davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-15
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Maury Cobb, Attorney at Law, LLC (OH)

The number XXXX called me ( screenshot of phone call details attached ) attempting to collect a debt, in which I do have, with XXXX that's being disputed. They claimed to be Maury Cobb , Attorney At Law , LLC. XXXX had already sent my debt to a different debt collector time ago, so I was confused. I told the lady on the phone that the debt is currently being disputed and not to contact me again. She ended up hanging up on me. So, I called back. I got a gentleman with a very deep voice and after asking him questions around how my debt got sent to them when it was in a disputed status, he adamantly was trying to get me to settle without regard to any of my inquiries. I told him no to settling because XXXX owes me money. I told him " You don't even know how much they owe me so how are you going to offer a settle amount without knowing this? '' He said " the amount is of no relevance. '' I cussed him out and hung up. Now, I am reading other peoples ' posts around the same thing on the XXXX  site. I'm glad I didn't fall for it, because I know roughly how much I owe XXXX and if they would have offered me a good deal I might have given out my info. 

You may see the other recent complaints on XXXX site regarding the same people here XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-24
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. (TX)

I sent a letter on XX/XX/XXXX to remove some items that are unknown to me. I require you all to remove/block any items or information not later than 4 business days after my complaint. Ive already included this in my previous Complaint & I am including it again., Here are the aforementioned items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$150.00} XXXX XXXX Balance Owed : {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-24
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. (LA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-01-24
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. (AZ)

Hello i have been calling and sending in letters to the credit bureaus XXXX, XXXX, and Experian. about wrongful information being reported on my credit report. some of these accounts are not mine and some of them are reporting wrong. the last time i have sent in letters is XX/XX/22 and still no response. I have tried calling but i feel im being ignored and this is causing a hardship on me and building my company.
Consumer complaint received 2019-11-26
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. (TX)

reporting company 's investigation into an existing problem We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I am writing in reference to the all three credit bureaus lowering my credit score due to auto inquiries that were within 7 days. All bureaus were sent a certified letter requesting that they bring my score back up to where it was minus points for every 5 inquiries.There were 10 inquiries. From XXXX and XXXX I was told by XXXX, XXXX and Transunion that they are not responsible for the credit dropping due to the auto inquiries. They all told me to contact the creditor where I applied for the loan. The auto creditors are not liable for the scores that the credit bureau is suppose to give. The creditors told me they could not remove the items by law. I understand that. The creditors are not responsible for my score going down the bureaus are are suppose to only drop 1 point for ever 5 inquiries if they are within 7 days and in the same category.. My score was dropped 41 points due to the inquiries that were made with 3 days of each other. This is unheard of. I feel like I am working on my credit is in vain if the Credit Bureaus are supoorting the negative information that companies put on your credit no matter what the circumstance are taking place in your life. I had a XXXX XXXX in XXXX. This is what caused the medical bills as collections on my report. I am victim of XXXX XXXX that a protective order was filed and I was assisted by the Attorney Generals back in XXXX. My credit was affected again by medical bills due to the XXXX   XXXX acts by my husband. I have told the collection agencies that and they still call and report medical collections. This is insane. I would like you all to check into this. Because I was informed by the XXXX, Friends of the Family in XXXX Texas, that I was in when I left my spouse that I should get medical waived due to this XXXX situation.. It is a conflict of interest for the credit bureaus to assist the consumers with education to check credit for and monitor credit, but they are not caring how they score due to these inquiries. How can the care about the consumer in correcting the problems with no effort on their part and turn around and try to sell the consumer on their products and try to get to you to open high interest credit cards so they can get a kick back. This is not helping the consumer. 

View full complaint
Consumer complaint received 2023-03-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (AZ)

On XX/XX/XXXX, I completed a money transfer to the XXXX in the amount of {$3900.00} + XXXX fee = {$4000.00} through Western Union. I was asked to upload my ID which I did. The XXXX is XXXX. Nothing unusual in the process until I received an email that my transaction has been declined. I checked back on the app and it still shows that my transaction is " in progress. '' The communication with Western Union has not been the best and since I knew that Western Union does not have the best communication I gave it a few days to update the status on the app. Even at this time, the app continues to show that the transaction is in progress. 

Today, XX/XX/XXXX, I contacted the customer service for the Western Union and asked why was my transaction declined. The reason given to me was it was declined due to a business decision. The rep suggested to start a new transfer using a different location. I asked why a different location. I also asked to clarify if I can or can not use the Western Union app anymore. 

The verbiage use appeared to be misleading or confusing. Basically my understanding is that I could not use the app anymore and I have to go to another location. The rep said that I can still use the app but I just need to start a new transaction. At this time, I have a feeling that the reason why my transaction was declined was not about the app at all. Again, I asked what is the business decision and the rep said there are no other information related to the reason. I asked again perhaps that Western Union can not honor the rate on the app. NO other information was given. 

This has happened a couple times in the past but I never had time to actually investigate nor did my recipient have time to wait for the money I was sending. Fortunately today, I have the time off and my family is not in dire need of my remittance. I would definitely like to get this resolved sooner than later so my family does not to wait longer unnecessarily. 

In the past, it seemed to be a similar situation, My transaction was declined and was told that it was my bank. Then I called my bank and bank said Western Union didnt even attempt to draw ( meaning it was cancelled without contacting my bank ). Another time, it was saying that I met my limit already which is not true nor accurate based on the information that their own customer service told me. But in these past cancelled transactions, I noticed that the rate was higher ( about XXXX higher ) than the current one. 

I just want to know if this is legal and allowed. It seems like it should not be the case.
Consumer complaint received 2020-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX XXXX XXXX XXXX reporting 30 day lates on XX/XX/20 & XX/XX/20 and I was never late. I have had an account for a very long time and I had moved so I didn't get my statement. But I called in & made a payment with a representative over the phone & set up future payments. I thought this was paid ( Even though I wasn't even working due to COVID - I still ensured I paid on time ). Once I got the notice I called immediately. You guys also closed my account after all these years and this wasn't even my fault. Please remove the late off of my credit file as those 2 lates were not my error.
Consumer complaint received 2020-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

XX/XX/2020 Twice Equifax was called today to resolve a year long issue on freezing my credit profile. 

Equifax has been requested to via mail, fax, phone and online portal to freeze the credit profile and they have refused to do so.
Consumer complaint received 2020-03-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A. (IL)

I opened a new checking account with PNC Bank with a coupon. According to the terms, I can get {$300.00} bonus if I fulfill the requirements ( complete XXXX debit card transactions, receive direct deposit totaling XXXX, etc ). I completed the requirements before the deadline however I didn't receive the bonus. I called PNC customer service, although they acknowledge that I should have received it and promised me they would open a ticket to investigate the case, I never heard back from them nor did I receive the bonus. I called them yesterday, the customer agent then told me he couldn't find any case in the system and he couldn't help.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I have a credit card from XXXX XXXX  XXXX XXXX  XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my XXXX XXXX late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXXXXXX XXXX  with no successful resolution. Experian, XXXX, and XXXX reporting me XXXX XXXX late in in XX/XX/ 2021. There was an error on their part. I was never XXXX XXXX late.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Transunion continues to report false and misleading information on my credit report and continues to ignore my previous XXXX attempts to have them legitimately investigate and correct the errors. This is totally unfair because they are blatantly violating the FCRA and not being held accountable by the authorities.
Consumer complaint received 2020-03-10
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Cottonwood Financial Ltd. (TX)

On XX/XX/2020 I was contacted by my father saying that someone had called him and my aunt looking for me. I have not had contact with either of them in a few years and was shocked as to how that happened when I myself do not have any contact numbers for either of them. I got the number and called. I also looked the number up but no information was found on it. XXXX. The lady informed me that she was representing a company called XXXX on behalf of the Cash Store and that they had no website or any public information. She said they were hired by the cash store to collect XXXX from me and that if I couldn't pay today using a debit card that they would come to my job and serve me. She said they will find my place of employment by using my social the same way they used it to find these numbers to contact relatives I myself do not have communication with. I asked her why any personal business matters or information was shared with a third party and she said " do you have the money today or not if not we are on our way to serve you at work. '' I told her I did not and she hung up in my face. How am I supposed to give out personal information to some random person who doesn't even have a way to verify they run a legit business? Furthermore, you are practicing illegal actions by providing ANY information to anyone aside myself. She even went as far as telling me my full social after asking me to verify the last 4 digits. Ma'am you are supposed to ask me to verify not tell me the entire number.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I've disputed incorrected information on my credit report. And issue have not been resolved. My understanding from my research is that incorrect information must be deleted or corrected. Due to this i will this information deleted of my credit report. Thank you
Consumer complaint received 2020-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

I took Martgage Loan from XXXX XXXX XXXX  ( XXXX ) in Feburary 2018. As per terms of of loan I should keep updated Insurance policy.Accordingly my contractor who is constructing the home took Certificate of Liability Insurance policy showing me as Insurance certificate holder. This policy was accepted by XXXX, the lender. 
In XX/XX/2018, the company under the name of Mr.Cooper purchased the mortgage loan from XXXX on the SAME TERMS & CONDITIONS. Their Loan # is XXXX. Mr. Cooper asked me to submit DECLARATION PAGE for the Insurance Policy, which I provided. 
Now they says that Mr. Cooper IS NOT REQUIRED TO ACCEPT the Insurance doucument as evidence of Insurance. They were claiming Insurance from me in their monthly bills even though they have the Insurance policy for the period. When I challenged them about this insurance amount they are charging ( Included in Escrow amount ) even though they have not purchased any Insurance policy on my behalf, they sent me a copy of insurance policy purchased on XX/XX/2018 BUT EFFECTIVE FROM XX/XX/18 ( BACK DATE ). Further this policy they purchaded in the name of privious lander ( XXXX  ) without informing them or me. Previous lander never claimed any premium from me for this policy. Mr. Cooper claimed $ XXXX for this policy, After the house was completed I purchased Home Insurance policy for a yearly premium of $ XXXX for the year ( as against their charge of $ XXXX ) This policy has been accepted by them. 
As They purchased my loan from previous lander ( XXXX  ) ON THE SAME TERMS & CONDITIONS, which include Insurance Policy accepted by previous lander, they have no right to change the terms of contract. 
It is requested to explain them to accept the previous policy & refund me the excess amount they charged. Their E-Mail address is XXXX OR XXXX. My loan account with Mr. cooper is XXXX, their postal address is Mr. Cooper, XXXX. XXXX XXXX, XXXX-TX-XXXX-XXXX  XXXX XXXX
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I've disputed incorrected information on my credit report. And issue have not been resolved. My understanding from my research is that incorrect information must be deleted or corrected. Due to this i will this information deleted of my credit report. Thank you
Consumer complaint received 2020-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (CA)

I have recently reviewed my credit report. I noticed that there is a late payment shown for XX/XX/2020 for the Home Depot Credit Card.

I have always taken my credit very seriously. I try to pay off my balance before the end of every month - before the due date. In fact, my current balance is {$0.00} with this account. During COVID-19 Pandemic, I was overwhelmed by obligations with family, work, home, kids, and health. It was a very difficult time. I even had to temporarily request for payment waiver ( aka forbearance ) for this Home Depot account.

I called Home Depot when I explained my situation, Home Depot  Representative, XXXX, said there was indeed a late fee Reversal on XX/XX/2020, but they could not remove the late payment from my history even though there I had forbearance on my account. 

I am not sure what is going on exactly. But I am requesting to have this late payment mark remove from my credit report. I will take full responsibility for fault for this situation but I would like to have the case reconsidered and remove the negative mark.
Consumer complaint received 2020-03-10
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: Experian Information Solutions Inc. (CA)

please remove fraudulent accounts account name : XXXX open date XX/XX/XXXX account name : debt management and collections system open date : XX/XX/XXXX account name : XXXX XXXX XXXX open date : XX/XX/XXXX account name : XXXX XXXX  open date : XX/XX/XXXX account name : XXXX XXXX XXXX open date : XX/XX/XXXX
Consumer complaint received 2020-03-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (MD)

Mid Land Credit keep calling my old employment and said they need to talk to me about a credit issue. I can't remember that old number but an ex co-worker called me to say some people were talking about it in the office. 

I am not sure of my rights but that is embarrassing and it is an XXXX XXXX. Also, if an debt is closed on your credit how can a collector start calling you? This happened with a bill that was 5 years old. Please advise with this matter. 

Thank you, XXXX XXXX
Consumer complaint received 2020-03-10
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: World Omni Financial Corp. (FL)

Back in 2013 I was a victim of identity theft. I've contact this company multiple times threw the credit bureau concerning this matter but I'm getting no where. The company continuously respond stating that this is my debt when I'm explaining that I've never had a vehicle like this with this company. Someone stole my information and apparently purchased a car, I never benefited from it in any way. I've also requested documents or anything that they have, proving that this is in fact my debt and I've received nothing.
Consumer complaint received 2023-12-28
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)

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX.
Consumer complaint received 2020-03-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

I accidentally made an over payment on XX/XX/2020. I called them right away on XX/XX/XXXX and was told they would refund the money and I would have it in 5 business days. Those days came and went. I have called every single day since XX/XX/XXXX for help on this. It takes about 27 minutes on average to reach customer service. From there they tell me they are going to speak to someone on my behalf. They put me on hold for an average of another 10 minutes. Then someone else comes on the line who has no idea what my issue is. Then they either accidentally ( wink wink ) hang up on me or they transfer me to someone else, and the merry-go-round continues. All I want to klnow is when if ever will I get a refund of my overpayment? They dont call me back ( Ive left 7 voicemails on their customer service line ) and their employees just fling my problem and request from one office to another. This has been the most horrific experience Ive ever had in my entire life with a company. It makes me physically ill that this is the company who owns my mortgage loan. When will I get the refund? I am overdrawn in my account now. When will I get communication? Its been 10 days with this issue. When will I get a call back on my 7 voicemails? When will I get someone, ANYONE, who cares about my situation??? I am at my wits end!!!!!!!!!!!!!!!!!!!!!! I am a veteran with a veteran home loan and this treatment isn't dignified for me or anyone else!!!!!!!!!!!