davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I received a copy of a credit report from Transunion in XX/XX/2018. I noticed several inaccurate/unknown accounts and inquires that did not belong to me. I quickly contacted Transunion via USPS and I must say, I have been drug around and in the dirt over the past six months. I wrote and listed all the fraudulent information, sent it via USPS and every time Transunion responds back with a letter saying these are VERIFIED. How that is possible is beyond me, I am XXXX XXXX and a number of these accounts and inquires were when I was away. To simply put it, I am a victim of fraud and Transunion does not care. After several Attempts to get Transunion to please adjust, correct and delete the fraudulent accounts, I have now filed Identity theft with the FTC. I have also reported Transunions ill taste in serving the consumer. I truly hope they take this serious, as I am ready to use any and all outlets possible to get the fraudulent accounts and inquires removed. This absurd situation has hinder me from my personal life to my work life.
Consumer complaint received 2017-11-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ATG Credit, LLC (KS)

XX/XX/XXXX approx. XXXX XXXX c.s.t I received a call from a woman named " XXXX '' at ext XXXX who said she was with ATG Credit and collecting a debt from XXXX about a XXXX computer from back in XX/XX/XXXX. I immediately told her this was fraud and explained I was requesting a full validation of debt as per my rights with the FDCPA. On XX/XX/XXXX I  received a packet from ATG Credit that was what they call a " Fraud/ID Theft Handling Packet '' and in this packet they are requesting I write to them critical personal information including my date of birth, social security #, my home and work phone numbers, current and past addresses and tell them about the fraud. 
Also on the letter it states that the creditor is XXXX XXXX XXXX XXXX and I have no idea who that company is either. I do not feel comfortable giving this information to a 3rd party collections agency that obviously ca n't validate the debt they are claiming to represent that is already over 10 years old, has NEVER been on my credit report, and I have never owned a XXXX computer nor bought ANYTHING on XXXX! I feel this is a complete scam, the ATG credit company has an A rating with the BBB with over 90 complaints so we know that they obviously buy their rating.
Consumer complaint received 2021-10-05
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. (NJ)

As a consumer of the United States, I sent Trans Union a formal complaint on XX/XX/21 about inaccurate and fraudulent information on my credit report that does not belong to me. I specifically listed their failure to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish. I also informed them that it is their responsibility to report only 100 % accurate information. I asked for a reinvestigation on several accounts. According to the FCRA, section 609 ( A ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. I demanded to see verifiable proof ( original consumer contract with my signature ) for the accounts listed below. I also let them know that I have been hindered in obtaining credit because of these inaccurate fraudulent accounts and under the FCRA, the accounts must be removed. Accounts to be removed immediately. XXXX XXXX, XXXX XXXX .They have not complied with the law or furnished any documentation with my signature as proof that these items belong to me. As mentioned above a copy of a billing statement is not physical verification. The two companies I just mentioned that pay for services from a provider such as Trans Union have not furnished me any sort of documentation within the allotted time frame ( 30 days from XX/XX/21 ) at all. Delete this negative information from my consumer report. STOP using stall tactics. YOU KEEP CHOOSING TO BREAK THE LAW. Your time has been up by law and you have to delete these fraudulent negative items from my report that you should of been deleted in the middle/end of XXXX.
Consumer complaint received 2024-03-11
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (VA)

I purchased a Vanilla gift Visa card from XXXX ( grocery store ) for {$300.00}. When I went to use it, the card was declined. I created a XXXX account and discovered the balance on the card had already been spent. I immediately disputed the charge. Vanilla told me the dispute would be resolved withing XXXX days. That was 100 days ago. I have called and emailed, but gotten no response. The website says to call the number on the back of the card to see the result of my dispute, but other than confirming that I did dispute the charge, the agents have told me the investigation is still on going, and the are unable to help.
Consumer complaint received 2020-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Santander Consumer USA Holdings Inc. (OH)

I have requested that SANTANDER CONSUMER USA # XXXX stop calling my phone over a Debt that I do not owe to their company. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST. Fair Debt Collection Practices Act, 15 USC 1692 Sec. 809 ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. This would include affidavits since said records or documents upon which your office has sent are not original and not admitted into evidence or attached to the complaint or affidavit.
Consumer complaint received 2020-05-01
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. (AL)

This letter is a formal complaint that you are reporting FRAUDULENT credit information. 
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
All accounts listed above are resulting from the identity theft that should be blocked.
Consumer complaint received 2021-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

The company had did 3 inquiries on my name when I only authorized for 2 times. Then after they ran my name they new what was on my credit report before they gave the 2 credit cards. One was a cash back reward card for 12 month with a balance transfer with no interest. I havent even had it 12 months and they decrease it already. I only had it for 10 months. After that I pay them off they decrease it to {$500.00} when they gave me {$5000.00}. The other card was a truly simple card for 15 months with no interest. It was for XXXX and now they decrease it to XXXX and I have been paying on it. I havent even had it but 9 months. I have nothing on my credit report negativity. My score is over 700 and I Strongly Disagree with there decision after the fact they already new All the credit line I had out there. I never had anybody decrease my credit line if a they would increase and Surly not in less than a years. I was TOTALLY disappointed, disagree, and distraught how I was treated by the credit card President of this company when I had bank account and saving account. Oh by the way they change bot of my credit cards numbers so on the on question you for the credit cards number I only have the new account number so that what Im giving you.Please appreciate if you can help me Rectify this issue. Thank You.
Consumer complaint received 2021-10-05
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. (MD)

I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help to resolve this matter because it s illegal to report these accounts without my written signature.
Consumer complaint received 2018-02-08
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Williams & Fudge, Inc (CA)

XXXX XXXX with Williams & Fudge contact my Employer posing as a customer needing assistance and being unable to reach me. The Representative referred this matter to my Manager and asked my Manager to  contact XXXX XXXX immediately. 

XXXX XXXX is in fact attempting to speak with my daughter regarding an outstanding student loan and used Social Engineering tactics to falsely gain confidential information.
Consumer complaint received 2017-11-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

XXXX XXXX XXXX acquired my second mortgage from XXXX and never notified me of the acquisition resulting in 60 day late payment. They claim to have sent a notification mail to my physical address but this was never received. I also confirmed later that they had two phone numbers and an email address that were still active options to contact me. XXXX XXXX XXXXXXXX made no attempt. This account is 10 years old and has never had a late payment despite being transferred 3 times to other mortgage companies previously. This was negligence by XXXX XXXX XXXX and should not be on my credit report. This is an extremely systematic and unfair reporting practice.
Consumer complaint received 2017-11-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Management Solutions, L.L.C. (TX)

BACK ON XXXX OF 2015, XXXX XXXX COMPANY PLACED A COLLECTION ON MY REPORT IN THE AMOUNT OF {$5300.00}, THE COLLECTION AGENCY IS PHX MGMT SOL, AND I DIDNT OWED THEM ANYTHING
Consumer complaint received 2018-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (OH)

On XX/XX/XXXX I applied and got Amex EveryDay Preferred with XXXX bonus reward points after spending XXXX in the first 3 months. I rapidly exceeded spending the XXXX and then a lot more before the 3 months deadline. Then I kept waiting for the XXXX membership rewards points to post on my account. 
On XX/XX/XXXX I contacted American Express via the Chat box. The representative acknowledged that I met the conditions and I qualified to get the XXXX membership rewards. I was told to wait 8-12 weeks for the points to post to my account. 
On XX/XX/XXXX I contacted American Express again via the Chat box. The representative acknowledged again that I met the conditions and I should be getting the XXXX membership rewards. I was told again to wait 6-8 weeks for the points to post to my account. 
On XX/XX/XXXX I contacted American Express again via the Chat box. The representative and then a manager both acknowledged again that I met the conditions and I should " soon '' be getting the XXXX membership rewards. I was told to wait another 6-8 weeks for their investigation into the matter to finish. 
In my opinion, American Express not crediting the XXXX bonus membership rewards after 3 inquiries shows either gross incompetence or bad intention.
Consumer complaint received 2017-01-02
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The following creditors submitted a hard inquiry without my permission writen nor verbal or through a second hand solitiontation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX
Consumer complaint received 2017-10-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

I 'm currently paid ahead on a XXXX XXXX school loan. 

I 'm attempting to make a principal payment. I understand that the payment will first be applied to interest ( i owe approximately {$30.00} in interest and am attempting to make a {$1000.00} payment so $ 900+ should go to principal ). 

There is NO option to do this online, if I make the XXXX payment it will automatically pay as a payment and just advance my due date. I do n't want to pay 10+ months on this loan, I want to pay down the principal. 

I 've called the lender and was, at first presented with this option : Make the payment online, then contact them once it posts ( 2-3 days ) then they will request that that payment be changed to a principal only payment but that could take 2 weeks. In the meantime, I 'm paying interest on the entire principal amount while that money is sitting in limbo. 

Finally, after extensive complaining about how cumbersome this process is the representative offered to make a phone payment ( free of charge ) which should mean that it only takes 2-3 days to process. 

I 'm frustrated that it 's not easier to make a principal only payment on student loans. I 've paid and will continue to pay a ridiculous amount of interest on these. I understand that. I have n't defaulted, my payments are current and I 've accepted that this is my burden. But there should be reasonable means available to pay off principal. 

- A sincerely frustrated borrower.
Consumer complaint received 2017-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One NA claim that I owe a mortgage amount of {$120000.00} within my credit report. Capital one is in violation of Fair Credit Reporting Act and Fair Debt Collection Practices Act. I have disputed the account several times with all major bureaus because it is reporting as OPEN. This account has been CLOSED and CHARGED OFF since XX/XX/XXXX which capital one reported back in XX/XX/XXXX within my XXXX credit report. However, they changed from the correct reporting as years have passed. I printed and kept my XX/XX/XXXX XXXX correct documents when capital one reported it CLOSED/CO. Capital one started to INCORRECTLY report the debt as open again starting in XX/XX/XXXX. PLEASE make them report fair and correct within my credit reports. They are adversely affecting my life and I can not get permanent employment due to them incorrectly reporting a charge off as open. Capital one is engaging in unfair and outrageous methods to collect a Closed and Charged debt and other illegal financial manipulations which are apparent to be intentional.
Consumer complaint received 2019-03-08
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

On XX/XX/XXXX I overpaid my 2nd mtg by {$1200.00}. I by my mistake sent in a check in the amount of {$1600.00}, but it should have been in the amount of {$370.00}. When I found out my mistake while reconciling my bank statement, I immediately called Select Portfolio Servicing and let them know my mistake and asked them to send me the difference I overpaid via a check by mail. This call was made back on XX/XX/XXXX. Since then I have made numerous follow up calls regarding my check, each time I have been given the run around about receiving my check. I have been told it was mailed out regular mail on XX/XX/XXXX, I was told by supervisor XXXX XXXX ( XXXX ) on XX/XX/XXXX that the check was overnighted via XXXX on XX/XX/XXXX but could not give me a tracking # because cashier dept was closed at the time and he would call me back the following day ( XX/XX/XXXX ) with that info. XXXX called me back the next day ( XX/XX/XXXX ) and said there was no tracking # to be found so he requested that they send out another check via overnight, but again he said that he would have to contact cashier dept again to get the tracking # and he would call me back, but he never did. I have sent them a copy of my bank acct statement that the funds where withdrawn from my acct as proof that they requested and to this day I have received nothing but stories.
Consumer complaint received 2017-11-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (VA)

I 've gotten repeated voicemails for a distant relative with a different last name, who has never lived at my address. The company says they are Ally Financial. I 've never done business with them or ever heard of them before this. They called my daughter on her work phone and my son in the XXXX XXXX XXXX. They 've never done business w Ally nor lived with the person Ally is calling about. I most recently got a voicemail at XXXX today, even though I blocked their number on my cell phone. 
I do not use private unscrupulous lenders such as this company ... i looked them up online ... i only ever use highly rated credit unions and banks. I 've mentored those with credit issues when I was a XXXX XXXX and deplore the tactics used by companies like Ally. I want them to be punished to the fullest extent of the law. And they better never call me or my kids ever again.
Consumer complaint received 2018-06-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (KY)

I have received calls via an automated dialer every morning this week ( XX/XX/XXXX through XX/XX/XXXX ). On only two of these calls did the dialer ever even address me - one call was silent so long that I hung, on another call, the operator was engaged in another conversation which I could hear half of, and I hung up on her. This morning, the operator I spoke with was exceptionally rude, and she refused to tell me what she was calling about until I provided her with my social security number as identification, which I wasn't about to provide a random unidentified stranger with. Finally, she told me that she was calling from " XXXX XXXX XXXX, '' but was exceptionally rude and refused to even tell me what the call was regarding without my providing information I had no intention of providing a stranger, so I hung up. This is both a cellular phone, and my work line. It don't believe robocalling it, or using it for collection calls is legal. I looked up the company to see if I could utilize email or some other method of communication, but their site requires an account number to contact them that way, and I don't have one. I am not aware of any outstanding debts, but I am happy to review any debt validation information which they can send me through the mail. However, I refuse to provide personal information to some stranger on the telephone just to find out why they're calling me, and I need these calls to stop.
Consumer complaint received 2018-06-08
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. (OK)

I have submitted disputes ( with documentation ) about old negative information showing up on my credit report. I submitted the dispute in 2016, and again on XX/XX/XXXX, - Experian refuses to remove it. So today XX/XX/XXXX I once again disputed it. XXXX XXXX  XXXX XXXX provided me documentation showing I paid a loan off, and Experian refuses to remove the negative information. XXXX XXXX says they can not remove it, that its Experians responsibility to remove it.
Consumer complaint received 2015-11-17
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Check Security Associates, LLC (TX)

I got a call from my father today. He has the same name as I do. I am a XXXX. He received harassing call from a company called Warner Asset XXXX. The agent, XXXX XXXX, shared sensitive information with my father about me and an alleged debt of mine that they ( she ) was trying to convince my father was his debt. 

XXXX XXXX asked my father to confirm his birthday and SS #. He would not give the information. When XXXX XXXX asked my father to confirm the birthday and ss # they have on file, he noticed that the birthday was mine. 

Subsequently, XXXX XXXX called my father 's supervisor and, according to him, divulged a lot of false personal information about him, along with some disparaging remarks about dishonesty. 

I have also received a few messages from this company that I have not returned due to the ominous and threatening nature of the message -- use of words like " case '', " judgement '' and more. 

I have no idea what this company is or what they might be trying to pull off here. I have student loans but they are all consolidated. I have also done some online research about Warner Asset Management. They do appear to have a problem with lots of other similar complaints. Their phone number is XXXX.