davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (UT)

I have been using Western union for 3 years to help my family financially in XXXX. So far, I have n't had any problems, but unfortunately when the problem came it came big. I sent XXXX dollars to my sister yesterday ( X/XX/2018 ), the money was to pay for my mom 's utilities. This morning my sister went to the bank to get the money, same bank she always does, then she called me saying she was at the bank and they told her that the operator was telling her that the transaction was canceled by me. they gave her a receipt showing the status. I checked in my WU account and showed her that the transaction was not canceled. She showed the bank operator and he said : while the status is as canceled here i can not do anything. There is one thing really important to know about WU system, once the bank operator types the tracking number to check anything, the system automatic sends me an email saying that the money was picked up by the receiver and also registers it as delivered, but the money actually was n't delivered. So when I called WU to tell them what happened and ask for help they told me the money was delivered. I said that was n't, explained everything to them and now they want to open an investigation that will take 20 days. Super Fair huh, my mom does n't get the money, i do n't get the money back, but instead they keep the money. I am super frustrated with the situation, last month i sent a total of XXXX XXXX XXXXo XXXX, imagine if this has happened? I just ca n't trust them anymore. One of the girl on the phone told me that the money was picked up in a XXXX, that is in a state that I do n't know anyone there. so was fraud, I asked her and she refused to give me information. So I would like to end saying that : 1- their operators speak terrible English, I literally cried on the phone because I just could n't understand what they were saying and they refused to get someone on the line that could speak the language. 2- They need to change their system, what kind of system that complete the transaction registering that the money was delivered when it was n't? When they bank types the tracking order, he is just checking what is in there and not delivering the money, after entering the tracking number then comes the questions to know if the person is there trying to get the money is the real one, then he needs to check the status of the money, if it is already available etc ... They have to fix that and get the system only register the delivery when the receiver has the money in hand.
Consumer complaint received 2018-01-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (GA)

I noticed that I had an account in collection via my credit report for XXXX XXXX XXXX and this debt was being persuded by a company called Credence. I contacted the debt collection company and XXXX XXXX XXXX and requested this debt be verified and validated. XXXX XXXX XXXX did not have an account attached to my social or the account number given by Credence. I received a letter in the mail from Credence on XXXX/XXXX/XXXX with a billing statement. Upon reading through this document I discovered several inaccuracies including a billing statement dates of XXXX/XXXX/XXXX to XXXX/XXXX/XXXX with a payment due date of XXXX/XXXX/XXXX, the letter was dated XXXX/XXXX/XXXX, an non residential address, and an invalid account number given by Credence. I contacted the company directly about my worries about this obvious docted document and they informed me they received it directly from XXXX XXXX XXXX. I pulled my credit report and this debt is reported on XXXX/XXXX/XXXX. Credence is standing by their story that this document came directly from XXXX XXXX XXXX and they are demanding immediate payment.
Consumer complaint received 2018-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Allied Collection Services, Inc. (Nevada) (VA)

XXXX XXXX XXXX XXXX/XXXX/17 {$220.00} I have received my reports and noticed a third party collection agency was reporting as a open status I have never received a letter or do not even know this company, recently I have been recieving repetitious phones calls intended to be annoying different times of the day from different numbers telling me I need to clear up a debt I know nothing about, I tried reaching out asking them to validate this debt they will never send me anything back in writing they will start calling again from a different number, I would like for this company to provide me signature with me giving a provider permission to share my information with a third party since they claim this debt belongs to me
Consumer complaint received 2018-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I recently ordered my credit report form Transunion and i noticed some inquiries that i did not authorize. Such as XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX,, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX  XXXX XXXX,, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX ( XXXX ) ; XXXX XXXX XXXX ; XXXX. I 'm not aware of any these inquiries that has shown on my report.It 's cause significant damage to my credit report. I 've reached out to Transunion multiple times and stated that these inquiries does n't belong to me. I asked them to delete these inquires immediately. I 've put out fraud alerts reports in XXXX and XXXX because of situations like this.Someone stole my identity multiple times and opened false accounts under my name that I had to file a police report for. These inquires should be removed immediately since it 's against federal law ( Fair Credit Reporting Act-15 USC 1681n ( a ) ( 1 ) ( B ) to report false information on my credit report.
Consumer complaint received 2018-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

Hi I tried to contact XXXX, XXXX and Experian. I noticed I have a lot of Hard inquire who DO NOT HAVE written or verbal permission I demanded they remove it and I 've tried three times all they keep forcing me to do is contact the companies and then the companies require I call the credit bureaus. I need them to REMOVE ALL HARD inquires I also spoke to someone they said they 'll remove it all for me but they failed to do this
Consumer complaint received 2018-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi I tried to contact XXXX, Transunion and XXXX. I noticed I have a lot of Hard inquire who DO NOT HAVE written or verbal permission I demanded they remove it and I 've tried three times all they keep forcing me to do is contact the companies and then the companies require I call the credit bureaus. I need them to REMOVE ALL HARD inquires I also spoke to someone they said they 'll remove it all for me but they failed to do this
Consumer complaint received 2018-01-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (GA)

Please Help Me!!!! 

Identity Theft Victim 1. XXXX XXXX XXXX / XXXX = {$200.00} 2. XXXX XXXX / XXXX-XXXX = {$170.00} 3. XXXX XXXX / XXXX XXXX XXXX  XXXX {$64.00} 4. XXXX XXXX XXXX ( Assigned ) Credit Class ( Assigned ) XXXX XXXX XXXX = {$1200.00} Account # XXXX, Address : XXXX XXXX XXXX XXXX XXXX PA XXXX Phone : XXXX 5. XXXX : My Social Security Number # is completely wrong in there system I 've been fighting for 6 months too get it corrected ... 

Non Authorization Inquires : A ) XXXX XXXX B ) XXXX XXXX C ) XXXX D ) XXXX E ) XXXX XXXX XXXX F ) XXXX XXXX G ) XXXX XXXX H ) XXXX XXXX I ) XXXX XXXX : XXXX J ) XXXX K ) XXXX L ) XXXX XXXX : XXXX M ) XXXX XXXX : XXXX N ) XXXX O ) XXXX/XXXX P ) XXXX XXXX XXXX : XXXX Q ) XXXX XXXX XXXX : XXXX R ) XXXX XXXX S ) XXXX XXXX XXXX : XXXX
Consumer complaint received 2018-01-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TransUnion website do n't allow me to dispute items. When I called TransUnion either they are busy or automatic service voice say the department is closed. 
I been disputing items on my credit report with TransUnion in the pasts and even mail in proof of old credit report how the creditor would either change payments status, change things and continue to allow credit items stay on my credit report when its over 7 years mark supposed to be deleted.
Consumer complaint received 2018-01-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KINGS CREDIT SERVICES (CA)

KINGS CREDIT SERVICE Placed two Collection accounts on my credit file back on XX/XX/XXXX and XX/XX/XXXX for services that had nothing to do with me, but with my daughter. I did not sign any paperwork for her Doctor 's visit as she was taken to all of her appointments by her mom. The accounts were paid in full but they placed them on my credit file.
Consumer complaint received 2018-12-31
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 (TX)

I previously submitted CFPB complaint XXXX-XXXX  and XXXX-XXXX to which XXXX with the executive resolution dept was assigned. For the initial complaint, she failed to contact me to even discuss the dispute. I only later found out by one of her colleagues that she had attempted a single phone call but neglected to leave a voicemail for me alerting me to her call. XXXX then proceeded to close out the initial dispute without ever having spoken with me. As a result, her response had many false and misleading statements with many serious omissions. XXXX 's response also failed to address all the concerns raised. In order to answer the flawed and false response by XXXX for Capital One, I filed the second complaint XXXX-XXXX. I called her number and unable to reach her left her voicemails on XX/XX/XXXX, XX/XX/XXXX, 3 times on XX/XX/XXXX, XX/XX/XXXX and twice on XX/XX/XXXX. In my attempts to reach her on XX/XX/XXXX after leaving XXXX a voicemail, I called to speak with the executive resolution dept where I spoke with XXXX who stated XXXX was unavailable but would call me back before the EOB and at the latest by XX/XX/XXXX. XXXX and I finally spoke on XX/XX/XXXX where she stated she was unsure why the previous agent didn't do any research and closed the case prior to speaking with me. She would research all the provided documents and get back to me. She kept trying to make excuses as to the reason XXXX refused to accept my return. She didn't seem to understand it didn't matter why the merchant refused to accept the return. The fact was the merchant refused the return in violation of their return agreement provided at the point of sale. By doing so the merchant violated the terms of sale and was also guilty of misrepresentation. Either account is a valid chargeback. 
I find the need to once again bring up federal statues and reference the summary of XXXX v. XXXX XXXX, XXXX, XXXX. Stating that pursuant to 1666 ( c ), the cardholder " need not pay the amount in dispute until the card issuer has complied with 1666, '' and that pursuant to 1666 ( d ), the card issuer " may not restrict or close an account due to a [ cardholder 's ] failure to pay a disputed amount until the [ card issuer ] has sent the written explanation required by [ 1666 ( a ) ] '' I have reasserted my dispute multiple times, and even asserted my dispute under the claims and defenses argument which allows up to a year to assert my dispute. 
Despite this single charge being the only remaining balance on the card Capital One has continued attempts to collect and negatively report this disputed debt without informing the CRA 's the account is in dispute.
Consumer complaint received 2018-01-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

Attention XXXX and if possible XXXX and XXXX  Delinquent Account ; XXXX XXXX XXXX for {$120.00} Date Assigned XX/XX/XXXX This delinquency is not mine. If this is regarding a XXXX XXXX Account that had been billed in XX/XX/XXXX this issue should have been resolved in XX/XX/XXXX. I contacted XXXX XXXX systems about the error in my account. After providing information requested they said they closed their inquiry. They said they informed the credit bureaus which they do business with and requested to delete their listing about this account. " However, because your social security was not provided to us, we will be uncertain as to whether our request will be accurately processed by the agencies notified. '' Now it appears this is being handled by XXXX   XXXX XXXX This bill was never mine. The address on the bill was to Same address but XXXX That person happened to have my same i guess. It was a cable bill so it was specific to the address where it was routed to. In addition a believe my SSN and ID # did not match. 

Please Correct
Consumer complaint received 2018-01-14
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. (CA)

XXXX Reported a late payment to my credit report back in XXXX 2016.  The account was never late and when I contacted them about the error, they started that my payment amount had gone up by a few dollars but they never notified me of the changes because my payment amount had been the same for eights years and they cashed the check that was sent in as it was every month This caused my credit score to drop and it has been very stressful trying to get this matter resolved.
Consumer complaint received 2018-01-15
Product: Credit card or prepaid card — Store credit 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: GreenSky, LLC (FL)

GreenSky Credit and XXXX XXXX bad practice of consumeR FINANACING.

1 ) GreenSky Credit and XXXX XXXX never provided terms and condition. 
2 ) GreenSky Credit and XXXX XXXX did not furnish an application for a loan with a participating financial institution in the GreenSky Program ; 2.

3 ) GreenSky Credit and XXXX XXXX did not provided loan agreement ( Agreement ) with the lender specified on the Agreement ( Lender ) and agree to be bound by the Terms and Conditions of the Agreement ; 4 ) My card was open and charged without my signature and consent ( Over {$5000.00} ) 5 ) GreenSky Credit and XXXX XXXX did make charge that i have not authorize the payments in the schedule above subject to mutually agreed upon completion of project stage ; I confirmed and attest following 1 ) I have not signed an application for a loan with a participating financial institution in the GreenSky Program ; 2.

2 ) I have not Acknowledge/recieve receipt of the GreenSky loan agreement ( Agreement ) with the lender specified on the Agreement ( Lender ) and agree to be bound by the Terms and Conditions of the Agreement ; 3 ) I have not Authorize the payments in the schedule above subject to mutually agreed upon completion of project stage ; 4 ) I did not instruct Lender to disburse the proceeds of the GreenSky loan to the Merchant identified above in the Amount ( s )  specified in the Payment Authorization Schedule.
Consumer complaint received 2018-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX Reported a late payment to my credit report back in XXXX 2016.  The account was never late and when I contacted them about the error, they started that my payment amount had gone up by a few dollars but they never notified me of the changes because my payment amount had been the same for eights years and they cashed the check that was sent in as it was every month This caused my credit score to drop and it has been very stressful trying to get this matter resolved.
Consumer complaint received 2018-01-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: The J. G. Wentworth Company (VA)

When trying to pay my mortgage on line, JG Wentworth 's website says that " this feature is currently unavailable. '' It 's been like that for 3 days. When I try to call customer service to pay my mortgage on the phone or actually speak with someone, the wait lines are so long I do n't get through. When I use their 24 hour automated pay by phone service, after I enter in all my loan information, the system does not give me the opportunity to pay over the phone but automatically transfers me to a phone number where an automated voice tells me the office is closed. Today is XX/XX/XXXX, and if my mortgage is n't paid by the 15th, they charge me a fee. And my credit score may be damaged? I read an article yesterday that j.G. Wentworth has filed bankruptcy and I 'd like to know if this is all related and how I can pay my mortgage. Can you help?
Consumer complaint received 2018-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted certified letters to all 3 credit bureaus and a collection bearing two names, XXXX XXXX XXXX and XXXX XXXX XXXX. After reading about the countless lawsuits compiled by this collection agency, no wonder they have two names. According to FCRA section 609, I asked for validity and proof of ownership for something they had placed on my credit file. Some sort of medical bill that I have no knowledge of and which is odd, considering I am single with no kids. Generally someone would know if they have been to a clinic or hospital
Consumer complaint received 2018-01-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I had my mortgage sold out to another mortgage company. I was not informed until after I made the payment to the mortgage company. They took my money even after they sold my mortgage and it is showing a 30 day late payment on my credit report. Equifax will not help me with this. I paid that months mortgage and because they sold my mortgage and held my money that months payment was late due the the fact they held my money without even a phone call or letter saying they sold my mortgage.
Consumer complaint received 2018-01-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (NH)

I set up two separate withdrawal requests on XXXX XXXX, 2018 for the amounts below : XXXX XXXX, 2018 for {$1700.00} USD ( Simple Savings : XXXX ) XXXX XXXX, 2018 for {$250.00} USD ( Simple Savings : XXXX ) I clearly was able to transfer {$5000.00} to the Simple savings account ... .so it DOES exist. 
One week after I set up these very important withdrawals I received the same message ( for BOTH transactions ) from the 3rd party who was to rx these two withdrawals as deposits. One of the messages showns below : " Your transfer on XXXX XXXX, 2018 for {$250.00} USD was reversed by your payment method. 
Unfortunately it looks like your bank ( TD Bank - TD SIMPLE SA ... XXXX ) has reversed your payment with the following message : No Account / Unable to Locate Account ( XXXX ). '' Am I going to have to WAIT another WEEK to get MY MONEY?
Consumer complaint received 2018-01-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia (VA)

On XXXX XXXX, 2016, I was involved in an accident where i had to be taken to the hospital. Somehow, my social was written wrong and XXXX did n't cover it until i spoke with them, and they corrected it leaving me with a XXXX dollar deductible and XXXX dollars owed. XXXX mailed a letter that stated " we received an inquiry regarding patient billing on the above claim. the patient 's cost share and/or copayment was {$0.00}, and we applied {$0.00} towards the patient 's deductible. the claim originally denied because it was submitted with an incorrect member identification number. this ha

s since been corrected and the claim has been paid, leaving no patient responsibility. our files show that although you are not the network provider, your claim was  submitted indicating you agreed to accept assignment. therefore, you have agreed t
o accept the XXXX maximum allowable charge as payment in full. the beneficiary is
only responsible for copayments, cost shares, and/or deductible amounts. if the patient paid more than the copayment, cost share, and/or deductible for these services, please refund the payment to the patient within 30 days from the date of this letter. '' somehow this still is being charged as a collection.
Consumer complaint received 2018-01-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: TD BANK US HOLDING COMPANY (NJ)

TD Bank will not allow me to move money from my checking account into another account at XXXX, a California based bank. It seems as if TD does not want its customers to do business with any bank that has ties to crypto currency. 

XXXX has more trusted customers than XXXX XXXX, and I should be able to move money freely between MY own bank accounts. TD should remove the restrictions from their customers accounts and " allow '' them to legally do business with whomever they choose.
Consumer complaint received 2018-01-14
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. (MD)

On XXXX XXXX, XXXX, my account went delinquent. However, I have been paying XXXX XXXX, XXXX XXXX XXXX dollars a month every XXXX of the month since XXXX XXXX. I would like for the information to the reported correctly. I would also like for my credit to show that I am making payments instead of being listed as a " bad debt write-off ''. I am set up with XXXX XXXX to have my payment automatically withdrawn and I have not missed a payment.