davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MD)

Hi, I'm trying to report a fraud/scam of XXXX XXXX employee in XXXX. I applied to renew my passport this week, and received an email from the XXXX XXXX telling me to contact a phone number in order to complete my application. I called the phone number given to me, and I was told to send them my old passport photo to the XXXX XXXX 's XXXX ( which I later confirmed it's legit ) and I also have to pay {$190.00} as a fee to renew my passport. 

They asked me to pay this amount through Zelle. I asked them if there is a link that I can pay online and they said no. They gave me their Zelle phone number + ( XXXX ) XXXX ( XXXX XXXX ) to send the payment to. I confirmed with them that I sent it, and they said my application is complete. 

I later found out after talking to my friends and did some research that the fee to renew XXXX XXXX passport should only be {$110.00}. They warned me ( even though late ) that this type of corruption is very common in XXXX, and that if I don't pay them the " extra '' they would delay my renewal process or make it hard for me to renew. I tried to call the XXXX number again but they didn't pick up. 

Basically, they made me pay {$190.00}, {$80.00} more than what I needed to pay to their personal Zelle account, so they can use that to pay for my application and pocket the difference. I doubt I'm the only one that fell for this trick. I contacted XXXX, my bank, that I sent money from, but I'm not sure if they could do anything about it. Since the number I called ( XXXX ) was indeed the XXXX XXXX 's phone number, I hope they recorded my calls to show that the employee here overcharged me for my application and they definitely did the same to many other applicants. 

I respectfully request you investigate in this matter and eliminate this corruption practice. 

Best.
Consumer complaint received 2022-08-01
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. (FL)

I sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 
Also, I have attached the letter I sent out via XXXX and here are the Tracking # s : XXXX XXXX XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Listed Accounts Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

This is a violation of the FCRA Section 623. Each Bureau is reporting different date opened, and high credit, and date last active, and date of last payment this is a violation. This account has many errors/inaccuracies does not meet FCRA. Each bureau is reporting different date last active terms and a collection account should not report a late payment this is a violation of FCRA
Consumer complaint received 2022-04-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (PA)

Cardinal financial through its agent XXXX XXXX bullied and intimidated my husband and I and tried to convince us to sign documents that were different from the disclosures we were given. When we did not sign the incorrect documents, cardinal unnnecessarily delayed our loan and XXXX XXXX called me and yelled at me telling me he did not appreciate me telling him it was illegal to send me documents for closing that were different from the disclosures I signed just the night before. XXXX XXXX was a rude and belligerent bully. I am XXXX and my husband required XXXX care for XXXX. And cardinal tried tricking us into signing the wrong documents. XXXX XXXX told me to sign the incorrect forms and I have XXXX days to cancel the loan if cardinal does not fix the loan documents. When I refused, XXXX XXXX got angry. 

The original loan closing was on XXXX XX/XX/2022. I approved the disclosures the night before. When the notary arrived at XXXX on the XXXX, the documents she had were different than the ones I signed. I called XXXX XXXX and he said just sign the documents because I have XXXX days to revoke the loan. I refused to sign incorrect documents. XXXX XXXX called me the next night very angry that I told him its against the law to change the disclosures and that there are laws to protect the elderly and XXXX from what XXXX XXXX tried to do to my husband and I. 

Despite XXXX XXXX claiming that the corrections to the closing documents were a quick and easy fix, it took Cardinal Financial until XXXX XXXX to complete my closing papers a second time. This time, cardinal scheduled the close, but the title company claimed they could not get the documents ready in time and they tried to reschedule the closing until later in the day. Because my husband is XXXX, the changing schedules put a lot of strain on him. 

The night before the second closing, XXXX XXXX asked me to go into the online account and approve the disclosures. There were XXXX sets of disclosures. XXXX of the disclosures were incorrect. I was confused so I emailed XXXX XXXX telling him the disclosures were still wrong. XXXX XXXX berated me for not being able to find the disclosures with the correct numbers. He asked me to sign all three sets of disclosures and I refused to sign the incorrect disclosures. He got angry and flippant with me. 

This was a horrible experience and I repeatedly felt bullied by XXXX XXXX to sign incorrect documents. We all make mistakes, but expecting elderly people to sign incorrect documents because loan processors make mistakes seems grossly unfair and I can not believe cardinal finanacial and XXXX XXXX are allowed to act this way.
Consumer complaint received 2022-04-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 4. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, We are experiencing a huge issue with credit report for Transunion. Credit ran on XX/XX/XXXX ; Transunion states suppressed ; lending company and myself have called multiples from XX/XX/XXXX to now daily and have had issues getting a hold of an actual person, them giving us incorrect information, constantly hanging up before finishing the call, once given correct information can not confirm if information has been received due to issues listed. I am currently in escrow as of XX/XX/XXXX and am at risk of losing his deposit of {$3500.00} if we do not get this issue resolved within the next few weeks ; I will be out of escrow on XX/XX/XXXX and will lose deposit due to this issue. 

My lending company had to call the credit company they use to pull to be able to get accurate information such as mailing address and what to send to company. Also Transunion could not explain to me why credit report for that company states " suppressed '' they did not help or get me answer for that at all. It was my lending company that told me my client was " frozen '' and gave me information and what was needed to be sent via mail. Transunion had been telling me i can send it via fax and then never provided fax number only to find out that they do not do fax they only receive documents via mail. 

I have never locked/ froze my credit so do not understand why Transunion would do that. 

Please advise as this issue is extremely urgent and costly. 


Thank you,
Consumer complaint received 2022-04-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-04-06
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. (MS)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-04-23
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. (IL)

This is re-aging which is illegal.I disputed these account XX/XX/XXXX and on XX/XX/XXXX and multiple dates in XX/XX/XXXX because they updated the information which is still incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. MN XXXX ( XXXX ) XXXX DATE OPENED XXXX XXXX. XXXX DATE REOPENED XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. MI XXXX ( XXXX ) XXXX DATE OPENED XXXX XXXX. XXXX DATE REOPENED XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX DATE OPENED XX/XX/XXXX DATE REOPENED XXXX XXXX. XXXX
Consumer complaint received 2022-09-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jon Barry and Associates, Inc. (NC)

I am being contacted by a debt collector attempting to collect a paid debt. They have sent me a statement with no proof to support their claim. They are stating I owe a paid debt. I dispute the validity of their erroneous claim and demand they validate it and cease all communications and efforts to collect this debt.
Consumer complaint received 2022-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX my chase card account # XXXX was breeched through Amazon, who contacted Chase and my card was replaced twice with # XXXX then # XXXX due to a additional Back Door hack again from Amazon both Chase and Amazon had credited me for {$1600.00} and Amazon replied that the fraud was caught and it wouldn't be posted to my account either as a charge or cancelation then on XX/XX/XXXX the charge was added back to my Chase Credit Card account and when I questioned your recovery team they replied that amazon said that there had been a delivery to my address for the purchase of this laptop Amazon denies this and my account records was sent to the chase recovery Team in the XXXX who was very disrespectful to me as I tried to address my account problem, and feel that now on XX/XX/XXXX with a reoccurrence of unusual activity again through Amazon in which I had legitimate proof that someone had a Backdoor through Amazon and accessed my Chase Credit information in which Chase & Amazon try to hide. Which is why I filed a second complaint with the XXXX XXXX XXXX, now I'm being blocked from accessing my account or making payments in which I feel that I'm being singled out and harassed because of my filing this second legitimate XXXX Complaint this past month of XX/XX/XXXX. Someone from Chase did Call me a week or two after I filed my first OCC complaint and asked if I was the Person who had the chase Account and filed the OCC Federal Complaint and when I replied yes immediately hung up and ended the conversation, and up to today I'm still being blocked by Chase online card services, who is keeping me from accessing or paying my account, I asked your agency to help chase have locked my account again after it was open for 3 weeks now I believe I understand what is happening here chase is trying to force an auto payment from my Bank and I don't want this done they are not sending me any paper bills
Consumer complaint received 2022-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX I sent a letter to TransUnion, XXXX and XXXX regarding inaccurate and unknown things on my credit report. 
To this day 90 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 30 days gives a reason to immediately remove those items from my credit report. It has been over 90 days so it 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 XXXX XXXX and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-01
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. (MO)

In accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights. 

Account Name : XXXX  Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-01
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. (MO)

In accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights. 

Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (GA)

I've been aggressively contacted by XXXX XXXXXXXX insisting that I make payments to them for my Student Loans. I have advised that my loans were all Federal. 
They explained that they are requesting payments for my XXXX XXXX and that the original Servicer was my school, XXXX University. I never applied for direct loans with XXXX. XXXX 's XXXX XXXX team advised that I only had XXXX XXXX as my loan servicer. 
Most recently, I received an alarming letter stating that XXXX has " Accelerated '' my account and that the full {$17000.00} is due. It also notes that they are planning to send my account to collections to garnish my wages. 
I have already applied for the Borrowers Defense case against them, I would assume they should be able to collect anything while pending investigation and with the current Act in place. My case number from the Borrowers Defense case is XXXX
Consumer complaint received 2022-08-01
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. (CA)

This is my third and FINAL written request for you to comply with the law regarding the following derogatory account data which is clearly unverifiable. I have every intention of pursuing litigation in accordance with the FCRA to enforce my consumer rights and to seek full relief, recovering all monetary damages that may be available to me under Sections 616 and 617 for your continued willful, negligent noncompliance and blatant disregard for the law, regarding the following account data ( including, but not limited to, payment history and payment statuses ) :
Consumer complaint received 2022-08-01
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Santander Consumer USA Holdings Inc. (AL)

I received a call on XX/XX/XXXX at XXXX XXXX from a private number stating that he was a representative from XXXX XXXX XXXX XXXX XXXX He said he tried to deliver a summons to me last Friday to appear in court but was unsuccessful. He then said, " unfortunately the document is sealed, but you can call the lawyer in charge of this matter. '' He proceeded to give me the number to a law office which is XXXX. He also gave me a case reference XXXX. I asked was there anyway I can get a copy of the documents and he said to just call the number. 

When I called the number I was asked for the case reference number and put on hold and transferred several times. I was then put on the phone with a woman who never identified herself or the law office she was representing. She said this is concerning a car loan that was never paid with Santander Consumer USA. She said that the summons was for me to appear in court because I was being sued for a wage garnishment. She said the debt was over {$11000.00}. She said they tried to contact me in XXXX. The car loan I had with Santander is from XXXX, over 15 years ago. I gave her my address and told her to send me the information in the mail. When I contacted Santander they said the debt was around {$6000.00} and too old for them to pursue. 

After I got off the phone with them I called Santander USA and inquired about this and they had no knowledge. They said they have not tried to contact me since XXXX and the debt was sold from Santander and should no longer be on my credit report because it has been over 15 years. 

I want to report this because the lady was very abusive and argumentative. Also when calling the phone number the law office does not identify itself by name so I'm sure this is a scam. I just want to report it so other consumers can beware.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NJ)

I received a fraud alert from a monitoring service and was told to contact all three credit reporting companies and put in a fraud alert and freeze. When trying to contact experian, their website states that my attempts to create an account had to be verified. Neither the email or cell verification process worked and the website told me to call a phone number at experien that led to a phone tree with no options for my problem and that refused to process any other issues. I have been unable to create the experian account I need for the fraud alert and freeze and none of the experian communications options lead to any option for helping with this. So I can not create the freeze or alert.
Consumer complaint received 2022-08-01
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: EQUIFAX, INC. (FL)

XXXX, 2022 paid last payment to XXXX XXXX. I RECIEVED EMAIL CONFIRMING PAYOFF. I DISPUTED WITH BUREAUS IN XXXX... XXXXTHEY GOT REPLY ON XX/XX/XXXX A MONTH LATER STATING THE DEBT WAS STILL VALID. WHEN I CALLED XXXX  REPS VERIFIED MY PAYOFF. HOW OR WHAT KIND OF PROOF COULD XXXX  SUPPLY INXXXX ON AN ACCOUNT PAID OFF IN XXXX A FULL MONTH BEFORE. CREDIT BUREAU WILL NOT VALIDATE OR INVESTIGATE MY DISPUTE AND TELL ME THAT THEY CANT REMOVE INCORRECT DATA. XXXX HAS TO. THEY DID NO INVESTIGATION OF THEIR OWN. AND RECIEVED NO VALIDATING INFO IN XXXX. THEY JUST TOOK XXXX WORD AND XXXX TOLD ME THEY DIDNT HAVE ENOUGH INFO FROM CREDITOR TO VALIDATE MY DISPUTE. THEY CLOSED DISPUTE... WITH NO VALIDATION OF DEBT AND LEFT ITEM PAID AND CLOYED IN XXXX STILL ON MY CREDIT REPORT AND SAID XX/XX/XXXX XXXX CONFIRMED DEBT... BUT XXXX NOTHING TO VALIDATE DEBT NOR POST XX/XX/XXXX FINAL PAYMENT. CALLED THEM..THEY HAVE NO IDEA WHERE TO TRF ME TOO OR HOW THIS WORKS ... .JUST THAT I HAVE XXXX SAY AND THE COMPANY THAT PAYS THEM HAS ALL THE RIGHTS AND POWER TO REMOVE FALSE DATA ... .THEY CANT DO ANYTHING... .WHEN READ WHt the law says " i dont know... we cant help you... call XXXX ... they put it on ... only they can remove '' im quoting exactly what im told constantl,... so this is a company wide... beaureau wide policy so they can keep charging for reporting even if shown report is wrong. 30 day removal doesnt apply to creditors but let me be 31 days lTe n its on my file... ..NO ONE MONITORS BUREAUS. THEY GET AWAY WITH VIOLATING THE FAIR CREDIT REPORTING ACT HOURLY ... EVERY SECOND... ..CLss action lawsuit is whats needed