davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

At appx. XXXX on XX/XX/XXXX money via XXXX from my Chase Account was sent to Unique Moore on two separate transaction. Because the service was never provided and the phone numbers that I was in contact with have been disconnected I am a victim of fraud. 
The following are the phone numbers : XXXX - XXXX - XXXX & XXXX - XXXX - XXXX. 
The service was supposed to be tickets to the XXXX XXXX game scheduled for XXXX XX/XX/XXXX. As of XXXX XX/XX/XXXX the tickets have not been sent to my XXXX account as promised by the recipient. A screenshot of my XXXX account that includes the date and time confirms this. Please find it attached. 

I recipients name the funds were sent to is XXXX XXXX. Her phone number is XXXX - XXXX - XXXX. 

I swear under the law this transaction did not deliver as requested. 

Since XXXX, I have been in contact with XXXX, Chase and the XXXX XXXX Police Department to resolve this issue. Case # XXXX was generated with the XXXX XXXX Police Department as they are investigating. Chase has initiated a backorder investigation are attempting to retrieve my funds as a " courtesy '' as the representative put it. 

I have attached all the needful documents. I have included the Please find them attached. 

P.S. I just attempted to call the XXXX number that corresponds to XXXX  XXXX. I called at XXXX today XX/XX/XXXX. A woman answered the phone and confirmed it was indeed XXXX XXXX. I informed her of the above information and that the police are in involved. She denied that she had ever received the money. Of course, Chase Fraud Department has indeed confirmed that the money was indeed sent evidenced by the transaction # 's attached.
Consumer complaint received 2020-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The bureaus not following the laws. They have not provided me with any of my investigation results nor have any changes made.. I have sent out several letters in regards to disputing matters upon my credit concerns.. Please help with assisting me with getting these matters resolved as soon as possible..
Consumer complaint received 2021-05-29
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc. (TX)

Hi my name is XXXX XXXX I have been a victim of identity theft I finally caught some very scared important information and I fear my life this person has gone acres of third partie connection with company involved GoogleXXXXXXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX, I have the vin numbers, my unemployment, credit cards, XXXX XXXX, XXXX, XXXX XXXX devices, XXXX XXXX, XXXX as well, and other websites shared with other people this has tore my family apart financially and emotionally XXXX  already struggling to make ends meet and to come to find out I had a scam watching me and my account social ect, this whole time I have made a police report and I have screen shot from and XXXX and other information that my help this person has been using every single number I have owned my current number is XXXX and thanks to this XXXX  XXXX number I just got with this new low income company I was connected to information that was given to me thank you please contact me for information are email me at XXXX XXXX
Consumer complaint received 2020-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting to remove the fraud alert on my Credit report. I've sent an email about it but I haven't got any response yet from the credit bureaus. Please help me. Thank you!
Consumer complaint received 2021-05-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CA)

My refinance was completed XX/XX/XXXX. My Lender is XXXX XXXX XXXX XXXX California ( c the mortgage company handling my mortgage is Dovenmuehle Mortgage XXXX Inc.. My first payment I made was XX/XX/XXXX. I have been experiencing several issues with the Credit Union ... and Dovenmuehle, as I try to make principle payments. I called CUSC on XX/XX/XXXX, to set up auto pay. After experiencing months of issues with auto pay, I had to manually pay my mortgage and principle. I was locked out of my mortgage online payment in XXXX and XXXX, because it showed I paid my mortgage, and I had not paid. On XX/XX/XXXX, I contacted CSUC when I couldn't make my payment, and a Dovenmuehle representative helped me. The Rep. also, told me she put a note on my payment with the amount for the principle. 
XX/XX/XXXX I called again XXXX to get help to make my payment. Again, I was transferred to Dovenmuehle and had to deal with a reprentative for 1 hour and she was not helpful. She refused to pass me on to a manager. Eventually, she passed me to a mortgage representative who said he completed the transaction. The representative also said, he was sending me a receipt for the transaction. Which I never received. XX/XX/XXXX, I recieved 4 confusing notifications from XXXX. One said, I owed my regular mortgage for XXXX, another said, I owed {$2700.00}, and another said I owed my XXXX mortgage payment? I was very confused!! I looked at my account and found my XXXX mortgage was still in my checking account. I contacted XXXX asked to speak with a manager and I was passed onto a customer service supervisor, who transferred me back to Dovenmuehle. This time I spoke with XXXX who is the manager and he reassured me that he would complete the transaction including add my additional principle. I trusted XXXX because he is the manager and he waived my late fee. XX/XX/XXXX I received a dedelinquent notice from XXXX. I was very upset, and contacted XXXX, who ressured me he completed my mortgage payment, but forgot to complete the principle. 
I believe I have been so patient ... and I honestly I no long trust this mortgage company. I paid {$3000.00} in fees during my closing cost. I would like to get help with getting a portion back, so I can find another mortgage lender. Please provide me with feedback. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2020-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

We have PHH for our mortgage. We pay our property taxes in escrow with this company. 

XXXX XXXX in CA made a mistake with our property taxes last year. Our taxes were erroneously increased ~50 %. PHH raised our mortgage payments over $ XXXX/mth to take care of this " apparent '' tax shortfall. 

We have reached out to PHH. They acknowledge that we have overpaid our taxes. We have been waiting for more than 5 months to get our money back. Everytime you call you get lots of apologies but never a refund check.
Consumer complaint received 2024-02-25
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. (CA)

Dear Transunion, I have been going back and forth with you and the creditors, you claim that these accounts are verified, How? Show me your method of verification. You are NOT conducting a proper investigation to leave inaccurate accounts on my credit file. A proper investigation requires calling and speaking to people not simply parroting information back from the creditors, You are in violation of my consumer rights. These accounts have been removed by your bureau, before in the past and they reappeared on credit file with the same incorrect information. You claimed my disputes are frivolous yet you wont do a proper investigation on these accounts. I have contacted these creditors directly and the information they have does pertain to me, yet they claim it is mine. I am asking for you to STOP violating my consumer rights by reporting these accounts inaccurately and remove these accounts at once
Consumer complaint received 2021-05-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (CA)

This complaint is about the company XXXX ( formerly TransferWise ) which I use frequently for sending money abroad. However this transaction was between two USD accounts. Both accounts are XXXX accounts, that of myself and my sister. 

The fundamental complaint is that on XX/XX/2021 XXXX sent XXXX to an account without confirming the name on the account matched the account number. I had mistyped in the account number ( transposing the last two digits ) of my sister for whom the money was intended. Thus the funds went to an account with a name which did not match the number. 

Note that : ( i ) The receipt I received on both the phone app and the website indicated the transfer had gone to the right place - ie they contained the name of my sister. Only the emailed receipt ( which I would not normally check, but happened to see within a few minutes ) contained the name of a person XXXX XXXX who is unknown to me. Thus a secondary complaint consumers might be concerned about is that this process has leaked the name and account number of a customer of theirs. 

( ii ) Both accounts ( sending and receiving ) are accounts with XXXX. So they clearly have access to the relevant information. 

( iii ) Because both accounts are with XXXX the transfer happens instantly. They proudly announce this fact to you. When XXXX sends money to an external account it takes time and you can cancel the transfer if you notice such an error up until the time it has actually happened. Therefore the onus should be on XXXX to at least confirm instantaneous details to which they have instantaneous access if they are going to transfer instantly. 

( iv XXXX XXXX does ( presumably by law? ) confirm names on accounts for many transfers because there are varuous things ( daily limits etc ) which are different when you are transferring between accounts in your own name versus ones in other names. 

( v ) XXXX had asked for access to my contacts, and therefore could find my sister 's account via that mechanism ( which presumably would then have the correct account details ). There is no way to identify within the app whether the person you are sending to is someone you have manually entered ( and therefore should check more carefully ), or that they have automatically added to your list.
Consumer complaint received 2018-03-02
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. (TN)

XXXX XXXX XX/XX/XXXX XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX - XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX  XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 
This item is on my report twice. The information is different. The dates are wrong. What date is on the contract I signed? 

XXXX XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 
This item is on my report twice. The information is different. The dates are wrong. What date is on the contract I signed? 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX - XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. This item is on my report twice. The information is different. The dates are wrong. What date is on the contract I signed? 

I didn't authorize the following companies to pull my credit report. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-28
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. (MI)

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION COMPLETELYFROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXX XXXXXXXX MI XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX MI XXXX
Consumer complaint received 2021-10-21
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: Birchwood Credit Services, Inc. (VA)

Birchwood Credit Services, the loan originator Mr. XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX MUST NOT be allowed to do hard inquiries on my credit without my official consent, But since they do not care ( no matter how many times I ask not to ), I decided to submit a complaint here and should be a lesson so they stop harassing people. 
So the story is we decided to refinance our mortgage last spring and XXXX XXXX XXXX XXXX , XXXX was suggested, the loan originator Mr. XXXX XXXX pulled our credit on XX/XX/2021 through the Birchwood Credit Services for the first time off course with our consent and approval and started the process but due to some financial complication we stopped the refinancing process at that time. 
Later again on XX/XX/2021 Mr. XXXX XXXX this time WITHOUT our approval and written consent opted for a hard inquiry on my credit. We just called and talked to him not to do this ; and we tried to think it was with good intentions to help us take the advantages of the lower rates. 
But AGAIN on XX/XX/2021 he did another hard inquiry through Birchwood Credit services on my account absolutely WITHOUT my written consent, not even some verbal heads up, and I got the notification of this and the negative impact ... I thought I can not live with this anymore, this is very rude, inconsiderate and bothering..this is not right! 
I just called and complained but since they might not care and I am sure this will happen again and again -not to only me but others- I decided to submit a complaint here to let the companies know what is happening and prevent their employees from harassing the customers. I do not even know how to and with what language I tell them that leave us alone, plans changed and we do not want refinancing anymore! Stop Bothering.
Consumer complaint received 2021-05-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: STATE EMPLOYEES CREDIT UNION (VA)

On XX/XX/28 XXXX  charged my account for {$51.00}. I did not authorize this charge. I talked to the company in a chat and they said they were unable to help and to call another number. I called my bank and they told me they were going to charge me {$8.00} to fix the issue. Why am I being charged to correct an issue I didnt authorize? It makes no sense how they can be like we will only try and get your money back if you pay us a fee.Any other bank would have just fixed the issue. They keep nickel and dime me every second they get. The lady told me to call back during regular business hours if I want to try to get the fee reversed. They love to make people jump through hoops and then not take care of issues.Now I am going to have to open a new bank account so I dont have to worry about charges coming through that I didnt make.
Consumer complaint received 2021-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

As if today XXXX XXXX I already made my mortgage payment for the month of XXXX. 
But when I woke up this morning I was in shocked because when I checked my bank account I saw that theres 8 pending mortgage payment of {$2400.00} totalling {$19000.00} from Mr Cooper. 
I didnt authorize that payment.
Consumer complaint received 2021-02-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Chrysalis Holdings LLC (TX)

Hello, my mortgage company did not pay my taxes by XX/XX/XXXX even though ther funds were in my escrow account. I paid the taxes on XX/XX/XXXX to avoid the late fees. Now my mortgage company refuses to refund the funds to me. I called XX/XX/XXXX, XX/XX/XXXX, XXXX & XX/XX/XXXX. They tell me that the tax department is working on this issue. No one has called or emailed me from newday mortgage company. There are 3 taxes I need to be reimbursed : {$950.00}, {$1200.00} & {$1200.00}. 

Thank you, XXXX XXXX
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

Company XXXX failed to properly investigate the accuracy and validity of a few items in my credit report and did not notify me of results. XXXX sent a letter saying that did not open investigation because they didn't believe it was properly authorized by me. Listed inside the dispute letter I put all my identifying information to identify myself.
Consumer complaint received 2021-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021 I had {$3900.00} spent on two companies ( XXXX and XXXX ). There was a total of 18 transactions ( most of them being over {$300.00} ) and my bank, Bank of America, failed to notify this suspicious activity up until the 18th transaction. I called Bank of America on the same day to open up a claim while the transaction was on Processing and they did, but on XX/XX/2021 I received a message that my claim was closed, with the result being me not getting my money back. I called again and was told to submit my previous transaction with both of the companies ( because Ive had previous purchases with both ) through FAX. Then on XX/XX/2021 I received the same message, my claim was closed and I wasnt going to see a single cent. It was obvious that I didnt spend a single dime to both XXXX or XXXX, but I assume that Bank of America didnt even bother looking deeply into the claim. I called XXXX on XX/XX/2021 and they told me they couldnt provide me with the details of where my money went because of customer security ( even though it was my personal debit card being used ), but they would be able to provide my bank with the details. I believe my claims were denied because I accidentally authorized an XXXX payment of {$29.00}, but I quickly reported this accident. The reason why I accidentally authorized the {$29.00} transaction is because I had been emailing XXXX about a different product I never received, so I thought they were doing what some companies do and take some money from my account, but then refund it right after. Never did I think the {$29.00} was going to be the XXXX transaction of the {$3900.00} total taken from me! I later received a refund from XXXX on the next day, XX/XX/2021 of {$840.00}. I thought it was my bank working to get my money back, but I guess that was a wrong assumption because Bank of America was also confused as to why I was getting refunded some money. The person I spoke to from Bank of America seemed to allude that I was in on all this ( maybe suspecting me of fraud ), which is something I was personally offended by. Something I forgot to mention is that XXXX gave me a total loan amount of {$1500.00}, therefore there would have been no way that I would been able to spend the approximate {$3500.00} that went directly to them.
Consumer complaint received 2021-05-29
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 (OH)

PayPal had closed my account for no reason I just have gotten a the account with PayPal I have {$400.00} I want my account covid-19 and all the other stuff that is going on in the world I am broke I am not able to get to my money I need my money ASAP. If you guys could please help me out with PayPal and their problems that would greatly appreciate that.
Consumer complaint received 2018-03-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

Opened : XX/XX/XXXX ( 4 mos ) Account status : Open Original Creditor Name : XXXX XXXX XXXX XXXX Amount owed : {$710.00} and another opened with {$750.00} Opened XX/XX/XXXX ( 4 mos ) and the last time I went to XXXX XXXX XXXX XXXX was in XXXX or XXXX, I left this area since XXXX. 

How come it's open then XXXX? I have no idea what this debt is about. If it was for my kids whom had insurance by that time, it should not be under my name or in my credit report. And guess what we might resolve this in court because those emergency rooms always fail to charge the insurance companies which my kids have XXXX and now adding all this amount on my credit report. I'll give you 30 days to remove this from my report because it is proven that all my kids have insurance since day one and never cancelled. And in fact even so, should not be under my reports.