davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (IL)

The company in question is Zelle Pay. They cancelled a transaction and refuse to ensure my money is returned. I have used this service a couple of times already to pay my landlord XXXX XXXX for rent. He has a Zelle participating bank account with XXXX. My bank account is with XXXX, which is not participating in Zelle and I have been using the Zelle Pay app. 

On XX/XX/XXXX I sent {$500.00} which was posted successfully from my bank account. Unlike the other times, I received no confirmation from Zelle. On XX/XX/XXXX Mr XXXX received an error message stating the transaction was cancelled. Neither me nor my bank ( XXXX ) received any notice of any issue. No money was returned to my bank or to me. This transaction does not appear in my Zelle user history!! 

On Sunday XX/XX/XXXX Mr XXXX informed me that he did not receive my payment. 
On Monday XX/XX/XXXX I called my bank and they confirmed sending the payment successfully to Zelle. Mr XXXX called XXXX and they confirmed the payment was not successful and had been cancelled. I reminded him this could not have been cancelled by me as Zelle does not allow users to cancel. It was cancelled from the recipient bank ( XXXX ). 

On Tuesday XX/XX/XXXX I called Zelle to find out when my money would be returned- they said it is my banks responsibility not theirs and that my bank has the money. I called my bank and found this is not true. XXXX from XXXX and I did a three way call with XXXX the supervisor at Zelle who also claimed Zelle is not responsible for these transfers and does not maintain transaction records. She gave us the cancelled transaction number and had no other information. XXXX from XXXX said that she filed an internal dispute paperwork but is unable to complete it without tracer information from the transaction history, which is a basic record that Zelle should have on file. The Zelle rep told me to fill out an online request which I did. I never received a response. 

On XXXX XX/XX/XXXX and XXXX XX/XX/XXXX I again called Zelle and was refused further information or assistance. The service reps are instructed to claim that the money was immediately returned to my bank and to my account. Neither is true and I called XXXX again to confirm this. I said to the Zelle representative that this transaction was not completed as per my authorization and that I would follow up with a fraud dispute. I again was told there is no transaction information kept by Zelle. 

Zelle Pay is failing it's proper diligence for a company that advertises widely as a safe Financial service backed by major US banks. It should be investigated and sued for there are many consumer complaints of fraud and lost money.
Consumer complaint received 2019-08-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

As of XX/XX/2019, I have been receiving numerous back to back calls from different states such as Florida, Missouri, Louisiana, Illinois, Ohio, Arizona, Colorado, California, New York and Maryland. As of today XX/XX/XXXX i finally answered the phone and it was Portfolio Recovery in Utah. I asked them why have they been calling me back to back or every hour from different states. He states that they have different businesses in several states. I informed them that at this point they are harassing me calling me like this when I dont have a reason to speak with them. I dont believe that it is right for them to harass me like that especially calling me back to back every hour 2 or 3 times from different numbers.
Consumer complaint received 2019-08-08
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: Experian Information Solutions Inc. (TX)

Experian allowed XXXX XXXX to reinsert their account back on my credit report and not notifying me within 5 days of doing it XXXX XXXX account been deleted for sometime and out of no where it's back on my report with no explanation which ruined my credit score again ... I want XXXX XXXX to leave me alone that they already did enough damage to my credit report and not giving me due process
Consumer complaint received 2020-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NY)

AMEX had cancelled my CC account [ AMEC Card No. - Last 5 : XXXX ] as they had terminated their relationship with the alliance [ XXXX  ]. 

However, they had continued to charge me monthly/annual interest fees as well as some late fees. 
I understand that thee fees are not permitted once the grantor [ AMEX ] cancels the card. 

I therefore will not make any monthly payments on the account until the problem is rectified ; reimburse my interest and fees since the date of the cancellation.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I mailed a letter to XXXX XXXX XXXX, and I requested a 1099C to be sent to my address so I can file the canceled debt as gross income on tax return. I have yet to receive what I request. The reporting of this account is in accurate, income does not get reported on the consumer report. The IRS clearly defines a charge off as Gross or Ordinary income.
Consumer complaint received 2019-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (NV)

IC SYSTEM ( 11 XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$830.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2019-08-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I have tried to modify my loan currently held by Specialized Loan Servicing. I  believe this loan is a predatory loan as the interest rate is 11.3 %. It is a purchase money loan which I got before the financial crisis that occurred about 10 years ago.. I did not receive any invoices for quite a long time and was told the loan had been forgiven. I'm now told by SLS that I am in default and risk foreclosure. Between having thought the loan was forgiven, the missed payments and the exceedingly high interest rate SLS is telling me I owe them 1/3 of the amount now owed on the loan. The balance is much higher than the original loan amount and I just can not afford that kind of payment They just refuse to work with me and denied my request to modify my loan. This lender is not considering that the current interest rate on my loan is completely out of line with interest rates that have been granted in the last several years.
Consumer complaint received 2019-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (CT)

I have a navy federal secured rewards card. I do love this business however i am having difficulty getting my account resolved the proper way. I fell on hard times and my credit card payments defaulted. I did make a payment towards my balance and i also called to have the {$500.00} that i payed for the card applied to my balance however they won't apply it for some reason which is not a problem if they give the money back instead of holding it.
Consumer complaint received 2019-06-25
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 (FL)

I have a rewards savings account with Bank of America, and in late XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX company began withdrawing funds in another individual 's name on a recurring basis every month, until I noticed the account was looking less than it should be and reported it to BOA in XX/XX/XXXX. Bank of America then replaced the {$2200.00}, but then took back {$860.00} citing that it was past the time frame. My complaint is that Bank of America took my monies and gave it to another person without notification to me. Also that I and all banking customers aren't made aware that our money after 90 days isn't safe in banks, if indeed there is such a federal regulation.
Consumer complaint received 2019-08-08
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: Experian Information Solutions Inc. (TX)

Sent a police report and ftc report on fraud from someone stealing my identity and opening false accounts in XX/XX/2019 for collection XXXX XXXX XXXX/ XXXX XXXX # XXXX $ XXXX.Experian and XXXX did not remove from my credit report even when all evidence was presented. very detrimental to my credit profile and need to be removed as soon as possible.
Consumer complaint received 2020-07-23
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: Experian Information Solutions Inc. (UT)

I had made a non-typical student loan payment via " phone '' in XX/XX/XXXX. Apparently, what I had discovered was that my original phone payment transaction did not properly post to my student loan account. The transaction did NOT post for lack of funds in my bank account but rather an error on the creditor 's part. Eventually, I was told by an XXXX representative, the debit card did not process correctly due to possible transposed digits It was listed in the XXXX system as, Per Debit Split Card Not in Network. 
In turn, per XXXX 's policy, they do not make any immediate attempts via phone or email to notify their barrowers that the payment transaction did not properly post because of such a transaction error. XXXX never made any immediate attempt to notify me that there was an error on the card payment but rather let this error sit and stagnate. 
With today 's technology, it's interesting how such immediate notifications via text, phone and borrower 's personal emails are so readily available for such issues that XXXX still remains to rely so heavily on their XXXX website inbox and/or U.SXXXX mail. 
On XX/XX/XXXX, I then made the second transaction of {$15.00} plus my regular monthly payment of {$46.00} to correct their card payment error. 
At the time, I stated to the XXXX representative being a long-time borrower ( XX/XX/XXXX ) that my only concern was that this error does not negatively impact my credit rating. 
The rep assuring me that any negative reporting would not happen. 
The end result was that XXXX reported a 30-day late payment to all the three credit bureaus. 
I have the enclosed my dispute document that I sent to XXXX XXXX XXXX XX/XX/XXXX for your review. 
Thank you, XXXX XXXX
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I found an error on my report from my account with XXXX XXXX   stating that Ive missed a payment for XX/XX/2020. XXXX XXXX has deferred my loan from XX/XX/2020 to XX/XX/2020 due to Covid-19. I was told that I can still make payments towards Escrow during any time of that particular month. My Escrow payment isn't required but should not report as a late payment ( especially if it was paid during XX/XX/2020 ). I've emailed XXXX XXXX twice on XX/XX/XXXX and XX/XX/XXXX for clarity but they will not answer my questions but only respond to me when I'm submitting a payment. 

I've also submitted proof of payment and proof of mortgage deferment to the credit bureaus to remove the error and in return, XXXX XXXX   has verified the late payment as accurate AND listed a personal statement on my behalf ( without my permission ) to my credit report that reads " I am unable to make timely payments due to the impact on my job/wages as a result of the Covid 19 pandemic. XXXX XXXX   XXXX XXXX XXXX. ''
Consumer complaint received 2019-08-08
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (IL)

I contacted the lender Freedom Mortgage for a status update for a loan modification application that was submitted to them this was on XX/XX/2019 I was told that there were some docs missing and so I gather the requested docs and faxed and emailed them to the lender I also had confirmed with them that if I provide these docs and the client is under review if the date of the sales for XX/XX/2019 would be put on hold I was told yes so I called the lender today to find out the status again and the lender tells me that they only received part of the fax once again. I refaxed and re emailed I have confirmation that the fax was received again, so I waited an hour, ( per lenders request ) and was told that the home was sold. I escalated the situation to a supervisor and was told that there were none available. After waiting on hold for 24 mins then was advised to call the trustee which I can not get ahold of a live person. I feel like this was a way of them stalling to be able to sell the home and even though I have been sending and have proof that the docs were sent on time and compliant with everything they requested they not only won't review me for loan modification but sold the house!!! this isn't fair.
Consumer complaint received 2019-08-08
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Corp Solutions Inc. (UT)

Credit Corp Solutions called my mother, XXXX XXXX, on XX/XX/2019, disclossed that they were a debt collector & disclosed my name despite the agency already having my contact information including my number and address. 

The agents information : XXXX XXXX Ex XXXX
Consumer complaint received 2019-08-08
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am requesting that CFPB investigate the refusal by CapitalOne to process a Reg Z chargeback request instigated by XXXX XXXX XXXX and supplemented by me re our MasterCard ( acct no XXXX ). XXXX rental car submitted an outrageous bill for which it retained no prior written authorization resulting from a rental car transaction. The car rental was late and attempts to extend rental directly was impossible due to unlawful attempts to change the rate or the refusal to agree to unlawful price gauging. The credit limit is XXXX and yet capital one accepted a XXXX bill by XXXX, tacked it to our account balance, and then promised to issue a preliminary credit via 2 supervisors before suddenly closing the dispute. Capital Ones customer service representatives outsourced to non-US countries failed to document original Reg Z chargeback demands properly, sent out the wrong forms containing inaccurate amount of disputed charges, and thus resulted in about 7 calls before two supervisors confirmed the chargeback credit was to issue within 24 hours of last call to Supervisor. I am alleging a conspiracy to prevent rental car availability to Mr. XXXX and me for purposes of preventing us from driving and relocating to DC with XXXX XXXX, who has an active CIA EEO matter pending in DC. Capitol One, along with XXXX, and every rental car company has collusively resorted to the most extreme forms of unlawful business practices and made a mockery of blatant consumer protection violations to hinder interstate and intrastate travel. I would like Capitol One customer service recordings of both Card holders on this account to be played along with a review of the writing s sent to the address of Mr. XXXX while both of us were stranded in CA attempting to secure a rental car while XXXX and XXXX XXXX in Texas sabotaged an auto purchase of a unique conversion van intended to be driven to DC by XX/XX/2019. I would like this matter corrected and brought to the attention of the Senate Intelligence Committee as XXXX XXXX is familiar with the pending CIA matter of XXXX XXXX, who is my husband.
Consumer complaint received 2019-08-08
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. (UT)

XXXX/XXXX  # XXXX has me as an authorized user. I was removed as an auth user and it should no longer be reporting on my credit. I would like for this account to be removed, it is not mine and I should no longer be on it or connected to it in any way.
Consumer complaint received 2019-06-25
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: Convergent Resources, Inc. (PA)

My service for XXXX XXXX was cancelled on XX/XX/XXXX. I had been a customer with 100 % on time payments since XXXX. My final bill was paid through XX/XX/XXXX. I understood that there was a termination fee given I was XXXX days short of an equipment contract. 
I opened a dispute with my credit card company on XX/XX/XXXX for {$70.00} detailing the above. XXXX never disputed my claim. In a letter dated XX/XX/XXXX from Convergent Outsourcing I was informed that they were hired to collect a debt of {$150.00}. I responded to this with a certified letter requesting documentation of the amount due and copied XXXX as well. On XX/XX/XXXX I paid what I thought was my final payment to XXXX for {$88.00} for the early termination ( which also seemed incorrect. On XX/XX/XXXX I received a notice of debt from XXXX XXXX XXXX for {$70.00}. I requested the same information from them and still no response. On XXXX/XXXX/XXXX I was alerted to a negative credit item on my XXXX   credit report. I disputed it, sending all the documentation I have described. They closed it saying updated but no changes or explanation was made.
Consumer complaint received 2020-05-26
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)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.
Consumer complaint received 2019-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion is reporting incorrectly that I am 120 days past due on the US DEPT ED partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-06-25
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: Experian Information Solutions Inc. (VA)

I file a dispute on XX/XX/19 with Experian on some names on my credit report and on the the XX/XX/2019 I got a response back from Experian showing that the names has been remove and deleted from my  report but today I look at my credit reports and it's still reporting the 2 names that I got deleted and I call Experian and the rep XXXX got a attitude on the phone with me because I show him poof of the 2 names been deleted on my report but he is saying that they can not remove names off my report because credtors is reporting them names got deleted well I told him that's the hold thing why I wanted it off my credit reports because I go by XXXX XXXX XXXX., ... And I told him do he know how many XXXX XXXX XXXX and XXXX XXXX are in the United States ... .. And I don't know nothing about these accounts reporting XXXX XXXX XXXX ACCOUNT # XXXX .... XXXX XXXX ... ACCOUNT # XXXX XXXX XXXX XXXX another account that I have gotten off XXXX and XXXX for report false information XXXX XXXX ACCOUNT # XXXX I HAVE no idea who are these accounts I had bad credit all my life and never applied for no credit in a while so how is all these items is on my credit report it's call fraud EXPERIAN no it but won't fix they just wan na make a few bucks off a poor man like me but I got screen shots of everything if I got ta take y'all to court