davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-03
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: Paypal Holdings, Inc (GA)

I used PayPal to make a purchase for a XXXX on XX/XX/XXXX. The total of {$110.00} was taken from my account. I never received the item. I reached out to PayPal to make a claim on XX/XX/XXXX. I let them know I never received any tracking information and did not receive the XXXX. On XX/XX/XXXX Paypal had a XXXX tracking number on the order. I went to XXXX to look up the tracking number, it said it was delivered on XX/XX/XXXX under the carport. I have no carport at my residence so I filed a claim with XXXX. I messaged PayPal that this wasn't delivered and I was asking for a refund. I have tried to speak with an actual person at PayPal to no avail. They denied my claim because they were given a " tracking '' number. Every time I message PayPal on this matter they automatically close the claim. As of today I still have not received the XXXX and had no actual help from PayPal.
Consumer complaint received 2021-12-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (FL)

Rocket Mortgage failed to complete their proper due diligence in contacting my county 's property appraiser office when preparing my escrow analysis for XXXX. As a result of their ineptitude, they attempted to declare that I had a shortage in the amount of {$330.00}, and that I should expect my payment to rise {$75.00}. They determined my county taxes for XXXX would be $ XXXX. Their assumption and lack of due diligence has caused XXXX and nearly caused borrower harm. If I were not more educated on mortgage servicing, and escrow in particular due to my career, I would absolutely have been stunned and not sure how to address this issue. Being a step ahead of this game, I had to submit a complaint and demand, literally demand, a new escrow analysis be completed. Submitting data from the property appraiser 's website, the chat agent warned me " this could lead to a shortage, are you sure? '' -- - I am literally appalled that Rocket Mortgage would train their agents to use language such as this, as if identifying a mistake that Rocket Mortgage made and demanding that they correct it should come with a warning! Having to disclose that a ) rocket mortgage made a mistake, b ) i am doing their job for them by giving them information, c ) had to request on three contact events. I have been advised dates of resolution from XX/XX/XXXX, to XX/XX/XXXX and now today I am told XX/XX/XXXX. This is frustrating. Rocket Mortgage has continued to make excuses about why they failed to properly assess my county taxes in their escrow analysis and as a mortgage servicer, these are unacceptable. I expect my payment to DROP this year, not INCREASE. I am not trying to FALSELY ENRICH this tech giant.
Consumer complaint received 2019-12-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: N.A.R., Inc. (UT)

I was taken to the emergency room of the XXXX XXXX XXXX on Friday, XX/XX/XXXX, after sustaining a serious injury from a XXXX XXXX. I submitted my insurance information and my dad helped pay off the {$220.00} remaining after insurance paid the rest. I assumed it was all taken care of by then. However, I received a phone call from North American Recovery on XX/XX/XXXX saying that I owed a debt of {$460.00} on that same bill. I called back a week later after confirming that North American Recovery was a legitimate agency and not a scam, and I told them that as far as I knew, the bill had been paid in full. I attempted to contact the XXXX XXXX XXXX to ask about the debt, but I did not receive any response. On XX/XX/XXXX, I sent an image of the receipt, and I received a response on XX/XX/XXXX that my dispute was not legitimate. I later discovered that this debt was to pay the XXXX   doctor, which was different from anything that had been paid already. However, I did not receive any notice, written or oral, about this bill until XX/XX/XXXX, and it was added to my credit account on XX/XX/XXXX ( before I got notification that it was a legitimate bill and had not yet been paid ). I do not feel I was given enough notice that this bill existed. I did not receive any communication from the hospital that I had any outstanding debt, and furthermore, I do not feel like I was given adequate time to confirm the legitimacy of the debt after it was sent to collections.
Consumer complaint received 2019-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Someone stole {$460.00} from my Bank of America EDD account on XX/XX/19. I believe this person must work for the bank because they had a copy of my card, knew my PIN number and they knew the exact day I get paid because they accessed my account the very same day my unemployment payment went through. Ive never felt so violated in my life and for the bank to turn there back on me hurts so much. I filed a police report. I dont know what else to do.
Consumer complaint received 2024-02-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am was involved in a fraud/ scam with XXXX through my bank, which is Bank of America XXXX XXXX XXXX sent out a notification from a Bank of America number saying funds were sent and if not authorized please reply with yes or no, as a bank usual sends when using XXXX request or receives funds. Then used my phone number to give confirmation codes which the bank does to verify who I am, all coming from a Bank of America number which was directed as if it was coming from Bank of America. XXXX XXXX then transferred {$3500.00} using the codes he was sending pretending to be Bank of America to himself. This was reported to Bank of America, and I was physically at the bank the next day to help start an investigation. They denied my claim because XXXX XXXX is with XXXX XXXX and XXXX XXXX is denying the money he unauthorizedly sent and XXXX XXXX unauthorized received and sent to him. This has been going on since XX/XX/XXXX, and I have been escalating in every possible way. I was scammed and my money was fraudulently given without my consent. This person has multiple accounts of unauthorized amounts from other clients. I have made a police report and have all the pictures and documents from the occurrence. I still have been denied my authorized money and I want my money to be sent back to me. I can not go to small court to dispute because I do not have the money to do so, I just had a significant amount taken from me. This is a bank issue, that I have been with since XXXX, and needs my funds back.
Consumer complaint received 2019-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I sent letters to Capital One on XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 complaining of their new policy as follows : I pay the total transactions each month in full. If that is all I do, the following months transactions will incur an interest charge unless I pay the full amount of the transactions plus the minimum payment required. Including the payment of the minimum amount to avoid interest charges on purchases the following month makes no sense which makes it an unlawful charge. I have had no response to my letters.
Consumer complaint received 2020-06-08
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: Experian Information Solutions Inc. (FL)

This is my second complaint is regarding XXXX XXXX and Experian. They placed two unauthorized inquiries on my credit on XX/XX/2019 and XX/XX/2019 they have removed the inquiry on my XXXX report but not the other inquiry on my Experian credit report date XX/XX/2019. I am victim of Identity theft and this has been reported to the 3 Credit Bureaus and Law enforcement, please see below. Personal statement ( s ) XX/XX/XXXX & XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Consumer complaint received 2021-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AZ)

I was a victim of identity theft, I have been trying to clean up and keep an eye on my credit, I put alerts and freeze alerts on my credit. Experian will not lock or freeze my credit unless I pay extra for monitoring. That concept should be illegal. Instead of teaching snd helping consumers, they are adding to scams and identity theft. There is a lot on my reports I have nothing to do with, and the inquiries are out of control and none of them did I authorize. The other 2 agencies are the same they are allowing all kinds of information to access and put items on my reports that don't belong. But none of them will do an actual fact check. And why do they keep unlocking my report? Only I should be able to do that. Why are they given such a powerful business that is so important to people 's lives? The credit agencies are destroying lives and they don't care how wrong the data is. Or that I was identity theft because of their data breaches, and allowing everyone into my credit. This is far to serious of my lively hood to allow the credit agencies to continue this horrible not caring attitudes. Yet the privacy and livelihood of every human is in their hands. I should not have to pay money to lock my credit, especially after identity theft.
Consumer complaint received 2023-01-20
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: Experian Information Solutions Inc. (GA)

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX, GA XXXX, XXXX XXXX XXXX Balance : {$600.00}, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XXXX XXXX XXXXXXXX Balance : {$2100.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates (CA)

I am unaware of this debt. I was just recently notified from my XXXX credit report. Prior to I had no knowledge of owing a debt from this company. I did not receive debt verification, no phone calls or any letters. I would like to have this debt removed from my account as it is hurting my credit score and I think it may be an error.
Consumer complaint received 2021-12-23
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. (TX)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XXXX XXXX XXXX XXXX OPENED XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX 
OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX SERVICES OPENED : XX/XX/XXXX XXXX. XXXX THE FOLLOWING INQUIRIES WERE ALSO FRAUDULENTLY OPENED IN MY NAME : XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-20
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. (CA)

This is my continued request that I have been a victim of identity theft and seems like no one seems to care, that I want to dispute specific records in my credit file that do not belong to me or have an affiliation with me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX Balance : {$330.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1500.00}
Consumer complaint received 2019-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (NY)

Today I went to the TD Bank and tried to solve the problem with my business checking account and I called my banker XXXX XXXX, he was not on the desk and I had to run to the branch office in XXXX XXXX. New York. 

After I spoke to the Sales and Service Manager, XXXX XXXX XXXX, she re-opened my checking account and I deposited {$500.00} and paid {$95.00} for the penalty of lack of funds. 

The issue was caused by MrXXXX XXXX XXXX XXXX lack of knowledge to open the business checking account for me. 

1. XXXX XXXX didn't set up the security code for me when I opened my business bank account when I noticed the overdraft fees, I tried to call the customer service and I misunderstood the questions and provided my ATM pin code, therefore they locked my account for two weeks that ruined my online business, I can not accept online payments. 

2. XXXX XXXX is very hard to reach, he alway not on his desk, when I called him, he is not on the branch, when I go to the branch trying to find him, he is not there, I don't know if he only works as a part-time, I've never been help from him. 

3. XXXX XXXX never answered my phone and solve my problems, he always wants me to come to his branch office and talk to the manager, and when I made my trip to there, he always not there. 

4. When my account was locked, XXXX XXXX didn't know how to retrieve my account and made me lost another two weeks just trying to retrieve my account. 

5. The customer service phone numbers are very hard to get through, and XXXX XXXX didn't tell me to set up a phone pin, whenever I call the customer service phone numbers, it's taking me at least 40 minutes to talk to the right person who can handle my issues. 

6. The design of the mobile app is terrible, I can't see my transactions clearly and I don't know I was short of fund and I've been charged for more than {$300.00} just for overdraft and it was only {$30.00} shortage of amount in the bank and I need to pay {$300.00} to retrieve my account. 

TD Bank Branch Office Address XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Name of the staff XXXX XXXX
Consumer complaint received 2023-01-20
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

I was trying to modify my mortgage because my wife and I lost some income. Wells Fargo denied us a modification and we had to short sell our home because we could not afford the payment anymore. We paid {$560000.00} for the house and had to sell it for XXXX to avoid foreclosure.
Consumer complaint received 2022-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (OH)

I, XXXX XXXX XXXX, give authorization for JPMorgan Chase Bank, XXXX. to move forward with this complaint. I applied for a credit application on XX/XX/XXXX, and XX/XX/XXXX. According to XXXX XXXX XXXX Regulation Z ( XXXX ) I am a consumer which means a cardholder or natural person to whom consumer credit is offered or extended. JPMorgan Chase Bank denied me my right to a consumer credit transaction On XXXX XXXX and XX/XX/XXXX. 

JPMorgan Chase also stated they used the credit bureau and credit score to make the decision. The term Bureau means the Bureau of Consumer Financial Protection pursuant to 12 CFR 1026.2 ( 5 ). XXXX, XXXX, XXXX, and XXXX are assumed to be credit Bureaus and the Bureau is Consumer Financial Protection Bureau. Furthermore, the Fair Credit Reporting Act makes no mention of a XXXX score being a numerical score as defined by 15 USC 1681g ( f ) ( 2 ) ( A ). Credit is a right guaranteed under the Equal Credit Opportunity Act, 15 USC 1691a, and JPMorgan Chase Bank denied me that right. Chase Bank is in violation 16 CFR 433.XXXX of I, natural person seeking or acquiring goods or services for personal, family, and household use. JPMorgan Chase Bank is not exempt under XXXX XXXX  XXXX because they received or took my open end consumer credit contract after XX/XX/XXXX. JPMorgan Chase has discriminated against me because I in good faith exercised my right pursuant to 15 USC 1691 ( a ) ( 3 ).
Consumer complaint received 2021-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

XX/XX/2021 a deposit was made of {$1200.00} dollars, but an estimation of {$1300.00} was entered into the ATM because the ATM had jammed and had requested for the one depositing to enter the amount of the cash deposit ( at the time I was not certain of the exact amount until afterwards ). An over estimation of the deposit was made in order to not have my deposit shortened to less than what was deposited. The other option was to select " unknown amount '', which I felt uncomfortable selecting. Ends up that the money was not counted either way in the end by a Wells Fargo employee. I was not given the option for anything once the ATM had jammed, but only told me to call the number on the screen in order to resolve the issue. I was not instructed to come into the bank the following day to resolve the issue. No receipt was given and the ATM only detected {$50.00}. I called Wells Fargo Customer Support the next day and I filed a claim in order to receive my money back that was jammed in the ATM. I was given some time after a provisional credit of {$1200.00}. After months of waiting and dealing with customer support they had denied my claim and stated that the ATM only detected {$50.00}. Afterwards, I went into that same bank and talked about my issue and ended up filing an escalated complaint with the bank. I waited a few weeks and never got contacted once I had received the acknowledgement email. The {$1200.00} of provisional credit was taken back from my account. I went back into the bank and opened a case with a specialist and did not get contacted until and had to go back into the bank and talk to the a Wells Fargo employee over the phone. They stated all that the ATM had detected was {$50.00}. The manager stated himself that when an ATM jams the total amount deposited is not counted and goes into a dispenser bin within the ATM. They refuse to check their video recordings outside and within the bank to verify my claims. The ATM only detected {$50.00}, but proof of a deposit was created within the ATM itself by virtue of a receipt within the machine that the bank itself had given me a copy of once I asked for a copy. That local bank itself where the money was deposited at their ATM and the Wells Fargo claims/specialist departments refuse to check their cameras outside and within the bank in order to validate my claim of a deposit of {$1200.00}. The only amount of money that I got that went into my account was the initial detection of a {$50.00} bill. No receipt of the transaction was given from the ATM itself because the ATM had jammed. The only reasonable explanations are that an employee or employees that work in or for the bank have pocketed the money or an error was made by the individual that collected/counted the money in the ATM dispenser bin.
Consumer complaint received 2021-12-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (FL)

Over a month ago I deposited XXXX dollars into my account and it was immediately suspended following the deposit. After speaking with chime I was told I needed to send in identity and address verification. I supplied documentation and the account was not unlocked. After multiple emails and phone calls that resulted in nothing happening, I requested the account be closed. I have done that 3 times now and still nothing.
Consumer complaint received 2019-11-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Kashia Services (GA)

Springwater Financial is not trying to work the problem out. I've paid {$590.00} on a {$350.00} loan and want an additional {$790.00} .Spring Water Financial continue charging 700 % interest and up on a {$350.00} loan is illegal in Ga. I have to keep renewing in order to keep payments current.They harass job and this unfair business practices in USA.
Consumer complaint received 2023-01-20
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: Experian Information Solutions Inc. (OH)

On XX/XX/XXXX I received an experience credit monitoring email and a XXXX XXXX  credit monitoring email that a change was made to my report. I was sitting at home, on a Saturday afternoon, watching tv. So I opened the emails and investigated what had changed to my credit report. Someone used my name, social security number and information to try and open a credit card by XXXX XXXX, address XXXX XXXX XXXX, XXXX, Ohio XXXX XXXX I researched the address and name and found out it was an XXXX credit card that someone tried to apply for. The change in my report was due to a hard inquiry which in turn dropped my score and the information provided by Experian stated the inquiry would remain on my credit file until XXXX of XXXX. I did not attempt to open this account and did not shop at XXXX online or in store on XX/XX/XXXX and would like this inquiry removed from my credit. I have opened a fraud alert across all of my credit accounts and require to see an ID when anyone performs a credit check on me.