davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-06
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Hillcrest Davidson & Associates (FL)

The following incident happened today at XX/XX/18. I received a call from a random number which turned out to be XXXX XXXX phone : XXXX, office:XXXX ext XXXX from the following debt collection agency Hillcrest Davidson & Associates XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Phone Number : XXXX Website : http : //www.hillcrestdavidson.com/. 

I tried my best to cooperate but from the very start he was abusive, threatening and very rude. He threatened me, made XXXX comments, hacked into my mothers number and somehow called me from her number. He also was nasty and stalked me and was threatening me with my personal information saying he knows everything and that he can use my information against me. He called and wouldnt stop even when I tried to ignore the calls he would insist and when I picked up he would harrass me and attack me. I then called the XXXX police to target and they heard my story and called XXXX but he only showed them three recorded calls when in total there was way more and I have records proving that. The police said they couldn't help me so this is why I am filing a report here. I owe no debts to any debt collection agency, He wanted to speak to my mother and was harrasing me so I can get her to contact him which at one point she did but since it did not go as he planned he made XXXX comments of her and called me with anger to harrass me for how it went. I do not know how he got my information but I was scared for my life and need help I would like to report this, sue the company any measures to stop XXXX and this company from harrasing people like they did to me. I also see that I am part of a bigger problem and want help XXXX XXXX XXXX
Consumer complaint received 2018-12-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TN)

On XX/XX/2018. I did a money transfer through Moneygram, and was denied service by an error i received on their site. The site told me to contact a Moneygram help number tel : XXXX. The help representative assisted me by asking me questions then after i answer his questions I was told that Moneygram did not feel comfortable with making my transfer and then canceled my transaction. I was also told that the service will no longer be available for me and that they had already deleted my account on the site. I had also given Moneygram all my account details for verification including my name, date of birth etc. When i asked for a reason why my account had been deleted he told me he could not disclose the reason that my account was erased that it was in the policy of the company. I cant make another account on the site using my card that did the transaction. I was able to make a transaction via a Moneygram on site location. The only service that seems to be affected is their online transaction service. I have used Moneygram for about 2 years in the past and this is the first time i have ever encountered such a fierce action against my account associated with this case.
Consumer complaint received 2018-12-06
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: MIDFIRST BANK (KY)

My mortgage servicing was purchased by MidFirst Bank, acting through it's division XXXX XXXX  and was transferred on XX/XX/2018. It is now XX/XX/2018 which is 126 days since transfer and I've made five mortgage payments ( XX/XX/XXXX-XX/XX/XXXX) to XXXX XXXX. XXXX XXXX has not reported any of these payments, or the existence of the account, to any of the three credit bureau 's and it is negatively impacting my credit score, as it shows my previous mortgage account as closed in XXXX and now appears as if I have no active mortgage account. 

I contacted customer service via phone in mid-XX/XX/XXXX and was assured that my payments and this account would be reported to the credit agencies on XX/XX/XXXX. This did not occur. 

I emailed customer service on XX/XX/XXXX and have not received a response.
Consumer complaint received 2018-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Schachter Portnoy, L.L.C. (NY)

SCHCHTER PORTNOY LLC took me to civil court for an account purchased by XXXX XXXX. The case was proven that the amount was caused by fraudulent charges with account documents and I was the one who was owed monies on this account. I agreed to close the case after counter suing for the monies owed to me on this account and was informed that this record would be removed from any credit reports. I agreed, because the case was dragging on after they continually did continuances ( hoping for a default judgement is my guess ), and signed a form saying I couldn't take legal action against them for this debt. This was all on the belief that this would be removed from my credit reports. SCHCHTER PORTNOY LLC have shown immoral acts during this time - when the summons was handed to me I was advised to ignore it and I can 'just throw it away ' by the man who handed this to me. I was recently failed an apartment application after they ran my credit report. I see this negative record still appears and believe it to be the main reason I was denied the apartment as well as paying high APR fees on the credit cards i recently obtained. 

Court : XXXX  XXXX County Civil Court Index Number : XXXX Case Name : XXXX XXXX XXXX XXXX, AS ASSIGNEE OF XXXX XXXX, FORMERLY KNOWN AS XXXX XXXX XXXX XXXX  vs. XXXX, XXXX Case Type : Civil Classification : Consumer Credit Filing Date : XX/XX/XXXX Disposition Date : XX/XX/XXXX Attorney/Firm ( s ) For Plaintiff - XXXX XXXX XXXX XXXX : SCHCHTER PORTNOY LLC Attorney Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX- ( XXXX ) XXXX ext :
Consumer complaint received 2018-12-06
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: Resurgent Capital Services L.P. (MD)

I have tried several times to let the three credit bureaus and creditors know that I am permanantly XXXX and collect XXXX benefits to live on. All three credit bureaus and creditors have gotten together to damage me and my credit. The credit bureaus and creditors refuse to remove the collection accounts from my credit reports. Causing me to have bad credit. I even got a call from a debt collectors from XXXX XXXX saying that I could be arrested if I didn't pay off the debt. But they never sent me court papers. I dont want to go to jail for money I dont have. I just want all of this to stop. I dont have the money and I want it removed from my credit reports.
Consumer complaint received 2018-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NJ)

I read an advertisement for the Chase Ink Business Preferred credit card. 
The introductory bonus is XXXX bonus points after you spend {$5.00} in purchases during the first 3 months of card ownership, and 3X points on the first {$15000.00} spent on the card. 

Chase services turned me down because they said I opened other credit card accounts this year. 

I only opened one business account that one offered XXXX points, but I offered to close that account because the Chase Ink Preferred is important to me and my business. 

All of my credit cards are in excellent standing and I maintain high bank balances in Chase and other banks. 

They advertised this card and I want to take advantage of the benefits. I'm willingto close other credit cards if necessary.
Consumer complaint received 2018-12-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

They repeatedly call me and my husband even after they've been repeatedly told to stop calling me. I've also informed them that they aren't legally allowed to collect the debt that they are trying to collect, since it is beyond the statute of limitation for being allowed to collect on the debt. I've also told them that I'm not working and don't have any money to pay them. I want them to stop contacting us, like we have repeatedly asked them to do. They call several times a day, and I've repeatedly told them to stop calling us.
Consumer complaint received 2022-02-02
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: Navient Solutions, LLC. (PA)

Hello I have recently noticed fraudulent activity on my credit reports. What I have found has lead me to believe I may be victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notifications or alerts to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX document reflecting all items that were found to be unauthorized by any such.
Consumer complaint received 2018-12-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: QC HOLDINGS INC (MO)

I got a loan for {$1200.00} and every other week they take XXXX..I made 6 payments total XXXX i called today and told me I owe more than 1000
Consumer complaint received 2022-07-21
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. (CA)

The following accounts that are reporting on my credit report are a violation of my rights. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX These accounts are not only inaccurate they are also a violation of both of the following laws. 

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
Consumer complaint received 2019-03-21
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: AmeriCollect (MI)

MY VEHICLE CONTAINING MY DRIVER LICENSE, SOCIAL SECURITY CARD, CREDIT AND DEBIT CARDS, BANK CHECK BOOKS AND XXXX AND XXXX FORMS WAS AUCTIONED OFF FOR NON PAYMENT OF STORAGE FEES. WHOEVER RECEIVED THOSE ITEMS IN MY VEHICLE DID NOT SECURE THEM OR DESTROY THEM PROPERLY RESULTING IN CHARGES THAT WERE NOT MADE BY ME SHOWING UP ON MY CREDIT CARD STATEMENTS THAT I DO NOT RECEIVE AS IT IS MAILED TO XXXX XXXX XXXX XXXX, XXXX MI. I ALERTED XXXX XXXX AND XXXX AND XXXX ABOUT UNAUTHORIZED USE OF MY CREDIT CARDS AND THEY SAID THERE IS NO NEED TO WORRY NOW THAT I REPORTED IT AS I AM LIABLE FOR AT MOST USD XXXX IF THESE WERE FRAUDULENT CHARGES NOT MADE BY ME. THE REPRESENTATIVE SAID SHE WILL GO AHEAD AND ISSUE NEW CARDS BUT THESE MUST HAVE BEEN SENT TO XXXX XXXX XXXX XXXX XXXX XXXX MI AND NOT MY HOME ADDRESS. AS THESE CHARGES WERE NOT MADE BY ME, I HAVE NO LIABILITY FOR THESE CHARGES AND THE REPORTING OF THESE DELINQUENT CHARGES SHOULD BE REMOVED FROM MY CREDIT REPORT FORTHWITH. AS WITNESSED BY THE USPS WORKER WHO WROTE OUT THE STATEMENT THAT HE POSTMARKED, THERE WERE NUMEROUS MEDICAL INSURANCE IDs FOUND IN MY PO BOX AT THE USPS IN XXXX XXXX MI AND I HAVE NEVER RODE IN AN AMBULANCE AND THE CHARGE FOR AMERICOLLECT INC  IS ORIGINALLY FROM XXXX XXXX XXXX XXXX. THIS IS OBVIOUSLY SOMEONE WHO IS USING MY INSURANCE ID CARD AND GAVE A FICTITIOUS SOCIAL SECURITY NUMBER THAT THEY MAY HAVE OBTAINED VIA THE BREACH. I HAVE NEVER RIDDEN IN AN AMBULANCE AND THESE CHARGES WERE NOT INCURRED BY ME NOR DID I RECEIVE ANY SERVICES FROM XXXX XXXX XXXX XXXX. IF I DID, I HAD GOOD INSURANCE THAT WOULD HAVE COVERED MEDICAL TRANSPORT SO THE PERSON WAS OBVIOUSLY NOT ME AS I HAD HEALTH INSURANCE THAT WOULD TAKE CARE OF THE TRANSPORT CHARGES.
Consumer complaint received 2018-04-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

In putting together it's response to complaint XXXX, Wells Fargo just sent me ( and my ex-wife, who isn't on the loan since modification and hasn't been involved in this fiasco since XX/XX/XXXX ) a letter explaining that although they hoped to have a response to me ( when in fact the response is due not to me, but to you, the CFPB ) by XX/XX/XXXX, it looks like it may take until XX/XX/XXXX. 

Given that we've caught them in quite the series of lies, that's fine. Lawsuits will wait. 

Here 's the thing : aside from the gravity of the underlying complaint, aside from their inability to put together a timely answer, and aside from the fact that they DON'T MENTION THE CFPB AT ALL, as if I'd merely called to inquire about the status of a loan application ( not shocking considering the esteem in which the hold the CFPB and the government ), the truly shocking thing is this : They sent the letter to the house from which they evicted me and my children. 

If there is any entity, individual, or consciousness ( poor choice of words on that last one ) that knows I don't live at XXXX XXXX XXXX, it is XXXX XXXX. 

There are truly, truly, no depths of ignorance and inhumanity to which WF will not sink.
Consumer complaint received 2021-11-20
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. (MN)

There was never a late payment. The name of the Company is XXXX XXXX XXXX XXXX. The company has numerous of scam issues against them. Yet XXXX, Experian, and XXXX have enable them to falsely report information. Saying that the information is verified without asking for any proof. In fact, I do not owe XXXX XXXX XXXX XXXX anything nor I was late. Please proof that I was late!
Consumer complaint received 2018-12-06
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY (NY)

American Express called my Father on XX/XX/2018 to ask about my Card that was past due. I am not a Minor, and they have no legal right to discuss my debt with my parents. The billing statement was only 2 days past due, and they were calling my relatives about my debt. The were talking to him and told him the exact amount due, and private information about my debt. I assume it is american express, but they are also calling my cell phone from various different numbers, and the voice mail is telling me to call a different number than the caller ID is coming up as. In this age, where there is so much fraud and identity theft, they should only be calling from known published numbers, not random numbers. When someone leaves a voicemail, with a computer generated pre-recorded response, telling me to call a completely different number, that in my mind is someone trying to steal my private information.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2020-12-14
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. (OH)

Hello : XXXX XXXX  keep putting this auto loan on my account. Someone stole my identity and created a fake id and went and bought a vehicle in my name. I have contacted them multiple times and they keep adding this account to my credit report. Equifax is reporting this fake account on my report. I did not authorize this, I need them to remove it from my account and stop putting it back on there. It's illegal to add false information to credit reports. 


Someone must have created a fake id and posed as me and you all keep putting this account on my credit report. I was a victim of identity theft and this account is a fraudulent account and you all keep placing it on my report. 

I have ask you all to stop placing this account on my Equifax report. You all are allowed not to lend me a auto loan but you all are violating my civil rights and I will be suing you all if you dont take this account off my Equifax credit report. I dont ever want to do business if you all dont assist people with fraudulent information and keep insisting that this account is mine. I have never had an account with you all and its illegal to keep adding fake accounts to peoples credit reports. 

Please remove this account before I contact the law and sue you all. I already submitted a identity theft affidavit and you all still wont assist me in removing this fraudulent account or I will be filing a lawsuit against you all. 

Please remove this asap. 

XXXX XXXX
Consumer complaint received 2019-03-21
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. (MI)

MY VEHICLE CONTAINING MY DRIVER LICENSE, SOCIAL SECURITY CARD, CREDIT AND DEBIT CARDS, BANK CHECK BOOKS AND XXXX AND XXXX FORMS WAS AUCTIONED OFF FOR NON PAYMENT OF STORAGE FEES. WHOEVER RECEIVED THOSE ITEMS IN MY VEHICLE DID NOT SECURE THEM OR DESTROY THEM PROPERLY RESULTING IN CHARGES THAT WERE NOT MADE BY ME SHOWING UP ON MY CREDIT CARD STATEMENTS THAT I DO NOT RECEIVE AS IT IS MAILED TO XXXX XXXX XXXX XXXX, XXXX MI. I ALERTED XXXX XXXX AND XXXX AND XXXX ABOUT UNAUTHORIZED USE OF MY CREDIT CARDS AND THEY SAID THERE IS NO NEED TO WORRY NOW THAT I REPORTED IT AS I AM LIABLE FOR AT MOST USD XXXX IF THESE WERE FRAUDULENT CHARGES NOT MADE BY ME. THE REPRESENTATIVE SAID SHE WILL GO AHEAD AND ISSUE NEW CARDS BUT THESE MUST HAVE BEEN SENT TO XXXX XXXX XXXX XXXX XXXX XXXX MI AND NOT MY HOME ADDRESS. AS THESE CHARGES WERE NOT MADE BY ME, I HAVE NO LIABILITY FOR THESE CHARGES AND THE REPORTING OF THESE DELINQUENT CHARGES SHOULD BE REMOVED FROM MY CREDIT REPORT FORTHWITH. AS WITNESSED BY THE USPS WORKER WHO WROTE OUT THE STATEMENT THAT HE POSTMARKED, THERE WERE NUMEROUS MEDICAL INSURANCE IDs FOUND IN MY XXXX XXXX AT THE USPS IN XXXX XXXX MI AND I HAVE NEVER RODE IN AN AMBULANCE AND THE CHARGE FOR XXXX XXXX IS ORIGINALLY FROM XXXX XXXX XXXX XXXX. THIS IS OBVIOUSLY SOMEONE WHO IS USING MY INSURANCE ID CARD AND GAVE A FICTITIOUS SOCIAL SECURITY NUMBER THAT THEY MAY HAVE OBTAINED VIA THE BREACH. I HAVE NEVER RIDDEN IN AN AMBULANCE AND THESE CHARGES WERE NOT INCURRED BY ME NOR DID I RECEIVE ANY SERVICES FROM XXXX XXXX XXXX XXXX. IF I DID, I HAD GOOD INSURANCE THAT WOULD HAVE COVERED MEDICAL TRANSPORT SO THE PERSON WAS OBVIOUSLY NOT ME AS I HAD HEALTH INSURANCE THAT WOULD TAKE CARE OF THE TRANSPORT CHARGES.
Consumer complaint received 2022-10-19
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. (MI)

XXXX, Transunion, and XXXX is reporting inaccurate information on my credit report, and fail to report accurate information. I contact all three credit bureaus, provided them with updated information. Still fail to remove information that was not accurate.
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX Bank ) still shows over $ XXXX when in fact the amount is XXXX and the loan was deleted per the bank executives. Experian has failed to update their own records. 
I contacted the bank and asked why they haven't sent in the info to the credit agency to which they replied they did and that it should show NO loan amount or balance on my account. Experian won't let me submit another complaint and is too lazy to update their records. Looking for a way to sue them as well since they are hurting my credit and costing me money monthly. 
Your help is appreciated. 
Thank you, XXXX XXXX
Consumer complaint received 2020-11-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY (MN)

I applied for a line of credit to finance my furniture. The products I received malfunctioned shortly thereafter, and I cancelled the order and returned the items. I no longer have an account, nor am I associated with this company in anyway.