davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (WA)

I am a XXXX and in XXXXI applied for XXXX  tax exemption with my county tax assessor. It took 12 months for the exemption to process so my mortgage payment went up roughly {$700.00} a month. I continued to make my payments on time each month in XXXX to XXXX. Around XXXX of XXXX, the tax exemption went through, and my tax payment was cut by half. I turned in the proper paperwork to the mortgage company and sent request to have my escrow re-analyzed to reflect the correct tax payment. Being in Washington state, the mortgage company noted my escrow would be analyzed in XXXX each year. XX/XX/XXXX, I saw that the mortgage company processed the tax paperwork but still had not adjusted the monthly escrow amount due each month. I again requested to have my escrow analyzed and the mortgage company responded by asking me to refinance. XXXX, XXXX, XXXX, XXXX I asked to have the escrow analyzed and still nothing. I now have a XXXX XXXX in escrow that is overpayment, and they are still keeping my money and not analyzing escrow despite my request.
Consumer complaint received 2022-11-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

My account was charged {$59.00} on XX/XX/23 from an unfamiliar merchant, XXXX XXXX According to the transaction listing in my PayPal account, the charge would occur monthly for 1 year. 

I de-activated the subscription and filed a claim with Paypal. The agent who responded to the initial unauthorized transaction form gave me a list of 11 gift cards created in my name to deduct funds from my account. I checked the box no for of the gift card listings that were provided. Also, the gift cards were scheduled to deduct funds from my account in the next few weeks. I wasn't aware of an option that would allow account holders to create gift cards to deduct from their account. My Paypal account center activity does not reflect gift cards authorized to debit funds from my account. 

Less than two hours later, I received a verdict in writing stating my claim was closed. Paypal deemed the transaction authorized because I had similar transactional activity on my account. PayPal 's findings are untrue. My claim did not include supporting evidence that an investigation occurred. There are no other transactions on my account from XXXX XXXX, nor were there transactions for {$59.00}. I don't understand the similar transaction activity statement. Is the relevant? Wouldn't a more appropriate response state, this merchant has charged your account before? Did you close your account prior to the charge? If the activity was similar, there were no follow ups to determine the status of the customer relationship. Most importantly, I do not have a relationship with a merchant called XXXX XXXX According to my research, they are affiliated with a mental health app called, XXXX XXXX. I do not have an account with XXXX XXXX. According to the website, the email for support is XXXX. However, the web address on my transaction history is XXXX. I have not received a response from either website. Your support with this issue would be greatly appreciated. 
Thank you, XXXX XXXX
Consumer complaint received 2022-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/2022 I bought ten tickets from asap tickets. It was two different reservations. The amount charged to my account doesnt appear on the bank account information. It was XXXX for one reservation and it doesnt show up on my account info and other was XXXX. I dont know why the these payments dont show up in my bank account information. The company name asap tickets charged me XXXX and XXXX and it doesnt show up in my bank account information. I want to complain against asap tickets.
Consumer complaint received 2022-11-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (TX)

XX/XX/2022 my Savings account got fraud bad check deposited and took {$200.00} out.. so Citibank blocked my savings which is good but holding my remaining check from my employment direct deposit of {$1100.00} that they on hold processing to be mailed to me..But I been told they have to wait 60 days which is bull crap.. Cause it's holding up my bills and rent cause there time ranges. I have called almost every week trying to get this expedited and get people that can't understand XXXX and not very helpful. Deposit risk department told me, a different area has the check but won't release it and close out my account. All I want is my employment check mailed or XXXX to me ASAP. They already blocked me from reading messages from them or even looking at acct.. I want it closed today and check mailed to me. 

Please assist and have them process today. Thank you.
Consumer complaint received 2022-11-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AZ)

I sold my XXXX XXXX XXXX to XXXX and XXXX ( last names withheld ) on XX/XX/2022 for {$42000.00}. XXXX wire transferred the funds from his Wells Fargo account to my XXXX XXXX XXXX XXXX account on XX/XX/2022. Myself, XXXX and XXXX were at the Wells Fargo branch to consumate the transaction. The motor-home had clear title which I signed and gave to XXXX and XXXX. I do not know whose name the tile is in now ; XXXX or XXXX or both. I assume that Wells Fargo requested XXXX to place the {$42000.00} on hold ; XXXX stated the reason as " wire fraud. '' These funds remained in my XXXX account for nearly 7 months and now this action took place. I have attempted to resolve this with XXXX and Wells Fargo ; they are reluctant to release any information concerning this issue. This action has created a hardship ; as now are personal accounts have a {$0.00} balance, Making it difficult to pay our creditors. I need an answer and a solution.. XXXX
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (LA)

Amazon set me up for a subscription without my permission and has been making it difficult to cancel. I have called several times to cancel the account and be refunded only to have it reopened and be charged again. This has negatively impacted my credit score as my family is in the market to purchase a home, its very frustrating. In addition I have had several of my credit card accounts closed and I suspect ( since they are administered by Synchrony bank ) it is due to the Amazon store card situation. It has been and continues to be a great hindrance.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

XXXX has failed to remove the account ( XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXXDate opened XX/XX/2022 Amount : {$260.00} from my credit report. They have failed to prove I am the owner of this debt and have failed to provide their investigation process on how they came to this conclusion. I don't believe this matter is being legally investigated.
Consumer complaint received 2022-11-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc. (NC)

moneylion has not corrected any issues and continues to have posting issues and denies me account access based off their issue. 

they claim I am regularly behind on paying the loan although they send email confirming the pay and then denying it hours later. the payment has always posted through my bank account
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-29
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. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-11-29
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)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXXXXXX XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance - ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$1500.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$630.00} XXXX XXXX XXXX XXXX XXXX Balance {$690.00} ; XXXX XXXX XXXX Balance {$3600.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

fraudulent accounts still appear on my report after submitting ftc report. XXXX XXXX for all three and XXXX XXXXXXXX XXXX on XXXX
Consumer complaint received 2022-11-29
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: AMERICAN EXPRESS COMPANY (VA)

I Contacted XXXX to have 2 credit cards which do not belong to me removed from my report. Both cards were opened 5+ years before I was even born. They removed 1 ( XXXX ) card, that was already closed, but declined to remove the ( AMEX ) card, that is still active. 

I also contacted American Express customer service and they were unable to connect me to someone that could help.
Consumer complaint received 2022-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (CT)

I would like to make a formal complaint against TD Bank. I received multiple calls regarding escrow difference on my patient of XX/XX/22 of {$34.00}. I sent the payment which was {$1700.00}. Instead of applying that amount to the mortgage they held it in an escrow account. I agreed to go into the bank to make a payment of {$34.00} however when I arrived the bank then stated I was to pay {$1800.00}. 

I made another call to the bank where I was told that all fees would be waived and that this would not affect my credit report if I made the XXXX payment of {$1800.00}. At that time they were supposed to take the extra money to apply it to the XX/XX/22 payment and be current with all payments. 

As of today I received a notice that my credit report shows late payment from TD Bank XXXX and all late fees are still present.
Consumer complaint received 2022-11-29
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. (NC)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Prosper Marketplace, Inc. (TN)

I opened a prosper account, was approved and sent a card. When I signed up I was told the annual fee would be waived for the first year with automatic payment and I linked my bank account info as well when I appplied. The first time I tried to use my card for XXXX my card was declined and restricted. I contacted customer service and was advised my account was restricted and they would send to internal team to review on XX/XX/XXXX, I call again XX/XX/XXXX and am told again still being reviewed. Here it is 11 days later and my account is still restricted and not able to be used and still being reviewed. On top of that I was charged a XXXX annual fee, even though I haven't ever been able to use the card. I explain this and am told the automatic payment was not set up right and they could set up and see if they could request a refund for annual fee. I ask for a XXXX, I'm told XXXX busy and asked to wait. I wait XXXX minutes and get a supervisor not a XXXX, I spoke with a Supervisor named XXXX who tells me same as previous and I ask for a XXXX and she says the managers just went off shift, XXXX that. I ask to hold for a XXXX and she stops speaking expecting me to hang up and I don't. Then I ask for corporate address and she tells me to hold, I'm on hold for XXXX minutes then she hangs up on me. This is poor service. How can you bill me when I was suppose to have no annual fee for the first year then on top of it haven't ever been able to use the card!!
Consumer complaint received 2022-11-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc. (FL)

XX/XX/2017 i was billed {$60.00} by XXXX XXXX XXXX XXXX XXXX My deductible was met and i should never have been billed. I called insurance and problem was XXXX XXXX needed to fix something on billing. ( It was 5 years ago so i can not remember specifics ) i called XXXX XXXX several times to explain and make sure it was handled. ( XXXX XXXX XXXX ). I was told it would be handled. Since it was XXXX years ago i can not remember if i ever received a letter from collection agency. If i did i would have reached out to them appropriately and explain same. I called this agency bc of another issue ( which i will file complaint next on that issue ). This was brought up. I explained situation. Rather than resolve, they sent me a copy of bill " per my request ''. Not only did i not request, but this has been on my credit report without my knowledge and is not a valid charge to me. The collector was not interested in the facts. The XXXX is expired and this needs to be fixed and removed from my report.
Consumer complaint received 2022-11-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

All files were sent to my mortgage company Mr Cooper. Did a modification because of XXXX XXXX. Had a 3 month trial on XXXX XXXX and XXXX and paid {$790.00} all XXXX on time. My very first mortgage payment was due on XX/XX/XXXX. It didn't happen because there was something wrong with the Contract.

I ended up signing 5 different Contracts before the modification was corrected. I have all 5 contracts hard copy in my possession. I called 2 and 3 times a week to get this done. They took way over a year to get it right. I have way over 60 digital recordings speaking to one agent to another, they did not fallow through! 
They finally gave me a second 3 month trial. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. For {$1300.00} per month. I am still paying this amount now. They sold my mortgage to my now mortgage company XXXX. Just had a XXXX XXXX going through recovery. Very disappointing! 
There is lots more to this story.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Affirm Holdings, Inc (TX)

Affirm refuses to report various loans that I paid off and left in good standing, This information is crucial for my credit building and I need this information reported. 

Accounts left in good standing total {$1900.00} {$750.00} {$1000.00} {$220.00} {$300.00}
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (NC)

I reached out to GM Financial on or around XXXX XXXX XXXX regarding a previous lease account that was showing as derogatory on all three ( 3 ) of my Credit Reports. The lease in question was returned XX/XX/, as having been satisfied and paid as agreed. However, my ( 3 ) three credit reports are now reflecting circumstances that are not accurate at all. The report reflects some of but not limited to the following, XXXX - ( Charge off ), XXXX- ( Charge off as bad debt ) and XXXX - ( Account now redeemed/was a repossession ). 

The representative I spoke was unable to find the account ; would subsequently request a supervisor to facilitate the matter further. The supervisor concurred with everything that I stated, however said that GM Financial could not facilitate any removal of items from my credit report, but a letter would be generated and mailed to me so that you may contact the credit reporting agencies myself. I have yet to receive said letter. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Please see the attached files where you will find all underlined or highlighted discrepancies.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.