davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HOME BANCSHARES, INC. (FL)

XXXX XXXX XXXX, XXXX ( XXXX ) wired {$100000.00} USD from its XXXX XXXX XXXXXXXX to XXXX XXXX ( owned by Home Bancshares ). XXXX file a request to reverse the wire the same day. The funds were sent to XXXX XXXX XXXX XXXX to continue for New/Current Construction costs property XXXX XXXX XXXX XXXX, XXXX, FL XXXX Lot XXXX/XXXX. 

XXXX spoke with XXXX XXXX XXXX - President of XXXX XXXX   has said he would look into the issue. XXXX XXXX refuses to respond. 

XXXX XXXX 's actions are Violation of Florida State Statues for Civil and Criminal Theft.
Consumer complaint received 2021-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (TX)

in my XXXX  report it says I opened a XXXX account on XXXX XXXX at that time I was an account holder with XXXX then later switched to XXXX. This XXXX  account has absolutely nothing to do with me. somebody clearly used my SSC or whatever to get an account. FRAUD.
Consumer complaint received 2018-06-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

I am an alleged cosigner to a student loan that I neither agreed to sign or signed. The loan was opened with Navient in XX/XX/XXXX for an amount of {$25000.00} and today, after what seem to be one apparent deferment after another, the loan amount now stands at {$40000.00}. I have tried unsuccessfully for five years to inform Navient that I did not agree to cosign this loan and any signature that they have with my name was forged. Navient informed me that they couldn't help me and that my only option was to file a criminal case for forgery against the borrower. They threatened to report my credit report and under duress I made two payments in a short term attempt to keep my report in tact, while I was going through the process of buying a new home. 
On XX/XX/XXXX I reached out to Navient by email to once again assert my defense that I did not sign for the loan in question. On XX/XX/XXXX I received a response from XXXX XXXX stating that Navient was unable to assist me by email but they would be happy to assist me over the phone if I called the number that was provided. I did not call and on XX/XX/XXXX, the account was reported against my credit and my fico score dropped 41 points on my credit report.
Consumer complaint received 2018-02-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2017 XXXX XXXX XXXX XXXX at machine try to withdraw {$500.00}. the transaction was cancel due to NO money came out I want inside to register and ask how much can I with draw she stated {$50.00} I was no please so I purchase something for XXXX and as you can see it was $ XXXX.see attached document. The next morning went to bank to get XXXX for my rent was told insufficient funds at the time I got on the phone with fraud department they credit the {$500.00} to my account. On XX/XX/XXXX they took the money back because the vendor atm machine balance I took they they need to pull the camera/video due to the money never came out!! They tells me the cant because it not there machine I will need to get police report. I just don't understand why I have to do this because I have fraud protection on my account. I just want Bank to do there job get the camera footage and credit my account of {$500.00}.
Consumer complaint received 2021-02-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (NE)

So I have two separate things that need to be addressed. I have a total charge of {$180.00} ( which I disputed and I received a email stating that a error did occur. Ive told multiple reps this and have even sent in the proof to them already multiple times. ) And for the transfer that was {$200.00} to my XXXX XXXX account on XX/XX/2020. It hasnt shown up and I have given them AMPLE amount of time for this to come in and be fixed. 
All the reps I keep talking to state that these never occurred or that Im lying and that they did happen. They either 1 ) got reversed already ( LIE ) or 2 ) they got denied and Im stuck being out almost {$400.00}. ( LIE )
Consumer complaint received 2020-04-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (MD)

In XXXX of XXXX my mortgage was sold to ShellPoint Mortgage. My mortgage payment was XXXX and in XXXX  I receive a letter that my mortgage would increase to XXXX and then I receive a letter that stated as of XX/XX/XXXX that my mortgage would increase to XXXX On XX/XX/XXXX I called and spoke to Rep. XXXX she said she did not have a ID number and could not give me her last name and she begin to tell me that my mortgage increase do to my insurance. We called XXXX XXXX and they faxed the Evidence of Insurance form to ShellPoint mortgage the Rep said she receive and I should be getting a letter in the mail informing of the correction, well as of XX/XX/XXXX it has not gotten fix. I have called and talk to so many people and they keep telling me that they are fixing the matter. I am so afraid about this they have poor reviews I don't want anything to happen to my mortgage, I just want this matter fix and I want to buy my mortgage. This company is very unprofessional. No returned email and no call backs.
Consumer complaint received 2018-06-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (IL)

Dear Consumer Financial Protection Bureau : JP Morgan Chase Business Banking has been charging for ACH services ( XXXX/month ) that we were not signed up for. When I looked into the unrecognized charges for the ACH service I clicked the ACH section of the site. It was clear that we were not signed up : ACH Collections Enrollment Please note ( see screen grab attached ) : " We can't enroll you quite yet. Please call XXXX to finish enrolling. If you've been our customer for less than 6 months, please provide at least 2 months of checking account statements from  your previous bank '' When I talked with Chase they refunded 4 months of charges " as a courtesy '' but would not refund beyond that. They have been charging me for a service never available to me to use as I have never been enrolled in their ACH service. It's not even accessible as to access it through the online banking site. 

I can see a total 27 charges online which is a far as the system allows. ( See screen grab attached ) I assume there are many more predating these. This appears to be similar to XXXX XXXX fraudulently signing up/charging for services without the customer 's request or consent. 

This may be an isolated incident but it may be widespread.
Consumer complaint received 2018-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Hi, I've tried several times over the past few weeks to log into my account on both the Bank of America website and mobile app. My user name and password were correctly entered. Without fail, I receive the following error and am unable to log in : " Online Banking is not available to you at this time. Please call us at XXXX. '' I put off calling over this time because I work 60 hours a week and I expect long call times with them, as that's what I've experienced in the past. I'm calling today, Saturday XX/XX/2018. The automated recording apologizes for the " longer than usual wait times '' and thanks me for waiting, but it's currently been one hour and ten minutes and counting that I've been waiting. It seems BOA may be making it extremely difficult for me to log onto my account to pay my bill to force me into a late payment, which results in fees for them.

Unreal.
Consumer complaint received 2018-02-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (ME)

I took out a {$400.00} loan on roughly XX/XX/2017 under the guise of a high interest rate and {$120.00} payment per pay period but now I am being told the {$400.00} payday loan will end up being {$1400.00} with interest! Even if paid it off early. 

Right now my total amount due is supposedly {$800.00} and thats {$400.00} principal and {$400.00} interest! 

I have revoked ACH authorization from the group ( after reading stories of similar situations ) and will be happy to settle this matter but not for {$1400.00}. That has to be illegal. I feel based on similar type loans that {$500.00} would be fair in payments I manually initiate every 2 weeks when I am paid. 

Through further research I have discovered that this group is facing multiple class action lawsuits. XXXX XXXX XXXX Thank you
Consumer complaint received 2020-06-29
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. (TX)

show tooltip button XXXX/XXXX/XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX CDispute XXXX XXXX XXXXDispute XXXX/XXXX   XXXXDispute XXXX XXXXDispute filed ftc on all the above accounts
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX  XXXX  and Transunion are refusing to delete 2 accounts that were so inaccurate i contacted them immediately!!! In the midst of this whole pandemic the need to have good credit has rised which means there is no time for erroneous reporting XXXX This Alleged chargeoff has 3 different dates of last activity a sign of re-aging the account further damaging my credit score yet all 3 bureaus swear they have verified the information as accurate. 

XXXX This alleged Mortgage account says late 30 days across all 3 bureaus but the account is closed- with an inaccurate payment grid- I disputed this alleged late account but all 3 bureaus verified it even though the company closed after it went bankrupt. ( XXXX XXXX XXXX ) How?????? 

Under the FCRA 15 U.S.C.? S 1681i, every single one even each any and or all of the unproven, not compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory account ( s ) must be promptly annulled in its entirety or even the whole of the claimed account ( s ) are to be deleted.
Consumer complaint received 2018-02-22
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)

There is a XXXX XXXX credit inquiry on my credit report with XXXX that I have ask the company to remove several times as it is fraud. This company also drops my credit score for no reason everytime I complain about the issue. I am debating getting an attorney at this point as I myself am XXXX and having a hard time finding a new place to live do to this companies fraudulent and false reporting. I always pay the cards that I do have on time never missed a payment but this company continues to lower my credit score for no reason everytime I submitted a complaint. I would suggest the FBI look into this company because there is clear prejudice going on and they are creating hardship for me who is XXXX and well as my XXXX son. Please command this company to raise my score and remove this credit inquiry that should not be on my credit report
Consumer complaint received 2020-08-19
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened onXX/XX/XXXXwith a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC (OR)

I hve disputed an unknown debt by a XXXX XXXX XXXX. It was removed three seperate times, after disputing the account. And each time they reintroduce the debt anew and it keeps lowering my credit score, all while I'm desperately and slowly making efforts to increase my score. I am even currently partnered with state vocational rehabilitation and they are working with me in all ways to improve my credit so I can become self employed.
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (MA)

I got a letter from an attorney 's office, stating that my XXXX XXXX XXXX credit card had been charged off and they were taking it over. I called XXXX  XXXX XXXX to ask about why the card had been charged off since I hadn't gotten a bill, notice, or statement in quite a while. XXXX  XXXX XXXX told me that I had a " cease and desist '' placed on my account, which prohibited them from sending anything to me. To be crystal clear, I never asked for, authorized, or approved a cease and desist to be placed on my account. I opened a dispute with the credit bureaus, and XXXX XXXX XXXX did nothing to change the status or work with me to try and fix this issue. Had the cease and desist never been placed on my account, I would have received bills, statements, and notices ; then I never would have gotten this far behind in payment. But the cease and desist put my account in very bad standing, thus affecting both my credit history and derogatory remarks, among other aspects of my report. XXXX XXXX XXXX was unwilling to resolve this when I called as well, and the woman I spoke to saw nothing in the notes stating that a cease and desist was requested by me ( since it wasn't ). I have written to the attorney 's office that XXXX XXXX XXXX charged my account off to, and have not heard a response from them either. Further, I have opened a complaint with the XXXX XXXX XXXX ; they have opened the complaint with XXXX   XXXX XXXX, but XXXX XXXX XXXX has not responded to them about this either. XXXX XXXX XXXX is clearly dodging the subject and trying to show me as solely responsible, but again, I did NOT request, authorize, or approve a cease and desist being placed on my account.
Consumer complaint received 2018-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have disputed 10 hard stops on my credit report from XXXX in the amounts of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to TransUnion and they have all been disputed as of XX/XX/2018 however they are still showing up on my credit report and I need them to be removed. These are not my fault, they are XXXX 's error and this have negatively impacted my credit score.
Consumer complaint received 2022-09-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Collection Management. Inc (MO)

Consumer collection management IncXXXX located in XXXX XXXX XXXX has caused me to have to send in documentation for XXXXXXXX XXXX that had been previously paid. They contacted me in XXXX Regarding a hospitalization In XXXXXXXX XXXX XXXX XXXX XXXX releases these debts after I have already paid them so either XXXX XXXX XXXX in XXXX in XXXX XXXX Needs to get their billing account numbers and counter numbers straightened out because somehow this Debt Collection Agency gets some sort of notification that for some reason I did not pay when indeed I have and I have documentation to prove it
Consumer complaint received 2020-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (ME)

I CLOSED THE CREDIT CARD ON XX/XX/2019. ON XX/XX/2019 A MERCHANT REFUNDED {$480.00} TO THE CREDIT CARD. THE CREDIT CARD COMPANY SAYS IT HAS NO RECORDS SHOWING I EVER HAD THE CREDIT CARD WITH XXXX  CREDIT CARD NUMBER, EVEN THOUGH IT SHOWS UP IN MY CREDIT REPORT.
Consumer complaint received 2020-07-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ZIONS BANCORPORATION (TX)

Today, XX/XX/2020 I called XXXX to dispute the charge of {$1000.00} that this company, ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX Florida XXXX ) was attempting to collect from me. 

According to MsXXXX XXXX XXXX, she would be sending me the copy of check # XXXX that I wrote from Zion 's Bank to a Church in the amount of {$1000.00} which was supposedly cashed at a local XXXX # XXXX in XXXX Texas on XX/XX/2020. 

I called Zion 's Bank Headquarters and spoke with XXXX and asked her to verify if someone had opened up an account with my name to which she responded. NO. 

Hence : I believe this is a scam to collect money from seniors who would normally make out checks to the church and who would easily feel intimidated by a letter from a collection agency that is threatening to affect their credit if the amount owed is not paid in full. 

In fact, when you call this number it literally states to have your account information handy to include your account number and the routing number. 

THIS IS A DECEPTIVE PRACTICE THAT HAS TO BE STOPPED. 
NEVER EVER GIVE YOUR PERSONAL INFORMATION TO VERIFY ANYTHING!
Consumer complaint received 2020-10-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

AFTER CAREFULLY REVIEWING MY CREDIT REPORT I FOUND ACCOUNTS THAT DOES NOT BELONG. THIS IS MY 3RD TIME WRITING AND DISPUTING THESE INACCURATE ACCOUNTS THAT IS HINDERING ME FROM DOING BETTER IN LIFE ... DATES ARE XX/XX/20 XX/XX/20 XX/XX/20
Consumer complaint received 2018-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Transunion XXXX XXXX XXXX  XXXX XXXX, PA XX/XX/XXXX I am writing to challenge the misreporting mortgage 81 month account payment history and compliance on both accounts with XXXX XXXX that is being reported on my credit report with incorrect/missing info. The accounts are listed below : XXXX XXXX ACCT and XXXX XXXX Transunion Acct XXXX XXXX ACCT and XXXX XXXX Transunion Acct More specifically, I am referencing the fact that you are reporting an incorrect high balance, not applying my payments correctly, reporting old debt as new, an incorrect account number, an undated late pay, a missing field of [ 81 month account payment history ], the wrong account type, an incorrect credit limit, a late pay after account was closed, an inaccurate date of last activity, an inaccurate date of last update, an inaccurate reporting date ]. There is insufficient information about my mortgage accounts that are affecting my score. I have disputed this error over 6 times with Transunion and XXXX XXXX. Your improper procedures are highly damaging to my credit score, causing additional stress and preventing me from receiving the best home mortgage rates and credit cards. Please immediately update my 81 month account payment history on both XXXX XXXX Accounts and please correct the insufficient information about my mortgage accounts that are affecting my score. These accounts listed were never late and always paid as agreed from XX/XX/XXXX to present. Please update the NR on my 81 month payment history to reflect Pays As Agrees from XX/XX/XXXX to present on both XXXX XXXX Accounts. Attachments : XXXX XXXX payment history from XX/XX/XXXX- XX/XX/XXXX. The first mortgage account. This account is closed and never late payment from XX/XX/XXXX- XX/XX/XXXX. Attachments : XXXX XXXX payment history from XX/XX/XXXX- to present. The refinanced account. This account is open and never late payment from XX/XX/XXXX- to present. 

Your credit is based on your credit history and length of accounts that are paid as agreed on monthly basis. My 81 month mortgage account on both accounts does not reflect my excellent payment history from XX/XX/XXXX- XX/XX/XXXX first mortgage account in which this account is closed and XX/XX/XXXX-XX/XX/XXXX refinanced mortgage is currently open and never late. 
I am making my payments on time, however I do not have any credit history on both accounts from XX/XX/XXXX- present that reflects the excellent payment history. I also have insufficient information about my mortgage accounts that is damaging my credit history.