davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WATERMARK CAPITAL, INC. (MI)

Re : Watermark Capital LLC Earlier this year I was notified by Watermark that mortgage payments should be sent to a different Watermark company called Watermark Capital Inc. starting XX/XX/XXXX. Previously, I made payments to Watermark Capital LLC. I made this change prior to XXXX and the new account number was applied to the autopay information at my bank. In error, my bank still sent payments to the old Watermark Capital LLC address, but the bank did have the new correct new account number. 

All payments were successfully received by Watermark in spite of having been sent to the old Watermark address. 

My bank confirmed XXXX, XXXX, XXXX and XXXX payments were sent to the old Watermark address. These records of payment from my bank were sent to Watermark on XX/XX/XXXX via email. I was not notified by Watermark that payments were received by the old Watermark. Watermark had to have known this happened yet they say my XXXX and XXXX payments were late yet somehow my XXXX and XXXX payments were not late! 

It is important to note, Watermark 's change from Watermark Capital LLC to Watermark Capital Inc. transition was screwed up - Starting in XXXX Watermark left phone messages saying they had no record of my mortgage insurance, but I actually did have insurance and somehow they " lost '' my information in the transition. After hours on the phone with Watermark and my homeowners insurance company, finally Watermark realized the mistake they had made. This shows internal issues at Watermark during their " transition ''. During this period, Watermark left more phone messages saying there was now an issue with my mortgage payments. I talked to Watermark about this issue several times in XXXX and XXXX trying to resolve the issue. They were supposedly working with me to sort out where my mortgage payments were going. I sent them my bank statements proving they had received my payments. In XXXX, they recognized that in fact they did receive my payments that had been sent to the old Watermark with the new account number. They were totally incompetent and did not realize they had my mortgage payments sent to their company. On XXXX XXXX, XXXX I received 4 individual letters from watermark, all letters were dated XX/XX/XXXX! Each letter said my payment was overdue ; why weren't these letters sent a month age like they were dated. I manually paid the Watermark a second time for the months they claim I was late on XX/XX/XXXX yet the still sent me the 4 letters on XX/XX/XXXX. These examples reinforces my contention that Watermark is totally incompetent.

I have spent approximately 10 hours on the phone ( including being on hold ) with watermark over approximately 8 calls plus 2 hours with my bank. I can not resolve my issues without help from you, I have tried very hard to work with watermark.
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: GOLDMAN SACHS BANK USA (CA)

Team, I bought a {$100.00} Apple gift card at XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, CA XXXX on XX/XX/2023 at XXXX. When we tried to redeem the gift card at the Apple store on XX/XX/2023, we found the gift card was already whited out. The Apple store representative told us that the card has a {$0.00} balance and it was already redeemed on XX/XX/2023. The Apple store asked us to contact the XXXX store for a refund. But the XXXX store is asking us to contact Apple for a refund. After repeated attempts, we decided to file a complaint and reported the incident to the local law enforcement agency and to the Federal Trade commission. Apple team shared the email id to share the complaints. But the XXXX team handled the case unprofessionally. My calls to XXXX support contact number XXXX XXXX XXXX was disconnected intentionally thrice on XX/XX/2023 during XXXXXXXX XXXX PST to XXXX PST. The support team was not ready to share the support email id to share the complaints. 

I am expecting refund of {$100.00} from Apple or XXXX. I received an email from Apple that the refund needs to be claimed from the retailer ( i.e, XXXX ). I also received an email from XXXX that the refund needs to be claimed from Apple. 

XXXX case number XXXXXXXX XXXX  guest relations contact number XXXX XXXX XXXX GiftCard support team on this contact : XXXX ( XXXX, CT ) This scam has been reported online on XX/XX/2023 but why has no action been taken by XXXX  to remove the Apple gift cards from their storesXXXX XXXX XXXX? XXXX
Consumer complaint received 2023-03-23
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: DISCOVER BANK (GA)

someone stole my wallet and used my ID and credit cards to obtain car rentals, hotels, and made other purchases. I had to get a new drivers license, new credit cards, and a new phone. I sent a copy of my police report and my new license to Discover. The charges are still on my account. I need them removed so I can pay off my credit card appropriately. The Fair Credit Billing Act protects consumers against inaccurate or fraudulent credit card charges and other billing errors.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-11-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (TX)

PROFESSIONAL DEBT MEDIATION INC. 
ORIGINAL CREDITOR : XXXX THIS DEBT IS SHOWING IN MY CREDIT REPORT IN THE AMOUNT OF {$4500.00} AFTER CONTACTING THE ORIGINAL CREDITOR. 
THEY STATED THAT THIS IS FOR A BROKEN APARTMENT LEASE. 
OPENED ON XX/XX/XXXX2017. 

I HAVE NEVER LIVED IN AN APARTMENT. 
I HAVE LIVED IN MY CURRENT HOME SINCE XXXX OF 2000. 
THIS ACCOUNT WAS FRAUDENTLY OPENED.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX I received information from my childrens mother that someone from the XXXX XXXX XXXX was trying to use my credit report against her. No one had my consent to pull my credit report. My Equifax and XXXX are being used against her, and we are not married, nor do I reside in her home.I am not on her lease and feel like this was illegally done.
Consumer complaint received 2023-01-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TN)

I live in XXXX, Tennessee. A charge was made at a XXXX in Arizona for {$100.00} and some change. I called fraud, cancelled the card, and waited for them to basically say yes its fraudulent. To my surprise, they found nothing fraudulent with the fact that Arizona is 4-5 states away, and my most recent purchase after that was in XXXX. Hours away. I wasnt issued a refund, and Ive put in two rebuttals, and a final statement was given yesterday. saying I wasnt receiving a refund. Ive also asked for information on their investigation, Im wondering if Ill receive that too.
Consumer complaint received 2020-04-26
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: EQUIFAX, INC. (OH)

There is a XXXX XXXX obligation that is reporting on my equifax credit report. This account is in violation of the FCRA for multiple inaccuracies. 1. open date is incorrect, 2. Date of last active is incorrect. 3 Date of last payment is incorrect, 4. Monthly payment is reflecting incorrect, ( ruining my debt to income ratio ) 5. The account is reporting like its a revolving account and shows 120 days late 19 times These are all direct violations of the FCRA for inaccuracies. But when disputed they come back as verified, they have ignored my request for method of verification. Also this account reports as though its an active revolving account but there was never an inquiry, nor ANY extension of credit. under section 604 of the FCRA this does not fall under permissible use. Lastly this matter is civil and NOT a breach of contract there for it should not even be on my credit file in the first place as it does not reflect my ability, stability and willingness to pay my debts.
Consumer complaint received 2017-01-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I tried opening an account with XXXX XXXX an was denied because of something on my credit report. I checked XXXX XXXX, XXXX XXXX, & XXXX. An did n't see anything on there. I would like to know what the issue is an if it can be removed. Thank you an have a great day.
Consumer complaint received 2020-10-09
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I have a az pua debit card on XX/XX/2020 I tried to make a atm withdrawal of XXXX $ the atm gave me XXXX and went off line I called the atm company and they told me to call my bofa card service and they can refund the remainder of the money I tried calling the claims dept for 2 weeks before I finally was able to speak to someone at the call center and they told me they have to investigate so yesterday XX/XX/XXXX they put the credit in my account before taking it back and basically saying I lied and tried to fraudulently obtain money CASE NUMBER XXXX
Consumer complaint received 2023-01-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP (UT)

I made my payment using my external Saving account. They withdrew from my checking causing me a late fee with US bank {$30.00}. I was also charge {$50.00} from my external bank XXXX XXXX XXXX. I have a screen shot of my external account being set up with Saving selected. Please note, this Savings account is used for a different mortgage and gets withdrawn from saving flawlessly as well. US bank has blatantly disregarded the issue they cause and placed me on mute until disconnecting the call when I asked for a higher manager. I was placed on mute and hung up on 2-3 minutes later. Although I have not been reported to the Credit as delinquent, I want my internal US Bank delinquent status removed with US BANK. I feel this is being done intentionally to de-fraud customer and gain late fees on unsuspecting customers. Although it was waived it took a fight to get it waived and they still own me what my other bank charged me {$50.00}.
Consumer complaint received 2023-01-04
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (OK)

In XXXX I closed a Best Buy Citibank account that was inactive for years. 

In XX/XX/XXXX, I recieved a bill in the mail for {$XXXX}. I immediately contacted CitiBank and told them that I did not open this account, and the charges on it were fraudulent. 

The email and address used for the new card are not my email, and it is an address I had not lived at for months. 

After their investigation, they said I was still responsible for the charges because it was purchased at a store " Within driving distance ''. 

XXXX  times I have requested another investigation, and they have opened/closed with the same results.
Consumer complaint received 2023-01-04
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: EQUIFAX, INC. (OK)

It's been over 30 days and credit bureau haven't update information nor has provided proof or documentation in regards of late payments. They have not supplied this information and must delete the alleged late payments off my credit reports. under federal law they have 30 days to complete the investigation and by failing to do so the items must be deleted from the report as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting on my credit report after they said it would be deleted. 

XXXX XXXX  # XXXX I have no knowledge of this account I never lived at several addresses that reporting, Ive disputed them the only reporting should be XXXX XXXX XXXX XXXX XXXX XXXX ok XXXX, the only phone number XXXX, the only name is the XXXX on file that shows my mailing address XXXX XXXX XXXX they havent sent documents requested, there are several inaccuracies on the payments, date, amounts, missed payments, no info showing please have them delete ive disputed this several times
Consumer complaint received 2022-12-21
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: Chime Financial Inc (FL)

I was a victim of credit card fraud where purchases were not made by me. My cell phone was stolen on XXXX. XXXX. I was trying to find my phone but was unable to. After 24 hours of no phone I went to go get another one. After I got my phone and loaded the apps on my phone I noticed 5 fraudulent charges on my credit builder account. They were date and time stamped on my account for XXXX at XXXX XXXX  and XX/XX/XXXX at XXXX. These were the following charges. XXXX, {$1500.00} / XXXX  XXXX  {$1500.00}, XXXX XXXX XXXX XXXX  for {$5200.00}, XXXX  XXXX for XXXX and XXXX for {$1000.00}. after 5 days the bank denied my dispute. I was able to reopen the dispute and I also emailed for documentation for why my dispute was denied. they said that it would be 10 business days before I got the information. I need this money to help with bills and I am 100 % honest that I did not make these purchases as all my bank accounts were victim to these people.
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, Tx XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, has violated several of my rights 15 U.S.C 1681 section 602 A. Clearly statos that I have the right to privacy. U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. U.S.C 1666B : A creditor may not treat a payment on a credit card account under ar open-end consumer credit plan as late for any purpose. Remove these late payment and update this account immadiately as you are in direct violation of several laws under The Fair Credit Reporting Act
Consumer complaint received 2016-12-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Arbor Professional Solutions, Inc. (IN)

This debt has been court ordered 2 be paid by my x Husband which he agreed too in our settlement XXXX/XXXX/XXXX. I have court documents to support this as the XXXX in nature and of which he plead guilty to XXXX/XXXX/XXXX
Consumer complaint received 2023-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

JPMorgan Chase Bank, NA Check dated XX/XX/2022 for the amount of {$4200.00} made out to an individual and signed by myself was fraudulently cashed by someone else. Chase bank apparently lacks the security needed to prevent checks from being cashed by just about anyone. The check was not altered in anyway. The payor name was not altered. Someone cashed this check and it wasn't the payor. All the transactional information is available, yet 3 months later and multiple inquires, Chase has not tracked down the funds nor have I been reimbursed for the fraud Chase bank is responsible for.
Consumer complaint received 2023-09-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (VA)

I reached out to Mr.Cooper regarding an increase in my mortgage with a new monthly bill of {$2200.00} that was scheduled for XXXX via telephone on XX/XX/XXXX. There was an escrow shortage in the amount of {$490.00}. I paid the shortage to avoid an increase. I was told to call back in on XX/XX/XXXX to give time for the payment to process and have a new analysis to be run, so that there will be no shortage and my mortgage would go back to the original amount. I called on XX/XX/XXXX and the person refused to run the analysis and was very rude. I sent an email on XX/XX/XXXX and a new analysis was ran ( doc attached ) which put my mortgage back to the original amount. 

I checked my account and see my payment due is {$2200.00}. I reached out to XXXX again via email and they responded by saying my mortgage will increase in XXXX because my escrow might be short in the future. However my bill has increased for the month of XXXX. However, my bill should not increase based on a possibility and should be based on the analysis and whether I currently have a shortage.
Consumer complaint received 2023-01-18
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. (GA)

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$300.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP (CT)

On XX/XX/XXXX I deposited an inheritance check into a new money market savings account ( separate from my checking and regular savings accounts ) at Key Bank XXXX XXXX XXXX XXXX ). The bank was notified on XX/XX/XXXX that the check was NSF. I received a phone call from the bank on XX/XX/XXXX or XX/XX/XXXX. Key Bank requested a bank check to replace the NSF one. I secured a bank check from the lawyer handling the estate. I deposited the bank check on XX/XX/XXXX. It was then I learned that Key Bank had blocked ALL MY ACCOUNTS. This created a SEVERE FINANCIAL HARDSHIP on me as Key Bank was the only bank with which I did business. Even though the replacement bank check cleared last week, Key Bank continues to block ALL MY ACCOUNTS.
Consumer complaint received 2022-08-05
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PNC Bank N.A. (OR)

To whom it may concern I write to you this letter in hope to receive mercy with the situation we are in. I've been a XXXX XXXX XXXX since XXXX. We specialize in XXXX XXXX and XXXX of XXXX XXXX. We are a XXXX XXXX XXXX and we take responsibility and pride for the work we do and how we treat our clients and business partners. 
In the year XXXX we made a wrong move by using our home equity funds to attempt to save the XXXX XXXX that was suffering from lack of finance, directly associated with the economic crash. 
We were trying to stay afloat and borrowed for business expenses associated with investments that eventually were all lost due to the market crash and recession that followed. 
Unfortunately XXXX XXXX XXXX XXXX to short sales and in regards to the equity line that was used for them, I was qualified for Obamas XXXX XXXX and as a result my equity loan with XXXX XXXX Bank account # XXXX was charged off in XXXX of XXXX The times were extremely hard, everything we worked so hard for was gone. We were struggling to XXXX day by day, devastated to be left with very little workflow and lots of bills. At that time my sister-in-laws family with their three children moved in with us for nearly three years, we were supporting each other in the devastating times for XXXX XXXX 
I was under the impression that the second loan was dismissed along with short sales and other losses we suffered. I was advised by the firm that was helping us through the crisis, that the government had a rescue plan for the XXXX crash, and we qualified for the benefit. 
For the next 13 years I believed in good faith that it was exactly that, I didnt see the loan any longer in my credit report, believing that in fact it was charged off. 
Recently, I received communication from XXXX, XXXX XXXX with an account # XXXX, After reaching out for advice to my financial consultant and XXXX associate, I came to a realization that the loan hasnt vanished, but instead, it has doubled in the amount and that now Im at risk to XXXX my home. Im investigating to see what happened and why the loan we were told got dismissed in reality is still pending. As I am searching for answers and trying to retain my home, XXXX is not accepting my offer to remove the lien of my property. Instead, they are asking for unmanageable amount as down payment and repayment of the loan that was charged of by government assistance in XXXX. 
As of today, the mortgage payment I have is already above 50 % of our family income and in good faith I will not be able to pull another loan. 
Im investigating the cause of failed loan forbearance, and unfortunately not getting anywhere. Please help me to figure out the best option to XXXX my home.

Im considering filing for bankruptcy at this time.

Thank you.