davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ascendium Education Group (PA)

I have formally requested a hearing for the current Wage Garnishment that is being enforced on my salary from XXXX XXXX out of XXXX, NY. Apparently Im being held responsible for approximately {$26000.00} of Student Loans from XXXX XXXX XXXX XXXX XXXX XXXX for years spanning from XXXX to XXXX. I have filed an official Police Report that Im going to hand in with my Identity Theft Packet if needed. I only attended XXXX from XX/XX/XXXX to XX/XX/XXXX and was not aware of the identity theft that was going on using my personal information. 

When I requested the Promissory Notes and Identity Theft Packet from XXXX and/or Ascndium I was sent loan information from a XXXX XXXX out of Texas also, which contained no Signature Page, those loans were in the amount of {$11000.00}. The other Promissory Note that was sent is not even my signature. The different loan amounts and account numbers are confusing because there are simply too many of them to keep track of and the amounts are different across the board. 

I believe that the Administration Department at XXXX was using my personal information to apply for Federal Funding over and over again until finally going out of business. Ive also attached a reference about Federal Court granting relief for XXXX Students because Im not the only victim that this has happen to. This garnishment will absolutely put my family in financial peril, I will lose my house and everything that Ive worked for.
Consumer complaint received 2021-01-22
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. (GA)

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2021-01-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

Due to technical issues related with the electronic system of my mortgage company select portfolio servicing, the payments corresponding to the months of XX/XX/XXXX and XX/XX/XXXX were not processed or did not go through and it was when I called to make the payment corresponding to the month of XX/XX/XXXX when I learned about this inconvenient and I was able to mail the payments for those months. Due to these technical issues, payments on my loan number XXXX corresponding to the months of XX/XX/XXXX and XX/XX/XXXX are reflected on my credit report as 60 days late and is affecting my ability to buy a single family home to move with my family
Consumer complaint received 2022-09-22
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. (IN)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXXXXXX. ) XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX BANK XXXX, XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 XXXXXXXX, and XXXX  XXXX XXXX have 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.
Consumer complaint received 2021-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NY)

I make two different transactions with my American Express card : XX/XX/XXXX for XXXX and the second XXXX for XXXX on XX/XX/XXXX For a total of XXXX dollars to the company called XXXX XXXX XXXX. This company offers travel experiences ( not flights and is base on the XXXX XXXX ) Due to the COVID pandemic, the company postpones the trip to XX/XX/XXXX ( originally scheduled for XX/XX/XXXX ) At the time, the company did not issue any refunds. On XX/XX/XXXX received an email that the company was filing for bankruptcy/insolvency. Before that, they send information that they will no longer able to fulfill the trip. Base on the information from the company. According to the Civil Aviation Authority ( CAA ) and XXXX XXXX ( Think it is the insurance company representing XXXX XXXX XXXX ) I should claim the refund through my credit card. In my case American Express. 

I contacted American Express on XXXX/XXXX and file a dispute for both chargers. I provide documentation. Including emails and insurance files provided by the company. However, American Express closed the case. They claim that we're unable to reach out to the company and that time for the claim has elapsed. I gather extra documentation and re-open the dispute on XX/XX/XXXX. On XX/XX/XXXX I received the message from American express essentially closing the case with the same arguments. It is clear to me that American Express refused to revise the document that clearly states that it is the credit card company that should issue the refund, not the merchant. Moreover, the person I was going with. Submitted the same information as me at the same time and was able to get a refund back. It seems to me that the credit card company is selectively choosing who they are going to give a refund to and refused to even investigate and read any documentation submitted that clearly states my case.
Consumer complaint received 2021-07-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (GA)

This debt is illegally being reported to my XXXX  and XXXX  Credit File. I do NOT have any contracts between myself and _____ ( debt collector ) They have failed to provide documentation that the debt is legal. 

The company in which my original account was created SOLD the debt to this collector therefore, having sold the debt and leased the premises out after moving they are not legally allowed to collect on a unit that is now occupied. 

This debt is not valid, as I was allowed to terminate our lease due to distress created for my family by administration of this facility. 


What I want? 

I want this debt listed by _____ immediately removed from all of my credit profiles. 

They will ask have you tried to resolve this issue with the company. 

I have tried to resolve this and they are unable to verify that I have a debt / document with their company. 

That should be it. Make sure you put your social and email so they can respond and notify you of updates.
Consumer complaint received 2021-01-22
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. (GA)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2021-01-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Town Financial Corporation (IA)

Company waited almost 4 yrs between notifications and started garnish my wages again for an amount still collecting intrest. Or figure out an amount to settle on that us around the amount of the original loan amount. Dont think I should have to pay anything then what I have already paid considering the company waited so long between garnishment
Consumer complaint received 2022-10-21
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (MD)

We purchased American Express Gift cards close to {$60000.00} worth as gifts. We learned from some of the recipients that Gift cards had zero balances when they went to use them for the first time. We went through the ones we had left and Yes, they were correct they all had ZERO balances, used all over mostly in XXXX, Arizona, Washington XXXX. 
These were all sealed Gift Cards opened for the first time with Fraud activities on them. 
We have been trying to contact AMEX between the Gift card company and AMEX cards we have been getting the run around for over a year now. We contacted XXXX  and they could not get a resolution saying they are hard to communicate with. They said we sent you a letter stating we found fraud on cards and we sent you a refund check. Completely not true since we never received any refunds from them. I had gone on AMEX gift card review page online and could not believe what I was reading that this is happening to everyone. How they are getting away with this FRAUD blows our mind. This is a huge amount of money and something needs to be done please.
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX, I noticed that XXXX XXXX  XXXX reported that my mortgage loan increased by {$98.00}, causing my credit score to drop 30 points on XXXX and 31 points on Transunion. The loan amount that was reported on my credit reports was {$57000.00}. The correct amount according to XX/XX/XXXX 's XXXX XXXX  XXXX Statement is {$57000.00}. On XX/XX/XXXX, I submitted a dispute to XXXX, Transunion, and XXXX to reach out to XXXX and investigate the issue. On XX/XX/XXXX, XXXX concluded that XXXX reported the loan amount to be accurate. And on XX/XX/XXXX, Transunion concluded that XXXX. The dispute for XXXX is pending. The incorrect balance is still on my credit reports for Transunion and XXXX, and the issue has not been rectified.
Consumer complaint received 2021-01-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION (AZ)

I accepted a job posting that was sent to my school email. The employer sent me two checks via email one in the amount of {$1400.00} and another in the amount of {$1200.00}. I deposited the checks and they cleared in my bank account. The employer had me buy {$400.00} worth of XXXX XXXX cards and send them to him. Once I was getting sketched out, I told him that I was quitting but could send him back the money that he had sent me since it was still clear and available in my account. I XXXX paid him {$1500.00} in three separate transactions of {$500.00} each and then XXXX paid him a payment of {$500.00} all on XX/XX/2021. Today, XX/XX/2021, the checks that he had me deposit before that had cleared in my account were showing up as void so now I am losing {$2000.00} of my own money.
Consumer complaint received 2021-01-22
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. (GA)

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2022-09-30
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-01-22
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. (GA)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I am very serious about filing a lawsuit if this is not removed ASAP!
Consumer complaint received 2021-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CT)

I refinanced with NewRez/Shellpoint Mortgage and told them up front that I did not want my homeowners insurance premiums escrowed. They told me this would not be a problem. When my first payment came due, I saw that homeowners insurance was still being escrowed. I called to have this corrected. They told me it would be fixed. It wasn't. I called back ... waited over an hour on hold. Was told it would get fixed. It didn't. This happened 4 more times. Then they told me I needed to submit proof of payment of my homeowners insurance. I submitted proof that the policy was paid for the next 11 1/2 months. They never got back to me. I called again to find out what was going on. They said they rejected the request. They never notified me that the request was rejected. I call to find out what's going on and then they say that they can't remove the escrow and will not remove it. So, after about 5 hours of my time and effort, they can't even correct the mistake that they made on the front end of my refinance.
Consumer complaint received 2021-01-22
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: EQUIFAX, INC. (CA)

On XX/XX/XXXX, I submitted a request to Equifax to remove a 10 yr + old mortgage account. In lieu of removing it off the report, they updated the reported date. Some creditors look at this latest reported date instead of the date of discharged. It shouldn't happen, but it does. This lead to a denial in credit due to this account still showing on my report. I called in XX/XX/XXXX and spoke to several representatives at Equifax. They said they understood my issue and agreed that this should be removed. The agent submitted the dispute on my behalf, but a few weeks later, the same conclusion. They updated the reported dated and failed to remove the 10 yr+ mortgage off my report. I called on XX/XX/XXXX, feeling I am now being given the runaround. The agent failed to transfer me to a manager at my request and stated the only thing she could do was re-submit the dispute. This old account is effecting my ability to obtain credit and should be removed off of my report due to simply the age. I feel Equifax is giving me the runaround and should be held liable for their poor service. My last course of action if the CFPB fails to act is to proceed with legal action.
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (FL)

I requested a balance transfer from my Discover card to one of my XXXX XXXX  cards of {$2400.00}. On XX/XX/2022, XXXX XXXX paid Discover for the balance transfer. Discover claims they can not find the funds. I have provided documentation from XXXX XXXX. Discover has yet to remove the balance transfer from my account and it has been XXXX months. I filed a separate complaint regarding another balance transfer of {$1300.00} done on the same day.
Consumer complaint received 2021-01-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (VA)

I've been with Wells Fargo for 9 years or so, but I'm going to another bank. It's a culmination of constant problems from losing money ( my funds disappearing basically ). For example, I had a balance of about {$50.00} ] yesterday. today its {$180.00} The transfer I made was the only transaction, it's not correct. 
I know wells Fargo owes me alot that's disappeared over time, I need assistance with what to do next.
Consumer complaint received 2021-07-07
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SinglePoint GI (KY)

On Wednesday XX/XX/2021, I received a call from General Revenue Corporation. They asked me to verify personal information without giving me any information, to which I declined due to the increased phishing and scam attempts due to COVID. Without verification they could not speak to me. That was the end of that conversation. A couple of hours later, I received a call from a previous boss that general revenue corporation had contacted him attempting to get information about me. The representative went as far as insinuating he is my husband and proceeded to tell him that if he could confirm that she would discuss the matter with him. This made him extremely uncomfortable. Not only that, they contacted his mother. I understand harassing me, but my bosss mother? They left a voicemail for her leaving a reference number for her to call. I called them and asked them to cease all contact, because what they were doing was not legal. The representative denied the allegations and did not care that I asked them to the discontinue their attempts to contact third parties. I told the representative at general revenue Corp that I would be taking care of the matter ( they insisted I consolidate my student loans, which I have completed ). However, even after speaking to them they proceeded to call others, this time my brother and mother, and also called my workplace. I have been beyond patient with them, but general revenue Corp has crossed so many lines. Please help
Consumer complaint received 2021-01-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (MA)

Hi Capio Partners / XXXX  of XXXX ; I just got out of strange phone calls with representatives of Capio Partners ( # XXXX ) and XXXX  of XXXX XXXX XXXX ) and Im shocked, surprised, and honestly stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Plus, isn't this HIPPA violations for sharing my personal medical information with so many different third-party company? WHy? Plus why is there late payments shown on the payment history for a collection account? Isn't a collection account by default late and past due? 

Don't waste my time by partially responding to this demand. I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.