davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-06
Product: Credit card or prepaid 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: DISCOVER BANK (FL)

On XX/XX/XXXX, I ordered two pair XXXX XXXX XXXX embelished leather Stiletto Sandals ( one black and one nude ) from XXXX XXXX ( merchant ) using my Discover credit card. The black pair of shoes arrived with no problem. However, the nude pair never arrived. Instead, what arrived in the package was a pair of worn XXXX XXXX XXXX beige pumps in a XXXX XXXX box ( see pictures attached ) that I did not order. 

When the worn shoes arrived on XX/XX/XXXX, I immediately phoned the merchant who sent me a label to return the shoes back ( see attached ). I immediately returned the shoes back to the merchant with a letter stating the shoes they sent me were not the shoes I ordered. On about XX/XX/XXXX, I received the dirty, old shoes back again from the merchant telling me the shoes were not sold by them. 

On or about XX/XX/XXXX, I phoned the merchant 's customer service number on their letter XXXX. I was transferred to a customer service manager/supervisor in XXXX XXXX, who barely spoke English and was not familiar with consumer rights per the United States. I asked him to start an investigation and send me videos of the shoes being packed and sent to my home, which he did NOT. I told him that he needed to start an internal investigation because either a dishonest employee or courier took my new shoes and sent me dirty, old shoes. The supervisor did NOT care. 

I then turned to the Discover ( the credit card company ) to dispute the purchase charge. Discover pretended to start an investigation and months later add the charge back to the account. Discover decided to side with the merchant. Per the last Discover credit card customer service agent, ( XXXX in XXXX ), I spoke with on XX/XX/XXXX, " she is sorry for what happened to me, but XXXX XXXX is their client ''. I have left several messages for Discover supervisors to call me back but Discover has gone silent and does NO longer discuss the above case with me. When I call Discover,  customer service place me on hold and tell me they do not have any supervisors or managers in the whole institution that is available to speak with me. 

This is a fraud. I have been a victim of consumer abuse and economic crime by two powerful institutions. They stole from me by charging me for merchandise that was never delivered to me. I feel disgusted and overwhelmed with this situation. Discover has given me the run around since XX/XX/XXXX and keep on charging me the {$74.00} to my statement. I pay all my bills timely, however, I am not paying for this item that was not delivered to me.
Consumer complaint received 2020-06-22
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Conduent Incorporated (GA)

Number 1, your questions are not exactly geared to my issue. I am having an issue of calling the only number I have been issued for the GoProgram 's Way2Go card. I have been able to transfer money to my bank one time, and now, it does not give me that option through that number anymore. All options, press 1, press 2, etc., are not giving me that option anymore. I have tried every option on that system and nothing is there. 

I have automatic bill pay and I can not transfer the money. I have gone directly to my bank with my card, and it does not accept the card. The nearest ATM that will accept it ( I've checked online ) is 8 miles away. This is really inconvenient. 

I went into the GoProgram 's website to see if I could get direct deposit. The option is for Oklahoma only, I live in Georgia. 

I called your phone number and spoke to someone who was very helpful. I will try what her suggestion is. But I wanted to file my complaint in case her suggestion will work ( she gave me a phone number to call to see if I can get direct deposit that way ). 

Thank you for your time and efforts on my behalf.
Consumer complaint received 2019-05-06
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: TransferWise Ltd ()

On the XX/XX/2019, I executed 2 transfer ( s ) on the Transferwise platform under transaction ID : XXXX and XXXX for a total amount of US {$6000.00} where I was looking to sell those US $ to buy Euros and Sterling GBP. This was executed on the usual XXXX XXXX XXXX XXXX ( XXXX ) Account of Transferwise as I have been doing over the past 6 months On the XX/XX/2019, after Transferwise and XXXX received those US {$6000.00}, I received a notification from Transferwise that the transaction was cancelled as the bank account details was not accurate. Transferwise advised that the transaction was being cancelled and that I will receive the refunds within 2-5 business days On theXX/XX/2019, Transferwise advised that the transaction was cancelled because of a change of license and hence had a new bank account for non-US based US $ transaction. This change of license was never communicated and was not explained on the platform when executing the transaction On the XX/XX/2019 after multiple phone calls to Transferwise and several e-mails Transferwise sent a document arguing that this was a proof of cancellation and return of fund. This document was shown to XXXX XXXX XXXX with all details. XXXX advised that they never received any communication from XXXX that these wire transfers were cancelled. Typically for bank to bank transfer a swift message is sent so the other party bank can take appropriate action On the XX/XX/2019, after 11 days ( 7 working days ), no money has been received on my bank account. I have been spending more than 10 days with no idea where are my US {$6000.00}
Consumer complaint received 2021-02-09
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: JPMORGAN CHASE & CO. (FL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. JPMCB - CARD SERVICE Inquired on XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2020-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

On XX/XX/XXXX, I received an off scheduled Escrow Statement from PHH Mortgage Services XXXX XXXX XXXX, XXXX  XXXX, NJ XXXX. I received an Escrow Statement claiming a shortage with a Proposed increase in Payment. I called today, Monday XX/XX/XXXX & spoke with a female claiming to be XXXX, ID # XXXX then to XXXX, ID # XXXX  regarding the matter. According to XXXX, the tax department checked the website in XX/XX/XXXX & claim the tax would go from $ XXXX {$3200.00}. I told him, Mayor XXXX XXXX sent out a letter that states, NO TAX INCREASE. He never requested a copy. He said he would forward the information to the unit that deals with tax. He was unable to provide me with the information from the City if XXXX that was used for the proposed increase in the mortgage. How many other residents are been ripped off by PHH who is part of Ocwen Service LLC ( who made a settlement to pay homeowners who they foreclosed on because of their procedures & policy )
Consumer complaint received 2020-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (CA)

I AM FURIOUS WITH WELLS FARGO AND THEIR CUSTOMER SERVICE. THIS ACCOUNT IS A FRAUDULENT ACCOUNT THAT OPENED AS A RESULT OF IDENTITY THEFT. I HAVE SUBMITTED ALL NECESSARY DOCUMENTATION TO REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT, AND THEY ARE REFUSING TO HELP ME WITH THIS MATTER. I HAVE SUBMITTED POLICE REPORT, FTC IDENTITY THEFT REPORT PROVING THAT I AM A VICTIM OF ID THEFT AND THIS ACCOUNT WAS OBTAINED FRAUDULENTLY USING MY PERSONAL INFORMATION.
Consumer complaint received 2019-05-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (WA)

Last XX/XX/2018, my Mortgage Co., Mr . Cooper, lost my check. I realized that my payment had not been put through my account by late XXXX. Since I had never been late on a Mortgage Payment, I called the company, Mr. Cooper, and spoke to someone at Mr. Cooper.A lady told me to give them a week to see if they had found the check..When the week was up and they had not processed the check, I called again ... She told me to do a check over the phone, which I did. The very next day, the original check showed up and Mr. Cooper put it through my account which caused my account to be overdrawn, I did a stop payment on the check but was charged {$35.00} for being overdrawn by my bank, and a {$30.00} fee for a stop payment of the check written in XX/XX/2018. So guess what, this XXXX Mr. Cooper lost my check again ... I again did an over the phone payment. ( My payment is due on the XXXX of the month ) Then last Friday, XX/XX/XXXX, the check for the XX/XX/XXXX was put through my account, again overdrawing my account. I had to borrow money to cover this check. Mr. Cooper wants to automatically withdraw funds from my bank ... I don't trust them. This year the lady should have put a note on the account in case the check showed up ... I guess they didn't.
Consumer complaint received 2020-06-22
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)

Searching my recent credit report, found out a few accounts and inquiries which I never opened before. I carefully looked all of these accounts and listed all of them in identity theft report. Sent request to investigate and remove all of them from credit report as soon as you can. I uploaded personal information like ssn and dl. I think personal info was stolen and used by someone else. all accounts are fraud. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 
If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Consumer complaint received 2019-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (GA)

On XX/XX/2019, I was informed by Discover that my credit card had possibly been used fraudulently. Upon checking my account I noticed five charges that had been made on my card by a scammer in XXXX XXXX, Florida. I live in Georgia  and have never been to XXXX XXXX. Discover realized the mistake and credited the Florida charges. My account was closed and a new card was to be issued that I should receive in 5-7 days. Discover also added additional security questions to my  account including a verbal password stating these additional features should protect me. I also put a security freeze and fraud alert on my credit report. 

After 15 days, I contacted Discover to inform them that I never received a new card. A Discover representative said the new card had been sent but it had not been activated. When she confirmed my address, she used the XXXX XXXX location!!! The scammer was able to get a new Discover card in my name sent to her Florida address. How is this happening? 

Again, I attempted to correct the address debacle. Discover closed that account and sent me a new card via XXXX XXXX to my address in Georgia. I received the card the next day. As of today ( XX/XX/2019 ), no new charges have been made to my credit card account. 

The compliant is that prior to XX/XX/XXXX and since that time the scammer has been able to change my mother 's maiden name and change the verbal password created to protect me. How does a maiden name change? Shouldn't that create alarm? The scammer knows my name, social security number, and birthday. I welcome the third degree I now get when I call and I continue to request additional security on my account as the scammer seems to know everything typically used and Discover falls for it. Additional protection has been provided ; however, I continue to get emails and phone calls from Discover to verify that I want to change my email or home address, etc. 

Related to this is that I've had fraudulent activity on my Discover Bank account as well ( {$4000.00} ). Previously, I didn't realize that Discover Bank and Discover Card are two different entities and require their own security options. When I thought I was safe with Discover credit card I find out later that Discover Bank doesn't have the new information and visa-versa. The scammer had access to both. 

Even with the new security measures Discover has taken, I can never trust the Discover credit card or Discover bank again. 

Thank you PS : My XXXX  account was also compromised. One conversation resolved the matter. The account was closed and a new card was issued within days. Thank you XXXX XXXX.
Consumer complaint received 2019-05-05
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. (NJ)

Equifax is reprinting innaccurate information and are in violation of my FCRA rights as a consumer which is punishable with {$1000.00} per offense they refuse to remove these items XXXX card is fraud as they insisted I was paying with a XXXX XXXX checking account but I will attach a XXXX XXXX letter stating I never opened such account but yet this is the 3rd time Equifax is reporting this as verified yet they dont send me relivent information and nieghter does XXXX card!! The second time is XXXX XXXX this has already been verified as fraud on XXXX and XXXX yet they are still reporting it .... furthermore XXXX XXXX  has confirmed this is a fraudulent auto account as well and XXXX  and XXXX have deleted it but Equifax is still reporting this.. furthermore there are inquiries from XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX that have been reporting that are fraudulent and Equifax  is still reporting this they are in violation of my rights of FCRA laws
Consumer complaint received 2023-03-28
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)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please correct the following items immediately : 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 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
Consumer complaint received 2022-07-29
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. (MD)

Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MD XXXX EMPLOYER : XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ML Credit Holdings, LLC (SC)

I set up automatic payment drafting for my auto loan. I was instructed to read a form in the office which states that I give XXXX XXXX company permission to debit my account for XXXX each month, and they have done so each month. Today XX/XX/2019 the clerk charged my account XXXX, and told me that the corporate office is now shut down and that she's not going to do anything about the situation! The car needs XXXX worth of repairs so it sits in my yard undriveable, so she added gap insurance without my knowledge. Ok, i get it ... but I didn't agree for you to take that amount out of this bank account. How can she just take money that i did not approve of without my signature?! That's essentially agreeing to one thing then changing stipulations later without notifying the other party! Unprofessional and careless.
Consumer complaint received 2020-12-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

1 ) Nationstar Mortgage LLC d/b/a as Mr. Cooper, the mortgage servicer, lost XX/XX/XXXX payment and refuses to admit it. Please see following : XXXX XXXX billing statement, USPS receipt and Certified Mail ; signed and postmarked Certified Mail ; Return Receipt Requested green card ; copy of XX/XX/ most recent letter to servicer again explaining situation. 

2 ) Further, on XX/XX/, Nationstar sent me a Escrow Review Statement showing a shortgage after the XXXX payment of the 2nd installment of XXXX taxes of {$1200.00} when, in reality there was an excess after their XXXX payment and they want to increase the monthly tax escrow deposits in an amount to accumulate an excess of {$1500.00} or 16.7 %. This should be considered excessive. ( See XX/XX/ letter. ) Copies of the Escrow Review Statement and my, separate analysis indicating a lower monthly tax escrow deposit also follow. Home owner 's insurance premiums are paid directly by me and are not included in the escrow. The policy is current. 

Instead of resolving this problem, Nationstar has notified me that it has sold the rights to service my mortgage to XXXX XXXX XXXX XXXX XXXX of XXXX XXXX,XX/XX/XXXXUT effective XX/XX/2020. I expect trying to resolve these issues with a new servicer will be nearly impossible, especially the lost payment which XXXX XXXX XXXX does not have in their possession, and would require an extensive amount of time. In the meanwhile, they may be likely to report late payment to the credit bureaus. 

There are 8 pages of attachments.
Consumer complaint received 2023-03-28
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. (GA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPRESENTATIONSXXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPRESENTATIONSXXXX XXXX XXXX XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT. 

ATTACHED IS THE LETTER REQUESTING REMOVAL OFF THE UNAUTHORIZED INQUIRIES.
Consumer complaint received 2020-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

On XXXX XXXX I submitted dispute letters prepared by my Paralegal according to the Fair Credit Reporting Act and requested in the letters the names of the individuals at XXXX Trans Union and XXXX to provide me with the information that they used to verify the accuracy of the disputed items published on my credit reports. I requested credit applications used to open these disputed accounts reported on my credit report is truly me. These Bureaus publish information taken from any creditor without first validation of the accuracy of the information published and have been doing this for years in violation of the FCRA and getting away with it just like police officers and their XXXX acts. I requested copies of updated credit reports, names if the individuals who verified these accounts application used to open the accounts and any pertinent information they claim identifies me as the individual who opened these accounts. We have a non profit group of individuals who are preparing the same letters to combat the frivolous fraudulent information published on individuals credit reports unverified for monetary gain from the credit bureaus. We are going public on the radio announcing what the credit bureaus are doing and offering FREE service to assist in disputing wrongful information on XXXX Americans credit reports with the intention of bringing a class action lawsuit against these agencies.