davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

i have been in contact with my lender Shellpoint regarding assistance with my home for quite some time with no results. They have repeatedly given me problems such as losing my documents, losing 3rd party authorizations, and at the end, refusing to request a figures for me to try and keep my home. I reached out to Shellpoint regarding a payoff and have been refused this info.. I was told they cant provide me estimated figures and Shellpoint also refused to order me one. That is their obligation to me. I am in default and in the process of getting a new loan to pay back ALL monies owed to Shellpoint as well as the foreclosing attorney/trustee quality loan. I stated to Shellpoint what my intention was, and they were of no assistance to me. I finally got the APPROVAL DOCUMENTS and now am being told by Shell Point that they do not even want to see the approval. That they do NOT want the money that is owed to them. I spoke to the SPC XXXX XXXX and she stated to send in the approval and that she would order a fresh pay off. It appears that XXXX XXXX was just giving me the run around as I sent the approval and now other Shellpoint employees are telling me otherwise.. I am getting contradicting info from every rep that I speak to. I have spoken to countless reps within Shellpoints institution, including supervisors, and no one has done anything to assist me. ( XXXX XXXX x XXXX was completely rude, Supervisor XXXX XXXX stated that they will not postpone even with an approval, XXXX XXXX x XXXX stated that she WOULD place the pp request and then came back and said she was told she couldnt place it ) I have been given the run around, transferred countless time, and disconnected on. I truly believe Shellpoint is discriminating against me and my family based on my race, ethnicity, and national origin, and that they prefer for me to lose my home instead of giving me the opportunity to keep my home. There is no tangible reason why they would not assist me with the steps needed to prove to them I was getting a new loan. I am requesting a pp of my sale date so that the loan can close, and all parties can be paid. It doesnt make sense that Shellpoint is refusing to have the debt paid off in full.I called the trustee/ Attorney and stated that I have the approval and requesting them to assist me and they stated they can't. They stated I need to deal directly with Shellpoint. I am demanding my sale date be postponed or I will move forward naming Shellpoint and Foreclosing Attorney XXXX XXXX XXXX as defendants in Civil Court.
Consumer complaint received 2019-01-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX)

I have used moneygram before. I was trying to send money online and the agent told me in a chat session that my account was frozen and I would have to go to a store to do the transfer. I ask why it was frozen and she said they would not tell me. In addition, she said once it was frozen I could neve send money online again. I think I deserve to know why they are penalizing me since I have a perfect credit score.  This just does not see like it should be legal.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My social security number was CHANGED in XX/XX/2022. After this change was made by the XXXX, they had provided a notice to me, explaining why such a change was made. 

I have conveyed this information to all the XXXX credit bureaus ( Transunion, XXXX and XXXX ), my credit card agency - XXXX, my bank ( XXXX XXXX ), as well as all my brokerage accounts. 

However, whenever I try to access my credit reports from https : //www.annualcreditreport.com - after providing my name, DOB, SSN, Address - I do not get to see any of my credit reports or the credit scores.
Consumer complaint received 2019-09-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (MO)

On XX/XX/XXXX I was contacted by my loan officer due to me trying to purchase a home and was informed that a credit card from XXXX XXXX XXXX XXXX was on my credit report with a balance of {$460.00} that was opened in XX/XX/XXXX and closed XX/XX/XXXX. I contact XX/XX/XXXX and informed them that this is not my debt and need to submit this to the fraud department and ask them where did they send this card. They informed me that they sent the card to my current address ; however I never received this card. I then ask them was there an email address or phone number on file they said no. They informed me the debt had been sold to Jefferson Capital Systems which they are sending me an affadavit report because they said they did not receive any Identity theft report from XXXX XXXX XXXX XXXX which I sent to XXXX and XXXX XXXX XXXX XXXX said they had received on XX/XX/XXXX and electronically sent over to Jefferson Capital. Identity theft report will be attached this information as well. I informed XXXX XXXX XXXX XXXX that they are the original creditors and need to investigate and REPORT THIS AND REMOVE FROM ALL 3 CREDIT REPORTS IMMEDIATELY. I have also called all 3 credit bureaus and reported as FRAUD AND PUT FRAUD ALERTS ON ALL REPORTS AND SENT IDENTITY THEFT REPORTS AS WELL. Please Please have them remove this information the account number is XXXX. Also this account was opened after my Chapter XXXX  which I filed in XX/XX/XXXX and they used my maiden name which I have not used since XX/XX/XXXX.
Consumer complaint received 2019-09-10
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: Experian Information Solutions Inc. (UT)

XXXX XXXX XXXX # XXXX is reporting a new collection on my credit report, however I never got any notice for this collection nor did I get my 30 day right to dispute letter. I had no idea this collection existed until it showed up on my credit report. They also have my information incorrect and I am settling it.
Consumer complaint received 2019-09-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (AK)

The loan was paid off when the property was sold on XX/XX/2019. I logged onto Dovenmuehle 's website to disable automatic payments. When I did, I noticed that the balance was XXXX, and the system said my account wasn't eligible for online payments when clicking on automatic payments. 

Because the system was smart enough to not let me adjust automatic payments on a XXXX balance account, and because it was at XXXX balance, I figured that they wouldn't withdrawal payment. I was wrong. On XX/XX/2019 Dovenmuehle withdrew XXXX from my bank account. 

I called to complain, but they say it takes 2-3 weeks to get that refunded, and they will only mail a check. Of course, I'm between addresses, and close on my new house in a week, so it's causing me some serious problems. 

They don't seem to care, they say my issue is escalated and that's it. Nothing I can do.
Consumer complaint received 2022-07-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (IL)

LVNV FUNDING LLC Has reported to the 3 major credit bureaus that I have in collections 2 accounts with 2 different amounts and stating that they were opened on 2 different dates. One is alleged to have been opened on XX/XX/2021 with the amount of XXXX past due, and the other is stated to have been opened on XX/XX/2021 with the amount of XXXX past due. And both theses debts refer to the same card issued by XXXX XXXX XXXX. Neither account is correct. There were not 2 different debts owe on the 1 card.
Consumer complaint received 2021-09-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (AZ)

I have a HELOC with them as well as my original mortgage. 

Sometimes when I have extra money, I pay it toward my mortgage, making an OVERPAYMENT. Dovenmuehle Mortgage is placing all my overpayments into a suspense account. They will not apply these funds to my mortgage. Instead, they are using the funds for their own benefit. 

I have spent hours on the phone trying to resolve this. Their reps don't even know what a suspense account is and they don't care enough to find out. When I ask for a supervisor I am always told they are not available but will call me back. I've never been called back. This is just a ploy they use to get you off the phone without resolving your issue.
Consumer complaint received 2019-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion report . This denouncing of themis-reporting/mis-informationaffidavit ( XXXX ) is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2023-03-09
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: Experian Information Solutions Inc. (CA)

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX AK XXXX XXXX XXXX XXXX XXXX Balance : {$49000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$620.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2022-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (TX)

Payment due XX/XX/XXXX Payment made electronically on XX/XX/XXXX Marcus Goldman Sachs credits payment on XX/XX/XXXX and charges {$160.00} interest When I called them last week they entered a dispute claim and emailed me 5 days later saying there was no error. 
Called them today ( XX/XX/XXXX ) and spoke to a supervisor, who told me no dispute had been entered, only a complaint, and then told me she entered a dispute and I would hear back within 90 days. Did not ask me for any information from my credit union. She first tried to tell me it was " trailing interest '' and I informed her that I had overpaid my previous balance by about {$100.00}. I have a confirmation # for the payments from my XXXX XXXX account.
Consumer complaint received 2020-11-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (AZ)

My bank keeps changing their terms of service to overcharge my account by the way of overdraft fees. Wells Fargo charges {$35.00} everytime they assess an overdraft fee. To get Wells Fargo to reverse a charge, they make you call in and navigate their automated phone system. This means wait times. They also recommend that the consumer sign up for text message alerts. 

Yesterday, I received such an alert and within a few hours I transferred the funds to cover the overdraft. Nonetheless, the very next business day, I get another text message, that a Wells Fargo Overdraft fee as tipped my account into the negative. I call WF to get the fee reversed. XXXX, their employee responds and offers me a registry. I insist WF reverse the fee. XXXX offers to reverse half the fee. I insist WF reverse the full amount. She places me on hold and WF reverses the fee. She says this is a one time thing and is not a guarantee that WF will not do this in the future. 

She asks me if there is anything else she can do for me. I suggest her to that WF reverse their policy of looking for opportunities to overcharge their long time customers or even go back to their old policies. She started arguing with me, interrupting me and terminated the conversation. It should not cost me 14 minutes 24 seconds to keep my own money.
Consumer complaint received 2019-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2018 i submitted a dispute to Transunion for XXXX XXXX XXXX  in which i have no idea where this account originated from. I also mailed XXXX  XXXX on XX/XX/2018 to validate this said account. I never received any response from either and followed up on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018, I have yet to received any correspondence in regards to this account.
Consumer complaint received 2019-01-14
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: JPMORGAN CHASE & CO. (CO)

I'm being contacted by Chase Auto Finance to pay an additional {$240.00} for a lease on a car. The final payment was due on XX/XX/18. I was going to be traveling and the beginning of XXXX. I wanted to get the car to a safer spot and purchase a new car before traveling. I talked to the dealership. They said I could drop off the car there but make sure I made my last payment. I made my last payment on approximately XX/XX/XXXX. That was the final of 36 payments for the three year lease. All my payments were made on time. Once I made that final payment, my lease account disappeared from my accounts on chase.com. In addition to that, Chase didn't cancel my automatic payment and charged me for an additional month. I had to reach out to my bank with which I have my checking account, XXXX XXXX, to get refunded for that money because Chase refused to help me with it. Essentially, it feels like I'm being punished for making all my payments and dropping off the car at the dealership instead of leaving it sitting in front of my house. I felt like I was doing the safe and responsible thing. I shouldn't have to pay money in addition to all of the payments that I was required to make and did make on time every month. 

I do not have any documents because Chase has not presented me with any since my lease was terminated. I've only received phone calls.
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (IL)

I have a credit card with Discover Financial, I XXXX of 2022, I called into to Discover, spoke with one of their Account Representatives to make a payment on my Discover Credit Card. The person processed my payment using my standard payment method to make a {$5.00} payment, and they would applied a credit that I had on my account, {$13.00} to make an {$18.00} payment and payoff the outstanding {$18.00} balance on the account. I was told by the AC that the payment was made and the balance was now {$0.00}. 

In XXXX I received a notice from XXXX Credit Reporting Services that my Discover Card payment was over 30-day 's past due and as a result my credit score was reduced from XXXX to XXXX. I immediately called Discover to report the error. I spoke with another Account rep who told me that they made an error and that the payment, the credit portion of {$13.00} was never processed and so they reported the account as over 30-day 's past due. I explained that the error was on them and the account should have never been reported as 30-day 's past due. I told them that they needed to contact all three National Credit Reporting Agencies, XXXX, XXXX and XXXX to correct the error. They told me there was nothing they could do. I also told them that I was in the process of refinancing my home and that the error would cause me to lose the low interest rate that I had been approved for and result in me having to pay thousands more in interest cost. They told me there was nothing they could do. 

I then contacted the Corporate office for Discover. I spoke with an gentleman named XXXX. I explained the situation and the damage their miss reporting had caused me. XXXX agreed to look into the situation, and told me that yes, they had miss reported the payment history. He told me that they would investigate my complaint further and respond with their findings. A month or so later I received a letter from XXXX, The Executive Office of Consumer Advocacy saying that their investigation was complete and that they reported the account in error. It also said that the would send the updated correct payment history to the Three National reporting Agencies. I then explained to his that as a result of their error resulting in a significant drop in my Credit Score that I lost the low interest rate that I was being considered for and had to cancel my application. Interest rates shot up and I lost the opportunity to refinance at a low interest rate costing me thousands in additional interest cost. 

I'm seeking monetary dames from Discover resulting for this error. They took a very cavalier attitude relative to correcting this error. Over a month went by before they made any effort to correct the error even though I told them what was at stake.
Consumer complaint received 2020-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

This is in regards to XXXX XXXX  unlawfully resubmitting a closed account under a new account number in which they themselves closed and reopened. The action I want taken is it completely scrubbed from my credit history the fraudulent information. The account started in XX/XX/XXXX and closed on XXXX of XXXX by credit records. When it was opened the amount was {$44000.00} and when it closed it was at {$6000.00}. XXXX closed the account as of XX/XX/XXXX zeroed out the remaining balance reporting that I was no longer under obligation for this account. Then they reopened the account under another account number and resubmitted it to all credit bureaus. I reported to the credit bureau a dispute of the fraudulent activity and an investigation has begun. The investigation by XXXX XXXX was XX/XX/XXXX and by Equifax XX/XX/XXXX.
Consumer complaint received 2021-07-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation (FL)

They did not send me any initial communication alerting me of this debt. Please be advised, I dispute the validity of the alleged debt in its entirety. 
Further I request verification of the alleged debt, including, ( 1 ) the name and address of the original creditor, ( 2 ) copy of the oral or written request or application for the alleged account, ( 3 ) copy of a signed contractor signed agreement with the alleged original creditor, and ( 4 ) previous 12 months of statements of account. They are illegally attempting to collect an alleged debt and money that I do not owe. 
As per the law, including the Fair Debt Collection Practices Act, cease and desist all collection activity, including all credit reporting activity. 
Promptly request deletion of any prior credit reporting to credit reporting agencies.
Consumer complaint received 2019-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (PA)

I opened a checking and savings account with Citi to receive the {$400.00} promotion. Per the terms, I had to maintain a total of {$15000.00} combined in checking and savings account, so I deposited {$14000.00} in savings account ( which pays interest ) and {$1.00} in checking account ( which doesn't pay interest ). 

I just received an email from Citi that I did not qualify for the bonus because I didn't maintain the required minimum of {$1500.00} in the checking account. But they just changed the terms to require {$1500.00} in the checking account. When I opened the accounts, there was no minimum, just a combined total of {$15000.00} in both accounts - per their web site and per the customer service rep I spoke with. 

In reading the XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX it is obvious that Citi has cheated other customers in this way ( see comments at the bottom of the page in the link ) Please help me get my {$400.00}.
Consumer complaint received 2019-01-14
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: Franklin Collection Service, Inc. (IL)

This account is an unauthorized account. This is a fraudulent account, I never authorized the opening of this account nor did I open it or give anyone authorization to use my name. I am in the middle of a major commercial transaction and I am unable to move forward as a result of Franklin Collection Services placing this collection account on my credit report. 
I spoke to them and they informed me that they can not remove it from my credit report until XXXX XXXX XXXX performs its investigation. I find this hard to believe that my credit is being held hostage as they investigate an account that I had nothing to do with and Ive informed them of this. To put more to it, I NEVER received any written notification of this debt because it was fraud and they used the fraudulent address for mailing. 
I am politely asking that this account be removed from my credit reports until they are able to figure this out.