davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. ()

I started to invest through XXXX XXXX ( XXXX is the operating website of XXXX XXXX, a registered trading company at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and the XXXX, Reg. No. XXXX ) since XX/XX/XXXX. I have invested for a total amount more than XXXX XXXX ( XXXX XXXX and XXXX XXXX XXXX uros ) in XXXX, XXXX XXXX, XXXX and XXXX. In the starting everything was going on smoothly. When I requested to withdraw some money problems started since XX/XX/XXXX. 

2. The team, with whom, I was in touch become suddenly silent. 

3. There is serious problem in their organization. I have been sending mails and chatting with their several officials and team members. So far my issues are not yet solved since XX/XX/XXXX and it seems they purposely not willing to. 

4. My requests of withdrawing are purposely stopped and they have simply suspended my account. 

5. I would request your services to look in the matter and help me to get back my dues. If need be, I can provide you the proofs of fund transfers.
Consumer complaint received 2021-03-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (VA)

I received a notice from Synchrony Bank XXXX XXXX, Florida XXXX XXXX XXXX XXXX. The letter to my address indicated that a person by the name of XXXX XXXX was using my address to apply for a PayPal  Credit Account. No one by that name has ever lived at my address. It has only had two owners, myself, and the person we bought it from. I suspect that someone is attempting to use my address and other details to fraudulently obtain credit accounts. I reported the incident to the United States Postal Inspector, local XXXX, and Credit monitoring agencies.
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

My XXXX XXXX XXXX credit card is showing a late balance which is incorrect. 
XXXX has sent me a letter stating they contact all 3 credit bureaus to correct this information over 1 month ago, information is still showing incorrect on my credit report preventing my score to provide me with refinancing of my property. I am holding all 3 credit bureaus responsible should my refinance be denied or should it cost me to pay more than necessary in interest rate. Attached you will find the letter from XXXX XXXX XXXX XXXX department. 
This information must be corrected immediately. Credit bureaus are liable for wrong information that can cause financial harm to a citizen. I will hold all 3 bureaus responsible should I suffer credit discrimination due to wrong information on my credit report.
Consumer complaint received 2021-03-26
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: Experian Information Solutions Inc. (FL)

contacted the original creditor for XXXX credit card and told them how the new company was harassing me and telling me they were coming to my job to arrest me. I submitted the complaint online with XXXX XXXX XXXX  and was told by XXXX XXXX : Senior specialist that the account was deleted from all reports and that she sent a request for cease and desist for the collection agency. Im still being harassed by collection agencys and i just want this off all 3 of my credit reports please. I will attach conversation between me and XXXX XXXX on XXXX XXXX XXXX  which is XX/XX/XXXXcase # XXXX. I sent the letter to all 3 credit bureaus and they just updated /verified and i feel like they arent even doing accurate research
Consumer complaint received 2021-03-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CO)

I took out this line of credit for dental work that I needed to have done. I have been paying the card, paying over the minimum balance on the card but noticed multiple FINANCE CHARGE CREDIT of over {$200.00} when a promotion was over on the card. The promotion period being over was explained to me on the phone after I called to ask why an over {$200.00} change was put on to the card. I have never had a credit card with such a complicated and confusing fee structure. My balance at the end of the XXXX cycle was {$820.00} with payment of {$35.00} required, I paid {$50.00}. After my payment, the new balance is {$990.00} even though my payment was on time and more than the minimum balance. I was upset to see the increase and asked to speak with customer service to help me with paying off this card and asked to reverse those charges. Most card companies are happy to help you pay off debt and the agent I spoke to on XX/XX/XXXX told me they would issue a credit/reverse the charge to try to keep me from canceling the card. She told me that since they charge a fee to take payments over the phone that my new balance would be around {$700.00} and the credit would be seen in about 24hour. I checked my account and 48 hours later saw no credit. I called the customer service again on XX/XX/XXXX to learn that because this charge was " correct '' that they would not be reversing the change. I asked to speak with someone else to get help with this situation and was told the same thing. I do not feel that these promotion periods are clear and that they take advantage of their customers. No credit card should be this confusing and be unable to help their customers pay off their debt. They would not help resolve this issue. Looking at my transactions every day there are new fees put on to the
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-03-26
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

In my last complaint I was unable to put that the credit bureaus all 3 are disputing items that have taken longer than 30 days to update the correct status of my credit profile. I am asking since they have violated this law FCRA as of XXXX and XXXX to remove all negative items effecting my credit.
Consumer complaint received 2021-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (CA)

Receivables Performance is reporting a debt that was fraudulently obtained and will not furnish me with a contract validating the debt. I have requested and disputed this information with the bureau multiple times and they have yet to validate to remove this debt after supplying the necessary evidential backing of it being fraudulent.
Consumer complaint received 2021-03-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

I made a transaction with square for about XXXX with a company that I have been doing business with for many years and have don't multiple transactions. Everything was going fine the money was approved it should have gone in my account on the XXXX next day according to all the other transactions. I look at my account and it shows pending says it will be sent on the XXXX so I wait. Next day nothing I go to their dashboard online and that's where it says its suspended. I talk to the customer to see if they had the money removed from their account and they said they did. I looked at seeing I should refund it but read that if I did it would be taken out of my account and not the money that being held by them. That makes no sense because if they think it's fraud then just cancel the order. I have sent messages to square and no answer. I can't contact them directly cause supposedly my account in not active but they would let me do another transaction so they could hold that too
Consumer complaint received 2021-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

contacted the original creditor for XXXX credit card and told them how the new company was harassing me and telling me they were coming to my job to arrest me. I submitted the complaint online with XXXX XXXX XXXX and was told by XXXX XXXX : Senior XXXX that the account was deleted from all reports and that she sent a request for cease and desist for the collection agency. Im still being harassed by collection agencys and i just want this off all 3 of my credit reports please. I will attach conversation between me and XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX case # XXXX. I sent the letter to all 3 credit bureaus and they just updated /verified and i feel like they arent even doing accurate research
Consumer complaint received 2021-03-25
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. (LA)

Last XXXX I've sent documentation regarding to those inaccurate and unknown accounts Ive found on my credit report but I haven't received any response it cause me stress. I demand to DELETE ASAP those accounts or I will file a litigation.
Consumer complaint received 2021-03-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (LA)

I fell behind on payments due to COVID and Wells Fargo people keep calling me several times a day trying to make extra payments. I have made a payment every month, but have not yet been able to catch up. I am 2 months behind. These people keep harassing me days after I have made a payment and making threats. Even when I try to explain my situation they get mad and hang up on me.
Consumer complaint received 2021-03-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any results from my investigation.
Consumer complaint received 2021-03-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (GA)

I have not received written notice to dispute the validity of this debt. I do not have an account with this company. Once i receive written notice about this debt i can do my due diligence and determine if i should proceed with payment.
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (IN)

I have been a victim of identity theft. Someone has tried to get unemployment benefits under my name. I found out about this yesterday, on XX/XX/21, and tried to get my free annual credit report from the XXXX website. Experian would not allow me access to my report. I filled out all of my information correctly, and tried multiple times, and I still could not get access. I tried calling multiple numbers for Experian, and could not get in touch with a human being, unless I pressed the number for business account. Even then, they were not helpful. They were located in a foreign country, and had very thick accents that were extremely difficult to understand. I do not feel comfortable giving my sensitive information on the phone, especially to random people in foreign countries. Anyway, they said I could sign up for a plan with them, and I would get access to my credit report that way. I said I don't want to sign up for a plan or membership with them, because in the Term and Conditions, they can use my information for advertising or share it with others. I just want my credit report that I should be allowed to get for free per federal law. The lady transferred me to someone else, but he didn't answer the phone for a long time. I was on the phone for over 40 minutes. Finally, a guy with a thick accent whose name is supposedly XXXX, from disputes, answers the phone only to tell me they are closed now and I can call back tomorrow. They were not closed when I called. They closed while I was on hold for a long time. I called again today with no luck. Some guy told me a supervisor will call me, and no one ever did. At least not yet. I believe they do all they can to make it extremely difficult for people to get access to their credit report so they will either give up or sign up for a plan or membership with them. I don't know how that's legal.
Consumer complaint received 2021-03-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (NV)

To whom it may concern : I have been trying to work with my mortgage to get a loan modification but after speaking with XXXX from the underwriting team she advised I did not qualify for a modification because my hardship started in XX/XX/2020 and not XX/XX/2020. Why does she get to decide when a customer happens to lose his home. Just because my hardship didn't start in XXXX does not mean I was not affected by this pandemic. I lost my part time job and I am on fixed income now. She needs a reality check that people are still loosing jobs months after because business and people are still being affected.
Consumer complaint received 2021-03-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

on XXXX I sent a letter about inaccurate and unknown things on my credit report. to this date over 35 days later. I have not received a response. I feel that my disputes is being ignored. Section 611 XXXX a ), stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted. I demand these be deleted immediately or I will file for litigation. my information also may been impacted by the Equifax XXXX XXXX and my have got into the hands of the wrong person.
Consumer complaint received 2021-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (SC)

This is a complaint about Specialized Loan Servicing ( www.sls.net ). 

My father died from XXXX in XXXX. He was listed as the borrower on a small mortgage he was paying off for the house he was living in, which I am the title owner of. 

As we want to sell my father 's house, I sent information to the current loan company XXXX XXXX XXXX XXXX on XX/XX/XXXX via fax and email XXXX my parent 's death certificates and copy of the title showing me as the owner since 2018 ). They promptly reached back out to me and told me this loan was in the process of being sold to another company XXXX XX/XX/XXXX ), Specialized Loan Servicing. I immediately called this loan company that same day XXXX XX/XX/XXXX ) but was told I was not authorized on the account to receive any information. And that I had to wait for a packet to come in the mail at the address of the loan. 

Nothing has come in the mail from this company as of today XXXX XX/XX/XXXX ). Knowing that I have rights as the owner of the home I went ahead and mailed my father 's death certificate, the title of the loan, and a letter stating that I am the successor of the loan and need the payoff amount priority mail on XX/XX/XXXX. I also faxed this information to the fax number on their website and sent the same information to two different email addresses ( their customer service agents gave me over the phone ) multiple times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). 

I have called almost daily to get an update and see if they received the information I sent to them ; and to inform them that I have not received anything in the mail from them ( or from XXXX XXXX XXXXXXXX stating that the loan was transferred ). 

They claim they have not received the information and stated that the problem may be that we don't have the new loan number added to the documentation ( we did include the original loan number from XXXX XXXX XXXXXXXX ), but they could not give me this new loan number over the phone. So now I am stuck with no way of sending them information that I am the successor of the loan unless I somehow get the " packet '' they sent. 

This is holding up the prospect of selling my father 's house and personally costing me money as there wasn't an estate to pull these funds from and we are still paying on this house. I really don't know what else I can do at this point to get the loan payoff amount. 

Customer Service : I also want to note that their customer service agents hung up on me multiple times, transferred me when they didn't want to deal with my problem, and were downright rude to me and my wife when we explained our situation and that we have sent them the information they asked for. I have worked customer service before and this was the worst I've ever seen. When I asked to speak to a manager, I was always told that was not possible. 

Thanks, XXXX XXXX XXXX
Consumer complaint received 2021-03-26
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. (OH)

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX  # XXXX, DEPT OF ED/XXXX # XXXX, XXXX XXXX XXXX # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX
Consumer complaint received 2021-03-26
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. (SC)

The credit bureaus are being bullies when I disputed the items on my credit according to the FCRA yet they keep telling me things are accurate without proof. What are my options?
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (SD)

Tried to remove freeze temporarily and the automated system asked a series of questions that do not pertain to me or anything on my credit report. I have never owned a home, no car loans, no loans at all, and no student loans in 2017. They ( Equifax ) know when they rigged the system to do this type of thing that it's not valid or correct. The crooks can access your file an add even when there is extended fraud alerts but I can't do anything with my own credit because they feel like doing these types of things to people at the credit bureaus. The system asked me for things that I couldn't answer because I never had any mortgages or car loans.
Consumer complaint received 2021-03-25
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: World Acceptance Corporation (TN)

These accounts have been transferred or sold. According to my research, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, and I am seeking legal action to have them removed. I don't owe this debt so this is clearly a violation of the FCRA section 602 ( a ) & FDCPA section 809 if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report IMMEDIATELY!
Consumer complaint received 2021-03-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (MN)

On XX/XX/XXXX I almost lost {$900.00} dollars to a scam. I realized it after I gave them the card numbers. I quickly called Vanilla Mastercard, to cancel the cards. I asked for replacement cards and they said it would be about two weeks. The cards never came. I called them again on XX/XX/XXXX. Then they told me It would be 30 days and they said they put in for the cards for me, I waited five weeks and still no replacement cards. I called them again after 30 days and they told me they had just been sent out, and that they send them out AFTER 30 days had passed. It is now XX/XX/XXXX and I still have not received my replacement cards. I am a XXXX veteran on a fixed income, I can not afford to not have these cards. I was unable to pay my XXXX rent because of this scam as it is. I am seeking assistance from a veterans resource to pay my back rent because I don't have the money. If I get these cards I can pay bills with them and start paying my back rent. I am, however, not able to get cash off of the cards, but paying bills with them will free up some money for me. The two cards were a total of {$900.00}, {$400.00} on one and {$500.00} on the second one.