davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-20
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: AFNI INC. (CO)

On XXXX I sent a validation letter, on XX/XX/XXXX I received a response back stating that their " validation '' shows that the debt was mine. ( please see attached letter ) they provided me with something typed from their office, without any proof of this belonging to me. XX/XX/XXXX I sent a letter to basically tell them they failed at the validation and they needed to cease and desist with the collection unless they provided me with proof of contract, when the services occured, what the services were for, etc. on XX/XX/XXXX they responded with a letter stating this was a duplicate request. They are in violation of FDCPA, Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ). As well as failing to Cease and desist. Ive attached all correspondence from myself and AFNI
Consumer complaint received 2021-01-25
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: CARD Corporation (TX)

On XX/XX/2020 my family and I hired and paid for attorney services to be provided to another family member currently incarcerated. Upon hiring this attorney it was discussed with this attorney Why and what we needed her for. She took my family members case with the agreement that she would provide the service we needed her for. Instead of her doing what we hired her for she did something totally opposite of what we hired her for. Since she did things her own way instead of what we paid her for I disputed the {$250.00} transaction with my credit card provider. The merchant we paid was also sent an email stating very clearly what we expected and hired her for. My credit card provider denied my funds to be REFUNDED back to me due to the fact they said the merchant clarified I received service from them. It didn't matter if the merchant didn't do what we hired her for is what my card provider told me over the phone. The services we received weren't what we paid her to do therefore the merchant being paid for what she didn't do should not be paid to the merchant. My card provider did Nothing to fix this issue and I wasted 30 days just to receive info they wouldn't refund my money. The dispute dept was also sent documentation showing I contacted the merchant and it stated she didn't do what we hired her for therefore all of my money needs to be refunded.
Consumer complaint received 2016-03-15
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

MoneyGram, a money transfer company failed to protect me against fraud transactions. I was contacted by someone claiming to be from the IRS today stating that I owe back taxes and if I do not pay immediately, I will be arrested and detained for 72 hours. The caller was threatening to have me arrested if I do not pay within 40-45 minutes. As such, I made XXXX transactions to names in XXXX, IL through MoneyGram totaling {$5900.00}. I began to realize that this was a scam as I suspected that multiple transfers needed to be made. I called MoneyGram to stop the transactions but they could not refund me the 4 payments since it was already received. They did not have a process where they could have checked the background of the recipient or other preventive measures to avoid consumer fraud. I have complained to MoneyGram but they tell me they can not do anything about it. I am very upset, feel cheated, robbed and scammed. And I believe that MoneyGram is negligent and irresponsible by failing to protect the consumer. Please help!
Consumer complaint received 2016-07-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

I requested a loan modification and was working with XXXX XXXX who sent me documentation that showed that I was approved for a loan modification and then I received a letter from law firm that my home is scheduled for foreclosure.
Consumer complaint received 2015-10-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (MI)

On XXXX XXXX, 2015 I had cancelled service with XXXX. I then received a bill dated XXXX/XXXX/2015 for {$110.00} to be paid by XXXX/XXXX/2015. 

On XXXX/XXXX/2015 I was contacted by Diversified Consultants a collection agency representing XXXX saying I owed them in regards to XXXX the amount of {$110.00}. Upon contacting XXXX I was told that my bill is still due with them on XXXX/XXXX/2015 and should not have been sent to collections of any type until at least 30 days after the due date. However, they could not confirm that it would be taken away from the collection agency. The bill was paid to XXXX on XXXX/XXXX/2015 in full. 

Diversified Consultant 's also told me that I could not XXXX and they would not speak to me regarding this matter. Diversified Consultants also said that they " are XXXX '' as in they are the legal entity of XXXX and that calling XXXX direct they would not take my payment. I believe this is a False representation by Diversified Consultants. I do not believe that XXXX or Diversified are within their right to send a not-yet-due bill to a collections agency. On XXXX XXXX I received a letter by XXXX mail stating that my bill had been paid in full to Diversified Consultants. However, no money was exchanged between myself or Diversified Consultants. My money was given to XXXX prior to the bill being due.
Consumer complaint received 2024-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO. (MD)

I requested multiple times to give me the monthly breakdown how Chase determine the total amount of {$100000.00} for XXXX loan modification. No response, just run around.

1. The number of missed payments covered by the XXXX loan modification.

2. Breakdown per month ( example : XX/XX/XXXX : Principle {$500.00}, Interest {$500.00}, Escrow {$500.00} for each month ) The breakdown of principal, interest, and escrow for each MONTH covered by the XXXX loan modification. 

I sent the following to the executive office and customer service through mail and email at XXXX, XXXX, XXXX Case No : XXXX Dear Chase Executive Office, I am writing regarding my request for a breakdown of the 2011 loan modification for Case No. XXXX. Specifically, I am seeking information on the number of missed payments, as well as the breakdown of principal, interest, and escrow for each month covered under the loan modification.

I have made multiple requests for this information and have also spoken with your customer service representatives. However, I have not received a satisfactory response. During my recent conversation with customer service, I was informed that only the executive office has the authority to remove the second mortgage that was added to my loan. Additionally, I was told that customer service does not have access to the specific numbers used to determine the total amount of {$100000.00}. 

Given these circumstances, I kindly request that you provide me with the following information : The number of missed payments for each month covered by the XXXX loan modification. 
The breakdown of principal, interest, and escrow for each month covered by the loan modification. 
If providing the above breakdown is not possible, I request that the second mortgage be removed from my loan. 

I understand the importance of accurate and transparent financial information, especially concerning loan modifications and legal documents. Your prompt attention to these matters would be greatly appreciated. 

Thank you for your time and assistance.
Consumer complaint received 2021-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (CA)

I received notification through XXXX from Caine & Wiener which dropped my credit score 74 points for a balance of {$200.00}. I have been a victim of identity theft. The account was open on XX/XX/21. I have never received any information regarding the account until I called them on XX/XX/21. Speaking to the manager XXXX she didnt do anything to resolve this issue.
Consumer complaint received 2021-02-25
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. (FL)

I have discovered that some accounts are not mine. I would like to dispute them and I believe that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. I have never signed for or agreed to these charges. I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent, and permission.
Consumer complaint received 2015-08-11
Product: Credit card — 
Issue: Cash advance fee — 
Company: CITIBANK, N.A. (IL)

I obtained {$1000.00} cash advance x XXXX on XXXX, XXXX, and XXXX/XXXX/15. When I received my statement in XXXX, 2015, I immediately repaid the {$3000.00} plus associated fees. Furthermore, I have paid my account in full every month in 2015. For some reason, citibank has billed me interest on the XXXX/XXXX/15, XXXX/XXXX/15, and XXXX/XXXX/15 statement, totalling about {$240.00}. Furthermore, the current statement shows the balance of the cash advance as INCREASING as interest is accrued. But the cash advance was PAID OFF IMMEDIATELY, along with the entire balance of the card every month.
Consumer complaint received 2015-10-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TN)

Experian have violated the Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of CharacterExperian failed to validate the debt accordance with State of Tennesse law. Report # XXXXTotal XXXX violation throuh XXXX XXXX. 

Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character What the money you say I owe is for ; ( I need signed XXXX, application, where and when XXXX Experian Did not furnished ) Explain and show me how you calculated what you say I owe ; Must support XXXX terms and condition ( Experian Did not furnished ) Provide me with copies of any papers that show I agreed to pay what you say I owe ( Experian Did not furnished ) ; Provide a verification or copy of any judgment if applicable ; XXXX Experian Did not furnished ) Identify the original creditor ; XXXX Experian Did not furnished ) Prove the Statute of Limitations has not expired on this account ; This Item must be expired XX/XX/XXXX. XXXX have reported first deliquence XX/XX/XXXX with similar account. Must verify ( Experian Did not furnished ) Show me that you are licensed to collect in my state ; and XXXX Experian Did not furnished ) Provide me with your license numbers and Registered Agent. XXXX Experian Did not furnished )
Consumer complaint received 2024-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Upgrade, Inc. (KY)

I have had multiple transactions on my debit card since I have been in the hospital that I didn't authorize. I called Upgrade bank who my debit card is through and they didn't help me. They told me to call XXXX, but XXXX tells me to call them. I have lost {$3500.00} due to unauthorized charges and Upgrade bank refuses to help. The next step would be for me to contact a lawyer..
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc (NH)

I printed out my statement from affirm stating my accts are paid in full. 2 accts pain in full. Both accts being denied updates. Their failure to repair my report is causing financial harm.
Consumer complaint received 2022-07-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REGIONS FINANCIAL CORPORATION (FL)

My husband and I were looking to apply for a home equity loan on our investment property. Region 's Bank online advertisement stated that home equity loans could be done on a first, second or investment home. We applied, never heard from lender on any decision, only to ask us to unlock our credit, and submit financial documentation, we submitted the requested loan documents and never heard from the bank. My husband and I reached out a week later to inquire on loan status and were told we were denied because they do not lend on investment property even though they had the application and knew the reason for the loan application. So Regions ran our credit and obtained all of our personal financial information knowing they weren't intending to approve this specific loan. There online advertisement was extremely misleading and was the reason we submitted the online application.
Consumer complaint received 2015-08-10
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (NV)

A company refunded a payment via paypal on XXXX XXXX. Paypal supervisor XXXX ( XXXX/XXXX/15 at XXXX PST ) stated the funds are unclaimed. I asked her does that mean paypal has these funds? XXXX said, " yes. " I asked them to transfer the funds to my bank and XXXX said they do n't have them. 
There is a serious problem here. She, XXXX, could not provide any cogent answers as to where my refunded funds are. The company that refunded my money said paypal took the money from her account. 
Paypal is not interested in helping the customer.
Consumer complaint received 2021-02-25
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 have discovered that some accounts are not mine. I would like to dispute them and I believe that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. I have never signed for or agreed to these charges. I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent, and permission.
Consumer complaint received 2024-04-18
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY (TX)

After noting the direct deposit feature on my XXXX XXXX  I added my XXXX XXXX to my employer 's direct deposit system. On XX/XX/XXXX, my first direct deposit was returned. I called the number on the back of my card and was told my account was restricted to cash loads, and to remove the restriction a XXXX way call needed to be done to verify my debit card with XXXX XXXX XXXX. I proceeded to complete the call, received an email that my XXXX XXXX " is back to normal, '' and was told that by the representative would be able to receive direct deposits within XXXX business days. I called again on XX/XX/XXXX and confirmed that my account was now back to normal status and could receive direct deposits. However, my next direct deposit on XXXX was also returned. I called XXXX  on XXXX but was told my account status was normal and that they did not see a returned direct deposit. Finally, my direct deposit on XX/XX/XXXX was also returned to my employer.
Consumer complaint received 2024-04-18
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NE)

Approximately XXXX ( XXXX ) months ago I received an e-mail notice from Synchrony Bank that they were closing my JCP account. I was never late/never past due/never over limit - no negatives. Reason given directed me to see what XXXX credit bureau file. 

Credit bureau referred me back to Synchrony Bank. 

Please note I had XXXX ( XXXX ) active retailer accounts with Synchrony Bank at that time. All paid on time/as agreed/no negatives. 

Synchrony Bank has not responded to my letter requesting reconsideration sent in XX/XX/year>. 

Synchrony Bank has not represented JCP in a favorable light. 
Seems very abritrary and discriminatory.
Consumer complaint received 2016-08-30
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (FL)

I opened an American Express XXXX card in XXXX 2016 with a XXXX point membership rewards bonus after spending {$3000.00} within 90 days. I spent over {$3000.00} on the card and the points posted to my account on XXXX. They were listed as " available '' in my rewards account and I used some of them to book flights. On XXXX, XXXX points were deducted from my account, leaving me with a negative balance. When I contacted Amex about this, they informed me that I had returned purchases and no longer qualified for the bonus. I 've not returned any purchases, ever, on this card. When I inquired further, they agreed with me ( on a recorded phone call ) that I met the bonus requirements and a computer glitch had caused the points to be deducted. They informed me that the points would be added back to my account soon. That was several weeks ago, and as of today, the points have not been added back to my account.
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/23 a charge from XXXX XXXX  online payment for the amount of XXXX. On XX/XX/23 a charge of XXXX from XXXX XXXX online payment. On XX/XX/23 a charge of XXXX from XXXX online payment. On XX/XX/23 a charge of XXXX from XXXX online payment. These charges was charge from my account wich was in authorized I reported and did a fraud claim my back denied my claim and said I should contact the XXXX. I spoke with XXXX and XXXX said I need to make a claim with my bank. I dont know what to do any more so Im hoping I can get help from CFPB . This is injurious to me I almost lost my house because of this. I bank with chase even after I made the claim they allowed the merchant to continue to charge my account. I had to shut down the account and open a new one to get this XXXX to stop charging my account.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Control, LLC (GA)

The company Credit Control , LLC has reported that I owe a debt to XXXXXXXX XXXX for which they've obtained. I have no knowledge of such account therefore this account needs to be removed/prevented from being added to my credit report. Please provide documentation with my signature regarding the account and cease contacting me. 

I've also been a victim of fraud in the last years. see ftc report.
Consumer complaint received 2015-03-27
Product: Credit card — 
Issue: Other fee — 
Company: AMERICAN EXPRESS COMPANY (NY)

I have an American Express card connected to XXXX. I had a platinum card for a year, with a {$150.00} annual fee. When I got the bill with the coming year 's fee, I called and asked to have the card changed to a XXXX card with a {$95.00} fee. That was done and I was told that I would be charged {$95.00} for the year and the {$150.00} would be credited back to my account. I paid the {$95.00}. When I got the next bill, the annual fee charges were prorated so I was charged XXXX month at the higher fee. I called to have that corrected and customer service person was extremely unhelpful and patronizing. I asked to speak to a supervisor and after considerable resistance I got someone else who was also patronizing. He kept repeating, " XXXX XXXX, you must understand .... " I understood extremely well, but he refused to acknowledge the issue or what I had been told in my previous call. I asked to speak to his supervisor and, again, after resistance I was told someone would call me within 48 hours. I have not received that call. I was going to call back but have no hope that I will be able to reach someone helpful. The amount of money is under {$5.00} but I find the lack of accountability and the difficulty in getting acceptable customer service or any remedy extremely troubling.
Consumer complaint received 2022-07-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (LA)

A check was stolen from a XXXX XXXX USPS mailbox on XXXX XXXX, 2022. It was reported stolen to USPS and XXXX Bank in XXXX 2022. It was made out to a local Roofing Company, XXXX XXXX XXXX XXXX XXXX XXXX. The check was written by me on a personal checking account with XXXX Bank in XXXX XXXX. It was cashed by an individual with an illegible signature through a mobile deposit to a Wells Fargo account. 

It cleared my account on XXXX XXXX, 2022. XXXX Bank told me that the individual account was with Wells Fargo Bank. XXXX Bank says that Wells Fargo has not reimbursed them for the fraudulent deposit and Wells Fargo claims that they are overwhelmed with fraudulent deposits and can not say how long it will be before they are able to investigate this incident. I have filed a formal affidavit of loss with XXXX Bank. 

Thanks, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-07
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc. (FL)

I am asking XXXX XXXX, acting president of company of comenity bank ; reporting as comenity bank/XXXX XXXX  account ending in XXXX to remove the account from my XXXX credit bureau XXXX for the following reasons ; comenity bank reported to XXXX on report # XXXX for XX/XX/XXXX, account XXXX XXXX ending XXXX XXXX charged off with a balance of {$330.00} dated open XX/XX/XXXX. Reported to XXXX XX/XX/XXXX thaXXXX XXXX XXXX account open XX/XX/XXXX ending # XXXX report # XXXX. The only filing the XXXX  has of any comenity bank XXXX XXXX  account is ending in # XXXX filed 1096 with 1099-c XXXX for XXXX, on file with the XXXX dept . this account reported by comenity bankXXXX XXXX  with a balance of {$330.00} charged off with a balance is false, altered information it's against the 15 usc 1681s-2-623 code of the FTC and the IRS voilation.remove this account and any other comenity have in closed account.
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC. (WI)

Contacted company XX/XX/2021 and paid balance company stated the item will be removed from my credit report within 2 weeks. I also disputed with XXXX XXXX and XXXX  and the item has not been removed.