davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

Payments mysteriously disappear after funds are cleared. Inaccurate accounting, misappropriation of funds. Unjustified foreclosure proceedings, the list is endless, if it has a legal definition PHH will break it. but currently I cant even find out who if anyone holds a mortgage on my property or who is my servicer. PHH is actually three companies, PHH Mortgage, XXXX XXXX and XXXX XXXX Mortgage. XXXX claimed that they transferred my loan to XXXX XXXX, but there was never any documentation filed with the county. Whenever I ATTEMPT to contact XXXX  XXXX, PHH answers. They say they can not help me because they are a separate company from XXXX XXXX. Why is PHH answering XXXX XXXX phones if they are a different company? PHH has been a complete nightmare for the entire time Ive been with them since 2003, They have done everything possible to steal my house. Please do something about PHH Mortgage and its fraudulent shell companies. I dont expect you to actually help me because no one does but if you could possibly save someone else from this XXXX show the world might be a little better place. 
XXXX XXXX
Consumer complaint received 2021-08-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CO)

I received 2 emails from my bank ( Chase ) on XX/XX/XXXX indicating that I was sent to payments from my business account ( XXXX XXXX ) via XXXX for the amounts of {$1900.00} & {$2900.00} ( see attachments ). When I checked my account it appeared that money was sent from myself, but the fraudster changed the receiving account to a different email. I assume they got access to my account and changed the email so it would look like the money was being sent to myself rather to them. After numerous phone calls and bank visits Chase has told me that since the XXXX payment was sent to " myself '' that they can't do anything about it. Although that the records shows the money going to a different name and email than mine. This has cost me over {$5000.00} and more time and energy than I would have liked to spend. I've exhausted all of my options and am looking for some help.
Consumer complaint received 2021-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My electronic funds where illegally withdrawn and stolen out of my account on two separate dates XXXX XXXX for the amount of XXXX and XX/XX/2021 from another withdrawal for XXXX. I immediately filed a claim with Bank of America on XXXX XXXX right after I became aware of the illegal activity. Bank of America canceled my debit card and issued me a new one. I received a letter on XX/XX/2021. Stating that " no posting error has occurred on your account '' I then filed 2 more appeals last appeal on XX/XX/2021 and no answer. Both where denied with the same reason. I keep asking them over the phone to mail me a written explanation on why the appeal was denied and they still have not mailed an explanation. Bank of America representative just says they will mail one out and they never do. I have yet to receive my XXXX dollars taken out of my account since XXXX of 2021.
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I did not authorize this company to pull my credit. I have asked XXXX XXXX and XXXX to remove this credit pull but they are unresponsive. XXXX  also refuses to provide me a copy of their detailed investigation which is illegal. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2021-08-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (TN)

I bought a visa prepaid visa gift card for {$100.00} plus a {$5.00} activation fee at Kroger in XXXX, TN on XX/XX/21. The cashier gave me the receipt and activation receipt. Later that day when I went to use the card I found out it declined. I called the provided number on the back of the card at XXXX to find out the card had never been actually loaded by the card. They advised I go back to Kroger. I immediately went back to Kroger and Kroger advised that the card was loaded properly since it did have an activation receipt. I called again the XXXX number on the visa card and they said that I could submit a fax of the activation receipt, Kroger receipt, front and back of the gift card and fax it to XXXX, which I did immediately at XXXX XXXX. They said that this occasionally happens and that as long as I had proof of activation, it would be resolved through their end ( the prepaid gift card company ). I called the XXXX number on the back of the card multiple times over the next few days and every time was told that it was being investigated by their team. Eventually, I was told they lost the fax I sent and that I need to send it again and start a new process, wait 3-5 more business days etc. I have spent HOURS/DAYS of my life now trying to get this resolved and can not keep going through this cycle of false information they keep feeding me.
Consumer complaint received 2023-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (TX)

This complaint is to ensure that Chase Bank ensures proper handling of an unauthorizedcharge in the amount of {$1000.00}. I reported the unauthorized charge on Tuesday XX/XX/XXXX to Chase Bank but have not receiveda credit to my bank account in accordance withthe Fair Credit Billing Act. I never swiped my card with the merchant nor signed any invoices or received any receiptsto confirm any charging to mybank account. We were supposed to completea business transaction but unfortunatelythe company failed to complete delivery and they did not respond to me. I am no longer interested in doing business with thiscompany and the charge posted to my account is a legally unauthorized charge.
Consumer complaint received 2021-09-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (OH)

On Wednesday XX/XX/XXXX I received a phone call stating that I had owed XXXX on one Account and {$970.00} on another medical bill account. I inform the agent that I was currently enrolled in a payment plan which was automatically drafted from my account. The agent initially had stated that there was a lapse of payment and my account somehow had gone into arrears. I was not only shocked and surprised but I was insistent upon that Ive always been on top of my credit and this was definitely mistaken. The agent said not to worry they would handle it by offering me a 12 month payment program in which I couldnt roll over the phone so I hesitantly decided to reenrole and Payment was drawn out from the exact same checking account. After I got off the phone and processed everything that has transpired, i immediately called back and asked to speak to a supervisorXXXX  XXXX ( the on duty ) assured me Not to worry and gave me an email address for me to send correspondence to which would explain that in fact I was already enrolled in a payment plan -which in fact was current and in affect from XX/XX/XXXX until XXXX. My payments were NEVER IN ARREARS nor was any payment attempted in XXXX and found insufficient .I never received any written email, letter or call stating payment wasnt applied rather Wake Associates called me and INNACCURATELY REPORTED my file to XXXX  and put accounts in collections. This is not ok and when I called backYesterday I was told by XXXX XXXX that they were doing a manual deletion and not to worry. I have saved all of my written correspondence with my outline emails and have proof of my phone calls. I am 100 % certain that this was an error and I would like for this to immediately be resolved and removed from my credit report.
Consumer complaint received 2021-09-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

COMPLAINT ON COMENITY - VICTORIA SECRET XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX ( XXXX ) XXXX Texas XXXX XXXX XXXX info XXXX Comenity Bank XXXX Tax Payers Id # XXXX Comenity Bank XXXX Secretary of State # XXXX Received call from Comenity Bank XXXX Victoria Secrets at XXXX XXXX ) XXXX, saying that they didn't get my XX/XX/2021 Payment. I let them know that I did make my payment on XX/XX/2021 through My bank paid with check # XXXX for {$75.00} which what was due. I had the representative verify the payment address, the address that he gave me was XXXX XXXX XXXX, XXXX Tx XXXX. The address that my bank sent the check was XXXX XXXX XXXX, XXXX XXXX Tx XXXX. At some point the address that I had was valid. Not sure when this company, Comenity Bank XXXX Victoria Secrets changed their payment address. The customer service rep calls are being forwarding to other countries from the USA. I made my payment in Good Faith. This company changed their payment address and didn't notify me. They are trying to charge me a late fee on top of my payment. I want the late fee waived and not charge on the front end which is what they will do. My payment should only be {$75.00} without the late fee.
Consumer complaint received 2021-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AG AH LLC (VA)

On XX/XX/2021, I paid Arc Home LLC {$160000.00} after I liquidated my investment property and before my first mortgage payment ( due XX/XX/2021 ). At the same time, I requested a recast to be done and paid the recast fee so that my monthly payment can go down. I was told it will take up to 60 days for their accounting department to make that adjustment. After calling them several times for almost 2 months to ask about the status, I was finally told that they sent me a document, which I never received, and I was supposed to sign it as well as sent it back to them. Since it passed their deadline, they needed to reopen the request and get the process started again. And I need to wait for another 60 days for them to complete the process. In other words, I need to wait for another 60 days to see if this is actually going through or not. Given the experience I have with them, I have very low confidence with that. 

For instance, their online application is problematic ; I ended up having to make one of my monthly payment by phone, which for no reason became 2 identical payment transactions on a roll. I had to call them again to ask for return of the money on the 2nd one. They did but didn't explain they gon na sent me a check, which I never received. When it's time for me to make another monthly payment, I still don't have it. I called again to see if they can stop the check and apply that amount to the upcoming payment. As of now, they said the check is stopped but i haven't seen the dollar amount being applied to the payment again. Guess I'll also need some luck over this.
Consumer complaint received 2021-09-25
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: Experian Information Solutions Inc. (CA)

I have attempted to remove a closed account from my Experian credit profile as the statue of limitations has exceeded the 7 year mark on XX/XX/21. In addition I attempted to dispute another card account however Experian has not provided info and the dispute time has exceeded 30 days,
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

The credit bureaus keep disrespecting the laws. I showed them multiple times of they are violating the Fair Credit Reporting Act. Please delete or remove any late payments from both XXXX XXXX XXXX account credit cards from my credit report According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus dont have any written permission. According to 15 USC 1681 I have the right to privacy. According to USC 15 USC 1681s-2 A person shall not furnish any information relating to a consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. I can go on and on, the credit bureaus have no respect for the laws and this is unfair. Someone needs to hold them accountable for this. I have sent multiple certified letters to credit bureaus with no response. XXXX XXXXXXXX XXXX  card continues to violate the law by posting incorrect information on my credit report. I have already spoke with XXXX XXXX XXXX on multiple occasions and they continue to tell me that this will get resolved and it has not been.
Consumer complaint received 2021-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

Experian keeps reporting late payment on my credit report for the month of XX/XX/2021. THis is inaccurate. I've reached out to them XX/XX/2021 disputing this but no response or action to remove this has been taken.
Consumer complaint received 2023-07-22
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. (NJ)

To Whom it May Concern : 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed IMMEDIATELY! 

Account Name : XXXX XXXX  Account Number : XXXX Account Balance : {$0.00} The following Hard Inquiries reporting are unauthorized. Please remove from my credit report : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Thank You
Consumer complaint received 2021-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Good Afternoon, I tried to reach the credit Bureaus by letter and they have not answer me, there is incorrect information on my credit report and they do not update the incorrect information and did not provided any kind of information back to me. I'm starting to feel very frustrated at this point. I hope you can help me and find a resolution.
Consumer complaint received 2021-09-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc ()

Hi CFPB, My full name matching my passport XXXX XXXX XXXX Im from XXXX and I want to complain about a very concerning problem related to the payment service PayPal offered at paypal.com it stole all my moneys XXXX. 

im XXXX, i play in the XXXX XXXX and i give my XXXX XXXX XXXX to friends in the XXXX XXXX, i XXXX  items in the XXXX XXXX XXXX and i XXXX  it to my XXXX  in the XXXX, the XXXX XXXX me by Paypal bank, because Paypal monopolize the market in the internet and she is dominant 70 % of buyers online work with it, she is good with buyers but sellers like me not, she punish them harshly, this is 4 years I work with paypal and I know it, she dont protect digital product, the probleme why paypal Ban my first account is : I give my service to 100 customers, and one of this customers is scammer he do dispute he says to paypal I dont receive my physical product and paypal give him back the money and Ban me, its bad to paypal ban me, 1 bad man Ban my account!!!! we can't receive payment by bank transfer ( you need to waiting 10 days to receive your money ) or other service, we have just Paypal in the internet to receive the money quickly, i live with this service with my family, I don't know why paypal block my accounts, she told me : after 180 days you can withdraw your money, im waiting 180 days, but i fund Paypal took all my money : XXXX, its not good to took money people, she take the money by force and you can't do anything, pls help me to get my money back, im poor and i have just this money for living, i invest it to buy items in the game and sell it, im a good man ; im not a hacker or scamer, i want just to live with peace, Paypal told me after XXXX you get your money, this is what I want, to give me my money from my accounts Paypal, it passed 180 days and I dont have any dispute or problem with customers, so give me my money XXXX. Its my investement and my profite, -PayPal transferred my whole balance and took my hard earned money, Under the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation. 

- XXXX, I support my family and gather to get married and buy a house. 

- This all my accounts Paypal : XXXX / XXXX/ XXXX / XXXX/ and this is the account of my sister of mother, I used it with her consent : XXXX, total is XXXX - They steal my money in the month 7.

-I believe PayPal acted in bad faith as a payment company, they have failed to offer the promised service. I believe that I was deceived and scammed by PayPal and I want to complain about this corrupt acts done by the payment company PayPal. I have tried to resolve this issue friendly with them many times but they always reply with canned and useless responses done by bots. PayPal failed to provide the advertised payment service. 
Looking forward for your reply. 
Thank you
Consumer complaint received 2020-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge 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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched XX/XX/2018 statement. THRE ARE NO BEGINNING FRAUD INVESTIGATION USAA CREDITS. XX/XX/2018 {$8.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * TOTAL ( {$470.00} ) were REPORTED UNAUTHORIZED. ** THIS DOES NOT INCLUDE {$210.00} XXXX RETURN or the ** XXXX XXXX {$120.00} RETURNS. Previous bal zero. Credits {$340.00} posted merchant credits. XXXX NEW BALANCE ) ** ( AFTER XXXX XXXX CREDIT POSTED ) is the {$470.00} REPORTED FRAUD. XXXX XXXX keeps lying to slander my name to the CRAs RETAILATION for my ID THEFT REPORT. XXXX XXXX USAA needs to CEASE AND DESIST WITH THIS SLANDEROUS LIES.
Consumer complaint received 2023-07-30
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. (SC)

In accordance with the Fair Credit Reporting act. The list of accounts or inquiries below has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681 XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX , XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX, XXXX Inquiry date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX - XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (NY)

to whom it may concern, there is a hard inquiry on my eqiufax that i did not make and never gave anyone authorization. XXXX XX/XX/2022. I would like this erroneous inquiry off my credit report.
Consumer complaint received 2023-07-22
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. (IL)

Hello, On XX/XX/XXXX XXXX XXXX XXXX XXXX made a hard inquiry to my credit report without my consents, and without my permission. Someone from LA, California used my SSN information applied for a XXXX XXXX credit card. I asked them to put fraud alert, and remove this hard inquiry record because it is hurting my credit score but the bank is not taking an action to fix the issue. And this case with XXXX XXXX happened in XX/XX/XXXX as well. Same issue, I did not apply for a credit card but still received a hard inquiry to my credit. The bank till to this day has not removed that record. Please help me remove those unauthorized hard inquiries from my credit report.