davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: ALTERRA GROUP, LLC (OH)

We were transferred to Panorama Mortgage Group in XX/XX/XXXX. The first payment was due on XX/XX/XXXX. We never received a statement through the mail from the company so we had to track down the company name, phone number, and where to send the first payment ourselves through the old mortgage company. After using the phone number that was provided to us, we were able to confirm with Panorama that the information was correct, we sent the e-payment on XX/XX/XXXX. We began receiving collection phone calls on XX/XX/XXXX saying that the payment was never received by Panorama. We sent in bank statements, the statement that was sent to us through email from a manager at Panorama and screen shots of the website where we had paid the first payment. It is now XX/XX/XXXX and not only are we still getting phone calls about this first payment, they have now " misplaced '' the payment that was paid on XX/XX/XXXX. We have done some of the leg work ourselves and found out that the first payment was made to their headquarters in Nevada under one account number and the second payment was made to a company with the same name in Arizona under another account number, however our personal information remained the same. They are now threating us with legal action and late fees on 2 payments when neither one was late. We have also sent in all the proof, including our personal bank statements, and proof of the account numbers that were used for the payments. They have said many times that this would be fixed and that the supervisors are aware there is a problem but it keeps kicked back to collections
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX 
OPENED XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
NOT MINE DON'T NOW ANYTHING ABOUT THIS ACCOUNT
Consumer complaint received 2024-01-18
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

The Federal.Trafe Commission Bureau of Competition awards XXXX XXXX upon XXXX XXXXXXXX XXXX  oral contract to.pay said such award. Fees became part of the recipient 's award receipt. XXXX XXXX used my credit card as an option to pay for fees. He orally contract and typed a written texting and email that he will pay the bill. He researched for a scholarship program and therefore it would reduce said such fees as he orally contracted over the phone. His typed texts as written agreements that the scholarship program is to institute a process to receive said such Federal Trade Commission Bureau of Competition award. XXXX XXXX XXXX failed in stating the days to return and disconnection of service. It would need to be reconciled how the XXXX XXXX XXXX equipment would be disconnected and returned. Two other parties XXXX XXXX and XXXX XXXX XXXX are the financial backers and recipients of equipment. They owe the monies XXXX XXXX  XXXX has the dates for disconnection and return based the incorrect information that they stated 12 days to return and it is 21 days. The services are disconnected or if XXXX ate in operation then they owe. XXXX XXXX XXXX failed in properly identifying the process and kept me in a waiting period. As a customer for 30 years and the facts that others used my phone to receive free service.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report : 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
Consumer complaint received 2022-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Albert Corporation (OK)

On XX/XX/2022, I did an instant cash transfer from XXXX to Albert. Albert immediately did a negative adjustment to the account causing it to go negative for the exact amount of the instant deposit, {$770.00}. The instant deposit came through 2 days later, but the negative adjustment is still on the account causing the balance to be {$0.00} rather than {$770.00}. - Have tried to get help from support multiple times and can not get helped at all. They have no phone number to contact. Currently tried to message XXXX friends of the owner to get a response from him to help me.
Consumer complaint received 2024-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.
Consumer complaint received 2024-01-19
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (PA)

I have received a collection on my credit report from AMSHERCOLLECTIONSERVCES. To my surprise, they are reporting this account incorrectly as it is shown as being open as well but also show a balance in the amount of {$1100.00}. Please remove this account from my credit report immediately. Please provide me with a copy of my updated credit report with this removed off. 

Sincerely XXXX XXXX XXXX
Consumer complaint received 2024-01-19
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC (GA)

I contacted Westlake Portfolio on XX/XX/XXXX, in regards to my vehicle being repossessed for a second time within a 13 day timeframe. My call was sent to a supervisor ( XXXX ), who then reviewed the account for any discrepancies. XXXX discovered that the Rewrite agreement was initiated, but the paperwork was never sent to me to sign. She also stated that the repossession order was never taken off of my account from the initial release of the vehicle on XX/XX/XXXX. XXXX then proceeded to re-initate the paperwork for the Rewrite contract ( payment plan ), to start an investigation and resend the documents for me to sign, which would allow me to get my vehicle back, given the circumstances. On XX/XX/XXXX, at XXXX the documents were sent to me via docusign email. I signed the forms and sent them back. I also contacted customer service to attempt to get the process started in retrieving my vehicle. I spoke with 2 customer service reps, and 1 supervisor who stated that I was bascially forced to make another payment before they will release the vehicle.
Consumer complaint received 2024-01-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX, I paid my balance off with capital one of {$1400.00}. I was not aware that they had been charging a variable APR of 32.24 %. I just so happen to login to my account and realized that they charged me {$26.00} on a XXXX balance stating that they charge interest at the end of the month and that its not included in the balances. I asked to have this removed as a courtesy because my balance was XXXX when they charged me. I was told there was nothing that they could do and the supervisor named XXXX that I spoke with was more than happy to close my account without offering any alternatives except to set my account up on auto pay. Now why would I do that with an account that has a XXXX balance?
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I've started sending out letters to XXXX, Experian, and XXXX to review inaccurate information on my credit file since XX/XX/. I've went to simply asking to verify the account, to intending to file a complaint. I've just about had it and I need these items to be investigated immediately.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion has refused to remove a inaccurate fraudulent account from my credit report since XXXX and they have refused l have reached out through priority mail and certified mail and nothing was done l sent in all required documentation to prove my address as well as my identity l enclosed my FTC Identity theft, report social security card bank statement list of inaccurate accounts I sent a copy of my XXXX  According to the Fair Credit Reporting Act 605b they are to block and delete within XXXX business days. According to 15 USC 1681 section 604 A section 2 : it also states that consumer reporting agency can not furnish an account without my written instructions I have a right to have my information be accurate on my credit report as of right now Transunion is the only credit bureau reporting fraudulent information on my credit report concerning XXXX XXXXXXXXXXXX XXXX XXXX l am asking for your help in this matter
Consumer complaint received 2024-01-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (GA)

RADIUS GLOBAL SOLUTIONS is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$350.00} does not belong to me. This account was fraudulently opened through this company in XXXXXXXX XXXX XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2017-02-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

I am submitting this complaint about experian credit reporting agency. My XXXX/XXXX account was recently changed and put in the " potentially negative '' part of my credit report. I again called last week to dispute this information. This account was corrected in the past after I sent in the letter from XXXX/XXXX shops to verify that there has never been a late payment made on this account. It is suppose to be reported as accounts in good standing. Last month experian for whatever reason moved this account and put it back into potentially negative which affected my credit score. I have sent experian 2 copies 2 seperate times the letter I received from XXXX stating the account was never paid late. Experian should have this letter on file and I questioned it and was told they can re-dispute it for me. That is not the answer this account should have never been moved to accounts that are potentially negative. My complaint is I spend valued time on the phone with experian trying to correct the incorrect things on my credit report. Now I have to wait 30 days again before a response. This should have never been changed to begin with. I spend time money on stamps copies of the letter etc to correct the wrong information when finally it is corrected then a few months later it is back to square one.
Consumer complaint received 2024-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (IL)

On XX/XX/XXXX, I reached out to Zions Debt Holdings ( XXXX is the original creditor ) to obtain evidence supporting the claim that the debt belonged to me. In response, Zions Debt Holdings provided a deceptive contract in which they manipulated the date and email address. Despite possessing the original contract, which I shared with Zions Debt Holdings and highlighted its fraudulent nature, the company failed to acknowledge the issue. 

On XX/XX/XXXX, I forwarded both the fraudulent and original contracts to XXXX. However, XXXX, without thoroughly examining the fraudulent documents, accepted the creditor 's assertion that the debt was indeed mine. Surprisingly, XXXX explained that they do not investigate disputes if the creditor asserts ownership of the debt. 

This situation raises the question : when should the burden of proof shift to the entity committing fraud? Furthermore, when I contacted XXXX, they informed me that the account is too old and no longer in their system. It is disheartening to face the potential impact of a {$570.00} debt on my credit, especially considering the meticulous effort I've invested in maintaining a good credit standing. I find myself questioning who advocates for the consumer in such circumstances, where fraudulent documents are presented, yet the party retains the right to pursue a debt that is not rightfully mine. 

XXXX sent me an email ( attached ) noting that our relationship ended in XX/XX/XXXX.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (FL)

Someone is applying for cards .... refi of my cars... trying to get into credit unions and bank cards .... but it seems they are using my address... .. which makes no sense. 



Removing 60/80 inquiries .... too much to mention .... had fraud alert placed on my report ... .. all 3 bureaus complicit.
Consumer complaint received 2024-01-19
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MA)

I have two American Express gift cards for {$100.00} each. Gifts from work. The cards DO NOT WORK ANYWHERE. Not XXXX, not XXXX XXXX XXXX, not XXXX. Nothing. I tried to order some items from XXXX : the " Valid Thru '' dates on their site end at XX/XX/XXXX, while the card I used has a date of XX/XX/XXXX. They ended up calling me because the order " bounced ''. Embarrassing. 

What is wrong with these cards? There are DOZENS of threads on XXXX with the same complaint. The cards do not work online, and they do not work in stores. They are useless. Ever since American Express got rid of the name & email option and ability to register the card.
Consumer complaint received 2024-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paradigm Assets, LLC (TX)

Upon checking my credit report I found a fraudulent account from Paradigm Asset Recovery in the amount of XXXX. This account is a result of identity theft and do not belong to me. I have not authorized or did any transactions with Paradigm nor XXXX XXXX whom your company has obtained this fraudulent debt nor have I had any transactions with your company XXXX or XXXX XXXX. I did not open or authorize this account, and I request that it be closed immediately. 
Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the FairCredit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
Consumer complaint received 2024-01-19
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (NY)

Attempt to verify a debt. I became very sick and was unable to communicate with XXXX. Upon catching up with emails I see that the XXXX XXXX became aggravated and sent my account to collections & was very rude about it. Ive since contacted Transworld systems XXXX/XXXXXXXX and to date havent received any reply back regarding this debt. Its been months and I contacted XXXX months before and they strong arm me and send me to collections. I thought things were okay XXXX  I saw my credit score go up and trans world systems was removed and I get alerts now my score has decreased and this debt is back. I sent letter via USPS
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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  Account Number:XXXX  has violated my rights. Or a 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 seven 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 2024-01-18
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Freedom Mortgage Company (MT)

I'm a veteran that is on contract to sell my home. I faxed the Assumption Request Form provided by Freedom Mortgage to their assumption department on XX/XX/XXXXXX/XX/XXXX that provided information about the buyers that would be assuming my VA mortgage. I was told by an assumption representative prior to this date that their assumption process takes XXXX days to complete. Based on this, the sales contract for my home had an early XX/XX/XXXX closing date. BetweenXX/XX/XXXX andXX/XX/XXXXXX/XX/XXXX, I called Freedom Mortgage at least XX/XX/XXXXtimes ( dates I documented are : XX/XX/XXXX andXX/XX/XXXX). In nearly all of these calls, the customer service representative would attempt to connect me to the assumption department that wouldn't pick up, and I would then be circulated back to a general customer representative that couldn't provide any information beyond " our assumption department is really busy. '' The representative would also place a request to the assumption department to call me back and promise the call back would happen within XXXX weeks. I recall only XX/XX/XXXXcall backs from the assumption department and they would reiterate how busy they are and they it takes XX/XX/XXXXdays to complete the process without being able to confirm any action had been taken or information about when the process would begin. At no point, could any representative tell me when the process would begin or why it was taking so long to begin. OnXX/XX/XXXXXX/XX/XXXX ( nearly XX/XX/XXXXdays after providing the Assumption Request Form ), I finally received an email from a loan officer stating the process would take XX/XX/XXXXmore days once the buyers submit their application. Of note here, the buyers communicated to my real estate agent that they had also attempted to start the process repeatedly since XX/XX/XXXXXX/XX/XXXX. I provided all requested information back to the Freedom Mortgage loan officer that same day ( XX/XX/XXXXXX/XX/XXXX ), which was acknowledge by the loan officer on XX/XX/XXXXIn thisXX/XX/XXXXXX/XX/XXXX email, the loan officer indicated it would take XX/XX/XXXXbusiness days for underwriting to provide conditional approval for the buyers. Given Freedom Mortgage 's delay in starting the assumption process, we had to sign an amended sales agreement to push back the closing date to the end of XX/XX/XXXX. I requested a status update from the loan officer on XX/XX/XXXXXX/XX/XXXX by email ( no response as of XX/XX/XXXXXX/XX/XXXX ) and the buyers told my real estate agent that they have not been notified on their application after multiple requests for information from the loan officer. We have provided Freedom Mortgage nearly XX/XX/XXXXmonths to complete a process their representatives indicated takesXX/XX/XXXX days, and I'm very concerned the sales transaction will fall through because of their delays and lack of communication.