davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-12
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: D. SCOTT CARRUTHERS (CA)

I have received repeated calls at work and on my personal phone number from XXXX XXXX and XXXX XXXX claiming they are attorneys who are attempting to sue me because I will not pay a debt they say I owe. I have repeatedly asked for written correspondence for the debt and have never received it. I have repeatedly asked them not to call me at work and to not call me personal phone either, yet they continue to call. Today, XXXX/XXXX/19, they attempted to call my work and called the CEO 's office and told them they were trying to track me down for a criminal matter. I received the attached email from our HR department who received a call from the CEO 's office stating what XXXX XXXX said to them. Every time they call, they call from XXXX, which is the number for D. Scott Carruthers a debt collection firm. I want these phone calls to stop now! They are obviously trying to get me fired or this is some kind of scam. If this was legitimate debt collection they would obey the laws and send me something in writing and would also stop the phone calls when told to do so. I don't owe them anything that I know of and they refuse to send me anything in writing.
Consumer complaint received 2019-09-12
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. (CA)

On XX/XX/XXXX, I sent a certified dispute letter to XXXX stating the following : These items are inaccurate because student loans were consolidated XX/XX/XXXX, these are duplicate accounts. The consolidated loan shows up on page 5 of 10,  XXXX/XXXX  XXXX  XXXX  Partial Acct # XXXX. I am requesting that the items be removed to correct the information. 

Page 4 of 10 : 1 ) DEPT OF ED/XXXX Partial Acct # XXXX 2 ) DEPT OF ED/XXXX Partial Acct # XXXX Page 7 of 10 : 1 ) U.S DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$4600.00} 2 ) U.S DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$3600.00} 3 ) U.S. DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$6000.00} 4 ) U.S. DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$6000.00} 5 ) U.S. DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$4500.00} Page 8 of 10 : 1 )  U.S. DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$4500.00} 2 ) U.S. DEPARTMENT OF EDUCATION Partial Acct # XXXX - {$4500.00} On XX/XX/XXXX, I received a letter from XXXX stating the following : " Outcome : Remains - the company that reported the information has certified to XXXX that the information is accurate. This items was not changed as a result of our processing of your dispute. Please review your report for details. '' This response was the same for each of the duplicate items I disputed.
Consumer complaint received 2019-12-23
Product: Debt collection — I do not know
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: CL Holdings LLC (LA)

On XX/XX/2019 XXXX XXXX XXXX took me to court. I didnt even know I have a court date.I wasnt notified of the lawsuit. I didnt even know there was a lawsuit. Im on a fix income. Ssi. The judge ruled in their favor. I am bedridden diagonised on the last stage of XXXX I cant walk I cant move I cant do the basics in life. How can I pay them? Before dignoises I tried to call them but no answer they wouldnt answer or talk to me about what can be done with they threatened with arrest
Consumer complaint received 2019-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (DC)

On XX/XX/XXXX I found that my mailbox has been broken into so wanted to freeze my credit. I was able to successfully and easily do this with XXXX, yet XXXX  and Equifax would not let me do it. 

It is particularly strange that Equifax couldn't seem to verify my identity, or whatever the problem is, because I've had the same credit monitoring account with them since XXXX. It is clear that they just make the " free '' freeze almost impossible to do, but I'm sure the " paid for '' version would go through no problem. 

Similarly with Equifax, I just created an account with them for this purpose and they were able to identify and find my credit file, list out my current credit accounts, etc. Yet when I tried to freeze the credit they said they couldn't do it online. So I called the number and correctly answered all of their prompts, but again, a problem and they tried to refer me to the online page. Then when I spoke to an agent she said that she was unable to freeze my credit at that time because they were updating their systems. I get the feeling no matter when I attempted to call they would be " updating their systems ''. 

It's all a big scam to avoid the law requiring them to freeze my credit for free and making me pay for their premium services.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-12-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (NH)

This complaint is based on violations of the FDCPA and the FCRA by the Respondent. 

___ XXXX XX/XX/XXXX, I reviewed my credit reports and saw a collection account by the respondent. This was the very first time I discovered the alleged debt. The respondent never mailed me an initial letter, and did not instruct me of my right to dispute the debt as required by the FDCPA. 

___ XXXX XX/XX/XXXX, I disputed the debt directly with the respondent in writing. In my letter, I requested the materials in the CFPB standardized dispute letter for the respondent to validate the debt. Attached please find a copy of my certified letter to this complaint. 

___ At no time did the respondent validate the debt, or even provide me with the name and address of the creditor, or the amount owed. 

___ XXXX XX/XX/XXXX, I then disputed the account thru the credit reporting agencies. In my dispute, I stated that I had no knowledge of the account, and that the respondent failed to validate the debt as required by the FDCPA. 

___ At the end of XXXX of XXXX, I received the results of the investigations from the credit reporting agencies, where the respondent failed to cease collection of the debt, as they falsely verified the unsubstantiated debt to the credit reporting agencies. 

___ The respondents failure to validate the debt can only be construed that they have no materials to rely upon to tell any credit bureau that they verified the account. 

___ It is well settled case law that a debt collector who allegedly verifies information to a credit reporting agency without account-level documentation in their possession is in violation of section 1681s-2 ( b ) of the Fair Credit Reporting Act. See Hinkle v. Midland Credit Management , Inc, No. 3:2013cv00033 ( S.D. Ga. 2015 ).

___Based on the aforementioned facts ( and supported by the attached certified letter ), the respondent engaged in following wrongful conduct : ___ ( a ) Violation of the FDCPA 15 USC 1692g in that they have continued collection while failing to validate the debt.

___ ( d ) Violation of the FDCPA 15 USC 1692e ( 2 ) ( A ) in that they misrepresented the character, amount of legal status of the debt.

___ ( c ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( A ) in that they failed to conduct a reasonable investigation of my dispute to the credit reporting agencies.

___ ( d ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( E ) in that they failed to modify, delete, and/or permanently block the reporting of inaccurate or unverifiable information on my credit reports.
Consumer complaint received 2024-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CT)

I closed out my credit card in XX/XX/XXXX for Barclay bank card # XXXX I asked it there were any charges to pay and was told no. 

I received a text in XXXX stating I had a past due balance I called on XX/XX/XXXX and was told there were interest charges on a small balance. I decided it was not worth arguing so I paid XXXX was told it was in full and they would make sure account was closed. 

I received a text on XX/XX/XXXX again same thing I have a past due balance, I called and was told by XXXX her ID # was XXXX was told I owe a balance of XXXX which was from a interest of XXXX I owed from XXXX. 

She confirmed account was closed in XX/XX/XXXX. I asked her how I could owe anything. 
she agree to adjust off, refused to email me said " unable to ''. I also asked if they can remove any negative reporting to credit bureau and was told I have to email them, that request. 

This is ridiculous and unacceptable. I feel this is just another way to charge for interest and like I did the first time not bother to fight it and pay it. This time I refuse to. This is their error and they should fix it. This is criminal.
Consumer complaint received 2019-09-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc. (MI)

There was a technical problem with cash app called the number listed the representative that I spoke with told me they had a problem with the app he told me he would fix the problem so that I could transfer the XXXX to my XXXX XXXX account he could not do it so he instantly deposit the money on a card ending in XXXX it has cash out on my app but I dont have a cash card and I went online to my account it had pending then reversed so the payment never went to my bank but it was cashed out because my cash app is showing XXXX balance
Consumer complaint received 2019-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CHARLES SCHWAB CORPORATION, THE (GA)

On XX/XX/2019 a hard inquiry by Charles Schwab Bank was made without my authorization. I called them sent the bureau a request to remove it from my credit report. They did not help.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

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 : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-12-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE (FL)

On XX/XX/2019, I sent a money transfer to my mom in XXXX via Western Union. I sent a total of {$150.00} ( US Dollars ) to be received in US Dollars. My mom went to pick up the money at 4 different Western Union locations and none of them wanted to give her the money in US Dollars, they all wanted to give her Soles ( XXXX 's currency ), supposedly because they didn't have any dollars available. My mom gave up and accepted the Soles only to find out that they gave her an exchange rate of 3.10 but the local exchange rate is currently 3.32, so she received a total of XXXX soles instead of XXXX soles. This is a difference of XXXXsoles, which is about {$10.00} ( US Dollars ). When I received the notification that the money was picked up, it said they received {$150.00} ( US Dollars ) which is a lie since they received Soles not Dollars. Now, {$10.00} to me is not much, but it is a lot of money in XXXX and this was a Christmas gift that the agent in XXXX stole from my family. Also, I paid {$11.00} towards fees for this transfer, so in reality, I paid {$21.00} in total fees after this whole mess. I put a complaint with Western Union and after over a week of " investigation '', they called me to say the agent showed proof they gave {$150.00} ( US Dollars ). Unfortunately my mom lost the receipt so I have no way of proving they are lying but I still wanted to put the complaint because this is just so unethical. My family and I have been using Western Union for many years and this is the first time we ever put a complaint against one of their agents, and it was very disappointing that they will not do anything for a loyal customer and let these agents get away with this kinds of acts that are giving them a bad reputation. My family and I will not be using Western Union again.
Consumer complaint received 2019-09-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

To whom it may concern, I would like to file a complaint that Navient fraudulently took out {$240.00} from my checking account without my authorization. In the prior month of XXXX I successfully cancelled an auto-draft payment for student loans and it did not come out. This month on XX/XX/19 Navient took money out of my account that without my authorization. 

I spoke with Navient on the phone today on XX/XX/19 and they have verified that it was taken out and acknowledged today that it has been cancelled. The supervisor claims to have escalated the request to get my funds returned, but says it will take at least a week for me to get the funds returned to me. This will affect my available funds to pay necessary bills in this pay cycle. 

I would also like to file a complaint against the agent XXXX that answered my call. She did not ask me my concern when answering my call, and went right into asking me when I am going to make a payment. I feel is very rude and not very customer friendly. This clearly shows that this company cares nothing about their customers, or expresses empathy or any concern for the customer.
Consumer complaint received 2019-09-11
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. (CT)

In XX/XX/2019 I sent a request to Experian and XXXX for the 4th time in 1year to have the information regarding the XXXX XXXX XXXX account removed from my report. I informed Experian and XXXX with a certified letter on 3 occasions that the account balance was incorrect along with payment history and that the account needed to be removed. I asked for the contact name and information for the representative providing the information at XXXX along with verification of a contract with my social and signature, and how the obtained the information from XXXX. It turned out that the account balance was incorrect and even though they recently change it, it is still incorrect. They also never updated my payment history. Experian and XXXX never submitted to any documentation with my signature or consent of contract information no did they provide the names and contacts of agent at XXXX submitting this info as accurate. They ignored my written request to have this account removed as well as my telephone request for this information. XXXX was part of state-wide lawsuit here in Connecticut.
Consumer complaint received 2019-03-04
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: Firstsource Business Process Services, LLC (AZ)

I have sent 3 dispute letters to both First Source, XXXX, XXXX XXXX and 3 credit bureaus in regards to failure to verify my account. They have continued not to provide me copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. They continue to send me to account statements which is not a proper form of verification of debt.
Consumer complaint received 2019-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I contacted TransUnion directly multiple times in regards to inquires that were removed from my credit and is appearing again. I told the customer service representatives that I did not receive any notice. Each one of them refused to assist me and told me it is nothing could be done about this. My name is XXXX XXXX ; XXXX is my social security number. The representative were very rude to me and talked to my as if I do not have rights as a consumer. They told me sorry it will just appear on your credit repair. However that is unfair and unethical. I did tell them I would take legal actions. The representatives told me they did not care what I did it will not change the matter.
Consumer complaint received 2019-09-11
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

In XXXX, Wells Fargo refused to do a loan modification for my VA insured home loan under the IRRL. We were behind on payments due to my unemployment ( as a result of my XXXX and XXXX ) and they intentionally undervalued my home ( claiming it was a 3 BR/ 2 Bath single family dwelling on their report when in fact it's a 5 BR / 4.5 bath SFH ). After I challenged their assessment and requested an on-site home evaluation they moved to foreclose, forcing me to file Chapter XXXX. In XXXX of XXXX, I started having trouble making payments and reached out to several support agencies that were willing to help keep the loan current. However, Wells Fargo refused to accept these payments, only posting them on XX/XX/XXXX - ONE WEEK after they filed a motion and received approval to lift the stay on the foreclosure. NOW, they are refusing to even consider a loan modification despite me having sufficient unearned income to cover a 30yr fixed rate.
Consumer complaint received 2019-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion is reporting incorrectly a balance of {$14000.00} on the XXXX XXXX XXXX  account number XXXX. ( Please see page attached from my credit report. ) This account has been transferred and this line item has a {$0.00} balance and {$0.00} past due. XXXX and XXXX are reporting correctly. This incorrect reporting of a balance is harming my credit score and this line item needs to be reported correctly. I have contacted the bureau to fix this however, I have not been successful.
Consumer complaint received 2019-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NJ)

This is a debt from XXXX that was sent to collection in the amount of {$340.00}. The collector was XXXX XXXX account # XXXX. The account was disputed and deleted from all 3 of my credit reports. That was back in XXXX of 2019. Now under a new collection agency they are trying to collect on the same debt which is a clear violation of the fair credit act.
Consumer complaint received 2019-09-09
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: LendKey Technologies, Inc. (MI)

I applied for a XXXX XXXX XXXX through XXXX XXXX / Lendkey. The website stated I needed to demonstrate 15K in annual income plus a good credit score to qualify. I am a XXXX XXXX XXXX so I do not currently have income, however I have a credit score of 800+ and made more than 15K during a summer internship, so I believed I would qualify for the loan based on the requirements they stated and I submitted an application. After being told that my income did not satisfy the requirements because it was not active income ( which was not stated on the requirements ), I continued to provide additional documentation at the institutions request, only to be told that the documentation they requested and which I provided did not suffice. After getting sick of the back and forth, I requested to pull my application. I then received an email stating my application had been denied because I failed to provide appropriate documentation. I called XXXX XXXX and complained, and they told me that I could call the loan center back and request a change in the language from loan denial to loan withdrawal, as well as a removal of my hard credit inquiry. I made the request and have been given the run around, when I ask for a supervisor I am told that none are available and they will call me back later, yet I have not received any calls.