davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (FL)

I transferred {$500.00} to XXXX via Western Union, for a death in my family on XX/XX/XXXX. The receivers bank in XXXX declined the transfer and told the receiver they only accept XXXX. I contacted Western Union multiple times asking for help and I was given different responses. One person told me via chat on Western Unions app- they were investigating the transfer and were in contact with the receivers bank. They were trying to trace the funds and the bank did not accept the money. Once the investigation was completed they would refund the money back to me. However, that never happened and every time I contacted another department I was told the investigation was still going on and there was no timeframe of when to expect my money. I confirmed with my family and they never got the money, and their bank never received it. Finally western Union told me that the investigation was over but they could not speak to anyone from the bank. So from their end they did send the money and their work was complete regardless if no one received the money. No one has explained to me where the money is and furthermore- one of western unions associates had already confirmed the bank was in contact with western Union and that I was getting a refund. So Im really confused as to where my money is. Im very frustrated that no one will assist me further the receiver doesnt have the {$500.00}, I never got it back - so the only place this money could be is with Western Union XXXX This entire process seems like a scam and fraud.
Consumer complaint received 2022-11-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (IL)

I am off work on medical leave with no pay due to XXXX XXXX XXXX and have been off for three months with XXXX income and don't know when or if I will be able to return. I have XXXX savings and no money. Yet Synchrony Bank Care Credit and Synchrony Bank Home and XXXX XXXX credit card companies have continued to CALL AND SEND REPEATED ROBO COLLECTION CALLS TO MY PHONE DAILY EVEN AFTER I TOLD THEM THREE TIMES AND ALSO HAD A LAWYER TELL THEM THREE TIMES TO 'CEASE AND DESIST!!!!! I also NEVER gave them my authorization to contact me by phone or email at all and specifically said they could only contact me by mail prior to that yet they have done the opposite!!!!! They are breaking every FDCPA law ever written, make them Stop NOW!!!!!
Consumer complaint received 2022-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (FL)

I am approved for the XXXX. They are paying 18 months of my mortgage. Every month they send the payment to my lender and my lender does not apply it to my account in a timely manner. The grace period this month is rapidly approaching and when I call the lender they continue to maintain that they have not received it. When I speak to the XXXX, they confirmed that the payment was sent this month just like it was the last 2 months. Last month it was applied only after I filed a complaint with this agency.
Consumer complaint received 2022-09-12
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-11-22
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. (NV)

On XXXX I sent a letter regarding inaccurate things on my credit report. it has now been 30 days and my requests have not followed up with. Section 611 ( a ) plainly states 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 30 days so they should be removed promptly. I demand these accounts be deleted immediately or I will file for litigation do the stress you called me. I was also effected by the XXXX data breach and my information may have fell into the wrong hands.
Consumer complaint received 2018-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TN)

I contacted EQuifax trying to remove hard inquiries off my credit report from XX/XX/XXXX to XX/XX/XXXX and they said they could not help me with it .I contacted the companies by letter because they have no numbers and they said they could not find my information in the system and for me to contact XXXX  to remove the inquiries and they said they is no way they could they just will have to stay on my report so I didn't get help on either end ... 

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Consumer complaint received 2022-02-08
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Georgia Student Finance Authority (GA)

Upon checking my credit report, I noticed that I was considered " late '' with the markings from this student loan company. The late markings started XX/XX/2021. I was under the impression that the Student Finance Commission was a federal loan that extended all payments for the COVID Relief Act. I contacted them and they informed me to submit and forbearance form and they will remove the markings. Although, my account has been put in forbearance status, the late markings on my credit still exists. This has caused further hardship in which will prevent me from overcoming the financial hardship I'm currently in due to COVID.
Consumer complaint received 2022-09-12
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY (OK)

I deposited a check from my mother to my checking account. Her bank has released the funds, yet Wells Fargo is still holding on to it and not depositing the funds to my account so they can draw interest on it for a week. I find this highly suspicious and seems illegal to me.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX RESIDENT VERIFY
Consumer complaint received 2024-08-30
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I applied recently for an apartment as I have been at my current residence for 9 and 1/2 years. When the credit portion came back it shows that I have over 30 inquiries in my name in the last 2 years. A few accounts that were opened in my name in a different city. Immediately finding this out yesterday I went to all the bureaus and sites and I put fraud alerts as well as freezing my credit on all bureaus and making a police report on the fraudulently opened accounts in my name. 

XXXX/cbna w a balance in amount of {$1400.00}. Date of Delinquency shows on XXXX only as XX/XX/XXXX. Originally account was opened on XX/XX/XXXX. Since the issue occured both XXXX and XXXX fixed this mistake but for some reason on XXXX it still showing as owed. 

I also reached out to the creditor an since nothing has happened. This is definitely damaging my credit because I do not have much credit as I had identity theft in the past 10 years. I would love this to be removed so I can apply for an apartment thank you.
Consumer complaint received 2022-09-12
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have reported that there are fraudulent accounts in my report. It was already more than 30 days since I sent out the letters but until now I did not receive any response or results from them.
Consumer complaint received 2024-09-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (CA)

On XX/XX/year> Shellpoint- Newrez Mortgage LLC double billed my XXXX XXXX checking account in the amount of {$2400.00} for loan ending with # XXXX. This act was no mistake but a clear criminal fraud that is ongoing against myself and consumers. Upon contact the lie and mode of opperende becomes clear. They are seizing XXXX XXXX XXXX  in authorized slush while devastating the personal lives of their clients with a so call ( 10 to 45 day refund policy ) Shellpoint- Newrez Mortgage LLC is deliberately violating, defrauding, withholding, stealing client bank accounts with unauthorized, unlawful electronic withdrawals of cash without permission. The rouse is a simple ( single mortgage payment is made via electronic or phone ) the agent or batch will lie or distort notes and take multiple payments although no other payments due to conceal conspiracy. This core of this is not just the individual representative crook but sanctioned at the corporate institutional level and systemic to Shellpoint- Newrez Mortgage LLC day to day operations. 

Thus in their acts they have caused irrevocable damage to me and other consumers. They have caused other mortgage payments, payments to go unpaid or ( 30 ) days on my credit while they usurped, stole or fail to return timely advance funds to meet my obligations. Shellpoint- Newrez Mortgage LLC has carved out a dark money advance cash flow slush fund without authorization and abusing their government charter. I urge investigation and severe class action sanctions and punishment to stop this conduct.
Consumer complaint received 2018-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Hello I am writing this because XXXX XXXX company imputed a collection account on my report. The original creditor was sprint. I disputed this account when XXXX XXXX was on my report with same account. 

This account was deleted of my report they could not verify or have my signed contract. 

XXXX XXXX needs to delete this off my report
Consumer complaint received 2022-09-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (ID)

I created a PayPal account, it became restricted, called in, and was told by them to open a new account. I did so and that one became restricted as well as opening new accounts violates their terms of use. Now, months later I have gotten the original account unsuspended by providing legal documents such as my government drivers license, Social Security Card, and bank statements that proved proof of residency. I called in, had the documents reviewed and got the ban lifted as they saw the documents were authentic. However, that same day my account was under review again and again they asked for my I.D., proof of residency, AND passport. I do not have a passport so I called in again and got transferred to a ver batum " higher up '' where the associate explained that even she does not know why that information was being requested again as in my account she could see that my I.D . and such were approved and that my passport should not be asked for. The problem here was that I do not have a passport. She said that would not be a problem however, and just asked that I provided my I.D . and bank statement once more, and that my account would be put on a priority list to check as she already knew I was clear it seemed. 3 days later I get the notice that I am again permanently banned from PayPal, and when I called in yesterday ( XX/XX/2022 ), I was told that my account has been labeled for " null appeal '' because they found another PayPal account with my credentials, the same account I was TOLD to create by a PayPal associate about a year ago. So now, because an associate of their own company gave me direct action to violate their terms of use, which are not readily available on their site, I am no longer to use their service permanently it seems.
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I called Capitol One in XXXX to ask when my promotional APR expired and when I had to pay the balance to avoid receiving any interest fees. The representative told me that if I paid my balance off by XX/XX/XXXX then I would not receive any fees, so I paid the balance on XX/XX/XXXX. 

On XX/XX/XXXX I was charged {$73.00} in interest. I called their customer service line on XX/XX/XXXX to ask why I was charged interest when I had until XX/XX/XXXX to pay off my balance. I was then told that I had to pay it off by XX/XX/XXXX not XX/XX/XXXX. When asked why I was told XX/XX/XXXX previously the response was " sorry for the misinformation ''. 

I do not have any information from Capitol One on when the promo APR expired and it is not included on the account statement. I called for help and was given incorrect information. I'm not sure what else I could have done to avoid this and Capitol One refused to take responsibility or assist in any way. I feel like I was lied to so I would have to pay.
Consumer complaint received 2024-07-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PNC Bank N.A. (TX)

In XXXX there was a disaster I was a part of, federally declared. At the same time my husband was injured in a car accident and ordered not to work temporarily. His job advanced him some funds, but with a basic halt in income coupled with the added expenses we had due to the weather related disaster we were in need of assistance. Our loan is an FHA loan, and I called as instructed by PNC as the procedure for request a short term forbearance to allow us time to catch up. The representatives were deliberately confusing and misconstruing my situation. They forced me to fill out and entire hardship application for long term assistance, which is not what I requested. They entered false information about my situation into my file. They denied me a forbearance that they are supposed to provide to disaster victims. This has been an ongoing pattern for them. I managed to borrow enough to keep the mortgage from going over XXXX days that month and the next. My husband was finally cleared to go back to work, then a hurricane hit and we became part or another declared disaster, I again requested forbearance, but because they had already moved me to loss mitigation that wouldnt be possible. I spent hours arguing with different individuals on the fact that I should never have been moved to loss mitigation. My single point of contact XXXX rarely responds, one of the higher level people argued with me for XXXX mins that my county wasnt a part of the disaster, I have filed a complaint with the executive customer service, they are very sorry for my experience, but I still dont have a solution. Ive asked for these denials in writing so I can file a complaint with HUD, they dont send it. So I have XXXX short term forbearance qualifying events and still no one acting like its urgent. I will be 30 days late on The XXXX of XXXX and it will start the downgrade of my credit score thereby determining my ability to even get refinanced out of this nightmare loan with this company. Ive paid mortgage insurance for 20 years, I owe XXXX on a house with XXXX so foreclosure would certainly work in their favor and profit. 
They are not acting with my interest in mind in any way, and I believe violating rules around FHA and disaster assistance.
Consumer complaint received 2022-09-12
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. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.