davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank of America reportedly announced me as guilty of check fraud because I had reported it and drawn funds against a check I had deposited. This was then used against me by XXXX XXXX  using XXXX   XXXX  as a credit reporting agency. 

XXXX  is waiting for an associate with XXXX XXXX to admit that she had made payment arrangements before the payment was late. This has since been paid in full but still holds up my credit report somehow, further impeded by the multiple efforts to get a mortgage refinance so I can get out of debt sooner. These inquiries, about 50-60 total, also hold up the process.
Consumer complaint received 2020-09-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

ATTENTION DISPUTE DEPARTMENT TODAYS DATE:XXXX MIDLAND CREDIT MANAGEM XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAGEM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1975 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-09-02
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. (GA)

The following items are incorrectly reporting : Incorrect Address : XXXX   XXXX Incorrect Address : XXXX XXXX XXXX The status is incorrect on the following items : XXXX/XXXX XXXX  - Date Opened : XX/XX/XXXX ; I was never late 30, 60, or 90 days late from XX/XX/XXXX - XX/XX/XXXX Credit Central - Date Opened : XX/XX/XXXX & XX/XX/XXXX ; I was never late 30 or  60 days late from XX/XX/XXXX - XX/XX/XXXX Credit Central - Date Opened : XX/XX/XXXX & XX/XX/XXXX ; I was never late 30 or 60 days late from XX/XX/XXXX - XX/XX/XXXX Incorrect Public Record Information : I never filed Chapter XXXX bankruptcy ( XXXX  ) I never authorized the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX - 2 Times 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 2020-09-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (NY)

I chose checking accounts and bank closed my accounts because it is the genesis of my problem in fact the chain effects of it encompasses many of the choices options in the previous page. 
I had 3 accounts with TD BANK a checkin, loan, and credit card I use the checking account to transfer payment to the loan and credit account, in XX/XX/2020 I reached out to the bank requesting a relief having being affected by covid19 disaster the bank went ahead and deferred my installment payment to XX/XX/2020 my due date is the XXXX of every month so they make me skip 3 months when XX/XX/XXXX reached I wasn't able to make a prompt payment so I reached out to them again and was told that I have 15 days grace period from the XXXX. mean while I wasn't making any money therefore couldn't keep {$100.00} minimum on my checking account, that attracted a {$15.00} a month fee anytime I go below {$100.00} and the bank has a policy of closing accounts that are consecutively negative for 59 days so the fees brought my accounts to negative however twice within the 59 days I was able to get the bank 's representative to reverse the fees and therefore bring me to positive this happened on XXXX XXXX and XXXX XX/XX/2020 respectively so I tried to make my loan payment within the 15 days grace period I have so on the XXXX of XX/XX/2020 I made a deposit of {$250.00} to my checking account via my bank 's ATM I already had $! 0 in my account that brought to {$260.00} my loan installment is {$240.00} so I transferred {$240.00} to the loan account I knew I'm ok until I checked my XXXX credit report a month later to my dismay the bank has reported missed payment, I called the bank and they said my payment was returned due to lack of funds I insisted that I have funds at the time of payment but they said my checking account has been closed on XX/XX/XXXX XXXX.I told them as of XX/XX/2020 my account is very much alive because I made a deposit of {$250.00} and before I made that deposit I had {$10.00} in the account, they were able find out that indeed I did made the deposit and that the money has been in their possession all along so I asked why was I able to make a deposit if my account was closed and the answer they gave was that the account was in the process of closing but not complete. 
I asked how is this my fault? if my account is close I shouldn't be able to make a deposit, I shouldn't be able to make transfer I was told not worry they re gon na fix the problem so they sent me to a branch where they issue me a credit and advice me to open a new account so they can deposit the credit and then I can use it to effect the supposed late payment and after that they will take steps to rectified the remarks they made on my credit report I obliged. but they refuse to correct the remarks even though it was their system error that caused me to default I tried everything I could they insisted that their reporting is accurate please help me
Consumer complaint received 2020-09-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AZ)

After a XXXX in diagnosis XX/XX/2020 and XXXX there are many bills to pay not just our mortgage. Carrington Mortgage is not helpful at all. Even though I let them know this at the beginning of our situation. They require thousands of dollars to get current and right now we can do payments but they are not willing to work with us to accomplish that. There is money being held in suspense and we just mailed additional money XX/XX/2020. They informed me today that if that money is received they probably will not accept it, that is just down right XXXX. We have spoken to them on several occasions some of the representatives are friendly and caring and want to help and some are downright rude. Telling us our home is in foreclosure, when it really is not ( yet ). We have no where to go to borrow money and no real resources at this point. What to do? We are scared.
Consumer complaint received 2020-09-02
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. (CA)

My credit score was lowered by 19 points due to XXXX raising my credit score, and when I did not use the available credit, they lowered the credit line which caused my credit score to drop. It look as if the company lowered my credit line. My payments have been on time for the entire time the account has been oprn.
Consumer complaint received 2020-09-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

Hello, I am contacting you today regarding a fraudulent matter that began in XX/XX/XXXX within the Wells Fargo XXXX, Pennsylvania branch. I am providing the following information to help clarify the present circumstances. 

My husband and I are divorcing. He is the account holder at Wells Fargo. I have my personal and business accounts with XXXX XXXX. We did have a joint personal checking at XXXX XXXX  which was closed in XXXX after he removed all of the funds leaving me with our XXXX children at home, XXXX newborn in the XXXX and {$200.00} after my filing for a Protection From XXXX  Order and for divorce. We ultimately decided to try working on our marriage and in the process I chose not to reopen a joint account with him during this time. All of our monthly expenses as well as credit card payments were paid from his accounts, all of the payments being made online by me on our home computer with the exception of two checks for tuition and mortgage. His bank statements will show that these payments were made this way for years. All credit cards were in my name and we used them to purchase everything personally, home related and for both of our businesses. The cards were paid from either of our checking accounts. 

In XX/XX/XXXX he left our marital home where I reside and single parent our XXXX children. There was no contact from him for 4 months after he left the home and in this time I continued to pay our expenses the way we always had paid them knowing we would ultimately have to work that out in court through divorce proceedings. In XX/XX/XXXX, Mr. XXXX and Wells Fargo unauthorized any and ALL payments that I had made from his account to four different credit cards spanning back as far as purchases made in XX/XX/XXXX for our children 's XXXX gifts. The current total of the chargebacks to date is {$130000.00} which includes {$17000.00} in interest and late fees. My credit cards credited back over $ XXXX to my husband 's Wells Fargo account, he then withdrew the funds and closed the account. The credit cards are now coming after me for the funds and include purchases all the way back to XX/XX/XXXX. As my ex husband 's bank statements will show, payments to these credit cards were being made from his account for two different tax years. His bank statements go to his private XXXX. XXXX XXXX to which only he has access. Aside from this, Wells Fargo 's Deposit Statement agreement, page 11, clearly states that this should not have occurred at all let alone as far back as it  did. Someone within Wells Fargo not only completely ignored this policy, but aided my husband in fraud that has destroyed my credit and created undue stress in an already stressful divorce. 

XXXX link to video summary : https : XXXX
Consumer complaint received 2020-09-02
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX SSN : Transunion XXXX. XXXX XXXX XXXX, PA XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. Item # 1 : I disput
e XXXX XXXX XXXX, Reported balance {$270.00}, this account is not mines. This company has not sent me any notification of debt. By FTC Law I have to be notified of debt and given 30 days to dispute. This company has broken law and this account needs to be deleted ASAP.

Three inquires are not mines or authorized. 
XXXX Inquiry from XX/XX/2020 Finance XXXX/XXXX Inquiry from XX/XX/2020 Bank XXXX XXXX Inquiry from XX/XX/2020 Bank Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Consumer complaint received 2020-09-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service (MD)

This debt was already paid in full. I have a {$0.00} balance with this company. I was informed that if i paid it off in full that the account will no longer reflect on my credit report and it still reflects. This is hindering me from obtaining future credit. Im extremely upset that this has not been resolved as this is my 2nd complaint with the company and CFPB. I have proof showing that my account reflects a {$0.00} balance.
Consumer complaint received 2020-09-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc. (AL)

This company has extremely high interest fees and should be illegal. I quickly found myself in a situation I couldn't afford so the account was charged off. I was called within a couple of months with a settlement offer of less than {$600.00} which I accepted. The company offered to delete the charged-off account from my credit history if I accepted and paid the debt that day which I did. I am still showing the debit is unpaid on my history as well as that I still owe the full balance. This company not only takes part in predatory lending, but they also take part in predatory collecting of debts. Please delete this from my credit history ASAP.
Consumer complaint received 2022-10-03
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. (PA)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2020-09-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (CA)

On XX/XX/2020 at XXXX, I called Resurgent Capital Services for a collection account owned by LVNV Funding for an old credit card with XXXX XXXX XXXX . The representative stated that her name was XXXX. We discussed the collection for {$660.00}, and I asked for a settlement amount. She put me on hold and when she returned she advised that she could only give a settlement for {$390.00}, and that would resolve the account and within 30 days it would be removed from my credit reports. So I paid the amount in full of {$390.00}. I received a letter dated XX/XX/2020, showing that I had made a payment and now my remaining balance was {$260.00}. The rep promised that the account was resolved and advised me that I didnt have any other accounts with LVNV Funding. I would like the remaining balance removed and the account deleted as promised.
Consumer complaint received 2020-09-02
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. (VA)

I contacted the XXXX  XX/XX/XXXX in reference to an account with XXXX. After the XXXX contacted them I got a call from someone in HR 3 weeks later saying they were working on my complaint and someone would address it in a few more days. I called back several times before I reached someone who saw the notes on the account indicating a settlement offer could be initiated. I was told the  settlement offer was {$1100.00} and it could be sent overnight to XXXX XXXX XXXX XXXX DE XXXX. I was pre-approved for my mortgage XX/XX/XXXX. I was told this account was still showing an open balance of {$2500.00}. It was never updated to " balance XXXX, settled for less than the full balance. On XX/XX/XXXX, myself, my lender, and the credit department from my lenders office called on a conference call, and was told the payment was received and I owed nothing. Fast forward to Monday XX/XX/XXXX I called XXXX inquiring about why the debt hasnt been updated on my credit report and I was told because I didnt pay the entire balance. I asked the rep to review the notes on the account, which she did. She came back and apologized after seeing the notes, gave me a reference number XXXX and no explanation as to why 3 months have passed and this has not been updated on my TU credit report. They acknowledged the payment had been received and I know it was received because it was sent certified mail. I need it DELETED from my credit report at this point. Calling is a hassle because a person will be transferred 3-4 times before getting to the correct department and the problem still will not be resolved.
Consumer complaint received 2020-09-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Risecredit, LLC (AL)

This company has extremely high interest fees and should be illegal. I quickly found myself in a situation I couldn't afford so the account was charged off. I was called within a couple of months with a settlement offer of less than {$600.00} which I accepted. The company offered to delete the charged-off account from my credit history if I accepted and paid the debt that day which I did. I am still showing the debit is unpaid on my history as well as that I still owe the full balance. This company not only takes part in predatory lending, but they also take part in predatory collecting of debts. Please delete this from my credit history ASAP.
Consumer complaint received 2020-09-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-09-02
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. (GA)

The following items are incorrectly reporting : Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX The status is incorrect on the following items : XXXX/XXXX XXXX - Date Opened : XX/XX/XXXX ; I was never late 30, 60, or 90 days late from XX/XX/XXXX - XX/XX/XXXX XXXX XXXX  - Date Opened : XX/XX/XXXX & XX/XX/XXXX ; I was never late 30 or  60 days late from XX/XX/XXXX - XX/XX/XXXX XXXX XXXX  - Date Opened : XX/XX/XXXX & XX/XX/XXXX ; I was never late 30 or 60 days late from XX/XX/XXXX - XX/XX/XXXX Incorrect Public Record Information : I never filed Chapter XXXX bankruptcy ( TU ) I never authorized the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX - 2 Times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX/XXXX   XXXX  XXXX