davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-30
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Consumer Solutions Group (MI)

XXXX XXXX from Consumer Solutions Group has left me repeated voicemails and when I spoke with him during XX/XX/2019, he told me he was calling from the Garnishment Department. I was extremely alarmed at first and made payment arrangements under duress that I can not afford due to his statement. And before that, he made the statement that he would inform them that we couldnt come to an agreement ; Im still not sure who them is. I was trying to explain to him my situation and Im on the verge of bankruptcy, to which he replied that pay day loans cant be claimed in bankruptcy, which is false. I soon realized that he is not calling from a court of law. I admit that I became angry with him, yelled and hung up on him, because it irritates me to no end that he was lying to me. I told him the third time I spoke with him that I was speaking with an attorney. He also wouldnt give me the address of the debt collection company ( I asked more than once ), but finally gave me the website and told me to look it up and get the address from there and see that they are a legitimate company and told me to have my attorney to contact him. I have been considering bankruptcy for a while and in fact did visit with an attorney a while back and I qualify to file, but didnt have enough money for that attorney at the time. I decided to go forward with the bankruptcy and contact an attorney, which I still cant afford, but feel I have to, because of his comment about working in the garnishment Department and the threat I felt when he said it, because I can not afford a garnishment, which now has me worried, because are they suing me or not? Also, when I asked to be mailed confirmation of this debt ( I asked more than once ) he wouldnt do it and I still havent received anything in the mail.
Consumer complaint received 2022-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

On XX/XX/XXXX, I contacted PHH mortgage to notify them that I had paid XXXX 's property tax, and request them to de-escrow my mortgage account. 
On XX/XX/XXXX, they decided to send in the payment to our country 's tax office ( according to their email communication, they shall not send the payment until about a week before the final due date ( XXXX XXXX, XXXX ) ). 
They also asked to submit a de-escrow request via mail. They claimed they initiated a request for a refund from the XXXX country 's property tax office. 
In the past three months, I have followed up with them several times. They always say they just sent in the refund request and asked me to wait for their follow-up, which never happened.
Consumer complaint received 2019-03-30
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)

There is a report on my credit report by XXXX XXXX  it was a PRE PAID credit card. They did not open the account until they took my money in full and after send a card with the amount available. They closed my account and are reporting on the credit report as a revolving account and as a charge off. Which is incorrect information since they had the completed balance amount in full upfront and they are a pre paid credit card. I requested both that all the credit reporting agencies and the actual credit company to correct this information and remove this incorrect information from my credit report to no avail. I need help rectifying this issue.
Consumer complaint received 2019-04-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. ()

Respected Sir, Date : XX/XX/XXXX I am XXXX, working as a XXXX XXXX and currently living in XXXX, XXXX XXXX. I have lived in USA from XXXX XXXX XX/XX/XXXX on a working VISA in XXXX, Ohio. I have opened a Chase Bank account during that period and used to transfer Money to XXXX from XXXX using XXXX XXXX as a third-party service. XXXX XXXX will get money from my XXXX account and transfer it to my XXXX Account. I had done this couple of times and never had any issue till I was in USA. 
After XX/XX/XXXX, I had to go back to XXXX and live there since then. On XX/XX/XXXX, I had transferred XXXX dollars to my XXXX account from XXXX with the help of XXXX XXXX XXXX. But on the same day XXXX XXXX declined the transaction saying that they did nt receive money from XXXX ( XXXX XXXX : XXXX : XXXX ). As a result, I had no deposit into my XXXX Account. But XXXX has deducted XXXX dollars from my money claiming that it had transferred money to XXXX XXXX. 
I had called several times to XXXX asking for my money to refund and had opened a Claim regarding this issue on XX/XX/XXXX. ( Claim Number : XXXX ). Entire communication was in emails or over the phone calls as I had no option to talk to the XXXX Branch as I was living in XXXX. 
There was no action taken for that claim and my on-line account was also blocked later. I could nt even open my on-line account and do any transaction. I had an impression that I could come back to USA on work VISA and could resolve this issue by talking to Chase directly. But unfortunately, I could not go to USA since then and the issue was not resolved. 
Lately with the help of a friend living in USA, I could unlock my online account able to do online transactions. I have contacted XXXX again on XX/XX/XXXX, by an email/Phone calls regarding the Claim opened in XXXX, but have not received any response. I finally tried to enquire about the Claim by talking to a XXXX manager with the help of my friend living in XXXX. The Manager was not able to view any information about the claim and has escalated this issue to Claims department. After 2 days, Claims customer service could reach me over the phone. I have explained what has happened so far and gave the Claim number for reference asking them to refund my money. They were not able to trace my Claim as it was 3 yrs old from now and it was closed with no action. When my friend reached the Bank Manager again on this issue, we were told that XXXX can not do anything in this regard and I am supposed lose my XXXX dollars. 
Just because XXXX can not trace a Claim that is older than 2 years, am I supposed to lose my money?
Consumer complaint received 2023-03-27
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LoanCare, LLC (FL)

I am filing a complaint against LoanCare regarding an account that has been under dispute since XX/XX/XXXX. I have sent indirect disputes to the credit bureaus and a direct dispute to the creditor. Unfortunately, I have not received any response from LoanCare. I have attempted to dispute the account three times, with the most recent attempt being on XX/XX/XXXX. Each time, I did not receive a response. 

My dispute pertains to an inaccurate 30-day late payment that was reported in XX/XX/XXXX and XX/XX/XXXX. I had previously spoken with a LoanCare representative about an overpayment issue on this account. The representative confirmed that my account would be taken out of auto-pay to apply the excess payments and would automatically resume afterwards. 

However, due to an apparent error by LoanCare, the XX/XX/XXXX and XX/XX/XXXX payments were reported as 30 days late. I strongly believe that this was a mistake made by LoanCare and that these errors are negatively affecting my ability to qualify for new lines of credit.
Consumer complaint received 2019-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (PA)

I need my credit report to be accurate and up to date. I found a few things that are not correct on my file. My name is XXXX XXXX XXXX please remove any other variation of my name. My current and only employer is XXXX please remove all others. My current and only address is XXXX XXXX XXXX, XXXX, PA XXXX. This is the second time I have requested the deletion of these numbers the are not mines. 
( 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 2019-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (PA)

I need my credit report to be accurate and up to date. I found a few things that are not correct on my file. My name is XXXX XXXX XXXX please remove any other variation of my name. My current and only employer is XXXX  please remove all others. My current and only address is XXXX XXXX XXXX, XXXX, PA XXXX. This is the second time I have requested the deletion of these numbers the are not mines. 
( 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 2018-09-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

It started when someone asked me to use XXXX through wells Fargo, they asked me to send money to them this happen in XXXX it was for a sum of XXXX now wells Fargo said they can not refund my money it was fraud, they allow people to open accounts with no papers and then go into overdraft, I have tried to resolve this, they say they can not help me, I want my money back, plus I had another instance XXXX they will not reimburse this is bad on their part they are supposed to help customers with problems and scam not go against them and not refund money, this is a bad practice they are allowing illegal people to scam people then open accounts take your money then the bank can not refund you, this is wrong, I want someone to handle this, I just had XXXX lost money and this is the way the bank treats customers
Consumer complaint received 2019-01-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc. (GA)

I was contacted in XXXX by Amsher Debt Collection in XXXX Alabama regarding a past due bill of {$130.00} owed to XXXX XXXX XXXX. I had recently ( XX/XX/XXXX ) paid the bill IN FULL to XXXX XXXX XXXX and had the receipt in the exact amount to prove it. 

The Amsher representative told me I had to email the proof to her or it would be reported on my credit report. I did. Then, in XXXX, I received notification from my credit monitoring company that Amsher reported me as unpaid in collections. I contacted Amsher again, they said the debt was valid. 

I contacted XXXX XXXX XXXX. They confirmed the debt was paid. This has been going on for 4 months. As recently as TODAY I sent another demand to Amsher asking them to remove it the false collection account from my credit report. No response. 

XXXX XXXX XXXX has confirmed for me on several occasions since then that the debt is paid, I owe nothing, and that they have notified Amsher, yet no one from Amsher has contacted me at all, and the debt remains as a collection on my credit report.
Consumer complaint received 2023-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I XXXX XXXX, have been disputing inquiries that are fraudulent on my XXXX and Transunion credit report that they fail to open investigations on and notify me of the dispute status and the results. This is my last CFPB follow up before I attempt to litigate these accounts and sue in Federal Court for the wrongdoings of these credit bureaus they believe that they are above the law! and can have no regard for my consumer rights! These inquiries must be removed from my XXXX credit report XXXX XX/XX/XXXXXXXX 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  They have failed to answer how they verified the accuracy of these inquiries as I never had any dealings with these companies regarding credit transactions. So this is my last dispute with the CFPB before I have to escalate matters.
Consumer complaint received 2023-01-11
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. (FL)

I accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-26
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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-07-25
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. (LA)

This is my 6th try to inform you that I am a victim of identity theft and I complain to question particular records in my document coming about because of some negligence. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or permissioned. Assuming no one cares either way, block the noteworthy of any information in my credit file that appeared due to alleged fraud. XXXX XXXX XXXX Balance : {$0.00} ; US SM BUS ADMIN ODA - Inquiry Date : XX/XX/2020 ; XXXX - Inquiry Date : XX/XX/2020 ; XXXX - Inquiry Date : XX/XX/2020
Consumer complaint received 2019-01-08
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. (GA)

I have submitted several dispute letters and a FTC form to the credit agencies with regards to the following accounts below. To date, the credit agencies has not responded to my complaint that notifies them that these accounts was opened as a result of identity theft. 

XXXX XXXX/XXXX XXXX - Opened XX/XX/2018 The following Inquiries was not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-03-08
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. (NV)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2020-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (TX)

I have had my account with Citi since XX/XX/XXXX. I had a {$XXXX} limit. I used the card sparingly for travel or small purchases. i always paid my card on time and never approached my limit. I had not used the card for a period of time. In XXXX of XXXX, This was split into two purchases of approximately {$1900.00} each at the start and finish of a car repair. On XX/XX/XXXX I was notified my limit had been reduced to just over my balance. I contacted them for an explanation and request to return my limit to it's original limit. They refuses and advised I could ask for a review in 6 months. This has damaged my credit score since, going from XXXX in XXXX to XXXX in XXXX. due to the lack of available balance. Today ( XX/XX/XXXX ) they again reduced my limit to just {$60.00} above my current balance. I anticipate this will have the same affect again, and cause my score to be reduced. I contacted them again today and was provided the same response as before, which was 'due to credit report and other factors ', I closed the account as a result. This type of activity has directly damaged my credit and practices like this are unfair and border on abusive, especially during such a difficult time ( COVID ). I pay nearly 2x my monthly payment split bi-weekly when paid. Thank you for reviewing my complaint.
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I downloaded XXXX XXXX yesterday for the first time and I noticed I had several accounts that did not belong to me. So, I decided to pull my report and noticed several accounts that are not mine. CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00} XXXX XXXX XXXX {$650.00} XXXX XXXX  XXXX {$360.00} XXXX   XXXX {$180.00} XXXX XXXX XXXX {$290.00}
Consumer complaint received 2021-04-12
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. (OR)

Dear Experian, XXXX, XXXX, Dear Credit Reporting Agency ( Experian, XXXX, or XXXX  XXXX, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX. 

As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-04-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nations Recovery Center (PA)

XXXX XXXX at extension XXXX called my work the phone was answered by another associate who reported he was rude and asked why she was afraid to tell him her name. The associate repeatedly told him that he was not allowed to call my employer he pressed the issue until my manager got involved. I am not 100 percent sure if this is about a credit card I have been harassed for 15 years for a debt I don't know of. I have been in good standing with my bills for 15 years and I have had numerous calls from numerous sources none of which can tell me who the original owner of the debt is.
Consumer complaint received 2018-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

these are all, unathorozed inquires on, my credit report and are due to identy theft XXXX XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX
Consumer complaint received 2022-11-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Mercari, Inc. (KY)

On XX/XX/2022 wanted to order some books for {$9.00} XXXX due to my XXXX and being on a fixed income in unable to pay until the XXXX of the month. So I chose the option to pay later and never heard anything elelse.
Consumer complaint received 2021-12-29
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. (CA)

This is XXXX XXXX who is submitting this CFPB complaint myself. The Transunion Credit Bureau is reporting inaccurate information on the accounts below ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX )