davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (TX)

I noticed there were interest charges on my credit card account despite the fact that I have until XXXX and XXXX to pay off two credit card transfers which I paid 3 % to transfer. They claim I paid it off early. I called each month and asked how much do I have to pay to not be paying interest and they gave me a figure, I paid that figure and yet kept getting charged interest. Even their own employees didn't know how it worked. I still have until XXXX and XXXX to pay this account off without interest but since they keep charging me interest so I paid it off. They stole my 3 % and charged me interest every month.
Consumer complaint received 2018-06-28
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have notice that the report for my credit has bwwn off trwxk. Sknce XX/XX/XXXX up until present time i have nevee done anytjinf on my ceedit report
Consumer complaint received 2018-06-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (WV)

On XX/XX/XXXX I did a wire transfer to my brother for {$25.00}. Within 30 minutes I had to cancel the transaction. I attempted to get a refund and the employee at the XXXX XXXX XXXX # XXXX  in XXXX, WV didn't know how to do the refund and kept getting an error. I got frustrated and left and went back 3 other times attempting to get the refund from Western Union. I made many phone calls and was still unable to resolve the issue and get the refund. I then requested a refund by check on XX/XX/XXXX. On XX/XX/XXXX I was issued a letter from Western Union because the address I gave was not the same as I gave on the original transaction because my address changed. I called on XX/XX/XXXX and spoke with XXXX and was told I had to send a notarized letter indicating my address had changed and had to include a photo ID and a check would be issued and I should receive it in another two weeks. The case number I was given was XXXX. I sent the information back to Western Union on XX/XX/XXXX. I called again todayXX/XX/XXXX and demanded to know when my refund would be issued. I spoke with XXXX who gave me a run around. I asked for a supervisor and was transferred to XXXX who also gave me a runaround so I told her to transfer me to her supervisor and after being left on hold for 45 minutes I hung up. I think it's ridiculous that they quickly take your money but you spend nearly a year trying to get your money back and still have not been able to get your money back.
Consumer complaint received 2018-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

Very difficult to cancel and remove my information from the site. they make you call to cancel. You can sign up online but you can't cancel online. Good example of predatory marketing
Consumer complaint received 2018-06-28
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (WA)

A collection just showed up on my credit report. I have never taken out a pay day loan. Date opened is unknown. The collection company is Midwest Recovery Systems. I have disputed on my credit report through XXXX. I do not have anything negative on my credit report until this.
Consumer complaint received 2017-08-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (VT)

Received a call at XXXX from Synchrony Bank . They asked if they were speaking with me. I asked who was calling and they said it was a matter of personal business. I asked if this was an attempt to collect a debt and they said yes and asked to speak with me. I asked what they were calling in regards to. They told me the account and how much and stated I needed to settle the account on the phone. I asked them to communicate this with me in writing and they hung up.
Consumer complaint received 2022-12-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

I filed a complaint in XX/XX/XXXX and it was marked complete. The company did not provide information from XXXX of the notification. Mr Cooper failed to pay my insurance in XXXX. Paid the wrong insurance company despite the notification of change in XXXX and failed to notify me of the rejection of renewal ( there wasn't one ) and return of the payment and it caused a lapse in coverage. They don't want to take responsibility for the mistake at all. I'm paying the price now. 

Mr Cooper was given the new insurance in XX/XX/XXXX. Where are the letters from XXXX? They haven't provided any to date and I have requested them. Mr Cooper never informed me that they didn't pay my insurance in XXXX of XXXX. In fact they paid the wrong company and never informed me after the payment was sent back in XXXX. Yes XXXX letters were sent out AFTER I contacted Mr Cooper for again sending the payment to a company that i had in XXXX. I contacted Mr Cooper for non-renewal. Mr Cooper caused the lapse in coverage and the insurance premium increase. I am requesting to see the XXXX notices of coverage rejection and renewal notices from XXXX not XXXX. This could have and should have been avoided had they informed me that the insurance wasn't acceptable and wasn't paid or had they given me proper notification after i sent the new insurance company to them. The old insurance notified them in XXXX XXXXXXXXand they notified Mr Cooper via a letter yet the disbursement went out anyway. Mr Cooper claimed they never got the letter so i had the company resend it. Mr Cooper got the returned payment and didn't ask any questions, they hust applied it to escrow or cut a check to me. I made extra payments and because there was no explanation on insurance i thought it was the overpayment they were returning. Mr Cooper isn't taking responsibility there either. 

Another letter was sent to Mr Cooper ( XXXX ) notifying them that they were no longer the insurance company. Mr Cooper did nothing in XXXX and they have the option to do nothing about the lapse. It's their mistake too. XXXX is gone why am I paying for their mistakes? XXXX is alot for ne to pay for someone else 's mistake and failure. The same company i have now isvthe sane company they were given in XXXX and failed to process it or notify me of any problems. Can I please see letters from XXXX of the non-renewal and returned funds from XXXX and notification to me in XXXX of no coverage. The call log would be nice too because I called them several times in XXXX and they never said anything about the new company being a problem and they still sent a payment to the old company after I notified them of the new company.
Consumer complaint received 2018-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

For years I have battled to get the correct information printed on my credit report in regards to two accounts that have been closed with the department of child support by the mothers and I continue to have full custody of the children. Not only is the balance information in accurate and completely out of date but so is the history. I have reached out countless times but only seem to get a request for supplemental identification documents from Equifax and nothing is done I am legally XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and often fall short of what they require for documentation yet here it is. I am also clinically proven with severe XXXX and have been fully medicated since I was XXXX so all of this becomes a huge challenge when I am faught by the credit bureaus
Consumer complaint received 2018-07-18
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. (IN)

I have notified XXXX, Trans Union, and XXXX via certified mail on numerous occasions requesting documentation to prove that the negative information being reported is accurate. The credit bureaus only sent me a report stating that the accounts were verified. They refuse to provide me with the METHOD of Verification of their investigation. I have demanded to see verifiable proof ( original signed contract with my signature on it ) of all negative accounts being reported on my credit file. They have failed to respond satisfactory within the 30 days of receipt of my certified letter. They must now remove the account due to the company unable to provide me a copy of verifiable proof. They are now liable for willful non-compliance with the FCRA.
Consumer complaint received 2018-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

The company XXXX CONTINUES to report on my credit bureau stating I owe a debt that I am not aware of. I have sent them numerous letters stating that I need to has this verified in order to determine that these alleged debts are owe by me. They sent me an account summary which shows nothing about me opening these accounts. I asked them to send me the consumer contract with my signature on it so I can see if that is my signature. They have failed to do so and from my understanding under the FCRA a 3rd party collection agency should have that information and they have failed to provide me with the info and continue to place this alleged debt on my profile which is hindering me from utilizing my credit. They stated that these accounts were made online, without my signature how could someone just open an account with my authorization online and they hold me accountable and they cant verify that it is mine.
Consumer complaint received 2017-07-31
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. (NY)

To whom it may concern : My credit score has been dropping over the few months ; when researching the cause, it seems that there is an " outstanding balance '' on on my XXXX XXXX credit cards. However, I had already paid this credit card off in full and therefore, did not believe that I had any balance left to pay. When my credit score dropped by another XXXX points this past round and the outstanding balance was cited again, I saw that there was an outstanding charge of {$1.00}. When reviewing my statements, it looks like even after I 've paid my last amount in full, there was a retroactive interest charge / fee that was applied without my knowledge, resulting in the {$1.00} balance that was applied in XX/XX/XXXX and carried over into XX/XX/XXXX. When I called XXXX 's Credit Card services, they removed the {$1.00} balance as a " courtesy '' ; however, they cited this charge as an interest charge. Despite the generous removal of this {$1.00} balance, my credit score has taken quite a hit. Therefore, I was wondering if there is any way that I can rectify this situation and / or if there are other factors that are contributing to my low score. Please let me know if there is anything that I can do / if you need additional information from me. Warmest regards, XXXX
Consumer complaint received 2018-07-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd (PA)

This is a follow up on a complaint I lodged against Nationwide Recovery Systems for violating the federal law and violating me. Review complaint I previously lodged and the complaint number is XXXX XXXX. How on earth can you have closed this case with everything still pending, they told you they were going to furnish me with a validation of debt which they never did. By law they have to furnish this information to me in 5 days of my request. My request for this information to Nationwide Recovery Systems was over a month and a half ago. They lied to you they lied to the credit bureaus when they re aged my debt. And not a single thing was done by them to remedy the situation. Why is it they are allowed to break Federal Law and not suffer severe fines and audits. This whole complaint process with you was worthless because not a single thing came out of it. How are you protecting me when you simply close the case the moment I took your advice and provided feedback. The feedback I gave you told you they did not comply with their promises, but yet you closed my case. I demand you re open this case and I demand The Federal Trade Commission severely fines them and audits them. I am at the point that I want to file a class action lawsuit against Nationwide Recovery Systems, because if they illegally re aged my debt than who only knows how many others they did this to. First of all they replied to you they were assigned the case in XX/XX/2018. They were not assigned the case they bought this made up debt from another debt collector for approximately XXXX dollars. And they told you they have to contact the creditor with the validation of debt so they can send it to me. That is another lie, when you buy old debt the debt validation comes with the purchase. The initial debt collector would have already furnished them the debt validation from the initial creditor the moment they purchased the bad debt. So by closing this case you are telling me yourself and the Federal Trade Commission it is ok for them to break Federal Law without serious repercussions. RE_OPEN THIS CASE
Consumer complaint received 2018-07-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Old Republic National Title Holding Co. (NC)

Please respond in writing and advise me of ; 1 ) Any Interest XXXX XXXX XXXX XXXX XXXX XXXX, its subsidiaries, reinsurer and or affiliate have, hold and or own, including Beneficial Interest in properties commonly known as XXXX XXXX XXXX XXXX XXXX, NC XXXX and or XXXX XXXX XXXX XXXX XXXX, NC XXXX. 2 ) Please provide me with the legal description of any first mortgage loan ( s ) fee simple real estate that you or your subsidiary, reinsurer and or affiliate have accepted without recourse as it relates to the insurer ; ( 11 NCAC 11C .0119 ). 3 ) Please respond to my previous letter dated XX/XX/XXXX as this now serves as my third request. 4 ) Please provide me with the policy numbers as reflected on the HUD dated XX/XX/XXXX for the GAP in coverage spanning XX/XX/XXXX - XX/XX/XXXX. 5 ) Please provide written explanation of why XXXX XXXX XXXX XXXX XXXX XXXX insured stacked and recorded four Deeds of Trust specifically dated XX/XX/XXXX and XX/XX/XXXX that were not in compliance with XXXX XXXX  ( servicer ) closing attorneys specific written instructions. 

Thank your in advance for taking the time to understand my complaint and your substantive response to these specific five issues each being numbered above. 

Regards - XXXX XXXX XXXX
Consumer complaint received 2017-06-12
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. (OK)

In XX/XX/XXXX, I received my first statement from University XXXX XXXX XXXX XXXX XXXX ( XXXX ) stating my Title XXXX Federal Student Loan was going to be reported delinquent. As a result, I asked Federal Loan Servicer XXXX XXXX to consolidate the Title XXXX Federal Student Loan with my other student loans.  On XX/XX/XXXX, my XXXX Title XXXX Federal Student Loan was consolidated to my other XXXX XXXX Federal Student Loans, which are frozen in Federal Unemployment Deferment, as noted in the attachment from XXXX XXXX. However, XXXX reported me as delinquent in XX/XX/XXXX. My XXXX Title XXXX Federal Student Loan is not delinquent in XX/XX/XXXX, since it was consolidated in XX/XX/XXXX.
Consumer complaint received 2018-07-18
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 (GA)

After an investigated review Paypal had decided to close my account permanently and hold {$6200.00} from me for 180 days. I have complied with everything asked and have confirmed shipment as asked. I have several emails stating that my investigation was completed and satisfied and that my funds would be released. I was also told by several representatives that everything looked good then, I received a horrid email contradicting all other emails and phone calls and was told that my funds would be held. 

PAYPAL CASE ID XXXX
Consumer complaint received 2018-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CA)

XXXX XXXX XXXX XXXX continues to report the status of my account incorrectly after months of my asking them to correct. In fact, they have now started reporting the status more incorrectly. Please see the attached letter on XX/XX/XXXX and XX/XX/XXXX to XXXX. 

Thank You!! 

XXXX XXXX XXXX /Users/XXXX/Documents/XXXX : XXXX Pay Off.doc
Consumer complaint received 2017-06-13
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. (TX)

XXXX   XXXX  issued by  XXXX   XXXX  Bank 30 day late payment has been noted on my credit report.     My law firm has  FIVE t imes contested this negative mark on my credit report.       XXXX   XXXX   XXXX   refuses to remove it from my credit report.      XXXX  xxxx xxxx xxxx  XXXX   Date Open   XXXX    XXXX   The statute of limitations has passed.     Please remove this 30 day late notice from my credit report.     Thanks in advance.      XXXX   XXXX
Consumer complaint received 2019-06-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (OK)

My friend asked me on XXXX if I could loan her {$50.00}! She sent me here email that was attached through XXXX ( But partnered with Wells Fargo ) and I carried out the transaction. Nearly 5 minutes later I find out her XXXX was hacked and has been asking people to send her money under the email so I immediately contacted wells fargo and they couldn't do anything about it because it already went through ( but it was in less than 30 minutes and they said it takes at least 30 minutes for transactions to work on their site ). I asked if I could report the account on the other end receiving the money because they are posing as another person who isn't who they say they are and the Wells Fargo representative said no ... which didn't make sense because I have the email of the person with the XXXX account so it would be in the best interest for a report to go to WF on this Wells Fargo account that is attached to XXXX. I sent a contact form to XXXX and have not heard back. I am out {$50.00} from a person posing as my friend.
Consumer complaint received 2017-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Experian has a medical bill showing as in collections. I first disputed the collection account and further sent documentation showing the debt was paid in full. They still determined that the debt is valid. I believe they did n't even take the time to properly review my dispute.
Consumer complaint received 2018-07-18
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. (IL)

I have disputed the account being reported by XXXX multiple times. Every time, XXXX responds that the information is accurate, but IT IS NOT. It seems that the credit reporting agencies ( XXXX, Experian & XXXX ) simply take XXXX 's word for things rather than conducting a proper " investigation. '' The credit bureaus are responsible for verifying the ACCURACY of the information THEY report. They can not simply rely on XXXX 's word, or the word of ANY creditor, with no proof. 

As explained previously, this account was included in my bankruptcy in 2008 in the XXXX District of IL Bankruptcy Court Case No. XXXX. Despite XXXX XXXX choosing to classify this debt as a student loan, IT DOES NOT MEET THE DISCHARGABILITY EXEMPTION CRITERIA contained in 11 USC 523 ( a ) ( 8 ) or even the definition of a " qualified educational loan '' under 26 USC 221 ( d ) ( 1 ) as it was issued ABOVE THE COST OF ATTENDANCE as established by my educational institution. 

Whether or not XXXX agrees with the Judge 's decision or even likes the judge 's decision is 100 % irrelevant. The fact of the matter is THIS DEBT WAS DISCHARGED IN 2008 -- 10 YEARS AGO. As such, IT IS A VIOLATION OF THE FCRA to continue reporting it on my credit report ( s ). Irregardless of XXXX 's position, I have court documents affirming my discharge and this debt needs to be COMPLETELY REMOVED from my credit report ( s ) immediately as the discharge was 10 years ago and therefore no longer qualifies to report on my credit IN ANY FASHION.
Consumer complaint received 2018-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (NY)

I was notified by KeyBank that my debit card had been compromised so they would be sending me a new one via mail. My old card would be de-activated by XX/XX/XXXX. I never received a new card in the mail, and my old card was de activated, leaving me unable to use it. I called KeyBank and they apologized and told me they'd send me one right away. I can get it in 5-7 business days for free, or 3 - 4 business days for a {$25.00} fee if they rush it. I chose for them to rush it because I am without a form of payment. It is absurd to charge your own customers a {$25.00} fee for a mistake you or the USPS made. KeyBank = Fee Bank. The amount of fees this company charges is ludicrous and insulting to its customers.