davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

I had a mortgage VA Loan through Freedom Mortgage and last XXXX, XXXX, I sold the house and there was an escrow balance of {$2200.00} and Freedom mortgage indicated to me that they had cut and sent a check for this amount after receiving the payoff on the loan. I have not received any check since I sold my house in WA state. I called on last month on or about XX/XX/XXXX and they told me a check had been issued and sent. I did not receive any check. Last Thursday, XX/XX/XXXX and Friday, XX/XX/XXXX to find out the status of the check. Freedom mortgage indicated they will re-issue the check by the end of this month and it will be payable to me on the first week of XXXX, XXXX. I don't believe them anymore, and they need to send me the escrow money it is not theirs. I need your help! this was a VA loan and it needs to be resolved ASAP.
Consumer complaint received 2022-01-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I mail and e-mail Portfolio Recovery Associates, Ask about the debt. Asking the validation debt, I use a validation letter. With my info of the name of the company trying to collect from. The amount and the date of debt are wrong. Ask a few times for info. I got nothing in return. Even after I sent a letter not to call still been getting calls from them. 

my full name is XXXX XXXX crumbles correct address XXXX XXXX XXXX XXXX XXXX tx XXXX snn XXXX
Consumer complaint received 2021-11-04
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. (FL)

TransUnion is reporting information on my consumer report, that I did not give consent to report. According to 15 USC 1681b-PERMISSIBLE PURPOSE OF CONSUMER REPORTS ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to
Consumer complaint received 2015-06-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (AL)

They called looking for someone by a name that does not reside here. Caller was advised of this and went on to question if I knew the person. There is no one here by the name that they are looking for and no one has any business ( past, present, future ) with this company. 

The number on the caller ID XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-04-14
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK (AZ)

I made a purchase of {$990.00} on XXXX XXXX, 2015 using my Discover it card with XXXX. Discover was running a promotion offering 10 % cash back on purchases made using XXXX. Discover has not paid the 10 % cash back that was promised.
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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

It is the responsibility of TRANSUNION pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, But they are NOT. TRANSUNION is reporting Multiple fraudulent inquires on my account and after repeated calls and letters they have refused to remove them. 
XXXX XX/XX/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 These are fraudulent inquiries that were taken Without my consent of any kind. I have contacted transunion by phone 3 times immediately following the latest fraudulent inquiry and was told to contact the creditors, which I did and was told they could not send a deletion letter for these since they were applied for with all of my information! Even when I explained I did not apply, someone else did with my information, they still refused to remove. I contacted TRANSUNION again and spoke to 3 managers by the names of XXXX XXXX, XXXX XXXX, XXXX XXXX. Who all told me they were unable to remove the inquiries without a deletion letter from the creditors. This is false as XXXX and XXXX removed these fraudulet inquiries immediately upon notice that they were fraudulent.

Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these inquiries resulting in TRANSUNION violating my federally protected consumer rights. Most Importantly, I did NOT give TRANSUNION written instruction/permission to furnish these inaccurate inquiries on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

Even after explaining to the TRANSUNION supervisors listed above 15 US Code 1681g, which states as the consumer I have the right to request how these inquiries were validated. They ignored this and continued to tell me it was MY responsibility to provide proof it wasn't me!

It is my right as the consumer to demand these fraudulent inquiries be removed from my credit report.
Consumer complaint received 2022-07-19
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: General Motors Financial Company, Inc. (NV)

ON XX/XX/2022 I WENT TO THE DEALERSHIP TO INQUIRE ABOUT GETTING A NEW CAR. I WAS APPROVED THROUGH XXXX  XXXX XXXX FOR MY NEW CAR. I WENT HOME AND VIEWED MY CREDIT REPORT AND NOTICED SEVERAL HARD INQUIRIES FROM COMPANIES I DID NOT BENEFIT FROM. I ACTUALLY REACHED OUT TO THE COMPANIES ONE IN PARTICULAR NAMED GM FINANCIAL AND TOLD THEM TO REMOVE THE INQUIRY BECAUSE I DID NOT BENEFIT FROM THEIR COMPANY AND THAT I HAD ALREADY GOTTEN A CAR LOAN THROUGH ANOTHER FINANCIAL INSTITUTION. GM FINANCIAL REPLIED THAT THEY WERE NOT REMOVING THE HARD INQUIRY FROM REPORT.
Consumer complaint received 2020-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (KY)

I have registered a complaint prior. I am going to every day until something resolves. This card is an obvious scam. It is easily verified online. My original complaint number is XXXX. Since filing a complaint my card has been turned off. It is tragic how people are being cheated by this company. From reading your site, it seems like it is your job to stop them. Look them up. The phone number is XXXX. 
They also have these phone numbers I found online : XXXX XXXX XXXX XXXX Here is the address they have listed : XXXX XXXX XXXX, XXXX, FL XXXX. 

They also have offices in Minnesota, XXXX, Florida, Michigan, and -- -heaven help us all -- -XXXX, DE the home of credit card scams. 

Can you please tell me to whom can I complain? I mean an official legislative body? As much as a sternly worded letter and 15 days for them to decide what to do might assuage my fears that this is money I will never see again, I am deeply concerned that this will not cause a change in their criminal practices. I am certain I am not the only one who has been stolen from by them. You just tell me who to register a criminal complaint with and I will do the work. Scamsters should not be allowed to cheat us.
Consumer complaint received 2022-07-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX incorrectly reported my balance on my card. They reported that I have a {$410.00} balance but I made a payment that was POSTED on XX/XX/XXXX for that amount and had a XXXX balance. 

XX/XX/2020 PAYMENT - THANK YOU XXXX LocationXXXX XXXX XXXX OH XXXX Posting DateXX/XX/2020
Consumer complaint received 2015-10-31
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (GA)

I have been working with my lender on a modification and they advised me that they do n't recvieve the docs and i have to refax them 3 or 4 times and now they keep giving me the voicemail and i can never get anyone on the phone to see what 's going on. Please help me to keep my home.
Consumer complaint received 2022-01-20
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: AMERICAN EXPRESS COMPANY (NJ)

I sent a billing error dispute through US Postal Certified mail on XX/XX/2021. The customer service team confirmed that they received my I have called several times for an update on this resolution and they have not sent any correspondence through the mail acknowledging that they are still working on this matter. It has now been 3 billing cycles ( 94 days ). I am now demanding that the late payments AMEX submitted to the CRAs be removed for the months of XXXX and XX/XX/2021 as AMEX went against their own terms and tried to collect on a disputed amount and reported negative activity to the CRAs. I am also demanding a lawful refund of all payments made toward the disputed amount in the total of {$3400.00} as AMEX received my dispute and chose to not respond to my dispute. Pursuant to federal law, CFR XXXX ( f ), AMEX did not resolve this dispute nor send an explanation or provide documentary evidence as requested in the debt validation letter sent on XX/XX/2021 as well. Therefore I am demanding the remedies set forth in this complaint.
Consumer complaint received 2023-04-05
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. (FL)

I paid off all of my credit cards on XX/XX/2023. I patiently waited until the end of XXXX to receive an updated score with an account paid off. My score in XX/XX/2023 never changed, but the credit utilization went down on my report. I requested to dispute the information with TransUnion, and their investigation is showing a high balance which in turn hurts my credit worthiness. As I compare my XXXX  Score which shows XXXX, compared to my TransUnion score which shows XXXX, there is a huge discrepancy of almost XXXX points between the two. I have reached out to TransUnion to dispute, but their investigation came back as updated. They did not fix anything in their system. I would like the account reported properly, and my score updated to reflect my recent pay off of all my credit cards. 15 USC 1601 states the informed use of Credit. Their investigation is misleading, stating the there is a balance of {$35.00}, and a high balance of {$1100.00}. Where is this balance? Update the balance as XXXX 'd out as it should be, due to the fact that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  are paid off.
Consumer complaint received 2022-01-20
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. (VA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2023-04-05
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. (GA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX Balance : {$38000.00} ; XXXX XX/XX/2023.
Consumer complaint received 2015-12-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NC)

We are have been trying do a loan modification through a loss mitigation application with Green Tree Servicing now Dietech Financial, LLC. since at least XXXX 2015!!! We had a court date with a attorney representing Dietech and a XXXX XXXX courthouse employee on XXXX/XXXX/2015. That meeting ended with an extension until XXXX/XXXX/2015, because we had received via U.S. Mail a request for XXXX more documents of information Dietech needed for the XXXX. time!!! Dietech gave us 30 days to get that information to them and we faxed them all the information before the deadline!!! Instead of Dietech sending me another letter to save time, our last representative during that time frame called me on the phone and told me to refax some of the documents that did not come through to them clearly and that was done that day or the next day at the latest!!! This was confirmed by my Dietech representative via an XXXX minute phone conversation that I generated on XXXX/XXXX/15, because on XXXX/XXXX/15, I received a letter from Dietech, stating that the loss mitigation application that they were reviewing will not be reviewed at this time, because they did not receive all the requested information which they did!!! Dietech continues to stall the loan modification process by telling us that the information that we sent them already had either expired or they did not receive it all which they have, because the faxes went through to the right number!!! This is at least the third time that they have done this since XXXX 2015!!!
Consumer complaint received 2024-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Uplift, Inc (FL)

In XXXX last year I received notification about a collection account from a company called UPLIFT. The debt was for {$440.00}. I called the company and they advised that the debt was for an airline ticket to XXXX XXXX in XXXX of last year. I advised the company that I had never traveled via XXXX and that I have never gone to XXXX. I was subsequently put on to a collection agency and I advised them of this. They told me that I would hear from them in 30 days. I did not. On XX/XX/year>, I received a notice offering me a payment plan. I called the XXXX number on the notice and spoke with a XXXX who subsequently to my insistence that this debt was not mine hung up on me. 
This debt is not mine. I have my passport to prove that I never traveled to XXXX. I need their collection agency, XXXX XXXX to remove my name from their list of debtors.
Consumer complaint received 2023-04-05
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report :
Consumer complaint received 2023-04-05
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Experian and TransUnion to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX : {$33000.00}.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (TX)

Received a letter in the mail requesting a response from collection agency by XX/XX/XXXX. 

Today is the XXXX of XXXX and it hit my credit report on XX/XX/XXXX. To add insult to injury this account its referencing was under the Covid relief program, therefore I only owed {$100.00} of which was paid.
Consumer complaint received 2017-09-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Admin Recovery, LLC (IL)

CFPB, I lost my job back last year and my unemployment ended so I had no income at all and fell behind on all bills and XXXX XXXX just kept piling on fees, so no way I can pay it. I am twice widowed and insolvent. I sent a cease and desist letter to XXXX through IL Attorney Generals office months ago and now they sold the debt to a crooked collection agency ( Admin Recovery/XXXX XXXX XXXX XXXX ) who is harassing me by phone and mail!!! They are intentionally breaking the FDCPA!!! Please enforce the laws!!!! 

Thank you, XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2016-12-26
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (NY)

A Visa card owned by Elan Financial Services has been reporting that my autopayments have been " returned '' and fees have been added to my bill. This has been going on since the XXXX 2016 statements. I have attempted to pay the bill by other means but those payments as well have been " returned '' and further fees attached. I have checked with my bank and the bank reports that they have not rejected any requested payments. I have written to the companies asking for the fees to be reversed and for them to accept the payments and I await a reply.
Consumer complaint received 2022-07-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OH)

I have tried to get into my Experian several to access my account, and the email address is completely different than I have. I have tried to get into the email address, and that is not a email address or phone # i have ever had before. 
I have talked to an agent at least 6 different times over the past 3 days. 
I was told yesterday, and today that I have started a new credit account!? ( how is that possible? ) I was not on part of the credit breach, but someone decided to use my identity for the Ohio Unemployment last year. 
I hope you understand why I am stressing out! 
Please help me.
Consumer complaint received 2020-10-23
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: ClearOne Advantage, LLC (WI)

XX/XX/20 - I called ClearOne Advantage to cancel my account with them, due to a lose of income and not being able to afford their services going forward. I was told that the cancellation request was submitted and would be worked on. 
XX/XX/20 - I inquired on the status again of my account as I had seen that {$680.00} had been withdrawn from my bank account after I had requested to cancel. I was transferred to a representative that instead of listening to my request, would not honor what I was saying and tried to get me just to stay with the company. 
XX/XX/20 - I called ClearOne Advantage and was told that instead of just being able to cancel they are in turn going to charge me another {$3000.00} although I've been paying them well over the stated amount that was agreed upon during my initial signing with them. I feel that they don't take into account their clients and instead work on just getting people through their call log since they are working on commission. The settlements that they worked out for me seemed to have cost more in their fees to put money in their own pockets. They don't care about their consumers. I reached out for help from this company only to find that they aren't protecting me and my well being in the long run.