davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Placement Services, LLC (VA)

numerous phone calls at all different hours with a recorded message that they are calling about a debt a have and to please call asap or action will be taken Company is called Pro Placement Services -XXXX I called them from a different # and talked to a girl- asking what they do & why the phone calls etc she refused to tell me anything unless I gave her my name etc. I hung up!
Consumer complaint received 2020-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2020 XXXX/XXXX went with a unauthorized hard inquiry on my credit report. I reached out via certfied mail and got no response.
Consumer complaint received 2023-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I AM WRITING TO DLETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEM I NEED DELETED ARE LISTED IN THE REPORT I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT XXXX REMOVE THIS ITEM TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT!
Consumer complaint received 2017-05-25
Product: Credit card or prepaid 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: DISCOVER BANK (CA)

X/XX/2017    -- I ordered  XXXX  tickets to  XXXX   XXXX  from  XXXX  website for {$300.00}.  XXXX  sent me an email that the charge was declined by Discover. At the same time, Discover sent me an automated email of fraud alert and was asking me if the orders were valid. I did not respond to their email but instead called Discover on  X/XX/2017   .     So, during my conversation with the representative at Discover on  X/XX/2017   , I was told that there should be no problem with my card. I asked if the order made on  X/XX/2017    went through. I was told no. Worried that I might get charged twice, I asked if I should place the order again. I was told by Discover th at Discover does no t run through what it declined, so I should place the order again. I placed an order again at  XXXX  site on  X/XX/2017    for  XXXX  tickets at {$300.00}.     On  X/X/2017    I checked my  XXXX  app and found  XXXX  tickets. I called Discover because I had been charged twice on my credit card. I called Discover because it is Discovers fault first, they declined the order, and second, they told me the first order did not go through and that I should place the order again. Discover removed the disputed charge of {$300.00}.     On  X/XX/2017   , I calle d Discover to follow  up on my dispute.     Sometime in  XXXX , I contacted  XXXX  to ask them to remove the duplicated tickets from my app. But, they said they couldnt because the tickets can not be returned as they exceeded th e 3-day  window. I have not clicked on any of the tickets ( I believe clicking them means that the purchaser has accepted the tickets ) because I might click on the ones that were disputed and it might make the dispute invalid.     On  X/XX/2017   , I found out that Discover put back the disputed charge of {$300.00} into my credit card. I called Discover again, and they will have a supervisor call me within 3 days.
Consumer complaint received 2020-07-10
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report
Consumer complaint received 2020-08-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

I have been trying settle with midland funding, they are unwilling to work with me. They are asking for full balance and they have even ask for my pay stub saying that want to set up a payments. I have told them im on SS. They keep giving me the run around about this and lying to me to try to get me to paid this in full. i should not have to go thru all this when im telling them what i can paid. Why do they did check stubs? they dont!. they are trying to garnish my wages and lying to me about it.
Consumer complaint received 2024-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK (OH)

On XX/XX/year>, an ATM withdrawal of {$500.00} was completed without my authorization using my debit card. I was not in possession of my debit card. 
I immediately reported this unauthorized ATM withdrawal to Discover Bank. They applied a {$500.00} provisional credit to my account on XX/XX/year>. 

I received a letter from Discover Bank dated XX/XX/year>. The letter stated they completed their investigation and the transaction was valid. 
Reason for this conclusion inclue the following : Transaction consistent with account holder 's prior activity. 
Transaction completed with PIN with no prior PIN failures No history of PIN being changed recently I do not agree with their reasoning. With today 's technology, scammers/hackers/theives know how to hack into a persons phone, computer, or any other electronic device to obtain any personal information they want or need to scam a person. 

As a result, the provisional credit of {$500.00} was reversed on XX/XX/year>. 
Dispute closed. 

On XX/XX/year>, I submitted a written letter to dispute the decision by Discover Bank. In the written letter I stated the following : The EFTA protects the consumer of unauthorized charges. The most I should have been responsible for on this transaction was {$50.00} as the fraud was reported within 2 business days.

Per the EFTA, you are no longer responsible for unauthorized use of the card assoon as your report the loss. If you report a lost or stolen ATM or debit card within two days, the EFTA limits your liability to {$50.00}. If I am understanding this correctly, Discover Bank owes me a minimum of {$450.00} if not the entire {$500.00}. 

Also in my written dispute letter, I requested copies of all documents used by Discover Bank to deny my original disputed unauthorized claim. As of XX/XX/year>, I have never received the documents nor has Discover Bank returned my funds to my account.
Consumer complaint received 2024-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (TX)

My Home mortgage was transferred from XXXX XXXX to Mr. Cooper. We have tried to call them at all the numbers they provided and all we got were more computer menu options that did not apply to our issue. We paid our mortgage on XX/XX/year> using their automated system with a conformation code XXXX XXXX  Since then, we received a bill for the XX/XX/year> mortgage payment that shows we own two payments since we had not paid for XXXX. Again, we have tied to contact a human being to address the issue but with no luck. Perhaps you can help us?
Consumer complaint received 2019-06-06
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. (PA)

I submitted disputes for collection accounts on my credit report online and over the phone. I sent a copy of the letter from one account stating XXXX Account # XXXX was investigated and is to be deleted. When I spoke with Experian rep I was told it doesn't make a difference and I have to wait till it drops of next year. I informed him that's it's in writing that it is to be removed from my credit report I spoke with rep on XX/XX/19. I also uploaded docs to them. XXXX XXXX # XXXX XXXX is to be deleted from my credit report. 

In addition my credit score dropped 26 points after disputing I called Experian and asked why I was not given a clear answer I was transferred to two different departments and dispute department rep was rude and did not explain why my score dropped. I was told my score would not decrease my disputing collection accounts. I was missing informed and not provided a clear answer and my credit score dropped for unknown reason with Experian. 

Experian did not explain to me the reason why my score dropped 26 points and refused to delete XXXX account although I have letter stating it is to be removed after investigation XX/XX/19. Experian did not explain why my score dropped 26 points after my disputing items that have been on my credit already.
Consumer complaint received 2019-05-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (FL)

This complaint involves AmeriHome Mortgage. They service my VA loan. Since the last week of XXXX this company insists I have no Home owners insurance. My insurance agent and myself have supplied them proof of insurance on three separate occasions over the intervening 6 weeks. Today I received another letter from them stating they have documented the renewal of my policy and dispersed the funds. They however still claim that their was a three month lapse in coverage and they will purchase coverage for that and have started a debt collection proceeding. They have received copies of the coverage that was valid during the contested period. I even tried to upload the document again upon receipt of todays letter however their own site states that the document is already on file.
Consumer complaint received 2016-09-30
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (GA)

I XXXX XXXX, entered the Wells Fargo branch located on XXXX XXXX XXXX, XXXX, GA XXXX around XXXX. I am a XXXX bank customer attempting to deposit my personal check paid to the order of my mother XXXX XXXX for {$800.00} who is a Wells Fargo customer. I wrote deposit only and her acct # in back of the check due to the fact she lives in XXXX and is not able to endorse the check in person. The teller at the window advised me that they are no longer excepting checks that are not endorsed by the acct holder themselves. This policy is unknown to me and there is no signage anywhere in the branch that has such a policy written. The service manager advised me that they only except cash when you are not the card holder. This is very inconvenient for those who do business and need a paper trail. Checks are how I pay my rent. I called another Wells Fargo branch who was n't aware of this stores policy. I also spoke with the service manager XXXX XXXX who advised that they could simply not accept the check. the branch manager XXXX XXXX advised she would double check policy but never called me back for an update. The lead teller XXXX XXXX could also not tell me why this policy only applied to this branch. If this is Wells Fargo 's new policy, they should apply it across ALL locations and make non customers aware. Now it sounds like an all cash business if you do not have an account with Well Fargo. I feel we are being punished for Wells Fargo ability to detect fraud. their lack of loss prevention should not fall on customers whether we have an acct or not.
Consumer complaint received 2022-04-06
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 am exercising my right under the Fair Credit Reporting Act Under section XXXX XXXX Code XXXX - Permissible purposes of consumer reports Account name XXXX XXXX XXXX Account number- XXXX Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a con- sumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, or a sub- poena issued in connection with proceedings before a Federal grand jury. 
( XXXX ) In accordance with the written instruc- tions of the consumer to whom it relates. 
( XXXX ) To a person which it has reason to believe ( A ) intends to use the information in con- nection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an ac- count of, the consumer ; or ( B ) intends to use the information for em- ployment purposes ; or ( C ) intends to use the information in con- nection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in con- nection with a determination of the consum- ers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants fi- nancial responsibility or status ; or ( XXXX ) intends to use the information, as a po- tential investor or servicer, or current in- surer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit ob- ligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business trans- action that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. 
( G ) XXXX departments and agencies in connection with the issuance of government- sponsored individually-billed travel charge cards. 
( XXXX ) In response to a request by the head of a State or local child support enforcement agen- cy ( or a State or local government official au- thorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals case
Consumer complaint received 2019-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

These inaccurate accounts are reporting on my credit report XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX 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 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

XXXX XXXX XXXX is not me. Please remove from file. 
Also I have never lived at XXXX XXXX XXXX, XXXX, Wi. XXXX. I have always lived in XXXX WI. Until The middle of XXXX/XXXX 2019 when I moved to XXXX XXXX XXXX XXXX, Wi. XXXX. Please help me fix this information. Thank you sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NJ)

Date : XX/XX/2022 Bank : TD Bank Transaction : {$150.00} and {$200.00} were taken out of my account. 
I noticed that there was fraud on my checking account, and it was fully compromised. 
I followed all of TD bank account holding policy, meaning did not share account information, share debit card with another individual, and did not lose any of my belonging. I followed up with a claim on the day of my account being compromised, but I was just informed on XX/XX/2022 that my claim has been denied, even though I followed their policy to the maximum.
Consumer complaint received 2017-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (NC)

XXXX overcharged my account which has since been closed in the estimated amount of {$250.00}, so I called my bank to dispute the overages and they stopped the withdrawal. I closed my account confirming a zero balance with XXXX on or about XXXX. XXXX then came back and claimed I owed them {$110.00} which has escalated in owing $ XXXX to date and continues to show up on my credit report over and over after my disputes pulling down my scores. I can provide the names of each debt collector if necessary ; however, my main concern is to stop the initial false accusation of debt by XXXX. I tried and failed to resolve this problem with XXXX spent countless hours on hold and being hung up on only to call back and request to speak to supervisors and was transferred to a Texas customer service office vice a supervisor after holding an additional 30 minutes. XXXX has pulled this tactic with others with whom I have talked to as a way to extort monies when one closes an account with them. As someone who is working very hard to improve my credit I am outraged by corporate tactics to BULLY consumers into paying monies they do not owe and wish to exhaust every means possible to ensure they do not succeed in extorting me any further.
Consumer complaint received 2023-02-07
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. (FL)

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. 

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 has violated my rights. 

XXXX5 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 2021-09-17
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. (MS)

Experian and XXXX are violating 15 usc 1681e ( b ) by not accurately reporting the information to my consumer file!!!! Its their job as a reporting agency to accurately validate and verify all information before reporting the data to my consumer file!!! Experian and XXXX have failed to do so!!!!! Experian and XXXX are violating 15 usc 1692d ( 4 ). XXXX has provided a letter stating that they do not own this debt nor do they have a financial interest in this debt ; therefore, this must be removed immediately! They are also violating 15 usc 1692g by not properly validating this debt before reporting this information to my consumer report! XXXX has also stated that XXXX is the only bureau that has removed the incorrect information by stating that Experian and XXXX are the only bureaus that are still reporting this erroneous information!!!! XXXX and Experian are furnishing false information which violates 15 usc 1692e punishable pursuant 15 usc 1692k and pursuant 15 usc 1681n ( 1 ) ( B ) they both are punishable in the amount of XXXX. I have also included my identification to show that I XXXX XXXX XXXX XXXX am the person submitting this complaint!!! And above all other things XXXX and Experian are violating my right to privacy pursuant 15 usc 1681a ( 4 ) and they do not have permissible purpose pursuant 1681b ( 2 )!
Consumer complaint received 2019-06-06
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)

In XXXX, XXXX and XXXX of 2019 filed disputes with the credit bureaus. I am a victim of identity theft. The information listed in this report, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft.
Consumer complaint received 2023-01-30
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)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

This account is inaccurate XXXX XXXX XXXX  XXXX # XXXX. The Last date of Activity, Account Type - Detail, Payment Status shows " Paid as Agreed '' but in Experian appears " 30 Days Late '' and according to [ 15 U.S.C Section 1681-a ] its a FCRA violation. Please remove this inaccurate account from my credit report.