davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

My grandmother got her account remotely accessed and her money was transferred on Zelle not by her authorization she was under the impression that a bank employee was helping keep potential scammers out of said account. We contacted the bank on XXXX XXXX. On XX/XX/XXXX they denied it because they filed it as a scam instead of fraud. I just want her money returned to her as it was unauthorized and the bank wont do anything and make it seem like its her own fault that her account was accessed. They closed the checking account and were waiting to hear from them. XXXX XXXX XXXX is the people Makin it seem like its her own problem
Consumer complaint received 2020-05-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

Theres a collection account that isnt mine reporting to my credit report from Midland Funding , LLC, a company owned by Encore Capital Group. The open balance says : {$1000.00}. Original creditor listed : 01 XXXX  XXXX. 

I sent a validation letter to Midland Funding LLC. It was received by them on : XX/XX/XXXX ( view evidence ). As of XX/XX/XXXX my alleged debt to Midland Funding still has not been properly validated. This is my right granted under the Fair Debt Collection Practices ACT ( FDCPA ). They continue to report an unvalidated account on my credit report. Midland Funding LLC. has violated the FCRA by not providing a contract with my signature on it, in regards to this debt. 

I filed disputes with the credit bureaus. Midland Funding LLC reported they have investigated & validated the debt. Yet they have not been able to provide me with a true copy contract or other instrument bearing my signature to validate debt. Every attempt I have made to obtain the requested documents have failed. 

Theres no validation. This has to be deleted. All references to this account must be deleted & completely removed from my credit report. A copy of such deletion ( to all : XXXX, XXXX, & XXXX  ) requests shall be sent to me immediately. 

-- -- -- -- -- -- -- -- -- -- -- -- - In addition, Midland Funding LLC has had action & lawsuits taken against them for using deceptive tactics to collect bad debts : Midland Funding LLC had a judgement against them VS State of Texas for not acquiring consumer agreements and not providing them per alleged debtors request. I have requested a consumer agreement and have not been provided a copy of the agreement. This is against my federal rights to have incorrect unvalidated accounts reporting on my credit report. 

Midland Funding, LLC are facing a lawsuit out of Florida federal court that claims the companies used deceptive, misleading and unfair debt collection practices when trying to collect on a woman 's time-barred debt. 

Midland has a poor track record in regards to its collection tactics, which have resulted in fines from the United States Government and from individual states. Encore Capital Group , Inc. and Midland Funding , LLC, resolved a probe that alleged the companies collected money without verifying the money was actually owed. Reached settlement with 41 states The CFPB found that Encore attempted to collect debts that they knew, or should have known, were inaccurate or could not legally be enforced based on contractual disclaimers, past practices of debt sellers, or consumer disputes. The companies didnt have the intent to prove many of the debts ( XXXX XXXX. XXXX ). 

Their illegal actions have caused consumer 's credit files to be tainted with negative remarks, including myself.
Consumer complaint received 2020-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : SC XXXX, XXXX XXXX, XXXX, XXXX XXXX, SC XXXX, NES/ZION, XXXX  XXXX, Original Creditor, XXXX  XXXX XXXX, XXXX, XXXX XXXX, Company Inquiries : XXXX  XXXX  XXXX  XXXX XXXX  XXXX XXXXA XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX  PROPERTY XXXX XXXX  XXXX
Consumer complaint received 2023-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On XX/XX/2023 my landlord faxed in a bank verification letter to my bank. When I renew my lease it is required every year for the landlord to do so and the bank has always gotten back to her via fax with the letter within two days. 

The bank has not gotten back to her as of yet and the allowed time I was told by many citizens bank reps was XXXX business days for them to fax the info back to my landlord. I have sent the same fax everyday since from my fax and my landlord has sent in the fax a few more times as well. 

I have called citizens bank and immediately was sent to a call center out of the states and that individual could not locate the fax or the center at which my fax was sent to. I then called a few days later to follow up and got another call center person from out of the states and they as well said that is not their dept and they could not help me. I asked to be sent to a supervisor or manager several times and then got ahold of a person in the states and she was located at the customer service center in XXXX and she also said she couldnt locate my fax or my landlords fax cause that was not her dept and she gave me a number to the operations services dept and they would be able to help. Well that number is for collections and they could not help me as well. I called my local bank and asked if they could fill out the paper via drive up cause I am XXXX  and they said no cause the drive up is for quick processing only not to have papers filled out. 

I am so frustrated at this point in just trying to get a simple paper faxed back to my landlord so she can renew my lease. My landlord stated that other individuals who she has as tenants who are with citizens bank are having the same problem as me and she can not renew their leases as well till the bank gets back to her with that fax. Its a simple procedure I just dont get how its taking so long.
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

am extremely frustrated and disappointed that I am unable to retrieve my credit report despite numerous attempts to do so. This is not only illegal but also a complete disregard of my rights as a consumer. 

As someone who values financial responsibility, I make it a priority to regularly check my credit report and ensure that everything is accurate and up-to-date. However, due to the credit bureau 's neglect and disregard for their responsibilities, I am unable to access my credit report, leaving me in the dark about my credit standing. 

This is completely unacceptable, and I demand that the credit bureau take immediate action to rectify this issue. As a consumer, I have a legal right to access my credit report, and any attempt to deny me this right is a violation of the law. 

Furthermore, the credit bureau 's neglect is not only inconveniencing me but also potentially damaging my financial future. Without access to my credit report, I am unable to take the necessary steps to correct any errors or inaccuracies, potentially resulting in a negative impact on my XXXX XXXX and financial well-being. 

I demand that the credit bureau take my complaint seriously and take immediate action to rectify this issue. As a responsible consumer, I have taken the necessary steps to ensure that my credit report is accurate and up-to-date, and it is unacceptable that the credit bureau is neglecting their responsibilities and denying me access to this information.
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XXXX  UNFAIRLY IS REPORTING INACCURATE CREDIT INFORMATION PLACING CREDITORS ABOVE CONSUMERS. XXXX  has a Financial Duty to VERIFY INFORMATION REPORTED IS ACCURATE. See attatched XXXX  Dispute Results # XXXX XXXX USAA SAVINGS BANK XXXX XXXX WAS NOT OPENED BY ME. I REQUESTED DRIVERS LICENSE AND SIGNATURE TO OPEN THIS ACCOUNT BE VERIFIED BY XXXX  THEY DENIED. ( Kindly Note REINVESTIGATION OPTIONS ARE TO CONTACT THE PROVIDER OF THE IN CORRECT REPORTING. THIS COULD NEVER BE A FAIR FIX FOR CONSUMERS. ) I demand XXXX  **** VERIFY THIS ACCOUNT WITH DRIVER 'S LICENSE AND SIGNATURE TO OPEN IN MY NAME XXXX OF XX/XX/XXXXOR DELETE IMMEADIATELY ***** Verify Address ID # ALSO PLEASE XXXX as my Address. Please Provide XXXX ACCESS TO DISPUTE DIRECTLY WITH XXXX  LINK.
Consumer complaint received 2023-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Opted out with XXXX about a year ago. Citizens does provides info on XXXX opt out of prescreen unsolicited offers with their unsolicited offers that I continue to receive, but they ignore opt out requests! Additionally, I have mailed credit card offers offer back to Citizens, asking them to cease and desist, as I have opted out.. Citizens mailing envelope for offers contained a return address along with an individual employee named XXXX XXXX XXXX HEAD OF CONSUMER CREDIT CARD, CITIZENS ( SEE ATTACHED DOCUMENT ) as the party responsible for sending the unsolicited credit card request even though opted out. I recently added opt out forever with XXXX, but I doubt Citizens will honor such
Consumer complaint received 2023-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a moving company " XXXX XXXX XXXX '' and used XXXX for a couple of years. When I opened a new account with Bank of America ( I had an account before with XXXX XXXX  and never had any issues with the merchant ). It was a suggestion from BofA to work with XXXX as a merchant Service. I agreed, signed papers and continue my business. XXXX XXXX started to freeze the transactions for weeks. My account was passed to a risk department. The person who handled by XXXX XXXX XXXX She never sent me emails all communications were via phone calls, her number is XXXX. So the transaction money kept be frozen. In XX/XX/XXXX I got a call from her ( XXXX XXXX XXXX and she told me that if I want to keep using their merchant service, I had accept their terms or find a new merchant. I was frustrated, because my business was running, and it was a peak of a season, I couldn't stop my business in the middle and find a new merchant. I agreed for the new terms. The new terms were that I have to agree for them XXXX XXXX XXXX department hold a security deposit of Some % of my current transactions, that was {$15000.00}. XXXX XXXX said that XXXX department had to hold that {$15000.00} for ONE year. After ONE year the deposit would be released. It was in XX/XX/XXXX. I agreed. So, in XX/XX/XXXX I contacted BofA to find out when my {$15000.00} would be released. They couldn't find it on their end but connect me with a couple XXXX representative, XXXX XXXX XXXX : XXXX and XXXX XXXX email : XXXX : XXXX. After a long search XXXX finally found out that RISK department hold the deposit, but they don't disclose the amount. Moreover, XXXX told me that ONE year deadline would pass after XX/XX/XXXX. I contacted him by email again on XX/XX/XXXX and he said that he would escalate it to the risk department. He got back to me on XX/XX/XXXX and said that he sent all my information to the risk department and they should contact with me directly. It was XX/XX/XXXX. Since then I sent XXXX a few follow ups and he replied back to me XX/XX/XXXX saying that the request to release the balance was sent to the RISK department and they should contact me directly. Moreover, he said that he contacted with his management to see what the next steps would be. Ok, I agreed that it could take time, but not 3 months! No response from the risk department. They are very ghosty, no emails, no phone numbers, no information about them. XXXX XXXX, who placed the deposit on hold only contacted with me by phone, not emails, no recorder traces of that deposit, but it was hold. Now, I have concern how legit were your actions? I got a call from an XXXX representative, didn't catch his name, he asaid he would resolve it. But since then no him no anyone else. Also, he mentioned that the case was opened by XXXX XXXX was dropped, without notifying me. All of them just disappeared. 
I need the money back and make the bank be responsible for their actions.
Consumer complaint received 2019-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANNER CORPORATION (WA)

My husband passed away in XXXX. My bank statement for XXXX showed social security deposited his money into our account, three days later it was taken back out. I assumed social security did this. My appointment with social security wasn't until XX/XX/2019. I asked about them doing this, social security informed me they did not take back XXXX 's money because that check was for XXXX. He said my bank did that to me. I stopped by our bank, Banner Bank, to ask why they did this to me and how they had the authority. Also they did not send me any kind of notice.They said it was their bank policy, I asked many times to see their policy and it was never given or shown to me. They did not have the authorization to do this, not from me and not from the social security office. Not to mention what they did to my finances at the time also dealing with my husbands death. I know I am not the only one they have done this to. I plan on leaving Banner Bank and spreading the word on how they do business.
Consumer complaint received 2020-05-29
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. (SC)

A letter was sent to Equifax on XX/XX/2020 via USPS Certified Mail # XXXX containing a direct dispute of the items in question under 15 U.S.C. 1681i, Section 611 ( a ) ( 1 ) ( A ) as well as a Memorandum of Points & Authority under FCRA 604, 609, and 611, Fair and Accurate Credit Transaction Act ( FACTA ), and Consumer Financial Protection Bureau ( CFPB ). Equifax was asked to provide completeness of records and valid proof of verification ( s ). The letter/matter did not get the attention it deserved as no valid proof or evidence was provided, amounting to entries/statements being made and " verified/validated '' without first-hand knowledge ( which is a crime ). The matter is hindering my ability to obtain credit/financing as well as infringing on my right to Life, Liberty and the pursuit of Happiness. Thus, escalating actions are being taken. [ Evidence Attached ]
Consumer complaint received 2023-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I have a credit card with XXXX Bank. I am usually very punctual with my payments. However, during the pandemic lockdown, we were forced to make some very difficult decisions for our finances, resulting in four late payments. This organization placed four negative marks on my credit because of these late payments. I recently contacted them to ask if they had any pandemic forgiveness programs to have these removed. They claimed that they sent me a notice during the pandemic that would have helped my situation, but there is nothing they can do now. According to them, I am stuck with these negative marks on my credit.
Consumer complaint received 2020-09-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SCA Collections, Inc. (CA)

I am a victim of unfair business practices and negligence. SCA Collections is acting against my rights. they are also re-aging the following accounts : SCA Collections INC # XXXX, opened date reported : XX/XX/XXXX, high balance {$100.00}. Status : closed. 
2. SCA Collections INC # XXXX, opened date reported : XX/XX/XXXX, high balance {$100.00}. Status : closed. 

My demand is that they stop collection activities and send a notice to the 3 major credit bureaus for these 2 items to get removed from my report. this situation is making me pay high interest rates and stopping me from getting credit opportunities. 

Please send the attached documentation to the company. 

Thank you.
Consumer complaint received 2023-02-08
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: CITIZENS FINANCIAL GROUP, INC. (CO)

Hello. I was a victim of Identity Theft and early in XXXX ( XXXX ) I've discovered numerous fraudulent accounts open under my name. I have immediately initiated credit freeze on all 3 Consumer Credit report agencies. I have also filed ID Theft report with Federal Trade Commission and filed Police Report - copies are attached ( XXXX XXXX ). I have also disputed the accounts with all three credit agencies. As advised by the police, I have sent the package with Identity Theft Affidavit, copy of the FTC report and Police report to each of the credit companies. Most of the creditors cleared the fraudulent records from my Credit Report, however there were few that mailed back saying that per their investigation they believe the accounts belong to me. These accounts are now under collection status. I have called them ( In XX/XX/XXXX since I had a baby in XX/XX/XXXX and was busy with baby ) and asked to re-open the investigation and requested to send me the list of transactions that are associated with the accounts ( per FCRA Section 609 ( e ) ), however they refused to do so. I am stuck and don't know how to proceed further. I am asking to please look into this matter and help me resolve the remaining fraudulent records in my credit reports : 1. XXXX - Loan - {$10000.00} - I spoke with XXXX XX/XX/XXXX. The case # XXXX. This is now the third case and the previous two did not have any resolution 2. Citizens Pay Credit Line - line of credit. I spoke with XXXX XX/XX/XXXX and I was told that there is nothing they can do, as their investigation shows that the account is valid. Again, I have not received any benefit from these accounts. 

3. XXXX XXXXXXXX - credit card. I spoke with XXXX XXXX fraud department supervisor XX/XX/XXXX and I was told that there is nothing they can do, as their investigation shows that the account is valid. Again, I have not received any benefit from these accounts.
Consumer complaint received 2023-02-04
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. (CA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX  : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX  : {$0.00} ; DEPTEDNELNET XXXX XXXX  : {$0.00} ; XXXX XXXXXXXX XXXX  : {$0.00} ; XXXX XXXX XXXX  : {$0.00} ; XXXX XXXXXXXX XXXX  : {$0.00} ; XXXX XXXX XXXX  : {$0.00} ; XXXXXXXX XXXXXXXX XXXX : {$0.00} ; XXXX  XXXX XXXX  : {$0.00} ; XXXX  XXXX XXXX : {$0.00} ; XXXX  XXXX XXXX  : {$0.00} ; XXXX  XXXX XXXX XXXX XX/XX/2021 ; XXXX Inquired on XX/XX/2021 ;
Consumer complaint received 2023-02-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TN)

I had a XXXXXXXX XXXX XXXX administered by Comenity Bank. I made a final payment of {$46.00} in mid-XXXX XXXX and asked that the account be closed. 
**On XXXX XXXX XXXX, I received a letter from Comenity 's Customer Care Team . The letter states three specific points : ( 1 ) " Your account is now paid in full. Your talbots credit card balance has been {$0.00} since we received your payment of {$46.00} on XX/XX/XXXX. '' ( 2 ) " We've closed your account, as you requested. '' ( 3 ) We've shared this information with the three major credit bureau reporting agencies. '' Taking the letter at its word that the account had a XXXX balance and had been closed, I assumed the account had indeed been closed and never used the card again, making no further charges or payments. Neither XXXX nor XXXX ever reported it as an open account since XX/XX/XXXX. 

**On Friday, XXXX XXXX XXXX, I received a notice by email that my account was " seriously overdue. '' The notice included a current balance of {$160.00}, apparently in accumulated interest and fees on an account with a XXXX balance as of XX/XX/XXXX and no further use since that time. 

**On Wednesday, XXXX XXXX XXXX, I spoke by telephone with " XXXX XXXX a Comenity Customer Retention Specialist. She informed me that I had no option but to pay the accumulated balance. 
I want to pay what I legitimately owe, but I do not believe I should be forced to pay interest and late fees on an account that was reported to me to have a XXXX balance, that was closed more than eight months ago, and that has not been used since. Please look at this matter and give me some assistance. 

Respectfully, XXXX XXXX