davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-22
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (OR)

Chase bank is handling a wire transfer payment to my account at XXXX. The payment was initiated on XX/XX/XXXX, but I still have not received the funds. The person who initiated the transfer has contacted the bank several times in the interim. Chase claimed they needed my full name, date of birth, nationality and place of birth and had " flagged '' this wire transfer. 

Chase has deducted {$30.00} from the payment for this service, but has so far not transferred the funds.
Consumer complaint received 2015-09-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CL Holdings LLC (CA)

I received a letter on XXXX XXXX, 2015 from Jefferson Capital dated XXXX XXXX, 2015 ( attached ). 

On XXXX XXXX, 2015 I mailed a certified letter ( attached ) via USPS certified mail ( attached- received XXXX XXXX, 2015 ) disputing the validity of this debt and requesting validation as I do not agree I owe this debt. My requests are very clear and very legal. 

Jefferson has failed to provide me ANY documentation like requested in my certified letter ( which we have proof they received within the 30-day notice ) yet have tarnished my credit by falsely reporting this information to the credit bureaus. 

Because they have violated by rights by improper reporting/ defamation and disregard to my right of validation and dispute, I am requesting immediate removal of this item from my credit reports.
Consumer complaint received 2015-09-22
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: Blackhawk Network Holdings Inc. (PA)

PayPower has failed to provide credit. Case number XXXX states that Pay Power is waiting for proof of purchase, submitted proof of purchase along with this statement. Create a dispute on XXXX and still no resolution and it is XXXX. Pay Power card number is **************** exp date ; XXXX.
Consumer complaint received 2015-09-22
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (MN)

Hello, Around XX/XX/XXXX my wife and I ran into difficult financial times with XXXX and were force to file bankruptcy. We tried to keep our house by continuing to make payments until XX/XX/XXXX. XX/XX/XXXX, we stopped making payments on our house and moved out. Because the house we lived in was under construction we were unable to do a deed in lieu and have to wait for the foreclosure of the house. Since then I have rebuilt my credit and have been trying to purchase a another house. However, the previous house has not been foreclosed on ( and we need to wait 2 years after the foreclosure to qualify for an FHA loan ) we are unable to purchase a house. I called the mortgage servicer and they told me that they ca n't rush the foreclosure any faster it 's ( almost 3 years ), but this is causing us undue hardship by not being able to qualify for another house. Is there anything I can do?
Consumer complaint received 2015-09-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (OH)

I have resubmitted to both the Credit Agency and the Creditor to remove the previously deleted materials. I signed up for a credit card from XXXX XXXX XXXX ( issuer of the XXXX Red Card ) XX/XX/XXXX. XXXX XXXX XXXX failed to provide a card and statement in order for me to submit payment. They contacted me stating that the account would be going into collections, and I informed them that I had not received a card or received a statement. They stated that they would send a statement and reage the account. I received a statement and paid the statement in XX/XX/XXXX. I was applying for a home loan when a Failure to Pay came up on my credit score issued by XXXX XXXX XXXX. I did not receive approval for this loan due to the impact from XXXX XXXX XXXX. After 8 months of working and disputing with the Credit Reporting Bureaus and XXXX XXXX XXXX the Failure to Pay was finally removed XX/XX/XXXX and submitted it " Paid Satisfactorily ''. On XX/XX/XXXX I checked my credit score and XXXX XXXX XXXX has resubmitted a 30 day overdue, decreasing my score. I never received notice that this had been Reinserted. XXXX XXXX XXXX is unfairly attacking customers, making it nearly impossible to remove incorrectly reported items and should be investigated. When I contacted them to get the account fixed today they stated that they saw where it was reaged and the Failure to Pay was removed and changed to Paid Satisfactorily. However, they stated that after this it was reaged again, without my consent or knowledge that this was added, and I would charge that this is in direct disregard for the Fair Credit Report Act Section 611. ( B ). No details were provided and no contact was attempted to be made. The customer service manager at XXXX XXXX XXXX was rude at best. When telling him that this was previously deleted from my credit score, he stated that he saw that, and that someone decided to re-report the materials. He did n't state who made this decision or a reason for it. After over 20 minutes of arguing that it should not be on my credit report, he stated that he would file a dispute. This transaction number was XXXX. I want XXXX XXXX XXXX to remove this error from my account, and stop abusing consumers.
Consumer complaint received 2015-09-22
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Duvera Billing Services, LLC (CA)

I made a payment for my installment loan via EasyPay Finance and to my surprise, it has not been processed yet. I did, however, receive a confirmation number but even then the payment has not reflected on my account after 2 days. I spoke to XXXX representatives already and only XXXX was able to help but was n't too professional either. The problem here is that if I made a payment on a certain day then it should be processed for that day. It seems to me as if EasyPay/Duvera Financial is just trying avoid payment to cause a delay purposely to see what they can get out of it. I have proof of everything I record everything I do when it comes to them for safety reasons. Anything I can do to resolve this matter?
Consumer complaint received 2015-09-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

The lender, Chase, has failed to recognize the terms of my Chapter XXXX Plan which is now a completed case with a Discharge Order. I was repeatedly told that they could n't adjust the erroneous amounts shown on the statement while the case was pending. Discharge was entered on XXXX XXXX, 2015. I wrote to Chase Bank on XXXX XXXX, 2015, after I received the XXXX statement, about the numerous errors in the statement and only received a vague letter response sent on XXXX XXXX, 2015. Chase has initiated XXXX calls to me and I have called the designated representatives frequently trying to get this cleared up. On XXXX XXXX, 2015 I was told it could take up to 3 more weeks to resolve. On XXXX XXXX, 2015 I called and spoke with another representative. I received a call the next day from yet another representative that it " may take 2 more weeks. " The mortgage is adjusted to the amount of {$850000.00} per the terms of the Ch. XXXX plan. All payments were current under the plan, all impound amounts are current. Starting in XXXX, 2015, I have made the payments of loan interest and principal and impounds directly and each month has included a voluntary extra payment to principal. The loan became amortized with the payment of XXXX, 2015. 
My statement remains incorrect, off by over {$200000.00}. Principal and interest is not properly listed and impound amounts are off by an incredible amount. I started receiving solicitations for loan modifications from Chase ( at least XXXX packets of them, including XXXX mailed to my former attorney in the bankruptcy matter ). They are internally showing my loan as 29 months late even though it is completely current. I am concerned about credit reporting on this account. They ca n't seem to do the simple accounting required to correct the statement which I first requested by letter on XXXX XXXX, 2015. On XXXX XXXX, they requested proof that my homeowner 's policy was in force the entire time, which I provided. I have documentation for everything in this report and more.
Consumer complaint received 2015-09-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CO)

To Whom It May Concern : My Mother XXXX XXXX XXXX passed away on XXXX XXXX, 2015. We purchased the house together and all though I am not on the mortgage note I am on the Deed of the house. We purchased the home in joint tenancy in the State of Colorado. We were advised when we bought the home that this was the best way to take title so that no formal Estate had to be established because in the event of XXXX of us passing away the ownership transferred to the survivor. Wells Fargo is making me chase my tail for an issue that can be settled. We are trying to short sale because when my Mom was sick she did not pay the mortgage and I can not afford with only my income. This is what they keep telling me : ( We need documentation that the person on the deed is able to sign for the deceased. The person on the deed is not on the loan. ) This makes absolutely no sense the only POA done for my Mother was medical and not real estate related. I did not think that we had to go through this because of joint tenancy title in the State of Colorado. If this was a normal sale they would accept my signature as the sole owner on title do not know why they are giving me such a hard time in the short sale process. Can you please help me get this issue settled??
Consumer complaint received 2015-09-22
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Nationwide Arbitration Services LLC (TX)

I have been getting calls from a XXXX XXXX with Nationwide Arbitration Services at XXXX and he is threatening me with legal action. Have not received any written information regarding a debt that he says I owe. When I tried to speak with him, he was very rude and dominating. I demanded information in writing and he states that he is sending paperwork to XXXX XXXX Texas court system and the docket # is XXXX. XXXX XXXX Texas has no information regarding that number.
Consumer complaint received 2024-11-13
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. (FL)

There are items, inquires and addresses that are reporting on my report doesn't belong to me. I made a report to report these fraudulent items. I am requesting that these accounts can please be removed. I never authorized any of these accounts and I would really like for the accounts to be investigated but removed.
Consumer complaint received 2015-09-22
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (WA)

The Macy 's online credit card access was unavailable for an extended period of time, so on XXXX XXXX, 2015, I stopped into a store to make a payment prior to the statement ending date of XXXX and a Macy 's store clerk misapplied the payment. To date I have made XXXX phone calls and been on hold for the most part, for a cumulative time of an hour and a half to get them to fix the account. At XXXX point in time, I was on hold for 10 minutes before I could speak to a human and then I was put on hold for another 20 minutes, finally hung up and called back. I was told XXXX times it would be fixed, only to have to call back again because it was n't. On XXXX I had to call XXXX different numbers and make XXXX phone calls to speak to someone in the XXXX. They finally fixed the misapplied payment on XXXX, however, I am still unable to use my card and am on hold on the phone as I type this out. I was on hold for 30 minutes and have been told that my card is now usable. I have n't checked my credit, but suspect that my scores are probably lower because the balance was at about 80 % due to the misapplied payment.
Consumer complaint received 2015-09-22
Product: Payday loan — 
Issue: Can't contact lender — 
Company: ZARVAD III S.A. (NV)

I received a loan for XXXX from mypaydayloan.com. I needed to change my banking info but I 've been unable to log in to see any of my information and also they do not give you access to view your loan contract or payment history. Because of this and not being able to contact them by phone the loan has now defaulted. Immediately following the default they began to send me harassing emails stating that I would never be able to get a bank account or write checks at XXXX and XXXX. I contacted the XXXX to file a complaint because they are also not licensed in the state of Nevada. The XXXX could not assist me because they could not find a valid street address. I called mypaydayloan.com and asked for their mailing address. The gentleman I spoke I said they were located in XXXX XXXX and he seemed a little unsure of the address he was giving me and had to correct himself several times. I 've never experienced this with a creditable business. I believe they are preying on people by barring you from seeing your loan contract and at this point they wo n't even let me log in to their website at all and I 'm still being harassed.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

SBA - US Treasury Account Transunion and XXXXinaccurate reporting of disaster loan from payment history, account opened and closed ; Terms and balance.

The inconsistencies and inaccurate reporting have affected my credit, and have been dismissive of previous requests for erroneous reporting. Nor did I receive a 1099c for tax purposes of cancellation of debt, which I was responsible for submitting to the IRS ; I never received one.
Consumer complaint received 2015-09-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (ME)

My father died XX/XX/XXXX. I am his sole heir. He had given a power of attorney to a friend who helped him manage his affairs. XX/XX/XXXX, that friend received a letter from Santander Bank stating that my father 's bank account had been inactive for more than three years and that the bank would have to remit the funds in the account to the Massachusetts Treasurer 's Abandoned Property Department unless the bank was contacted. The friend forwarded the letter to me. I called the bank 's customer service number and was instructed to mail to the bank 's " fulfillment department '' my father 's death certificate and an affidavit stating I was the sole heir. I mailed those items on XX/XX/XXXX and have followed up that mailing with XXXX faxes of the same material. The bank will not acknowledge the correspondence. I have called the bank 's service center each time before sending a fax. The service representatives state that they do not have a phone number for the " Fulfillment Department ''.
Consumer complaint received 2015-09-22
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Hello, I am hoping you can help me, please. XX/XX/XXXX when I was XXXX, I got my first Credit Card through Capital One. I barely had any work history so I never thought I 'd get approved, but decided to try anyway. Fast forward through a few years, I tried to make it living on my own and racked up a lot of credit card debt. This card was closed with a balance of somewhere in the mid to high XXXX. 

XX/XX/XXXX, a judgment was opened against me and they asked me to appear in court ; which I declined due to a snow storm and the long commute, but my father and I spoke with whoever was handling the case at the time and tried to offer a settlement. They were coming after me for over 2k and we tried to settle for a little over 1k paid in full, but they declined. 

Since XX/XX/XXXX, I did not have any kind of stable employment, I was a XXXX and worked on paying off my smaller debts and rebuild my credit. 

Last year, they tried to come after me again by garnishing my wages when I was working for a company called XXXX ; however, their request was declined due to my low hourly wage and part time hours. 

4 months ago, I started working for XXXX XXXX full time, and I am just barely crawling out of the hole I made for myself. After my mortgage ( house is in my boyfriends name only ), bills, car payment, paying our pet sitter, etc ... I barely have {$300.00} left for myself for two weeks for food and gas and to do anything fun for myself on the weekends, and now they are threatening to garnish my wages again by XX/XX/XXXX. If this happens, everything I worked so hard for, all the debt I paid off, the credit I built will be for nothing. 

My job is moving to a new location XX/XX/XXXX that is XXXX miles from my house, and I am trying to buy a house closer to work, but until then if my wages are garnished I definitely wo n't have enough money to get to work. 

If this debt is not 7 years old yet, it is very close to 7 years old. I will need to obtain my detailed credit report for the exact date since XXXX XXXX is limited. They are coming after me for {$4400.00}
Consumer complaint received 2015-09-22
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Duvera Billing Services, LLC (WI)

I obtained a loan to purchase a bedroom set from a local furniture company. I had the cash on me to make the purchase but the store owner told me that I could build my credit by financing the furniture. the total was a little over XXXX and I figured I could pay that off in no time while increasing my credit score. the furniture was financed through Duvera Billing. I have made my monthly payments on time which is XXXX and checked the account and was floored to find that I still owe the same amount after 5 months of payments. I called Duvera to get more information and was appalled when the representative told me that I have an interest rate of 96 %!!! Is that even legal?? I need help! Is there a way to legally get out of this contract without affecting my credit?
Consumer complaint received 2015-09-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (MD)

AES sent me a demand for recertification of my XXXX status in order to retain my SCRA benefits. I repled to AESthat they could confirm my active duty status at https : XXXX -- and that I was not required to recertify annually. AES retorted that they can not confirm XXXX status, so I called to fix the issue. The AES customer service representative ( XXXX XXXX ) erroneously informed me that I had to recertify, and that the issue was probably that there was no end date on my XXXX status -- I explained to her that as a commissioned officer I do n't have an end date on XXXX status. She finally transferred me to " XXXX '' who " handles the military phone calls, '' and he confirmed my status, and that he would raise my issue for review. 
This is n't the first time AES has demanded recertification of XXXX status, and I 'm frustrated with annual or semi-annual demands for recertification. DoD provides a web site to that end, and AES needs to use it.
Consumer complaint received 2015-09-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My XXXX XXXX XXXX credit card ending in XXXX has had issues for several months. I have contacted them numerous times and made payments in which they put my incorrect checking account number in XXXX times, and blamed me for the payment not going through. As you will see below, I made numerous contacts and paid of the phone and they have read off the number to me to make sure they finally had it correct and then still failed to correct it in their system. They never once contacted me to let me know there was an issue with the card. I have contacted them over and over, and just recently in XXXX made another payment ( over the phone since my online XXXX section was never fixed like they promised ) and no one even mention to me of the account closing?? I have done everything in my power to make payments on this card and it is not my fault for their employees not being able to do their job correctly. Please see all proof below!
Consumer complaint received 2015-09-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (SC)

XXXX XXXX XXXX for {$230.00} is incorrect. Insurance covers XXXX % since my daughter is on XXXX. It 's not my fault they never filed the insurance. Not to mention, I never received a bill for this. I 'm assuming it 's from where my daughter XXXX and her father was the responsible party at that time.
Consumer complaint received 2015-09-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (OH)

. I entered the bank Saturday morning XXXX XXXX, 2015 to cash a check from my employer. I was informed I would not be able to cash my check because the amount of funds in the account was not enough to cover the check but I could deposit it. I said this does n't make any sense I am a member here and I need to pay to have my tires fixed next door. He ( XXXX ) told me there was nothing he could do so I asked why have n't I received my debit card and he looked into my account and said it had been mailed two days prior. I asked if and when I get my card will I have trouble with accessing my funds once my employer begins to submit direct deposits, he said no. I requested to withdraw the funds I had in the account and asked if there was a bank close with the logo on my check. He told me where it was located, the teller gave me my funds and I left. My debit card arrived in the mail on XXXX/XXXX/2015, it would not activate. I called the customer service line, I went to a branch and was informed a replacement card was ordered. I did not authorize a replacement card nor did I ever ask for XXXX. I called into the branch requesting the name of the person who helped me on Saturday and XXXX answered the phone, after describing my situation he informed me he was the one who helped and said we discussed a replacement card and hung up in my face but we did not and the other teller that was standing there should be aware of that as well. I believe XXXX put in the fake request for a debit card as a retaliation of me having an attitude about not being able to cash my check and withdrawing the funds that day. I did not authorize the transaction and it put me in a bind of being able to pay my bills because electronic check is not accepted.