davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-21
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account.
Consumer complaint received 2024-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (FL)

In XX/XX/2018 I enrolled all my credit cards with XXXX XXXX XXXX XXXX including XXXX so I don't have to deal with these creditors myself. I managed to pay all my credit cards on time until I got laid-off my job. After XXXX month, I still not able to find a job and all my savings start drying out & I start falling behind my bills. 
XXXX sold my debt to a third party without my knowledge and I don't even receive a notice from the original creditor. LVNV Funding LLC is now owed my debt and placed my account to XXXX credit bureaus with the amount of {$7400.00}. I don't think I owed this much of money from my credit card as my limit given to me is only $ XXXX by XXXX and I already been paying them before I even fall behind my bill. LVNV funding keeps reaging my debt every year from credit bureau which hurts my account. They failed to provide me the agreement with the original creditors regarding this debt and all payment transactions made to XXXX.
Consumer complaint received 2024-03-05
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL (FL)

My account has been suspended since XX/XX/2024. 

When I tried to move the money to my other bank account ( under my same name ), they put my account on an unfair restriction and have not been able to access my money up to this date ( XX/XX/2024 ). 

They have put my money on hold for months now. 

I want to close the account at this point, but they won't let me. 

No answer, no information. I have called multiple times and they are not able to give me an answer either, they keep saying they can not tell me anything and that I will hear from them soon. 

My fear is this is retaliation for me moving money out of their company.
Consumer complaint received 2024-03-05
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (VA)

I received an American Express gift card for {$500.00} for XXXX. I visited AmexGiftCard.com to confirm the balance. 
I can not use the card at XXXX, I can not use it at XXXX, I can not load it to my XXXX XXXX, and I can not load it to my XXXX app. I can't pay for my XXXX subscription with it. I can not pay for my meal prep services with it ( XXXX XXXX ). 
I called XXXX on XX/XX/2024 at XXXX ET to complain. The person said that they could see that I was declined at XXXX and at XXXX XXXX, and now my total was down to {$490.00}. That was an unfair and unexpected fee to pay for being declined. 
I was told that I need to use the card at a merchant that asks for the CVV. XXXX and XXXX XXXX DO ASK for the CVV. I asked for a list of merchants that would accept this card, and i was told Amex doesn't provide such a list. 
I feel like my boss ( who gave me the card ) was scammed.
Consumer complaint received 2024-03-04
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

Hello didnt want to do this but I had this XXXX $ Vanilla master gift card purchased for me on XXXX and tried to submit an order but it was cancelled and I never received the refund a couple days past thinking I would get a refund nothing so I contacted this company and they just made it so couldnt use the card until the dispute is resolved. It has now been about 3 months have yet to receive an update anything. I can provide the case number the card number anything
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (OH)

I sent many complaints and it has been over 3 months and still no change to my report all of the companies listed below in the attachment used my personal information without my consent. And still have yet showed proof of them having my permission to do so. I demand these thing be removed from my report immediately.
Consumer complaint received 2024-03-04
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MO)

In XX/XX/XXXX, I purchased a Vanilla Visa e-gift card for {$50.00} online at XXXX  They were running a promotion with a {$0.00} activation fee. I thought I would purchase it for myself to try it out before buying one as a present for a family member. As of XX/XX/XXXX, I haven't been able to use the gift card online to pay my bills or make purchases due to it being declined. On XX/XX/XXXX, I called XXXX ( their help line ) to ask for a refund. After speaking with a supervisor they said I would receive a refund check within XXXX weeks. XXXX weeks later and I still haven't received my refund. I called back today on XX/XX/XXXX and they said my refund request was denied and there was nothing they could do. 
See cardholder agreement for cards starting with XXXX on XXXX XXXX XXXX XXXX XXXX Note : Cards are distributed and serviced by InComm Financial Services, Inc. , which is licensed as a Money Transmitter by the New York State Department of Financial Services
Consumer complaint received 2021-11-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/2021 we made a payment of {$12000.00} to XXXX XXXX, XXXX XXXX XXXX, XXXX, MA, XXXX at a XXXX XXXX account # XXXX XXXX XXXX. We subsequently learned that the account number was incorrect, XXXX XXXX does not have an account at XXXX. Please see attached for required fields in order to process payment - first name, last name , street address, city, state, country and postal code are all required fields for the transaction. Bank of America validated the recipient information. 

Subsequently, we learned that the account number was not correct and does not belong to the intended recipient. We immediately contacted Bank of America to put a hold on the transfer. Bank of America assured us that the funds are guaranteed to never make it through as there is a mismatch between the recipient and the account number. They assured us the funds should be back in our account the next day. 

To our surprise, the funds cleared from our account and were sent to the account number above, that belongs to a recipient unknown to us. To add insult to injury, we received a shocking note from Bank of America, simply notifying us that our claim to return the funds has been denied. This logic is equivalent to us sending a check to the recipient at an incorrect address and the receiving party depositing the check in their account, with a complete disregard for the fact that the intended recipient was someone else. 

As you can imagine, we rely on adequate security measures of large institutions such as Bank of America. In this instance, these security measures failed and we demand the refund of the full {$12000.00} so we can pay the intended recipient. 

Regards, XXXX XXXX
Consumer complaint received 2024-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (CO)

newrez was our previous mortgage lender because we just did a refi. We had an escrow account. They were supposed to pay our property taxes for the first half of 2024. The money disappeared from our escrow account on XX/XX/2024. And as of now ( XX/XX/2024 ), XXXX XXXX still hasn't received it. It's been almost a month. Where's the money? I've heard similar complaints before. Now it's happening to us. This smells like a dishonest company.
Consumer complaint received 2024-03-04
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

First, I am XXXX. My XXXX is direct-deposited monthly into my Bank of America checking account. For my XX/XX/2024 deposit, I moved most of it to my savings, and a few days ago the XXXX XXXX XXXX was given my last {$260.00}. Bank of America claims that it is correct that they can not attach my XXXX money, but if it moves out of the original account it was deposited into, it's fair game. XXXX says they don't tell B of A what to do, and they won't give my money back. I am penniless until my next XXXX XXXX  XXXX deposit. It is hard to understand that they can leave me with no money for anything, food, transportation, bills ... .when it is perfectly clear those funds are from my XXXX.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/year> I received an email from Chase Bank stating : XXXX XXXX XXXX : At Chase, were always working to keep your money safe. Due to recent activity, or because we need more information from you, we have restricted your account ( s ) and may need to close it if we dont hear from you soon. This includes your account ( s ) ending in : XXXX XXXX We understand this is inconvenient, but protecting against fraud is a top priority. 

Please act quickly to better understand the restriction on your account you may be able to provide the information needed to keep it open. 
Heres what you should do Please call us at XXXX soon to see if we can address the issue. You can also call the number on the back of your debit card or on your account statement. We look forward to speaking with you. If weve already spoken and resolved this, you dont need to do anything else. 
While the account is restricted, heres what to expect You cant withdraw money or make purchases. 
You wont be able to sign in to chase.com and the Chase Mobile app.1 We may reject direct deposits and automatic payments, so please notify companies that send or receive these transactions. 
We may not honor checks associated with the account. 
If we close the account and there is a remaining balance, well send you a check by mail to the address on file. You should also destroy any checks and debit or ATM cards associated with the closed account. 

We apologize for the inconvenience, and we urge you to contact us as soon as possible. Thank you for your prompt attention to this matter. 

Sincerely, Customer Support Team After receiving this email I immediately contacted the bank and they stated that the " back office '' is investigating my account and because of that they froze all my funds, locked me out of the app and said that they were going to close my account in ten days and " send the reminder of my funds to my via cashier 's check ''. I asked why and they said that they didn't have any information available, then they stated has a bank they can do this at anytime and there's nothing I could do. They said they would send me a letter that would explain why but the letter is stating only what I was told by the representatives and supervisors with no other explanation. I researched to see if I was the only one that this was happening to ; however, I found out that they are doing this to thousands to people and a lot of people have been waiting months to get there funds back, many are not receiving any of their funds back ... .... I should have a little under {$1500.00} in my account. I just got paid from my job a few hours before they did this to me. This is not right and should be illegal and considered fraud. I work hard for my money and deserve to be able to pull my funds out but no one from Chase is helping me. PLEASE HELP
Consumer complaint received 2020-05-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/2019, I recieved a text message on my phone, Inviting me to apply for a job XXXX XXXX XXXX XXXX by means of a XXXX XXXX XXXX XXXX. They pay offers was {$1000.00} per month for 1 year. 
On XX/XX/2019 I recieved a check for {$3900.00} by XXXX XXXX, I was asked to deposit the check and withdraw, {$3.00}, XXXX cash and pay the XXXX XXXX, and keep the rest for my advance payment. 
The next day, XX/XX/2019, I was excitedly reported to my boss, and told me I was being scam. The same day we went to the bank and reported it and make the deposit stop. MY bank was bank of America. They called costumer service and made it stop. 
The next, totally unwarranted, action by Bank of America was to close my checking ang saving account for fraud and reported fraudulent activity to XXXX and XXXX XXXX XXXX. Please help me in this matter, I have tried opening bank acct and I always get decline. I am a single mom with XXXX kids, all I want to do is to be able to provide for my kids, not knowing this will happen to me.
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX and XX/XX/XXXX, my American Express credit card information was used to withdraw cash from various ATMs across the city. At least XXXX transactions were attempted and XXXX were completed. My card was used to withdraw over {$2000.00} plus cash advance fees/interest. 

My card was in my possession the entire time so the card information, including PIN, were stolen ; I believe from a compromised XXXX XXXX ATM the day before the fradulent transactions took place. Since a PIN was used, AmEx doesn't recognize these withdrawals as fraud and I am now responsible for the $ XXXX that was stolen.
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (WA)

I have submitted a complaint on American Express before, but I forgot some very important information so I am hopeful that you will take another look at my complaint. 

I was an Amex customer for more than 17 years. 

I paid my balance in full and on-time each and every month. 

I had a Gold card and I had a XXXX XXXX. I also got a XXXXXXXX XXXX for my son. 

I had put a limit on my son 's card that he went over routinely. I had questioned " why ''? I was not given any answers from American Express. After dealing with this issue for months and months, I called Amex and I asked why the card was going over its " limit and I was given wrong information and then hung up on. This made me angry. So, I called back and the person I spoke with next was also not very helpful. She did not seem to care nor empathize with my plight. I used a swear word. She told me she would get my account closed for this and she would be glad doing it. 

But, here is the thing. Per the credit card rules you can not close someone's card if they have a dispute -- which I did, and which Amex never did anything or in any way to deal with or help me solve. They simply closed my account, and in doing so never helped me with my problem. They also took away credit that I badly needed and they hurt my credit score badly which caused me a hardship. 

This should not have happened.
Consumer complaint received 2021-10-06
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. (NV)

To whom it may concern, Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or a similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is in 15 USC 1602 ( 2 ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit ''. Notice Congress said any card. The credit card is my social security card. They should all be removed from my report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you please remove these from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

I declare that this is a true and factual statement pursuant 28 USC1746.

Sworn : XXXX XXXX Signed : XXXX XXXX SS # XXXX
Consumer complaint received 2015-05-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (VA)

sls specialized loan servicing llc mortgage brought my mortgage in XX/XX/XXXX and been making it very hard to pay and then adding late fees when I cant get any one to take payment then when I try to pay wont let me they say I owe next month before it even comes thanks for trying to help
Consumer complaint received 2023-12-02
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TN)

IN XXXX PAYPAL LIMITED MY ACCOUNT PERMANENTLY AFTER I HAD RECEIVED XXXX XXXX TO MY XXXX! in an email they assured me that I will get me funds in 120 days. time has passed and I am unable to add any bank account to withdraw my funds! they are complete scammer!
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX ( XXXX ) has been inaccurately reporting myself as an authorized user for a credit card when I received confirmation on XX/XX/2021 that I had been removed. This fraudulent reporting has cost me hundreds if not thousands of dollars and negatively impacted all 3 of my credit scores.
Consumer complaint received 2017-02-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (FL)

Attempted to do a loan modification with Shellpoint. Submitted multiple sets of documentation over the last 6 months with absolutely no phone contact with them. They just turned me down claiming I do n't qualify for a mortgage reduction. Homes directly across street sold recently at XXXX. I do not accept their decision. Especially since they operate so shady.
Consumer complaint received 2021-11-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

In XXXX I took out a HELOC with XXXX XXXX. The terms for repayment were as follows : 60 payments {$850.00}. beginning XX/XX/XXXX 119 payments {$750.00}. beginning XX/XX/XXXX 1 payment {$750.00}. beginning XX/XX/XXXX According to my original contract my terms for repayment are listed above. My complaint is that in XXXX, I was behind on my payments and Chase Bank, the institution I submit my monthly payment to, sent me a notice in XX/XX/XXXX, offering me a partial claim HAMP. I was not to clear on what it meant, I was under the thought that it was intended to help me get caught up on my arrears. I called Chase as it was listed as my loan servicer, I asked who the investor was and questioned why my MIN number /MERS account is listed as inactive. I have been paying on this HELOC for 17 years and it was originally a 20 year loan to end XX/XX/XXXX. I ask Chase for my documents and I have uploaded a copy of what they mailed to me and what I have as original Note and TILA. I have also discovered that the Notary Public that signed and stamped the Modification Agreement to verify the Vice President who signature, XXXX XXXX. The Notary Public is not real as I searched the Secretary of State website in Michigan to locate her. The website does not have XXXX XXXX ever as a Notary in the state of Michigan. Chase bank did not calculate my loan properly over the lifetime of it. I find that this HELOC has been paid since my XX/XX/XXXX. 
I would also like to add that I have had my loan number change at least twice. I went into Chase to make a payment and was told that the loan number did not exist.