davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (CA)

On XX/XX/22 I sent {$50.00} usd to XXXX XXXX in XXXX I received tracking number XXXX when XXXX attempted to retrieve the money she was informed by the western union pick up location in XXXX that it was cancelled, I immediately contacted western union at XXXX at approx XXXXXXXX XXXX pst only to be told by western union that I, the senders information could not be authenticated ( yet ive been sending money via western union for over 10 years ) I was then informed that since my identity could not be confirmed they would refund my money. On XX/XX/22 I checked the western union site only to see that western unions indicates, on their site that the receiver picked up the money. I subsequently contacted western union and was told I need to have the receiver return to the bank where she tried to pick up the money, once there call western union so they could officially cancel the transaction huh? are you kidding? this person needs to pay for a taxi to go do this, yet western union didnt release the money so how will she pay for the taxi? utterly ridiculous to tell me to have a non english speaking person return to their facility, call them to cancel
Consumer complaint received 2020-07-28
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. (FL)

Transunion have been charging my credit card for 30 months. I never signed up for the service. I was going through a rough time in my life with divorce and XXXX  XXXX. I neglected to check my credit card bills until recently. I called XXXX ( XXXX ) VISA to report fraud. I learned that my card was on auto pay ... .therefore Transunion was able to bill me for 30 months even though I have changed cards 3 times. 
I called Transunion and asked for proof that I have signed up. They charged me {$19.00} a month staring on XX/XX/2018 for almost 2 years then increased to {$24.00}. I never ever heard of Transunion until yesterday. I did not sign up for any of their services. I have good credit score and was not interested any credit services. I have no debts and live a simple clean life. 
Transunion can not prove that I have signed up and I never received an email from them regarding their services. 
They are very difficult to get in touch with. I called 3 times. The first agent offered a 9 months refund, the second offer was 10 months refund, the third offer was 12 months refund. I am so angry of this scam or fraud. I want a full refund plus ( interest? ) Please help. 
XXXX
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (FL)

The following is for Creditor - Discover  Account # ending XXXX in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-02-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (IL)

XXXXXX/XX/XXXX - Filed Ch XXXX Bankruptcy/Mortgage charged off -Continued to struggle after bankruptcy and unable to make mortgage payments -XX/XX/XXXX Nationstar began foreclosure proceedings against us while continuing to make loan modification offers to us that were not affordable. 
XX/XX/XXXX through JXX/XX/XXXX - we sent numerous letters - faxed and followed up with hard copies sent by certified mail with return receipts explaining our financial situation, literally begging for a viable solution, while all the time Nationstar was racking up more interest and penalties. 
-XX/XX/XXXX - Nationstar sent us a flyer stating " Mortgage Help is available '' inviting us to a 'Help for Home Owners community event at the XXXX XXXX XXXX. 
XX/XX/XXXX - We met with a Nationstar representative who told us that the mortgage company would carve off {$140000.00} from our mortgage balance in order to facilitate a monthly payment we could afford and this {$140000.00} would go into an interest-free bucket which would eventually be forgiven once all the dust settled from the XXXX crisis. THIS 'FORGIVENESS ' NEVER HAPPENED. 
When we bought our first home after renting for 25 years in XXXX, the amount of our mortgage was {$410000.00}. Today, after almost 15 years of making mortgage payments, our mortgage balance with Nationstar is {$440000.00} ( when they add the {$140000.00} in the non-interest bearing portion ). The fair market value of our home is way below {$440000.00}. How is it legal or ethical that after 15 years of paying ( with an 18 month period of non-payment ), we owe {$24000.00} MORE than the original mortgage amount? Not to mention our mortgage term went from 30 years to 45 years! I'm XXXX years old and my husband is XXXX ... we will NOT LIVE to see the day when our mortgage is paid. Something isn't right. We have contacted Nationstar countless times and NO ONE gets back to us. We sent emails with 'Read Receipts ' that were opened and ignored. We sent an email to the president of Nationstar ... no response. We believe we were coerced into an agreement that took advantage of us and is completely unfair but so far, Nationstar ( now Mr. Cooper ) does not respond to our pleas for explanation and/or forgiving the {$140000.00} as they implied when they convinced us to agree to the mortgage modification plan in XXXX.
Consumer complaint received 2024-03-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consolidated Recovery Group, LLC (NY)

CONSOLIDATED RCVY GRP XXXX Collection Individual XX/XX/XXXX Collection account. {$14000.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$14000.00} XX/XX/XXXX I never borrowed any money from this company Never had an account with this company or the original creditor this is unfair I need an investigation into this matter thank you
Consumer complaint received 2024-03-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC (GA)

I was trying to send money to my own account to the XXXX XXXX and they cancelled the transfer with no apparent reason ; not only that they gave me the option to try again only to block me with no warning, clear reason, discussion of what was going on, chance to defend myself or clarify what is going on.
Consumer complaint received 2022-03-02
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. (FL)

I'm having issues with Experian they pretend to investigate your case on your behalf & do nothing! I sent out a letter to the company on XX/XX/2022 to inform them to correct my account & later they pretend to verify the account which they did not, XXXX XXXX XXXX. Experian keeps on dropping my score for no reason like they claim. Experian pretends to investigate & doesn't do anything. I have things that are on my credit report the statute of limitation expired on this account they leave it there!! also, I pay all my credit cards down but somehow they still show I have a large balance which is incorrect!! They also pretend they can not process your information because they can not identify who you are when I sent in my picture ID, SS card #, address, & also my light bill. they do this to delay the process of processing your claim or investigating the claim they want to keep you at a low credit score, I have documentation I sent the company paperwork & paid certified mail.
Consumer complaint received 2019-10-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The McHughes Law Firm, LLC (AR)

Ive been paying this company for years and I have the receipts to prove it. Their records dont match my receipts FROM THEM and  they are illegally taking money from me when my debt has been paid. This company has inflated the charges to the Point that I can not pay for my medicine after a recent XXXX. That have taken advantage of my age and health by continually taking my money to cover a debt that will be paid off if they were to add the valid receipts that are not on their printouts of my payment. Im tired and I have to have money to ensure my health. This company is paid and I want any involvement with this removed from my life and my credit.
Consumer complaint received 2024-03-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

Dear Sir/Madam, I am writing to file a formal complaint against Wells Fargo regarding their refusal to reimburse me for unauthorized transactions on my account while I was incarcerated. My name is XXXX XXXX, and my account number with Wells Fargo is XXXX. Despite being incarcerated during the period in question, unauthorized transactions were made on my Wells Fargo account without my knowledge or consent. 
Upon discovering these transactions, I promptly contacted Wells Fargo to report the issue and requested reimbursement for the unauthorized charges. However, Wells Fargo has repeatedly refused to reimburse me for these unauthorized transactions, citing various reasons that do not justify their failure to protect my account and address the fraudulent activity. I have provided Wells Fargo with all necessary documentation and information to support my claim, including proof of my incarceration during the time of the transactions. I am deeply concerned about Wells Fargo 's handling of this matter and their apparent disregard for consumer protection laws and regulations. Their refusal to reimburse me for unauthorized transactions has caused significant financial hardship and distress. I am seeking the assistance of the Consumer Financial Protection Bureau to investigate this matter and ensure that Wells Fargo fulfills its obligations to me as a consumer. I request that the CFPB take appropriate action to hold Wells Fargo accountable for the failure to protect my account and provide me with the reimbursement I am rightfully owed. Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in resolving this dispute. Sincerely, XXXX XXXX
Consumer complaint received 2020-07-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Oliver Adjustment Co. (WI)

I am requesting that the dept. of {$280.00} is removed off my XXXX   account. I would please like to have it removed I am working o my credit and would soon like to purchase my first house! with this dept. being from the original creditor XXXX XXXX XXXX SC opened XXXX XXXX 2017 making this XXXX XXXX XXXX. I am asking please remove this account from my credit report so I can get closer to my goals.
Consumer complaint received 2018-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southern Management Systems Inc. (FL)

On XX/XX/XXXX, my daughter re-let her room in XXXX XXXX XXXX in exchange for ending the fall XX/XX/XXXX lease. As the lease guarantor ( co-signor ), I facilitated the re-let agreement. The rent for the semester was paid in full at the beginning of each semester to ensure there were no shortfalls. 
XXXX moved her personal belongings out of the unit at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX on XX/XX/XXXX as agreed to by XXXX XXXX, the leasing XXXX at that time. The requirements to begin the re-let agreement were met due to the new tenant signed a lease and the re-let fee was paid. XXXX returned the keys to management and her room was inspected. At that time, we were advised that we had no further financial obligations to XXXX XXXX XXXX. Please see attached form. 
On XX/XX/XXXX, Southern Management Systems XXXX XXXX XXXX XXXX XXXX XXXX reported a derogatory mark on my credit file in the amount of {$730.00}. 
I request that this item is removed from my credit file due to the financial obligations to XXXX XXXX have been fulfilled.
Consumer complaint received 2018-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC (IN)

I called XX/XX/XXXX to inquire about this debt. XXXX XXXX , XXXX informed me that XXXX deleted this debt XX/XX/XXXX. And that it was withdrawn from my credit report XX/XX/XXXX. 

It still shows up on my credit report from the three bureaus. It shows up once from XXXX XXXX , XXXX, again as XXXX, and again as ERC account number XXXX as till owing.
Consumer complaint received 2020-07-28
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. (AR)

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. DPT ED XXXX XXXX {$4500.00} DPTE DXXXX   XXXX {$2100.00} DPTEDXXXX XXXX {$1600.00} DPT ED XXXX {$2100.00}
Consumer complaint received 2021-09-01
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: InstaMortgage Inc. (TX)

I work in the XXXX XXXX, and I received a deceptive mailer from Arcus Lending ( now doing business as XXXX, NMLS # XXXX ). The mailer is obviously intended to trick the receiver into thinking it's a past-due bill. It has the name of my existing VA mortgage lender ( XXXX ), and it contains language like : FINAL NOTICE, IMMEDIATE RESPONSE REQUESTED, and TO THE ORDER OF : XXXX XXXX. When you open the mailer, the ( extra small ) fine print indicates it's from Arcus Lending, but there's a big bold 1-800 number along with a " Notice Number. '' This is obviously intentional ... They are trying to trick the receiver into not reading the fine print, but just calling the number. So, I did call the number and played XXXX, and asked the guy if this is a bill from XXXX. He reads what sounds like a pre-scripted response to tell me it's not a bill, and he's not with XXXX, and I've qualified for their XXXX  program. I ask him who he's with if not XXXX, and his exact words are, " Im with the Texas VA Mortgage Program. '' I ask again, and he again tells me he's with the " Texas VA Mortgage Program. '' At no time did he identify that he was with Arcus Lending or XXXX. I believe these are intentional deceptive business practices that are likely created to trick elderly veterans into contacting the company, so they can be given a high-pressure sales pitch to refinance their homes. Even the language on the phone seemed design to confuse the person into not knowing this was just a solicitation call to refinance a home with a different mortgage lender. I have shown the mailer to multiple colleagues in finance ( including at XXXX ), and they all agree that these appear to be blatantly deceptive business practices.
Consumer complaint received 2020-12-15
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)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (FL)

XXXX bought out Simple and has been reminding us their transition date is XXXX for months. Now their transition set up site has been utterly collapsed and their only response is to hang up on people on their customer service line and hide the tweets of people complaining about this unacceptable inability to access our bank accounts. They seem to have no intention on reaching out to people individually or even interacting, instead just trying to sweep things under the rug as much as possible. Were I able to access my bank account, I would have already closed my account with them. Extremely unprofessional both in execution of the transition and with their complete non-response. Theyve instead just opted to lie and say theyve rolled out a fix already, and then ask people to call the next day XXXX today, XXXX XX/XX/21, mothers day XXXX, to see if people over the phone can help, albeit everyone instead reports getting hung up on by XXXX the moment they mention simple.
Consumer complaint received 2020-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (CA)

I have a down payment assistance loan through Statebridge Company. I have repeatedly attempted to pay my bills and its almost like they wont allow me to. I was not notified of the loan and who to pay until after the first payment was due. Since then, I have not been allowed to pay online and the one time I sent a check ( sent XX/XX/XXXX, deposited ( XX/XX/XXXX! ) before the due date and they held onto it for weeks until it was late. I have repeatedly tried to call to pay and they hang up on me as soon as I get through to someone. That is on the rare occurrences that I can actually get through to them. It takes 45 minutes to an hour to make a phone call to them, only to be hung up on. They suggest I sign up for automatic deduction, but I honestly do not trust this company anymore. 

They will not respond to my emails, or questions, wont answer my phone calls and wont accept my payments. My credit is now destroyed and I am at a loss. 

I just want to get squared up and fix my credit. I feel like it should be possible to make a payment to a company that reports to credit agencies.
Consumer complaint received 2023-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (PA)

On XX/XX/22 I received a text that there was suspected fraud on my citi bank card. Someone had made a purchase at Best Buy for {$1600.00}. Because I was not the purchaser, they began an investigation that resulted in them informing me that I must have made the purchase because my card was used. Up until that time I had always paid my account in full each month. I asked them to re-investigate, but apparently they have not. I am not sure how to prove that his charge is not mine.
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (CA)

BBVA USA transferred simple accounts to their service on XX/XX/21 XXXX of the accounts could log in They had no tech support No way to contact the company XX/XX/21 instructed to call customer service.. 
Multiple customer service agents answering, claiming they can't hear, and hanging up. Repeatedly. 
No way to access funds No access to debit card No way to contact bank No way to get into accounts at all due to mismanagement.
Consumer complaint received 2019-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have attempted to correct the first date of delinquency with all of the credit reporting agencies, including XXXX XXXX and have provided the corroborating documentation as evidence. 
I spoke with XXXX XXXX and requested the first date of delinquency and payment history because the credit reporting agencies are reporting that the first date of delinquency is reporting correctly. 
I spoke with an Equifax representative and had him review the date of first delinquency as reported on the current report and he observed the date reported in the payment history but also observed a different date in the section that would have it removed in the 7 year history for removal. The representative informed me that it appears that the system is picking up the latest date of first delinquency not the actual date of first delinquency. 
I am providing a copy of my Equifax credit report dated XX/XX/XXXX showing the date of first delinquency for the XXXX XXXX Home Mortgage Acct : XXXX as XX/XX/XXXX and the XXXX-month payment history which shows XX/XX/XXXX as 30 days late. 
I am providing a copy of my Equifax credit report dated XX/XX/XXXX showing the date of first delinquency for the XXXX XXXX Home Equity Acct : XXXX as XX/XX/XXXX and the XXXX payment history which shows XX/XX/XXXX as 30 days late. 
Since I have filed my complaint with XXXX XXXX, the representative and the company provided me with the Discharge of Mortgage ( see copy ) on XX/XX/XXXX which was submitted on XX/XX/XXXX. 
I believe that the computer programs that Equifax, XXXX and XXXX utilize is only picking up the date of the latest first delinquency not the actual date of first delinquency. As you can see, I attempted to save this property and made payments which is why all of these dates start over. 

I have spoken with representatives from Equifax, XXXX and XXXX in an attempt to have this problem corrected and properly reported so that these negative accounts will be removed in accordance with the 7 year timeframe.
Consumer complaint received 2022-03-02
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OK)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.