davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (KS)

Hello, XXXX XX/XX/2019 i sent XXXX to XXXX with XXXX Two days after that, I tried to use my debit card and I realize I was negative. 
I checked my account and I realized I was negative. 
I don't know why but XXXX made 2 transactions with XXXX ( XXXX total ) If I want to send XXXX I can just make XXXX transaction not 2. 

I called then and I cancelled the second transaction. And they said will take 5 days do get refund. 

The first XXXX arrived in XXXX, the second transaction they send back to my account, and also they gave me one transaction for FREE because of this problem. 
**Was n't my problem!!!! 

Now ONE MONTH after got my money back I received a e-mail from Transferwise and they said I OWE XXXX, because they sent the refund 2 times. 

I checked my checking account and there just one refund, I sent the screen to then with all the informations and they still want to send my name to the collection without PROVE. 

I have a screen on XX/XX/XXXX I got XXXX witch was " pendent '', and in XX/XX/XXXX finally the XXXX shows again in my account as " available ''. 

Just one time refund not two. Same reference number. They still can't prove it the debit!!! 

Trying to talk with then but they still saying they will send this debt to collection. 

THEY CAN PROVE IT!!! 

I am very upset, I am very honest and this company is very desorganized. 

I don't know what I have to do it, please help me I have all the proves I do not OWE anything and they want to destroy my credit. 

They sent to me on XX/XX/XXXX the money was pending and in XX/XX/XXXX the money got available, same track number was just one deposit not two. They said there was 2 deposits NOT TRUE they cant prove!!!! 

Thank you.
Consumer complaint received 2019-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (OH)

I received the sum of {$8200.00} in my checking account with PNC bank from one XXXX XXXX my business contact on Thursday the XXXX day of XX/XX/2019. I went into the bank the next day to get this cash, so as to be able to complete my part of the business. My bank refused me access to the funds in my account and outrightly declared the transaction fraudulent. I have reached out to the bank for reasons for such action and have also called them on several occasions to no success. They said that my account is under investigation and wouldn't give me anything to prove to XXXX XXXX that I have not scammed her off her money until the investigation is done. I write to have this remedied as I think this is the best thing to do
Consumer complaint received 2019-04-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (AL)

Enhanced recovery did not send me a collection letter before they put this on my credit file. There response would be that they can't find me even though they are reporting it on my credit file. This is collection agency new tricks to put things on your credit report before they notify you in the mail. But I have never received a collection letter with my right to dispute this,
Consumer complaint received 2019-04-18
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: EQUIFAX, INC. (IN)

I have printed my report from XX/XX/19 and XX/XX/19. There are no difference in the two, but yet my score dropped 128 points in 1 day! Everything is exactly the same on the reports but no one can explain why the drop. This is unacceptable.
Consumer complaint received 2019-04-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (AZ)

When my home mortgage loan began with Green Tree, I signed up for their bi-weekly automated payment program and they initiated the withdrawals from my bank account. One month later my loan was transitioned to Ditech and initially nothing had changed ( due dates remained the same and the automated bi-weekly program continued ). In XX/XX/XXXX, the due date on the monthly statements changed ( 1 day earlier ) and late fees started to accumulate despite the companies automated bi-weekly payment plan. In XX/XX/XXXX, Ditech discontinued their bi-weekly automatic payment plan, so I initiated bi-weekly payments to be paid by my bank without any gaps in payments. All of a sudden, my payments were being applied to bogus late fees that had been accruing without my knowledge. Upon a detailed review of my account payment history, it became evident that principal payments had been applied 3-5 months late. However, the more serious concern is that when I finally got the company to reverse the late fees, 2 payments that should have been applied to principal were instead applied to a future months payment. I have spent many months trying to get this situation corrected, but have been unsuccessful, as their customer service department / call center makes it nearly impossible to reach the same supervisor on subsequent calls. I truly believe that my issues originated with system updates and that if this has happened to me then this has likely happened to other Green Tree / Ditech customers that were utilizing the company 's automated bi-weekly payment program.
Consumer complaint received 2019-04-18
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WAKEFIELD & ASSOCIATES, INC. (AZ)

I have had accounts hit my credit for hospital bills for my son which I provided his insurance to the hospital the bill is for XXXX I have requested a copy of the bill have not received a copy of any thing also have a few other medical bills in collections that I have also requested copy of bills again not received anything have tried to dispute have also told the on one of the account s the address does not match the address I have lived at for 8 years now also just got hit with another medical bill XXXX dollars I believe not sure for wat have not received any bill for it can't file identity theft cause I don't know the information to do so I was informed some one went into the hospital using my info but when I requested info on it the stated due to XXXX laws they can't provide me the details of the account
Consumer complaint received 2023-07-20
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: EQUIFAX, INC. (NJ)

i NEED YOU REMOVE SOME INQUIRY 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC (CA)

So in XXXX to late XXXX of 2017 I received a mail notice pretty much saying i qualified for loan through this mobiloans website. I live in California and was going through financial issues so I figured that this would help relieve some of the burden of expenses that kept building. So I applied for loan and was given credit line of XXXX I believe, and every two weeks they would deduct money out my account to go towards what i loaned. However what I didn't really pay attention to was the amount of fees that my payments were going to rather than the amount that I borrowed. Every two weeks I make payments because it comes out of my account automatically and I borrow here and there but after doing the math of how much I have borrowed ( XXXX over time XXXX ) and how much I have already paid back ( XXXX ) I have paid back over XXXX in just fees which is a complete scam. I still have a balance of XXXX but current principal balance of XXXX ( which is amount of money i actually owe ) but with the fees they tack on every two weeks 60-80 % of my payment goes towards fee and the remainder towards the actual principal balance. I have been paying this balance down ever since I pulled but this is getting ridiculous and probably is illegal to tack on fees every two weeks that a payment is made. I am not really sure what to do in order to resolve this but this is definitely a setup to pretty much never be able to pay off the amount of money borrowed and if I'm not mistaken I believe its illegal to charge over certain amount of fees when issuing payday loans which is what I have.
Consumer complaint received 2019-04-18
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (WA)

Unethical Bank - DENIED me access to my CD and savings account online unless I agree to " paper statements ''. 

Forced to telephone to get access to online account. Then person claims can agree. 
Dishonest to deny full-time access to online account. 

Representative did not know when account would allow me access but would send request to not select paperless option. 
Still account access my {$250000.00} account. 

Second problem : Highest CD withdrawal penalties in the nation at 270 days. 

MY goal : Leave this dishonest institution when my CD is UP! 

" Withdrawing Your Electronic Acceptance of Documents You understand that you have the right to receive Documents in paper form. You can request paper copies and/or withdraw consent by contacting us at XXXX ( XXXX ). 
Any withdrawal of your consent to receive electronic Documents will be effective only after we have a reasonable period of time to process your withdrawal. If you withdraw your consent, you may not be able to use certain online functionality with respect to your Products or complete actions with respect to your Products online. ''
Consumer complaint received 2023-06-10
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 first 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 records 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. 
XXXX XXXX XXXX Balance - XXXX XXXXXXXX .... Balance - XXXX XXXX XXXXXXXX XXXX XXXX. Balance - {$970.00} XXXX XXXX XXXX Balance XXXX XXXX XXXX .... Balance - XXXX XXXX XXXX XXXX .... Balance XXXX {$970.00} XXXX XXXX XXXX Balance - XXXX XXXXXXXX ... XXXX Balance - XXXX XXXX XXXX XXXXXXXX .... Balance - {$970.00} XXXX
Consumer complaint received 2019-04-19
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)

I was advised to contact you guys regarding some things on my credit that is not mine. I went to the XXXX dealership and test drove a XXXX. I really need a car so I went home and checked my credit report just to make sure my score was ok. While doing so I noticed a couple of items on my credit report that are not mine. I have contacted my local police and the FTC. I need these items deleted from my report. XXXX, XXXX, THE BUREAUS, XXXX, XXXX, XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2020-12-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SLM CORPORATION (WA)

On XX/XX/XXXX I mailed priority mail 2 cashiers checks to my bank, at their XXXX, Illinois post office box as directed by XXXX, one of their customer service representatives. 
The envelope with the checks was received on XX/XX/XXXX, and confirmed by myself and the bank via the post office tracking number. 
Checks were not deposited into my money market account, in a timely manner so I began calling to find out the status of my deposit. I have called several times, spoken to several reps at the bank, finally spoke to XXXX who issued what they call an activity report, case. 
Was told by XXXX, that all the mail delivered on the week of XX/XX/XXXX to the bank, was sent back to another location at the bank, and were redirected to their post office box on XXXX, which meant they would not be picked up until XX/XX/XXXX. 
Spoke to XXXX on XX/XX/XXXX, told they were being processed give it more time. 
Spoke to XXXX on XX/XX/XXXX, and was asked to mail a copy of the cashiers checks to the department that was handling the activity case, which I immediately did. 
Spoke to other reps in between and was told to be patient, because of covid they were working from home, and the fraud department was handling the pick up of checks. 
Spoke to XXXX on XX/XX/XXXX, because I was denied the ability to speak to XXXX one of their supervisors, he was busy, and would call back in a day or two. He apparently contacted XXXX, who called and after several calls back and forth was told that the checks were apparently lost, to put a stop on them, and get new cashiers checks. 
That would be fine and well, but I did not purchase these checks, it was payment for a legal settlement that was finally settled and the purchaser does not want to stop and re-issue the checks. I contacted my lawyer today XX/XX/XXXX, so he can call the other attorney and see what can be done. 
I have gotten nothing but the run around from these people, other than XXXX, who was been as helpful as he can be based on his position with the bank. 
This is causing me financial problems, but unneeded stress. 
I need to get this rectified as soon as possible.
Consumer complaint received 2019-04-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2019 a debt collector went to my house at around XXXX XXXX  and pounded on my door until my XXXX year old daughter answered. He demanded to know if I lived there and said he had a package for me. She said she was scared and reluctantly opened the door at which time he pushed papers at her and walked away. The paperwork said capital one is suing me.
Consumer complaint received 2022-07-16
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. (NY)

Please see attached Identify theft report, I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile. 
All 3 credit bureaus have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2019-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

XXXX recently refunded a purchase I made to my Chase credit card. The card the money was returned to was closed by Chase last year. I have reached out to Chase to request this money be returned to me, however, they refuse to look into the matter. They have only sent me canned responses for over a month now, stating they will " get back to me within 6 business days ''. Every single time I reach out, they say the exact same thing - even though it's been close to 25 business days since I requested the help. Chase needs to return this money to me immediately.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (AL)

i have XXXX account and department of education closed student loan accounts on my credit report prifile and i need them removed because they are causing me financial hardship and lively hood damage to my life.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX  XXXX Balance Owed : {$440.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$60.00} ; XXXX  XXXX XXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}.
Consumer complaint received 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (TX)

This is for all three big business bureaus XXXX, Experian, XXXX. Has contacted me now on Plenty of occasions regarding information with my name, address, telephone number, a play, personal information, and accounts have been compromised. They are they are still using my maiden name XXXX access information open accounts in my name. They have student loans have been on deferred and that are being paid off all my status which is affecting my credit and not able to get anything in my name play XXXX XXXX are like heads regarding house in the car because of the high loan raid that should be on there because again I'm in school at 10 and XXXX and all of them have been paid off on time. My lawyer XXXX XXXX  has spoken to them regarding and they said they're going to remove it and now I am contacting them each again to get it moved. They are not security my account at this supposed to and still information still going on the blackweb. Being alerted about. All they're doing is XXXX managing and catching defects here and there Play Still allowing accounts to be opened in my name in the choir he's to be over thirty a day. I haven't seen on the phone for two hours each day trying to get in touch with them in order for them to take off the fries in order for them to monitor of my account and for them to honor their I do need to have fall asleep back it and if so I can fill out and receive the conversation that I deserve I have not received any information I have not been able to get through anyone and my credit is going down. Which allows me not to be able to get any loans during this time this afternoon at the time where they're telling us if that's what's going to help us and I'm going to be able to do that due to to get streak app credit companies they have information on their claims that has not been mine that I disputed that I have the proof that wasn't mines and it's still on there affecting my score. They stated that they just they send me a letter regarding Experian had and it did this in town the XXXX I have not received it yet I have a membership at Experian and XXXX  that I pay out of my own money each month for a boost and formica promote it properly and I'm still didn't tell him where I didn't say who is IRS IRS and Social Security
Consumer complaint received 2019-04-03
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: EQUIFAX, INC. (FL)

I have disputed the late payment accounts for months. Equifax refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP XXXX XXXX XXXX
Consumer complaint received 2018-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AFNI INC. (CT)

AFNI XXXX XXXX XXXX  XXXX XXXX IL XXXX XXXX The above entity has fraudulently made claims that an old cable utility account ( XXXX XXXX ) is only 1 year and 3 months of age and therefore derrogatory. The account was opened and closed 8 years ago and has passed the statue of limitations. This is the second time this company has attempted to illegally collect on this debt and fraudulently report an incorrect age of the account in an attempt to extort money and damage my credit rating. Also, I have received no written notification and none of my attempts to contact the company have been successful. Neither calls nor written letters have been returned. I only discovered this report when I noticed my credit score sliding through a banking application.
Consumer complaint received 2019-02-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

XX/XX/XXXX I was informed by Navient that my student loan was not eligible for reduced repayment options without refinancing. I refinanced and applied for a income driven repayment plan. I was informed that my account would remain in forbearance until XXXX so that the IDR plan could be processed. 
My first IDR request from XX/XX/XXXX was not processed by navient. 
I applied a second time. On XX/XX/XXXX i was informed that i was in repayment and had a payment due XX/XX/XXXX, 13 days later, with a repayment amount outside my ability to pay. 

i called again, and was told that my payment would be moved to XX/XX/XXXX and to reapply for an IDR plan. 
i reapplied, however, my payment forbearance request was not processed and i was stiill shown as past due for XX/XX/XXXX. 
ive just called Navent 3 times, and been disconnnected 2. According to Navient, the agent who took my call the last week of XXXX did not process any of my requests. 

Its very hard to resolve when the agents at Navient do not process requests. its very hard to resolve repayment issues when the information that agents provide is not reflected in the online activity.
Consumer complaint received 2019-04-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (IN)

I didn't know about deferred interest on account I paid the interest they charged on account I could understand accrued interest for XX/XX/XXXX until XX/XX/XXXX of XXXX but not accrued interest XX/XX/XXXX til XX/XX/XXXX and deferred interest of XXXX and XXXX this sounds made up. It's funny that overpayment is exact amount of overpayment no more no less. They should have given me a chance to pay deferred interest during life of loan. I paid all late fees when I had to at times before this last year.