davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (TX)

I have used ZELLE to transfer funds from my XXXX XXXX XXXX  ( now XXXX ) checking account to a XXXX XXXX shared checking account for years, and never had a problem. 

I have also used the external transfer function to send money from my XXXX XXXX XXXX  ( now XXXX ) checking account weekly to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account, but after XXXX XXXX XXXX became XXXX, they no longer offer external transfers free of charge, so I attempted to use ZELLE to transfer funds from my XXXX  checking account to my XXXX  account. For the record, the credit union ( XXXX  ) was previously established as an external payee with XXXX XXXX XXXX and remained after transition to XXXX. 

When I began using ZELLE to send money from XXXX  to XXXX several months ago, I received XXXX  confirmations that the money was in fact sent to XXXX, along with a unique transaction number ; however, those funds were being sent to XXXX XXXX instead. 

I have spent over two months trying to resolve this issue, making dozens of phone calls and meeting in person with representatives from XXXX, XXXX ( not part of this complaint ) and multiple times with XXXX XXXX. I also contacted ZELLE and was told they are a third party and cant help me because they dont have access to users accounts. 

After exhausting all resources available to me, and after a lengthy investigation by XXXX XXXX, all I know is that two sums were reversed by XXXX XXXX. However, as confirmed in the last two meetings with XXXX XXXX on XX/XX/2023 and XX/XX/2023, they can not confirm where reversed funds were actually deposited. 

So after more than two months, I am still missing {$75.00} ( {$40.00} + {$35.00} ) for which no records exist. I do not accept that money can simply disappear and can not be traced, recovered and returned to its rightful owner. 

Having spoken with multiple bank representatives and their fraud specialists, no explanations of this failure have been provided, but my own theory is that ZELLEs payee sign up process at the XXXX  site is deficient, allowing users to request transfers to one institution without flagging it in any way and then misdirecting those funds to another institution without the users knowledge or authorization. I have since learned that XXXX is not partnered with ZELLE, but the system did not detect that or provide that feedback to the user. 

The attached document indicates what transpired in date order, with XXXX  and XXXX XXXX communications side by side for easy comparison. It also includes confirmation of my XX/XX/2023 request to XXXX  to cancel recurring funds being misdirected to XXXX XXXX, but it apparently continued through XX/XX/2023.
Consumer complaint received 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2018-04-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Service, Inc. (TX)

Out of the blue I received a letter stating I owe this company money. I phoned to see what this matter was in regards to. After being transferred to 3 different people, I reached someone claiming to be a XXXX XXXX @ XXXX XXXX. XXXX XXXX stated I had a car repossessed in 1997. I explained to her I never had a car repossessed. She tried to find further information and stated she could not find anything. I started laughing and asked her if this was a joke. She got upset and put me on hold and never returned to the phone. 

1997 is 21 years ago and out of the blue I receive a letter. Not sure what is going on here but this is absurd and needs to be reported
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (NJ)

I have recently subscribe to a " sports package '' of television channels with the XXXX co. I soon came to find out that I was getting revolting political comentary on the sports channel that I 'm paying for. When I went to cancel the subscription package with XXXX they told me that XXXX ) I would be charged a higher monthly fee if I try to cancel XXXX and XXXX ) if I cancel my service with XXXX that I would have to pay an early cancellation fee of {$220.00} dollars or else they would do harm to my credit rating. I feel as though XXXX is the one that broke the contract with me for providing revolting political commentary on what I thought was going to be a " sports '' channel. 
Please help me end my service with XXXX in a way that prevents them from doing harm to my credit report. 
thanks you XXXX XXXX
Consumer complaint received 2023-03-11
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: LEXISNEXIS (IL)

My information is being traffic! YOUR FAILURE TO SEND MY CONSUMER REPORT AND ADD A SECURITY FREEZE has caused companies to now take my likeness, my personal, non-public information and assembling a consumer report that is supposed to reflect who I am all without my consent, all without my authority so now present I am unable to get credit cards, home loans, and suitable employment.
Consumer complaint received 2023-05-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (AR)

I closed on this home XX/XX/XXXX. 
The loan was originally with XXXX XXXX, XXXX. On XX/XX/XXXX Planet Home Lending took over. I had already provided a tax exemption document from my local tax assessors office. The issue took 3 weeks to get resolved, the property taxes was removed. In the mean time the insurance side ( of Planet ) had to verify the HOI was done. It was verified and I received a copy of the insurance being paid ( {$2600.00} ) and cashed on XX/XX/XXXX. On XX/XX/XXXX Planet sent another payment for {$2600.00} to the HOI. Planet had no recollection of any previous payments. Although XXXX XXXX has already sent me a copy of the payment from XX/XX/XXXX. This put my escrow account in the negative approximately {$2000.00}. My property taxes finally got removed. The double HOI payment Im still waiting on a refund back. Now the property taxes have been added back on. When its already been verified of the exemption. Per Arkansas statue 26-3-306 this needs to be removed as I am a 100 % SERVICE connected PERMANENTLY XXXX Veteran.
Consumer complaint received 2017-02-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: United Student Aid (USA) Funds (WA)

My loan XXXX XXXX XX/XX/XXXX was at {$21000.00}, which was hardships and forbearance etc. I switch to Navient. Now it 's {$50000.00} showing on my credit, then they offered the Rehabilitation loan - I missed one {$5.00} ( XXXX dollar payment by being late ) I was already in my 6th payment of 9 ... they made me start from scratch all over again ..my second Rehabilitation attempt ... now in XX/XX/XXXX I finally have my 9 XXXX payment in ( do to hardship ) I am just waiting for my loan to come off default on my credit report. I have lost a lot of jobs and school time because of this and LARGE INCREASE IN STUDENT LOAN DEBT. what a wonderful solution. It increased my debt. because I miss or was late with XXXX dollar payment ... I was even unemployed at the time looking for a job : ( They said they would send me a letter in 30 days stating that my student loan is off default and to the Credit Agencies stating my loan is now in Good Standing. Let see if that true by XX/XX/XXXX*
Consumer complaint received 2024-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I'm experiencing distress, dissatisfaction, and anxiety due to the recent updates in my credit report. Despite consistently making timely payments, there are now late payment remarks on certain accounts. I have not missed any payments, and it's crucial that this issue is rectified urgently. I need your assistance to ensure that my credit report accurately reflects all payments made on time, ensuring its complete accuracy.
Consumer complaint received 2023-05-27
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: Resurgent Capital Services L.P. (DE)

LVNV Funding continues to illegally report two collections account on my credit report. LVNV Funding attempted to sue me in court, in which they could not prove the alleged debts belong to me and the judge dismissed the case. They refuse to remove a debt that one does not belong to me, and two one they can not legally tie to me. Please investigate this company as they are not abiding by the FCRA. I will attach the docket for your information.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (IL)

THE FIRST PROBLEMATIC ACCOUNT IS 1 ) XXXX XXXX ( XXXX ) XXXX XXXX # XXXX OR XXXX XXXX XXXXXXXX ( XXXX XXXX/ XXXX # XXXX AMOUNT {$0.00}. THIS ACCOUNT IS INACCURATE AT THIS POINT ITS FRAUD, THEY REPORTED AN ACCOUNT AS BEING LATE WHEN IT WAS WITH A WHOLE DIFFERENT COMPANY. NO FEEDBACK WAS NEVER GIVEN BECAUSE THEY WRONGFULLY REPORTED LATES TO MY ACCOUNT ( ACCOUNT WAS IN DEFERMENT/FORBEARANCE ). XXXX AND XXXX NEED TO REMOVE FROM MY FILE IMMEDIATELY. THE NEXT ACCOUNT IS 2 ) XXXX # XXXX AMOUNT {$3400.00}. THIS ACCOUNT WAS REMOVED FROM MY FILE AND REPLACED ON THERE ( I BELIEVE TWICE ). ITS ONLY ON XXXX. I'VE SENT IN A COPY OF AN OLD XXXX LETTER STATING IT WAS REMOVED YEARS AGO. BOTH ACCOUNTS NEED TO BE REMOVED FROM XXXX AND XXXX IMMEDIATELY. I'M GON NA FILE A CIVIL LAWSUIT AGAINST ALL 4 COMPANIES IF THESE ACCOUNTS CONTINTE TO LINGER FRAUDULENTLY ON MY FILES.
Consumer complaint received 2023-05-27
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: Sunbit, Inc. (GA)

I contacted the company in reference to a account reporting on my credit report. This account is reporting a {$400.00} balance and was charged off. I then reached out to the company SunBit in reference to these apparent allegations of me owing. I was told an account was made in a different state I do not live in and this was clear identity theft I would only need to wait till the department handling these type of inquiries was available. So I waited called back and started an investigation for identity theft. The company Sunbit tells me my claim has been denied and I have asked on a multitude of occasions how what information was used to come to that conclusion. No one responded to the email. No contact after informing me they would continue to charge me for something I never even signed or purchased. I need original sales contract with my signature and proof that I was identified before the creditor even used my ssn. I need your help CFPB I need them to be held accountable for these actions and a remedy for this situation so that my credit score does not continue to suffer because of it. I have over a 700 at every bureau except on XXXX which this company seems to be reporting this false information to.
Consumer complaint received 2023-05-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC. (NJ)

Halsted Financial has contacted me several times by phone and text stating I owe a debt to XXXX. I have not ordered anything from XXXX since 2018 and the balance was paid in full. I contacted XXXX and they are unaware of any money I owe to them. I also checked my credit report and see no such reporting. The XXXX has over XXXX complaints about this company attempting to collect on fake debts from consumers.
Consumer complaint received 2017-02-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (AL)

Midland Funding , LLC has continually contacted me about a debt I know nothing about. I informed them when they contacted me via phone on XX/XX/XXXX that I had no knowledge of this debt. I had my identity stolen in XX/XX/XXXX, which this could be a result of, but I do not know. This company was hostile toward me when I simply asked them what this debt was for, where it was obtained, when the account was originally opened, and the original creditor. For this reason I sent a certified letter requesting proof of debt, amount, etc. They responded with a letter ( dated XX/XX/XXXX ) stating they were " investigating '' and would provide me a response when finished. As of XX/XX/XXXX I have not received a response, however Midland reported to the credit bureaus on XX/XX/XXXX " Account information disputed by consumer, meets FCRA requirements ''. This is not possible as they have not shown any proof that this debt was indeed incurred by me, or what this debt is for ( loan, credit card, product? ). Even if it was my debt the time allowed by law to report it to the credit bureaus has been exceeded. The letter Midland sent me shows that the debt was charged off from original creditor in XX/XX/XXXX. At the very bottom of the letter sent back to me they included " Because of the age of your debt, we will not sue you for it. If you do not pay the debt, we may continue to report it to the credit reporting agencies as unpaid. ''
Consumer complaint received 2023-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX XXXX XXXX XXXX XXXX Capital one bank on XXXX XXXX XXXX aXXXX XXXX XXXX took {$140.00}!!! I need to make rent and it took my money and didnt deposit!! 
These past 3 times Ive made deposits it has returned some bills crumpled up and even spit them out! This time it closed it and still was showing for me to get my notes but the slot was closed!!! It completely took my money!! The atm says to call capital one and do not go anywhere but capital one is closed!! I cant speak to anyone until the morning This is XXXX XXXX
Consumer complaint received 2023-09-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kansas Counselors, Inc. (FL)

KANSAS COUNSELORS INC. 

Is on my credit report, I have never heard from these guys at all. I dont know who they are and they have never contacted me or verified anything They are saying I owe XXXX dollars but I dont know for what
Consumer complaint received 2023-05-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Certegy Holdings, LLC (FL)

I currently have a XXXX credit card which I use to purchase items. I have tried on multiple occasions to add my XXXX Bank account information to my wallet and every time I get an error message that states the routing number can not be accepted. Furthermore, I tried to send a check payment for the outstanding balance from my XXXX Bank account, and it was rejected as well. 

I submitted multiple customer service requests to XXXX to understand why they do not accept my payments. In communicating with XXXX, they let me know that they do not control the routing number tables and the verification used for payment processing. They use a company called Certegy to do their payment processing and verification, and that I need to speak to Certegy about resolving the problem.

I reached out to Certegy and submitted a ticket. The ticket was never resolved and a tier 1 agent reached out to assist. The tier 1 agent said someone would get back to me in a day to resolve the issue. It has now been more than 2 months with no call back. I did call back multiple times asking to speak with a supervisor regarding the issue, but I was always told I would get a call back but never have. 

Furthermore, I contacted my bank, XXXX Bank to better understand the problem and after further research they sent me the following communication to send to Certegy. It read as follows : " RE : VALID ROUTING NUMBER NOT RECOGNIZED BY YOUR COMPANY - XXXX Bank 's routing number is XXXX has been active in the Fed Routing Tables since XX/XX/2021. We received notice from our customer that your company does not recognize this information. The routing number can be verified at XXXX XXXX XXXX using the E-Payments Routing Directory. This routing number can be used for any Fed ACH transaction. We encourage you to update your records to allow your clients to use this active and valid routing number. '' Based on my understanding, Certegy needs to update their routing tables with XXXX Bank 's routing number so that XXXX and other large corporations can accept payments from XXXX Bank which is a publicly traded company and billions of dollars in customer funds.
Consumer complaint received 2023-04-10
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. (TX)

Recently, I did an investigation on my creditr report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report under 15 U.S code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-05-27
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: DISCOVER BANK (NV)

I SENT IN AN IDENTITY THEFT REPORT AND THEY SENT ME BACK A RESPONSE AS VERIFIED AN UPDATED THE ACCOUNT I NEVER RECIEVED ANY GOODS NOR APPLIED FOR ANYTHING WITH THIS COMPANY.SOME OF THE ACCOUNTS LIKE FIRST XXXX XXXX, XXXX XXXX, AND XXXX  HAS BEEN REPORTING CLOSED FOR OVER 7 YEARS AND STILL THERE, AND THOSE ACCOUNTS WERE FRAUD.
Consumer complaint received 2023-05-27
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: Upgrade, Inc. (NV)

I SENT IN AN IDENTITY THEFT REPORT AND THEY SENT ME BACK A RESPONSE AS VERIFIED AN UPDATED THE ACCOUNT I NEVER RECIEVED ANY GOODS NOR APPLIED FOR ANYTHING WITH THIS COMPANY.SOME OF THE ACCOUNTS LIKE XXXX  XXXX XXXX, XXXX XXXX, AND XXXX  HAS BEEN REPORTING CLOSED FOR OVER 7 YEARS AND STILL THERE, AND THOSE ACCOUNTS WERE FRAUD.
Consumer complaint received 2023-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2023 my phone was stolen and my bank account was ultimately withdrawn from to a negative balance. I contacted Wells Fargo on the same day using my roommates cell phone and notified Wells Fargo that all of the transactions were fraudulent due to my phone being stolen. The fraudulent charges included : XXXX XXXX transfers totaling {$2000.00} XXXX XXXX transfer totaling {$3500.00} XXXX wire transfers totaling {$24000.00} I received a notice from Wells Fargo dated XXXX in reference to the above mentioned XXXX transfer. This notice stated that the transfer was deemed an authorized transaction. I called Wells Fargo on XXXX to follow up on this notice and inquire about the remaining fraudulent activity. I was then told that there was only a claim for the aforementioned zelle transfer. This was a big mistake on behalf of Wells Fargo. I then put in another claim for the remaining fraudulent activity. On XXXX I received a notice from WF that the wire transfers were deemed as authorized transactions and that Wells Fargo, as a courtesy, had attempted to do a wire recall but that the funds were not available at the receiving bank. The issue here is that I put in claim on XX/XX/XXXX but WF did not make an attempt at recalling the transfer until after XX/XX/XXXX, due to their mistake. I also received notice from WF that the XXXX XXXX transactions were deemed as not authorized, so that money was returned to my account. The issue with this is that it was actually the first of all of the fraudulent charges after my phone was stolen, so this would set a chronological precedence of unauthorized transactions.
Consumer complaint received 2022-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

n accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2023-05-28
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX XXXX # 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
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Despite my efforts to rectify the situation, fraudulent account persist on my credit report so Im disputing the fraudulent information. This fraudulent information have a significant impact on my financial status and reputation. The investigation seems to have failed, as disputed account is clearly fraudulent. I urge you to promptly delete the account from my credit report, as other credit bureaus have already taken action to remove it after discovering errors. Additionally, the bank have already agreed to delete this. Not sure why theyre still being reported. Ive talked to the bank, they have my FTC Identity Theft report on file and informed me this account would be removed in XXXX days. 

XXXX XXXX XXXX XXXX XXXX