davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (CA)

This all ocurred through Citibank Wire Transfer Services. The case number assigned by Citibank for this incident is XXXX Intiated international wire transfer of {$1000.00} ( converted to XXXX New XXXX Shekels ) to daughter in XXXX on XX/XX/2020. Found out I had wrong XXXX # but correct XXXX XXXX. 

Amended wire transfer on XX/XX/XXXX. At the time of amendment, Citibank representative confirmed the new XXXX number I gave. 

XX/XX/XXXX - Received letter of confirmation about the amended wire transfer XXXX the one from XX/XX/XXXX XXXX but XXXX number was wrong - not the original wrong one from the XX/XX/XXXX event and not the new information provided and confirmed on XX/XX/XXXX. 

On XX/XX/XXXX - contacted the bank again and we corrected the XXXX number ( again ). Promised money would be available to Recipient no later than XX/XX/XXXX. 

XX/XX/XXXX, received another letter from Citi confirming the XX/XX/XXXX amended transfer information. All correct and we forwarded to recipient so she could track with her bank. 

XX/XX/XXXX, contacted the bank again because recipient was told by her bank that they had no record of the transfer. Spoke to supervisor, Requested a cancellation of the wire and that all the money be returned to our account. XXXX explained the process for requesting the return and confirmed that the transfer went through to Citibank 's subsidiary in the country XXXX Citibank XXXX XXXX and so the breakdown in communication appeared to be with the Citibank office in XXXX XXXX.. XXXX promised to investigate and call me back with an update on Friday, XX/XX/XXXX. 

XXXX XXXX, as I write this I have not heard from XXXX at Citibank with the promised update. It is currently XXXX in her time zone.
Consumer complaint received 2021-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

On XX/XX/2021, we submitted a {$2600.00} mortgage payment to Mr. Cooper Nationstar. This is our regular monthly mortgage payment.This is a ONE-TIME payment each month. 

On XX/XX/2021, at XXXX XXXX, according to XXXX XXXX records, Mr. Cooper submitted THREE more mortgage payments to our bank XXXX XXXX They ILLEGALLY took out {$7800.00} from our bank account, causing our account to be overdrawn. 

On XX/XX/2021 at XXXX XXXX, I called Mr. Cooper. They said " It's not our fault. It's XXXX XXXX XXXX fault. We can not help you. '' I then called XXXX XXXX, who told me that it IS Mr. Cooper 's fault, and we have to work with them to get our money back. 

At this point, Mr. Cooper owes us {$7800.00} and they won't return phone calls or messages via social media. 

They ILLEGALLY took 4 mortgage payments from my account!
Consumer complaint received 2020-10-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Nationwide Recovery Systems, Ltd (IN)

Nationwide Recovery Systems have absolutely destroyed my credit. For the past 10 years, this company has continuously reported an account for {$790.00} on my credit file. Every time the account falls off of my credit report Nationwide Recovery Systems as reopened it as a new account. This is in violation of the FTC. 


XXXX XXXX XXXX XXXX with XXXX XXXX XXXX has also done the same exact thing for the past 10 years. I have personally disputed these accounts with the Credit Bureaus but I have seem to be not successful with them. This is my last step before I hire an attorney.
Consumer complaint received 2021-11-03
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)

On XX/XX/XXXX we ( my girlfriend and I ) leased a vehicle from XXXX XXXX XXXX Dealership. XXXX of XXXX XXXX XXXX XXXX reached out to us to see if we would like to move forward with an offer where they pay off our current lease and get us into a new vehicle. We accepted and went from leasing our vehicle to purchasing the current vehicle we have with them. XXXX  paid off the existing lease. We were never late on our payments, yet on our credit report, it states that we have an early termination and showing us delinquent. This is affecting our ability to purchase a home. 

We have reached out to XXXX XXXX and got documentation that states we have never missed a payment and were offered a special program the dealership had. I also have a document from the Finance Manager of the dealership stating the details of the offer and we were never delinquent on any payments.
Consumer complaint received 2021-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CA)

On XX/XX/XXXX I contacted Loan Depot regarding my PMI and escrow account as I wanted to cancel them. Market values have increased so I wanted to discuss my options. 

Spoke with XXXX XXXX a customer service team lead from Loan Depot. She assured me she would escalate the request. 

On XX/XX/XXXX I follow up, I speak with XXXX XXXX, a customer service representative from Loan Depot. He once again assured me and says that XXXX didnt know how to handle my request. 

After several other calls to Loan Depot and XXXX ( there servicing company ) several representatives tell me that the PMI does not have a phone number or an email. There is no way to contact them to discuss my options as a consumer. 
Today, XX/XX/XXXX, I receive an email regarding the options regarding PMI cancellation. I contact XXXX and speak with representative XXXX Id XXXX. He proceeds to tell me that my loan doesnt qualify based on the notes, but tells me the PMI department doesnt take calls. 

I then ask for a supervisor, he refuses to transfer me. He refused to tell me what city his office is located in. 

This lack of transparency is concerning as a consumer. I am asking for help in this matter.
Consumer complaint received 2022-09-13
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (IL)

Rocket Mortgage pulled my credit without consent and now refuses to reverse the inquiry and will not share the many voice recordings justifying my claim. I was told by XXXX XXXX and XXXX XXXX that it would cost Rocket " XXXX  of dollars '' to reverse the inquiry. 
I have reached out to XXXX XXXX ( General Counsel as least 12-20 times with no response
Consumer complaint received 2023-07-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

Dear PayPal Support, I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account XXXX. I believe that this limitation is a result of a mistake and would like to bring the following points to your attention : Mistaken Limitation : I strongly believe that my account was mistakenly limited. I have been a loyal and responsible PayPal user for several years, and I have never engaged in any activity that violates PayPal 's policies. It is disheartening to find my account limited without a clear explanation or proper investigation. 

Compliance with PayPal Policies : Throughout my usage of PayPal, I have always ensured strict compliance with your platform 's policies and guidelines. I have never been involved in any fraudulent or unauthorized transactions, and I always strive to maintain the highest standards of integrity in all my PayPal transactions. 

Request for Re-investigation : I kindly request PayPal to conduct a thorough re-investigation of my account 's activity. I believe that upon closer examination, you will find no violations or irregularities associated with my account. I am confident that this re-evaluation will demonstrate my adherence to all PayPal policies and restore my account to its fully functional status. 

I understand that PayPal has a duty to protect its users and maintain a secure platform. However, it is equally important to ensure that actions taken are based on accurate information and justifiable grounds. 

I am kindly requesting a prompt review of my case, as I heavily rely on my PayPal account for various personal and professional transactions. Restoring my account would allow me to continue utilizing PayPal 's services efficiently and securely. 

I sincerely appreciate your attention to this matter and your commitment to resolving account issues fairly. Please feel free to reach out to me if any additional information is required for the investigation. 

Thank you for considering my appeal. I eagerly await a positive resolution to this matter and the reinstatement of my PayPal account. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

All three major CRAs Transunion, XXXX and XXXX unlawfully reported personal non public information without permissible purpose violating 15 U.S Code 1681 ( b ) Permissible purpose : ( 2 ) In accordance with the written instructions the consumer to whom it relates. I did not and do not consent to the reporting of this non public personal information which is a clear violation of the FCRA. Also P.L 90-321 ( 82 Stat. 146 ) that states you can only make reports without my written instructions to head of state or local child support agencies. XXXX is also violating section C of the code : Requirements relating to information contained in consumer report. ( b ) No Consumer Reporting agency may make any consumer report containing any adverse item of information other than records of convictions of crimes. XXXX, et al transaction and experiences between consumer and Credit card companies without my wriiten authorization XXXX XXXX al, used my personal, private information without my knowledge or consent, and according to 12 U.S Code section 1022.3 Identity theft is a fraud committed using the identifying information of another person without authority. Anything added to my consumer report without my written authorization is identity theft. Lastly, XXXX et al, is liable according to 15 u.s.Code 1681n- Civvil liability for willful noncompliance. ( a ) in general -any person who willfully fails to comply with any requirements under this sub chapter with respect to any consumer is liable to that consumer in an amount equal to the sum of : any actual damages sustained by the consumer as a result of the failure or damages to less than {$100.00} and not more than {$1000.00}. ( B ) - in the case of a liability of a natural person for obtaining a consumer report under false pretenses or knowingly without permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. XXXX, knowingly and willfully violated my rights and caused harm to me causing me to not be granted credit and lowering my credit limit by reporting adverse personal information.
Consumer complaint received 2023-07-31
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. (FL)

Despite multiple written requests, these unauthorized inquiries listed below continue to report on my credit report in violation of federal law. These inquiries must be deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

THE CREDITOR WAS CONTACTED AND MADE AWARE THAT THE REPORTING OF THE ACCOUNT WAS INACCURATE AND IS CAUSING DAMAGES TO MY CREDIT REPORT. THE LATE REMARKS XXXX   2020, XXXX 2020, XXXX 2020 2020
Consumer complaint received 2020-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (CA)

After the death of my mother on XX/XX/2020, I started being contacted by Chase bank for payment of a balance of an overdraft protection account in my name. This was the first that I learned that my mother had stolen my identity to open the account when I was approximately XXXX. When I informed Chase that was a fraudulently opened account they did not transfer me to fraud claims. They told me tough luck, it didnt matter if I didnt open the account or that it was opened through identity theft when I was I minor. They told me that since I had recently turned XXXX, I was responsible for the fraudulent account and needed to make payment arrangements or they would report me to collections. They tried to coerce me repeatedly into assuming fraudulent debt. They even told me that I should just pay it even if it wasnt mine or they would keep calling and reminding me of my mothers recent death.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

on XX/XX/2024 i requested with all three CRAs that i have been a victim of identity theft, filed a FTC report by law and submitted to them. per FCRA all information should have been blocked and deleted within XXXX business days of receipt. Today it's the XXXX of XXXX and have not heard anything from them concerning my request. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2021-09-13
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. (FL)

I like to file a dispute for fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. I have attached a copy of the ID Theft Report with this complaint. The report number XXXX. Please review.
Consumer complaint received 2020-07-20
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Monterey Financial Services LLC (MA)

I had a loan amount taken for XXXX which was paid. I owed less than XXXX dollars in the account and the company never called or contacted me to make me aware of my balance. Now they are charging me over 120 % in interest and I owe more than the original loan amount. I called to settle the account and was told I would be called back and never was contacted. I reached out on several occasions and they refuse to settle the debt with me, which is negatively affecting my credit score.
Consumer complaint received 2021-03-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (WI)

I believe that the bank is purposefully withholding funds from our deceased parents checking and savings from being rightfully distributed to one of the three beneficiaries. As the estate representative I am unable to close these accounts and place them into the estate account. If this would be possible I as the estate representative would be able to write a check from the estate account and pay my sister the third beneficiary her! /3.
Consumer complaint received 2018-06-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (NC)

New reporting from Enhanced Recovery Company on credit for debt with XXXX XXXX. Have reached out to XXXX XXXX multiple times and every time I have called they have no record of prior phone conversation. Disputed debt with ERC. I had tried to cancel service with XXXX XXXX 3 months prior to getting it turned off. They had charged for the equipment which was returned. They placed the debt with a different collection agency which was disputed as well. I was told I would hear back from them if there were any problems. I heard nothing. This new collection agency stated that XXXX XXXX would have had to notify me prior to them taking the account in XX/XX/XXXX. I did not receive information. The costumer service at XXXX XXXX is never able to help me and every time I call I am on the phone getting changed between departments for over 30 min or the call some how gets dropped. I have not had proper communication or notification about this debt and have tried to resolve the problem over the last year.
Consumer complaint received 2020-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (VA)

Chase is helping its clients with COVID 9 impacts, by providing an electronic method of deferring payments due to COVID-19. 

My account is closed, closed by Chase, even though no payments were missed. 

My wife lost her income due to the Pandemic. Chase is stalling assisting me, telling me to click the online link, they did this two times. 

When I told them they closed my account, and the system is not setup to handle this scenario, they then finally told me to call. I tried on four ( 4 ) separate times to contact them, but unable to get through. 

I requested to be escalated to Office of the President, and they refuse to contact me directly.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2024 I called XXXX XXXX XXXX and spoke to the Rep XXXX I believed, and this account is not mine. They do not have any contract or anything that states this account is mines. I request this account to be removed immediately or I will seek legal action and reimbursement for financial damages that this will cost me from the company and credit bureaus that is reporting the fraudulent account on my credit report.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I reviewed my consumer report and noticed that i has XXXX late payment on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. i have never been late on payments the the account that i have included photo inside the complaint in on dates of ( XX/XX/23 ). Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided i demand these late payments be updated to as agreed on time as they should be due to the fact i was never late. Thanks please see picture attached
Consumer complaint received 2021-11-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I Have sent multiple letters dating back to XX/XX/2021, and XX/XX/2021. I have yet to receive a response about my investigation in a timely manner. I have recently sent another letter regarding this manner on XX/XX/2021 and had this sent via certified mail from the Unites States Postal Service requesting changes to be made to my credit profile because they failed to respond to me at all. I feel as if i my request werent taken seriously and i was ignored. Ultimately i want the inaccurate information that is reporting to my credit profile removed. I have made several attempts to resolve this matter. Equifax needs to be held accountable for neglecting my request by not responding to them at all. My credit profile affects my life in the real world, and is causing me difficulties closing on a home.
Consumer complaint received 2021-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TN)

This is not my debt!! This is due to Identity Theft, I have already contacted this agency several times to remove this account from all three credit bureaus as well as cease and desist all collection efforts. I plan to seek litigation against this agency as well as the creditor due to the effect this has on my credit and will seek punitive damage.