davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX filed income tax lien in the XXXX XXXX Court. I have lived in State of XXXX since XXXX, and this liens were filed in XXXX for income taxes owed for a XXXX taxpayer with similar name. If I am not living there in that period how can I owe income taxes in State where I am not living or working or having any investments. Finally, my social security if different from that taxpayer. 


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Consumer complaint received 2017-12-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

On XX/XX/2017 I was the victim of an online XXXX scam. I purchased 2 tickets for {$350.00} to a XXXX concert in XXXX XXXX. I emailed " XXXX XXXX '' back and forth with over 40 emails in the tread. I was scammed using the application XXXX. I have been with my Capital one back over 14 years and noticed the send money option on my online banking application. I had no idea that it was a third party application. I sent her the money at about XXXX XXXX Friday and she sent me some obviously fake tickets. By the time I called the bank it was too late as the money had cleared the bank. My request was quickly denied by Capital One. I called XXXX immediately and they pretty much laughed at me. I told them I wanted to speak to a supervisor but every time I called he was conveniently on the other line with another customer. I also filed a police report with XXXX, a complaint with the FTC, and next will be contacting the BBB. I believe XXXX is very misleading and there should be some type of protection plan. Never use XXXX to send money unless it 's with someone you know. I 'm also very upset that I told them the account was being used in a scam and they did n't seem to care. I sent the money to XXXXXXXXXXXX and corresponded with XXXXXXXXXXXX. 
Looking back there were several red flags during this transaction. But I have a XXXX and a XXXX I was juggling while I was completing this transaction. I want others to be careful and take the proper precautions when buying things online and to NEVER EVER use XXXX. And know that it IS NOT backed by your bank. XXXX would not tell me anything about his account other than it was active. I eventually found him on instagram and sent him a series of emails but no response. I also flagged all of his posts on craigslist as I found he had several listings in several cities.
Consumer complaint received 2016-10-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Early this year, I had inquiries deleted from from TransUnion credit report and recently noticed that they were added back to my credit report without any notice provided from TransUnion. This has been detrimental to my credit score. Also, I disputed several accounts that I asked to be verified that I have no knowledge of without success ( XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX ). I also have XXXX accounts that were paid from XXXX that are still listed negatively on my credit report. Lastly, I have numerous accounts reporting from the department of education that were consolidated several years ago and appear on my credit report twice ( both as consolidated loans and stand alone loans ). This is having a major inpact of my credit and my ability to finance a home for me and my children.
Consumer complaint received 2017-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Express Recovery Services, Inc. (WY)

In XXXX XXXX, my wife and I discovered that Express Recovery Services , Inc. in XXXX XXXX XXXX, UT was reporting negative credit information to our credit files with the XXXX XXXX credit bureaus. 

We sent a letter of dispute in XXXX XXXX and asked Express Recovery to validate the alleged debts. We received letters for Express Recovery date XXXX/XXXX/XXXX and XXXX/XXXX/XXXX that stated " Based upon the review of your dispute it has been determined that you dispute is frivolous or irrelevant based on the information listed below. 

NOT ENOUGH INFORMATION NO ACCOUNT NUMBER. '' We find it difficult to believe their response given that Express Recovery, has our social security numbers, our names and mailing address but do not have enough information to honor our request for debt validation?! 

A certified dispute and validation letter with returned receipt requested was sent by us to Express Recovery XXXX/XXXX/XXXX. 

We have not received the required 30 notice to dispute letter Express Recovery is required by the FDCPA to provide, we have had our request to validate the debt ignored and negative credit information continues to be reported to our credit files.
Consumer complaint received 2017-05-01
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Continental Services Group, Inc. d/b/a ConServe (CA)

The company failed to notify me of their intent to garnish before garnishing my paycheck. When I notified them of this, they agreed that they had sent the notice to an incomplete address ( they did not include the apartment number ). They agreed that they would suspend garnishment and we would pursue a rehabilitation of the debt. They, in fact, garnished my wages at the end of  XXXX .
Consumer complaint received 2017-12-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK (UT)

XXXX2017 phoned Discover to make an additional payment of XXXX to my account. I was transferred 3 different times finally an account specialist, XXXX XXXX in AZ said to me, now that you have made this payment, you will have to be switched from an auto pay enrollment with a fixed amount to a minimum auto pay. She did say my payment would not be drafted until XXXX, I told her no I am trying to pay off my debt, not extend it. She then said my account had 20 months to pay but since I paid the XXXX it would now go to 8 months. I asked her what would have happened if I did n't call in, she replied we sent out letters stating that we had a glitch in the Discover system and some auto drafts were wrong and then it showed up on the customers credit as a " no pay '' I said I did n't get any letters. when she looked, she commented well, I do n't see that they sent you an email or a letter. Basically I had to switch to the new minimum payment I DO N'T KNOW WHAT THAT MEANS. She said my XXXX payment was still in effect.
Consumer complaint received 2017-12-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Scott’s Jewelry & Pawn Inc. (AL)

I took a payday loan with XXXX XXXX and due to my health crisis I was put in a position where I could not pay it back. I have chronic XXXX, XXXX XXXX XXXX now and XXXX problems. I sent them a letter about my conditions and about me being judgment proof because I am on XXXX as my sole income. Theye got that letter sent to them certified on XXXX XXXX, XXXX and they debit my account of XXXX on XXXX XXXX, XXXX. Thing is the ACH debit was for Scotts XXXX XXXX XXXX a different amount from what I owed. So the charge would go through because I stopped payment on the check. The owner is desperate because he is going to jail for a theft ring with his stores and getting money by fraud is not going to matter.
Consumer complaint received 2017-12-29
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: DISCOVER BANK (FL)

Discover Student Loan ( s ) has incorrectly reported my account twice on my credit reports. The information reported is identical. This is direct violation of the Fair Credit Reporting Act. The amount that was charged off was {$7700.00}. Again, this debt has been reported twice, from the same creditor ( most recently as of XXXX XXXX ).
Consumer complaint received 2024-10-18
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: PNC Bank N.A. (MI)

XX/XX/XXXX I sent 2 XXXX transactions from my checking account with PNC BANK to XXXX XXXX. XX/XX/XXXX I sent 2 XXXX transactions from the same account to XXXX XXXX. These were for first months rent, deposit and fees for an apartment rental advertising on XXXX XXXX. On date agreed to sign rental agreement and pick up keys, I discovered property manager and owner stated was fraud and I had been scammed. 
I am low income, social security based, XXXX woman with a service animal. This has been a XXXX dollar scam of which I was assured by the bank initially would be reimbursed. I filed a police report. I have been denied reimbursement from the financial institution twice and been targeted by more charges against my checking account.
Consumer complaint received 2017-12-29
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: CULLEN/FROST BANKERS, INC. (TX)

On XXXX/XXXX/17 I went to a frost ATM and tried to withdraw USD XXXX using a XXXX XXXX XXXX card. The ATM cancelled my transaction but I was debited the USD XXXX plus commission. I was never given the money and my XXXX bank started the investigation on that day. I was denied said investigation and my XXXX bank states that in fact I received the money which is not true. 
I have requested several times from Frost Bank to provide me with a copy of the recorded cancelled transaction made on that day from that ATM to which I have been told that there is nothing they can do and no copies can be given to me. 
I need Frost bank to provide me with a copy of said transaction so I can prove to my XXXX bank that in fact I did not withdraw said amount of money.
Consumer complaint received 2017-12-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: MARINER FINANCE, LLC (PA)

I was speaking with someone from Mariner Finance on XX/XX/XXXX, who stated that I need to make a payment on XX/XX/XXXX. I informed them that I would call in on XX/XX/XXXX to make that payment. On XX/XX/XXXX before I could even call, the Branch Manager XXXX, called and left a message. I was unable, to answer because I was at work. She called a few more times. Then she sent me a text that said XXXX this is XXXX the branch manager over at Mariner finance. You need to call me back today. I need a payment today or I will proceed with legal action and we will bank levy your account. You refinanced the account and have yet to pay us back. I got the text from her personal number and immediately called her because I know I had just told them the day prior that I would pay that day XX/XX/XXXX. When I got on the phone with XXXX, she was very rude screaming telling me she doesnt care that Im being nice. That I dont pay her at that very moment she will call her lawyer on me. Hanging up on me. Then calling back yelling and screaming again and hanging up. I was then called by another manager who offered to take my payment. He was pleasant but I could barely even talk because I was crying so much because what she had done to me. I was being recorded while he took the payment so he has that recording of me crying nonstop. She really made me feel like less of a person. She didnt care about what I was going through in my life and that showed in her actions. I was unable to work to my full capacity because she had made me feel so low of a person. She created an XXXX XXXX for me which caused XXXX, fear ... can not concentrate.
Consumer complaint received 2017-12-29
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Address ID XXXX Account number listed XXXX .... is listing account as XXXX $ as of XXXX/XXXX/XXXX date open XXXX Is falsely reporting to my credit as account closed/written off as of XXXX. 
I have sent certified mail to verify this account and was returned on XXXX and again XXXX/XXXX/XXXX which was recieved but no response to verify the account was legitamate and in fact my account. 

XXXX XXXX XXXX. Box XXXX XXXX, sc XXXX Address Id XXXX account number listed is XXXX Balance XXXX as of XXXX/XXXX/XXXX Listed as a Debt Buyer This is a debt buyer purchasing a debt that originated as a XXXX debt. date opened XXXX This has been reported as fraudulent activity multiple times to XXXX and instead of sending me proof of the debt they sold it and stated no longer liable. 
Was reported to for both the Debt buyer and original creditor as well as all 3 credit reporting agencies to be Validated and again no responce. I will also report to FTC and BBB As this report is to be removed from all three agencies immediately and in a timely matter. 

XXXX XXXX AAddress ID XXXX account XXXX debt amount XXXX as of XXXX/XXXX/XXXX this debt please remove as the above accounts tried to verify legitamacy with cretified mail and requests to credit agencies and no responces. This account is also going to be reported to FTC and BBB for both agency and credit bureaus for non compliance. 

MY REQUEST ARE FOR THESE ACCOUNTS TO BE REMOVED IMMEDIATELY AND IN A TIMELY MANNER i have numerously requested the credit bureaus to do the same and the disputes come back as complete but no proof is still given. I have opened a case with the BBB and the FTC over the accounts and the Practices of the credit Companys reporting. I want the account in question removed from all three credit reporting agenies immediately.
Consumer complaint received 2017-12-29
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Address ID XXXX Account number listed XXXX .... is listing account as XXXX $ as of XXXX/XXXX/XXXX date open XXXX Is falsely reporting to my credit as account closed/written off as of XXXX. 
I have sent certified mail to verify this account and was returned on XXXX and again XXXX/XXXX/XXXX which was recieved but no response to verify the account was legitamate and in fact my account. 

XXXX XXXX XXXX. Box XXXX XXXX, sc XXXX Address Id XXXX account number listed is XXXX Balance XXXX as of XXXX/XXXX/XXXX Listed as a Debt Buyer This is a debt buyer purchasing a debt that originated as a XXXX debt. date opened XXXX This has been reported as fraudulent activity multiple times to XXXX and instead of sending me proof of the debt they sold it and stated no longer liable. 
Was reported to for both the Debt buyer and original creditor as well as all 3 credit reporting agencies to be Validated and again no responce. I will also report to FTC and BBB As this report is to be removed from all three agencies immediately and in a timely matter. 

XXXX XXXX AAddress ID XXXX account XXXX debt amount 574 as of XXXX/XXXX/XXXX this debt please remove as the above accounts tried to verify legitamacy with cretified mail and requests to credit agencies and no responces. This account is also going to be reported to FTC and BBB for both agency and credit bureaus for non compliance. 

MY REQUEST ARE FOR THESE ACCOUNTS TO BE REMOVED IMMEDIATELY AND IN A TIMELY MANNER i have numerously requested the credit bureaus to do the same and the disputes come back as complete but no proof is still given. I have opened a case with the BBB and the FTC over the accounts and the Practices of the credit Companys reporting. I want the account in question removed from all three credit reporting agenies immediately.
Consumer complaint received 2017-01-19
Product: Payday loan — 
Issue: Can't contact lender — 
Company: National Credit Adjusters, LLC (VA)

I know I owe the account for XXXX XXXX which is a payday loan, it is now in collections which National Credit Adjusters are calling me, they are being rude, not allowing me to answer the questions that they are asking and they are talking over me, I do not want to send them anything if I am feeling intimidated, manipulated, every time I ask to speak with an individual I spoke with person they indicate he is not available.
Consumer complaint received 2024-08-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: MONEY SOURCE, INC., THE (IA)

I have had nothing but bad information or refusal to get information and have been lied to multiple times and was reported to the credit bureau for non payment inaccurately by this lender. Formally the money source now serv bank. I had lost my job due to covid and requested assistance and was sent thru the process of applying XXXX times by them. Each time they would deny it saying I didnt turn a certain piece of information etc etc. I started asking for supervisors to verify over the phone that they had received everything needed to which they would confirm and then later deny my request stating they hadnt received something. I was forced to record all conversations with them both voice and on paper with full names and dates and information related to call. They told me I was in foreclosure at one point and I was not. They have also been rude, harassed myself over the phone and refusal to give out information on my loan with them. I have XXXX years worth of documentation and this is just some of the examples of the lack of professional service as well as potentially illegal activity they have taken part in. It has caused a severe disruption and stress in my life to the point of causing XXXX XXXX  and worry for my family. They have tried and successfully worked towards foreclosure even when the VA had mandated no actions could be taken until a certain date due to XXXX. I have and still am currently being charged for numerous fees for their attorney and inspections towards foreclosure even tho I was forced to file bankruptcy to try to preserve my home. I once had an XXXX credit score until they inaccurately reported me as non payment for 13 months which severely hurt my credit score and effected my ability to do many things. I can not apply for a new lender because of this. I belive their actions are both intentional and illegal or unprofessional to say the least. I can provide all documentation of examples I have recorded.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (WI)

XXXX exsperian XXXX refused to make nessary changes.on deadline date.. To make change on credit scores. My scores I have noticed been same areas for quit some time. Then when l questioned scores notice XXXX increased it only XXXX POINT showin on credit scores Experian. XXXX hasn't made changes. Over month? Credit scores change every 2 months XXXX XXXX. XXXX Noticed my credit sckres been same range for quit sometime.? Whom decided also to contact government on my behalf to XXXX things been handle. These companies have received my complaints still no changes. The Government needs to find another way to handle credit scores. XXXX. XXXX. XXXX
Consumer complaint received 2016-12-31
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ORG GC GP BUYER, LLC (VA)

Re : GC Services Limited Partnership ( XXXX, XXXX ) I received a letter about assistance with debt repayment and called to inquire. I was traded from one person to another taking a significant amount of time so I ultimately ended the call. I personally had no additional interaction with GC Services after the above call. 

XX/XX/XXXX my Uncle who lives in XXXX called me saying that he had received multiple voice messages from GC Services ( XXXX XXXX? ) leaving his phone number and saying that he needed to get in touch with me. 

Upon calling GC Services, I learned that it is a debt collector calling about a credit card outstanding balance. When I questioned their tactic of contacting and leaving messages with my uncle for me to call them I was met with indifference and basically contempt for the fact that I would even question their methods. 

Thereafter, I was pressed by the GC Services representative to get into a settlement or be left paying the entire balance. 

My concerns : ( 1 ) The sneaky and questionable tactics they used to reach me ( leaving messages with my uncle w/o disclosing why they wanted me to call them ). 
( 2 ) My uncle is no where included as a co-guarantor or contact on the card, so obliviously GC Service searched for any random family member sharing the same last name as a method for getting me to call them. 
( 3 ) Leaving messages on my Uncle 's voice machines saying for me to call them. 
( 4 ) How many other family members did they randomly call? 
( 5 ) I have to assume that it would be obvious to my Uncle ( or any person to get such a message ) why someone like GC Services would be calling and leaving messages like this. By extension, in trying to get me to call them, they were in effect violating my own personal privacy. 
( 6 ) The indifference shown by the representative when I raised the issue of the tactics used to get me to call them. 
( 7 ) The pressure excerpted on the call to get me to agree to a settlement or else face paying the total amount. 

This is the first time that I have had to deal with debt collectors and it is due to the loss of a family member and being out of work. 

What I experienced with GC Services was exactly what I think of when I image the stereotype of a " Debt Collector. '' Questionable border-line unethical tactics and pressure to conduct their business. 

Thank you for reviewing my compliant. GC Services should be monitored moving forward for the manner in which they conduct their business.
Consumer complaint received 2017-02-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Debt Mediation, Inc. (NC)

The collection agency is listed as " XXXX '' on my XXXX credit report. I have no idea what agency this is or what the debt is in regards to. I have disputed this collection with the credit bureau, but to no avail. How can I research this if I do n't even know the name of the creditor? Mysteriously, this debt showed up as I was applying for mortgage loans. I have done my due diligence in trying to get this resolved with XXXX, but they are perplexed as to who this agency is also. It is not fair that a " ghost '' collection agency can add derogatory items to my report without a proper name or a way for me to contact them.