davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upgrade, Inc. (IN)

In XXXX I spoke twice about paying extra on the principal and interest rates on a XXXX loan. I have paid over XXXX towards the principal and XXXX towards the interest and the loan still sits at XXXX. The company keeps saying they will look into but nothing is happening.
Consumer complaint received 2023-01-23
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: MOHELA (TN)

I sent the company a certified letter back on XX/XX/, and it was received on XXXX XXXX XXXX but I never got any response in regards to what I was asking for.
Consumer complaint received 2023-03-01
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: JPMORGAN CHASE & CO. (NY)

On XX/XX/ a inquiry from this company ( s ) was pulled from my credit without my notice or authorization. I did not apply for anything with these company ( s ), I believe I was a victim of fraudulent activity. These unauthorized inquiries have negatively affected my credit score and my ability to acquire credit. I need these false items removed from my credit report as soon as possible.
Consumer complaint received 2023-03-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MN)

I have been working with XXXX XXXX XXXX HUD Certified Housing Counselor since XX/XX/XXXX. I have also applied for the State of Minnesota 's HAF program. Since I started with this process, my loan servicer changed from XXXX XXXX XXXX to Shellpoint Mortgage Servicing. While I was with XXXX XXXX, the State 's HAF program representatives were able to communicate with them to get the information they needed to help me catch up to be current on my loan. When I was switched to Shellpoint Mortgage Servicing HAF sent a request for information and was told that I did not have rights to authorize this request stating " Owner Deceased ''. This mortgage loan was taken out by my late wife who passed away in XXXX. I had supplied the necessary documents to the Loan Servicer at the time. On XX/XX/XXXX my Housing Counselor emailed Shellpoint Mortgage a copy of the Certificate of Examiner of Titles. My Housing Counselor called Shellpoint on XX/XX/XXXX to confirm they had received it. She was told that yes they had. We then asked that HAF resend the request. They were again denied due to XXXX XXXX. Today I called Shellpoint with my Housing Counselor and was told that they did not see the document. Shortly afterwards the representative saw the email and the document. She stated she would send it to Loan Servicing and that in 3-5 days we were to call to confirm they had received it and to find out if this document was sufficient to show I have the rights of survivorship. If they had approved it, we were told to ask that an email be sent to the department who handles HAF stating that this was approved. We were told that we would need to call again to confirm that department has the document. Once we know that the HAF department at Shellpoint has this document we were told to ask the representative to ask Shellpoint to reach out to the State of Minnesota 's HAF program or for us to contact the states HAF program and ask them to resend it. We were told that depending on who we spoke with they may or may not be able to assist us with this.
Consumer complaint received 2023-01-23
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. (MI)

This is my fifth 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 alleged fraud or extortion. 

Here are the items that needed to be removed : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXXXXXX XXXX XXXX Balance : {$2600.00} XXXX  XXXX XXXX XXXX Balance : {$730.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-10-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (VA)

On XX/XX/2019, I made an international money transfer through my REMITLY mobile app to XXXX.I transferred the sum of {$1000.00} to my recipients XXXX XXXX XXXX account in XXXX using my debit card. And my this transaction showed successfully delivered to recipient right away. When my recipient went to retrieve the money, the banker official said the money isnt there.i then called Remitly and they said I must provide a bank statement to prove this which I did 2 days later. I have continued to call and exchange emails with Remitly and have even sent another bank statement after 2 weeks of not receiving the funds.during some of my calls and emails with them, they mentioned that they do not service dollar to dollar transactions.unfortunatelly I wasnt aware of this at the time of making my transfer which means my money is hanging somewhere other than my recipients account if they do not accept dollar to dollar. But until now, Remitly is still giving me a run around and have refused to Re-embuse me or find the money.its almost a month finding my hard earned money .please help me. 
Thank you
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ProCollect, Inc. (TX)

THIS ( PROCOLLECT ) COLLECTIONS ACCOUNT HAS BEEN SUCCESSFULLY DISPUTED AND IS NOT AUTHORIZED TO BE REPORTED ON MY CREDIT FILE THIS ACCOUNT IS FRAUDULENT AND CURRENTLY HAS BEEN DELETED FROM XXXX AND STILL HAS NOT UPDATED ON XXXX I NEED THIS REPORTED ACCURATELY IMMEDIATELY.
Consumer complaint received 2023-01-23
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: BARCLAYS BANK DELAWARE (TX)

I recently disputed a charge posted on my account dated XX/XX/XXXX, totaling {$210.00}. XXXX originally flagged a transaction for XXXX XXXX totaling {$170.00}, located in California ( I reside in Texas ). Upon reviewing my account, I noted a charge for {$210.00} to XXXX XXXX XXXX XXXX was not recognized. Barclays noted the tickets at XXXX XXXX XXXX had been used and would not provide charge back the money despite it being fraud. 
On XX/XX/XXXX, I reached out to XXXX. They were able to provide me information on the business and the email address used. The business was XXXX XXXX XXXX, located in California. The email address used was XXXX. Upon receiving this information, I reached out to XXXX XXXX who stated they thought the transaction was fraud. 
Further research showed the email address used to purchase the ticket does not have an active domain. Additionally, XXXX XXXX is XXXX minutes from the fraud in California that Barclays acknowledged was fraud. On XX/XX/XXXX, I was seeing a movie in Texas. 
On XX/XX/XXXX, I faxed Barclays a copy of all of the information I had compiled. This included the emails from XXXX, the acknowledgement of fraud from XXXX XXXX, the red-flags concerning the email address, and the close proximity of the disputed transaction to the fraud at XXXX XXXX 's. Additionally, my XXXX credit card statements showing I was in Texas at a movie theater on XX/XX/XXXX. 
Despite sending the fax at my own expense and calling them, I have not received any updates. Barclays has stated I will need to call in periodically. They do not seem to be able to reach out and I find it frustrating I had to call in to confirm they got my fax.
Consumer complaint received 2023-02-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Sunset Management, Inc (WY)

I have recieved repeated calls every other for the last several months from a debt collector by the name of Sunset Finance XXXX XXXX XXXX XXXX, GA XXXX. Earlier this morning on Tuesday XXXX, XXXX Sunset Finance made there first call at XXXX. I work in the mornings and missed there first call but reconized the area code as a XXXX number and immediatdley picked up the second time they called at XXXX. The debt collector introduced herself as XXXX and said she was with Sunset Finance. I tried to inform her I was at work and now was not the best time to talk. She still proceeded to talk over me about the account and barely gave me a chance to speak. I then tried to inform XXXX that if the calls were to persist in the back to back manner then the best form of communication for me would be mail from here on out. XXXX was very agressive and heated with me for the rest of the call and informed me I will have a warrent placed against me for stealing property across state lines. After making a clear threat towards me to obvisioulsy scare me I still refused and she then hung up the phone.
Consumer complaint received 2023-03-09
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: AMERICAN EXPRESS COMPANY (NJ)

I have the American Espress credit card, on XX/XX/XXXX - 2021 I called Amex customer service to provide me with a payment method other than my debit card App, then the young man provided me with this account number route XXXX account XXXX XXXX XXXX belonging to Amex, I deposited XXXX dollars cash in one in said account and since then that deposit has not been deducted from my debt. 
I need my money.. 
I have the receipt of the deposit that I made.
Consumer complaint received 2023-01-08
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. (LA)

I have been receiving phone calls from debt collection agencies. I took the time to contact the debt collection agencies as well as the XXXX credit bureaus. 
Upon receiving a copy of my credit report I have retrieved the info about an unknown unauthorized account. I was told by the credit bureaus to file a police report for the fraudulent activity on my credit report. 
I have no knowledge of this debt. This is not my debt. The following accounts are the result of identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am still waiting on XXXX more fraudulent accounts information. I will be contacting you guys in a week or so with the other fraudulent accounts to add to this report. I would really appreciate these issues being taking care of. I file a police report as well and XXXX attach the supporting documents Please remove this fraudulent account. 


Account Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo is doing unauthorized withdrawals from my account and closing without informing me. They have gone through all of my disputes and reopened them after closing letters were sent out. They are not issuing credit for returns or fraud. I made an appointment with XXXX but XXXX showed up from XXXX branch and they started doing unauthorized withdrawals and closed the account. XXXX from XXXX illegally plugged my safe box when it was paid. They took valuables out of my box without notifying me. This has to stop.
Consumer complaint received 2023-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (PA)

The IRS sent XXXX dollars to my chime checking account on XXXX XXXX XXXX and I have emailed chime support over and over asking where my tax refund money is and they're not giving me a clear answer or resolving my issue with my IRS Tax refund deposit of XXXX. I need to know where my money is as it was sent to my chime bank account.
Consumer complaint received 2018-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

My Capital One Quicksilver account was in good standing for 11 years. I tried to use the card and it was declined. I called CapitalOne who said the account was closed because it was not utilized enough. No warning was given. There was no minimum use required in the card agreement. This was my longest opened credit card and has now damaged my credit score with the account closure.
Consumer complaint received 2019-06-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

I attempted to apply for a modification. I called on XX/XX/XXXX and requested the application. I was told I would receive it in the mail in approximately 10 business days, and that it may be available in my paperless inbox within 24 hours. I waited for the paper version and after 10 business days I had not received it ( however, I still received my bill just fine ). I could not log into my account, and to my knowledge I had never logged in. I called back on XX/XX/XXXX to see what had happened, and was informed that the application was never sent in the mail, as my account is paperless ( unless it's the monthly bill ). I was assisted with getting back into the account, and was able to fax the completed application the following day. I was told it could take up to 10 business days for them to process it, so I waited until today, XX/XX/XXXX, to call back. I was told that the application was denied because ( 1 ) it lacked a cosigners signature ( when it did not ) ; ( 2 ) that I did not include a payment statement for myself and my cosigners ( when the language on the application was vague and sounded as though it could be requested, but was not required ) ; and ( 3 ) that I had not submitted it within 30 days of requesting it. I expressed frustration that neither the representative nor the supervisor I spoke to on XX/XX/XXXX informed me of the 30 day window, which had already passed when I called. I requested a new application, and was told I would receive it in the mail within 10 business days. I expressed my concern with what happened previously, and the rep from the modification department told me that they ONLY send the application in the mail. I waited and called back approximately 20 minutes later to file a complaint on file, and was told by a different supervisor from the service department that the application would not be mailed and would only be available in the paperless inbox. I requested a stay on negative credit reporting, as there is a risk to that in 8 days, and it will likely take longer to get the application resubmitted and processed, but he told me that he can not do that and all I can do is either make the payment or dispute the negative reporting. There was seemingly no accountability between departments, and overall I have felt left by the wayside when it comes to helping me repay my loans. I understand that I need to pay them, but I can not afford the large payment, and they seemingly purposefully make it difficult to get the modification.
Consumer complaint received 2024-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to express my concern regarding the unauthorized and fraudulent inquiries on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2022-05-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX and XXXX two retailers refunded to my account a total of {$10000.00} for a vacation trip that I had to cancel because of a XXXX XXXX. Approximately XX/XX/XXXX I contacted the Bank America Credit Card Co ( XXXX ). to request a refund of my credit balance. I was at that time informed that a refund would be sent to me by a check, in the amount of credit balance after my cc ( credit Card ) balance was paid off in about 10 days. So I waited and on XX/XX/XXXX I checked my cc balance and no action had been taken because I still had a very large credit balance. I called again and I was then informed that I would receive a refund directly into my checking account, the account that I have used to pay the balance for all three ( 3 ) of my BA cc 's. This would take 2 to 5 business days. On XX/XX/XXXX I checked my account and no action was taken. I contacted the XXXX XXXX and after explaining my problem again and getting no where I asked to talk to a supervisor ( SV ) after waiting 20 minutes I was told that the SV would call me back. I waited until today XXXX and called again. After explaining my problem again I waited for the SV and after waiting I was told to leave a message and the SV would call be back. The rep then transferred me to the Auto Loan Dept. not the SV. So I called back again and after explaining my problem again the rep took my info and said the SV would call me back. 

I believe that I have done all that I can do and the XXXX XXXX is just giving me the run around while they keep my money. I need your help.
Consumer complaint received 2024-03-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am formally requesting the removal of this erroneous entry from my credit report. I did not authorize its establishment or utilization. Enclosed are the necessary documents to support my claim. 

I urge you to promptly rectify this error on my credit report. I confirm that this account is not mine and strongly suspect it to be fraudulent.
Consumer complaint received 2022-05-24
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. (FL)

Upon reviewing my credit report, I noticed that several accounts have be opened using my identity. I did NOT authorize these accounts and I have reached out to each individual company with no response as to where these accounts come from and why they are showing up on my credit report/profile. below i have listed several accounts that are recognized as fraud : 1 ) XXXX {$660.00} date : XX/XX/2022 2 ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  USA ) {$1300.00} XXXX 3 ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX A ) {$740.00} XXXX 4 ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) {$400.00} XXXX 5 ) XXXX {$6500.00} XXXX
Consumer complaint received 2022-05-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (IL)

Chime suspended my account back in XXXX while I was receiving unemployment from XXXX  my account has over {$900.00} in it and Ive did everything they have asked of me and sent in every document that they have requested from me but they will not release my account so I can get my funds and they will not close my account Ive been going through this with this company since last year and still have not received any help they tell me my documents are invalid when they are directly from the unemployment site I just want and need my money and they basically have stolen it from me
Consumer complaint received 2023-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NC)

On XX/XX/XXXX we contacted PHH mortgage due to taxes not being in full and the funds needing to be sent overnight. Our checking account with XXXX bank had been garnished and negative {$1200.00}. The full amount deducted was {$1300.00}. We contacted XXXX XXXX XXXX department to find out what was going on and then contacted the mortgage company requesting for the funds in the amount of {$1200.00} be overnighted to XXXXXXXX XXXX XXXX department. The first representative we spoke to tried to say that they had no one we could speak to so that it could be expedited. We insisted on speaking to someone to further assist. We were transferred to the escalation line and spoke to XXXX, explaining that the full amount of the taxes were not paid and additional funds were due for the taxes that were now showing delinquent. We emailed the tax bill that XXXX XXXX XXXX department provided to us dated XX/XX/XXXX. We were told by XXXX it should take one to two business days. 
The next morning we checked the accounts and the other checking account with XXXX had been garnished and was showing negative {$1200.00} on XX/XX/XXXX as the funds in the amount of {$1200.00} for XXXX XXXX XXXX department was being deducted. We called PHH again and told them that our other account has now been hit. We expressed again how important it was to have the funds expedited. XXXX XXXX said they sent PHH the full tax bill of {$2300.00} in XX/XX/XXXX. I did have the homestead excemption that unfortunately was removed as XXXX XXXX stated they did not receive my form to keep it. They said they sent 2 more tax bills that we did not receive that showed the remaining amount of {$1200.00} as PHH did pay {$1100.00} per the first bill they received in XX/XX/XXXX. We have explained this to PHH multiple times. They keep saying the taxes need to be verified. Two tax bills have been emailed to them. My daughter works for XXXX. This needs to be rectified as the taxes are escrowed and we have been negatively impacted by this. We called again on XX/XX/XXXX and were told they are waiting to hear from XXXX as they already paid the taxes and the taxes are showing as being delinquent. We know this, we sent them that info. The taxes need to be paid immediately as we have expressed. Please help. We have XXXX negative checking accounts and items that would have been paid have been returned. 

Thank you, XXXX XXXX