davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (NY)

I was a loyal consumer of XXXX XXXX for over 15 years. Whenever I called to speak to someone I and it seemed the customer support person as well were having language difficulties. The worst was that they would put other peoples charges on my bill and when Id catch them I would call to have them removed. I got tired of this and decided to try XXXX in XXXX. XXXX paid {$250.00} for the switch which I paid to XXXX. I have never received a call or a bill from XXXX after I paid the {$250.00}. I had my credit report pulled recently and XXXX has reported that I owe them {$140.00} through Diversified Consultants. I had never received any notification from this company about this alleged debt. I called XXXX to attempt to get an explanation of the {$140.00} they say is owed. The Customer Service Rep kept asking me what was the passcode to the question what was the name of the block I grew up on and I told them, but the system would not let him in. He said that the account its either too old or my password is incorrect. Well my passcode is correct I had it for 15 years and I have grown up on only one street and I did not forget that fact. I was transferred to everyone. No one could open this account to tell me why I owe this money. I was eventually told that I the XXXX   stores would be able to open the account but they could not. I went to the XXXX store and they had the same problem and called someone to help and I was told that the account is closed and too old to open. If that is the case, then why would I owe them any money. I have the right to know why I have a bill. I left XXXX owning my phone and so did my son. So we only had bills that was owed and we were not under contract but with only one phone which was my husbands phone that I believe he didn't own. But the {$250.00} pay off should have paid for the phone.. I spoke to XXXX and they said that they would consider paying the debt if it had to do with a contract issue but would need the break down from XXXX. But - XXXX can not open the account to give an explanation. I should not be in debt to anyone who can not prove what it is that is owed. I am looking for them to remove their debt report from XXXX, XXXX, XXXX   and any other agency they reported this to. This was placed on my report XX/XX/XXXX by Diversified Consultants XXXX XXXX XXXX XXXX Fl XXXX - to be removed from my report XX/XX/XXXX. 5 years for {$140.00} is a long time. But I still have the right to know why I owe this money and no one can tell me. 

XXXX XXXX XXXX I am afraid that because it has taking me so long to get any information, that tmobile won't pay since they are now in the process of merging with XXXX.
Consumer complaint received 2019-04-13
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. (GA)

Unauthorized inquiries on credit report were disputed and were not investigated nor removed. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-10-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: PENNYMAC LOAN SERVICES, LLC. (UT)

I have bought my house 2 years ago with a XXXX interest rate. My payment was {$2700.00} a month. Last year they raised my rent {$300.00} a mont to {$3000.00} a month. Now this year they raised my mortgage to over {$400.00} a month. Now my payment is {$3400.00} per month. My property taxes went down I am sure my insurance went up a little not {$6000.00} dollars. Something is wrong and they are not fixing it. At a XXXX interest rate this is not right.
Consumer complaint received 2019-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Unauthorized inquiries on credit report were disputed and were not investigated nor removed. 

XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2019-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

On XX/XX/2019 I deposited {$500.00} into the fith third Bank in XXXX on the corner of XXXX XXXX and XXXX XXXX XXXX, IN XXXX. As soon as the ATM received my money it froze and shut down. I went into the bank to inform them of the situation. I spent an hour with them and the manager had called in and gotten me a refund that was placed in my account several days later. I ended up having to go back home, getting cash, and paying bills due in person and wasting my entire day. A month passed and two days before I have a XXXX XXXX   XXXX, the bank removed the money from my account, draining my funds and preventing me from paying my bills. I called in and had no success with speaking over the phone so I drove to the branch the problem occurred at and talked to the manager. He had no recollection of our previous meeting and said there was nothing he could do and I had to email and reopen a claim. They asked me for a receipt which I never received because the ATM did not produce one when it froze up, and they refused to check the video footage that would've shown me placing the {$500.00} into the ATM. I emailed the claims department and have not heard anything back from them. So my account is still drained, bills unpaid, and I'm laying here with XXXX XXXX XXXX up in my XXXX unable to move from my bed.
Consumer complaint received 2023-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2023 I deposited a check for {$5900.00} to BANK OF AMERICA from XXXX BANK which is my irs refund. The XXXX bank cleared the funds to Bank of America on XX/XX/2023. Unfortunately, its XX/XX/2023 and Bank of America is telling me the funds havent been funded and the check still need to be verified. I have been evicted and currently homeless in shelters with my XXXX kids because I was unable to pay my bills and I even told Bank of America that but they said it wasnt nothing they could do about that. They keep giving me false dates and telling me it would be deposited on that day but havent and keep pushing back the deposit date. I am heartbroken and out of options.I dont recommend depositing check to Bank of America because they will not be able to tell you anything when they hold your money. Please help!
Consumer complaint received 2018-04-10
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

I have held this loan with Ocwen Loan Servicing for over 7 years and have made various attempts in the past to re-finance loan with them and have been consistently told I could not even though the loan is current. Most recently ( 3 yrs or so ago ) in one of out attempts, Ocwen told me to stop paying the loan so that I can modify the loan. I chose not to do that as it would hurt my credit. I continued paying the loan as scheduled. I received a notice stating I could refinance through a subsidiary of the parent company and when I called, was told that if the property was in transit of being sold they could not do anything for 90 days after it is taken off the market. When I called, the young lady I spoke to asked if I had modified this loan since that is what the record shows. I explained that we did not modify despite them suggesting for us to do it. On the occasion I was told to stop paying so I could modify, I was given that advise without them checking my credit etc. The loan was and continues to be current and now I received a notice from the lender raising my monthly payment by {$75.00}. It seems the only option the Ocwen has given me is to default on the mortgage which is not an option. It seems despite the fact I am a good customer and in good standing, I am being penalized.
Consumer complaint received 2023-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

Chase credit card account # XXXX XXXX XXXX XXXX. I had overpaid more then once and they sent me a letter in XXXX of 2023 saying they were going to give my over payment to a government agency. I contacted them and i never got my money but they did charge my a late charge. They did used one of the overpayment check {$79.00} on XX/XX/2023 toward my balance, but there are 3 more overpayment checks chase has. Chase did try to send checks for the overpayment years ago but i never cashed them. i would have to look for the checks. I told them to use the money on my monthly credit charge and they didn't use the money they had of mine and they charge me a late payment.
Consumer complaint received 2022-09-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (CA)

Venmo has held my money for 3 years now and still won't release it to me or let me transf er it out to my own bank I have reached out to them many times I get the same answer XXXX and it been 3 years please help me get my money
Consumer complaint received 2019-04-12
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: BARCLAYS BANK DELAWARE (TX)

spoke with the president of the company and she insisted that this was my name ... address and everything that belonged to me ... .I informed the lady that I was or did not apply for no credit or whatever this was she was trying to say ... .she was very argumentive and did not want to hear anything that I wanted or needed to say ... ... All she kept saying was she understand but it's nothing that she could do because all the information that I had given to her was me ... ..I told her Yes it's me that I am giving because it's my name you are asking who am I ... ... ..but I did not apply for nothing ... ... ..she is very very rude ... .All I am needing them to do is take these hard inquiries off of my credit because I did not ... Imean I did not apply for Nothing ... ... I am not understanding how someone who is saying that they did not apply for this and it can count against them ... ..
Consumer complaint received 2019-04-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Outsource Group, Inc (NM)

XXXX XXXX has been putting Negative reports on my credit. I have never been contacted or had any attempt to prove the debt is mine, or advise what the debt is for. There are 2 debts, one from XXXX and one reported this week- XX/XX/XXXX
Consumer complaint received 2019-04-12
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

The email between tax preparer and tax payor got hacked.

Tax Preparer got an fake email ( pretenting it is from tax payor ) giving instructions for direct deposit for tax refund money from IRS and state into bank account. Fake email contained fradulent account number.

IRS has sent money to fradulent account but with Tax Payor 's correct name.

Even though there was correct Tax Payor 's name, Wells Fargo bank did not match the name on the ACH transfer and name on the account number so just deposited the tax refund money into fradulent account. 

If Wells Fargo matched the name of the tax refund and name of the account like most other banks do, this fraud have been stopped. But Wells Fargo Bank 's LOOSE policy of not matching the name We called Wells Fargo Bank to correct this transaction, ( just returning the money to the IRS ) but no action from them yet.
Consumer complaint received 2022-09-08
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

XXXX mortgage had my principal balance at {$130000.00} XX/XX/XXXX. XXXX changed the servicer to Select Portfolio Servicing. XXXX fraudulently submitted a Modification that XXXX never signed in XX/XX/XXXX. 
I was in XXXX XXXX Bankruptcy in XXXX when XXXX XXXX  submitted their proof of claim as {$130000.00} as my principal balance. Now it is at {$230000.00} with Select Portfolio, please investigate XXXX XXXX for this fraudulent crime.
Consumer complaint received 2023-02-28
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (NY)

On XX/XX/2023, I checked my credit report and noticed that my credit score went down. It was due to a hard inquiry from Comenity Bank/XXXX XXXX XX/XX/2023. However I did not apply for a card on that date. I also noticed Comenity Capital Bank, XXXX XXXX XXXX and Comentiy BankXXXX also had several soft inquiries into my credit on that same day. 

On XX/XX/XXXX, I called XXXX ( XXXX ). They said that no credit card was applied for in my name. So I believe this hard inquiry was done in error. 

I spoke with XXXX who said this hard inquiry would be removed from my credit report but wanted to file a complaint here as well.
Consumer complaint received 2023-02-28
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: DISCOVER BANK (MS)

In the year of 2022 I informed discover that there has been a credit card that has been opened in my name as a fraudlent account, XX/XX/2022 the company opened investgation i did not receive any follow up regarding to the process, the beginning of this year in XX/XX/2022 i called the fraud department after being told that the investgator did not see any fraud on the account when i provided proof that the address is not the same i was staying on campus when the time of the account was open i was attending XXXX XXXX.
Consumer complaint received 2018-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: EQUIFAX, INC. (GA)

Equifax has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2020-01-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Western-Shamrock Corporation (TX)

On XX/XX/XXXX I received a personal loan from Western Finance in XXXX, Texas for {$150.00}. Their address locally is XXXX XXXX XXXX, XXXX, Texas XXXX. Phone number is XXXX. The managers name is XXXX. The district manager 's phone number is XXXX. I do not recall his name, however he did call me after me getting an employee to pass him the message and he verbally confirmed that he received the cease and desist notice. The corporate address is Western Finance XXXX XXXX XXXX XXXX XXXX, Texas XXXX. The customer service number is ( XXXX ) XXXX. 
I made the XXXX and XXXX payments on time, however the XX/XX/XXXX payment did not get made because they closed by the time I got off work for the holiday. On XX/XX/XXXX I had just made it to work and the manager called me and left a voicemail, while checking this voicemail, she contacted my mother and my daughter not giving me enough time to finish the message and remember to call and pay. She continually harrassed them and when I did get her on the phone she stated that she had the right to call anybody she wanted to because my account was late. I then requested that no more calls be made to me or my references and sent over a cease and desist notice via fax to this company. I did not hear from them again until Monday, XX/XX/XXXX. When I finally got the lady on the phone she stated that she was going to continue to break the law and call me because I still owe a balance. I contacted the district manager and he agreed with her and stated that he received my cease and desist letter and the companies attorney advise them to keep calling me, in spite of my request to not be contacted. I also received another call on today, XX/XX/XXXX from the Western Finance company. Please help me in my attempt to make this debt collector follow the law.
Consumer complaint received 2019-04-12
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: Experian Information Solutions Inc. (CT)

I applied for a credit card from XXXX XXXX on XX/XX/2019, Reference number XXXX. 
I received a letter dated XX/XX/2019 from XXXX XXXX XXXX stating that my application has been denied for reasons such as no having enough credit references, etc. 
They provide a phone number that I can get a free report. I call the number but after entering my information it says I do not have a recent denial of credit. 
I have an excellent credit and my credit score is about as high as it can be. This is not the first time I am applying for XXXX XXXX credit card and be denied while having excellent credit. 

I called the XXXX XXXX XXXX located at the address of this letter : XXXX XXXX XXXX XXXX, XXXX, NC XXXX but their system does not allow me to talk to a human. Also I called the credit agency Experian at XXXX and they do not give me any option to report this issue. 
I need help. 

Thanks
Consumer complaint received 2018-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi my name is XXXX XXXX, I am sending you this message in regards to my credit file. I received disturbing news that I have been a victim of identity theft. It comes to my attention that looking over my credit file that your company made several errors along with DEPT OF ED XXXX & XXXX XXXX. I have clue as to what is DEPT OF XXXX XXXX not XXXX XXXX. I am disputing both accounts as fraudulent and I would like for you to perform an internal dispute. I am not liable for the erroneous actions that your company has taken upon my file, I have attached a letter along with some documents in the attachment area. If this situation isnt resolved professionally, investigated internally as a dispute, and a new credit report with the removal of the errors your company added to my credit file. Please read the letter in the attachment area.
Consumer complaint received 2019-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (NC)

In the midst of both cash and credit card fraud by online theft, and telephone threats, I paid through XXXX XXXX upwards of {$1300.00}. plus {$540.00}. through a XXXX charge. XXXX was able to reclaim and reverse the charge to my account housed there in. Yet Chase Marriott has and continues to refuse the remove the fraudulent charges dated XX/XX/XXXX which included the purchase of three XXXX   @ $ XXXXea, and then a shipment fee at a local postage store for {$64.00} for a total of {$2100.00}, still outstanding on my Chase Marriott Visa Account. I have ordered copies of the Statement dated XX/XX/XXXX, which was the first Statement received from that company. Now I have a new account number and a new card, but still these charges have not been removed from my debt. They have become buried in the pile of debt to be collected [ or written off when I die ]. I expect to live quite a bit longer, just as both of my parents who lived into their XXXX 's. So carrying around this bad debt which is not my own is not ethical. That is what I told Chase Marriott again today, when requesting a dispute and removal be done. I was told multiple dates of how long after a debt was charge the account holder had to dispute the debt. It was 118 days from the date the bill was sent, or 60 days, from the date of the charge. I was also told by the Supervisor at Chase Marriott Visa today, XX/XX/XXXX that they did not have access to this statement or these charges. I do and would be more than happy to share the facsimile copy I have kept on file after asking their office for a copy of the XX/XX/XXXX stmt. issued for payment on XX/XX/XXXX. The first statement on the account. There is something very suspicious going on here and I do not intend to pay the defrauded portion of the bill and interest accumulated on it over the last five [ 5 ] years. Please advise Chase Marriott Rewards aka Marriott Rewards, XXXX XXXX XXXX, XXXX, DE XXXX that I want the total amount of charges, plus all accumulated interest to date removed from my account immediately. I know this can be done, since this within this same period of time, The XXXX XXXX charges associated with their own fraudulent activity are being redistributed to myself and others in a large law suit. [ See United States vs. The XXXX XXXX XXXX, Remission Administrator, for those details ].
Consumer complaint received 2019-02-05
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. (TX)

I'm ask the credit bureau to remove fraud inquiry from my report they told me they don't dispute inquirys i need to contact the company and i did the company said dispute it with the bureau so i don't known what to do please help. 

XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from  XX/XX/XXXX XXXX XXXX, XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX I did not open or authorize this account, and I therefore request that it be closed immediately. I am a victim of identity theft, and did not make the charge [ s ]. I am requesting that the items be blocked to correct my credit report.I also request that XXXX/XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XXXX. XX/XX/XXXX {$960.00} XXXX XXXX/XXXX XX/XX/XXXX {$100.00} XXXX/XXXX XX/XX/XXXX {$3400.00} XXXX XXXX XXXX XX/XX/XXXX {$3300.00} XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$450.00} absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.