davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Bank of America accounting ending in XXXX. 

on XX/XX/ I reported my card lost and my charges on my card fraudulent. However, since the " chip '' was used on the credit card bank of America decided this was not fraud which is completely disregarded my claim which is lazy and untrue. See the attached letter. I did not have the card. I was not in XXXX XXXX, XXXX, XXXX  XXXX and XXXX XXXX in one week time.
Consumer complaint received 2024-04-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CT)

I tried to donate money to the XXXX campaigns of my friends in XXXX, XXXX. Because XXXX nor XXXX does not support Palestinians to create their own accounts and fundraising campaigns, they have to ask strangers living in the XXXX XXXX countries or one with citizenship in one such to set up fund transfers and fundraisers. 

I have tried several times to send money using my XXXX account to my friend XXXX campaign, XXXX puts security blocks each time with an alert message stating " Your donation wasnt successful. Please check your payment details or contact your bank. '' or of this nature. However, my bank as not applied any restriction, which is evident as I have not received an email/text/message through my online banking platform since the first incident of unsuccessful transaction. 

Furthermore, I have had my partner with a joint bank account with a XXXX account completed transaction to the same exact XXXX campaign of my friend in XXXX XXXX without an issue. 

I have attached screenshots of XXXX 's help center responses below as well as the alert that appear with unsuccessful transaction that appeared on the said XXXX campaign page. 

Thank you,
Consumer complaint received 2019-09-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

We set up homeowner 's insurance through USAA on our new home in XX/XX/XXXX via phone with a representative. After calling back multiple times, speaking with multiple representatives due to the premium seeming high, we finally set it up because we trusted USAA. USAA appointed an inspector to come out and look at the house in XX/XX/XXXX to ensure we had the appropriate coverages. We were never notified of the outcome of the inspection. Fast forward to XX/XX/XXXX, upon refinancing our home, it was brought to our attention our insurance premium seemed very high. We went to another insurance agency for a quote, with the same coverages, and were quoted a significantly lower rate -- - because the dwelling coverage on our USAA policy was literally double what it needed to be. When I called USAA to cancel our policy, the representative informed me of the same- that our dwelling coverage was way too high, and that she could get us a lower rate than what we'd been paying. She also informed us a letter had been sent out informing us that our dwelling coverage should have been lower per the USAA appointed inspection report and that this letter was emailed to us on XX/XX/XXXX. I looked through all of our emails and documents on USAA.COM, but this letter she spoke of was absolutely nowhere to be found. Therefore, I requested a refund for what we had been overpaying for 15 months, as we were never notified or provided the opportunity to lower our coverage based upon the inspector recommendation/findings. The representative stated she would forward the request to her manager and get back to me the next day. Unfortunately, the representative got back to me and essentially stated that we would not be receiving a refund because it was our fault the premium was made too high in the first place and maintained that the letter was sent out to my husband 's email, even though there is no record of this letter anywhere else. We were never informed of the findings of the USAA appointed inspection and therefore it was unbeknown to us that we even had an option to lower our premium. After being USAA members for 11+ years, we have never experienced anything like this from USAA- it is so disappointing. The lack of integrity, unwillingness, and unreasonability has heavily tainted our views of USAA and we intend to take our business elsewhere.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (IN)

I recently received Correspondence from Resurgent with the Original Creditor being XXXX and current owner being LNVL Funding LLC stating I owe a debt I have no knowledge of. I am requesting full account information, original signatures, my identification that was given during the application process as well a all missed payments dates included with the statements.
Consumer complaint received 2021-09-30
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: Synovus Bank (FL)

This is my first time making a complaint with you guys, not sure what is needed or how to go about this. I have been back and forth in a dispute with the company First Progress Card. I have contacted the XXXX  with my complaint. I have provided any & all documentation and proof that one can alongside XXXX to resolve this dispute and to prove my case. First Progress continues to ignore the information provided, they continuously reply back stating that they need " proof that they were cashed by their remittance department ''. XXXXXXXX XXXX manager and I have already exsplained several times to the managers and in the dispute via XXXX  that all payments were NOT made by a check or money order. The payments were made with cash via XXXX & wire transfers, therefore the only documentation that can be provided is the exact date, time, amount and of course the tracking ( reference ) number of that wire. I have paid all of my bills on time to this company for the past year ( including these in question ). I was told by them that they did not receive 2 months of payments from me ( which XXXXXXXX XXXX manager and I have provided proof off ). They not only have made me pay the actual bill 2x but also have added late fees both times which I have also paid each time. I am now forced to either pay another late fee on top of all of this or continue ruining my credit as this is a secured card that was " suppose to be increasing my credit not damaging it. I will provide all screenshots of out conversation ( s ) via XXXX  dispute for more detailed information. If ANY other information is needed, that XXXX, the XXXX  or I can provide, I would be more then happy to provide that upon request ( as we already have ). This has been ongoing for months now and needs to be rectified. I have also read other reviews about this company with the same issues alongside of not being able to cancel out the card and get their deposited back, which I am assuming will be the next issue.
Consumer complaint received 2019-12-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc. (TX)

I received a {$75.00} promotional card issued by XXXX through MyPrepaid Center. The card is marked " Award '' in small font with a " Valid Thru '' date in smaller font. The expiration date is less than six months from the issue date. I am trying to access my funds the but the card is expired so the their system won't even recognize my card. 

I tried calling the company, but their phone system does not have any option that leads to a real person. 

The short expiration of the card, combined with them preventing me from speaking with a real person, plus the formatting of the card is unfair and deceptive.
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I've demanded a copy of all information on my consumer file from each credit reporting agency and have yet to receive this information. According to 15 USC 1681g, I am entitled to all information on file ; sources and report receipts upon request. Attached, you will find a scanned copy of my USA passport ID card in accordance to 15 USC 1681h.
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with The Fair Reporting Credit Act, this creditor has violated my rights.

Under 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 A credit/consumer reporting agency can not furnish an account information, without my written instruction.

15 USC 1666B A creditor may not treat a payment on a credit card account under an open and active consumer plan as late for any purpose. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION (TX)

Navy Federal Credit Union has been notified on multiple occasions that there are 2 Credit Cards, and a Membership a savings and checking in which was opened in my name with Stolen Identification, After my wallet was stolen and the thief used the stolen identification online using a fraudulent address, To open a Fraudulent membership and credit cards. Online. Navy Federal Confirmed that these three accounts all had been opened online. This includes a Checking and Savings and 2 Credit Cards. Navy Federal when I call in refuses to assist me with this matter, and stated they have investigated and that I authorized the accounts, in which I didn't and that they have verified these. First of all you have to have family members in the military or have a spouse in the military to join. All of which I do not. Secondly, My Identification was stolen when my wallet was stolen. I notified the Credit Bureaus as soon as I could when I saw these fraudulent accounts. Navy Federal never called to clear the Extended Fraud Alerts on my credit bureau reports, before allowing the membership or accounts to be opened. They sent the cards to a fraudulent address, I never received any account documentation on these accounts either. They use the terms " our member '' when they are responding to complaints. They refuse to follow the law and investigate the fraud. I never authorized these accounts to be opened, I never received any account documentation. Your agents advised me these accounts were all opened online. Which again, I did not authorize. Navy Federal allowed a thief to open accounts and then accuse me of opening accounts that I didn't open nor receive. I am attaching a Valid FTC Affidavit. To this complaint. I want Navy Federal to immediately resolve the issues, as Identity theft is not a laughing matter. I believe Navy Federal takes this as a joke. I am a victim of a crime. I have not ever signed anything for your bank, I did not authorize any accounts to be opened. I will continue to report these accounts to the credit bureaus as Identity theft, because these are UNAUTHORIZED and opened from a thief. Please follow proper laws and investigate the actual crime. I am not your member, and I do not wish to be referred to as such.
Consumer complaint received 2016-07-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NJ)

I paid in full my Chase mortgage on XX/XX/2016 with a refund for over payment on the mortgage which was allegedly mailed to me on XXXX XXXX. It is suppose to take 10 business days and it is still not here. I have made over 3 hours worth of calls 19 in total with no response. I was told I was not cooperating because I did not have a Chase checking account. Please get me my refund check as Chase does not respond.
Consumer complaint received 2021-09-30
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: AMERICAN EXPRESS COMPANY (IL)

I have inquiries on my report from Amex XX/XX/2021 & XX/XX/2021 ( XXXX ), XXXX XXXX XXXX XX/XX/2021 ( XXXX & XXXX ), XXXX XXXX XXXX XX/XX/2021 ( XXXX & XXXX ), XXXX XXXX XX/XX/2021 ( XXXX ) , XXXX Auto Finance XX/XX/2021 ( XXXX ) , XXXX XXXX XXXX XXXX XX/XX/2021 ( XXXX ) XXXX XXXX XXXX XX/XX/2021 ( XXXX ) and XXXX XXXX XX/XX/2021 ( XXXX ) all which I disputed because I didn't apply for those companies. I have even sent in letter for possible identity theft which all companies haven't responded to or said they would remove immediately
Consumer complaint received 2021-09-30
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. (AL)

I have written and called Experian several times about the account at XXXXXXXX XXXX XXXXXXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX is reporting to Experian as a charge off but is showing a balance. Not only are they showing a balance, this account has been sent to a collection agency. They are also reporting C/O each month on my Experian report to reset the last date of activity. I have explained this to Experian several times via phone and letter. They have yet to remove this account for inaccurate reporting.
Consumer complaint received 2021-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (MN)

I.C. Systems was hired by XXXX to collect a debt that doesnt exist. 

I sold my XXXX home and moved in XX/XX/21 and had disconnected services, paid my bill in full and returned all equipment that I had been using at XXXX XXXX XXXX. 

I am extremely upset that this collection is on my report and the company is refusing to take accountability and remove it, as it is false. I do not owe any money to XXXX, I have paid What was owed and returned the equipment. This collection crushed my credit by 100 points and caused me to be denied for a mortgage. Not too mention, Ive had issues in the distant past with this collection company. Theyre dishonest and shady, bullying people into making payments that arent owed. 

I want this removed from my credit report and repaired immediately.
Consumer complaint received 2016-12-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Nelnet, Inc. (NJ)

When my loan changed servicers ( from XXXX to Nelnet ) the payment amount increased. I believe this is an error because I 'm on a fixed payment plan, am neither ahead nor behind on payments, and since the terms of the loan are the same the payment should be the same. I have asked Nelnet repeatedly ( via phone calls, emails and live chats ) to explain the increase and they do not. The only explanation their customer services reps give is that XXXX must have undercharged me. When I ask for them to show me their calculations that led them to determine that XXXX did n't charge enough, they tell me that this is n't possible. Either XXXX undercharged me, in which case it should be possible to show this, or Nelnet is overcharging me. Either way, Nelnet is n't providing any of the needed information in order to determine which is correct and is debiting my account more than XXXX for the same loan with the same terms. Furthermore, I 've asked multiple times for a complete transaction history of my loan and they have ignored all but one request and the the only history they did send was missing years worth of payments.
Consumer complaint received 2021-09-30
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (TN)

In XXXX of XXXX after being affected by the XXXXOVID Pandemic we applied for and received Pandemic forbearance. In XXXX of XXXX I called my mortgage company, Mr. Cooper and asked to restart payments. I was told they would review with the VA what was allowed to make up the missed payments, and they stated it would either be a deferment or a loan modification. They then told me a week or so later that I didn't qualify for a deferment and that they could only offer a repayment plan of the missed payments over 10 months or a loan modification plan. The repayment option would increase my monthly payment from {$2400.00} to {$4500.00}. per month. I obviously can not afford to almost double my mortgage payment for the next 12 months. I objected to that and they said they would restart my forbearance and review the loan modification process. It took them until XXXX to make a decision that I did not qualify for a loan modification because they calculated my disposable income at over {$6000.00}. per month. My take home pay is {$6200.00} per month, and I have a {$580.00} VA XXXX payment. My total take home is under {$6800.00} per month. I have XXXX children, ages XXXX, XXXX, and XXXX. After regular mortgage payments, utilities, food and clothing along with my other financial obligations we are just able to make ends meet. With the {$4500.00} mortgage payment not an option, I sought out a refinance. I am fully approved for the VA IRRL which would have closed on XXXX and would lower my rate from 4.25 % to 2.99 % thus putting me in a much better position financially. At this point Mr. Cooper is blocking the refinance. If they would allow the refinance to move forward they would have the funds wired to them within 3 days to pay off the entire loan balance. The only logical explanation would be, that Mr. Cooper is using this tactic to force a foreclosure on my home because of the estimated {$160000.00} in current equity and homes in my area selling in an average of 8 days or less.
Consumer complaint received 2022-05-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

Since the pandemic started, my well being became compromised. It was a relief that I was eligible to put my mortgage in forbearance when the pandemic first began. My mortgage servicer was reluctant to put me in forbearance but the XXXX XXXX XXXX  XXXX XXXX told me that this was a requirement. 
Now that I can no longer be in forbearance my mortgage payments are due monthly. But work has become difficult as I am XXXX years of age. 
In XXXX, 2022 I applied for mortgage assistance through the HAF program, XXXX XXXX XXXX  XXXX. I was conditionally approved for assistance by HAF last month. After being conditionally approved, HAF contacts the applicants mortgage servicer which in my case is JP Morgan Chase in order to arrange a mortgage modification. I called XXXX today since I still have not been approved for assistance. I asked XXXX if they tried contacting Chase and they said yes but that Chase has been unresponsive to XXXX. 
Even before I applied for mortgage assistance I asked Chase if they would do a mortgage modification and they said no. 
I have always paid my mortgage on time but now in view of the fact that my health has suffered due to the pandemic, mortgage assistance through a loan modification with my servicer would be most helpful in keeping me in my home.
Consumer complaint received 2019-09-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (CA)

On XX/XX/2019 there was a transfer done from my XXXX XXXX XXXX mobile app, which actually uses Zelle to send the money. The money was not authorized to be transferred as it was done without my consent, however, with it being one of my recipients I thought I could simply ask for my money back. The recipient did not receive the money either. When I contacted XXXX XXXX XXXX XX/XX/19 they basically told me they were not responsible for Zelle and they could not do anything to help me. I proceeded to tell them I did not authorize the transfer and they allowed me to file a claim, but I received three separate letters stating that my claim was denied because it was done from a device that is consistent with previous valid account activity. The letters were dated, XX/XX/2019, XX/XX/2019 and XX/XX/2019. The letter dated XX/XX/2019 stated they were doing further research and it would take 45 calendar days to complete the research. The time has passed and I still have not heard back. I still don't know who received the {$2500.00} that was transferred from my business checking account on XX/XX/19. The only thing XXXX XXXX XXXX could tell me was that the money was sent through Zelle to a XXXX XXXX Bank account. I was not given any other information. On XX/XX/19 I tried to requesting {$2500.00} from the phone number that was used to send the money to originally and oddly, I received a notification stating that the phone number was not registered with Zelle. After researching online I found that Zelle should not have been able to take money out of my account if the recipient did not set up account with them. As of today, I still don't have my money and I don't know who does. Zelle refuses to get back to me and even the branch manager at my local XXXX XXXX XXXX is frustrated with me and no longer can help me she says. I don't know what else to do, but I need my money back. Please help.