davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (TX)

XX/XX/2020 sum of {$2900.00} was sent from USA to XXXX through Western Union online service. 
No transfer fee was charged for the {$2900.00} sent at XXXX XXXX XXXX to a dollar. 
The {$2900.00} was deducted from my back account instantly accordingly. 

By Monday XX/XX/2020 when the receiver did not get the money, I checked my western union online account and confirmed the money is " In progress '' at Western Union end. I was informed by western Union that the money transfer did not go through and that the money would be cancelled and refunded. Was assured that the refund would enter my bank account between 3-5 days. 

I have not seen the refund, my bank said Western Union did not send the refund. From XX/XX/2020 to XX/XX/2020 the money has been " in progress '' per Western Union online report attached. I complained to Western Union through phone and emails severely ; complaint number is # XXXX. XXXX # XXXX XXXX XXXX is tracking number of the {$2900.00} " in progress ''
Consumer complaint received 2020-07-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

After many years of being negligent with credit checking. I checked my credit and discovered that I had a open XXXX credit card under the name XXXX XXXX. I once lived in a urban area my mailbox had been tampered with many times. I disputed the charges with the credit company.it 's actually a company that purchased the debt from another company. Explaining to them that my name is XXXX XXXX..not ( XXXX XXXX. ) Years ago I rented a room to a family member in conjunction to having the my mailbox tampered with the possibilities are endless for the potential for identity theft. My name is XXXX XXXX not XXXX XXXX the debt does not belong to me. I have decided to file a complaint against portfolio recovery associates LLC. Illegal practices by placing this debt on my credit that does not belong to me ( XXXX XXXX ) portfolio recovery associates LLC purchase XXXX XXXX debt merchant XXXX. portfolio recovery associates LLC paid {$120.00} for the original debt and now they're charging me {$710.00} debt that is on my credit report and I'm unable to do anything to have it removed, but to pay money that I'm not responsible for or to settle by paying either the full amount are the amount broken up over 3 months but why would I pay debt that I'm not responsible for.
Consumer complaint received 2018-03-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (AL)

XXXXAmsher Collections Services Inc. 

This is the second time you have violated the law and myself. YOU DID THE SAME EXACT THING IN XXXX. IS THIS HOW YOU ATTEMPT TO COLLECT ANY DEBT? BY NOT VERIFYING THE DEBT STATUS, AND NOT CONTACT THE DEBTOR TO MAKE ANY ARRANGEMENTS TO PAY. Not once did you try to reach out to me to attempt to collect any debt or advise an collection status. I do understand your FOR PROFIT Debt Buyer Company buys unknown unverified debt in turn to make a profit. This must stop. I need notification today this fraudulent COLLECTIONS STATUS is removed. 

Why does AMSHER waits to I pay the medical Bill in full only to place the current account in collections????? PLEASE ANSWER I am in receipt of the collections practices and correspondence made by Amsher Collections Services Inc. This Account has been paid in full since XX/XX/XXXX, and you have still ignored my payment. As of XX/XX/XXXX I have received several credit bureau alerts IAO {$110.00}. Regarding allege records of nonpayment to XXXX XXXX XXXX by myself. 
In conclusion it is my position to dispute Amsher Collections Services claims are entirely without merit. Amsher Collections Services Inc. must correct their records, and remove from the collections process FROM ALL THREE CREDIT REPORT AGENCIES. 

FYI, Amsher Collections is only known as a Debt Buyer with no actual proof, debt validation, or payment history really exists as the CFPB does not accept these kinds of violations. You have until Today to remove the collections from all Bureaus you are reporting inaccuracies. We are will filing suit against your For Profit Company AKA as a Debt Buyer Company, and involve several third parties to insure you comply, and recover any financial compensation by law. I request you send me confirmation you have complied with my request. 

Please see attached supporting docs and dispute letters are in transit to multiple agencies to insure you comply with the law. DOCKET IS FILE! 

FYI, Please respond to all to insure your complying with my request TODAY. Copied is my Attorney, CFPB, AL State Attorney General
Consumer complaint received 2016-10-12
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (MD)

I purchased my home in XXXX. At that time, my legal name was XXXX XXXX XXXX. In XXXX, I filed chapter XXXX bankruptcy. Since I had XXXX mortgages, the XXXX ( The XXXX XXXX ) was discharged. Since, they have sold to Caliber. I learned last week that Caliber has marked the account as active and state that I owe approx. $ XXXX. I have called numerous times. The automated system does NOT recognize my ssi number, nor loan number. The only other option is to dial the ext of the person you wish to speak. I CA N'T get through to a live person. I sent an email and received an automated response saying they will reply in the legal amount of time. What is the legal amount of time? I had a loan officer call. She was able to speak to a supervisor who argued with the loan officer. The representative stated they will take the FULL 30 days before responding. This is clearly an error. The only thing received since bankruptcy was a XXXX for tax purposes, clearing the debt. I have never received anything since. I just want this corrected immediately and off of my credit report. I am not sure if XXXX forgot to mention bankruptcy or if Caliber did this on their own. Bottom line, I need this to be corrected immediately. This is horrible customer service.
Consumer complaint received 2021-11-04
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY (MA)

My elderly mother who lives overseas has three accounts with Wells Fargo : a checking account, a money market account, and a CD. As of the time of this writing, the CD is worth about {$1400.00}. I am a joint account holder of the checking and savings accounts, as well as my mother 's POA. However, through some error, I was not added as a joint account holder to the CD. 

My mother called Wells Fargo XX/XX/2021 and attempted to add me as a beneficiary, payable on death, to the CD, but was told that nothing could be done unless she appears at a branch, in person. Despite my being joint account holder on two of her accounts and having general power of attorney over her, they will not add me as a beneficiary over the phone, or through the mail. They will not accept documents through any means other than in-person. 

It is physically impossible for my mother to appear at a branch office ; she is old and lives on the other side of the world. There are also no branches within XXXX miles of where I live : Wells Fargo has been closing branches at an unprecedented rate. No other bank requires one 's physical presence to add a beneficiary to an account. Most institutions even let you do it online. This requirement is unreasonable and not industry standard. 

Furthermore, the CD was originally created with a term of one year, but at some point was auto-renewed with the term extended automatically by the bank to 5 years. You can not leave standing instructions for the CD not to auto-renew : my mother will have to call them during the next 1-week " grace period '' before auto-renewal, which is 2 years from now. At her age, there is a distinct possibility that she will not be alive by then, which would mean having to go through probate to recover {$1400.00}. This is not feasible to do, so if this happens, the money will remain " stuck '' at Wells Fargo forever. My mother 's intention, in making me a joint account holder, was to prevent this very scenario.
Consumer complaint received 2021-09-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Recovery Systems, Ltd (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that NATIONWIDE RECOVERY would verify the debt. So I took it upon myself to ask NATIONWIDE RECOVERY for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX is reporting multiple accounts on Equifax that XXXX XXXX is reporting. This practice must stop as it hindered my financial growth and dramatically decrease my XXXX  and XXXX  score This makes it difficult for any creditors to see the real scores.
Consumer complaint received 2022-11-08
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: Experian Information Solutions Inc. (DE)

In accordance with the fair credit act, this creditor has violated my rights. Under 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604 ( a ) section 2 it also states consumer reporting agency can not furnish an account without my written instructions. Under15 usc 1666 b a creditor a creditor may not treat a payment on a credit card account under an open consumer account as late.
Consumer complaint received 2021-10-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

on XX/XX/2021 we sign an agreement with shell point mortgage we enter into a trail period plan for thee monthly payment of XXXX a month witch we made on time on date as follow XX/XX/2021 for XXXX, XXXX, and XXXX wile are mortgage was being process for a loan modification during the period of the trail, there reported to the agency`s to late payment for XXXX and XXXX wrong fully, we made Attempt to resolve this issue to no avail.
Consumer complaint received 2021-11-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am challenging the incorrect information with XXXX and XXXX on my credit report. Where XXXX clearly violated the law. XXXX put on my credit report an account numbers that is not my and the balance are false. The one month terms payment of an account that is completely close. Furthermore, XXXX mortgage is Fraud. The account is false, the date and the amount false. XXXX Mortgage is attempting to collect an alleged debt on the basis of fraud. XXXX making demand for payment on a mortgage paid in full. XXXX decided to ignore my demands for Validation. Validation of the debt XXXX XXXX, XXXX and XXXX. I need an ( actual accounting ) 2. Verification of claim against me ( a sworn affidavit or signed invoice! ) 3. copy of the contract binding both parties under Federal Debt Collection Practices Act ( FDC PA ). Im challenging this account with XXXX and XXXX of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature. Failure to substantiate the claim, Delete/remove accounts immediately.
Consumer complaint received 2020-07-09
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: AMERICAN EXPRESS COMPANY (CA)

I noticed that my report is reflecting late payments on two accounts from American Express. These items are inaccurate because both accounts are paid in full and in good standing. 

AMERICAN EXPRESS : # XXXX AMERICAN EXPRESS : # XXXX I am requesting that the item be deleted to correct the information. Please reinvestigate these matter ( s ) and correct the disputed item ( s ) as soon as possible. 

In accordance with the federal Fair Credit Reporting Act ( FCRA ), I respectfully request that you immediately delete the item. Additionally, I respectfully request that you forward to me an updated description of the procedure used to determine the accuracy and completeness of your removal as required by the Fair Credit Reporting Act and confirmation that this information will not be re-inserted. Thank you for your consideration and cooperation. If you have any questions concerning this matter I can be reached at XXXX.
Consumer complaint received 2021-11-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/ 2021 i was victim of the XXXX scam through Chase bank. 

I was looking for XXXX customer support to return an item and i found a number that i called and they pretended to be XXXX ( XXXX XXXX XXXX ). I asked to return an order ( value of {$320.00} ) and they told me that we needed to use XXXX through my bank, it did sound strange at first but since i don't call XXXX very often i thought it was a new way to do things. 

They asked me to download a screen sharing app called XXXX on my phone. I followed what they were telling me as i did not know that they were actually not XXXX. They also called me back from a different number XXXX XXXX XXXX. They guided me me through setting up a XXXX recipient and attempted sending {$1300.00}. The recipient they have set up is below : XXXX Refund Memo : Refund ID XXXX verify email : XXXX Amount : {$1300.00} XXXX asked why am i sending money to them if this is a refund and they mentioned that it is just a code and i will see later. They were having issues with the first payment so they tried a second one to a different email and amount ( {$490.00} ) details below. At that point the bank called me and managed to stop the second. They tried to call me for XXXX times while i was on the phone with the bank from the XXXX XXXX XXXX number but i never picked up. 

XXXX XXXX XXXX XXXX : {$490.00} The first one unfortunately went through for the {$1300.00} amount. 

I tried calling back the XXXX XXXX XXXX number to ask for the money back. I managed to talk to the same person but obviously they told me that i have hanged up the call so money is lost. My wife tried to call that number and she left a voice mail and the lady named XXXX XXXX called back. They were very nasty with us. 

Why Chase doesn't request verbal approval from the customers on all XXXX payments? Especially when they know about the XXXX scam and that i never made a XXXX payment in the last XXXX  months. I am really frustrated as i think Chase should have better protection for the customers and not just allow a scam to happen like this. If they see a XXXX payment made to " XXXX Refunds '' it should be a red flag and should be stopped to protect people from being scammed.
Consumer complaint received 2024-02-08
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. (NY)

I have recently pulled all my credit reports and came across these accounts that do not belong to me and FRAUDENTLY reporting to my credit profile. I have never done any business with these companies nerveless i haven't signed any contract that bind me to the ALLEGED accounts. I'm requesting that these accounts be removed from my credit profile as they are hurting my ability to obtain credit and being forced to be homeless with XXXX XXXX because of this matter.
Consumer complaint received 2023-04-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (AL)

I have 2 accounts with Credit Collection Services one is from XXXX ( # XXXX ) in the amount of {$300.00} and the other is XXXX ( # XXXX ) for {$190.00}. I have paid both of the debts in full and requested a goodwill deletion. They are however telling me that they do not do deletion just because you pay a balance. However I am working with XXXX XXXX to get my credit fixed for a mortgage and they told me that they get deletion letters everyday from this company that have deleted the account after payment but they will not do it for me. I have proof that they do in fact delete after a payment has been made so I am being treated differently than others and being discriminated against for some reason by them refusing to do the same for my accounts I would like these two reports to be removed from my credit because I have paid them in full just like they do and did with other consumers. I will attach proof that they do indeed delete reports from credit after a payment is made. But again they refuse to do it for me. This image I will attach is just from last week and was a recent client of XXXX XXXX who got the company to send a deletion letter because he paid his account in full which I have also. My credit advisor says he receives deletion letters from ccs all the time but they are refusing to treat me the same way as the person in the attached file and delete mine as well.
Consumer complaint received 2020-07-09
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. (NJ)

XXXX is reporting incorrect information to the credit bureaus regarding the status of my account. This is the 2nd time in just over 2 months that they have submitted incorrect information regarding my account to the credit reporting agencies. This is causing me hardship and potential monetary loss, especially in these times of covid-19. 

First of all, the account is not 30 days late as they keep reporting but is current. 

Additionally, a past due amount of {$2500.00} is being shown. I would like to see a detailed itemization of that amount. I have previously written to XXXX  numerous times regarding spurious charges on my account and no one has replied back to me. I again sent a letter dated XX/XX/XXXX and now XX/XX/XXXX asking for an explanation of this as well.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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. 

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, 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 an 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 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

15 US Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft!
Consumer complaint received 2020-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The accounts below do not belong to me, I do not know whom they belong to, I have never done business with either of these companies. I have tried many times to have them remove this from all three credit reporting companies, and it has not been done, as of yet. This is stopping me from providing for my children and buying a home. 


XXXX XXXX XXXX  Account Opened XX/XX/19 Balance {$12000.00} Account # XXXX XXXX Account Opened XX/XX/19 {$760.00} Account # XXXX
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2022-06-17
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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