davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (CA)

I sent {$130000.00} to Wise.com via Wire transfer on XX/XX/XXXX at XXXX XXXX time. The funds were delivered to Wise.com on XX/XX/XXXX at XXXX XXXX. This was meant to be an international transfer used for an emergency medical purposes. I chose Wise.com for their promise to deliver on XX/XX/XXXX itself. The funds were not delivered on XX/XX/XXXX, so I called on XX/XX/XXXX, and XXXX XXXX the agent I talked to ) told me there has been a hold up at the partner bank in XXXX and the funds should be delivered in a day or two. So I called again on XX/XX/XXXX, and talked to XXXX, who said the same. I called again on XX/XX/XXXX and talked to XXXX, this time he promised the fees of {$700.00} to be refunded due to the delay. But promised the funds will be delivered on Friday XX/XX/XXXX or Monday XX/XX/XXXX. Over the weekend, I got a call from XXXX also promising the same. I called again on Monday XX/XX/XXXX, spoke to XXXX, and heard that XXXX bank rejected payment. And again on XX/XX/XXXX I called and the lady promised no specific date when the funds will be delivered or refunded to me. 

After XX/XX/XXXX, even their tracker in app and website stopped showing updates.
Consumer complaint received 2022-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This unverified accounts listed below continued to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and TransUnion Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require this account to be validated ( A ). I will take legal action against you if you do not validate this account. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-04-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2015-04-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

XXXX claims to have sold the loan and servicing rights to an outfit called Select Portfolio Servicing, but after calling I have learned that the new lender and servicing company have no record of me or my account. I am convinced that payments sent to the new servicer will not be credited properly. They do not even have a Website.
Consumer complaint received 2017-04-10
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (SC)

I have a XXXX Visa Card serviced though XXXX Bank. I always payment my statements as soon as they come due. One day, I noticed that the account number on my statement was not right a few days later another statement came. It ends up there are two seperate accounts open in my name. I have made payments on both account in the past by mistake. I have called the bank and tried to explain the situation and was treated very rudely. I have had my attorney contact them and notify them that we dispute the second account and that it must have been opened fraudently. The amount due is fairly trivial, I just want the account closed before whoever opened it tries to use it again. XXXX has been very uncooperative with both me and my attorney. They have sent my attorney a packet of statements, with crudely scribbled notes on them, which actually indicated 3 accounts were open, when questioned, they said it was an error and only two accounts were open, but still they have not closed the fraudulently opened account. We are elderly and I feel that I am being taken advantage of.
Consumer complaint received 2022-04-12
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. (DE)

Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX $ XXXX XXXX XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.
Consumer complaint received 2022-04-12
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)

In accordance with the Fair Credit Reporting Act The Creditor : XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-12
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (WA)

I have a decent credit score of a XXXX. I was going to my different credit card companies that I already belong to to see about getting a limit increase so that I could raise my credit score and finally get to the XXXX club. They all told me whether or not it would be a soft or hard pull except Best Buy. When I tried doing this with Best Buy and their credit card on their app, it did say that theyre going to do a pull on my credit report but I was under the impression it was a soft pull. It didnt say it was going to be a hard pull. Im not applying for a new credit card, I was just applying for a credit limit increase. If they wouldve told me it was going to be a hard pull I wouldnt have authorized it. When I called, they said that there was nothing that they could do because it was already processed and I would have to call XXXX. When I called XXXX, they told me I would have to contact you. In the end if Im not able to get this taken care of, I can at least worn others that this is the case. That if you do a credit limit increase through Best Buy they will indeed do a hard pull. Which I was unaware of.
Consumer complaint received 2022-08-17
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. (MD)

XXXX/XXXX/2022 Called to demand deletions because the bureaus did not have consent and was hung up on. Told I was going to be transferred and was hung up on again.
Consumer complaint received 2017-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (IL)

During the entire time that Navient has been servicing my student loans, not once have I been offered the option of an IDR PLan because I could n't make my monthly payments. I have been unemployed since XX/XX/XXXX and have been reapplying for various deferments and forbearances. I have maxed out the allowed deferments that I 'm eligible for and now that my last deferment is ending in XX/XX/XXXX, I thought that my only option of deferring payments was through voluntary forbearance. It was n't until I asked about IDR Plans is when the option was ever suggested to me. I even asked the CSR about the different options that are offered under IDR Plans. The CSR acted like there was only one option available to choose from. On the Navient website and the Federal government 's Financial Aid website, I know that there are 4 options that I could possibly apply for : REPAYE, PAYE, IBR and ICR. I wish the CSR could have been more knowledgeable because she acted like I did n't know what I was talking about.
Consumer complaint received 2017-04-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (MD)

Incorrect Name : XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

Incorrect Social Security Number : XXXX This SSN is incorrect and is not an accurate SSN for me. Delete this SSN and any accounts associated with it for violating the FCRA. 

Incorrect Address : XXXX, MD XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA. 

XXXX, MD XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA.
Consumer complaint received 2015-03-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Federal Pacific Credit Company, LLC (TX)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
Consumer complaint received 2018-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

My wife and I asked Citibank N.A. to change the name on our checking account to the name of our trust. Approximately 10 days later, the money in our account was frozen, what they call blocked. It was blocked from XX/XX/XXXX until XX/XX/XXXX. During that time, we were not notified of the action that they took. On XX/XX/XXXX we deposited {$10000.00} into the account. We were not told at that time that our account was blocked. So, we could deposit money, yet withdraw nothing, nor were any checks paid by Citibank from our account. When I paid bills online, the payments were electronically confirmed, yet nothing was paid.Nor was any notice placed to notify me online, i.e. no messages to indicate the blocked status of our account. Subsequently, a check did clear the bank when submitted by a creditor for the second time on XX/XX/XXXX. None of the electronic payments I made during that period were made good. This, of course, caused problems such as late fees.

When I called the Citibank unit called " Know Your Customer '' I was told that our account was blocked because the local branch did not respond in time to questions regarding our Family Trust. We don't understand how this can be legal.
Consumer complaint received 2015-10-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (CA)

Mortgage company to shell point mortgage in the last two months they raised our payment which is a XXXX fixed. From XXXX to XXXX. All they do is is call and want my payment and canr tell me what this amazing outrageous new payment of XXXX is for all they tell me is escrow with no explanation. There are other issues it is a mess please help XXXX XXXX XXXX
Consumer complaint received 2022-08-04
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

In previous months, I requested correction of inaccurate information which another credit reporting agency found to be inaccurate and had fixed. Due to CREDIT BUREAUS ' lack of response, which I classify as frivolous, XXXX and XXXX have dishonored FCRA regulations and my request for verification. If they wish to correct this dishonor, I will give them XXXX more chance to correct their errors and FIX my record. Please Fix the account XXXX XXXX XXXXXXXX Balance Owed : {$2400.00}, which CREDIT BUREAUS have failed to provide proper verification and another bureau has found to be inaccurate. You have XXXX days to FIX the account listed.
Consumer complaint received 2015-08-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

The account showing in collections has been paid long ago and the company saidthey reported it as paid but that is not the case. I need this removed from the report and also my BK has been over 7 years so I would like that removed from the public record as well.
Consumer complaint received 2017-04-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (AZ)

Keep getting harassment calls from my mortgage service company Seterus , Inc. My mortgage is due on the XXXX of each month and late on the XXXX. Continuously receiving calls from this company even though the terms of mortgage payments are being met. Mortgage is usually received between the XXXX and XXXX of each month which is within payment requirements. I have asked this company on numerous occasions to cease and desist with this unwarranted and harassing calls but to no avail.
Consumer complaint received 2022-04-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (GA)

This complaint is regarding an issue with a set of transactions I had while banking with Wells Fargo. To preface this, I have been banking with Wells Fargo since XXXX however this is the last straw and I will be taking my business elsewhere. I filed a claim with Wells Fargo regarding a set of three XXXX transactions for merchandise in XX/XX/XXXX. There were 3 total charges with a grand total of {$990.00}. The issue with these transactions were that the merchandise I paid for, in this case shoes, were not received as described as they were fake and essentially had no value. This was in direct contrast to what the merchant advertised as they were clearly stated to be authentic. After making all of this information clear, providing proof, and filing the claim, Wells Fargo still would not side with me on this dispute for any reason. Fast forward to now and Wells Fargo has broken their own rules by very sneakily refunded certain Wells Fargo customers for so called " fraudulent transactions '' even though their policies clearly state that XXXX transactions can not be reversed or undone for any reason, which is exactly what they told me regarding these XXXXl transactions however they have made exceptions for other customers for claims worth way more than mine which was less than {$1000.00}. It is ridiculous to me that Wells Fargo would rather lose my business after 11 years than simply do the proper research and cover me for this situation but I will gladly take my money elsewhere now. If anyone has the opportunity to read this, please do yourself a huge favor and bank with literally anyone besides Wells Fargo.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

The problem Having with Equifax is reporting a XXXX  XXXX XXXX Account : XXXX This Account Has exceeded the Statue of limitations allowed. 



By LAW this account must be Deleted off my credit report. It Must be Deleted today.
Consumer complaint received 2020-04-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Integrity Funding Ohio, LLC (TX)

I tried to get an extension due to the loss of my job because of COVID-19. I left them a message after they called me about my payment on or before XX/XX/2020. I asked for an extension on my balance of {$580.00} ( approx ). I was told the main office would not open until Monday of the week of the XXXX. 

They called me on Monday the XXXX to let me know I had to pay {$270.00} and the rest in XX/XX/2020. I told them I did not have the money. I asked for a better extension and was denied ( spoke to XXXX ). I was told them all I had was {$200.00}. This money was supposed to be for my light and water bills. They took the {$200.00} and refused to give me an extension for the XXXX payment because I had an agreement I had to fulfill. The agreement was made in XXXX when I filed a complaint against them. 

It is out of my control that we are dealing with Covid19. I am now struggling to pay my utility bills because I had to pay them the {$200.00} on the XXXX of XXXX, 2020. 

It is sad to say, while they were taking all my interest money in the past they were very happy with me as a client. Now they are rude and ugly to me. I gave them so much interest money it is pitiful they treat me like this now. 

My balance is now approx {$390.00} and I can not pay this in XXXX. I am willing to pay it in the installment of {$130.00} in three months. If they refuse and take my car I will sue them. I have never refused to pay them. 

XXXX XXXX
Consumer complaint received 2017-04-11
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO. (IL)

Hi - My name is XXXX and I opened a Checking Account with Chase ( at the XXXX branch in downtown XXXX ) on XX/XX/2017. I was told by the banker that I could be approved for a credit card and hence agreed to apply for their Chase Freedom card the same day. The following week, I received a letter from the bank asking for my SSN card as well as photo ID proof to process the application for following which I submitted my documents at the Chase branch at XXXX in downtown XXXX on XX/XX/XXXX. I was assured by the banker at this branch that no other steps were needed for my application and I should expect the card in my mail soon. However weeks had passed and the only letter I received was one acknowledging the receipt of my SSN and that no other steps were needed for my application ( dated XX/XX/2017 ). Having not heard anything for a month, when I called the helpline numbers of Chase, they deny having received my documentation and tell me that I need to reapply, which would require another hard pull on my credit score. 
Had I not qualified, I would understand a rejection of my credit card application but having promptly provided them with all the information I had been asked for, I feel that I have not been treated fairly by Chase. There has been no communication and a lack of care and transparency from their end. 
I request you to look into the matter and take the required action. 

Thanks, XXXX
Consumer complaint received 2016-04-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Asset Management Outsourcing, Inc. (MN)

There was not a bill from the nonprofit XXXX hospital that I visited. They had agreed to see me with no charge since I did not have any income or any insurance. This was all agreed upon before I was seen. I do not owe this collection agency anything and this must be removed from my credit report.
Consumer complaint received 2022-04-11
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions