the last 4 years of me disputing the companies. I have been denied for Buissness and personal funding. Under 15 USC 1681-1681c. 15 USC 1692j. All 4 Credit Reporting comapanies contain inaccurate alleged debts with all different information. No proper investigation, BY LAW, was never done. 15 USC 1681a- 168XXXX. 


Thank You
Consumer complaint received 2020-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (TX)

An item covered by an extended warranty protection benefit that was purchased with my Chase card was deemed defective and in need of repair. Since I found out from the manufacturer it was indeed out of warranty, I decided to submit a claim through my extended warranty benefit. After trying to submit my claim for online several times over a few weeks from XXXX XXXX XX/XX/XXXX ( website malfunctioning due to increased traffic and nearly 2 hour hold times when I called ), I finally got a live person from this company on the line on day 90 to request assistance with filing a claim. Later my claim was denied and when I reached out for an explanation I was told that my claim was in fact not truly reported that day, but on the following .... day 91. I explained to the representative that I am an essential front-line worker during the pandemic and was unable to get in touch with the furniture store during their hours of business ( they store and manufacturer were closed for a month to the public ) to get the estimate. I also asked for a supervisor but was told on multiple occasions the supervisor would contact me in 5 business days. I never received a call back from a supervisor the past two times ( XX/XX/20, XX/XX/20 ) I called to follow up. I am prepared to take this to small claims court if this is not resolved immediately. I am appalled at the business practices of this company! Especially that I have been working on the front-line and it having been a pandemic. One representative I spoke with told me ( XXXX? ) that this should be approved due to my having contacted them to report it on day 90,  especially since I had been trying to submit the claim online for weeks and asked for help with that. I submitted all documentation and went overboard to get a repairman to my home, which took weeks due to Covid restrictions causing the business to be closed, for an estimate.
Consumer complaint received 2020-07-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MO)

I attempted to send money to a friend on XX/XX/XXXX ( transaction # XXXX ). On XX/XX/XXXX, I cancelled this transaction understanding I would not get my {$3.00} fee refunded. I sent MoneyGram a question about the timing of the refund via their " Contact Us '' form on XX/XX/XXXX or XX/XX/XXXX. When I did not get a response, I called MoneyGram on XX/XX/XXXX to follow up on my refund. I was advised I would receive my refund in 3 to  10 business days, and I was advised 10 business days would by XX/XX/XXXX. 

At this time, I also inquired about the question I had sent by way of the " Contact Us '' form. MoneyGram representative advised those communications do not get a response. Why would they have a form to send questions, general inquiries and complaints if they are not going to respond to them? 

Today XX/XX/XXXX, I called MoneyGram because it was the 10 business day and had not yet received my refund. I was told the refund was declined by my financial institution, but they could not give me a reason. According to the representative, the refund was attempted the same day I cancelled the transaction XX/XX/XXXX. I was not notified by MoneyGram that there was an issue with the refund, nor was I told on XX/XX/XXXX when I originally followed up on the transaction. Only because I called, they are sending the issue to the Resolutions Team and it will take another 3 business days to get a response. After 3 business days, I am to call MoneyGram again to follow up with the findings of the Resolutions Team. 

I have already been waiting for my refund for two weeks. Had I not called them, I may have never received my refund. And, the representative made a point of repeating that MoneyGram does not contact the customer about issues on transactions. I believe this is extremely poor customer service and questionable business practice related to consumer financial transactions.
Consumer complaint received 2021-12-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (OK)

Hello, I have submitted several online disputes via XXXX, XXXX XXXX  XXXX. I have also wrote several letters asking them to verify this debt. They mailed me a contract that is lease but its not readable at all! The lease is smeared and you can't read ANY OF THE WRITING OF THE LEASE. I have included in every dispute that I have submitted online and via letter that this isn't my debit! This lease belongs to XXXX XXXX XXXX and  XXXX XXXX XXXX they are siblings. I repeat, my signature is no where on the lease that was mailed XXXX  me on top of that the lease they mailed XXXX me can't even be read and belongs to  my siblings XXXX XXXX XXXX and  XXXX XXXX XXXX! I have tried explaining this over and over via disputes. I have disputed this so many times online they wont let me dispute it anymore. That is against the law. I really need your help, please explain to this company this isn't my debt and I want this removed from my credit reports ASAP. 

Thanks XXXX
Consumer complaint received 2020-07-24
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: Experian Information Solutions Inc. (MS)

I have contacted Experian on numerous occasions for their company to legally Verify inaccurate information on my credit report. I have requested numerous times for them to send me any original Documents or Contracts with my Signature on them legally binding me to the frivolous Charge-offs, Derogatory, Collection accounts that they are reporting. I have not received any original documents stating such. I want to see those original documents. 

Their response to verifying my accounts was a method of a Data Furnisher, Third party companies
Consumer complaint received 2022-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (CA)

Selene Finance is the mortgage servicer on this loan. They have incorrectly dated the closing of the loan in XXXX when it was actually closed in XXXX. This has created a significant set of issues that have not been resolved by Selene, despite dozens of calls and emails to rectify the matter. 

The note, payment schedules and all documentation correctly call for the first payment to be due on XX/XX/XXXX. Payment for the remainder interest of XXXX ( the month of closing ) was paid at closing, as is customary with loan closing procedures. 

But because their error has the closing date in XXXX, since the inception of the loan it has reflected an inaccurate first payment due on XX/XX/XXXX. That is impossible for a loan that closed in XXXX, since XXXX was collected at closing and XXXX had not yet accrued. The note and all documentation correctly call for a XXXX payment on XX/XX/XXXX. 

Therefore, every payment I have made is inaccurately categorized as 30 days late. This has also now been reported inaccurately on my credit. Additionally, Selene has been unable to credit that first payment to my account because it was delivered via bank check. 

I have called Selene every single week since the inception of this issue. Every time, a customer service agent finds the correct note and documentation, starts a case, and sends it to be corrected. I am given a date of correction each time which is false. Nothing has happened. 

Every single time I call, it starts over. They do not contact me or issue a case number or attempt to rectify the issue. 

Selene has the appropriate documentation yet refuses to correct the issue. Every party has the correct documentation the county recorder, Selene, myself, escrow, notary. But Selene still refuses to correct it after dozens of calls and complaints filed.

Now they are inaccurately reporting this information to the credit bureaus ( after acknowledging and identifying the error ) in violation of a few laws. 

This must be corrected immediately. They must correct their files to reflect my correct loan inception date, my on time payment history, and correct my credit file without delay.
Consumer complaint received 2021-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (OR)

My total U.S. Bank ( Mastercard ) fees from XXXX thru XX/XX/2021 : {$1000.00}. 

I was playing Oregon Lottery from XXXX thru XXXX, 2021. 

I had been out of state when I found that U.S. was charging {$20.00} per action. 

I assumed that my fee would be {$3.00} from the lottery and {$4.00} from the bank. 

At first, I asked for help from the Lottery, They wouldn't help me. 

I pleaded with my credit card people. They did credit me {$60.00}. 

I feel that {$1000.00} in fees for three months is excessive. 

I would appreciate your help.
Consumer complaint received 2020-07-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation (PA)

I wrote a dispute letter to this company in XXXX. In XXXX that mail was returned to me because the address I used was not valid. The address I used was the one that was reported on my credit report : Deville Asset Management XXXX XXXX XXXX XXXX, TX XXXX This is also the address they gave me when I paid the debt. They are reporting inaccurate information to the credit bureaus, a violation of the FDCPA and FCRA. Please advise.
Consumer complaint received 2020-07-24
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. (SC)

Equifax is reporting a collection on my credit file and the first report I pulled from my monitoring site shows NO company or contact information. It only shows an account number of XXXX I have yet to hear from Equifax about anything I disputed and it's been 4 or 5 months. I started to settle some of the things I know belong to me but this unnamed account had no information to call to even validate the debt. I requested a report directly from Equifax hoping it would give the needed information since my monitoring site did not. When I received the report they show the name of the collection company as XXXX XXXX XXXX XXXX with a contact number of XXXX when I called that number they said they had no record of my SS # and the report I received indicated it was a medical bill and the representative at this company said they do not collect medical debt!