davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company (CA)

XXXX has now called me twice to " collect a debt ''. Each time I missed the initial call. The first time, I returned call, identified myself, and asked who the debt was incurred with. They indentified a vendor. When I said I had never done business with the vendor ( no company I recognized ), they said " sorry, we 'll remove you ''. 

Today, several month later, they called again. They left a message with a reference number. I returned the call. After a XXXX5 minute wait, I was connected to a " XXXX ''. I had to give her the reference number twice. She then asked my name to which I replied " you called me, so you must know my name ''. She said she would have to transfer me to " the department that takes care of that ''. After a brief wait, the call was picked up by a man whose muttered his name. I started giving him the reference number, he cut me off and put me on hold, then returned, apologized saying he " was finishing up with a lady on another call '' ( begging question of why he took my call ) and asked for me to " repeat the reference number ''. Again, I refused to give my name telling him he must know it from the reference number. He said " for privacy '' he needed to know my name. He tried several times to get my name, I refused telling him I had no uncollected debts ( note : I do n't even have any past due amounts ). He then asked for my phone number so that he " could take it off 'the list ' '' begging the question of how would he know that I did n't owe money other than my word? 

Thus, either he was being dishonest in saying that by simply giving my number he would remove it from the calling list ( note : seems strange they would not have a caller ID on incoming calls and my cell phone number 's ID is not blocked ) or that, more likely in my view, he intended to cross reference the number to get my name. Either way, it appears that the " reference number '' is bogus. Obviously he could have asked " am I speaking to [ my name ] and then asked me to provide address and phone number to verify my ID. 

I suspect Focus is employing intimidating tactics ( that might skirt the limits of the law ) or, worse, is engaging in outright fraud.
Consumer complaint received 2016-08-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Student Services (CA)

During the month of XXXX 2016, I kept getting bombarded by calls about getting help on my student loans. Finally I gave in to pick up a call, where a lady from a company called Student Services proceeded to tell me that she 'll get me a lower rate for a fixed income rate and consolidate all my loans, etc. etc. She also said that for that there is a fee of $ XXXX for the first month of XXXX, and the proceeding months will go directly towards my student loans and I would have a fixed rate of {$390.00}. However, due to actual mails from the Department of Education and the loan servicer XXXX, I was able to find out that this was not the case at all, and this third party Student Services is a scam that has been taking money from me without actually doing anything. The XXXX representative had to reset my actual student loan account so that this third party would not have anymore information, and they also explained to me that 1. I am not on a fixed income payment plan, 2. consolidation of my loans could have been done for free, and finally 3. no payments have been paid towards my loan at all and that I am currently on a grace period. I tried to call the company 's number on the paperwork that was provided for me, but the number seemed to reach some kind of third party phone services. Therefore I would like not only help investigating this company, but also my money back from all the payments I 've been making towards this scam.
Consumer complaint received 2023-06-14
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries XXXX XXXX XXXX section XXXX A. XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2016-04-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

My mother passed away unexpectantly on XXXX XXXX. She had a checking and a savings account with Huntington Bank. My grandfather ( her father ) went to the bank and informed them of her passing. He was told that she did not have a beneficiary listed, and therefore they could not tell him any info regarding her accounts. I opened an estate, and was appointed commissioner. The judge issued a certified copy of the order to release the funds to me so that I could reimburse my grandparents for the funeral. The order stated the funds could not exceed {$1000.00}, which we knew she did not have more than that. I took the order with a copy of the death certificate to the bank in the XXXX XXXX XXXX ( XXXX, OH. ) and dealt with " manager '' XXXX. First of all, she admitted she had no idea how to handle this situation. I feel someone in a " higher up '' position should be familiar with dealing with these situations. People die every day. Anyway, she called someone and sent over the paperwork. She was told at that time that I needed the original death certificate, which my attorney says is actually untrue. But I digress- Saturday I went back with the original certificate and my order again. This time, she says she spoke with the " supervisor of the legal dept. '' and was told that they needed to confirm the amount with the courts before releasing the funds. Now, this order specified that the funds should not exceed {$1000.00} and that the purpose of the funds were to reimburse for funeral expenses. Honestly, I would love to know how a funeral could cost less than {$1000.00}, and why it was necessary to make me wait again. This " supervisor '' of LEGAL should have been able to look at this order and recognize what it was, and the funds should have been released way before all of this run around. In the meantime, funds were withdrawn, and my grandparents lost out on over {$200.00} because no one ever put a hold on the account, even after being notified of her passing. The gentleman that did finally help me Tuesday evening was wonderful. I wish I remembered his name. He was sympathetic, professional, and could not understand why I was given such a hard time. This was all over {$640.00}. It was ridiculous and disappointing that this bank ( which is my bank as well ) could not help someone in a very needy time. My attorney had to send a subpoena, and all of this could have easily been avoided had the employees been educated on what they were supposed to do, and what an order from the court looks like.
Consumer complaint received 2016-05-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ROCKFORD MERCANTILE AGENCY, INC. (IL)

I ordered my free yearly credit report fro the XXXX major credit reporting agencies, and discovered there were an account that did not belong to me. So I called the credit reporting agencies for verification on the account. I new the account was n't XXXX. At that time, I called he collection agency, which is Rockford Mercantile agency, located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 

I sent the police report stating that my Identification was stolen, and that this is not my debt, and I was informed by the collection agency, even though this my not be my debt, they will not be removing it from my credit file. I have also disputed it with the credit reporting agencies, I was told nothing could be done about it unless Rockford Mercantile Agency remove it. The credit reporting agencies only report the debt. The Collection Agency have the wrong address, no SS #, and no date of birth to identify me with, but will not take this fraudulent trade line off my credit report. Please help me.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2016-02-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Amsher Collection Services, Inc. (KS)

I received a letter from a debt collector claiming I owe {$970.00} to XXXX XXXX. I have emailed XXXX and the debt collector and stated I do not owe the debt they are attempting to collect, and requested a response as well as some sort of documentation showing why they and/or XXXX believes I owe them what the collection agency is attempting to get me to pay. I have not received a response from either. The debt collector 's letter included an attempt to pressure me to pay half the debt claimed by XXXX/XXXX/2016 or their " offer '' would be withdrawn, yet no documentation supporting the existence of the debt being claimed has been received by me.
Consumer complaint received 2016-08-23
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (SC)

My wife and I have been out of bankruptcy for 2 years and we included Selene Finance ( aka XXXX ) in our chapter XXXX bankruptcy. As we understood from the courts, that when we surrendered the home, the loan should have been transferred back to the lender so they can report it to the Federal database CAIBRS to update to show that the loan was no longer in my name. We are in the process of getting a new home and we were scheduled to close in two weeks, and it shows that the house is not updated. We have filed numerous complaints on Selene Finance because it seems that they do their own thing and not comply with the federal law. When we surrendered the home, they were supposed to take possession and take it out of my name. They have not done so for two years. It seems in the courthouse in XXXX county they just recently sold the home and took it out of my name last month which is not adhering to the bankruptcy rules. This has caused a delay in me purchasing another home because of their actions. I have spent time and money repairing my credit to buy a new home and they just keep on dragging this along.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, TRANSUNION, XXXX HAVE CONSISTENTLY REPORTED INACCURATE NAMES AND ADDRESSES. HERE ARE THE FOLLOWING INACCURACIES THAT ARE STILL SHOWING ON MY REPORT : - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2020-06-14
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. (LA)

XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX XXXX & Experian. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$11000.00}
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance {$8400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (WV)

These inquiries do not belong to me, and I am not connected to the listed creditors. Please remove them from my credit report immediately. 
XXXX  Date of inquiry : XX/XX/year> XXXX  Date of inquiry : XX/XX/year> XXXX  Date of inquiry : XX/XX/year> XXXX  Date of inquiry : XX/XX/year>
Consumer complaint received 2015-05-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Amsher Collection Services, Inc. (NV)

I have received robo calls off and on for 6 months, sometimes multiple calls in a day. The calls stopped for about a month but have resumed. I do not have caller ID, so do not have a called from number to share. Robo call advises that they are calling from 'AmSher ' regarding a debt collection. Advised to call XXXX. I have no known debts to be collected. Out of curiosity and in an attempt to end the calls, I called the number a few months ago and got a machine ... I was provided with no information so was unable to enter a 'case number ' or agent name ... I just called again, just to check again ... Currently, their answering machine does not identify them as AmSher or any other company. Previously, the answering machine asked the callers to leave a detailed message ( I did not! ) including name and contact number. Now, the answering machine has a robo woman answer without identifying the company name, then it 'clicks ' over to a robo male like it switched lines and he says all agents are currently busy then askes you to leave a message. Very benign yet very alarming considering the company is supposed to be a collection agency and I have no known debt to be collected!
Consumer complaint received 2016-03-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Amsher Collection Services, Inc. (TN)

I 'm continually getting calls from an agency called XXXX collection. I 've told them repeatedly that the person they are calling for does n't live here that they have the wrong number. They assure me they will remove my number then they will call back the next day. They call very early in the morning, weekends, and it 's really causing me XXXX. A few of the representatives have been extremely rude and and insinuated that I was lying about it being a wrong number. This has been going on for almost.a year.
Consumer complaint received 2023-06-14
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. (MO)

This account, dating back to XXXX, has been reflecting on my credit report for XXXX years, even though the full payment of {$1100.00} was made. Although XXXX  XXXX XXXX assured me that the account would be eliminated from the report after full payment, it has not been resolved yet. This situation has caused me significant personal strain, affecting my ability to secure housing and leaving me vulnerable to homelessness. I respectfully request that the account be removed from my credit report within the next 30 days. I want the account removed not updated.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX Balanced {$XXXX} XXXX XXXX XXXX Balanced {$XXXX}
Consumer complaint received 2016-07-27
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (IL)

A month ago my husband XXXX XXXX and I became victims of an outrageous scam. It all started with a phone call from someone who introduced himself as an " IRS agent ''. He said we had some outstanding tax charges ( we did not! ) and he was very aggressive on the phone. He gave my husband a really hard time basically saying that if we do n't pay immediately, my husband will be arrested. All of this continued for 2 days while those " agents '' kept my husband on the line non-stop, not giving him a chance to think clearly. He was drawn into a state of causeless fear, and so did I. We withdrew our savings, used credit cards and borrowed from other people. It was a disaster. All of the money was sent via XXXX gift cards. We filed a police report at our local police station, but the police officer told us it will be really hard to recover anything of what we 've lost. 

One of the credit cards my husband was tricked by those criminals into using was his Discover credit card that literally had XXXX outstanding balance before that scam happened. And then in a single day it got maxed out, thanks to those crooks. We are both devastated. There is an official police report that proves that it got maxed out because of the scam. It was due to a CRIMINAL ACTION. We DID NOT spend that money on life 's pleasures. My husband talked to Discover customer service reps a couple times and they keep saying it is our responsibility now to pay out the card. Really??? Please help us resolve this. We feel hopeless and the whole situation is very depressing.
Consumer complaint received 2016-10-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CT)

I filed a dispute both online and over the phone with Experian about a credit inquiry that does not belong to me. I was spoken to very rudely by several representatives and refused help. I have a fraud alert on my credit file. This inquiry is not mine. The following inquiry does not belong to me : 1. XXXX XXXX/XXXX/2016
Consumer complaint received 2016-09-16
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (CA)

Hello, in XXXX last year I needed a credit score for renting purposes. I went to Experian web site, it said I needed to pay {$1.00} and I 'll be all set. Apparently I failed to read fine print, because there is a clause somewhere that unless you cancel your account within some " trial period '' you are automatically assumed to be a " member ''. They have been charging me $ XXXX $ XXXX monthly, in a way of automatic deductions from my debit card - ( information that they only had because I gave it to them to run my credit report! ) ever since. For services I did n't need, want, or have ever used. I consider this an abominable business practice. Shame on me for not reading the fine print, and I am sure they have a fleet of lawyers to make sure they get away with this, but I consider it outrageous that these companies are allowed to " assume '' that you are committing to something without explicit consent. That I know of, I never ticked any box saying " I agree to pay $ XXXX {$25.00} a month for all eternity, if I do n't cancel my account ''. It was not even entirely clear I created XXXX. I thought the site was asking all the information in order to process a single transaction, that of {$1.00} worth credit score. Is there ANYTHING that can be done? I feel like they prey on people and need to be stopped.
Consumer complaint received 2016-12-28
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (CA)

I tried to use my rewards points on Chase 's website to book travel. The website did not work -- it continued to say that there was an error on the page, even though no error existed. I called Chase XXXX separate times. Each time, I was placed on a long wait and transferred to a " supervisor '' who never answered the phone. The Chase employee with whom I did speak said that the website bug is a known issue and " happens. '' I am unable to redeem my points because the website is broken, and no one assists me on the phone. I speak with one Chase employee who then ostensibly transfers me to someone else, but that person never answers the phone, and I remain on hold.