davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (FL)

On XXXX XXXX The guy name XXXX XXXX sent me the amount of XXXX by Zelle XXXX by accident, and he called me to beg me to return the money to him because he have to pay rent and he doesn't have enough money to pay for it. So i told him to wait until I talk to my XXXX bank. 
On XX/XX/2021 XXXX XXXX called me again to ask me to refund money to him, so i call me XXXX bank and ask the XXXX XXXX to see if it's ok to send back the money to him. The agent told me It's ok to refund it to him because the payment when through and clear. I asked the agent, are you sure about it? Because i don't want XXXX dispute the first transaction after i send the money to him. The agent to me that's he sure about it because It's electronic payment so there is no way he can dispute it. So i sent back XXXX to XXXX. 
On XX/XX/2021 I check my XXXX bank account and i saw Zelle disputed for another XXXX. So i contact XXXX and they said, they will do the investigation. 
On XX/XX/XXXX, i received an letter said the payment was correct and there is nothing they can do about it. 

So i contact XXXX to ask him to return the dispute money back to me, and then we found out XXXX already cancel the dispute after i sent the money to him on the XX/XX/2021. But Zelle and XXXX still took my money. 

XXXX XXXX never receive the dispute money and the money never deposit into his account. We called XXXX line with Zelle to talk about it but they can not do anything. I also contact XXXX bank multiple times regard this problem but they can not help me. 

Right now im lost XXXX and we don't even know where is my money. Please help me to solve the prolem. Im so stress out when i call XXXX and Zelle with no help at all. 

XXXX and Zelle stolen my money.
Consumer complaint received 2017-08-17
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. (PA)

I filed several disputes with all three credit agencies between XXXX 2017 and XXXX 2017. Transunion is the only one still actively reporting that my account with XXXX XXXX XXXX is open and carrying {$2500.00} balance. I have called XXXX XXXX directly and they claim that they have reported my account closed with a XXXX  balance to all three agencies. When I spoke to a costumer service supervisor at Transunion on XXXX XXXX, 2017 he stated when they contacted XXXX XXXX XXXX XXXX on XXXX XXXX, 2017 they were told the account was open and over my {$2500.00} limit.
Consumer complaint received 2017-08-17
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: EQUIFAX, INC. (GA)

Over the past 4 months I have made several disputes with Equifax & XXXX regarding fraudulent accounts being reported on my XXXX/Equifax Credit report. In my written and online request I asked that XXXX please investigate this item and show proof of validation or delete immediatley from my report. The accounts in question are XXXX XXXX XXXX ( {$620.00} ), XXXX XXXX ( {$590.00} ), XXXX XXXX XXXX ( {$520.00} ), XXXX XXXX XXXX ( {$150.00} ), XXXX  XXXX XXXX ( {$140.00} ), XXXX XXXX XXXX ( {$40.00} ), XXXX XXXX XXXX ( {$38.00} ) .Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have n't gotten anything from Equifax & XXXX proving the account is mine. Please also note that XXXX has already legally deleted this account from my report. There is no possible way that this account belongs to me.PLEASE HELP P.S Why is XXXX XXXX XXXX and XXXX XXXX XXXX showing up twice on my credit report?
Consumer complaint received 2017-08-17
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. (GA)

Over the past 4 months I have made several disputes with XXXX & Experian regarding fraudulent accounts being reported on my Experian/XXXX Credit report. In my written and online request I asked that XXXX please investigate this item and show proof of validation or delete immediatley from my report. The accounts in question are XXXX XXXX XXXX ( {$620.00} ), XXXX XXXX ( {$590.00} ), XXXX XXXX XXXX ( {$520.00} ), XXXX XXXX XXXX ( {$150.00} ), XXXX  XXXX XXXX ( {$140.00} ), XXXX XXXX XXXX ( {$40.00} ), XXXX XXXX XXXX ( {$38.00} ) .Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have n't gotten anything from XXXX & Experian proving the account is mine. Please also note that XXXX has already legally deleted this account from my report. There is no possible way that this account belongs to me.PLEASE HELP P.S Why is XXXX XXXX XXXX and XXXX XXXX services showing up twice on my credit report?
Consumer complaint received 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Law Offices of Mitchell D. Bluhm & Associates (MD)

A collection account with The Law Offices of Mitchell D. Bluhm & Associatges, LLC was reinserted on my XXXX account as a newly opened collection account. There are four different discrepancies that I would like to address related to this account. 1. If any information has been deleted from a consumers file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. The initial collection resided with XXXX XXXX and was deleted from my XXXX credit report approximately on XX/XX/XXXX. I did not receive any type of notification that this account would reappear on my account as a new collection. This is a Fair Credit Reporting Act violation. 2. The balance due is incorrect. 3. The date of service is incorrect. 4. This account reflects an open date of XX/XX/XXXX. This is NOT a new account and was originally placed on my credit report on XX/XX/XXXX with an expected date of removal in XX/XX/XXXX. A collection agency, no matter when an account is received can not re-age an account. They have added 2 1/2+ years to the allowable allotted time that this account should be reflected on my credit report. Again, this is a Fair Credit Reporting Act violation and illegal!
Consumer complaint received 2017-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (OK)

Account was never mine. Went in person to see if I can have a line on this mentioned account transfered to my name. they would n't even talk to me at the time because it was n't in my name. therefore the debt it is not mine. The account was originally with XXXX
Consumer complaint received 2017-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (GA)

My purse was stolen a few years back with all my personal indentification and other belonging inside of it. As a result I believe this account was opened because I had no idea of the account until one day when a package came that was returned to the post office to send back to sender. I called XXXX 's multiple times informing them of the inaccuracies and the rep mentioned that I would still be responsible for the shipping and late fees which I refuse to pay being that the account was fraudulent opened and their merchandise was returned. I have a police report to prove my purse being stolen causing identifying theft to be possible.
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (OH)

I WOULD LIKE TO REQUEST A SECURITY FREEZE AND A PIN NUMBER BLOCK FOR ALL MY CREDIT FILE TO DUE SOME FRAUDULENT ACTIVITIES. I HAVE ALREADY FILED A COMPLAINT. MY CURRENT AND ONLY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX MY DOB XX/XX/XXXX SS # XXXX. THIS CAN BE VARIFIED WITH THE XXXX XXXX XXXX. 
THE FOLLOWING FRAUDULENT ADDRESSES NEED TO BE DELETED : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX CT XXXX APT XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX SQ, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (OH)

I WOULD LIKE TO REQUEST A SECURITY FREEZE AND A PIN NUMBER BLOCK FOR ALL MY CREDIT FILE TO DUE SOME FRAUDULENT ACTIVITIES. I HAVE ALREADY FILED A COMPLAINT. MY CURRENT AND ONLY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX MY DOB XX/XX/XXXX SS # XXXX. THIS CAN BE VARIFIED WITH THE XXXX XXXX XXXX. 
THE FOLLOWING FRAUDULENT ADDRESSES NEED TO BE DELETED : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX CT XXXX APT XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX SQ, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2021-03-03
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. (MD)

I never gave any written or verbal consent to Transunion, XXXX, or XXXX  to report any information onto my consumer report. I believe if NO consent is given then it is committing identity fraud for furnishing information without my permission pursuant to 15 USC 1681b : Permissible purposes of consumer reports, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2021-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I am an USAA member since XXXX, and today ( XX/XX/XXXX ) I made a transfer from my XXXX XXXX XXXX XXXX to one of my checking accounts with USAA in the amount of {$13.00} to pay for an XXXX subscription. I made the transfer through my USAA app and did not see any indication that my small transfer would be on an extended hold to become available, or else, I would not transfer any funds to that account. After I finished my transfer and logged on to XXXX, I noticed that my {$13.00} subscription payment was not processing, and when I searched the reason for that, I saw that my USAA account had a 7-day hold for my transfer in the amount of {$13.00}. I contacted USAA and asked why there was a 7-day hold on such a small amount, and the representative ( XXXX ) told me that USAA is committed to create strong relationships with members, and since I had a {$5.00} NSF fee on the past 90-days, from now on my transfers would be subject to holds. I asked XXXX how could USAA would be creating stronger relationships with members by creating hardships and I felt that actions like those do not create stronger relationships. I then asked XXXX to connect me to a supervisor, he put me on hold for about ten seconds and returned back to the line offering to get me a call back from a supervisor and did not make any effort to transfer me to a supervisor. I feel that USAA is creating more inconvenience for members during times of a global pandemic and members like myself are being punished and discriminated over small problems like the {$5.00} NSF fee. I don't believe I would cause a loss to USAA over {$13.00}.
Consumer complaint received 2017-08-17
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: CREDIT ACCEPTANCE CORPORATION (DC)

I noticed a fraudulent account on my XXXX report XXXX of 2016 from a company called, XXXX XXXX XXXX. They were, and still are, reporting that I owe a {$7000.00} debt for an  involuntary repossession. I filed a police report and submitted it to Credit Acceptance as well as XXXX  asking them to remove this fraudulent item from my credit report or furnish proof that the debt was mine. I 've not received favor responses from either company. In fact I was threatened by an employee from Credit Acceptance. And XXXX continues to tell me that Credit Acceptance has verified the debt is mine but refuses to show me the proof. I am obviously frustrated and dissapointed that both companies are so unwilling to help.
Consumer complaint received 2017-08-17
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Trident Asset Management, L.L.C. (AL)

After sending repeated correspondences to a creditor called Trident Assets Management to have my account removed from their database, which is being reported to all 3 credit bureaus as a collection, which is no avail. I have repeated sent letter after letter to have them address this matter only to have the say that I owe them. I have asked for valid proof that I owe them, which I also asked for a valid signature with validating this alleged debt. I have exhausted all my options other than go to small claims court.It is my hope that CFPB could assist me in resolving this matter in quick and decisive response.
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2021-03-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CONTRACT CALLERS INC (AZ)

Contract Callers Inc was listed on my credit as a collection for XXXX XXXX XXXX XXXX XXXX XXXX, the local utility company. I contacted them to request the removal of this unfair accusation of owing {$550.00} to the utility company. I asked the agent I spoke with to provide proof that I owed the funds to XXXX. The agent refused and demanded payment in full. When I refused to pay a debt not owed and unverified as being owed, she ( CCInc 's collection agent ) threatened that their debt demand would stay on my credit forever and not be removed at all, if or until the full payment was made. I asked again for verification in writing and explained that no document or demand was ever sent in my name concerning the alluded to amount neither from XXXX or CCInc. The agent continued to refuse to send me proper notice of the demand. I have contacted Contract Callers several times over three years to request fair removal of the collection from my credit reporting on all three bureaus.They have refused and continue to update and maintain information that I have repeatedly asked them to verify as mine only to be steadily refused. I have been threatened with them maintaining this information without any attempt on their behalf to provide the correct documentation of the original agreement or debt and file verification.I have not been treated fairly under FCRA. 

In terms of Contract Callers Inc stating that they are simply collecting for XXXX, XXXX states that an account that was closed was purchased by CCInc. XXXX has never stated or sent demand for any monies owed by myself or any family member. CCInc collecting on behalf of XXXX has been a main reason stated for non-removal of the demanded debt. XXXX made it clear they do not use third parties to collect debt, but they in fact sell accounts to collection agencies. Contract Callers Inc is a collection agency that XXXX sells debt to.
Consumer complaint received 2021-03-03
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: DISCOVER BANK (WA)

I have been a customer of Discover for 4 years, this was my very first credit card and this situation right here has proven to be the end of that relationship. Thanks to Discover, I am out of XXXX of my hard earned money with no recourse in sight. The merchant I purchased furniture + assembly from shipped and had the furniture delivered but never actually performed the assembly I paid for. They continued to push back the appointment date ( which turned into dates ) until I eventually decided to purchase from elsewhere. I attempted multiple times to contact the merchant but I'd be on hold for so long the call would disconnect and they did not respond to numerous emails. Due to the amount of the charge, I decided to file a dispute on my Discover card hoping Discover could try and remedy the situation. Even though I provided documentation showing the numerous cancelled appointments, all the merchant did was submit my order confirmation and Discover found in their favor multiple times over the period of a few months due to supposedly finding the charge to be " valid '' which was never what I was disputing. I've been lied to by Discover 's customer service agents and have had my chain jerked around until I reached out to their supposed " executive office '' which is nothing but another call center full of even more useless agents. I've been promised call backs, that more research would be done on my situation, but nothing has been done. Discover hasn't even tried to get me a partial refund for the services that were never performed or tried negotiating an actual return/refund from the merchant who refuses to respond to me but will respond to disputes filed.
Consumer complaint received 2015-12-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (PA)

I obtained a mortgage modification from CitiMortgage and although I was only {$51000.00} behind in payments, the total amount of payments I would have to pay over the term of the new modified loan is over 10 times that amount ( {$570000.00} ). I was only 9 years and 8 months away from paying off my original mortgage. Now, I have 40 years of payments per the new note. This is CRAZY!!! I had no choice but to sign the loan mod or face losing my house. I spoke to CitiMortgage representatives and they could not offer any explanation. I do n't think this is a fair practice at all. I understand I am responsible for the original note/principal balance, but to be charged over 10 times the amount I fell behind does not seem fair at all. I believe Citi is taking advantage of people in difficult situations. I am out of the mess I was in and have been current on my payments. I just ca n't seem to fathom making 40 years of payments. Citi did n't offer the XXXX XXXX XXXX Program to me despite receiving government money. The XXXX Mod that they offered was an in house loan mod program and I believe it is truly taking advantage of people in similar situations. Citi should be held responsible for their actions.
Consumer complaint received 2021-03-03
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Wells fargo has been reporting that I am in home preservation since XX/XX/2020. 
I have been able to pay all of my payments and was not in forbearance. I am trying to Irefiance my loan and they will not give me a letter stating that I was not in forbearance. 

They are stopping me from refinacing and lowering my rate, I called Wells Fargo XX/XX/2020, XX/XX/2020, XX/XX/2020. XX/XX/2020 to tell them I am not in Forebearance.
Consumer complaint received 2021-03-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

Hello, I need help, I am having issues with PHEAA/FED LOAN SERV Account Number XXXX over my school loans, I attended XXXX XXXX from XXXX, they made me take out loans and even promised me internships and jobs but did not deliver. The school closed down a year after i graduated and none of the credits are transferrable to other colleges. They even made my mother take out a separate loan, were still trying to figure out how we ended up with multiple loans. They did not help me in anyway find work after graduation, or give me any internships either. I advised XXXX XXXXXXXX, and XXXX unregard to this but still haven't had much help. Please help.
Consumer complaint received 2021-03-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

My Husband and I lived in these apartments back in XXXX and when we went to move out, My husband verbally told an office employee and he was told that she would put in the paperwork and begin move out process. We had 60 days. When we came to hand in some things to the office, the manager said she never received anything from the other worker that we were moving out. That was around 35 days we were supposed to move and we already had a house to move into. Well, She told us that it was ok that mistakes are made and she understood. Then we get a bill from a collection agency that we owe two months rent for breaking our lease. We absolutely did NOT break our lease. Not that this would matter, but this manager has done this to others we have know in that apartment complex. This is now a negative remark on our credit and a debt over XXXX that we do not owe. That company has always been very suspicious to us when we lived there. Everything that we requested while living there was always verbal, never had to fill things out. We should no AT ALL owe this. Very unfair and it needs to come off our credit. I have also disputed this with credit companies as well and nothing ever happens. I am aware that there was a blind broken and a hole that i believe they added to that bill, and i will be more that willing to pay for those.