davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-06
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 (CA)

I discovered my US Bank Credit Card was stolen in XXXX and fraudulent transactions were made on the credit card. 

On XX/XX/XXXX, I called US Bank to dispute these transactions and informed them my credit card was stolen. 

However, on XX/XX/XXXX, I receive threXXXX letters from US Bank claiming that I " benefited '' from these transactions and the following were not fraudulent, and the credits were reversed in my account for : XXXX XXXX XXXX : {$15.00} XXXX XXXXXXXX XXXX : {$14.00} XXXX XXXX  : {$16.00} I immediately called US Bank and they informed they would " look into '' the issue and contact their fraud investigation team. 

Three weeks passed and no action was taken. I called again and a representative informed me that for these three transactions specifically, they were incorrectly coded in their internal system. Rather than marking these charges for a stolen credit card, they had incorrectly marked it as for " duplicate/copied card. '' Another two weeks have passed and no action has been taken. This is extremely dissatisfying service and complete negligence on US Bank 's part.
Consumer complaint received 2017-11-28
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)

XXXX XXXX, XXXX, is the last date I wrote a letter to this credit repository to dispute how incorrectly and inaccurately several items have been reported. Particular incorrect and inaccurate payment history. I clearly informed this company what their 's and the creditor 's violations are and nothing happened. There are accounts that either shows no data or blank in the payment history. Moreover, they are reporting late payments of 60 or 90 days, but there are no prior lates?! This clearly is a violation of FCRA. Informing me that these items had been verified even though the incorrect and inaccurate information still shows. I kept copies of my previous credit report and a new and will not hesitate to get a legal counsel involve if these are not fixed.
Consumer complaint received 2017-11-28
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. (MO)

Last year I found out that I had a lot of information on my credit bureaus that wasnt mine such as collection accounts, inquiries and personal information. I found out that my information was mixed was mixed up with a different name than mine with addresses that I never lived at in Alaska, phone numbers that werent mine and several inquiries that werent mine and collection accounts. I have had most of the info removed off my Experian report, I disputed with XXXX and they removed some personal info but not all of it, they didnt remove fraudulent accounts and or inquiries after the supervisor said they would if I added a fraud report to my bureau. I cant get online to redisoute with XXXX, it keeps saying the information Im entering to verify myself doesnt match their records thats because they might have some of the wrong info. XXXX Im having problems with the inquiries and again its impossibke to get ahold of any live representatives and or online with them. These issues have caused my scores to drop over 130 points in the past year.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (DE)

I had wrong telephone numbers on my credit report removed. Don 't know how the information was entered and who entered it and would like to find out. I really have a credit report data breach on my personal information. In one of my addresses today I found my ss # exposed. Well even though, the dispute only allow you dispute if it is an apartment complex or single family. I dont know which creditor entered the info incorrect or who entered these addresses on my credit report. I really want to change my social security number and sue who ever is responsible for putting my personal info on a credit report. I would like all incorrect addresses removed from my credit report. I want to pay my creditors off sometimes I call collections and they are adding bills I dont know about. The last l was XXXX XXXX XXXX I called XXXX systems and in the credit report it said XXXX XXXX I paid more and disputed it. I just feel like this is continuing to be a major issue. According to my bank I have been on the dark web a few times. Please help with this investigation so I can move on with my life.
Consumer complaint received 2021-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2024-05-24
Product: Credit 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: GOLDMAN SACHS BANK USA (CA)

I was trying to look to online school and than the company some how it change me {$170.00} without my permission See I have apply credit and it on my XXXX wallet and I was looking at the school throw my XXXX I tried to contact the school more than one time for over weeks than I called my credit company to help me but they didnt do help me only keep dispute with out no sense why they have the right to take my money that I didnt made for it
Consumer complaint received 2018-01-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Consultants, Inc. (AZ)

Hello, My name is XXXX XXXX and I am receiving phone calls from multiple credit recovery agencies for some other persons debt. I changed my phone number to a new phone number over a month ago and now I am receiving calls regarding this persons debt. I have no debt what so ever. The most recent organization to contact me was from : Date : X/X/2018 @ XXXX XXXX XXXX XXXX XXXX Professional Recovery Consultants XXXX XXXX XXXX XXXX . XXXX XXXX, NC XXXX PH : XXXX I have registered my phone number on the DO NOT CALL list, on X/X/2018. I am receiving multiple calls from different creditors at all hours of the day, multiple times per week.
Consumer complaint received 2018-01-03
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: EQUIFAX, INC. (TX)

I am having a problem with Equifax removing a collections account from XXXX XXXX XXXX. It was removed from XXXX over 6 months ago but Equifax refuses to remove it after multiple dispute submissions. The creditor is XXXX XXXX who also said they would not hold me responsible for the account when it was made.
Consumer complaint received 2018-01-03
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: ENCORE CAPITAL GROUP INC. (MA)

XXXX XXXX XXXX , XXXX. amount is {$11000.00}. I have disputed this with XXXX XXXX XXXX , XXXX. several times and also sent XXXX XXXX XXXX , XXXX. a debt validation on XXXX XXXX, 2017. XXXX XXXX XXXX , XXXX. has not responding and also have reported me to all three credit reporting agency 's.
Consumer complaint received 2021-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (GA)

Complaint on SLS Servicing XXXX In XXXX, my lender was XXXX XXXX XXXX. I had a 1st mortgage and 2nd mortgage with XXXX XXXX. The bank was taken over in XXXX by the Federal Government. The FDIC sold XXXX XXXX to XXXX XXXX XXXX  in XX/XX/XXXX. In XXXX, I had some financial troubles and filled out a form for loan modification. In XXXX, my first mortgage was modified and the 2nd mortgage was forgiven and I was told that I never had to make another payment. I have paid my modified mortgage on time since that time. XXXX XXXX transferred servicing to SLS in XXXX and they would, periodically try to get me to pay the second mortgage. I would always dispute it and went on with my life because I knew what I was told and at that time had not made a payment in over 6 years. I filed for a refinance this month and was told by the closing attorney, per my title, that FDIC assigned my 2nd mortgage from the XXXX loan to XXXX XXXX in XX/XX/XXXX. Why would the federal government assign a loan that was forgiven to XXXX XXXX, 12 years later? The last payment made on this 2nd mortgage on XX/XX/XXXX. I was also told that XXXX XXXX  filed a subordination on XX/XX/XXXX. It really doesn't make any sense. SLS was trying to collect on this loan without success since XXXX, however, per court records did not receive an assignment until XX/XX/XXXX. I have repeatedly asked SLS for the assignment paper work for both loans and they have yet to send anything. Honestly, I think the assignment attached may be fraudulent. It reads like a scam. It is signed by a XXXX XXXX, who is not an attorney. The state and county are missing, yet they have a XXXX  XXXX. XXXX and SLS are the same company. Please help.
Consumer complaint received 2017-11-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc (CA)

My husband cancelled our gym membership on XX/XX/XXXX .We signed up as a family on a month to month basis after a year we noticed we did not use it much, he was told he had to go in the office to cancel it and that 's what he did .On XX/XX/XXXX they tried to debit his bank account and it was returned by his bank, and then they tried coming after me for payment.On XX/XX/XXXX I was told I still had an open account, so long story short I was told I owed them {$20.00} dollars and that I needed to come down to their office and terminate my account.I did that on the same day they sent me the email.I now received another notice stating that I owe {$40.00} more dollars or they wills send my account to collections.I contacted XXXX XXXX today on XX/XX/XXXX and told them I cancelled this service back on XX/XX/XXXX and was told they have not received the information.I told them I do n't owe this money and that I have paperwork of the cancellation.
Consumer complaint received 2024-04-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: DISCOVER BANK (CA)

I initiated a domestic wire transfer of {$25000.00} from my Discover Bank saving account to my recipient 's XXXXXXXX XXXX account on XX/XX/2024. Federal Tracking Number : XXXX. My recipient ( my family, a trusted person ) never gets the money so I called Discover Bank multiple times. 

On XX/XX/XXXX, a Discover Bank wire specialist confirmed that the wire was rejected by XXXXXXXX XXXX on XX/XX/XXXX. I asked Discover to request the trace of wire from XXXX to know where the money is. On the same day, my recipient also checked with XXXX and confirmed the wire was rejected on XX/XX/XXXX. XXXX claimed that XXXXXXXX XXXX sent money back, and provided my recipient with the XXXX XXXX XXXX : XXXX for tracking. 

On XX/XX/XXXX, I asked Discover to start the recall/dispute process, with all the information above provided to the Discover dispute team to investigate where the money is. 

During XXXX XXXX. I made several calls to Discover, but not a single update info was available to me. The Discover specialist told me ( XX/XX/XXXX ) that the request for trace from XXXX should be responded within 5 business days. In addition, Discover also told me ( XX/XX/XXXX ) that Discover should be hearing back from the Federal Treasury about the progress of the refund within 5 business days. They made no progress for 2 weeks or they don't want to share with me.
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Paypal Holdings, Inc (MI)

Paypal should be investigated due to their flawed scoring system that rate customers and give false information yet Paypal refused to look into it. I've included a picture. Paypal is giving false information to the Credit Bureaus that i have too many unsuccessful payments. Everything underlined in photo # 1 is a BIG LIE. I've only had 2 Pay In 4 orders with Paypal which would be 4 payments on each order and i've NEVER ordered anything using Paypal other than until i used their Pay In 4. How could i have unsucessful payments when i've NEVER missed a Paypal Pay In 4 payment. Otherwise i wouldn't have excellent credit with XXXX, XXXX, XXXXXXXX XXXX XXXX which are all Pay In 4 and Paypal is copying them with the Pay In 4. I've NEVER missed a Paypal Pay In 4 payment and the only problem there ever was is when my credit card on file had expired and i wasn't aware but as soon as i found out i immediately fixed the issue and paid with another card yet that was in 2020 and Paypal have continued for nearly a year to deny me Pay In 4 due to their flawed scoring system. I've contacted Paypal thru XXXX XXXX several times and was given the run around and sent automatic messages. Paypal have no phone numbers or any kind of way for customers to contact them.
Consumer complaint received 2021-07-07
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. (NY)

Inquires are on my credit report that I did not make. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX
Consumer complaint received 2018-01-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (OH)

I received a collection letter from XXXX XXXX stating that I owe a balance to XXXX but they never sent anything before. I sent them a debt validation letter asking for an agreement bearing my signature between me and their collection agency, proof that they are licensed to collect in Ohio, their license number and registered agent, complete payment history on this account along with an accounting of all additional charges assessed, valid copies of the debt agreement stating the amount of debt and interest charges, and also an agreement between them and the creditor that authorizes them to collect on the alleged debt. They failed to produce any of these and also sent me a letter saying the debt is valid with a summarized bill. Not to mention they also sent a preselected exclusive offer for me to get their services which doesnt make since if their claiming I owe them.
Consumer complaint received 2017-11-28
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. (NC)

This stems from an alleged amount still owed to XXXX XXXX XXXX, that went into collections. XXXX XXXX XXXX had been contacted numerous times with regards to this problem of a balance that is NOT owed. XXXX XXXX XXXX repeatedly transferred me from one department to another. One would tell me it was paid, and another would tell me they had no record of it but that it must owed because it went collections. When disputing this claim with the credit agencies, I would receive no answer from one and another would say it was legitimate. Neither XXXX, Transunion or XXXX XXXX XXXX would provide me with documentation justifying the amount allegedly owed. For the last 4+ years I have been trying to get this resolved to no avail. when I changed telephone service providers XXXX XXXX XXXX would not release the phone numbers unless the balance was paid, so needless to say any outstanding balance was paid. I believe the credit reporting agencies, Transunion and XXXX, went no further than the collection agency, XXXX XXXX XXXX, to verify the validity of the claim, when XXXX XXXX XXXX, the alleged source, should have been contacted to verify the validity of the claim.
Consumer complaint received 2017-11-28
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. (AZ)

I have contacted TransUnion several time about removing fraudulent information from my credit report. They are quick to update any and every thing that is given to them but take there sweet time and make you jump thru hoops to correct any false information. 

I am a Victim of identity theft. The inquiry, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2015-08-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (FL)

I submitted a request for investigation to Equifax over 1 year ago and have never received a response. The account is XXXX XXXX and it listed as a charge off. In the remarks block it says " Consumer disputes-reinvestigation in progress. It has said this for over 1 year. They never deleted the item or provided me with the results of the investigation.
Consumer complaint received 2024-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (GA)

I got a phone call from XXXX requested some payments from me about a debt I was not aware of. When I asked a copy of the invoice they never sent it to me. Therefore, I feel unsafe to share any information with them, even though they have been pressing me to verify my social security number, to such request I declined.
Consumer complaint received 2024-03-19
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: Mr. Cooper Group Inc. (NY)

I am sending this complaint to dispute and request the correction of inaccurate information found on my credit report. Upon reviewing a copy of my credit report obtained from your agency, I observed an erroneous late account entry that is adversely affecting my credit score.

NSTAR/COOPER XXXX XXXX 

I wish to highlight that this late account entry is inaccurate, and I firmly believe it violates the Fair Credit Reporting Act ( FCRA ). I have already contacted the other credit bureaus- XXXX and XXXX - regarding this issue, and they promptly updated their reports to reflect the accurate information. 

The account in question has been fully paid off, and there is no remaining balance, as evidenced by the documentation and records provided. Despite my attempts to rectify this error, it appears that your agency has not complied with the law by persisting to report this inaccurate information. 

I appreciate your prompt attention to this matter and anticipate a timely resolution. Please provide written confirmation once the correction has been implemented and the accurate information has been updated on my credit report.
Consumer complaint received 2023-07-21
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: EQUIFAX, INC. (MI)

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.

has violated my rights. Or list of inquiries 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 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 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 2022-01-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MarkOne Holdings, LLC (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.