davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY (FL)

Clarification. This complaint process forced me to select from 1 or 3 options regarding my issue ... but NONE of the options actually reflect my issue. I discovered that for a " period of time '' in XX/XX/2017, transactions appeared on my billing statement, but DO NOT appear in the online transaction details that I downloaded! And I've attached documentation regarding this. I explained this to American Express and they said that they can only see my statement - NOT the transactions details that I can see and download online. This is very, very strange to me. And to be clear, this discrepancy ONLY exists for a short window of time in XX/XX/2017. I've attached transaction details, downloaded directly from americanexpress.com and you'll notice NO TRANSACTIONS between XX/XX/2017 and XX/XX/2017. However, I've attached my American Express statements for this period and you can CLEARLY SEE transactions. I can't get American Express to explain or resolve this ... ..
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I retrieved a copy of my personal credit report and saw that a bankruptcy had been reported across all three major credit bureaus. 

I contacted the US. Bankruptcy Court to investigate this information and to verify who they report information to. 

The Bankruptcy court responded saying that they do not report information to any credit bureaus. 

I contacted all three bureaus and enclosed a copy of the correspondence that I received and requested that the inaccurate information on my report be removed immediately. 

I received no response from any credit bureau in regards to this.
Consumer complaint received 2021-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (MN)

I have a bank Credit card with USbank and have had it for awhile now. Every month I pay on the card for previous months purchases. I have been calling them and finding out that as soon as I pay my card they are allowing purchases to go through on my card. Purchases I dont authorize. I only have 3 things that I want to use this card for. But I cant because I find out every month that its being used elsewhere. I am continuing to try to get them to stop the charges that I dont authorize. But they continue to allow them monthly.
Consumer complaint received 2018-12-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Guglielmo and Associates (AZ)

XX/XX/XXXX I was notified by the XXXX XXXX XXXX  courts and Guglielmo & Associates that my wages are going to be garnished through my employer. On XX/XX/XXXX Guglielmo & Associates and XXXX XXXX XXXX Courts sent a letter of garnishment starting XX/XX/XXXX. Garnishments were taking out of my pay from my employer of {$510.00} totaling {$1200.00}. all payments were made.

Guglielmo & Associates and XXXX XXXXt XXXX  Courts sent another notification of yet more garnishment of {$240.00} and again on XX/XX/XXXXfor {$240.00}.

I contacted Guglielmo & Associates and the stated that they never received the money from my garnishment.

When looking into my credit report the debt is still listing on my record as unpaid resulting in a low credit score and causing any loan at a higher rate due to this old debt.

My employer contacted XXXX  who handles our payroll and they have copies of the cashed checks proof that Guglielmo & Associates cared the check and never informed XXXX XXXX and creditor, credit one that the payment was made. Im still receiving the upsetting legal notices from Guglielmo & Associates and XXXX XXXX XXXX and my credit score is still being affected.
Consumer complaint received 2023-09-18
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: Experian Information Solutions Inc. (NJ)

Credit bureau furnishings inaccurate information about XXXX account. I submitted a written request for reinvestigation. I requested they provide me with the notice of determination containing the reason and information required to investigate the disputed information. The business name, business address, and telephone number that was used in connection with this investigation. As well as a description of the procedure used to investigate IN WRITING via mail. Otherwise, they delete this misleading information, notify the furnisher, and update my credit report. I was denied the information I requested and instead they sent it to their dispute center online and the inaccuracies remained. It is my right as a consumer to have them properly investigate and provide me with the information I am requesting and I believe they are not abiding by the laws set forth to protect me.
Consumer complaint received 2022-04-15
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

XXXX, XXXX XXXX XXXX report 3 different and conflicting statuses of the " Foreclosure " willfully and knowingly obtained under fraudulent and criminal acts. Reporting status of Foreclosure, Foreclosure Redeemed , & Credit Grantor reclaimed collateral to settle defaulted mortgage. " Foreclosure Redeemed '' by legal definition reads that the homeowner was able to pay in full all cost accrued including back payments after the home was sold in the Foreclosure sale during a redemption period and has the legal right to live in the home. I have attached snap shots of the 3 different reports. The lack of consistency sends up red flags in the validity. USAA has been fined {$140.00} XXXX XXXX  due to violations in banking practices. 

Many of my Civil Rights have been violated due to criminal acts and cover ups. Acts supported by, documentation fraud, transaction fraud via fraudulent account numbers, wire transfers, altering loan numbers and VA Case numbers and the like. Illegal searches and seasure, of my property, and cruel and unusual punishment for USAA 's incompetent lending practices.
Consumer complaint received 2023-06-08
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. (NY)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : 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 2024-01-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (CA)

I sent payment of {$10000.00} certified mail to this company. It was received on XX/XX/year>. I was awakened to an early morning phone call by agent who told me they refuse to accept my payment. She then tried to intimidate me and defame me in saying she would report negative remarks and comments on my credit report and put me in collections. Accruing late charges and fees.
Consumer complaint received 2023-04-07
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. (NY)

I

appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 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 EXPERIAN 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 2022-04-15
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. 
The Following Account has violated my Rights Everything has to be 100 % accurate on my Credit Report. 

XXXX XXXX XXXX XXXX XXXX Account : XXXX. 

15 USC 1681 Section 602A. States I have the right to privacy.

15 USC 1681 Section 604A section 2 : It statesa consumer reporting agency can not firnish an account without my written instructions. 
I submitted a complaint with the XXXX  and the Attorney Generals Office. The Collection Agency is volating my rights and costing me dearly.
Consumer complaint received 2023-12-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC. (MI)

Apparently someone got a credit card in my name in XXXX of 2006, i was completely unaware of this until recently when a letter was sent to my parents house. why they waited 17 years to inform me is just insane and why the letter was sent to my parents i have no idea but they have been garnishing my wages for over a year. i knew about the garnishment but just assumed it was for a XXXX bill i owe so i didnt question it. They have already taken almost {$3000.00} from me. i want this garnishment stopped and my money back and i want to know what address the card was sent to and where the bills were sent to and what was purchased and where from also. i am struggling right now and my car needs to be fixed so i can keep my job and i have no extra money because they are taking it from me.
Consumer complaint received 2022-04-15
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. (PA)

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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (AZ)

I am trying to remove my primary mortgage insurance from my conventional mortgage. I am current on payments, been paying for over 2 years as the law requires. I contacted the company via email on XX/XX/22 to find out what appraisal company I needed to use to remove it. I have not received any response. When I call them, they say the mortgage insurance dept can only be contacted by email, and they do not have a phone number. 

I called again today, and they said they sent a letter on XX/XX/XXXX but I did not receive it. The letter said I was partially denied, and I needed to get an appraisal done by a company of their choosing, but they did not tell me what company and can not be contacted. The customer service person on the phone said I have to email them again and wait more months for a response. 

I am paying {$61.00} a month when I don't have to, and this company is collecting this money in breach of the law.
Consumer complaint received 2024-03-08
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. (TX)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2022-04-15
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: TD BANK US HOLDING COMPANY (NY)

I did not open this account I do have another account with this company they opened the account by themselves with a different address so I never got invoices and wasnt able to pay the bills now Im late 120 days
Consumer complaint received 2019-07-07
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. (MD)

My dispute is with Transunion Credit Bureau. After one single accidental maximum delinquency of greater than 60 days, my credit score is falling recurrently every month despite payment made in full to the creditor. 

I anticipated a steep drop in my credit score over 1 month since it was a single account delinquency that was paid in full. Transunion Credit Bureau has recurrently dropped my credit score despite complete payment. I have no outstanding debt to justify a recurrent monthly drop in credit score. 

I received an investigation report from Transunion Credit Bureau on the XXXX XX/XX/2019 - File Number XXXX. The company did not solve the issue and my credit score has dropped to almost poor from near excellent despite complete payment. 

Transunion Credit Bureau has no basis to drop my score every month. I have no outstanding debts with any creditor.
Consumer complaint received 2022-04-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (DE)

My Mortgage has been paid in full since XX/XX/2022 Select Portfolio Servicing Inc. ( SPS ) legally has to complete the RELEASE OF ALL LIEN ( s ) AND SATISFACTION OF LIEN RELEASE WITHIN THIRTY ( 30 ) DAYS OF THE PROPERTY BEING PAID IN FULL!

I have waited the legal Thirty ( 30 ) days required by the State of Delaware and State of Maryland. 

I now want a full release of the lien ( s ), satisfaction of lien ( s ) release and full confirmation that my property is free and clear with the XXXX XXXX of Delaware - Recorder of Deeds office. 

This has gone on way to long and I will not wait another day to have this completed as it only takes a couple of minutes for Select Portfolio Servicing Inc. ( SPS ) to get this done with the State of Delaware and XXXX XXXX in Delaware.
Consumer complaint received 2020-02-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OH)

Lvnv Funding LLC tried to collect on a debt that wasn't mine. I had to take them to civialm court. The debt was dismissed in court as not mine. They are still reporting on my credit reports.
Consumer complaint received 2022-10-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (IN)

On XX/XX/2020, at approximately XXXXXXXX XXXX I applied online for an apartment.. I received and email at XXXX with information to access my application and a link to complete the application. I also received an email stating " almost done! '' at XXXX XXXX. At XXXX, I got an email saying, XXXX XXXX. At the same time I received an email stating XXXX will review my completed application soon. At XXXX the same day, I received an email stating " others on the application that will need to complete their application before the application can proceed. '' At that same time, I received another email stating, " oh, so close. '' " Remember, just because you have completed the application does not mean that you are finished with the leasing process. We still need to get your lease finalized. '' I did not do anything from that point on and chose to apply for a different apartment in XXXX. I applied got approved, and then, signed a lease with them. I have never XXXX did I complete the process -- as their email verifies. I am in collections because of, misleading practices. I am not unique to this deceptive practice. I saw the same complaint with the BBB after being contacted by a collection agency. They are taking advantage of college students who are looking for housing and weighing their options. We did not come to an agreement nor a meeting of the minds. I applied for an apartment but never completed the process, nor did a co-signer sign on my behalf, which was required. 

On XX/XX/2020, at XXXX, I received an email stating, " We hope you're excited as we are for Move-in Day! This was a surprise to me because I did not complete the process. I had already secured an apartment. I called to let them know I was not going to lease from them and did not complete the process. I was told I signed the lease when I applied for the unit and that I needed to find someone to lease the unit. I was not in agreement I have emails that support my statements.
Consumer complaint received 2022-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NE)

On XX/XX/2022, I was notified by bank of america email that some suspicious activity was on my visa credit card. My card was placed on hold that same day ( unable to be used, and unable to view account on-line ). 
I contacted bank of america fraud department XXXX on XX/XX/2022 and with them determined some XXXX XXXX charges from a state in which I do not live were fraudulent. That {$68.00} fraudulent XXXX XXXX charges were removed from my account on XX/XX/2022. 
B of A then cancelled that credit card and issued me a new one, mailing it on XX/XX/2022. I have not received the new card yet. 
On XX/XX/2022, I noticed a {$3000.00} ACH PAYMENT REFUND charge on the same account, but I ( or any bank of mine ) was NOT the recipient of that money. 
Side note - bank of america accepted my recent XX/XX/2022 payment from a valid bank account of mine, so it should have been easy for them to confirm the {$3000.00} ACH PAYMENT REFUND was going to the correct account, but they obviously did not. 
On XX/XX/2022, I called and spoke with more than 6 people at B of A trying to resolve the fraudulent ACH PAYMENT REFUND. I just keep getting placed on hold and talking to different people - fraud, account services, back to fraud, etc. The last person I spoke with said I'd have to go do a bank of america location in person ( nearest location is over hour away ) and show 2 forms of ID to lift restrictions on my account. They won't even discuss any more with me unless I do that. 
Just wanting that fraudulent {$3000.00} ACH PAYMENT REFUND removed from my account, as it did not go to me or any bank account of mine.
Consumer complaint received 2023-12-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Unifin Inc. (GA)

XXXX XXXX sold a bad debt to Unifin , Inc. Unifin Reference Number is XXXX. I have never signed a contract with either company for any service. Because they don't have an original copy of a contract with my original signature showing that I made an agreement with their companies, they must remove any and all of this incorrect information from my credit report immediately.
Consumer complaint received 2020-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (NJ)

Hello Loan care and XXXX XXXX has incorrect information on my account that must be deleted. They have the wrong address. I need this validated. My family is suffering. Please have this company remove this account from my report. I dont understand why this is on my report
Consumer complaint received 2019-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (TX)

A debt that originated with XXXX XXXX totaling {$120.00} has been referred to the collections agency, Diversified Consultants. This unpaid debt originated in XXXX, TX occurring some time within the past 3 years and belongs to my mother. I have lived in XXXX, TX for the past 12 years and have never had any accounts with XXXX XXXX. 

This company, Diversified Consultants, has falsely reported to the credit bureaus, beginning XX/XX/2018, that the debt is mine. They have also harassed me via phone, and their false reports are negatively impacting my ability to submit for a home loan. 

I have submitted repeated reports about this false debt to the credit bureaus, but I am finding it difficult to get them to remove the debt.