davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (OK)

I have not had any transfers or mobile wallets or digital transfers or wire transfers. Ive never had XXXX XXXX. Ive never had any kind of Western Union or XXXX XXXX XXXX. Ive never transferred money ever from my account but theres wire transfers I know and XXXX XXXX in western unions those are fraud. When I contacted Western Union and they told me that I needed to contact the local police department. I received an email from them and I told them I have never made an account with them and the lady had told me while I shouldnt I need to go to the local police department and she was deactivating the Western Union account that was somehow created.
Consumer complaint received 2017-12-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Torres Credit Services, Inc. (IL)

On XXXX XXXX XXXX, an outfit called Torres Credit Services sent a letter stating I owe {$14.00} from not paying a XXXX XXXX XXXX XXXX which is a complete lie. This company is running a scam operation trying to collect phony debts and sending intimidating collection letters. The address from them on the letter shows they are located in XXXX, PA.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I tried to put a credit freeze on my account due to a hospital 's remote server being breached. XXXX and XXXX are insisting that I set up an accout with them for all these other services. I do not want the other services and assume that the more my credit information is online, the greater risk of data breach. I feel I should have the OPTION of whether or not I sign up for these services I do not want.
Consumer complaint received 2023-07-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have sent letters to the 3 credit reporting agency 's asking them to show me how they verified a debt for disputed debts they always responded " verified by lender '', when the creditors themselves dont respond to debt verification the accounts I asked where is the verified debt information they received so I may validate the claims. None of the credit agents have responded. It has been over thirty days
Consumer complaint received 2023-08-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (VA)

I am employed ( two jobs, each XXXX XXXX  ) by XXXX XXXX XXXX XXXX and thus my federal student loans qualify for Public Student Loan Forgiveness. I hit XXXX qualified payments ( toward PSLF ) at the end of XXXX. I sent in two employment certification forms this year, which showed my qualified payment counts are higher than XXXX. Mohela ( student loan servicer ) told me that my loans were sent " direct to discharge '' to Federal Student Aid at end of XXXX however this year they have not yet been forgiven/discharged. I have called Mohela several times and they can not tell me a timeline of how long to wait, nor review if my information was sent and communicate with FSA on what the hold up is. I have also filed a complaint with FSA on XX/XX/XXXX and this is still pending ( though originally I was told I would get a reply within 15 days ). I can not get an answer from anyone to check if my loan information was correctly shared to FSA from Mohela, and what the hold up is. I did have some other loans that were forgiven via PSLF this XXXX, but the majority are still being held up even though these have more qualified payment counts!
Consumer complaint received 2017-12-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (FL)

XXXX XXXX I made a payment to a law firm ( XXXX XXXX XXXX ) via Western Union in the amount of XXXX plus the XXXX fee. 

XXXX XXXX XXXX is stating they never received the payment. I have spoken to Western Union numerous times about this and they claim that they are not able to reach that firm. They will not take the number that I reach the firm on which is XXXX.
Consumer complaint received 2024-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank account accessed 3 times and withdrawals made by unauthorized user using 3 different debit cards.. Bank denied all three claims.

First fraudulent transaction occurred XX/XX/year> in XXXX XXXX NV for approximately $ XXXX using debit card. Debit card was in my possession at that time in XXXX XXXX CA after claim denied further documentation sent to bank with proof of location on date from employer. Card was closed and new card sent and received. 
Second transactions occurred on XX/XX/XXXX in Florida for approximately {$500.00} using new card in my possession in California. Claim started and denied. Card closed and new card sent but not received. 
Third transaction occurred on XX/XX/XXXX for {$120.00} in Florida. Reported to bank and informed that new card was used which I had not received- they claimed had been activated so claims denied.

Requested Customer service to investigate problem as these were 3 events with three separate cards in other states to my location. No communication from bank as to their progress received and every time I call nothing resolved. During this time I have been overdrawn and charged additional fees.
Consumer complaint received 2023-03-04
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC. (FL)

On XX/XX/XXXX I received an email offer from Ally Bank saying that if I opened an eligible account by XXXX funded the account by XX/XX/XXXX and kept the funds in the account through XX/XX/XXXX I would receive a 1 % cash bonus up to {$500.00} on XXXX. I followed the prompts at the bottom of the email and opened a money market account XX/XX/XXXX and funded it with {$50000.00} on XXXX. I also deposited another {$15000.00} on XXXX On XXXX XXXX I called and asked where is my {$500.00} bonus. I was assigned a case number XXXX and told I would have a response in 7-10 business days. I called after 7 business days and again after 10 business days and each time I was not given a response. The second time I asked to speak to a supervisor. After a lengthy wait on hold I got to speak to a person named XXXX. He told me that they would not give the {$500.00} bonus because I did not enter a promotion code. When I clicked on " Get Started '' at the bottom of the offer, I simply followed the prompts and opened the account. No promotion code was requested or mentioned at all when I opened or funded the account. I believe that this is a very deceptive practice on the part of Ally Bank in order to avoid paying the bonus. I was told by XXXX that other people are in the same situation as I am regarding this bonus. I have saved the email offer and I can forward it to you at your request. I do not know how to do it on this platform.
Consumer complaint received 2023-12-16
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION (TX)

I couldnt afford the vehicle anymore in XX/XX/XXXX so I volunteered to let them repossess the car. They picked up the car about 2 weeks later and I didnt hear back from the company until XXXX  when they said they never got the vehicle. They have been reporting the vehicle late on my credit report late for the past year. The company name is Credit acceptance and to my knowledge they received the car 5 years ago. If I actually had the car they should have repossessed it or taken me to court or filed charges and I could prove I submitted the car. I told all credit bureaus about how it was a repossession and they still report the vehicle as a late payment. Also the amount they say I owed is not correct. I only owed XXXX at the time of repossession. They are claiming XXXX.
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

Subject : Request to Update Address and Remove Outdated Addresses from Credit Report I hope this letter finds you well. I am writing to request the update of my current address and the removal of outdated addresses from my credit report. As per the provided information, I have recently moved to a new address and wish to ensure that my credit information accurately reflects my present circumstances. 

Here are the details for the address update and removal : 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 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 I kindly request your prompt attention to this matter. Keeping my credit information up-to-date and accurate is crucial for the integrity of my credit profile. Please ensure that the new address is added and the mentioned outdated addresses are removed from all my credit reports maintained by your bureau. 

If any additional documentation or verification is required to process this request, please do not hesitate to contact me at XXXX or XXXX. I am fully prepared to provide any necessary information to facilitate the smooth update and removal of addresses on my credit report. 

I genuinely appreciate your assistance in this matter and thank you in advance for your prompt attention. Kindly confirm the receipt of this request and notify me once the necessary updates have been made to my credit report. 

Thank you for your time and cooperation. 

Sincerely,
Consumer complaint received 2022-12-20
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. (DE)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (AZ)

I got a home mortgage with XXXXXXXX XXXX XXXX originally I went with their mortgage insurance at about XXXX after a few weeks I got a better deal from my auto insurance in bundling everything it was about XXXX a month requested XXXXXXXX XXXX XXXX to fix my new mortgage payment was XXXX a month and I was told it would be around XXXX a month before they lowered my mortgage payments they sold my mortgage loan to freedom mortgage company now they refuse to lower my mortgage payments and they are making up some XXXX story that it is the same XXXX a month I want to file a complaint against them for mishandling of my mortgage loan
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

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. 

Account name : XXXX XXXX  XXXX, XXXX Account name : XXXX XXXX XXXX, XXXX Account name : XXXX XXXX, Account number XXXX  Account name : XXXX  XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX  Account number XXXX Account name XXXX  XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-05
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I received an email notice from Columbia Debt Recovery, dba Genesis on XX/XX/XXXX, regarding an alleged debt in the amount of {$170.00} plus interest. This amount was settled and paid off in XX/XX/XXXX with XXXX XXXXXXXX XXXX XXXX in XXXX, XXXX On XX/XX/XXXX I called the debt collector informing them of their mistake and emailing XXXX with the final move-out statement issued by XXXX XXXX XXXX XXXX confirming that the {$170.00} final bill was paid off from the {$500.00} rental deposit, resulting in a refund of {$320.00}. However, Columbia Debt Recovery, dba Genesis refused to correct the mistake and take the debt out of collection. My credit score has been impacted as a result, so I would like to seek help from CFPB to resolve this issue and remove this debt from my credit report. 
XXXX XXXX XXXX, XXXX XXXX address XXXX XXXX XXXX XXXX XXXXXXXX XXXX WA XXXX XXXX ; phone : ( XXXX ) XXXX
Consumer complaint received 2023-10-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (CA)

I send money on XXXX XXXX. Promised availability is XX/XX/XXXX. Until now nothing receive but money was already drawn from my account. Called on the XXXX and they told me to call again within XXXX to XXXX. When I called again they told me the same thing. On the XXXX I received an email from Western Union customer care team that says that it the cause was a recent internal system update that affects the availability of the money and some transactions. I called again that day and the same answer, call again within XXXX to XXXX hrs. I called again today and talked to a supervisor and at first he said he didnt see the email that says about the recent internal system update. Theres no use of talking to them cause they dont know what is really happening and they keep on telling different answers to me. The problem said was already escalated to the right department on my 2nd call but nothing is being done. It was a very frustrating ordeal cause although it is a small amount but it is a hard earned money and my daughter needs it for their expenses in another country.
Consumer complaint received 2023-11-24
Product: Credit reporting 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. (VA)

ON OR ABOUT XX/XX/, XXXX XXXX XXXX REQUESTED A HARD INQUIRY AGAINST MY CREDIT SCORE. HOWEVER, I HAD NOT REQUESTED ANY ADDITIONAL CREDIT FROM THEM NOR HAD I MADE ANY REQUEST AT ALL. I HAVE CONTACTED THEM TO TRY TO RESOLVE THIS BUT THEY DO NOT KNOW WHY THE INQUIRY WAS PERFORMED.
Consumer complaint received 2023-12-25
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: EQUIFAX, INC. (FL)

I have a letter from XXXX XXXX XXXXXXXX XXXX, stating.in writing please removed from my credit file. Thank you. 
We're no longer the creditor on your account.
Consumer complaint received 2023-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I have problems making payments with Department stores XXXX XXXX becouse the covid 19 pandemic also I been trayig to negotiate to make payments with them and maybe they can anderstand I loss my job for the covid 19 Pandemic but the company didn't want negotiate so they send my to collection with portfolio Recovery company and this affect m credit score very badly
Consumer complaint received 2018-12-19
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AES/PHEAA (AL)

On XX/XX/XXXX I received notification from my job about a garnishment from XXXX XXXX XXXX XXXX XXXX. Per the notice they were garnishing me for {$14000.00} at a rate of 25 % of disposable income. I called and talked to XXXX at XXXX XXXX  XXXX, XXXX  - the lawyers representing the trust. His number is XXXX ext. XXXX. XXXX told me that this was a lone from XXXX XXXX back in XX/XX/XXXX and it was a private student loan to attend XXXX XXXX College for XXXX. I advised him that I have no knowledge of this loan and that I needed him to send me documentation showing that they not only own the loan but that I signed a promissory note with them - he stated that he would. Prior to this I have never heard of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, or XXXX XXXX  XXXX, XXXX. This has never reported to my credit report nor have I ever received any notification to verify this debt. According to the paperwork, the judgement was issued XX/XX/XXXX - I also have no knowledge of any court proceedings for this matter. I have done plenty of research on this company and I see they are being sued left and right for using false affidavits and misleading information to collect on debts. I will fight this all the way if I have too - there is no way that I am going to pay on a debt that is 14 years old to a company that I have no knowledge of. Please take this consent serious and help me and I am sure plenty other consumers from these deceptive practices.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (PA)

A inquiry that I am unaware of is on my credit report. This a result of identity theft and I would like this hard inquiry removed from my credit reports. This violates U.S. Code 1681.
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC. (FL)

ON about XX/XX/2023 I disputed inaccurate information on my credit report with the following credit bureaus, XXXX, XXXX, and EQUIFAX, as of today I have received no response to my disputes. This is a direct violation of the FAIRCREDIT REPORTING ACT and the FAIR DEBT COLLECTION PRATICES. 

Pursuant to the FCRA and the FDCP the credit bureaus have 30 days to respond to a consumers dispute, they have failed to so.
Consumer complaint received 2023-11-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

Dear PayPal Support Team, I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account associated with the email address XXXX. I firmly believe that this limitation is the result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

Throughout my history as a PayPal user, I have diligently adhered to PayPal 's terms and conditions. Maintaining a positive and trustworthy relationship with PayPal is a top priority for me, and I am fully committed to resolving any issues or concerns that may have led to this unfortunate situation. 

I kindly request that PayPal conducts a thorough reevaluation of my case, carefully examining the circumstances surrounding the permanent limitation of my account. I have confidence that this review will reveal an error or misunderstanding. I am prepared to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also allow me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process as soon as possible. If there are specific documents or details needed from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I eagerly await a swift resolution of this issue and the opportunity to resume using PayPal 's services. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-05
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. (TX)

It is Transunions duty according to the FCRA to report correct and accurate information on my credit report and file. They are not. Transunion is reporting an inaccurate late payment for the XXXX account ending in XXXX. This is a XXXX late payment posted on XX/XX/2022. This is incorrect and is required to be reported as PAID AS AGREED. 
Also, in accordance with 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. Reporting the inaccurate late payment results in Transunion violating my federally protected consumer rights. 
Additionally, I did not give Transunion written permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.