davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY (MI)

I had my federal tax refund added to the American Express Serve card through XXXX XXXX website. They said it was faster and easier, in addition I felt more comfortable having a card sent to me than putting my banking information on a website. I was supposed to receive the card on XX/XX/2019 however I never received it. 

I received my federal refund to my Serve account on XX/XX/2019 and called to see where my card was. At that point I was informed that I should wait longer as USPS can be delayed. I spoke to a rep for 5 min 33 sec. I called again XX/XX/XXXX and spoke to a rep for 4 min 39 sec and again was advised the card should be there, that they recommend I wait a little longer as if I requested another card it would cancel the first one if it finally came. I called again on XX/XX/XXXX and spoke to a rep and supervisor for 11 min 54 sec requesting a new card be shipped. I requested they send me a new one Express, however, they advised it would charge {$20.00} to my account for that and they had no way of waiving that. They shipped the new card out regular mail. I received the card on XX/XX/XXXX, I tried to activate it however the 4 digit security code on the front required for activation was double stamped making it impossible to see what numbers are required by their system. I called again and spoke to a rep and supervisor who tried several combinations for 25 minutes 54 seconds. They told me their was nothing they could do about it and would have to send another card out. They gave no resolution or accommodation for their system or machinery problem. I have funds I can not use because of their issues. They give no resolution to make it better. Please assist.
Consumer complaint received 2019-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Card Receivables Fund Incorporated (OH)

Unifund CCR bought junk debt for less than a couple pennies & am now harassing me non stop on the phone well after 9pm, with mail, and they even showed up at my house looking for me. They claim I owe XXXX to them, when the debt in question was a result of false charges made on my behalf from an ex. I have disputed this with all credit companies & got it properly removed from my credit report in XX/XX/XXXX. Now its XX/XX/XXXXand a company wants money from me on a debt that isnt even mine. They are trying to sue me over this false debt! Sharks
Consumer complaint received 2022-09-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (WI)

I mistakenly ordered a bed from XXXX in spring of 2021. I canceled the order within minutes and called them to verify. They laughed at me and said that the order would be shipped to my house anyway and then I could return it for free. I told them not to ship it to me and I told XXXX not to deliver it to me. The item was never shipped nor delivered to me. XXXX claimed that I received the item and had to pay over {$1000.00} to return it. XXXX would not communicate with me and they passed it off to XXXX creditXXXX XXXX  refused to communicate with me and now I have debt collectors after me. I am XXXX XXXX XXXX and have NEVER had a bad debt or even a late payment. This harassment has to stop. Please help.
Consumer complaint received 2021-03-09
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: LEXISNEXIS (FL)

I want to report that my identity has been stolen, a number of accounts had appeared in my credit, in the passed i had lost my wallet but although I reported to the police apparently someone is using my identity to open accounts in my name. An FTC report has been summited and is attach to this complaint.
Consumer complaint received 2017-07-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: VELO LAW OFFICE (MI)

The debt started with XXXX XXXX for {$610.00}. I made an agreement with them to pay {$200.00} a month. After I paid my first {$200.00} on XX/XX/XXXX they sent the debt to their attorney Velo Law. Velo law then got a judgement against me for the full amount of {$610.00}. After arguing with Velo law and XXXX XXXX for several months they continued to push me off on the other company. When I called XXXX XXXX to receive a receipt of the {$200.00} that I paid they would not give me one. They claimed they contacted the lawyer and they can do nothing else and hung up the phone on me. Once I made my final payments, I contacted XXXX XXXX to ask for a receipt of the amount I paid, they screamed, yelled and hung up on me. I believe that Velo law and XXXX XXXX are working together to receive more money from people for the original debt that is owed and splitting the difference, because I had already agreed to pay XXXX XXXX. The debt was turned over to the law office after I made my first payment. Velo went to court and got a judgement against me for {$920.00}, though I had an arrangement with XXXX XXXX to make payments. Both companies state they are working with each other and they are taking advantage of people. Velo did not contact XXXX XXXX to inform them that I made a payment onXX/XX/XXXX, they only informed them of the payment made on XX/XX/XXXX. So my credit report reflected my debt was not paid in full, when in actuality it was. I can also provide bank statements showing all payments made. Neither company was willing to send me documentation of all payments made and both hung up on me. I paid {$200.00} with check XXXX on XX/XX/XXXX I paid {$210.00} to Velo on XX/XX/XXXX I paid {$200.00} to Velo on XX/XX/XXXX I paid XXXX to Velo on XX/XX/XXXX Afterward Velo then sent a notice to garnish my wages for an additional {$380.00}. My additional debt was for a medical bill that is a non-interest bearing debt, but they are claiming that I must pay interest and their court fees. I was taken to court after I made an arrangement with XXXX XXXX to pay. In total for a {$610.00} debt I have paid {$1000.00}. Neither Velo nor XXXX XXXX would explain and both were rude, threatening and did not speak. I had a small debt, luckily but imagine someone who has a higher debt the amount of fees these two are working together to charge people. I paid the debt almost twice. This seems to be a scam and unfair. My account number is XXXX at XXXX XXXX.
Consumer complaint received 2021-07-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (MD)

My loan is being serviced by a company called The Money Source for the home I own in XXXX XXXX. Last year they paid all of my property tax payments late, resulting in {$400.00} of late fees that I was never reimbursed for. Following the late and inaccurate payments out of my escrow account, they proceeded to run an escrow analysis based off those same incorrect payments and predict an escrow shortage. Based on their prediction, they increased my mortgage payment {$300.00} a month even though I asked them to redo the analysis based on the the more updated information. They ignored that, proceeded to pay another incorrect payment out of my escrow account in the amount of {$3900.00} and now I have a balance of {$0.00} in my escrow account. When I asked them to get a refund for the incorrect payment, they asked me to call back and check on the status in 3 months. So now I am stuck with an escrow account that has no money in it and an increased month mortgage payment all because of a mistake that they refuse to take accountability for and have no urgency to fix. Their tax department is incompetent and Im so frustrated by the fact that I have no option but to be stuck with this loan servicer for the next 30 years. They have mishandled my account over and over again and there is nobody to hold them accountable but me. I am in desperate need of assistance.
Consumer complaint received 2021-03-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SIMMONS FIRST NATIONAL CORPORATION (AR)

I subscribed to a weekly food delivery service ( XXXX XXXX ). I canceled the services in the middle of XXXX in 2020 ; however, my deposit account was charged XXXX on XX/XX/2020 for food I did not receive. I tried contacting the company but their phone has been disconnected. So I called the Simmons Bank branch located in XXXX, AR on XX/XX/2020 after I realized I have been charged and filed a dispute. Simmons Bank provided me provisional credit on XX/XX/2020. On XX/XX/2020, Simmons Bank reversed the provisional credit without providing me a letter. I called their customer service number ( XXXX ) to find out why the provisional credit was reversed. I was told they can't tell me why my disputed was reversed and they will not open the dispute again.
Consumer complaint received 2021-07-22
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: AMERICAN ADVISORS GROUP (NV)

I submitted a complaint previously Complaint # XXXX. I thank you for partially assistance me with receiving funds in amount of {$110000.00}. I was quoted the amount I would receive would be {$110000.00} short {$450.00}. I also was due funds being held in the Repairs Department of AAG in the amount of {$680.00} which XXXX in the Loss Draft Department said was mailed to me on XXXX. To date I have not received that check nor any explanation of where the amount of {$450.00} was applied to. AAG received a 3 party check in amount of {$170000.00} on XXXX by XXXX Overnight Mail and I did not received my funds for 30 days. I am concerned that they applied the {$450.00} to interest that I dont owe seeing that had the funds for 30 days to pay off Reverse Mortgage.
Consumer complaint received 2021-03-09
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. (FL)

I have a very terrible situation in my life. First time I have unknown inquiries in my credit report and I do not know what to do. My friend suggested me to write to you and ask for investigation. However he told me that it takes long time, but anyway I ask you to find out what happened exactly and how I become a victim of Identity theft. I do not know these inquiries and please if you can delete them because its XXXX to have something in your credit report that is not yours u know.
Consumer complaint received 2021-03-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (MN)

I have tried multiple times since XX/XX/21 to transfer a cash balance of {$570.00} from my account with Robinhood to my personal bank account. Each time the web transfer fails. Ive messaged Robinhood multiple times with no response or a robot response that does not address my issue.
Consumer complaint received 2023-02-10
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. (NJ)

I am a natural person I am a living human being ; I have rights under 15 USC 1681. 


XXXX is govern by 15 USC 1681, and they violated my rights numerous of times. I demand the accounts the accounts listed below be removed because. 

According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX written permission to furnish these accounts. 

Accounts XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$0.00} XXXX XXXXXXXX Inquiry : XX/XX/XXXX Auto Financing Institution Information XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX
Consumer complaint received 2021-09-23
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. (MD)

Incorrect information on my Experian ( XXXX and XXXX XXXX ) credit report from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. XXXX. Report # XXXX Never opened an account with the company mountain run solution is reporting ( on XX/XX/2021 ) Report # XXXX I do not owe this company {$1100.00} Please, remove from credit report as this is not my account.
Consumer complaint received 2023-02-14
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: EQUIFAX, INC. (SC)

In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC-1681 XXXX XXXX  XXXX XXXX Acct XXXX XXXX XXXX  XXXX  XXXX Acct XXXX XXXX XXXX XXXX Acct XXXX XXXX Child XXXX XXXX XXXX. Acct # XXXX XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX  XXXX Acct XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX. Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX  XXXXXXXX XXXX Acct # XXXX XXXX  XXXX  XXXX Acct XXXX XXXX XXXX  XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX 15 USC 1681 Sect 602 A. States I have the right to privacy.

15 USC 1681 Sect 604 A. Section 2. It also states a consumer recording agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section. States no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 1681 s-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 2024-03-05
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. (TX)

TRANSUNION XXXX XXXX XXXX FRAUD VICTIM ASSISTANCE DEPARTMENT XXXX XXXX XXXX XXXX, PA XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : Collections Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : Account : XXXX Account Number : XXXX Account : XXXX  Account Number : XXXX Account : XXXX XXXX XXXX Account Number : XXXX I want to be explicitly clear with my request. I am not requesting VERIFICATION of debt ; but instead, I am requesting validation of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 

Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above mentioned accounts. If you are unable to provide me with said requirements within the generously allotted time period of 30 days, by federal law you are required to remove the accounts from my consumer reports without prejudice. Also, according to FCRA laws while investigating this matter you must remove above -mentioned account from my credit report while under investigation. 



Warm Regards, Without prejudice, all natural inalienable rights reserved
Consumer complaint received 2023-02-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc. (LA)

They are harassing me constantly. They call me every single day, multiple times a day. I have a lot of stress in my life and I know that I owed a loan to them but they do not get to harass me or people I put down as a reference, it is against the law. They continued to call and harass me even after I had spoken with them. Someone needs to do something about this company harassing people. Because it is not okay.
Consumer complaint received 2021-07-22
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: TRUIST FINANCIAL CORPORATION (VA)

I spoke directly with the consumer reporting agencies on XX/XX/2021 & XX/XX/2021 after noticing multiple new inquiries on my consumer reports and was instructed to contact the 'creditors '. After doing so, no accounts were found using my credit card number ( social security card ) but no person was willing to remove the inquiries pursuant to 15 U.S. Code 1681c2, 15 USC 6802, or otherwise.
Consumer complaint received 2021-07-22
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: Resurgent Capital Services L.P. (VA)

I spoke directly with the consumer reporting agencies on XX/XX/2021 & XX/XX/2021 after noticing multiple new inquiries on my consumer reports and was instructed to contact the 'creditors '. After doing so, no accounts were found using my credit card number ( social security card ) but no person was willing to remove the inquiries pursuant to 15 U.S. Code 1681c2, 15 USC 6802, or otherwise.
Consumer complaint received 2019-01-23
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. (AL)

I have never lived at address XXXX XXXX XXXX. I have never been evicted from this property. I have never leased a property from XXXX. 
I have never lived at XXXX XXXX XXXX. This is a fraudulent address.i have never leased a property from XXXX XXXX. There are several incorrect names on report. I have never been known as any other names except XXXX XXXX XXXX. Please remove all addresses and names not belonging to me. 
I have never lived at XXXX XXXX XXXX XXXX . I have never rented from midtown properties. This is not my account. 
I have never had an account with XXXX XXXX XXXX XXXX. This is a fraudulent account.
Consumer complaint received 2021-07-22
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. (GA)

XXXX, Equifax and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2019-07-17
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAVALRY INVESTMENTS, LLC (OH)

XX/XX/2019 - company called and left a voicemail at XXXX XXXX  on a line that explicitly states it is a shared line using my name and stating theyre a debt collector attempting to collect a debt. 

XX/XX/2019 XXXX XXXX - company calls my personal cell. I answer. First calls me by the wrong name and then corrected himself after I stated it wasnt my name. Asked if I wanted to pay on my debt that they bought from the original debtor, I told him I was considering getting an attorney, that they had left a voicemail on a shared line with explicit details thus violating the FDCPA. He said he was going to talk to his manager. Placed me on hold and then returned and said his manager stated that wasnt a violation of any kind and theyre allowed to leave those voicemails. Then continued asking me to pay on the debt. Did not attempt to resolve the issue and pretended like the FDCPA doesnt exist and theyve never heard of it.
Consumer complaint received 2019-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WINN LAW GROUP, APC (CA)

The Winn Law Firm sued me in which they told the judge that I was served. I never received the court papers I have no idea who they gave the papers to. I missed the court date.They won by default judgement. The complaint was supposed to have been mailed to me also, but who reads mail in which they have no knowledge of. My accounts was frozen, my only means of support for my son and myself. I was not on the look out for this company or the lawyers representing them because the debt was not my own. I myself and my son went without food and basic needs because of the frozen account. I had to file a response to have my accounts unfrozen. I explained my situation to the courts, because this debt had been so long ago I wasn't sure if it was mine. The debt was from 2001, so I filed an exemption but after careful research I found no record of myself applying for a XXXX Platnum Select credit card. I filed a motion to set aside due to fraud, the law firm denied my claims. I then was told by the lawyer to file a identity theft claim. I did this and they denied my claims.
Consumer complaint received 2019-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Onity Group Inc. (FL)

I was shocked when I reviewed my credit report and found 60 days late payment on the dates XX/XX/2013 to XX/XX/2013. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

The beginning of last year I received notification from this agency. I immediately called and spoke to a representative and stated I am disputing the collection. I asked for proof of validation. 2 Weeks later I received the same demand for payment letter with no validation. I then requested validation again in writing. I no longer received any form of communication from this agency. Instead they put the collection on my credit with a memo saying I dispute the collection. The address provided on my credit for the business is XXXX XXXX XXXX XXXX, XXXX, GA On X/XX/2017 I requested verification through the Credit Bureaus. I received no response so I requested again on X/XX/2017. This time the collection was removed from XXXX because the company has yet to validate this debt of {$3200.00}. On X/XX/2017 I filed a complaint with the BBB. Complaint # XXXX. This company failed to respond to the complaint. It has been well over 30 days since my last request but over a year and a half from my initial request. They have no proof of this debt. I have no contract with this company.