davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-13
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (PA)

Good day, I was on forbearance and decided to pay back all the money that I owed for my mortgage from XXXX to XXXX after I secured a loan. Wells Fargo is refusing to update my information on my credit reports. They have received the payments of all those months but still my credit is not accurate. XXXX report is showing that there NO DATA AVAILABLE for the month of XXXX to XXXX. XXXX is showing NO PAYMENT MADE. XXXX is showing that I am under FORBEARANCE. I have paid XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and none of those payments has been used to update my credit report showing. Those months are still showing on my report that no payments were made. I have reach out to Wells Fargo and still calling them without any success. I said to them that if they want to keep the information on my credit, they should give me back the money and have the loan modified, or an extension of the loan, or a new interest rate. They can not keep the money paid for the months of forbearance as reinstatement in a lump sum and not update my credit report to reflect the payment. I talked to several agents and managers and they always promise to update the information since XXXX nothing is being done. 

Thanks in advance for you help in this matter.
Consumer complaint received 2022-10-29
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Collection Systems, Inc. (NY)

On XX/XX/22, I sent a formal cease and desist letter to stop all communication from National Collection Systems , inc, which was delivered on XX/XX/22. Immediately after the receipt of this letter, National Collection Systems , inc. contacted me via email in an attempt to collect debt they allege I owe. This agency has repeatedly contacted me, asking for my social security number or mailing address and harassed me while at work. Their communication has interfered with my day to day life.
Consumer complaint received 2022-11-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

To whom it may concerns : Dear Miz/Sir, my bank and I have been trying to reach Bank of America for more than a month, nobody replies our requests.

Please, I am begging you! Help me! Soon I am going to have the childs delivery, I am very stressed because of BOFA, what things they do are against any human rights! Is this a theft? 

The bank is holding my money without any reasons! 


The receiver punished me already with a fine for not paying on time, thats why this wire transfer is no longer valid, it should go back to my XXXX  account and I will find other ways to send it. 
Help me please, I hope only your company can help because the bank ignores any letters, texts, calls from me and XXXX XXXX.
Consumer complaint received 2021-02-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (DE)

Its now been 2 years since this company took me to court to sue me. I appeared in court and the debt was discharged. 
This company continues to put in my credit report and has made me not eligible to seek other credit advances. I have disputed this account over 10 times and still its on my credit report. XXXX is the one company that the charge off is record it. I say again I have spoken to this company several times Again I had appeared in court what happens when someone credit is messed up could I sue this company.
Consumer complaint received 2021-02-22
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America locked my account the day after I submitted a claim in which an ATM I used didn't dispense the amount I requested. The claim was closed due to " fraud '' with no official investigation. Bank of America has stated that XXXX will need to verify my identity before they can unlock my account. This has already been done, and XXXX has submitted a request to unlock my account, but Bank of America still refuses to unlock my account.
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (OH)

Using my XXXX XXXX XXXX, on my XXXX Account, I places an order for {$330.00}, order number XXXX. The order was separated into multiple packages, and for one reason or another one of the packages never arrived. The missing package was {$37.00}. When the package was updated to delivered in XX/XX/2020 at XXXX pm without any XXXX delivery truck appearing all day, I immediately checked my porch, and other areas around my home. However, the package was not there. I then walked to another building that has a secured mail room, that packages are sometimes left at. However, there was again nothing there. I then went through my XXXX account and using the customer service portal, timestamps at XXXX, I noted that no delivery was made to my address. I was informed to wait two full days and if the package wasn't received by then I get a refund or XXXX will replace my item. 

After waiting the full two days, I reached out to XXXX on XXXX/XXXX/XXXX, and reported the item as still not delivered. I was told by customer service that they researched the item and was instructed to wait two more days until XX/XX/2020, and I will definitely get the item. 

Now on XX/XX/2020 I have reached out to XXXX reporting the item as still never being delivered. However, they stated due to a delivery being noted, that I am not eligible for a refund or replacement. 

Despite documented proof of the item never being delivered, and documented correspondence from XXXX guaranteeing a refund, XXXX is still listing a charge for {$37.00}, for an item never delivered. This even appears on my credit report as part of my balance, even though they failed to provide the services to run the charge on my credit account in the first place. 

I did not reach out to Chase, as a dispute and/or chargeback is pointless. As I initiated the transaction and XXXX can show fictitious documents of delivery. However, I've included XXXX on the complaint as this affects my XXXX XXXX contracted out through Chase.
Consumer complaint received 2021-08-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

1. I reported my card stolen on XX/XX/21 in XXXX, XXXX 2. Chase representative said that I initially reported the card as lost and in my possession. Therefore, Chase denied my claim on XX/XX/21. Chase scheduled to charge back the {$2400.00} in credits to my account causing an overdraft amounting to - {$2100.00} on XX/XX/21. 
3. I called the claims department and asked why and this is when they informed me that the claim was filed incorrectly by one of their representatives. They asked me to submit the police report for a second review. 
4. I attempted to submit the police report and a statement of what happened on XX/XX/21 ( attached document ) however, it did not go through and Chase never received it. 
5. I attempted once more on XX/XX/21, this time by going to a Chase Bank branch. 
6. On XX/XX/21, I verified that they had received the documents. 
7. Today, XX/XX/21, I was informed that Chase determined " We found that the transaction ( s ) was processed according to the information you provided or was authorized '' and followed up with " No adjustment will be made to your account at this time. '' 8. So I called the claims department and they said there was nothing they can do and that the claim was denied because they determined I still had the card in my possession. They further added that if new evidence comes up they can reevaluate but that it's not possible to resubmit the claim for a third review. The representative also accused me of " changing my story '' even though the truth is that I was robbed and my cards were taken and used fraudulently without my consent 9. Another thing that I did mention to the representative on XX/XX/21 was that I didn't know " XXXX XXXX XXXX '' was a " Hospital '' merchant and so I recognized the charge was likely from a COVID rapid test I got since I was getting ready to leave XXXX for my home in XXXX ( as you know, President Biden requires a negative COVID test for entry into the US regardless of vaccination ). 
10. I submitted a police report. Why would I lie to the police? In the report, it states that the perpetrators stole my Chase/XXXX XXXXXXXX cards. XXXX XXXX swiftly removed the unauthorized charges and they have remained off. Chase did not do so and by doing so it is hurting me financially as payments set up on autopay are being rejected constantly.
Consumer complaint received 2021-08-19
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: BARCLAYS BANK DELAWARE (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft BRCLYSBANKDE Account Number : XXXX This is not mine. 

9. Identity Theft BARCLAYS BANK DELAWARE Account Number : XXXX This is not mine.
Consumer complaint received 2020-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (MN)

To : Executive Office of Discover / XXXX XXXX XXXX XXXX & President XXXX XXXX ) XXXX. 

XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX I called Discover Customer Service to get financial relief ( postponement / reset / interest skip-a-month ) Coronavirus help because I have no job and no money, Discover Lied to me each and every month stating that " Discover doesn't offer Covid-19 relief to its customers '', they keep refusing to reset my monthly payment to {$0.00} since XXXX when this National crisis hit. Discover 's Customer Service Personnel are engaged in Selective Discrimination which is Illegal. Also, last year XXXX I called Discover Customer Service for XXXX Insurance and/or help with lowering my monthly payment due to my XXXX and they told me that " Discover doesn't offer such a thing ''. That to is another Lie! These are all Recorded Phone Calls. and last year after 3 years with Discover I asked for my {$200.00} Security Deposit back & for a non-secured credit card and Discover Lied and keeps saying " I don't qualify '', that is yet another Lie! These people are so cheap and Greedy it is ASSAULTING! Now Discover is sending me Harassing and/or Threatening Text Messages that " I did not sign-up for '' bothering me about payments when they are supposed to postpone XX/XX/XXXX payment regarding ongoing Covid-19 Lockdown. I will have to Sue in US District Court about this abuse and mistreatment.
Consumer complaint received 2020-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (FL)

I have been trying to work with Discover card to get my interest on my credit card down. I had been on a plan from XX/XX/XXXX to XX/XX/XXXX. They wouldn't do another plan until I hadn't been on one for 1 year. I tried working with them and they would only lower my interest down to 12 % which is only good for a year and then it will go back up. They told me that If I wanted to go to a credit counseling service and get a plan with them they would honor it. I don't want to do that. If they are willing to accept a lower interest with them why not just give me the 6 % interest the lady spoke about when referring to the credit counseling. I want a flat rate interest that is low. 
I dont ' want to use the card. XXXX XXXX XXXX gave me 2.9 % on their card.
Consumer complaint received 2022-10-29
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. (TX)

XXXX improperly reported a late when I was on auto- debit. Person XXXX the phone did not take credit card auth properly. 

XXXX  acct XXXX I have attempted to resolve this issue to no avail. This was reported to the credit reporting agency without my consent and is a violation of my rights according to the FAIR CREDIT REPORTING ACT. 
15 USC 1681 602A states I have a right to privacy.

15USC 1681 section 604A also states a consumer reporting agency can not furnish an account without my written instructions..
Consumer complaint received 2022-06-11
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: Resurgent Capital Services L.P. (GA)

Here is a list of all of the fraudulent accounts reported to credit reporting bureaus and other reporting agencies. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( {$1400.00} CLOSED ACCOUNT ) reported XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX ( {$4500.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX ( {$1700.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX ( {$5800.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX XXXX. XXXX XXXX XXXX ( {$5300.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX XXXX. RECEIVABLES PERFORMANCE XXXX XXXX XXXX XXXX ( {$450.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} CLOSED ACCOUNT ) reported on XX/XX/XXXX DISPUTE & POLICE REPORT MAILED TO AGENCY AND CREDIT BUREAU ON XX/XX/XXXX AND XX/XX/XXXX **NO VERIFIED PROOF HAS BEEN RECEVIED FROM ANY AGENCY. 
I have completed another XXXX Police report to include all the items listed on XX/XX/XXXX. 
XXXX and XXXX have deleted and removed the fraudulent accounts at this time.
Consumer complaint received 2022-10-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Westcreek Financial (GA)

My daughter XXXX XXXX and I XXXX XXXX have fraud to report about a company furniture was sent to my address in my daughter 's name that we didn't want to be sent to us we tried reaching out to XXXX which is a lease company to come and pick up this furniture I also made a police report XXXX said they can't pick up the furniture because this is a fraud investigation my daughter never placed this order and XXXX said its in her name from a company called XXXX XXXX and XXXX XXXX said that this furniture order was placed by XXXX XXXX XXXX didn't give permission for the seller to use XXXX 's identity or myself. The items were sent to my address in XXXX ga my daughter XXXX lives in Minnesota and was never in possession of the items. XXXX says these were leased to XXXX XXXX we never gave the seller at winder mattress permission to use our identity. XXXX reported on my daughter XXXX 's credit report that a balance of XXXX is needed and is past due. I have filed a police report and we are disputing this on our credit and we want the furniture removed from the property. XXXX needs to know that my daughter never placed this order
Consumer complaint received 2022-12-13
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: Experian Information Solutions Inc. (PA)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-11-20
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. (FL)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2022-10-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2022, I received a refund from my XXXX- " XXXX XXXX '' for services not rendered for the amount of {$2100.00} using my debit card information they deposited the refund in my checking account ending # XXXX with Bank of America On the morning of XX/XX/XXXX, I received a notification that my account was overdraft. I also noticed two of my payment were returned. I immediately noticed that the orthodontics office charged the account for the same amount I got credited. I notified the Orthodontics office via email and over the phone and on both occasions, they denied that they made the charges. Same day I called the bank and submitted a dispute of the charges, they indicated that this will be investigated and that will take up to 45 days to complete such investigation in the meantime the account was on negative {$1300.00}. I followed up a few times with both the bank and XXXX XXXX and both keep blaming each other for this transaction. 
I visited two different branches of the bank, and instead of reviewing the evidence they keep directing me to the claim dept. which can only take faxes, do not email or calls. 
I sent at least 5 faxes with ample evidence showing emails. I received a few letters stating that a credit was generated but I never received such credit. In XX/XX/XXXX I received a call from the bank stating that they realized this was a mistake and that the claim will now go to a different department for review but that never happened. On the morning of XX/XX/XXXX, I found out that the bank was closed and reported to the XXXX XXXX for " abuse ''. 
Bank of America never contacted me asking for my evidence or to discuss why they closed the account. I have all the emails between the orthodontics practice and myself and all the faxes and letters I sent to resolve this matter with the bank.
Consumer complaint received 2022-10-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (NC)

I'd recieved a call from number XXXX, there was no message left and the call disconnected before I could answer - this call came at XXXX XXXX the Monday after I'd contacted my XXXX XXXX representation. The VA 'd assured me my medical debt was cleared and I have no outstanding bills, it'd seem like the debt collector isn't doing things on the level and someone is trying to scam military vets. 
After I'd spoken with the VA Friday about HRRG sending me a letter saying that I have an outstanding medical debt, the VA representative said that the account the debt collector was referencing was paid a d closed in XXXX, but I've received letters and constant robo-calls from people threatening me with legal action. My debt was sold to HRRG was by XXXX XXXX XXXX And HRRG sent me a letter in XXXX saying my debt would be forwarded to ARS Account Resolution - another branch of HRRG. This shouldn't be possible since the VA confirmed that charity care was applied to cover that balance in XXXX. I'm asking please put an end to the calls and letters being sent since the balance was paid and I'm absolutely upset that the first Monday morning I'm called by debt collectors when just last Friday I'd had two VA reps verify that the claim was no longer open since the debt was paid. There's something strange about XXXX XXXX calling and hanging up before anyone has a chance to answer and I'm not going to call back in the event that they'll try phishing for personal information.
Consumer complaint received 2021-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

I bought a ticket ( amount of {$3500.00} ) for a festival in XXXX XXXX expected to hold on XXXX XXXX from a company called XXXX using my Citibank debit card on XX/XX/2021. The organizer of event canceled the event on XX/XX/XXXX due to COVID-19 pandemic and promised to refund. I applied for the refund on XX/XX/XXXX but alas, the merchant XXXX refused to refund till date. 
I contacted Citibank of the issue and provided all the documentations to back up my dispute. I provided letter showing events was canceled, email exchanges with the merchant promising to refund but didnt ( all evidence attached ) and asked Citibank to investigate the matter and help recover money from merchant since I used my Citibank debit card. 
It is with disappointment that I received a letter from Citibank dated XX/XX/XXXX ( attached ) that they are unable to investigate the dispute because too much time has passed and they encourage me to seek the refund directly from the merchant. I consider this lazy and ridiculous despite providing all evidence to Citibank that merchant was deliberately holding the funds and not trying to repay, despite canceling the event. 
I am very sad being treated in this manner despite being a Citi customer for 11 years. I even contacted my Citibank relationship manager, XXXX XXXX, to intervene in the matter with no luck. This transaction is supposed to be the easiest to resolve since the merchant canceled the event and promised to refund.