davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MI)

On Friday, XX/XX/2019 I notified Chase of two fraudulent charges of {$400.00} ( {$800.00} total ). I was attempting to purchase concert tickets and was scammed, no tickets were received. I notified Chase within an hour of the fraudulent charges taking place and they started the process of fraud investigation. I was given temporary credits for the charges until they could investigate the charges. 

On XX/XX/2019 I was notified by mail that the credits were being reversed and that the bank had concluded it's investigation - they believe that the charges were not fraudulent. During their investigation they did not reach out to me at any time for any information regarding the transactions or ask for any proof from me. I had text and email correspondence showing that I did not receive the goods ( concert tickets ) and that this was clearly a scam. I asked for more information ( what evidence caused them to make this decision ) and they said that they would send it by postal mail. 

On XX/XX/2019 I received the evidence in the mail and the reasoning for declining the dispute was " compelling evidence '' that I had received the goods/services as part of the transaction. Chase stated that there was documentation to prove that the cardholder was in possession of the merchandise. For which I have evidence to prove the opposite ( which was not even considered during the investigation ). The summary stated that I needed to reach out to the recipient directly if I wanted to get my funds returned. 

Chase clearly states in their terms that they will protect against fraudulent charges. Upon trying to contact them further they simply state that they can't do anything further and that the investigation is closed. I don't know what to do and am very upset with this result. I feel that if they acted swiftly to stop or reverse the transaction immediately when notified then this could have been avoided completely.

Information on the claim : Claim Number : XXXX Card Ending in : XXXX Account Ending in : XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX XXXX  XXXX According to my records, a late payment was reported for my account number : XXXX. Date late paymenyts XX/XX/year>XXXX  This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. 

Therefore, I request that you immediately remove the reference to the XXXX XXXX late payment from my credit report. I further request that you notify the credit bureaus ( XXXX and TransUnion ) of the removal of this incorrect information. 

Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. 

I appreciate your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2018-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (FL)

Navient told me if I made a payment before XX/XX/XXXX I would not be reported as delinquent. I entered into a repayment plan suggested by XXXX on XX/XX/XXXX which called for a six month interest reduction and a reduced payment. The pay was made in XX/XX/XXXX, and Navient reported me as delinquent anyway, indicating that because I made a reduced payment and enterened into the agreement they suggested, it was not enough to prevent the delinquency from being reported. In essence I was lied to and now my credit score has taken a hit that I was told would not happen.
Consumer complaint received 2019-04-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Essential Lending Inc (TX)

I borrowed {$900.00} from Wise loans on XX/XX/2019. I was told there was no prepayment penalties, I went to pay it off on XX/XX/2019 and was told pay off would be {$1200.00}. The company claims this is a CSO fee and not interest, I know I signed the loan agreement online but this seems excessive and I thought there were protections for being over charged. I did call and chat with the company and was told that was the payoff regardless. Thank you for your help with this!
Consumer complaint received 2019-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (WA)

I have another active complaint regarding my payment issues involving my Wells Fargo Credit card - complaint file # XXXX - and I would like to submit an additional complaint regarding issues with the process. 

The initial problem started appearing several months ago, when I was making payments via the Wells Fargo website, and using the option to make a payment 'from an external account. ' Every payment I made, regardless of size, started being held for several days, for reasons that were not ever justified. Due to the issues involving holds being placed on payments made in this way, I opted to try making the payment directly from my checking account ( at another institution ), via the online bill pay system. 

The payment is set up to be processed electronically, which I have verified with my checking institution means that the payment will clear my checking account when it has been electronically sent to Wells Fargo. I was hoping this would prevent Wells Fargo from holding my payments in the way they have been for several months. However, today, the electronic payment cleared my checking account - and is not showing anywhere, not even in 'pending ' transactions, on my credit card. I have called my checking institution to verify that the payment was sent, and they have confirmed that it is complete. 

Unfortunately, what this means is that I still don't have a way to make payments to my Wells Fargo credit card, and have them reflected to the card 's balance in a reasonable timeframe. Wells Fargo now has a cleared payment - something that has already left my checking account elsewhere - and it appears that payment is being held in suspense somewhere and not being applied to my card. 

I was, again, not able to find any resolution by contacting Wells Fargo customer service.
Consumer complaint received 2019-04-19
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Admin Recovery, LLC (MA)

The collection agency Admin Recovery has contacted me regarding a debt. I spoke with XXXX XXXX, and made a monthly payment arrangement to pay the debt in full. He refused to administer the payments on the date I informed him was necessary. The date of the draft is specific because my husband is a XXXX XXXX  veteran who is receiving Veteran 's Affairs XXXX Compensation, this limits our budget severely. The payments would not go through until the first of the month and they continued to draft them on the last day of the month resulting in a missed payment. They were unwilling to negotiate a better solution. XXXX XXXX then threatened legal action to scare us into payment. There were multiple occasions that after the payment would fair on the last day of the month he would call my place of employment multiple times and notify them of my debt. Then recently on XX/XX/XXXX2019 he contacted my mother directly on a phone line that is unlisted to notify her of my debt and obligation to pay. He has been harassing and unprofessional.
Consumer complaint received 2024-08-27
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)

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Consumer complaint received 2020-04-28
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. (CA)

On XX/XX/XXXX this account was paid in full and lien released to XXXX XXXX and reported/updated to all three credit bureaus on XXXX XXXX, stating this account was paid in full and closed. The car I purchased had an acceleration defect in which the dealer I purchased the car from, after several attempts was unable to fix the issue ; I made a compliant to XXXX, who decided to repurchase the car under the California Lemon Law. Under this law it states that if a car is bought back by the dealer or it's manufacturer, all money paid toward the car ( down payment, car notes, repairs, car rentals etc. ) is to be refunded minus the mileage usage. I received a letter dated XX/XX/XXXX as proof of the account being paid in full and closed and lien released by XXXX XXXX, as well as the breakdown of all monies received to pay off the car and what i would receive as a refund. After a couple months XXXX XXXX reopened the account and reported that I owed XXXX, followed by another XXXX a couple of months after that totaling XXXX showing that I owe on all three credit reports. These are the two car payments that were due to be refund to me from the repurchase of the car. I do not owe this money and have disputed this inaccurate information with the credit bureaus numerous times and the company keeps reporting back that they have certified that the information is accurate and for the account to remain on my report as is. So I decided to dispute this account directly to XXXX  on XX/XX/XXXX and uploaded all the proof to verified this account was indeed paid in full/closed per the letter from XXXX XXXX. I received results today, XX/XX/XXXX stating the account status remains the same as me owing, and that the company sent certification again that this information was accurate. I asked XXXX  numerous times to send me the certified information to me so I can review it and the representative named XXXX at XXXX, stated that I would have to subpoena that information if i wanted it. XXXX has not been cooperative and they still insist on not changing the status of this account although I sent them the proof they requested. XXXX  is basically taking the word of XXXX XXXX because they are being paid by that company to report this inaccuracy on my credit report. I am tired of the back and forth with both the company and XXXX  as well as the other two credit bureaus. I need help from another agency now.
Consumer complaint received 2019-04-19
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: EQUIFAX, INC. (GA)

I have two accounts on my credit report that should not be on there, I am been working on these two accounts for months and Equifax has not investigated them or send me any information on these two accounts that they are reporting. Neither of these accounts even include the name of the third party creditors.
Consumer complaint received 2019-04-19
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (SC)

I have a consolidated loan from 2010 that is in repayment and I didnt want repayment stopped when I enrolled in XXXX. I completed a form as such. I recently found out they applied that to another loan that was in deferment while I was attending school which there is a recording that I stated only on the 2010 loan consolidation. I have tried for several months to get this corrected with them and there have been a flurry of phone calls to them and Everytime I call there has to be another form completed with another department but it is causing creditors to drop my credit and my credit report has taken a serious hit. When I called today, I challenge you to listen to their recording as they said there is no one that I can call to complain and they say I just have to wait  another 30 days. This has been going on since XXXX and it's unacceptable that an agency can cause this much disruption to an individual 's life. Several reps stated it was the agency 's fault and, Ordered the paperwork and stated it was a simple electronic process to the credit bureau. In today 's age, this should not be allowed to fall through the cracks and they should do what they said in XXXX.
Consumer complaint received 2024-08-27
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)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-04-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TX)

I have been trying to get an issue with my escrow account resolved for almost 3 weeks with DiTech. I have had THREE different escrow analyses performed all in a span of 14 months : XX/XX/XXXX : paid {$49.00} shortage XX/XX/XXXX : paid {$4100.00} shortage XX/XX/XXXX : asking for another {$5900.00} by XX/XX/XXXX I know that my tax liability did not increase by 46 % between XX/XX/XXXX and XX/XX/XXXX.

I do not know why they are not taking the {$4100.00} payment that I made on the escrow analysis performed on XX/XX/XXXX into account for the analysis performed on XX/XX/XXXX.

If you account for the amount I just paid on the analysis dated XX/XX/XXXX ( {$4100.00} - check cleared my bank on XX/XX/XXXX ) and add the new proposed amount by DiTech on the analysis performed on XX/XX/XXXX ( {$5900.00} ) there is a total of {$10000.00} of a " escrow shortage ''.

There is no way that I should have to pay out {$10000.00} to an escrow account in a 3 month span, so I figured I would call DiTech to get some information.

I called DiTech on XX/XX/XXXX at XXXX CST and had to wait on hold for 50 minutes only to be told by the agent that he isn't sure what is going on but is sending my account to a " researcher '' where I am to call back myself in 10 business days ( XX/XX/XXXX ) to get an answer.

I called DiTech a second time on XX/XX/XXXX at XXXX CST as requested only to sit on hold for another 51 minutes. The agent " XXXX '' finally informed me that she has no information in regards to this matter and that it is still being " researched ''. She took down my email and told me that she will reach out to me by the end of the week with an update, but I have yet to hear from anybody.

I can not get any information from my mortgage company in regards to my mortgage and why my escrow account is calculating incorrectly. DiTech has recently filed for bankruptcy and their customer service is severely lacking in the ability to provide basic information on a mortgage that has been in their care for well over a year.
Consumer complaint received 2019-04-19
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: SYNCHRONY FINANCIAL (FL)

I receive section XXXX subsidy payments from Dept. Housing & Urban Development ( HUD ) As a result of the recent government shutdown, which affected HUD, my payments were delayed causing me to miss a payment with Synchrony Bank issued Walmart card. 
Every body in this country knows a lot of people were late on bills and rent, some didn't have food as a result of the shutdown ; as it was widespread on the news.
Consumer complaint received 2019-04-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (ME)

I keep getting phone calls from a XXXX XXXX XXXX XXXX XXXX, when I answer I get a recorded message they are not taking messages now, this is constant every day or so. I tried to look up this company 's contact information, all they give is the phone number they never answer. XXXX XXXX XXXX. I XXXX   this company and the complaints are endless.
Consumer complaint received 2019-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

I went into a branch location to make a cash payment. The teller told me I can only make a cash payment at the ATM with my PIN number. This morning I communicated with a Citibank representative via online chat to get my PIN. I was given a 1800 number to avoid a delay of 7-10 business days for the PIN to be mailed. I called the number and the representative transferred me to another person, however we were soon disconnected. I then called back the same number and I was told I had to receive my PIN by mail. I then requested a supervisor. The supervisor told me the same thing ; however, she could not explain why I was told by two representatives that there is another way. 

It is ridiculous that I am having trouble trying to make an early payment in cash. This is poor customer service and a waste of my time.
Consumer complaint received 2020-04-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

Two fraudulent checks were deposited in my account I never use mobile deposit the only checks go into my account are my pay checks which are the same amount every two weeks and my child support which is a direct deposit. my old phone was stolen and I didnt have a lock code and all my information was stored from my driver license picture and also my log ins that were stored in my notes now Wells Fargo is telling me that they are closing my account when I have did my own investigation in how this has happened my XXXX XXXX was also linked to my account this is indeed stressful please help
Consumer complaint received 2018-09-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (GA)

Struggling to pay mortgage with a chapterXXXX which took most Of the abailable income. They added in a forgiven loan and virtually made it impossible to re-finance, as we were told by the company No matter what we made it wasnt enough! We lost it ( XX/XX/2018 )
Consumer complaint received 2021-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (TN)

I am traveling in XXXX with my XXXX daughter. Chime suddenly closed my bank account with no explanation. I have tried to resolve this for over a week with no success. It is absolutely impossible to talk to anybody there. From what I understand they are doing this often and in some cases keeping the peoples money. What is going on with this bank?
Consumer complaint received 2019-04-19
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. (WV)

I have an open collection account for {$38.00} on my Equifax file that was removed from XXXX and XXXX  a long time ago. The account shows as " Consumer disputes this account information ''. I have disputed this account twice with much difficulty. When attempting to submit a dispute with Equifax, I am asked a set of four questions regarding my credit file - many of the questions are based on accounts I never had, bank cards I've never had, and an auto loan that I've never had and never applied for. Only once ( out of several attempts ) was I asked questions that were based on correct information. One time, I even called Equifax to submit the dispute. It was extremely difficult to do so and I never received proper documentation after submitting the dispute. 

Recently ( approximately two weeks ago ) a duplicate of the same collection was added to my credit file and showed that I had not disputed the account. This morning I checked again and the duplicate was removed but the initial disputed account remained.
Consumer complaint received 2019-09-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (UT)

CBE Group is attempting to collect on a debt I do not owe. This debt has been paid and should not be on my credit. Also, I never received any notification regarding this debt. No phone calls or letters. I did not know about this debt until I pulled my credit file. This is a violation of my 30 day right to dispute and needs to be removed off of my credit.
Consumer complaint received 2024-08-27
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. (OH)

I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 

{$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX