davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

On XX/XX/23 I transferred {$1800.00}, via Zelle XXXX XXXX ) based on an e-mail that I received from my XXXX. E-mail was a standard method of communication between us. Per the e-mail I submitted the 50 % down payment to " his accountant '' ( I referenced my XXXX 's name and the project details in the title and memo section with Zelle XXXX. On XX/XX/23 I met with my contractor at the project site. My contractor indicated that someone must have hacked his e-mail account and that he did not send me the e-mail. The history of the e-mails I received shows his valid e-mail address. My contractor filed a police report as did I. 

I immediately called my bank, XXXX, to report the " mislead scam ''. I provided them with all of the information over the phone, including details for them to confirm that this was a " mislead scam ''. I offered to provide additional information, if they needed it. At no point did they ask for additional information. They ultimately rejected my claim indicating that " they processed the Zelle transaction as requested ''. I immediately called XXXX again to provide them with additional information to show " mislead scam ''. They ultimately rejected the second claim under the guise of " they already rejected my initial claim ''. 

I then contacted my XXXX XXXX XXXX and sent him copies of the two police reports and all e-mail correspondence with my contractor 's e-mail address. A few days ago they rejected that claim solely on the basis that there were no longer funds in the receiving bank account ( we all know scammers immediately move the funds ). I initiated more research and found out that Zelle/XXXX XXXX  implemented new procedures regarding " mislead scams '' that XXXX quality for. However, as of today ( XX/XX/23 ), XXXX refuses to get the receiving bank to send the funds back to XXXX. My understanding is that member Banks ' terms of service should have changed that allow for this provision. Yet, XXXX continues to reject my claim. I believe that XXXX committed material misrepresentations to me by saying " they have to reject my claim because there are no longer funds in the receiving bank account ''. 

My contact at XXXX is XXXX XXXX ( XXXX VP Wealth Market Leader, XXXX, XXXX )
Consumer complaint received 2018-04-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CT)

I am having with my mortgage servicer Ditech, Formerly Green Tree Servicing. They have the same employees from Green-Tree because I was told by an employee after I was abused again on the phone. Im sure that you are aware, but in case you arent Green Tree Servicing was issued over 60 million in fines for bad practices. I am unfortunately one of their customers and I have nothing but issues with them from the time my loan was sold to them. I am first and foremost a human. I became sick. I was receiving abusive phone calls from them every day of the month after the first day of the month. Any dealings with them were starting to be ignored by me and I stopped answering my home phone all together as I was just simply overwhelmed, sick and beginning to break down emotionally. I have a crazier situation in my neighborhood, but it would take a much longer letter to explain. I got a mortgage modification, and after about a year of this modification my mortgage went up in price. I am a human and as a human we make mistakes, so for five months I did not realize my payment went up. Green Tree because of the escrow shortage made it a full payment ( considered it to be that I missed a month-Instead of treating it like escrow. I was told by a supervisor on XX/XX/XXXX & I recorded the phone call that they would not report escrow as being late, yet that is exactly what they did. I had continued making my regular payment on-time, without the escrow increase unaware. When I realized it I immediately started to send extra. Ditech ( formerly Green Tree ) admits I made a payment arrangement with them. After making a payment arrangement how can you continue marking the on-time payment that includes and extra payment towards the escrow late? They admitted I made a payment arrangement with them & yet they continuously mark me 30 days & 60 days late. I was being marked late from XX/XX/XXXX XXXX the whole year of XXXX. I am in possession of the credit report, the printout from the mortgage company of the dates when they received the payments. I am getting no-where on the phone and they are unwilling to take those lates off of my credit. I get the run-around on the phone. These lates are not just marks on a paper, this is my life we are dealing with. Right now I found the perfect house, but I can not get mortgage approval ( its the only thing holding me back ) its urgent as I dont want to loose out on that home, its perfect amount of space, taxes are good, away from this community and private. I am trying to get a better life for my kids, we are currently a family of XXXX in a 860 sq ft home. The private community in which I live is a struggle. While I am grateful that I own a home, and I have a roof over my head, its not a toxic situation and I am asking you to please help me. This is bad practice. Please follow up urgently.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2017-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (OH)

Balance transferred ( via mai l ) f rom  XXXX  Bank to Citibank on  XXXX / XXXX / 17  remaining principal of {$9200.00} prior to 0 % interest offer expiring on  XXXX / XXXX / 17  (  1st a ttachment ). Citibank did not post the balance transfer ( see Complaint  XXXX  ). Paid minimum payment of {$130.00} to  Citibank for billing cycle that balance transfer was to pay-off. Reissued balance transferred ( via mail ) from  XXXX  Bank to Citibank o n  XXXX / XXXX /   17  remaining principal of {$9100.00}  ( 2nd att achment ). The second at tempt Citibank did post the balance transfer, thus fulfilling the remaining principal. Called Citibank to have them close my account and reverse the late fee ( s ) and interest, but as the last two attached statements show, they did not do the reversals. The account has now been closed, but the statements still   show late fee ( s ) and interest.
Consumer complaint received 2024-03-25
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (OH)

On XX/XX/XXXX a " retail buyers order '' was signed at XXXX XXXX used car lot for {$11000.00}. 
The amount paid so far is XXXX. 
The vehicles XXXX XXXX XXXX value is worth {$3600.00}. 
When asked for the contract with a wet signature XXXX XXXX sent a " retail installment contract '' with a digital signature on paperwork that I've never seen or signed stating the balanced owed is {$21000.00}. 
XXXX XXXX obscured the true costs of the loan violating the Credit Protection Act of 2010.
Consumer complaint received 2019-07-01
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (WA)

I was a student at XXXX XXXX  on Financial Aid. I had limited funds left, however, I was told I had enough for one more term with them, so I enrolled. When the loans got disbursed, it showed that I actually owed money instead of receiving money, so I immediately called and emailed my enrollment coach. They looked into, and I even got in touch with the Financial Aid office in XXXX, who stated she was confused because it showed I had money available. I immediately withdrew to avoid any further charges, and then I started getting collection notices from XXXX last XX/XX/XXXX. I wrote them back via email 3 times and with letters, 3 times as well stating the issue that I was not responsible for the amount they were charging me. The last email I sent was dated, XX/XX/XXXX. I didn't receive anything for awhile, so I thought they took care of it, and then last month it showed up on my credit. I disputed saying it was fraud, but the results came back saying it was verified and accurate. I don't agree with this as it wasn't my fault. The school gave me misleading information about funding I had available. They are responsible, and I want this removed from my credit. The account is in collection by a company called General Revenue Corp., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX x XXXX for the amount of {$390.00}, which is incorrect, the amount from XXXX is {$380.00}.
Consumer complaint received 2020-02-09
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: Experian Information Solutions Inc. (NC)

I HAVE MOVED FROM XXXX XXXX BACK TO XXXX I SEEN THAT SOMEONE HAS ACCESS MY PERSONAL CREDIT FILES AND I HAD LOST MY ID A WHILE AGO. I WANT TO PROTECT MY CREDIT FILE AS MUCH AS I CAN. SOMEONE IN XXXX XXXX HAS BEEN USING MY NAME A SS CARD NUMBER TO APPLY I REQUESTED SEVERAL LEGAL DOCUMENTS AND HAVE NOT RECEIVED ANY-THING. I AM A VICTIM OF FRAUD. I PULLED MY CREDIT REPORT AND FOUND SEVERAL ACCOUNTS ON MY REPORT THAT DO NOT BELONG TO ME. THE AC-COUNTS LISTED BELOW DO NOT BELONG TO ME : 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 2018-04-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: CITIBANK, N.A. (IL)

My problems is the illegal discrimination that citigroup and it's ceo XXXX XXXX are using against XXXX companies and XXXX owners. Why would you bow to a few and not allow legal XXXX transactions from law abiding citizens and XXXX companies? You are forcing your views on me and other XXXX owner. You are infringing upon my rights as a legal XXXX owner to make legal purchases. This does not do anything to curb XXXX problems in this country. Your institution was bailed by people like me. I guess we can put you under by not patronizing your company and others like XXXX XXXX XXXX. We as XXXX owners can have our voice heard by hurting your pocketbook.
Consumer complaint received 2023-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

I paid off my mortgage with United Wholesale Mortgage in XX/XX/XXXX. United Wholesale Mortgage failed to provide me with the original note and deed of trust. I mailed a Notice of Error to United Wholesale Mortgage in XX/XX/XXXX asking for the original note and deed of trust. United Wholesale Mortgage still has not provided me with the original note and deed of trust.
Consumer complaint received 2019-07-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc. (FL)

After receiving a copy of my credit report, I noticed a debt in the amount of {$800.00} for a former residence of mine. I reached out to the collection agency for validation and received an invoice from the apartment complex. In XX/XX/2018 I took the apartment complex to court for the debt and through Mediation, the amount owed was invalidated. The final agreement signed by all parties shows the complex owed me {$300.00} and I owed them the same amount. This means the amount is negated. National Credit Systems continued to report the balance as {$800.00}. I disputed it with the credit bureaus and National Credit Systems updated the balance to reflect {$300.00}. As recently as 23 days ago they continue to falsely report this acount.
Consumer complaint received 2019-09-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

The mortgage company double charged me for one month in XXXX when they bought the loan from XXXX XXXX. Even though I have been writing them and calling them about the error they denied my claim. In addition they are charging me very high penalties every month and they are increasing their penalties every month. I have paid thousands of dollars in unfair usuary penalties but making my payment. The latest one you can see shows {$310.00} in fines on a {$670.00} mortgage. I need someone to intervene and see about getting back some of these unfair fines. Thank you
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (NY)

Please note I was very alarmed when I learned that Freedom Mortgage reported me as 30 days late for the month of XXXX. I was not late in XXXX at all, as can be evidenced by the payment made on XX/XX/XXXX. Please note the attached XXXX Statement clearly showing that the the XXXX payment was received/ A payment of {$3400.00} was made on XX/XX/XXXX. The due date is XX/XX/XXXX. The payment was 14 days late, and shouldn't have been reported at all. 
Please correct the reporting and report the account as current. I have never been late on this account as I am enrolled in autopay. 
Please see the attached Mortgage statement clearly showing that the payment was made on time, as well as a screenshot of my current reporting depicting the 30 day late reported by Freedom mortgage
Consumer complaint received 2019-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (AZ)

received a notice that our payment was going up {$400.00} in may. When we called on XX/XX/XXXX ( we had our wedding planned, so didn't do anything until XXXX ) we were told that they did not pay our home owners for XXXX. When we investigated this they said they paid out the remaining escrow account and applied the difference we were continuing to pay to the principle, and not escrow acct. When we asked why we were not notified they stated we sent a letter. Now they state that our payment is going up as they have done a new assessment that includes home owners, and they need to refill the escrow acct. They states that they did not pay the home owners for XXXX because it was in husbands name only, and mortgage is in my name. We asked for a payment history so we could verify that the payments we sent were received and that they had put payment in the incorrect spot.This was verified by their payment history. we also saw that they did pay the home owners for last year, even thought they said they did not, and they didn't place the correct amount of money in the escrow acct for the year. Now they are saying we need to pay the difference since they misapplied the payments.They are also sending back our payments stating that we have not paid they appropriate amount, even though our payment history is equivalent with our mortgage paperwork.
Consumer complaint received 2019-07-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (TX)

Company Trident Assets Management has reported to 2 credit reporting agencies that I owe {$470.00} for a debt that isn't mine. I sent a letter to them stating show proof i.e. original document bearing my signature. The company sent their proof which was an old bill that DID NOT show any original proof i.e. mine signature. I sent an additional letter asking them to show original proof bearing my signature, 30 days have elapsed and I still have not heard back from them via phone, email, or mail showing their proof bearing my signature.
Consumer complaint received 2019-07-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (AL)

I purchased furniture for my daughter and grandson from the XXXX, AL location on XX/XX/XXXX. The store messed up the order THREE times and I had to receive a different ( less expensive bed. ) I finally received the correct shipment/merchandise and was told for my trouble they were reimbursing for the delivery fees. However, I never received a credit for the delivery fees and the invoices were never adjusted to reflect the merchandise that I received. I called repeatedly to customer service, went to the store twice and finally filed a dispute with Mastercard on XX/XX/XXXX for {$360.00} and {$160.00} which were the amounts for delivery fees and partial order. The store disputed the {$360.00} with Mastercard AND also added new charges to my store card : {$220.00} on XX/XX/XXXX ; {$95.00} on XXXX ; {$83.00} on XXXX. I called XXXX to dispute these new charges and was told I had to contact the store. I called customer service first who told me it was between me and the store so I went to the store a third time because I could not believe that the store could put additional charges on my store credit card without my authorization. I could not believe that it was so easy for them to pull my account and add charges and force me to pay for their error. On XXXX when I visited the store, I finally got resolution. I met with " XXXX '' who printed my invoices and saw where I was overcharged and never issued a refund for the delivery charges. He issued a credit of {$200.00} and {$59.00} to my Mastercard and {$110.00} to my XXXX store credit card. Reference Credit Memos XXXX and XXXX on XX/XX/XXXX. The disputed amounts on my Mastercard were reversed and the merchant received the {$360.00} and {$160.00}. NOW I received a collection notice dated XXXX ( three months after this has been resolved ) which was sent to the delivery address ( not my address ) for {$160.00}. I have attempted to call the number on the notice which is the corporate telephone number XXXX. Five phone calls and all I get is a recording. So here I am AGAIN with XXXX harassing and adding charges and strong-arming the customer to pay for services NOT rendered. And who will be punished? ME and my excellent credit rating. This is absurd that a company as big as XXXX operates in the manner and this needs to be looked into because there are others - just read XXXX Reviews.
Consumer complaint received 2019-07-01
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: EQUIFAX, INC. (NY)

Accounts & Inquiries on my report that DO NOT BELONG TO ME : Accounts XXXX XXXX XXXX - {$0.00} Opened XX/XX/XXXX XXXX XXXX XXXX - {$3500.00} Opened XX/XX/XXXX XXXX XXXX XXXX - {$1700.00} XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-07-01
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. (NY)

Accounts & Inquiries on my report that DO NOT BELONG TO ME : Accounts XXXX XXXX XXXX  - {$0.00} Opened XX/XX/XXXX XXXX XXXX XXXX/XXXX - {$3500.00} Opened XX/XX/XXXX XXXX XXXX/XXXX USA - {$1700.00} XX/XX/XXXX Inquiries XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2019-07-01
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. (SC)

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation in my Transunion report . This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2019-07-01
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. (SC)

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation in Transunion report . This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit