davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-01
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: JPMORGAN CHASE & CO. (VA)

On XX/XX/2020, I reported a dispute to my credit card company for the amount of {$3300.00} at which time the credit card company MasterCard agreed to put my purchase in dispute due to faulty services. I waited the mandatory 20 days and began to call the credit card company to ask for updates on my dispute at which time they informed me that the dispute was still being investigated and continue to offer me call back services that were never performed by them. On XX/XX/XXXX I called the credit card company and ask for an update on my Dispute and found out the dispute have been cancelled per my request which was never authorized by me I asked for a recording of me canceling to dispute their credit card company failed to provide one and said it could not be located. At which time another representative put my dispute back into deep static and told me that they would follow up with me in a few days on the XXXX of XXXX I called to follow up on my dispute again only to find out that again somebody had canceled my dispute an authorized the charges without my permission. I asked again to hear the recording what's the credit card company could not provide I asked for a manager to call me and left a third message for the dispute Department to contact me. After not hearing anything I called today ( XX/XX/XXXX ) I called and spoke to a manager to inform me that she could not help me but she would escalate the case again and I would receive a call. This is the fourth time in a two months. It just casing escalated and today I have not received a call back for the credit card company and they continue cancel my dispute. The credit card company in question is Mastercard I have called them on multiple occasions and ask to speak to manager as an attempt to alleviate my concern to which I'm just told I will get a call back and never received one. I would like to escalate this issue to your department in an attempt to have this resolved.
Consumer complaint received 2023-07-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Corp Solutions Inc. (GA)

The first call is to a number I do not have listed with any creditor. 

On XX/XX/2023 at XXXX, I received the first call from Credit Corp Solutions trying to get ahold of me from the number XXXX. I informed them that I would not be verifying any information and that they should communicate via mail only and that any attempts to contact me by any means would be a violation of the FDCPA. The caller then got aggressive trying to get me to identify myself and to find out if I knew the debtor. I informed him once again he is violating the FDCPA by continuing the call then I hung up. 

On XX/XX/2023, my mother received a phone call from ( XXXX ) XXXX at XXXX. The person on the phone refused to give their name and company then continued to badger her into giving them my information. I told her to hang up and I will call them back. At XXXX, after doing research, I called them back to see who called. I spoke with XXXX XXXX XXXX XXXX XXXX and informed her that her company has violated the FDCPA by continuing to make calls to others to get ahold of me in addition to harassing my family. I informed her that they only had my permission to communicate with me via mail only. She remained quiet so I hung up
Consumer complaint received 2023-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (MO)

In detail, Chexsystems is reporting that I have a XXXX XXXXXXXX amount with XXXX XXXXXXXX XXXX  XXXX on or around [ XX/XX/2019 ]. I am disputing this report because I believe it to be inaccurate, false, and fraudulent 15 USC 1681. I am requesting evidence of this unresolved outstanding negative report from [ Chexsystems ].
Consumer complaint received 2023-07-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (NJ)

Hello, I'm very disappointed to write this that " Remiltly Inc. '' App does not securely transfer money and solely rely on account number only. They do not verify first name or last name or email or phone. 

If they or I make any single mistake in writing an account number money is taken to any partner bank without any confirmation or verification process. 

There was one typo meaning one XXXX missing in an account number and still the funds went through on XXXX XXXX it was supposed to be received to my family for medical emergency since my brother was admitted to hospital but they have been giving me different answers. 
Also, I reached out to recipient XXXX XXXX- XXXX XXXX XXXX  and they checked both the wrong and right account numbers. None of the account has shows any entry from remitly or under my name for the XXXX and XXXX month. I have followed up with Remitly every week since XX/XX/XXXX and I had to file this complaint against Remitly since they are not refunding my money neither providing it to the correct recipient. 
Please see transfer details below : Remitly transfer reference number Recipient : XXXX XXXX XXXX ( my uncle ) Transfer No. : XXXX XXXX XXXX XXXX Submitted : XX/XX/2023 XXXX XXXX  EDT Reference No.XXXX XXXX XXXX XXXX Delivery : Bank Deposit Bank  : XXXX XXXX XXXX  ( XXXX ), XXXX. 

Please let me know if you need any more information. 

Thank you, Looking forward to hearing back from you, XXXX XXXX
Consumer complaint received 2023-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

Just received a bill from city cards for {$260.00} on a card that I have never owned. I dont even have a city card other than a Costco card which shows a XXXX  balance.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$1600.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.
Consumer complaint received 2024-11-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC (FL)

MY HOME IS IN A FEMA DECLARED DISASTER ZONE FROM HURRICANE HELENE AND MILTON. I MADE MULTIPLE REQUESTS VIA TELEPHONE AND WEBSITE REQUESTING ASSISTANCE WITH MY MORTGAGE. I NEVER RECEIVED A RETURNED PHONE CALL, EMAIL, USPS MAIL, OR ANY TYPE OF FOLLOW UP AFTER MULTIPLE REQUESTS. I AM IN A HARDSHIP DUE TO DAMAGE TO MY HOME. THIS COMPANY HAS BEEN IMPOSSIBLE TO DEAL WITH AND I WISH MY MORTGAGE WAS NEVER TRASFERRED/PURCHASED BY THEM.
Consumer complaint received 2024-11-22
Product: Credit 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: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

Subject : Dispute of Unauthorized Charge {$210.00} on XX/XX/year> I am writing to formally dispute a charge of {$210.00}, posted on XX/XX/year>, to my credit card by the vendor XXXX XXXX XXXX in XXXX, XXXX. 
Reason for Dispute : I unequivocally confirm that I did not authorize this transaction. During my spending in XXXX on that date, my purchases were all minor and never exceeded {$100.00}. I do not have a receipt of items for any purchase matching this amount because such a transaction for that amount did not occur. 
Possible Explanation : The merchant have charged an amount in Euros instead of Turkish Lira. For example, an intended amount equivalent to XXXX USD in Turkish Lira have been mistakenly processed as Euros, resulting in this significantly higher charge. ( The exchange rate was about XXXX euro equivalent to XXXX Turkish Liras ) Request for Resolution : I kindly request that you honor your policy on unauthorized transactions and reverse the charges.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX, XXXX CARD XXXX
Consumer complaint received 2023-07-28
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 — Problem with personal statement of dispute
Company: FIRST NATIONAL BANK OF OMAHA (FL)

On XX/XX/XXXX I received a letter from FNBO stating they were decreasing my credit limit from {$10000.00} to & XXXX due to credit bureau XXXX reporting. I had missed some payments but had not made active purchases since I knew I was struggling to make the payments every month. All payments I did make, however, were on time and for more than the required amount due. Once I received the letter on XX/XX/XXXX, I made a very serious attempt to get my account up to date, making good progress towards the balance and getting my credit score up to buy my first house. XX/XX/XXXX made a payment of {$1000.00}, XX/XX/XXXX made a payment of {$1000.00}, XX/XX/XXXX made a payment of {$1000.00} and XX/XX/XXXX I made a payment of {$2000.00}. Upon checking my credit score today as I am working with the bank on a mortgage loan, I find out only through the credit reporting agency that FNBO had again decreased my credit limit, this time from {$9400.00} to {$5300.00} taking my credit score way down. Now I will be over my credit limit. I spoke to XXXX at FNBO XX/XX/XXXX and she could not help, they get notified from the credit agency, plug in the info, without taking anything into consideration, for example that I paid {$4000.00} in the month of XXXX trying to get this down, then asked and spoke to her supervisor XXXX who also said there was nothing she could do about it as she is not part of the " decrease '' department, whatever that means? This really hurt me in my attempt to purchase a home for my family and I can find any help to reverse what FNBO has done to my credit.
Consumer complaint received 2020-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (IL)

We re-financed our mortgage on XX/XX/XXXX. As part of the settlement process, our mortgage with Statebridge was paid off IN FULL on XX/XX/XXXX. At the time of payoff, we had an escrow balance of {$4800.00}. 

On XXXX, I called Statebridge to inquire on the status of our escrow refund. I was told by the Cust Svc Rep that the " Investors '' needed to approve the refund and that it usually took 30 days. I communicated to the Cust Svc Rep our sense of urgency of getting our escrow refund, due to the financial uncertainty associated with the Covid-19 crisis. She said there was nothing that she could do to expedite the refund, and I then asked to talk with a supervisor. I was transferred to XXXX, and re-iterated the same concerns and asked about getting our refund expedited. I was shocked by the attitude and rude demeanor of XXXX, who essentially accused me of trying to leap frog everyone in front of us and said " you're all in the same boat ''. XXXX does not know our financial situation, and her callous response was both unprofessional and ill-informed. She ended all by saying that " we have 30 days to return your money '' so you'll have to wait the 30 days. 

On XX/XX/XXXX, I called Statebridge again to inquire on the status of our escrow refund. I spoke with XXXX, who indicated to me that the refund process is 30-45 days. This was inconsistent with the timeline that I was given on XXXX. I again re-iterated our sense of urgency in getting back our escrow money. XXXX indicated that he would send an email to Statebridge Cashering to inquire on the status of our refund, but I never received an update. 

On XX/XX/XXXX, my husband called Statebridge again to inquire on the status of our escrow refund and spoke with XXXX. My husband again re-iterated our sense of urgency in getting this money back, and XXXX told him the process could take up to 45 days. When my husband pushed back, XXXX indicated that he would open up a case. When my husband asked for the Case # ( for reference purposes ), he was told that he couldn't have it. This was the LAST straw!!! 

At this point, our loan with Statebridge has been paid off for over 30 days, and we're getting ready to make our first mortgage payment with our new lender. Meanwhile, Statebridge is still hanging on to OUR {$4800.00} escrow funds. It's abhorrent that a big company like Statebridge would take advantage of the " little guy '' during this unprecedented pandemic when many people ( including us ) are experiencing financial anxiety. This complaint is our " next step '' in getting this company to do the right thing and return our money.
Consumer complaint received 2024-11-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (NC)

I filed XXXX XXXX bankruptcy in XX/XX/XXXXXXXX  during covid due to family financial hardship. My Case NO : was XXXX. I worked very hard and paid it off early. XX/XX/XXXX, I received an Order to Deem my Mortgage Current from the XXXX Bankruptcy Court of North Carolina XXXX XXXX signed by XXXX  XXXX XXXX XXXX. 
The trustee disbursed to XXXX  a total of {$62.00}, XXXX representing contractual mortgage payments for the months of XX/XX/XXXXXXXX  through XX/XX/XXXX. SLS was paid an additional {$20000.00} for pre-petition arrearage claim. SLS was notified and served a Notice of final Cure Payment complying with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never replied but sold the mortgage to Shellpoint. 
Shellpoint will not accept the decision of the court or that I own this property. Shellpoint has tried to force me to do a force Modification loan, threatened foreclosure, have added their hazard insurance. I have had XXXX  XXXX  from the purchase date. 
XXXX  sent them proof of insurance twice so did I. I sent the deed, power of attorney and bankruptcy documents everything they asked for. Now they say I owe {$4300.00} in the rear and three months late, this is new. I was directed to pay SLS {$1200.00} a month starting XX/XX/XXXX. I have paid them {$1300.00} since XX/XX/XXXX and have not been late or missed a payment. The office of attorney XXXX XXXX sends payments to lessen confusion, Shellpoint kept all payments. 
The first payment went to SLS as directed returned to be sent to Shellpoint it was not late. To day I got another letter stating that I have until XXXX to pay everything or lose my home. I received two overpayment checks from the bankruptcy court. I get correspondence at least three times a week accusing me of a debt I do not owe and harassing me constantly I want it to stop.

I have never seen such a mess in my life. I am XXXX XXXX XXXX, a XXXX  veteran of XXXX years. I do pay my debts. I need help I can not let them take my home or go back into another bankruptcy. What is really going on with this company. Why are they challenging the North Carolina Bankruptcy system? Why do they want my home so badly? Can you help?
Consumer complaint received 2024-10-30
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

I looked at my report back on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I sent a letter asking them to reinvestigate these accounts listed below because Collection XXXX XXXX XXXX  open XX/XX/XXXX account number XXXX is not my account and has another social security number that is not correct, this account is not accurate. 

Can you look into this matter
Consumer complaint received 2018-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

This is the 15th time in a few months that chase has disappointed me as a customer. I reported an unauthorized charge on my account to which the representative rudely told me I have no right to dispute the transaction due to some asinine 60 day liability policy that they uphold. The transactions were two fraudulent transactions made my XXXX XXXX on XX/XX/XXXX and one in XXXX. Honestly, this is the last time I will complain about this company before I take further ( legal ) action. There is absolutely zero regard for me and my money.
Consumer complaint received 2024-11-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (AZ)

I have made every payment on time to this company. This is a XXXX called Shellpoint. The company used to be called SLS ( Specialized loan servicing ) I have every payment I have ever made and evidence of all payments leaving my account. I have called the company numerous times and been left on hold for over an hour at a time with no resolve. 

I have reached the brink. They have assessed late payment fees to my account and have even sent me a nasty letter stating that I can no longer make withdrawals from my line of credit. 

I have my bank statements and screenshots of everything this lousy company is doing. 

I do not make late payments and I am extremely fiscally responsible which is why I have reached the brink of frustration with this company. 

I am currently on hold with them as of this second of which I have been for 1 hour 11 minutes and 49 seconds and this is the 2nd over an hour call I have been on with them today.. Waiting for a supervisor / escalations dept to rectify this which has never been rectified.
Consumer complaint received 2024-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AE)

on XXXX XXXX, my father added me to his bank account unbeknownst to me. I received a letter asking for information. That was highly unusual. When I rang USAA was sent to a recorded message asking me to submit ID proof. The website https : //usaa.comXXXX XXXX on XXXX, XXXX, XXXX. Using XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. NONE of that works. From messages unable to validate ID to not recognising the file, after numerous tries, I can get them uploaded but fails with a message unable to identify ID. I have used different telephone numbers to talk to someone at the bank. One attempt last week telling the representative I wanted to open an account got me to someone who told me until they get my ID I am not able to access my account!!! I have banked with USAA about 30 years!!! I do not know why I have been locked out of my account. I can understand the need to have ID adding me to my Father 's account, but mine???? I tried calling fraud, XXXX was reminding me 8+ times they are not able to do anything until they get my color ID 's. I have NO access to my money!!!! Also this XXXX had no way to connect me to the banking side of USAA ..... Please help getting this unlocked. I mailed the needed information to them but from the military Post Office the transit time is TWO WEEKS! XXXX