davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-13
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC. (MN)

I recently refinanced my home. On XXXX XXXX I received a letter from Veterans Affairs that I was due a refund of the funding fee on my loan in the amount of XXXX and the letter states that the lender has been given instructions to send me a refund. 
On XX/XX/2020 I called the mortgage company Guaranteed Rate and spoke with the servicing department which told me they had not received anything and that I should send a letter to the Research Dept., which I did on XX/XX/2020. 
As of today XX/XX/2020 I have heard nothing nor received a refund.
Consumer complaint received 2020-08-13
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (TX)

THIS IS NOT A DUPLICATE COMPLAINT So synchrony needs to step forward and look into this issue. 

Enclosed there is a printout from XXXX, it shows an attempt to pull my XXXX, but it was not successful because my reports are all locked with fraud alerts. 

Synchrony has been told I have not applied for any accounts with them now and this is against the FCRA to pull a hard copy without written consent via letter, phone call or application signed.
Consumer complaint received 2022-11-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 an account without my written instructions.

15 U.S.C 1681 section 602 A. States I have the right to privacy
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2020-01-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (MD)

On XX/XX/XXXX I received a letter for a debt We agree to the monthly payment. 
As our agreement, I make my first payment on XX/XX/XXXX. 

The next payment should be on XX/XX/XXXX, but in the time I received a notification from XXXX saying this company sends me to the collection when they do promise me by phone they won't If I do accept a payment arrangement.
Consumer complaint received 2022-11-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation (FL)

There were issues with the Vehicle and the Loan company were supposed to pay for those repairs but instead, it came out of my own pocket. We had an oral discussion about it because they contacted me at my job, repoed my vehicle at my job, and withheld my personal property from me for a Month refusing to give me the location of the vehicle, once I ended up getting my personal property that included phones, credit cards, medicine, clothes, etc some items were stolen and I ended up losing my job
Consumer complaint received 2020-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (MI)

I purchased XXXX XXXX and received a one year supposedly free XXXX XXXX. The year will be up in XX/XX/2020. My complaint involves my payments being made by my Debit Card Account which includes savings and checking. In XXXX and XXXX payments were taken and instead of using Checking they used Savings which did not have sufficient funds. My SD or Checking Account had over {$8000.00} Their using the wrong account has caused me overdraft charges and will probably result in a lowering of my credit rating.
Consumer complaint received 2023-02-10
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. (CA)

XXXX XXXX XXXX Acct # XXXX by XXXX XXXX XXXX ending in XXXX I have been contacted hundreds time illegally for the attempted collection of debt by XXXX XXXX XXXX they have no authority to recover debts in the state California by law 20 U.S.C 1234e I demand a cease and desist against XXXX XXXX XXXX also under 15 U.S.C 1681 Section 604A I have a right to privacy and with my credit report being with a third party agency my consumer credit rights have been violated again. I demand this error be deleted immediately
Consumer complaint received 2020-08-13
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AR)

On XXXX I asked Experian, XXXX, and XXXX to delete inaccurate information from my report regarding the below accounts that does not belong to me. 

Account Name : XXXX XXXX Date Reported Opened : XX/XX/XXXX Amount : XXXX Charge Off Account Name : XXXX XXXX Date Reported Opened : XX/XX/XXXX Amount : {$1100.00} Charge Off Account Name : XXXX XXXX Date Reported Opened : XX/XX/XXXX Amount : XXXX Charge Off
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX {$0.00} XXXX {$1200.00} XXXX {$0.00} XXXX {$1200.00} XXXX {$7300.00} XXXX {$54000.00} XXXX {$2000.00} XXXX {$1900.00} XXXX {$1200.00} XXXX {$1100.00} XXXX {$3300.00} XXXX {$580.00} XXXX {$2800.00} XXXX {$0.00} XXXX {$0.00} XXXX {$15000.00}
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Consumer complaint received 2022-11-01
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ProCollect, Inc. (FL)

I called ProCollect Incorporated @ XXXX on XX/XX/XXXX responding to a notice to collect a balance of {$100.00}. The notice was dated on XX/XX/2022 stating that I can write or call them by XX/XX/2022. Which is today 's date, I called and spoke to a man who identified himself as XXXX XXXX. I advised him that I am disputing this debt because I don't owe it and I don't know why there is a balance. He told me that it does matter what I say, if even I call to dispute that doesn't mean anything and that the burden of proof is on me as the consumer to give proof that I don't owe balance. The letter that from this collection agency clearly states that " we must stop collection on any amount you dispute until we send you the information that shows you owe the debt. XXXX XXXX said I can call all day long but I need to send proof that I don't owe this. XXXX XXXX said that the client said that the balance is for a bag of trash and damages. I am requesting proof of these debt as I am entitled to instead I am being denied this is a clear violation of my protected rights under FDCPA.
Consumer complaint received 2022-11-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST HORIZON BANK (TN)

On XX/XX/22 I entered the bank at XXXX XXXX XXXX, XXXX, TN XXXX to deposit {$5000.00} in cash that I had withdrawn from my personal account at XXXX  XXXX XXXX. I ensured that I had the receipt b/c on several other occasions First Horizon has refused to take a deposit from my husband for a dividend check from his mom of {$21.00}. Interestingly, my husband has been a client for this bank for over 40 years and his mom for over 60 years as well my husband has approx. $ XXXX so what is the risk. Today, however I attempted to deposit $ XXXX cash into a joint savings account with my husband and was asked for my SSN and where I worked. I did not throw a fit mostly b/c the teller was just doing her job but this bank seems to go over and beyond what would be considered legal. I am concerned that these decisions are racially motivated except for the fact that some of these policies are being enforced by people of XXXX. Enough with this bank!!!
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I reviewed my consumer reports, and noticed that I have some late payments on an account that I was never late on. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account I have included screenshot inside included screenshot inside this complaint on XX/XX/XXXX, and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payment be updated to be paid as agreed on time as they should be due to the fact I was never late. Thanks in advance for your prompt assistance to correct these errors. Please see the attached screenshot.
Consumer complaint received 2022-11-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Turning Point Solutions LLC (CA)

Initial Filing XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - XXXX of XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Info Due XXXX XXXX XXXX XXXX XXXX XXXX  WHICH WILL DO BUSINESS IN CALIFORNIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Contacted By a XXXX XXXX XXXX  and Manager XXXX XXXX  XXXX, Regarding a Build XXXX XXXX upon Accepting the Call XXXX in California, I requested the Business License Information from the Manager, was told He can Do Whatever He Wants, including but not Limited to Filing a Harrassment Lawsuit against Me, for Requesting Information on this Debt. 

Advance Capital Solutions , Inc., XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX  XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Ohio XXXX XXXX XXXX XXXX Ordered to Shut Up and Listen by Both identified Parties, calling From ( XXXX ) XXXX, upon Due Diligence it appears Advance Capital Solutions, IncXXXX XXXX XXXX  XXXX File # XXXX ) is not Authorized to Conduct Business in the State of California, and Is Violating the Consumer Fair Debt Collections Practices Act, Federal Law or State Laws in the Verification of this Debt. 

Furthermore, I am Seeking Financial Compensation for the Threats, Harrassment and other Miscellaneous Violations of Federal Law.
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX   XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (TX)

My credit report on XXXX shows I have a collection accocunt with {$47.00} and I have totally no idea why this record is showing on my credit report, and the collector SOUTHWEST CREDIT SYSTEMS refuse to look up my case for me.
Consumer complaint received 2024-04-10
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (WA)

I have been receiving calls from XXXX Oklahoma for several months, mostly during the work day so I'm unable to answer at the time the call comes through. I have not lived in Oklahoma for over XXXX  years so I assumed it was a wrong number as no voicemails were ever left. Eventually the phone calls became enough that I answered one day during work to see what was going on. I was then harassed by a representative named XXXX XXXX from I.Q. Data International saying I owed over {$2000.00} and asked how I wanted to pay. I advised I wasn't aware I owed this debt as I've never received anything by mail. She then called me a liar and said letters were sent, I tried to apologize saying I never got them and I open ALL my mail and asked if I could get something in writing before I agreed to make any payments, she refused and said letters were already sent to me and it's my fault i didn't get them. I told her I knew my rights and she had to send me something by mail, I was then put on a hold without my consent and the call disconnected. Low and behold XXXX days letter I received my first communication by mail. ( letter dated XX/XX/XXXX ) Today XX/XX/XXXX I called and attempted to set up a payment plan or asked if a settlement was available as I just want to be rid of this debt and it not affect my credit score. I again spoke with XXXX XXXX and after asking me questions on my income, job, how much I pay rent, etc. she came back and asked how much I was able to pay today, I advised it depended on if a settlement was available or what the payment plan looked like, she then told me no payment plan was available and I had until XX/XX/XXXX to pay the debt IN FULL and they would not accept anything else. She then began telling me to ask my fianc for money or take out a loan to pay them. I advised I do not have {$2000.00} but I was trying to make good on my debt and make some kind of monthly payment, she refused, spoke over me and put me on hold saying " I'm going to put you on hold until you're ready to resolve this and make a payment '' I sat on hold and when she came back I asked for her supervisor. She told me it was unnecessary for me to speak with a supervisor and said they take XXXX. I again asked for a supervisor name and ext. and was told she was putting me back on hold until I was ready to speak with her. I disconnected the call and attempted to call back so I could get the supervisor, I was transferred directly back to her, I heard her say " thank you '' ( I assume to someone standing by her ) and was placed back on hold until it was transferred to her voicemail. This company is very unprofessional and I have never been spoken to the way she spoke to me when all I was trying to do was make a payment ( I did offer {$200.00} today but that wasn't good enough ) I would like my account to be transferred to another company or find another way to handle paying this debt as I will not be dealing with this company ever again.
Consumer complaint received 2020-08-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (AL)

I have no knowledge of this account. I have tried to contact easy money on several occasions.They are charging me for total of {$300.00} that I did not personal receive nor take out with them.
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I applied for a credit line increase on my Capital One card ending XXXX on XX/XX/XXXX. The application for the increase was reviewed and denied. In their reasoning for the denial they stated the denial was due to my credit score and note the score was derived from a credit report dated XX/XX/XXXX. I called to try and get an answer regarding why a decision on a credit application on XX/XX/XXXX was made using out dated information from XX/XX/XXXX and was just told thats the decision capital one decided to make my credit score has increased since XX/XX/XXXX so if accurate and updated information had been used the decision could have been different. I would like my request to be reconsidered based on updated information at the time of my request.
Consumer complaint received 2015-12-26
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

In XXXX, 2015 Capital One issued me a new credit card ( with chip protection ) and a new credit card number. I emailed the XXXX XXXX XXXX that I wanted to cancel my on line subscription ( directly billed to my credit card ) instead of updating them with my new card number. XX/XX/2015 I get my statement from Capital One and notice for the first time that the XXXX has continued billing me for a subscription I had cancelled. 
I never gave the XXXX my new credit card number.