davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION ()

Hello, I made a transaction on XXXX with tracking number XXXX from my XXXX account to my XXXX  account with number XXXX through Xoom service, and after I payed the 3 eur fee and the money was sent to the XXXX  account, I received the information that the money have been transferred to a XXXX XXXX  account. 
I don't have and I never had a XXXX XXXX  account so not even by mistake I couldn't select this bank, XXXX XXXX  was automatically assigned to my transaction details although the number account is correct. 
I made a lot of phone calls to the Xoom service of XXXX for case with number XXXX since XXXX, the only response I receive is " we will come back with a response in XX/XX/48 hours '' but Xoom never come back with a response. I always had to return to them. 
In attach can be found the phone calls to the Xoom and e-mails about transaction and from the open case at them. 
Please help me to solve this case faster, so the transfer can be finished in the right account. 

Thank you!
Consumer complaint received 2016-10-31
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO. (NY)

My wife received a letter dated XXXX XXXX, 2016 from " XXXX '' at Chase Bank USA, N.A., XXXX XXXX XXXX, XXXX thanking her for her alleged application for an AMAZON.COM Visa Signature card and requesting " more information. '' She had not applied for such a card ( or any other card at this time ) from Chase or Amazon and, indeed, had not contacted Chase for any reason. Two days later, she received a letter dated XXXX XXXX, 2016 stating that the sender had reviewed her " application and credit report and are unable to approve your request at this time for the following reason : Obligations too high relative to income. ] '' For further information on the basis for Chase 's rejection of the application we never made, the second letter referred my wife to XXXX. We are concerned that Chase, or someone purporting to be Chase, is trying to snare credit card business through the use of false and misleading correspondence, and that in furtherance of that scheme has sent a credit inquiry about my wife to a credit reporting company, thereby potentially damaging her credit rating.
Consumer complaint received 2023-01-11
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

Sent out verification form, no one every sent verification of account back over... The information under the accounts dont match the open date, the late payments date dont match, the high credit amounts dont match, the report date and last active dates are no match
Consumer complaint received 2023-01-11
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Deutsche Bank (CA)

I originally sent this complaint to The Federal Reserve Consumer Help. They advised that I contact the Consumer Financial Protection Bureau. 
Institution Name : Deutsche Bank Trust Company Americas Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Individual Originally Contacted Regarding My Complaint - XXXX XXXX XXXX XXXX Complaint : I wrote a letter to XXXX. XXXX XXXX XXXX for help in opening an account with Deutsche Bank with {$14000.00} XXXX XXXX issued in Traveler 's Checks. I mailed the letter via certified return mail receipt. I mailed the letter on or around XX/XX/2022. I received written confirmation of the receipt of my letter XX/XX/2022. I have yet to hear from Deutsche Bank Trust Company Americas.
Consumer complaint received 2017-10-10
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC (OH)

Receivable Performance Management LLC has called me repeatedly every day for the 6 months 2x may be 3 times a day and threatened to serve me with documentation stating I owe this debt. They  stated they would come to my place of employment after I have stated do not come to my place of employment, after I have stated this debt is no longer valid the original company is not persuing this debt. 

Thank you XXXX XXXX
Consumer complaint received 2021-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (MA)

XXXX XXXX XXXX took assumed XXXX XXXX loan. I am the cosigner. I have excellent credit. my niece had a late payment. I called First mark when I saw how much my XXXX XXXX plummeted and they said they have documentation that I was notified multiple times by phone. I NEVER received XXXX phone call. I pride myself on hardwork and have earned my excellent XXXX XXXX. If I had knowledge of a late payment I would NEVER jeopardize my XXXX XXXX. I am requesting that this unfair mark be removed from my XXXX XXXX. I have no history of being " delinquent or in collections and I certainly do not want this to start now. I have worked my entire life to maintain an excellent XXXX XXXX and the impact of this will last many years. I am appalled how this company was not interested in anything I had to say. Again, I must reiterate that I never received a phone call regarding this situation despite what they have on record. 
We have had this loan since XXXX. I have never had a XXXX XXXX lowered or been sent to collections/delinquency since the inception of this loan. 
Please advise
Consumer complaint received 2017-10-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (GA)

I 've personally written numerous letters to this company and all three credit bureaus to have this account removed from my credit. I do n't owe the debt and it should n't be on my credit report, it is negatively affecting my credit score and my quality of life.
Consumer complaint received 2022-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I noticed 2 charges debited from checking account that I did not authorize. I immediately called my bank Wells Fargo and spoke to the Fraud department. They immediately stopped my debit card that they say was used. The two charges were for the same exact amount of {$47.00}, shows authorized on XX/XX/XXXX at XXXX XXXX ' XXXX, CA. The customer service member at Wells Fargo was able to tell me that he did show the card was not physically swiped at the location. I was issued a new debit card as my current one was comprised and a claim was opened. I received notification today that the claim was closed. When I called Wells Fargo they advised me their internal investigation determined it was not fraud and that I would not be reimbursed for those two charges. They will not provide me the location the charges were made from or how they arrived at their determination and what proof they had that I authorized the charge and that it was not fraud. I was also hung up on by the representative when I asked how I can appeal their decision.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

Equifax is reporting fraudulent and incorrect credit card balances on my credit report. I had a block placed due to fraud and incorrect balances with XXXX XXXX, XXXX XXXX. 

XXXXXXXX XXXX is a fraudulent account on all three bureaus collecting for XXXX. I was incarcerated at the time of that account. 

XXXX XXXX is reporting a incorrect balance and have not responded to my request to correct or remove after receiving a check from the XXXX XXXX the balance is {$1500.00} more than the true balance.
Consumer complaint received 2022-11-09
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: WELLS FARGO & COMPANY ()

XXXX dollar around. 
I filed the claim to the my bank well fargo. I thought it will be resolved easily. I purchased something from the personal seller. It was a broken and dirty item. After I received it, I got sick because of its weird smell. And my floor had a lot of tiny Black bugs insects. I had to visit the doctor after that. The doctor said that I probably got affected by bad air or gas. The only thing I have touched with is that item. 

I filled the claim to the well fargo claim center. They never asked me any information. I have all pics and proof. Nobody contacted me. They just closed my case without a reason.
Consumer complaint received 2022-11-09
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: CL Holdings LLC (GA)

On XX/XX/XXXX i noticed that there are several erroneous pieces of information currently reporting to my personal credit report. The accounts are as follows : account name : XXXX XXXX  amount : XXXX date opened : XX/XX/XXXX account name : XXXX XXXX  amount : XXXX date opened : XX/XX/XXXX account name : XXXX  amount : XXXX date opened : XX/XX/XXXX account name : XXXX  amount : XXXX date opened : XX/XX/XXXX account name : dept of education amount : XXXX date opened : XX/XX/XXXX account name : XXXX  amount : XXXX date opened : XX/XX/XXXX account name : XXXX  amount : XXXX date opened : XX/XX/XXXX account name : XXXX  amount : XXXX date opened : XX/XX/XXXX account name : XXXX  amount : XXXX date XXXX account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX date opened : XX/XX/XXXX account name : XXXX XXXX XXXX XXXX XXXX XXXX date opened : XX/XX/XXXX account name : XXXX XXXX amount : XXXX date XXXX account name : XXXX  amount : XXXX XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2023-01-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (FL)

i was approved XXXX XXXX starting XX/XX/XXXX for XXXX  months the first check was sent out on the XX/XX/XXXX the second one was on XX/XX/XXXX have called and put in a ticket and a complaint with both sending and receiving companies XXXX and XXXX XXXX  now told to put in a complaint with you if you can assist i would greatly appreciate it
Consumer complaint received 2017-10-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

I disputed and asked for verification of debt owed, I have yet to receive verifiable proof that I owe this debt ( such as a signed contract with my signature ). They are reporting this debt on my credit file and it is totally inaccurate. I am not aware of any debt owned to XXXX XXXX XXXX. I demand that they provide Proof Of Validation.
Consumer complaint received 2022-11-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NJ)

hi there again, we are having an issue with our bank, that's why i opened a bank account. But unfortunately my old bank hold my money. they never pay our mortgage, so what happened. i called up them, coz my nephew XXXX XXXX, that his credit score went down to XXXX points. And he aware XXXX  we have some difficulty paying mortgage last XX/XX/XXXX. Now, it happened happened, my previous bank never pay our mortgage on the XX/XX/XXXX. So, it was returned, I called up Mr Cooper from Customer Service to dispute the reported to Credit Bureau for missing a month payment, last thursday at XXXX XX/XX/XXXX. Just to verify if they reported us to the Credit Bureau. Per their customer service, they never reported us especially my nephew XXXX XXXX, nothing to dispute. So, again wrong confusing information. Yesterday i spoke with XXXX, she connected me to Loan Litigation, that person name XXXX, he intimated me that they will reported us for delinquency of mortgage payment. Instead of giving us some option, he trying to scare me, which made my XXXX XXXX XXXX. Honestly, my concern only not to be reported to credit bureau for my nephew XXXX XXXX, XXXX he has plan to relocating soon. We are about to do Loan Assumption but they giving us a hard time/difficulty. So, we don't proceed anymore. Our plan is to do " Refinance '' next year so it will totally transferred to our name, since our deed has been transferred to us only the mortgage was not yet. 

All i want is to give us the right information. they need to train their people how to deal with us, if we need to be feel comfortable not to worry. And need consideration. We will never go back to foreclosure issue. It's just i had issue with my bank. Need a consideration, not to intimate or feel scare what will happen to my nephew 's credit score. Need them to be informative, to be trained and give some option, if we need some help not to feel us scared. 

We need help, to let them understand customer 's personal issues. Be understandable, we will not allow to loose our home, it's just need a little consideration. Not to report us to credit bureau already.
Consumer complaint received 2019-12-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I made a purchase on XXXX  the funds were released. I tried to withdraw money from my paypal account. It declined when I tried to have it sent to my debit card. I then called Paypal I had gotten transferred to 3 representatives. The first two representatives said I had limitations on my account. Then the third representative said its a hard security block. Its nothing Paypal can do. I asked but why I have never abused my account and I barely use it. I explained that why would Paypal accept money but then block it for no reason and tell me to wait 72 hours. Up until now I never received an email or anything saying there was a issues with my account. PayPal just says the system does it by itself. The transaction is only {$94.00}. So at this point they wont give me my money not even by check or anything. They wont even close my account.
Consumer complaint received 2017-10-10
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: Credit Karma (IL)

I pulled my XXXX credit report today, and noticed that Credit Karma had been doing many "soft" pulls recently. This seemed odd, since I don't have a Credit Karma account. I tried to open an account, but was told that I "already have an account", but under a different e-mail address. The address they have on file is . XXXX XXXX is my ex-husband, from whom I was divorced back in 2012. (This is not at all the first instance of identity-theft my son and I have encountered, sad to say.)

I have contacted Credit Karma about this identity-theft and fraud, but it's too soon to have heard back yet.
Consumer complaint received 2022-11-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (CA)

on or around XX/XX/22 I received a letter from I.C. System INCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX regrading a claim that I owed a debt for a XXXX XXXX account XXXX The letter clearly states that " how can you dispute the dispute the debt? '' call or write! so I called before XX/XX/22 a spoke with a rep ( did not get her name ). I gave her all my information and was told there was a {$650.00} debt from some address in XXXX  I told I never leaved or been to XXXX I have never even had XXXX I have no knowledge of this debt and I want to dispute it in its entirety. she said okay. Today they have attacked my credit by reporting it to collection trying to cause financial harm, XXXXXXXX stress, and false character XXXX. This is not my debt there is nothing that links me to this account and on the letter they sent me my name is even spelled wrong and name I've used. I spoke with them today and was very upset, because this is a waste of time, money and resources. I will look into legal action because this is not right, but I want to place them on notice with some kind government regulatory to help stop them from doing this to other.
Consumer complaint received 2017-02-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

XXXX ACCOUNTS ON THE EQUIFAX REPORTING TO MY KNOWLEDGE ARE NOT MINE AND I NEVER HAD THESE XXXX ACCOUNTS, I HAVE DISPUTED THESE ITEMS FOR SEVEN TIMES BUT I STILL HAVE NOT RESOLVE THIS ISSUE, AS WELL AS MY INFORMATION DOES NOT REPORT OR GETS UPDATED ON THE WEBSITE WHICH I USE, EQUIFAX IS NOT TRYING TO HELP IN THIS MATTER, PLEASE HELP ME IN THIS MATTER. 
THANK YOU
Consumer complaint received 2022-11-09
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: Nelnet, Inc. (NC)

Sent XXXX & XXXX and Debt Validation to NELNET and certified mail w/signature was signed and dated for XX/XX/2022, signed by " XXXX XXXX XXXX XXXX Received an email on XX/XX/XXXX from XXXX XXXX XXXX XXXX advising me of receipt and they will be working on my correspondence within 30 days. On XX/XX/XXXX, sent a reply to XXXX requesting for the reply since it was well over the 30 days. No one replied up until XX/XX/XXXX, from " XXXX XXXX '' requesting I verify information by giving them my Nelnet acct number, or social security number, DOB and First and Last Name. Also, I should restate question and concern. 

On XX/XX/XXXX, I received a message stating the NELNET account has been closed and the amount has decreased. Still no update from NELNET. 

NELNET has destroyed my credit report along with my reputation to gain additional credit since this reporting is derogatory on many levels. 

I am demanding this account deleted from all CRAs including but not limited to, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-11
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 — Problem with personal statement of dispute
Company: Affirm Holdings, Inc (NC)

On XX/XX/XXXX, Affirm was notified via email regarding circumstances beyond my control. From XX/XX/XXXX to XX/XX/XXXX, I was hospitalized due to XXXX XXXX XXXX XXXX that resulted in worsening medical conditions that began to harm my XXXX XXXX conditions. I was literally in XXXX multiple times fighting for my life. During this time, I did not have any access to my cellular phone nor did I have communication with anyone except immediate family. Affirms CEO, XXXX, was made aware of this, and instead of reading my email to understand the circumstances beyond my control, he forwarded the email to a customer service supervisor at his company, and denied the request for a good faith removal of a delinquent payment on my personal credit report. Per the wording of the message received on XX/XX/XXXX, We completely understand when circumstances are out of your control and you may be late on a payment. However, please understand that Affirm has a regulatory obligation to report accurate information to the credit bureau and can only change reporting when an inaccuracy is identified. If I wouldve XXXX in the hospital, I am curious as to how Affirm wouldve been able to collect the remaining funds for my account? The insensitivity is beyond disgusting, as it appears that they think someone is supposed to continue life as normal and pay bills while fighting for their life?? Is this what the world has come to now? Is their CEO that greedy that he cant even remove a delinquency due to circumstances beyond someones control? Ive literally been an on time paying customer FOR YEARS, and never had a PROBLEM PAYING LATE until I WAS HOSPITALIZED!!! All of the accounts were paid on the day of my release, yet I still received harassing phone calls from Affirm ; I had to advise the collections department to refresh their screen and review my account for accuracy. All I received was, Im sorry maam. but in my case, its not good enough. I am requesting a second review and REMOVAL of the delinquency payment since ALL accounts were made current on or before the 30th day or legal action WILL be pursued. 

Disclaimer : DUE TO PUBLIC INTERNET FORM, PRIVACY LAWS, & HIPPA, DOCUMENTATION WILL NOT BE SUBMITTED.
Consumer complaint received 2022-11-09
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: ACIMA CREDIT, LLC (NY)

I submitted XXXX disputes based off of identity fraud, once in XX/XX/XXXX and second in the beginning of XX/XX/XXXX and both times it wasnt removed and when I reached out to the company XXXX I was turned away and told I need a police report. When I went to a local XXXX police precinct, XXXX, on XX/XX/XXXX I wasnt able to file a report because I didnt have fraud affidavit from Acima and when called in the presence of the police officer I was informed they do not provide that and I wasnt able to proceed.
Consumer complaint received 2022-11-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (CA)

XX/XX/XXXX I submitted my documentation to obtain an Authorization Letter from Kia Finance to ship my vehicle. I am currently financing my vehicle from XXXX so when I moved from XXXX XXXX XXXX  ( XXXX move I'm serving in the XXXX ) I needed that document to allow the shipping of my XXXX XXXX XXXX. Their website says it'll take up to 5 business days to obtain the letter. Now, XX/XX/XXXX I have no received the letter nor any clarification of why. I've called numerous times ( 4-5times a week ) and have had no assistance what's so ever. I'm not behind on payment, I've submitted their documents, and have waited more than their required time.
Consumer complaint received 2017-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (PA)

The atm at Huntington ( XXXX branch ) failed to disburse {$100.00} out of one of my accts at atm but gave a receipt and took funds from account. I filed dispute number XXXX on XXXX XXXX 2017. I am on Social security as is my brother who is on the acct with me. We can not afford them to hold our money. There is no reason that in a weeks time they could not know that atm had {$100.00} too much in it or look at cameras to see no funds disbursed.