davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-29
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: V and H Portfolio (IN)

On XX/XX/XXXX I spoke with a woman XXXX at Vance and Huffman in regards to a debt owed on apparently 2 accounts. One of them XXXX could not give me any information into what this debt was only the name XXXX, I explained to XXXX I would like to dispute this charge because I have no idea what it is or who XXXX  is. The next payment I was told was from XXXX and I owed XXXX dollars from the now-closed XXXX. 
I explained to XXXX that I am out on a leave of XXXX and have only a little income but am willing to make some form of an arrangement, That was settled and I then get a call from family members the next day that XXXX from Vance and Huffman are looking for me.They have repeatedly called the family from my sister n law my son, daughter someone in my family who lives in Kentucky! It is harassing! I called to inform them to stop on XX/XX/XXXX and when I dialed the number XXXX it rang and a woman answered and never a mention of the company it was just hello like I was calling someone home.I am not sure if this is a scam but I gave my debit card number.The woman spoke to me rudely and sharp and I just don't get it.I am a XXXX worker who works on a XXXX XXXX and I am tired, stressed and worn out and I do not deserve this kind of treatment
Consumer complaint received 2020-09-29
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 have inquiries on my credit report that I did not apply for or authorize. 

The only inquiry that is valid is XXXX XXXX for my car lease. 

Please remove all other hard inquiries.
Consumer complaint received 2016-10-07
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (MO)

This complaint is about both American Express and XXXX. I have reward points with American Express for using its credit card. XXXX accepts these reward points as payment for its goods. However, the check out and payment pages of XXXX do not DISCLOSE that {$1.00} used to pay for XXXX goods is equivalent to XXXX reward points. Instead, it simply states that a customer has $ xx available without disclosing the number of points that the dollar amount will use up. As a result of this lack of TRANSPARENCY, we used all our XXXX points. In contrast, to pay for travel through American Express, {$1.00} is equivalent to XXXX points. No economically rational agent would take XXXX 's exchange ratio over American Express 's exchange ratio if she or he knew about the different ratios and was given full disclosure of information in the transaction. Commutative justice demands FULL DISCLOSURE of all relevant information in business and financial transactions. I called XXXX but the " leaders '' were unhelpful and intransigent. The company must be compelled to be more transparent in getting customers to use American Express points to pay for XXXX purchases. American Express should be more vigilent with its partners to ensure that its own customers are not duped in this way.
Consumer complaint received 2022-11-07
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. (WA)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-09-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

2013 I opened 2 separate secured accounts one for XXXX and the other for XXXX. Due to financial hardship, I default on both accounts. The money I've deposited for the secured accounts should cover the amount default. The collection company is trying to get me to pay on a debt that is already paid in full. I called and explained the situation and I'm not getting anywhere. They don't have records of my secured deposits but they do understand that they were both secured accounts, meaning that the deposits made secure the default amounts
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is all new to me I have not lived at the addresses listed on my credit report. I had my ID stolen in XXXX and I was compromised again when I moved to XXXX XXXX. The following addresses are unknown please delete : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT XXXX, XXXX, OH XXXX My name and current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX I have never had this many numbers in my life please delete them : ( 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 2022-11-07
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: Affirm Holdings, Inc (NV)

I do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? whe was last activity of the acount? if this was charged off then there needs to be a cancellation of debt XXXX, you can not collect on debt that has been charged off i need accurate data points NOT REPORTING ACCURATELY ACROSS ALL BUREAUS please remove I have been XXXX XXXX XXXX  for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy 15usc i1681i Affirm Inc Affirm Inc ( Installment ) Accounts - negative accounts - Summary XXXX XXXX XXXX Last Updated XXXX, XXXX Payment Status Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department Worst Delinquency Charge Off/Other Derog Balance {$1300.00} Credit Limit XXXX PAYMENT HISTORY XXXX XXXX XXXX Open Date XXXX, XXXX XXXX Activity Terms 39 Months Scheduled Payment High Balance {$1600.00} Loan Type Other Responsibility Individual Company Name Affirm Inc Account XXXX XXXX Comments Account Previously In Dispute XXXX Now Resolved - Reported By Subscriber
Consumer complaint received 2020-09-25
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. (LA)

I pull my Equifax credit report and saw that my report had errors on it from this particular account. Showing High balance is lower than owed balance, high balance is showing {$7600.00} and owed balance is showing {$9600.00} please removed this immediately from my report. 

XXXX & XXXX Account number XXXX High balance : {$7600.00} Owed balance : {$9600.00}
Consumer complaint received 2020-09-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Jon Barry and Associates, Inc. (TN)

This company Paragon Revenue Group keeps calling my phone and will not tell me what they are calling about, asking fir a male whom I do not know. They do not care what day it is or what time it is they consistently call 5 and 6 times a day. They cuss they claim I'm lying and it's ridiculous. Ultimately they hang up on me and it starts all over again the very next day.
Consumer complaint received 2020-06-19
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. (TX)

XXXX XXXX representing XXXX XXXX has promised via mail that they would report a XXXX ( {$0.00} ) balance to all credit bureaus concerning my previous XXXX XXXX account. This has not happen as of yet. I was a responsible consumer and have paid my obligation. Yet, I have been dealing with the problem for two ( 3 ) years with a lot of run around and no resolution. Please see supporting documentation as proof.
Consumer complaint received 2023-01-06
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. (NJ)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE 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 2024-04-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (VA)

This is not the first time I'm complaining about this same issue. I logged a complaint last year too with CFPB ( Ref # XXXX ) for the same exact thing. DO NOT disburse money from my Escrow Account irresponsibly to pay my home Insurance premium when its ACTIVE and hasn't past the due date yet. 

Knowing that there are irresponsible and bad actors at Wells Fargo, which lead to the largest scandal in recent times and the resignation of XXXX XXXX, I specifically took the time off from my work and made the call ( waiting on the line for my turn ) and placed a hold on my Escrow account to NOT make any payments to my Home Insurance, it was still done! 

Worse yet, when I spoke to the person over the phone this year ( XXXX ), I got the exact same response as I received last year ( XXXX ) for this same problem which only proves that fact that its a very common occurrence at the bank and all your agents have been trained to respond in a similar way. 

Now this is what I need from you ( Wells Fargo ). Since we've been here before already and this has happened again, which totally prove the point that you have NOT taken any responsibility or have put a check in place to STOP the occurrence of the issue. What are my options now as a Customer? 

What are you willing to do to set things right in a way that settles this issue? 

If not, then where can I go next to ensure that you are held accountable not just for huge XXXX XXXX fraud scandals, but also for ( comparatively ) smaller issues that cause havoc in the life of a powerless, voiceless naive customer like me?
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (PA)

Name : XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : State Identification ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX PA XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : Bank XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : Bank XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX KY ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX KY ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXXXXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXXXXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. XXXX a victim of identity theft and I dont recognize these accounts on my report. XXXX requesting the following information be deleted from my XXXX XXXX XXXX report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank (TX)

I applied for a credit card from synovus bank in XXXX. I received the card and paid the processing fee. I had the card three months and by XXXX, i get notifications that the card was charged off as bad debt. Now, I did not make any payments towards this card. However, an account is supposed to charge off at 180 days of delinquency. Not only did did the account charge off early, but the bank sold the debt to a debt buyer. I believe that this is a fraudulent practice.
Consumer complaint received 2015-04-16
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ENCORE CAPITAL GROUP INC. (MI)

This XXXX i receieved XXXX phone calls from seperate numbers [ ( XXXX ) XXXX, ( XXXX ) XXXX ) ] and seperate people claiming to represent a company called Legal Recovery Solutions. They had previously called my mother and sister before getting in contact with meThey opened the conversaation by asking me to confirm my identity and went as far as telling me the last XXXX didgts on my SSN #. ( which they also provided to my family in a voicemail when they previously called ) they then starting talking about a debt i owe from years ago to " XXXX XXXX ' XXXX '', which is a legitimate debt. 

At this point theyre telling me that i owe roughly {$930.00} and must pay it in full immediately or they will file paperwork to issue a warrant and have me arrested due to " their client '' pressing charges on me for a couple different types of fraud. I questioned him about the legitimacy of what he was telling me and he got extremely defensive and kept insisting that i would be charged with felonies if i did not pay. he also refused to identify his client when i asked who was pressing the charges since he had told me that the original debt collection agency that got my account from XXXX XXXX XXXX had turned over my debt to someone else, and that that new agency, whom he is referring to as his client, is the XXXX pressing charges if not paid.
Consumer complaint received 2024-04-18
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: DISCOVER BANK (NJ)

XXXX XXXX was pay for delete. Discover was pay for delete. XXXX XXXX XXXX account information is not correct. There are things hurting my credit and report.
Consumer complaint received 2020-09-29
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. (IL)

I am requesting that you immediately delete information off of my credit report that isnt mine. I do not know how these items ended upon my credit report, but I never signed for. I dont know who gave you this information!
Consumer complaint received 2024-02-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FREEDOM FINANCIAL NETWORK (IL)

On XX/XX/2023, I sent a letter to XXXX XXXX XXXX asking for verification of the debt. The letter was sent by certified mail. I received the signed card back, but NO proof of the debt is owed by me. They continue to report on my credit. I have never had an account with this company. 

Under the Fair Debt Collection Praction Acrt 15 USC 1692g Sec. 809 ( a ) and ( b ). They had XXXX  days to supply the information and have not.
Consumer complaint received 2024-02-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TapTap Send Inc. (NC)

I made a transfer of $ XXXX {$410000.00} XXXX  to a family member on XX/XX/year>, within 15 minutes I realized that I made a mistake with the account that the transfer was to come out from. I immediately contacted the help number and requested that the transfer be cancelled. The agent XXXX assured me that transfer would be cancelled, and my request would be escalated. The following day I reached out and spoke to another agent XXXX, who echoed what XXXX said. However at this point, {$410000.00} XXXX had been taken out of my family member 's account and the transfer had not been cancelled as originally requested. Seeing that they had taken the amount, I then requested a refund. I spoke to a third agent XXXX and she gave me no tangible explanation as to a solution. I have called several times and received an email from yet another agent XXXX, on XX/XX/year>, stating that they would issue me a refund. Till this date of XX/XX/year>, I have yet to receive said refund.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.