davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK (TX)

Its things being reported on my credit report that are inaccurate & every time I dispute them they never go away Also I even contacted the companies & they keep saying they are going to remove it but its still on there Which should not be on there because its completely inaccurate
Consumer complaint received 2023-02-10
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: TRANSWORLD SYSTEMS INC (FL)

After receiving a recent copy of my credit report I noticed, a company shown as : XXXX XXXX was reported to my credit report per XXXX XXXX I have never signed any written agreement with them. Nor never heard of them. Upon further research, debtors ' creditor did not verify this collection, also there was NO written form of communication/contract or written signature for this accused debt at ALL. A bill without a ( written ) signature does not validate the debt as anybody can send a bill and say its mine. According to FCRA, this company has violated my rights as a consumer and I'm requesting legal actions to remove this fallacious account to be removed from my credit report immediately!
Consumer complaint received 2021-09-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (TX)

Seller doesnt transfer history when users must update their debit card information. I signed up for Zelle to receive a small payment from a friend a year ago. The transaction never went through and they refunded the sender without ever letting me know. This year my friend sent another payment and my debit card changed since the last transaction which I had forgotten until after she sent the money. Now the rep from Zelle says they will refund the payment because the card changed. Honestly this company is very hard to work with and it seems like a scam. I deleted the app.
Consumer complaint received 2022-07-26
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, Us Dept of EdXXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-07-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-03-09
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: SYNCHRONY FINANCIAL (NY)

SYNCB/PAYPAL, Inquiry : XXXX XXXX, 2020 add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2019-02-15
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. (NY)

i have log into my Experian account and i see that theres a debt collection that i have nothing to do with where the amount is {$1100.00} from a company call ... .... XXXX XXXX XXXX,XXXX Original Creditor XXXX XXXX XXXX  XXXX XXXX XXXX and it gose back all the way from XX/XX/2012. i told the company i dont have nothing to do with this debt and i aslo send a letter to Experian i dont recognized that debt. So please i would like for this debt collection taken off my credit report.
Consumer complaint received 2023-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I recently signed up for a Chase account and on XX/XX/XXXX I deposited a check. I waited the nine business days. The funds were available in my balance. However, a restriction was placed on my account. As instructed, I brought the required documents into the branch to lift the restriction. Without any notification, my funds were taken from my account and placed in a Debit DDA - Check Charge Account where I did not have access. I contacted the executive branch they resolved my issue but I waited around forty days from the time my check was deposited to my funds becoming available. On XX/XX/XXXX I deposited a new check from the same check writer from the same account as the first one. A nine day hold was placed, again. On XX/XX/XXXX the check cleared in my available balance. Then the restriction was placed, once again, and now the funds were taken to Debit DDA - Check Charge without warning. It was stated that in order to remove the restriction Chase needed to contact the check writer. However, apparently the registered phone number to the check writer is not in their database. They were able to tell me the last four of the phone number they were using to contact the writer. After doing some research, Chase wasn't contacting the correct company ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX in XXXX, Ca, ( the check writer ) they were contacting XXXX XXXX XXXX XXXX in XXXX, Ca. Now I don't have access to my funds and I risk getting my bank account shut down among other issues. Chase has informed me that they will hold my funds indefinitely until the check writer is verified.
Consumer complaint received 2021-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (CA)

After my XX/XX/2021 payment, the outstanding principal balance of my loan was {$350000.00}. Based on my amortization schedule that puts me at 77.8718 % resulting LTV %, which means I no longer have to pay the monthly PMI charge of {$100.00}. 

On XX/XX/2021, I called HomeBridge customer service regarding this matter to ensure that the PMI automatically drops off my loan balance as of XXXX, as per my amortization schedule. The agent informed me that customer service doesn't handle PMI matters and gave me an email address to reach out to. Right after I hung up, I proceeded to email XXXX to let them know the above. 

On XX/XX/2021, after 7 days of no response to my email, I followed up with XXXX again. 

It is now XX/XX/2021 and yesterday I received my paper statement in the mail for the month of XXXX, and it still shows the {$100.00} PMI amount due. 

I am filing a complaint here as a last resort to attempt to get a response from HomeBridge. They have given me problems with my escrow balance in the past, as they are very inefficient and uncommunicative.
Consumer complaint received 2021-04-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (MS)

I reached out to CREDENCE RESOURCE MANAGEMENT , LLC @ XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX on XX/XX/2021 about a alleged debt of {$200.00} that i dont owe.As of yet, i haven't heard from them concerning the information i requested them. This is damaging to my credit and stressing me out with this inaccurate item place on my credit report.
Consumer complaint received 2019-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX incorrectly listed an account in my name as 30 days past due. XXXX XXXX fixed the error, and notified the Credit Reporting agencies that is was fixed. It it still showing as a recent past due account and affecting my credit score and ability to get a good rate.
Consumer complaint received 2018-05-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIBANK, N.A. (NY)

I contacted Citibank via phone to make a routine transfer between my accounts. At the time I was told my account was " blocked ''. I later found out it was blocked due to a " XXXX '' review. An email sent to me in XXXX that I did not open requested information. Since XXXX Citibank never contacted me to follow up on the email. They never : sent a follow up email, sent a letter via mail, called me or the additional signers on the business account, They did however hold on to our hard earned money which did not allow me to access funds I needed to make payroll for my 35+ staff. I believe if they blocked my account they should give me my money and close the account - not hold on to it until it's cleared. 

Further, after I submitted requested paperwork and heard it will take 4 days to clear my account NO ONE from Citibank contacted me. Instead I had to contact them on the 2nd day to find out what is going on.
Consumer complaint received 2019-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

On XX/XX/2019 I was attempting to purchase a new car from the XXXX XXXX XXXX and they informed that my Experian and XXXX credit reports each contained a security freeze. While I was immediately able to unfreeze my TransUnion credit report via their website, the Experian report showed it being unlocked on their membership website that they gave to me. On XX/XX/2019 I spoke with XXXX and they still said that it was frozen. When I actually called Experian they said that it was frozen and that I needed a PIN that had been sent to me in the mail at the time of the freeze. I informed them that I never received it and why on earth would they send a PIN that could unlock my credit report through an unsafe delivery system where anyone could take it? Then they wanted all of my private info such as bank statements, utility bills and copies of my government identification to be sent to them via the US Mail and then they would mail me my pin -- again, another chance for some credit thief to get my personal information. When I asked XXXX the supervisor if I could speak to his manager he laughed and refused to help even when I pleaded with him that I had to buy a car to continue to keep my job. Furthermore, he wouldn't say if he was in the US or not and refused to give me the name of the operator who I had spoken with previously even when I said that I was going to file a complaint with the FTC he didn't even care about my situation and was uncooperative. I became very upset and hung up the phone and now here I am. I need my credit report unfrozen and I think that the FTC should fine Experian so that in the future they try to help their customers instead of making it so difficult to deal with them -- especially since they have such a monopoly on the credit reporting industry.
Consumer complaint received 2019-09-08
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Auto Trakk, LLC (SC)

On XX/XX/XXXX XXXX XXXX paid off my car with Autotrakk. Information was sent and check was signed for on the XXXX of XXXX. My vehicle has been disabled by Autotrakk on the XXXX of XXXX and on XXXX XXXX.this has prohibited me from getting back and forth to work. I had to leave my car at the airport when returning from vacation which cost me {$45.00}. I have had to pay {$30.00} per day just to get to work and back home. This issue with Autotrakk has been costing me money as well as mental distress.
Consumer complaint received 2018-05-14
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: Experian Information Solutions Inc. (TX)

I request explanation of the personal information record Experian credit bureau had and the reason why they are selling my personal information without my consent to companies ( XXXX XXXX ) that solicit their services to me attacking me over and over with their letters. 

This information was sold to company outside financial sector. 

The XXXX XXXX refused to take my name from their list of Cremation Prearrangements excusing themselves that next time Experian credit bureau sells them the information about the people with the certain age my name might be there again and XXXX XXXX is NOT going monitor these lists.
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation (FL)

I made payment on a collection in the amount of {$540.00} on XX/XX/2021 and disputed with all 3 credit bureaus. XXXX removed the debt, however XXXX and XXXX updated the comments stated : I still owe a balance of {$26.00}. World Finance the creditor reported a balance of {$450.00}. I have disputed the incorrect of {$26.00} which I do not owe. I have satisfied the balance of {$450.00} which in the previous months were reported due. Also, World Finance updated the loan type to secured which is incorrect. The loan was unsecured and I did not provide any collateral when opening the loan.
Consumer complaint received 2021-07-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (TX)

Currently reviewed my credit history and found charges to Nordstrom Card that I have not placed as well as missed payment for the the balances, contacted nordstrom and they could not explain. The charges and kept directing me to contacts that where not available during the time of my calls and outside my typical availability during the business hours. Did not receive statement but upon review on site realized they charged me XX/XX/31 for unknown items with no receipt, I requested receipt of items not provided then proceeded to charge me for non payment each month going forward.
Consumer complaint received 2018-05-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

I am trying to resolve the matter of delinquent payments on my mortgage with Ocwen Loan Servicing. I had some major health issues and fell behind on my loan. I am now healthy and back at work, and have had a tenant move into my home in order to generate more money that can be dedicated to go to the monthly mortgage payment. The problem is that Ocwen refuses to open a review of my current financial circumstances and is demanding that I reinstate the full past due amount including the late fees and legal fees they have added. I can't get an assigned account manager to work with me and feel that Ocwen is denying me access to programs that should be made available to me. I have owned my home for over 50 years and do not want to lose it. This is an avoidable foreclosure, I have the means to make a fair payment. 

This home has been in my family since XX/XX/XXXX. We refinanced the loan in XX/XX/XXXX and had no issues with our monthly payment. We began having problems in XX/XX/XXXXwhen a wall in our backyard collapsed. There was a major question over who was responsible for the wall repair. We tried to work it out with our neighbor and the city but it turned into a big issue. We ended up getting fined {$6000.00} and were in and out of court dealing with the city inspector 's. We ended up having to pay {$12000.00} in order to rebuild the wall and this caused some financial problems for us. We fell behind on the loan and tried to get Ocwen to work with us at that time. However, we could not make any progress. Luckily we had some resources and we paid Ocwen a lump sum amount of {$14000.00} in past due payments in order to get back into good standing. We kept up with our payment until a little over a year ago when I had some health issues and was not able to work. We thought it would be easy to get caught up on our loan and reached out to their agents to see if we could be considered for a modification or a repayment plan or some type of compromise. The agents at Ocwen refused to allow us to even be considered for any of these programs and we were told the only option was a full reinstatement of the late payments and late fees. I am certain there are programs we qualify for and am puzzled and angry about the way Ocwen has handled our request for assistance. 

Our financial circumstances have dramatically improved. I am still working part time shifts as a XXXX and also receive SSI while my husband was receiving a pension. We sent all of this information in to Ocwen but they dragged their feet, and now, Unfortunately, my husband just passed away. In order to dedicate more money to our mortgage payment we now have a tenant paying rent to us in our home and my cousin is living here and contributing as well. We have more than enough income to afford a fair payment, but the issue is that Ocwen won't give me the time of day.
Consumer complaint received 2019-05-03
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: BARCLAYS BANK DELAWARE (CA)

On XX/XX/2019 I have booked a flight on line from XXXX. The confirmed reservation states that if I cancel within 24h I get full refund. I have verified this information with the company prior to booking. However, XXXX changed my flight reservation within minutes after the confirmation, without my authorization. I called them back within 15 min after receiving the amended reservation ( different flights and dates ) and they told me the flight I have booked on line was no longer available. However, the airline sent me the confirmation. Given the uncertainty, I have asked if there are any charges if I cancel the flight and I was told there is no charge if the cancellation is done within 24h. I went ahead and cancelled the flight within one hour from the changed reservation. However, XXXX went ahead and charged me {$150.00} for the cancellation and another {$33.00} for seat assignment they never assigned with my reservation. 

I have called XXXX multiple times, unsuccessfully. However, the company seem to have scammed many customers the same way they did to me. There are many complaints with FTC and XXXX about this company. XXXX XXXX XXXX On another hand, I can't dispute these charges with Barclays mastercard . Since XX/XX/XXXX I have been calling them on daily basis and I can't get through their Dispute Center. Each time I have waited between 35 to 45 minutes and have been placed on hold. I have asked the Customer Service to open the dispute for me and the answer is they can't do it. I have asked for escalation and Customer Service is telling me no managers are available at this time. I have made 11 calls to Barclays mastercard since XX/XX/XXXX and still I can't open the dispute. I was also told the only option I will have to send the evidence in, is by mail to a PO BOX . The company doesn't offer any on-line uploads and I have seen there are many complaints regarding this, the company stating they don't receive the evidence in order to force customers to accept fraudulent charges.
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

Hello, thanks for your help! 
So On XX/XX/2020 For some reason I have an amazon account charge on my Chase Credit Card. I don't use this card, it's only for emergencies and credit building. About a month ago I was checking my credit history and bam, I noticed that I had a late payment. I went back and looked through and I haven't used the card for years, My only thought is that it's connected with amazon that it somehow used the card for whatever reason. I contacted Chase to see if they could remove the ding on my credit history. They said they couldn't. The thing is I haven't used this card in a long time, Because they partner with amazon and it somehow got charged I figured it would only be fair to take the report off my credit. I paid the amount, thats not the point I just don't want this to ruin my buying a house. It's super unfair, its the only ding on my report and it dropped my score almost 100 points for a purchase I never made! Thanks for your help!