davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-30
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. (TX)

The following inquiries below were not authorized and I was unaware on any of these below please delete immidiately FCRA violation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-08-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (CA)

My current loan company, Caliber home loans, paid taxes on a parcel number that was not mine, and was actually discontinued before I bought my property ; from my escrow account and now will not refund my money. To add insult to injury, they are wanting me to pay more money into my escrow account for my taxes when they used my money wrongly. They made XXXX payments of XXXX $ to parcel XXXX and XXXX payments of XXXX $ to parcel number XXXX, neither of which have ever been mine. Total of {$2700.00} which was removed from my escrow account and never returned. I also paid an installment for XXXX for XXXX $ I have filed many complaints and have been trying to get it solved for over a year now. They told me to give them more time. I called in 3 months, and the representative had told me they closed my compliant without resolving it or refunding my money. I want some one to be held responsible for this error and want my money refunded into my account instead of them trying to take more money from me. I have always paid everything on time and all my paperwork and payments have been on time. Please help me solve this.
Consumer complaint received 2016-07-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have completed a five year chapterXXXX bankruptcy plan all payments on time all payments on plan have been paid no missed payments some creditors are on my credit report showing missed an delinqet payments my credit report shows poor credit with derogirtory remarks NEED HELP to resolve this stressful situation
Consumer complaint received 2015-04-14
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: PENTAGON FEDERAL CREDIT UNION (MD)

I wanted to transfer, on Pen Fed CU website, money from our checking account to IRA account. The IRA account was not available for transfers. I called and ask why it was not available. I was told that this kind of transactions is prohibited by law - because of reporting requirements. Is there a law/regulation that prohibits electronic transfer of money into IRA account form checking/savings account?
Consumer complaint received 2017-02-12
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Bread Financial Holdings, Inc. (NV)

I had an account with PayPal Credit which was paid and closed. However, PayPal continues to send an invoice each month. Last month ( XX/XX/2017 ) for {$2.00}. This month ( XX/XX/2017 ) for {$4.00}. 
I have contacted the company to no avail.
Consumer complaint received 2016-05-21
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Finance System of Toledo, Inc. (OH)

My doctor sent me to have a XXXX done prior to my XXXX. The doctor that performed my XXXX ordered me to have XXXX done. I gave them my insurance card. 
I do not understand why one year later they sent me to collections. I found out when I checked my credit score. 
I immediately called this collections office and asked what was going on. The lady that answered the phone said they sent me letters in the mail but they were returned. That is not true because I never received anything and I never sent anything back either. She said she was going to send me paperwork in the mail for me to review about the visit. And this was 2 weeks ago XXXX XXXX and I have not received anything. 
I also called the same day the place where they did the XXXX and I told them I had health insurance and I did not understand why they did not bill them. She said it had been longer than a year so they could not do it. But that is not my fault they did not do it. I had health insurance since XXXX XXXX, 2015 and at the time of that service my insurance was paying 80 % and I was responsible for the remaining. 
I have not received anything in the mail explaining to me why they failed to bill my insurance. I have proof I had insurance at the time of service, and it would have been really stupid of me not providing them with that important information when I went there to have a XXXX done. 
If I am requested I can show proof that I have been insured since XXXX 2015 I know I am responsible for 20 % of the debt, and I do agree with it completely. But I am not liable for the whole amount. 
I will pay what I am responsible for.
Consumer complaint received 2017-08-16
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NJ)

I have told them repeatedly that I work during the day and ca n't have my cell phone. They continue to call me 5 times a day, and they try calling from different numbers hoping I 'll pick up which is misleading and fraudulent. I ca n't pick up the phone if I do n't have my phone with me!
Consumer complaint received 2016-11-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MD)

I originally made arrangements XX/XX/2016 to pay off a medical debt purchased by Transworld Systems , Inc. and the balance of {$120.00} was paid in full on XX/XX/XXXX and deducted from my XXXX account on XX/XX/2016. Since then, I have contacted this company 4 times within XX/XX/XXXX -XX/XX/2016, requesting a letter of " paid in full '' without success ; however, I 've been verbally told repeatedly since then that my account was paid in full and that my letter was in the mail and this information would also be sent to the XXXX major credit bureaus. I spoke with another representative today XXXX XXXX XXXX XXXX and she promised me that she would fax the PIF letter to me and I still have n't received it. She also ( along with XXXX other representatives ) informed me that this information would be updated and sent to the XXXX major credit bureaus ; however, after disputing the amount last month ; I received notification today that TSI reported to them that I still have a debt in the amount of {$120.00}. This is unfair as they received my payment more than 30 days ago and refuse to send me confirmation. I have verified my address multiple times and they continue to tell me that they sent out a letter but every time I call back ; they tell me that a letter was never sent and they will expedite it.
Consumer complaint received 2016-12-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Hello- We were the victims of XXXX and subsequently were awarded money in a lawsuit that the CFPB brought against XXXX for Mishandled loan modifications and delayed short sales. Our case is simple we were working on a loan modification with XXXX XXXX XXXX who our mortgage was with and our credit report shows when the loan servicing was suddenly changed to XXXX XXXX. From there everything went downhill fast. We were told we had XXXX miss payments on the loan to qualify for a loan modification or before they would allow a sale of the home. Because of this several sellers walked away and we had to take a much lower offer. For these reasons and many others listed in the lawsuit. I believe that this account ( XXXX XXXX XXXX ) should be deleted from my Equifax credit report. XXXX XXXX servicing changed names to XXXX XXXX XXXX. So the account on my credit report now shows up as XXXX XXXX.
Consumer complaint received 2024-03-10
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (GA)

Wrongful Treatment of American Express Loyal Credit Card Customers Date of Transaction : Thursday, XXXX XXXX XXXXXX/XX/XXXX American Express 's Promotional Offers, Marketing Practices, and Communications are Biased, Confusing, and Misleading. 

Brief Background : I have been an American Express customer since XXXX. Unfortunately, that is rarely even acknowledged. I have a XXXX Credit Score of XXXX. My AMEX Credit Card Accounts have always been in Good Standing. But, when I call American Express for Customer Support my calls are routed to International Agents that are condescending, disrespectful and rude. American Express Customers deserve better! 

Amount of Money Paid to Business : The amount of Money Involved is the method American Express uses to determine Credit Card issuance and Credit Card Limits What the Business Committed to provide : The American Express Agent ( XXXX ) Committed to Upgrade my XXXX XXXX XXXX XXXX to the XXXX XXXX XXXX XXXX within ( 24 ) hours for the Special offer I agreed to. But he documented that I requested more information when I did not. This caused an unexpected wrongful delay in processing my new American Express XXXX XXXX Credit Card. 

When American finally decided to load my XXXX XXXX, they wrongfully breached my Personal Identifiable Information ( PII ). They changed the name on my Hilton Honors and XXXX XXXX XXXX Credit Card, violating Data Privacy and security of personally identifiable information. 

Both AMEX Credit Cards have someone elses name on them : XXXX. XXXX. I need someone at American to tell me who XXXX. XXXX is. And how and why this happened? ( Please see the Screenshots of both credit cards in the Attachment ). 

When I applied for this Hilton Honors Credit Card, even though I have Excellent credit, the only way that American Express would approve the account was by lowering my XXXX XXXX XXXX limit to issue the Hilton Honors Credit Card limit. This is a horrible Bad Practice. 

The Nature of the Dispute is : American Express breached my Account by adding someone elses name, XXXX. XXXX, offers to my Credit Cards. They have fewer Advantageous Promotional. Higher Interest Rates, Inferior Credit Card Terms. Condescending, disrespectful, and rude communications. Invalidate and dismiss my concerns. Never apologize for confusing communications, wrongful actions and behaviors. 

Whether or not the Business had tried to resolve the problem? 
I spoke with XXXX, XXXX, XXXX, and XXXX, who was a 2nd Level Lead Review representative. 

But XXXX stated it would take them 7 to 10 days to provide any feedback or resolution. This is absolutely beyond disappointing!
Consumer complaint received 2023-03-30
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. (TX)

Despite multiple written requests, the unverified account in question. listed below continue to report on my credit report in violation of federal law. This account in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-09-04
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)

In accordance with the Fair Credit Reporting act 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 also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NY)

I deposited a check through mobile banking whi ch Webster Bank approv ed. Almost a week later they returned the check. I contacted the bank on  X/XX/17    and the representative notified me that the check was returned because they could not read the check even though they approved it. She told me she would reverse all of the bank fees. I cashed the original check and deposited cash. On  X/XX/17   . I received another notification of a fee. I called to have it reversed and the bank refuses to reverse it.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (IN)

I'm a victim of identity theft. I have filed report with local sheriff 's dept and FTC. Both reports have been sent to credit bureas. I have been dealing with the same accounts and dispute results. I'm beyond frustrated and tired of not getting issues resolved. I have a few accounts reporting that are not mine period. These accounts are in collections. The accounts and collections are double reporting on my consumer reports. I have numerous phone calls and letters sent to credit bureas about all issues. This account for XXXX XXXX XXXX XXXX XXXX XXXXXXXX is closed and written off and sold to a Midland credit management. They are both reporting on same account and have been since XXXX. I called XXXX they say they can't do anything about it. A letter was also sent to them 3 weeks ago. This is XXXX. I want to see them.
Consumer complaint received 2022-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

i am preparing to meet with a real estate person to consider purchasing a trailer. While updating my credit report with transunion i received a notification or an offer to purchase my score which isnt included with the report. i was given to understand that this stuff is free. Can transunion or the others legally charge you for this?
Consumer complaint received 2016-04-02
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC (CA)

I spoke with a representative named XXXX. He said I owed {$120.00} but I disputed the amount. I owed {$96.00}. He spoke fast, he changed the amount on the debt 3 times during the call, and he lied and said they were a paperless company when I asked for a print out of my bill. XXXX did not direct me to the web site where I could put in my account information and see the correct amount. XXXX said they were a paperless company but they had sent me a paper invoice a week before.
Consumer complaint received 2015-05-01
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I paid off my credit card 8 days before the due date. After the due date, I received bill, stating I owe {$15.00} and some change. I made contact with the credit card company, and was informed they would take care of it. I was told it would take 5 business days to see the change on my account. I checked my account after 7 day and the amount had doubled. I called the credit card company and asked to speak w/ a supervisor and informed them I paid my account off prior to the due date. I was told once again that it would be taken care of and the supervisor said she was making adjustments to my account as we spoke. she informed me it would take 5 business days to see the change. I waited and checked my credit card account 5 business days and now the credit card company shows a balance for me of {$59.00}. I do n't understand how I pay off my account and accrue a balance and I call and call the credit card company about this issue and my calls falls on deaf ears and they continue to add fees to my account.
Consumer complaint received 2015-04-15
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Both my husband and I have been receiving threatening voicemails from Portfolio Recovery. We have never received anything from them about any debt. Yet they are showing up on both our credit reports. With all the scammers I refuse to pay anyone claiming to be a debt collector. We suspect they are trying to collect on debts that were discharged in bankruptcy. With no proof of debt and threatening voicemails they are breaking debt collection laws. These calls are also past XXXX.
Consumer complaint received 2022-09-06
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. (NC)

It appears that my credit file has been compromised. I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX  XXXX Balance : {$19000.00}, U S DEPTOF EDXXXX XXXX Balance : {$4400.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$150.00}, XXXX XXXX XXXX ( OriginalCreditor : XXXX ) XXXX Balance : {$89.00}, XXXX XXXXXXXX : {$0.00}, XXXX XXXX  Balance : {$180.00}, XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  XXXX XXXX ) XXXX Balance : {$110.00}.
Consumer complaint received 2022-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Village Capital & Investment LLC (GA)

I received alert notices from all the credit bureaus on XX/XX/XXXX stating that my account has been falsely reported 120 DAYS Past Due AGAIN. My account has been incorrectly reported as late since XX/XX/XXXX. This incorrect reporting has happened at least 10 times since XX/XX/XXXX causing my credit score to plummet with each occurrence 100 points or more. This false reporting must stop and the correct payments history reported to the Credit Bureaus. I am not now, nor have I ever been late on my mortgage and the following information will assist you in resolving this matter. 

Please see attachment below. 

Village Capital & Investment LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Account Number Borrower Relationship Agent Borrower Relationship Department P : ( XXXX ) XXXX XXXX : XXXX villagecapital.com
Consumer complaint received 2023-03-30
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. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX - XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2015-10-18
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (KS)

On XXXX/XXXX/15 rush card stated they were going to do an " upgrade '' well my payday is Friday XXXX/XXXX/15 and today is sunday XXXX/XXXX/15 and my check is still not deposited. I been told by more than XXXX agentd at rush card that they see myb {$490.00} direct deposit pending but dont know when it will be posted. In the mean time I cant put gas in my cars to go to work, cant buy grocerirs to feed my XXXX kids and cant pay my bills. I kusy want my money loaded so I can be done with rush card.
Consumer complaint received 2024-03-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (SC)

I have a new negative account that has shown up on my credit report and it says the original debtor was XXXX, and it is now being reported by Jefferson Capital System. I have never had any association with or done any business with XXXX or any affiliated company. This account states it was originally opened in XX/XX/year>, but is already in collections three months later. I've already tried filing a complaint through XXXX with no answers. This is not my debt.
Consumer complaint received 2016-04-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX and transunion XXXX keep reporting accounts that should be erased due to the fact that they did not validate there claim that that stated i owed, this has caused me lost of hard XXXX an cause me to not be able to get housing for me and my family i ask that these be removed off my report asap XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$62.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX, XXXX XXXX {$200.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$59.00} XXXX XX/XX/XXXX XXXX {$280.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX, XXXX XXXX {$390.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX, XXXX XXXX XXXX {$60.00}