davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

I was a vicrim of online fraud. Someone hacked into a Friend 's XXXX account and listed a XXXX  XXXX for sale stating that she was selling her Father 's truck because he was moving to an elderly care. I contacted her on messenger because I didn't have her phone number. She reached out later stating the truck was available. She was selling it for {$5000.00}. I asked her if she would take {$4500.00} and she said yes. She said I would need to pay half now so she can mark it as sold and not take any more calls. I sent her {$2000.00} by zelle on XX/XX/XXXX. She messaged me later in the evening saying she was getting someone to pay the full deposit so if I sent the balance she would mark it sold. I told her my daily zelle amount is only {$2000.00} and I would have to send the balance on the next day. I sent the {$2000.00} on XX/XX/XXXX. She then messaged me further saying a family friend is willing to pay {$6400.00} for it because he has seen the truck and its in good condition. Before I sent her the first payment, I did ask her for the VIN number of the truck and she stated that her Dad 's accountant had the information and she would send it to me once she got it. I started becoming suspicious and started asking her personal questions as she would know who I was. I got her number from another friend and called it. She didn't answer so I texted her saying I was messaging about the truck we were talking about on FB. She responded immediately stating that her account was hacked on FB and she had no access to it. I immediately called XXXX and let them know the situation. They told me they couldn't do anything about it since I initiated the zelle payment. They created a ticket but told me they can not reimburse my {$4500.00}. They told me I would need to call Zelle because it is a third party platform they use. I called the number they gave me but there is no option to speak to anyone so I submitted an online complaint. I received a response back from a XXXX email saying that they would look into the issue but no refund would be issued. This would just be to prevent further scams from happening. I also called the XXXX XXXX XXXX police department and filed a compliant about the fraud/scam. I am trying to recover the {$4500.00} zelle payment I made to the individual pretending to be someone I know and selling a truck that I never received. The email address the person gave me to send the zelle payment is XXXX registered under a XXXX XXXX. The person 's XXXX  account that got hacked was XXXX XXXX XXXX 

Attachments
Consumer complaint received 2024-06-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services (IL)

I had tried to lower my payment with EdFinancial but they raised my payment instead. I did not get a job in the field I studied like promised. I am struggling to make payments and purchase a home due to this.
Consumer complaint received 2024-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

XX/XX/year> : I attempted to transfer {$1700.00} from my checking account with Citi Bank. The transfer failed with a message stating, " For security reasons, we can not make this transfer, '' and provided a number to call : ( XXXX ) XXXX. When I spoke to a representative, they informed me that the transfer was stopped due to suspected fraud. However, they confirmed that the transfer was initiated by me. I asked if they could complete the transfer, but was told it needed to go through a " process '' that could take up to 90 days. I inquired about expediting this process, but was informed that it was not possible. 

XX/XX/year> : I received a call from Citi Bank leaving a message to verify a recent transaction flagged as fraud. They provided a reference number and instructed me to call ( XXXX ) XXXX, extension XXXX. When I called the number, I had to repeat all the details and go through a similar process as the previous day. I was given XXXX options : Open a New Account : Transfer the funds to a new account with Citi Bank. This seemed illogical because if my current account is locked, why would opening a new account solve the issue? 

Close the Current Account : This could take up to 90 days, during which time my money would be inaccessible and not earning interest. 

I asked why my account was flagged for fraud but received no clear explanation. The only information provided was that it had to go through the " process, '' with no further details.
Consumer complaint received 2024-08-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Williams & Fudge, Inc (FL)

This company keeps calling saying I owe them money, I dont know them never did business with them, I opted out of them communicating with me and they still call, I block their number they call from another number. The callers are being threatening and aggressive
Consumer complaint received 2023-05-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R.A.Rogers, Inc. (DE)

I do not owe this debt to XXXX or R.A.Rogers I recently put in a complaint of Identity Theft against R.A.Rogers.I am now asking for a second time with XXXX provide me with a contract between myself ( Natural Human and original Creator ) and XXXX  ( corporation ). Notice A contract is All parties must agree about an offer made by one party and accepted by the other. Something of value must be exchanged for something else of value. XXXX did not produce anything of value, my social and signature did and so did the dealer. My contract was with dealership and they also committed identity Theft. I never signed a form saying reach out to XXXX and give XXXX my personal information. Pursuant 15USC 1681c ( 2 ) 15 USC 1681q ( 3 ) and permissible purpose is not being used and fraud and identity theft has been proven. attachments below. A charge off for over {$11000.00} is being reported and over {$14000.00} is being reported by the NCRAs this is all inaccurate information and identity theft and fraud is being committed.
Consumer complaint received 2024-08-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (KY)

On XX/XX/XXXX, I saw an ad for a US bank promotion while browsing the internet. The promotion was for an {$800.00} bonus when opening a silver or higher business checking account with US bank. 

The terms stated a XXXX deposit within 30 days, maintained for 60 days using promo code XXXX. As I filled out the application, the code was auto-populated. I confirmed everything was good and submitted it. I was approved that day. 

Within 30 days I deposited XXXX XXXX and according to the terms of the promotion, the bonus should have arrived by now. 

I contacted the call center on XX/XX/XXXX and they claim XXXX is attached to my account and that it expired XX/XX/XXXX, 6 days before my account was opened. I believe there must have been some mistake. 

Considering this and that the promotion is ongoing with XXXX, the same code that was entered when I filled out the application and the same terms I agreed to, Id ask for the terms to be honored. I have completed all of the requirements.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United PanAm Financial Corp. (TX)

I am writing to formally dispute inaccuracies on my credit report concerning an auto loan account. This account has several issues that I believe violate the Fair Credit Reporting Act, specifically 15 U.S.C. 1681, which governs the accuracy and fairness of credit reporting. 

The specific issues are as follows : Incorrect Creditor Information : My credit report inaccurately lists United Auto XXXX as the original creditor for an auto loan with a balance of {$23000.00}. The correct original creditor is XXXX. 

Inaccurate Charge-Off Balance : United Auto XXXX is reporting a charge-off balance of {$18000.00}. This balance is incorrect. The charge-off balance should reflect the amount reported by XXXX. 

Duplicate Accounts : There are XXXX closed auto accounts listed on my credit report with incorrect dates. In reality, there should only be one account. This duplication is causing significant confusion and negatively impacting my credit score.

Fraudulent Account : The account in question was opened fraudulently in my name. The vehicle associated with this account was found wrecked by an individual named XXXX XXXX in XXXX, TX. 

In accordance with 15 U.S.C. 1681, I request the following actions : Address the Fraudulent Account : Investigate and resolve the fraudulent activity associated with this account.

Please inform me of any additional information required to facilitate these corrections. I appreciate your prompt attention to this matter and look forward to your response.

Thank you for your assistance.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX
Consumer complaint received 2024-08-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Ready Capital Corporation (AL)

I paid the XX/XX/XXXX payment on XX/XX/XXXX. My mortgage service changed and they posted it as an extra principal payment. I can not even verify that because my payment history is not available. 
I contacted them about their mistake and was told it would be reclassified as a monthly payment. It was not. When I contacted them again I was told they could not reclassify it because they changed servers.
Consumer complaint received 2024-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: EQUIFAX, INC. (NY)

has violated my rights. XXXX Loan 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Can you please review the documents? Some of the listed accounts have inaccuracies in their reporting, including incorrect amounts and dates.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Superior Holdings, LLC (OH)

Apparently sac Finance is placing this car as written off on my credit when it should have been on someone elses credit they should be going after. Ive filed multiple disputes called multiple times asked for all sorts of information and they denied every request.
Consumer complaint received 2024-08-27
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX. Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency
Consumer complaint received 2024-07-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ROBINHOOD MARKETS INC. (OH)

Robinhood financial company I invested stock And also had my savings account. 
My account was hacked when XXXX XXXX breach happened in XXXX. Hacker stole my information SSI, email address and password and changed My email address and passwords also personal information to take all money from my account. 
They took all money in Debit cards. I gave proof From my bank that I never had any debit card on The file also give them police report. 
They have insurance to cover up to {$250000.00} That company is telling but not willing to give me my money that hacker took. I am retired and still Paying for my Daughter student loan. If you help me any. 
Really appreciate if you help me.
Consumer complaint received 2024-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Recovery Services, LLC (AR)

I XXXX XXXX I reserve my right under UCC 1-308 not to be compelled to perform under any contract or any Commercial agreement not entered knowingly, voluntarily, an intentionally and I do not accept the liability of any compelled benefit or any unrevealed contract or Commercial agreement On XX/XX/year>, Absolute Recovery Services received an affidavit of violations of Arkansas code 4-59-101a ( 2 ), 15 USC 1692c, and 15 USC 1692e which will be attached with this complaint. Absolute Recovery Services has failed to produce any agreement between XXXX XXXX and Absolute Recovery Services obligating me to any debt as requested and continues to violate 15 USC 1692e with false credit reporting and 15 USC 1692c by failing to cease and desist collection efforts under the Fair Debt Collection Practices Act.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I am unable to access my online credit report. I have tried many times to contact transunion to fix this problem. I have identified myself everytime Ive called. I'm usual put on hold then a representative will return and tell me the issue is being worked on by their trouble shoot department. It has been very frustrating being treated so unfairly by transunion. They are very quick to process an inquiry. Or report something negative on my report but I'm baffled that their experienced technicians can not correct this problem that is caused by their own system
Consumer complaint received 2023-07-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BARCLAYS BANK DELAWARE (IA)

I am currently working with legal group to settle my debt. The credit company was continuously calling me and bring aggressive/threatening. I asked the credit company to only communicate with me through written means. They refused to communicate this way and continued to call very frequently.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Absolute Resolutions Corp. (FL)

For months, the account ABSOLUTE RESOLUTIONS I ( XXXX ) has been reported on my credit history as a collection, which confused me since to this day I have not received any certified notification from the creditor, who apparently was the original creditor or the collection agency in question. Therefore, the account was transferred without my prior knowledge or consent, which means my personal and credit information was shared or sold without following the minimum procedures established by law. I filed a dispute with the credit bureaus asking how this information was being validated ; however, it did not proceed as I expected. I then made a direct inquiry to the collection agency requesting validation of this account, but my attempt was unsuccessful. Consequently, I felt the need to file this complaint to clarify the matter, as according to my investigation, the company is incurring violations of 15 USC 1681e ( b ), 15 USC 1681i ( 5 ), 15 USC 1681 ( a ), and 1681n.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. In addition I have provided the companies with a copy of a notarized ftc identity theft report. all of my private information has been leaked to thousands on various online platforms and has been used to create account and control accounts that where already existing. 



petal card with reported balance {$0.00} discover card with reported balance {$4300.00} XXXX XXXX XXXX XXXX XXXX} discover bank with reported balance 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (CA)

I had automatic payments set up on the account to clear the full account balance monthly. I recently closed the checking account associated with the automatic payments scheme, but I had paid off multiple statements through my new checking account preempting the automatic payments. In XXXX, I did not preemptively pay off the full balance, and Discover tried to charge my closed account. Because the charge to my closed checking account was declined, they charged me a {$30.00} returned check charge, a {$50.00} ACH PAYMENT ADJUSTMENT, and a {$520.00} returned internet payment charge. This charge seems unreasonable, because I have maintained the credit card account with Discover without missing a payment, and Discover had another account on file that I had paid off recent statements in full.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (TX)

I am writing to formally dispute inaccuracies on my credit report concerning an auto loan account. This account has several issues that I believe violate the Fair Credit Reporting Act, specifically 15 U.S.C. 1681, which governs the accuracy and fairness of credit reporting. 

The specific issues are as follows : Incorrect Creditor Information : My credit report inaccurately lists XXXX XXXX XXXX as the original creditor for an auto loan with a balance of {$23000.00}. The correct original creditor is Santander. 

Inaccurate Charge-Off Balance : XXXX XXXX XXXX is reporting a charge-off balance of {$18000.00}. This balance is incorrect. The charge-off balance should reflect the amount reported by Santander. 

Duplicate Accounts : There are XXXX closed auto accounts listed on my credit report with incorrect dates. In reality, there should only be XXXX account. This duplication is causing significant confusion and negatively impacting my credit score.

Fraudulent Account : The account in question was opened fraudulently in my name. The vehicle associated with this account was found wrecked by an individual named XXXX XXXX in XXXX, TX. 

In accordance with 15 U.S.C. 1681, I request the following actions : Address the Fraudulent Account : Investigate and resolve the fraudulent activity associated with this account. 
Please inform me of any additional information required to facilitate these corrections. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your assistance.