davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I just discovered the following charges on my credit card from TransUnion : XX/XX/XXXX : {$1.00} ; XX/XX/XXXX : {$19.00} and then recurring charges of {$19.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for a total of {$80.00} ( as far as I can determine -- I'll need to pore over statements for the entire year to be absolutely certain ). I recall giving my credit card number to TransUnion as part of a " free '' credit check ; I believed it was part of the process used to identify me and had no idea that I was being enrolled in any kind of service that would require a monthly payment ; I have no need for that. What makes me furious ( I'll probably blow up if I call them ) is that : 1. ) They take advantage of people when they are most vulnerable ( I wanted to check my credit score because I was filling out rental applications, needing a place to live quickly, after a cross-country move to be near my aging father ) and 2. ) TransUnion was already called out on this one year ago ( https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-transunion-and-XXXX-pay-deceiving-consumers-marketing-credit-scores-and-credit-products/ ) ; apparently nothing has changed. Embarrassingly enough, this ( from the article link above ) is what I assume happened to me : " Deceiving consumers into enrolling in subscription programs : In their advertising, TransUnion and XXXX falsely claimed that their credit scores and credit-related products were free or, in the case of TransUnion, cost only {$1.00}. In reality, consumers who signed up received a free trial of seven or 30 days, after which they were automatically enrolled in a subscription program. Unless they cancelled during the trial period, consumers were charged a recurring fee usually {$16.00} or more per month. This billing structure, known as a negative option, was not clearly and conspicuously disclosed to consumers. '' Thank you in advance for looking into this matter. I really appreciate your time and the service you provide.
Consumer complaint received 2018-02-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (TX)

They refuse, on a recorded line, to speak with me in regards to my account. The manager XXXX hung up on me several times. They do not state the mini miranda, unless you become a problem. They disclosed 3 rd party information, did not mirandize, and refuse to answer my questions in regards to this delinquent debt. The account was placed on the credit as opened on XX/XX/XXXX when in actuality it's from XXXX. Direct FDCPA violations. The supervisor hung up on me over 5 times and blamed it on her " headset being dead. '' Very rude, unprofessional. Already sent certified mail requesting proof, never got it. I plan to file suit if this case is not dropped. This company is operating outside the lines of the FDCPA laws.
Consumer complaint received 2018-01-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FMA Alliance, Ltd. (CA)

In XX/XX/XXXX I received a notice from XXXX XXXX that I owed money on an account that I did not recognize. I called the number provided ( XXXX ), and they were unable or unwilling to tell me who they worked for, but kept asking for my SSN to verify the alleged account. 

I then received another notice dated XX/XX/XXXX from XXXX XXXX alleging an increased amount due for the same alleged account. On XX/XX/XXXX, I took both of these requests to a local branch of XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ) and met in person with XXXX XXXX. He went on his various systems and verified that based on my photo ID and SSN I have no account with XXXX XXXX, past due or otherwise. He then connected me on his internal phone with the XXXX XXXX Collections team, and they verified that the alleged account was not associated with me or my wife. 

I have now received a notice dated XX/XX/XXXX, from FMA Alliance , Ltd. alleging a further increased amount due on the same account that XXXX XXXX has already verified is not mine or my wife 's.
Consumer complaint received 2018-02-01
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: Convergent Resources, Inc. (MO)

In XX/XX/XXXX I cancelled XXXX XXXX. All equipment was returned and the bill was paid in full. They then said I owed them for an " early termination fee '' They refused to produce either my signature or my verbal agreement to this contract which they say I agreed to ( which I dispute ) that justified this early termination fee. I have always and still do dispute that I entered into such an agreement. Even though they refused to produce these items they sold this " account '' to XXXX XXXX   XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX In XX/XX/XXXX XXXX XXXX put this nonsense on my credit report, but did not bother to assign it an account number. I can't dispute this without an account number and the length of time it takes for something to fall off of a persons credit report started all over at that time. From what I can tell they can just keep selling this and the new company can just refrain from assigning an account number and I can never fight it. Therefore I will be saddled with this forever. This should be illegal. I am asking for your help with this matter.
Consumer complaint received 2018-01-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am in the process of purchasing a home and came across a debt ( Portfolio recovery associates ) on my Credit report. 
I dont recall opening a credit card with set company. I am not admitting or denying this debt. I was not contacted by XXXX XXXX that my account was being sold to Portfolio recovery associates and not notified by Portfolio recovery that they were handling this account. 
I have contacted Portfolio Recovery and have made numerous attempts to try to resolve this account with Portfolio Recovery. Due to my financial hardship, family members are willing to assist and doing so Portfolio Recovery laughed in my face and mistreated me when I tried to offer an amount that I am being helped with. 
Due to the representative being very rude I requested to speak to a manger and after 5 times a manager by the name of XXXX finally came on the line and whom I might say was extremely rude and continued to laugh in my face, being very unprofessional. 
I requested to speak with with XXXX general manager and he refused to put his manager on the line and asked XXXX several times for the name of his general manager. 
I feel victimized when trying to resolve this account with Portfolio Recovery especially when this account is out of stat. 
This debt has been removed from one of the credit bureaus and I am requesting this item be removed from all credit reports since this account is out of stat. 
I am filling a complaint to have the appropriate actions taken with Portfolio Recovery for the embarrassment, harassment and unprofessional they have shown towards me and settling this account.
Consumer complaint received 2018-01-31
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. (PA)

Transunion XX/XX/2018 XXXX # XXXX Transunion has XXXX XXXX as Charge off showing on my credit file. I dispute the information by transunion unless a document from XXXX XXXX is provided as proof. I have attach a document showing from XXXX XXXX there is or no money owed to XXXX XXXX. I need document letter showing from XXXX XXXX there is money owed or was owed on this loan and for Transunion to provide what is ask by documented proof from XXXX XXXX disputing the attach document I have from XXXX XXXX.
Consumer complaint received 2018-01-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (IL)

I have never been this stressed out and upset with a process, it is absolutely unacceptable that my income is not being used even though Im providing proof of my income. It has been difficult to contact the specialist from Fay Servicing on my case which is XXXX XXXX. I have an organization helping me and they have not had any luck contacting her either. I have gone to the office of the people helping me and when they call Fay Servicing XXXX XXXX is either out of the office, or she has the flu or she is on another call. I ask for them to send her an email to call me or the organization helping me and they have not. XXXX XXXX supervisor has not contacted us either. The reason for all of this is because I want to know why for the third time they are not using my correct income. One of the times I was denied was due to me not circling my rent deposits on my bank statments as stated by XXXX XXXX. How absurd is this? Now I circled my rent on my bank statements and I sent everything over and they denied me for having low income. When I called in and asked what was the verified income they used to review my case I was informed by another Fay Servicing agent that the income used was {$1300.00} of course I am going to get denied because I dont receive this in rent. I receive more than {$6000.00} in rents. They are still not using the correct income. I dont want my home to sell and its become so stressful I have ended up in the hospital.
Consumer complaint received 2018-01-31
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: ERC (TX)

ERC has reported the account was opened XX/XX/XXXX. In XX/XX/XXXX and XX/XX/XXXX, I sent numerous letters to each credit bureau requesting accounts be validated and verified by sending pertinent information to identify my information. ERC was removed from my credit report, now it has reappeared. 

This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for financial assistance which was highly embarrassing and has negatively impacted my lifestyle. 

CREDITOR AGENCY - XXXX XXXX XXXX A/K/A XXXX XXXX XXXX Please delete the above information as quickly as possible.
Consumer complaint received 2018-01-31
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

I received two threatening telephone calls today from XXXX ( " XXXX XXXX XXXX XXXX  '' out of Michigan ) regarding a credit card bill, which was charged off over 7 years ago. They acquired ( purchased the file ) onXX/XX/2018. They said they were going to serve me papers between the hours of XXXX and XXXX regarding a lawsuit filed against me. When I contacted them with questions, I was hung up on several times, told to " pay your bills '' and " XXXX '' twice. I was also called a " XXXX XXXX ''. When I told them not to call me at work, they said they had no choice but to serve me. When I asked what my address was they began giving me several, all of which they obtained by doing a XXXX search. The representative confirmed this and told me that if " you are going to mention the company, get the name right '' ( I said XXXX because of nerves ). She then hung up on me. Representatives from Law Firms that specialize in collections leave false information and threats ( I've had this happen previously many years ago when I lost my job ) and contact any person with the same last name, always leaving the same messages for family members regarding the person they are trying to collect from. Their behavior is unethical, unprofessional, and completely disrespectful. Additionally, they threaten and give unlawful information. This company, in particular, needs to be fined and shut down. Their communication practices are unacceptable and unlawful.
Consumer complaint received 2018-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

My bank ( Wells Fargo ) is holding my monthly Federal annuity check ( amount {$2800.00} ) and not posting/crediting to my account on the date they receive it. I know this because my previous bank always posted on the date they received it which on nearly every occasion was days before the XXXX of the month. I believe Wells Fargo is holding it and earning interest on my funds.
Consumer complaint received 2018-01-31
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I participated 360 Capital One {$200.00} Money Market Account Bonus promotion. I opened a 360 money market account with the promo code XXXX and deposited {$10000.00} into my account on XX/XX/XXXX. The terms of the promotion was to deposit XXXX by XX/XX/XXXX. I have not received the {$200.00} bonus as promised.
Consumer complaint received 2018-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CO)

On XX/XX/2018, I followed directions on Experian to obtain my free credit report to which I am entitled to under the The Fair Credit Reporting Act. However, the only way to obtain the " free '' report is to register for an account, which automatically enrolled me in an Experian CreditWorks account. If this account is not canceled within 7 days, a monthly charge is initiated. After I read my credit report, I searched on line for a means to cancel the account. The only method offered is by phone. The phone number takes you through a phone tree, which eventually directs you to access your account on line. This is not compliant with providing a free report. I am still trying to cancel my account.
Consumer complaint received 2018-02-01
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. (CA)

A default judgment is appearing as a collection account on EXPERIAN, XXXX, AND XXXX.It is appearing as a collection perhaps to avoid properly categorizing the account as a public record due to AGREEMENTS BETWEEN CREDIT BUREAUS AND STATES ATTORNEYS GENERALS enacted within recent years.In addition, the date of first delinquency has been re-aged.THE DOFD coincides with the date of judgment entered ( ATTACHED COURT RECORD ) which would be impossible considering the nature of the debt, ie : back rent and holdover.The debt was many months prior to the stated DOFD.ALL THREE BUREAUS after numerous disputes permit a false re-aged date of first delinquency and permit a miscategorization of debt, and allow these inaccuracies to fly in the face of their ATTORNEYS GENERALS AGREEMENT, CREATING A LOOPHOLE FOR ACCURACY DEMANDED BY THE FCRA.THE DISPUTED ACCOUNT IS : XXXX, XXXX , XXXX XXXX.ACCT NO. XXXX.
Consumer complaint received 2018-01-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (CA)

I moved out of my unit inXX/XX/XXXXXX/XX/XXXX when a friend joined the lease and took over the unit. I paid the wifi bill to XXXX for XX/XX/XXXX and XX/XX/XXXX even after I moved out and my friend assured me that he changed the bill over into his name. I preceded to leave the country and the following year when I came back through town I discovered that he didn't change the bill into his name until XX/XX/XXXX therefore leaving unpaid bills in my name for XX/XX/XXXX and XX/XX/XXXX totaling {$110.00}. As a conservationist  I always request paperless statements from companies to lower my carbon footprint. Had XXXX honored my requests, I would have received an email stating that I unpaid bills and notifying me that the bill was in fact not changed over into the new tenants name. I was denied a car loan today because of this small {$110.00} bill that I have no problem paying but I do not want a bill that isn't mine to stay on my credit report for 7 years and affect my score and capacity to buy a car. The collection agency is called ICS.
Consumer complaint received 2018-02-01
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Weinberg Mediation Group LLC (AZ)

Weinberg mediation group continues to call me even after sending them a letter asking for a validation debt letter. I also sent them a Cease and Desist letter. 

Weinberg Mediation Group XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX
Consumer complaint received 2018-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX, acct no.XXXX and XXXX XXXX XXXX XXXX  acct no. 
XXXX are two collection accts showing on my XXXX and XXXX credit reports. 
on EQUIFAX ONLY security credit services llc acct no XXXX is showing as a collection with no balance. 
ALL ARE INACCURATE FOR THE FRAUD OF THE ORIGINAL CREDITOR.EACH ACCOUNT IS FOR THE PURCHASE OF A SOFA.IN BOTH CASES THE SOFAS WERE CONSTRUCTED DEFECTIVELY AND BEGAN TO COME APART WITHIN THE 1ST 30 DAYS OF PURCHASE.WITHIN 90 DAYS THEY HAD TO BE DISCARDED AS REFUSE. 
I APPROACHED THE ORIGINAL CREDITOR IN PERSON REGARDING THIS SCAM. 
LIKE THE FRAUDSTERS THEY ARE THEY OFFERED ME A XXXX DOLLAR CREDIT ON EACH SOFA WHICH I REFUSED.
Consumer complaint received 2018-01-31
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: JPMORGAN CHASE & CO. (NY)

I purchased a ticket, for travel, the merchant issued a rewards milage ticket. I was not able to usr the ticket upon checking in at the airport. The airline stated that only the holder of the account that have the miles would be able to usr the ticket. I was denied boarding abd lost All the purchase price of the ticket. I filed a dispute with Chase Card services. and have not gotten a refund.
Consumer complaint received 2018-01-31
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Meridian ARG Inc. (MD)

Received a phone call from XXXX stating " they were considering me fore legal action and to contact the law firm XXXX for case number XXXX '' When I called the number not only did they have my Maiden name, the woman on the phone repeatitly refused to give me any information regarding the attorney who filed suit, or the original account number or amount. She threatened me and hung up on me when I asked for additional information claiming " if i didn't want to pay then they would just go ahead and file '' I found the address of the company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I have frequently review my credit report and know this is not a current account, nor is it een an account for the last 10+ years that's been open. The account she was trying to claim I owed on has been paid off and closed and has been for almost a decade.
Consumer complaint received 2018-02-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Performance Management, LLC (FL)

To Whom It May Concern. 

RE : RECEIVABLES PERFORM MGT/XXXX   Agency name RECEIVABLES PERFORM MGT/XXXX Agency number XXXX Original creditor XXXX Good Afternoon, I am in the process of purchasing my first home, and my closing was canceled due to this collection showing on my credit report. I don't have a clue who this company is and they claim to represent XXXX XXXX and XXXX XXXX. I currently don't have, nor have I have incurred any debt with this company. The representative was extremely rude and hostile. They advised me to ay my bill and that even if wrong info on file, I must pay for them to remove. I reiterate i don't have an account with the referenced creditors ( They seemed lost and no accurate information was verified other than my name and not my middle name ). 

Please help me remove this erroneous information, which is a violation of my rights and the fair credit reporting act. 

Kind Regards, XXXX XXXX XXXX
Consumer complaint received 2018-01-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CORELOGIC INC (TX)

My escrow account is in the negative due to XXXX XXXX XXXX paid taxes for my house and another house with the same street name from my escrow account. I called in XX/XX/XXXX and was told it would be fixed. Called a few more times in XX/XX/XXXX and was told it was being fixed.. Well it's XX/XX/XXXX and still no resolve. I received a statement stating my mortgage was going up to XXXX due to my escrow acct was XXXX. I called and was told they are still working on it. I was transferred to Core Logic the 3rd party carrier and they said they only did what XXXX told them to do. On XX/XX/XXXX I was speaking with XXXX agent ID XXXX at XXXX XXXX and she stated it was not her problem and transferred me to XXXX agent ID # XXXX. XX/XX/XXXX i received a new statement stating my new mortgage payment would be XXXX starting XX/XX/XXXX. XXXX has not received the refunds for the payments they made in error for the taxes. However, I was told if i do not make the monthly payment until they fix it, I could go into foreclosure. I am a single mom who busted my XXXX to get my family in a house. I have paid all mortgages and for them to threaten me that i may lose my home for their error is absurd. I need help. Please Help me.