davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-16
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2015-09-08
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Listed XXXX, XXXX Portfolio Recovery Associates, Portfolio Recovery A, original debtor : XXXX, listed as open account, charged off by original.debtor,, last pd XX/XX/2007. Different C/R removal dates.
Consumer complaint received 2016-04-01
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (AL)

I have a daughter that lives here XXXX but works out of XXXX. I went to MoneyGram Payment System inside of Wal Mart XXXX to send her XXXX dollars which they charged me XXXX dollars to sent so that she could get her car out of the shop. I started this transition with them at XXXX. My daqughter went to Wal XXXX in XXXX XXXX on XXXX XXXX to pick up her money and they would not release it to her she had the reference number and the pin number XXXX made a call they put me on hold I was hung up on XXXX trying to get her the money before the car shop closed explain this to the operator XXXX with no help except getting a lost call w I then went back to Wal Mart to try and get a refund or to get the money push through and they had pit a block on my cash money that I had given them. I called and the Wal Mart employee called we were XXXX on hold until XXXX before we could get any help and then he ask all kind of questions by the time we got everything cleared the body shop was closed so my young daughter has to find a hotel for the night and now she has to find a way back to Wal Mart to try again to get her money and then to get her vehicle. This was the first time I ever used Money Gram and I promise you it is my last. remind you they charged {$54.00} just to go throught all this.
Consumer complaint received 2015-03-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

someone wrote me a bad check. the bank deposited it, the money was there for 5-7 days. Then they took the money out of my account, overdrafting it as well. so i fixed it all. they got their money back and i continued to deposit again. Then they froze my debit card. So i went to the bank manager, at Charter one bank in XXXX ohio, and she said there was nothing wrong with my account and got me another debit card. It worked once, then they froze all of my money in the account. i did nothing wrong and i need my funds desperately. i just want to close the account and they wont let me.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

Consumer NOTIFICATION of unproven and or Faulty Transfer and Payment Record information, untrue information, incorrect facts, incomplete data, not certified amenably recorded details or else wise not adequate of mandated validity and of applicable and mandatory reporting standards, to include but not limited to those requisites by the FCBA, FCRA, FDCPA, FACTA, HIPAA PR, TILA, and or XXXX ( XXXX XXXX Compliance format ) reporting regulations.
Consumer complaint received 2022-07-19
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. (GA)

Hi! I have been trying to get this XXXX XXXX  Bankruptcy XXXX XXXX XXXX removed from my credit report. Someone opened a XXXX  XXXX bankruptcy in my name years ago. It was listed on Equifax. I disputed them and Equifax removed it. However XXXX and XXXX did not remove it. Also there is a car loan by the name of XXXX XXXX account number XXXX opened XXXX. This account was fraudulent opened in my name without my consent. There are numerous hard inquiries opened in my name without my consent. XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

All credit reporting bureaus must be accurate with reporting on all 3 bureaus.

In Accordance with Fair Credit Act Credit Chapter 7 bankruptcy and Indy Dealer has violated my rights. 15 U.S.C. 1681 Section 602 A states I have a right to privacy. 15 U.S.C. 1681 Section 604A Section 2. It also states A consumer reporting agency can not furnish an account without my written consent, I have also attached the certified letter sent from Us Bankruptcy court stating that they don't provide information to the credit bureaus, There is no way they verify with them like the Fair Credit Act act states for them to do.
Consumer complaint received 2016-03-03
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

I received a phone call from my HR department on XXXX/XXXX/XXXX at XXXX XXXX stating that Cash Central had called them and was looking for me and that they should n't be calling me at work for personal reasons and need to call my cell phone or home number only. They still call my work number and references on my account that I do n't even speak to or deal with. The refernces they have on file are from XXXX.
Consumer complaint received 2016-01-06
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

XXXX XXXX does not honor their over draft policy and bank of America co horsed and did n't give me my overdraft services like my banking contact says. Then they give me a low daily limit so i cant get all my money at once.
Consumer complaint received 2022-08-08
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)

I asked the credit bureaus to a verification of some of the accounts listed on my report. They did and stated everything was verified. I did research after them and still found improper inaccuracies even after they did research. 

Account names XXXX Account no. XXXX XXXX XXXX XXXX Account no. XXXX XXXX XXXX XXXX Account no. XXXX XXXX XXXX Account no. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act XXXX Accounts XXXX, XXXX, XXXX, XXXX, and XXXX quick recover has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2016-03-07
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MA)

I contacted Wells Fargo today and they informed me they have not received all documents for review for modification.I sent them overnight mail last XX/XX/2016 and they were received XXXX/XXXX/2016 XXXX /Yet they deny the items requested complete mind you for the underwriters.in the meantime their delay is allowing them to continue foreclosure proceding.They did this before they keep asking for documents they say will complete the process but then keep asking for more.if wells fargo keep asking for more documents outside what they original requested the IT IS TECHNICALLY IN REVIEWAND FORECLOSURE NEEDS TO CEASE.THEY ARE BEING SNEAKY .PLEASE INTERVENE BEFORE I LOSE MY HOME.
Consumer complaint received 2021-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

I am writing in response to collection, Act. # XXXX, XXXX XXXX, in the amount of {$200.00}. I am in receipt of your response, dated XX/XX/2021. Providing a bill is not proper validation that I, XXXX XXXX, owe a debt to I.C. System, Inc., or XXXX XXXX. You, nor XXXX XXXX, have produced a dated contractual agreement upon which I entered and agreed to establish a relationship. 

I am victim of identity theft and would like I.C. System to provide proper VALIDATION, above verification, of any relationship established. I am exhausting all efforts to quiet this claim, and also aware of legal remedies, that could be costly, to have I.C. System, Inc., prove in a court of law that this debt is valid If I do not receive proper validation within 45 days or less, you are obligated to have this negative reporting removed from my credit file permanently. This letter is in accordance with FDCPA, 15 U.S. Code 1692g. ; FCRA, 15 U.S.C. 1681-1681x.
Consumer complaint received 2022-06-09
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. (WA)

In accordance with the Fair Credit Reporting act XXXX Account # 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. 

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 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 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 XXXXn accordance with the Fair Credit Reporting act XXXX Account 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 2016-03-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: U.S. Collections West, Inc. (AZ)

I was court ordered to have a wage garnishment in the amount of {$1600.00} for monies owed to an old apartment complex and it was to be paid through this US Collections West, with a court ordered interest rate of 4.25 % per annum. Per my employers payroll, I fulfilled this balance last paycheck and last week my manager received a phone call from XXXX XXXX who is handling my case at this agency and told her she was going to file an injunction against her and my employer as a whole for not sending them money. When my boss told her the balance was paid in full per payrolls records, XXXX continued to be rude and belittling to her, advising her there were still court fees and interest to be paid and that 's where the additional {$500.00} was coming from. When my manager asked her where she got that balance from because my interest accrued over 1 year would only be around {$75.00} and it had not even been a year since the judgment was entered, XXXX became even more rude and claimed they were charging interest monthly at 5.88 % on the balance owed. When my boss asked her to explain how this could be since the court order said it was interest accrued per annum, she had to hand the phone off to somebody else, a gentleman, who broke it all down for her. But it still did not add up. I have called the XXXX XXXX XXXX XXXX where my court case from last year was held, and they too are under the impression that my judgement would be met if I had paid the {$1600.00}. The collection agency should NOT have a different interest rate than the court document, and part of the {$500.00} balance included court fees ( per XXXX ) which the court stated I paid as part of my original balance. I have all the documentation of the fees, what was ordered to be paid and what was paid. What was included in the balance, etc. XXXX XXXX is RUDE, BELITTLING, and made me feel like a was the lowest piece of scum on the planet. I want to do whats right, but do not believe I owe them an additional $ XXXX I have all my court documents and proof that the court fees they are trying to charge me again were also included in the original balance as well.
Consumer complaint received 2021-03-27
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)

Transunion has wrongfully furnished information on my account. i called several times and they denied my right as a consumer to dispute this fraud on my account. This is ruining my credit reputation. this is a violation of my consumer rights under 15 usc 1692f. This insane. i woke up and saw 3 random inquires on my report XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Finance other than personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 2023
Consumer complaint received 2015-03-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (CA)

They are calling upwards of XXXX times a day, often with repeated phone calls occurring within minutes of each other. They are also switching phone numbers every few days, making it very difficult to get them to stop calling. 

In addition this company, despite having called in excess of XXXX times, has never left a single voice mail message. 

Finally, based on the calling pattern and lack of messages, it appears that the company is improperly using automatic dialers ( ie, robo dialing ), which we have never given consent to, putting them in violation of the the XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2016-05-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been disputing identity theft with a XXXX account that was fraudulantly opened up in my name. I disputed this information with all XXXX credit reporting agencies. XXXXtransunionXXXX. I have also attempted to contact XXXX ( I have no acct number ) to report this theft. I also requested a fraud form to fill out for there investigation as this happened to me with a XXXX credit card as well. XXXX sent me a fraud investigation form which I filled out and returned so they can do there investigation. I received confirmation that they did there investigation and it was proven that I did not open this account and it was fraud and it is to be removed from my credit reports. However XXXX has still failed to send me the form and the credit beaurous just keep updating the incorrect information. I am fustrated and aggravated that I am spending countless hours and time trying to get this fraudulant information off my credit reports. I am submitting this complaint in hopes that they finally do a proper investigation and remove this from my report as it is affecting my credit score and affecting me in obtaining credit.
Consumer complaint received 2016-02-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Scheer, Green & Burke L.P.A. (KY)

Called about a debt with a cable company in XXXX, OH. The debt is apparently from a cancellation fee due to the fact that I moved out of the service area. I never signed or agreed to any such fee. When I called back, representative did not verify any information on myself and threatened to garnish wages, send to a lawyer and other actions.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

Hello, on XXXX, XXXX XXXX  I went to XXXX to finance a used vehicle. At the time of finance, I only authorized for my credit to be checked once in House. Now that I am reviewing my credit report, it appears that my credit was ran multiple times. This is affecting the number of inquiry that I have on my credit report, and it has a significant impact on my credit score.
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 — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION (KY)

I have a Truist credit card that was set up with auto-pay from my XXXX checking account. Everything was working fine until XX/XX/XXXX, at which time an XXXX debit with the same description and merchant ID as my previous auto-payments appeared on my XXXX statement. The issue is that I had no balance that month, so there was nothing to pay. This happened again on XX/XX/XXXX and once again today, XX/XX/XXXX. I contacted Truist by phone and by chat on their website on both previous occasions and was told that I had no balance so it couldn't have been them, yet the evidence shows otherwise. They refuse to escalate and I've had to dispute these debits with XXXX each time. I'm now going to be forced to open a new checking account to ensure that these erroneous debits don't occur in the future. I'm guessing that in their transition from BB & T to Truist, my checking account information got applied to someone else 's account during data migration because the amounts have all been fairly small and occur at the normal time of month that previous, legitimate auto-payments were made.
Consumer complaint received 2015-08-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (VA)

I filed a complaint against Ocwen XXXX weeks ago in response to the XXXX dispute. 
Complaint # XXXX. Ocwen has continued to ignore my request to remove inaccurate late reporting on acct. # XXXX
Consumer complaint received 2015-10-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AmerAssist A/R Solutions, Inc. (GA)

A debt was incorrectly reported by XXXX XXXX XXXX in XXXX GA in the name of my daughter for unpaid rent. She had been taken off the lease by the apartment complex and the debt was not hers. She received repeated calls from XXXX at Amerassist AR Solutions. I finally had to get involved to fix the problem. The apartment complex is having the error corrected and several people at Amerassist are aware that it is an incorrect debt. I received another call this morning from XXXX at Amerassist. He refused to listen to anything that I had to say even though I told him I had been in contact with his supervisor to have the situation corrected. He told me it was my daughter 's debt and it would negatively effect her credit. I tried to explain the situation to him several times and he was extremely rude and unprofessional. I myself worked in the credit industry for 10 years as a manager and would not have my employees act this way to a debtor. If this is the way they encourage their collection agents to behave then there is a problem. Thank you.
Consumer complaint received 2018-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (SC)

I enrolled at XXXX XXXX based on lies that the enrollment person said to me. First off, I was lied to about the loan process and how many loans I would have. I was told I would have 1 private loan and 1 Federal loan. I ended up having 9 different loans. 3 Private and 6 Federal. I was also lied to about credits transferring to other schools. None of my credits can transfer. I have called 4 or 5 different schools and none of them will accept XXXX XXXX credits. I was enrolled from XXXX to XXXX. I did complete my degree but have been told many times that the degree isn't worth the paper it is printed on. I am lost and have no idea what to do. I was lied to from the get go. My loans have grown from {$40000.00} to $ 60,000+. I am currently paying on the Federal loans through an IBR which has been a struggle from time to time. I'm not rich and I live week to week like most folks do. At first the payment was around {$54.00} a month for the first year. The next year it went up to {$140.00}. And now the payment is {$360.00}. I can't afford this at all. I am paying on a degree that is worth nothing. I have had other folks that I attended XXXX XXXX with and they have somehow had their loans discharged completely. When I contact Navient I get told that they can not discharge the loans. I really need help. I have started contacting Lawyers to find out my options based on being taken advantage of and lied to by the school and the loan provider. I went through a job interview and the gentleman was looking over my resume and laughed because I attended XXXX XXXX. He said that it was a school built on lies and that the degree isn't worth anything. And in all my research it is true. No school will accept it and I have been told that I will have to start from scratch again to obtain another XXXX degree.Please Help