davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (AR)

During the last half of 2023 I had to have both of my XXXX XXXX and lost my job. I started the process of applying for assistance/hardship from Mr. Cooper. This has been the most frustrating thing I have ever dealt with in my life. They told me I had to be 2 months delinquent in order to apply for the assistance. I was trying to be proactive but they were telling me I had to be delinquent. For the next several months Mr. Cooper asked for various information, I would provide what was requested and then they would change what information they needed or they " lost '' the information I sent in. I have these incidents documented. After almost a year I was finally able to get into the hardship program to help by adding a month of my mortgage on to the end of the pay off amount. I have now made two adjusted payments as instructed but they keep reporting me as delinquent so my credit score has been absolutely destroyed by this. It is all but impossible to speak to an actual person on the phone, they are the worst company I have ever dealt with and I wish so badly I was in a position to have another company purchase my mortgage. I am so upset right now having just gotten off the phone with them that I am missing some things but that is the gist of it.
Consumer complaint received 2024-10-04
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Absolute Recovery Services, LLC (TN)

THIS COMPANY WILL NOT REMOVE THIS FROM MY CREDIT FILE AND THEY HAVE BEEN PAID. THE AGREEMENT WAS FOR THEM TO REMOVE THIS FROM MY CREDIT REPORT ONCE IT WAS PAID AND FULL. THEY HAVE YET TO DO SO. I AM CUFRRENTLY HOMELESS TRYING TO GET AN APARTMENT AND THIS COMPANY STOPPING ME.
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. (VA)

I've found that my credit report has erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). Listing these items as information without verifying them within the legally mandated time frame is unacceptable. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (TX)

There is an Inquiry from a company called XXXX and I have not applied for anything with this company. I believe my information was stolen and utilized for the purpose of credit usage. I don't even know what the company XXXX represents. I have no knowledge of them whatsoever.
Consumer complaint received 2024-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

My Chase account has been restricted due to a deposit that was made. I made a deposit for around {$8300.00}. I forgot the exact amount. The check was from the Treasury of the United States and to XXXX XXXX XXXX. My friend asked if I can deposit the check into my account because she has no bank account as of right now. She is currently an XXXX  XXXX. She has trusted me to deposit the check. Chase first put a 10 day hold on the check, the check cleared, then Chase put my account on restriction after the check cleared. I called asking what the concern was considering, the check is in fact real, XXXX allowed me to endorse it and deposit the check, what is the issue now? So I called and they told me they need XXXX 's number to verify her in their system. I give them her number and it comes back unverifiable. They tell me that the number has to be tied to a postpaid phone, ( a contracted cell phone ) which to me is insane because even I don't have that. People do not have the money to put {$400.00} on a down deposit for a {$1000.00} phone plus pay {$100.00} per month for the phone and phone plan, if I can't do it, what makes you think a undocumented individual can. I called twice in regards to this verification. 

Then I called your XXXX XXXX  to see if there was any other way to deal with this because this was too much and at this point, the funds were there, XXXX is getting upset and I personally don't want her to think that I am stealing her money!! 

This is XXXX XXXX!! Their verification system is XXXX and made to ensure that people dont get the money!! They want you to giveup!! Im reading COUNTLESS STORIES ON HOW CHASE IS HOLDING AND TAKING PEOPLES MONEY
Consumer complaint received 2024-08-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (AL)

I submitted a complaint about this exact problem with this exact company in XXXX XXXX XXXX XXXX threatened to have me served and take me to court. Would not provide documentation of the veracity of the debt or complaint.
Consumer complaint received 2024-08-01
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (TX)

Home Depot allowed someone to open an account in my name without verifying identity. As soon as I became aware of this, I informed Home Depot that I was the victim of identify theft and they had fraudulently opened a credit Card in my name and run a credit report without my consent. I have now received a bill in the mail for {$2100.00}. When I called Home Depo to again dispute this fraudulent card, they informed that, if I did not make payments on the card before XX/XX/XXXX, they would report the nonpayment to the credit bureau. They have been put on notice that this account was improperly opened without verifying the identify of the criminal who opened the account. They have been put on notice that I did not open this account or make these charges. They continue to threaten me and tell me that my credit score will be significantly affected unless I pay the fraudulent charges and there is nothing they can do to prevent the fraudulent reporting.
Consumer complaint received 2024-08-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MD)

I have disputed this LVNV Funding LLC on my credit report in XXXX XXXX XXXX for the amount of {$900.00}. I have no knowledge of this account and have asked repeatedly for a debt validation letter from the collection agency and the original creditor they have listed.
Consumer complaint received 2024-08-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (PA)

On the evening of XX/XX/XXXX at approximately XXXX, I checked my XXXX Chase United credit card balance prior to making a payment. My account page showed the balance as {$5400.00}. I wrote it down at the time and still have a written record. I then made a payment of {$3700.00} sometime between XXXX and XXXX which would have brought my balance down to {$1700.00}. Imagine my astonishment when I checked my balance at approximately XXXX on XX/XX/XXXX and saw that my balance was {$2200.00}, a discrepancy of {$480.00}... incredibly in Chase 's favor! I know what I saw on the evening of the XXXX. Not only am I literate, but I have a college degree and I was fully awake and sober at the time. I WROTE IT DOWN. 


I have been in touch with customer service at Chase 3 times since then and none of them could tell me the exact time I made the payment and what my balance was at that time. They have given me no recourse and my balance is what they say it is at any given time. The customer is entirely at their mercy. They can literally make up any number they like. 

I strongly suspect that XXXX or Chase is padding customer balances because of what happened to me and there is no digital or paper trail that customers can access to prove otherwise. This might be the tip of an iceberg.
Consumer complaint received 2024-08-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (CO)

I filled out and sent the school misconduct discharge weeks ago and have yet to receive a response. They are trying to stall while they transfer my loans to a new company and Im not paying a XXXX  I need my loans discharged today
Consumer complaint received 2024-08-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (TX)

I am writing to file a formal complaint against PayPal regarding the unjust permanent limitation placed on my account, which prevents me from withdrawing my funds. I believe this action was taken without proper justification, and it has caused significant inconvenience and financial distress. 

On XX/XX/year>, PayPal permanently limited my account, stating that I had violated their terms of service. However, I have not engaged in any activities that would warrant such an action. I have contacted XXXX customer service multiple times to resolve this issue, but I have not received a satisfactory explanation or resolution. 

The funds in my PayPal account amount to {$1900.00}, which I urgently need to access. Despite my attempts to comply with any necessary verification processes, PayPal has refused to lift the limitation or allow me to withdraw my money.
Consumer complaint received 2024-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

I received a letter in the mail that my mortgage company needed proof of homeowners insurance, I looked on the mortgage company website and it showed I was covered until XX/XX/XXXX. I then shortly after got a letter saying they got the coverage proof and to disregard the previous letter. Over a month goes by and I get an email from the homeowners insurance company saying I am no longer covered due to non payment. When I called Penny Mac on XX/XX/XXXX they said they show they sent out 2 check but XXXX ( homeowners insurance company ) said that Penny Mac put a stop pay on both checks. I did a conference call between Penny Mac and XXXX and was told they never received payment so Im not covered and they wouldnt reinstate the insurance due to me being without coverage since Penny Mac didnt pay. The mortgage company opened an investigation and doesnt contact me about the status. I called again on XX/XX/XXXX for an update and was told its still being worked on but I should start shipping around for coverage anyway. I called today XX/XX/XXXX and still not update and they are saying I have coverage which is not what XXXX is saying.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: American Cycle Finance, Inc. (TX)

I am greatly troubled by the presence of a negative rating on my account and its potential effect on my credit standing. This derogatory mark has already led to the rejection of a recent loan application and higher interest rates on my current credit accounts. I can not overstate the financial hardship and emotional strain this unfavorable rating has inflicted and will continue to cause until it is addressed.
Consumer complaint received 2024-10-01
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Amsher Collection Services, Inc. (CA)

Per law, XXXX XXXX XXXX ( c ), if a consumer notifies a debt collector that the consumers refuses to pay a debt the debt collector must cease all communications, this includes debt being reported to credit agencies. I have sent this company a cease and desist and the company has refused adhere to the federal guidelines by ignoring my request in my attempts to resolve this matter. The company has also been found to impose as a collection agency when it is listed that this company is not legally blinded and or insured to collect in the state of XXXX Credit bureaus have all been notified as well and has refused to cease collection reporting for said accounts advised. Please have the company crease all collection activities as this is my final attempt to complain outside of court.
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Fifth Third advertises that they will deposit your check early. They have done so ever since I opened my accountXXXX XXXX XXXX XXXX  Two weeks ago, they did not process our deposits, returned items without paying them, and charged overdraft fees. They did not send a notice that they have discontinued the program. I did reach out and asked if the program changed. I also asked if they would reimburse any fees and the avoided that question. 

I asked yesterday again since this is another payroll week. I was told " Early availability of funds are dependent on submission of direct deposit by payers payment instructions and standard fraud prevention restrictions apply. It is not guaranteed. When your employer sends us the funds, we will bypass the release date and time that they set and release it when deposits are batched at XXXX XXXX XXXX XXXX XXXX 
Your employer does still need to send us the funds before we can put them into your account '' I asked again today and she said that the funds are being held until my pay date and they received the deposit. I asked again if the policy had changed and if a notification has been sent out. " The timeline for processing direct deposit payments can vary depending on the employer 's payroll processing schedule and the policies of the bank involved. '' Nothing has changed with my employer and I have my payroll split between two banks. The other bank did make my deposit available today.
Consumer complaint received 2024-09-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

As part of closing a real estate sale, the consumer highly relies on us to handle the process of clear the title. In doing so, we need to get written payoff statement to payoff the mortgage XXXX on the property. This ensures the buyer gets a clear title, as the seller is contractually bound to do. Citizens Bank is THE ONLY bank who WILL NOT provide the title company with a written payoff statement. This causes a delay every time, every time! that we are trying to close a consumers home. We send written authorization wherein the consumer is authorizing and requesting to provide the title company with a payoff statement, and they refuse to do so. This is causing harm to the consumers ( buyers and sellers ) with
Consumer complaint received 2024-08-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NJ)

I went on a XXXX XXXX website to purchase Item from their clearance listing. I did the purchases through Paypal for protection and when I look for confirmation of the purchase from my email, the purchases look legit and to double check XXXX hours later on the transaction list on my Paypal account, I saw there were transactions done with a different entity. I immediately file a request for verification of vendor and Paypal doesn't allow you to add comments of letting them know of the reasons I needed to have them do. They made me wait two before they sent a response that everything checked out and if I did not receive the merchandise I would have to make another claim. I haven't received any merchandise and they block my account. so I have no way of making any request of claims to this issue. They exist to help people from these types of fraud and it seems like they haven't protect me and help the criminals conduct the fraud. I want my money back because they authorized the transaction because the vendors have to be verified before the transaction can be conducted. I was making a transaction with XXXX XXXX XXXX XXXX  and if the name of the company does not match it is Paypal responsibility to make sure the names match. The vendor had a XXXX name and if I can notice that looking at Paypal transactional records, I'm not understand how PayPal didn't spot the obvious.
Consumer complaint received 2024-08-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: WELLS FARGO & COMPANY (TX)

When Wells Fargo assumed the mortgage for my home in XXXX, the interest rate was 2.67 %. Wells Fargo raised the rate to 3 %. I gags spoken to them in the phone numerous times and they claim ignorance of just didnt care. I have the proper paperwork to prove what Im saying
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I deposited a check however my aunt gave me it to deposit because I earned my degree. It has her name on it but she allowed me to deposit into my bank account because shes an older lady and doesnt have a bank account. She wanted me to keep XXXX $ for myself and give her {$1400.00}. The total of the check was {$2400.00}. I deposited in my Chase account and it ended going well no issues until XXXX days it was suppose to clear. My account got restricted and I comely use any of my funds or transfer. The deposit cleared the XXXX of XXXX and was in my account. Yesterday I checked my statements and said there was a DDa chargeback. I called chase and they need to verify my aunt however shes old and she had a prepaid phone. Its ridiculous, the lady on the phone stated they have this money cleared for me and to be issued out as a cashiers check but thats the only way to verify my aunt which is ridiculous.
Consumer complaint received 2024-09-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Transform Credit Inc. (NY)

I am writing to formally file a complaint regarding a case of identity theft involving your company, Transform Credit. Since XXXX, I have been a victim of recurring identity theft, with incidents reemerging periodically as my stolen personal information gets passed on to other criminals. Most recently, on Saturday, XX/XX/XXXX, I received a welcome email from Transform Credit, proposing a credit contract, followed by a second email indicating that an account had been fully set up in my name. 

I immediately responded, informing your company that I had not applied for any accounts and that this application was fraudulent, a result of my stolen information being used without my consent. Despite my clear communication, I received responses from your representatives stating, I can see that you have signed up for a XXXX XXXX account, failing to acknowledge the fraudulent nature of the application. 

While you claimed that the account was canceled, I received another email on XX/XX/XXXX, stating that {$3000.00} has been reserved for me. This demonstrates that Transform Credit has failed to properly flag the application as fraudulent, and continues to treat this application as legitimate.
Consumer complaint received 2024-08-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION (NY)

On XX/XX/XXXX XXXX. I received a email saying thankyou for purchasing XXXX for XXXX from XXXX so got worried. I clicked on it and called XXXX but thought it was someone from XXXX instead it was a scammer. He convince me that it was other charges and that he there to help me cleared my account. We were on phone til the transaction was done and he clicked the phone. He convinced me to go down cvs at XXXX XXXX XXXX XXXX ny that where the ATM that can purchase the XXXX. It's XXXXXXXX XXXX XXXX ATM. Put my debit card in and type the code he gave me and typed in XXXX in automatic taken out. I thought that was XXXX of charges he supposed to help me cleared but it wasn't. He scam me out XXXX to purchased XXXX and so by time I got home, he was still on phone with me til I got home then phone clicked. Did try call back no answer so that's when I realized I got scam. So I checked my bank account my XXXX was still pending so I called my bank to get them stop or freezed my account. They told me they can't it's already went thru but yet the pending wasn't cleared til XXXX days later.so banker ask me if I want dispute this matter I said yes but they didn't bother wait for more information so they dispute XXXX day and said there weren't any errors and denied my dispute. While they were doing that they transferred the XXXX into my account til the disbute get done. I never have any information or papers from bank. Since they dispute XXXX day found no errors and said it was my fault cause I went down and use my debit to purchase the XXXX. Which it was fraudulent charges. I don't know anything about XXXX and if I do I wouldn't buy that much. But the bank didn't take care the fraudulent for me instead blaming me. Which I do not know where my money went. Never received the XXXX. I have the receipt. So since they found no errors on my dispute they reversed the XXXX back to the bank. Never done anything on the fraudulent charges. I tried contact the liberty x bitcoin can't seem get anyone. I heard that these people scam alot people to purchased XXXX and cleaned their account out which it happened to me. The bank is M & T. I spoke the supervisor they said it wasn't fraudulent and nothing they can do to help. No XXXX received. I even try to email the libertyx/ XXXX no response. Their email is XXXX their numbers XXXX. The sequence # XXXX card numbers XXXX account. Amount request XXXX. XXXX XXXX XXXX order number XXXX. Payment ID XXXX. XX/XX/XXXX at XXXX. Terminal XXXX I went back and forth with my bank. No resolves. The bank supposed to help their customers to resolve the fraudulent charges. I just don't know what else to do and how I can get my money back. Going police station next to put claim there. I hope there's something you can do to catch this scammers. It's a crime to scam people out.