davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called XXXX XXXX collections agency and asked for a 1099-c form they refused to give it to me. They are still reporting the credit card on my credit report and its been closed since 2018. I would like for you to investigate this or if you can eliminate this from my credit.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (MI)

On XX/XX/2022 TD Bank deposited by stolen check # XXXX into XXXX XXXX 's account. My stolen check # XXXX was washed and all fields were rewritten and the amount changed from {$78.00} which I have on my carbon copy to {$5200.00}. The check issuer XXXX XXXX states all their checks are protected by XXXX. The security features on the back of the check are all missing- the back of the check is white without the water markings and other security features- my signature is completely different on this check. Yet, TD Bank, deposited money from my checking account into XXXX XXXX 's TD Bank account. When my bank submitted a warranty claim to TD Bank on XX/XX/2022, TD Bank responded on XX/XX/XXXX indicating there was " no warranty breach ''. Then my bank attempted a hold harmless agreement with TD Bank to recover funds and TD Bank replied " non-sufficient funds ''. TD Bank has not indicated doing anything to investigate this Federal Crime to myself, the victim of this crime. They were given 120 days to investigate our claim ; and now since they have not shared doing any investigation ; I am asking for an investigation into XXXX XXXX ; the suspect- their member, who ended up depositing money stolen from me into TD Bank XXXX
Consumer complaint received 2023-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (WA)

ENHANCED RECOVERY ACCOUNT NUMBER # XXXX HOW THIS DEPTH COLLECTOR RECEIVED THIS ACCOUNT AND WHERE THIS {$69.00} DOLLARS COME FROM??? 

XXXX  THIS ACCOUNT DOES NOT SHOW UP ON CREDIT BUREAU SUDDENLY SHOWED UP ON MY REPORT ON XX/XX/XXXX I don't know this account and I don't owed any {$69.00} dollars for this account IT IS UNKNOWN THE ORIGINAL CREDITOR AND ORIGINAL AMOUNT OF THIS ACCOUNT. 
I AM REQUESTING TO ORIGINAL CREDITOR AND ORIGINAL CONTRACT OF THE OPENING OF THIS ACCOUNT WHRE AND HOW THIS ACCOUNT OPENED????
Consumer complaint received 2023-01-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

why this situation is happend with my account. i try to withdraw my money but the system is not allow me to do that. since XX/XX/XXXX until XX/XX/XXXX my account has been limited for same reason XXXX times XXXXXXXX XXXX XXXX XXXX XXXX XXXX THIS SITUATION IS NOT GOOD AND THE ONLY THINK I TRY IS WITHDRAW MY MONEY TO MY BANK ACCOUNT. IF YOUR SYSTEM MAKE ANY MISTAKE ABOUT THIS SITUATION PLEASE FIX IT. I attach A DOCUMENT PAYPAL SAID MY FUNDS WILL BE AVALIABLE BY XX/XX/XXXX BUT NOBODY HELP ME WITH THAT. 

XXXX XXXX
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

On XX/XX/2023, there was written correspondence ( Commercial Affidavit ) sent to the Credit Reporting Agency Equifax, Incorporated. I explained very thoroughly about the information within the Consumer Credit File was incorrect and needed to be removed IMMEDIATELY, as it was causing major harm to a Federally Protected Consumer. It is denying me the RIGHTS that are granted to me to secure what is needed for family, personal and household purposes. I also included the account information that I wanted to be removed because the information was wrong and the third party debt collector had no verification or validation that the alleged debt was owed but Equifax , Inc decided to furnish the information anyways without any prior written consent and pursuant to15 U.S. Code 1681b - Permissible purposes of consumer reports they are in direct violation. I gave notice of my fee schedule for Equifax , Inc being willfully noncompliant by furnishing consumer credit files that are misleading and false. I have attached the letter that was mailed and also an invoice.
Consumer complaint received 2023-01-22
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (IL)

When filed for bankruptcy 7 years ago Wells Fargo didn't send back there paper work and now my payments are not being shown on my credit report. We were not filing against the house just our credit cards. We tried settling this before through Wells Fargo and they said they couldn't help us and it was our fault that they didn't get the papers in.
Consumer complaint received 2020-04-25
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. (MS)

XXXX XXXX is reporting a Bankruptcy on my credit file, and the bureaus are claiming that they verified that the bankruptcy is reporting accurately through XXXX XXXX. 

I demand XXXX XXXX provide me with their METHOD OF VERIFICATION for how they verified that the alleged bankruptcy is reporting accurately. According to the FCRA, they must request verification from the ORIGINAL CREDITOR. 

In compliance with the FCRA 15 U.S.C section 1681 et seq, i request that they re-investigate the account they are reporting to verify its accuracy. 

Failure to verify this information within the required timeframe as outlined by the FCRA i ask that they subsequently remove this record from my XXXX XXXX riskview report. 

ACCORDING TO THE BANKRUPTCY COURT WHOM IS THE ORIGINAL CREDITOR THEY DO NOT PROVIDE THIS INFORMATION TO XXXX XXXX BECAUSE XXXX XXXX IS UNABLE TO VERIFY THIS INFORMATION I REQUEST THAT XXXX AND EXPERIAN DELETE THIS INFORMATION FROM MY CREDIT REPORT AS WELL.
Consumer complaint received 2020-04-25
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Assistance Inc (NC)

Back in 2015 I contacted XXXX XXXX  about my vehicle loan and told them that I was being discharged from the XXXX due to an injury and could no longer afford my payments. I was instructed to sell the vehicle for the value of the car and I would not have to owe anything due to my financial hardship. XXXX XXXX charged off the loan and closed my account with them XX/XX/2015. Then about 6 months later I started receiving harassing phone calls stating that I still owed the balance for the car because they purchased the collection from XXXX and if I didn't pay it I would be sued. She told me that the only way to avoid this was to enter into an agreement to pay thrm. So I told her that I was only working part time and was declared XXXX XXXX XXXX XXXX by the VA and could only psy {$50.00} per month. I was paying sometimes and other times I couldn't because of other living expenses. Then I noticed after paying for about 12 months that nothing I paid them was going towards the balance and it grew to more than 2k over the original amount. Since then my credit score continues to suffer because of my increasing balance and I don't have any money to pay them due to my recent layoff due to COVID. 
I was told that its illegal for them to collect on a debt raising the amount of the debt with high fees and interest.
Consumer complaint received 2023-01-22
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: EQUIFAX, INC. (NC)

In accordance with the fair credit reporting act the list of account below has violated my federally portected consumer right to privacy and confidential under 15 USC 1681 section 602. XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 1.5 USC1681 section 602 states i have rights to privacy. 1.5 USC 1681 section 602 its also states no conumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c [ a ] Section states no consumer reporting agency may make any consumer report containing any of following items of information any other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years. 15 USC 1681-2 [ [ a ] a person shall not furnish any information relating to a cousmer to a consumer reporting agency if the person knows or reasonable cause to believe that the informtion is inaccurata.
Consumer complaint received 2023-01-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Blitt and Gaines, P.C. (IL)

The descriptions provided for me did not really describe my complaint. 

The Law Firm of Blitt and Gaines infringed upon my common law copyrighted private property. I informed each of the partners in writing of this infringement and gave them time to respond. They did not respond in time and, therefore, accepted my terms as outlined in the notice by written communication. 

I then sent each of the partners an invoice for the amount of infringement. I have not been paid. This means that they did not report the claim to their bonding company which is a felony. 

Not only did they not report this but they continued infringing on my property for which I will submit another invoice. I just want to get the first part of this issue resolved.
Consumer complaint received 2020-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (OH)

This the third time I have filed an affidavit and compliant over fraudulent and in accurate information showing on my credit report. 
I need these addresses removed from my report they are inaccurate. I do not live at the following addresses : XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2020-04-25
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Conduent Incorporated (PA)

I contacted my local domestic relations office earlier this month due to a relocation and change of address on my EppiCard. When I reported my new address to the caseworker, it was entered incorrectly days later by the caseworker to EppiCard, so I THEN had to e-mail the correction to the caseworker. The correction did not occur for several days. 

I used my EppiCard child support card on XX/XX/2020 to make a purchase and withdraw money from the account. Today, on XX/XX/2020, I attempted to use the card to make a purchase of milk and other grocery items for my son but was declined twice. I double checked the EppiCard site. The card was marked EXPIRED on the EppiCard site. However, my card does not expire until XX/XX/2020, which is indicated on my account and on the card. I have been on hold for over 2 hours with EppiCard, which the website states has customer service available 24/7. There is no other form of contact besides the customer service number, which is also for lost/stolen cards. I had not been contacted prior to the card being listed as EXPIRED, nor have I received a replacement card in the mail. My mailing address is up to date - there is no reason I would not have received communication. 

I am to receive a child support payment next week that I will have NO access to due to this mistake, and I am in dire need to access the money to pay bills that are immediately due.
Consumer complaint received 2020-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

Experian and XXXX are reporting that I owe XXXX to XXXX. I disputed the debt. XXXX  XXXX could not verify the debt. XXXX  XXXX has stated to me that the accounts should be removed from my credit reports. The accounts have not been removed.
Consumer complaint received 2020-01-16
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: EQUIFAX, INC. (OH)

I have several accounts that I do not recall EVER doing business with still showing on my credit report. I was a victim of fraud so demand to see any and all legal documents connected to any contracts for business. Please delete XXXX XXXX. This is the second time I have had this issue. They are in violation of FDCPA and FRCA laws, 623,611 FDCPA 809,805 Aas well as HIPPA!
Consumer complaint received 2020-04-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (GA)

This statement pertains to what has been deemed as Fraud. I have never contracted services with MIDWEST RECOVERY SYSTEMS on behalf of XXXX XXXX. This account just recently appeared on my personal credit report with no address and no account number to investigate further. Upon completing an online search XXXX XXXX is an illegal offshore payday loan lender and I would like you all to be aware of this scam and to take action as necessary.
Consumer complaint received 2020-04-25
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: LEXISNEXIS (MS)

Lexis Nexis is reporting a Bankruptcy on my credit file, and the bureaus are claiming that they verified that the bankruptcy is reporting accurately through lexis nexis. 

I demand lexis nexis provide me with their METHOD OF VERIFICATION for how they verified that the alleged bankruptcy is reporting accurately. According to the FCRA, they must request verification from the ORIGINAL CREDITOR. 

In compliance with the FCRA 15 U.S.C section 1681 et seq, i request that they re-investigate the account they are reporting to verify its accuracy. 

Failure to verify this information within the required timeframe as outlined by the FCRA i ask that they subsequently remove this record from my lexis nexis riskview report. 

ACCORDING TO THE BANKRUPTCY COURT WHOM IS THE ORIGINAL CREDITOR THEY DO NOT PROVIDE THIS INFORMATION TO LEXIS NEXIS BECAUSE LEXIS NEXIS IS UNABLE TO VERIFY THIS INFORMATION I REQUEST THAT XXXX AND XXXX DELETE THIS INFORMATION FROM MY CREDIT REPORT AS WELL.
Consumer complaint received 2020-04-25
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: Resurgent Capital Services L.P. (MS)

WITH XXXX XXXX BEING THE ORIGINAL CREDITOR THEY SHOULD HAVE ACCESS TO THE INFORMATION TO PROVE THAT THE ALLEGED DEBT THEY ARE CLAIMING BELONGS TO ME IS ACTUALLY MINE. BECAUSE I CAN NOT GET XXXX  XXXX XXXX OR LVNV FUNDING TO COOPERATE, I AM ASKING THE CFPB TO HELP SOLVE THIS ISSUE. 

I DEMAND LVNV FUNDING FOLLOW THE GUILDELINES OF THE FDCPA, FCBA AND FACTA 312, SINCE THEY ARE LISTING THIS ACCOUNT ON MY CREDIT REPORT AND CLAIMING THAT I OWE THEM AS SEND ME 1. COMPLETE PAYMENT HISTORY OF THE ALLEGED AMOUNT ( VERIFICATION LINE BY LINE ) 2. DATE OF LAST PAYMENT 3. CHARGE OFF DATE 4. CONTRACT/AGREEMENT WITH MY SIGNATURE 5. PROOF OF IDENTIFICATION 6. LETTER OF SALE OR ASSIGNMENT FROM SELLER/ORIGINAL CREDITOR ( AGREEMENT STATES THAT DEBT ARE SOLD AS IS. 

WITHOUT ALL OF THIS INFOMATION THE DEBT IS CONSIDERED NOT VALIDATED AND I DEMAND THEY DELETE THIS TRADELINE OFF MY CREDIT REPORT. FAILURE TO PRODUCE ALL REQUIRED INFORMATION WILL RESULT IN A LAWSUIT FOR DAMAGES IN ACCORDANCE TO THE FCBA AND FACTA 312, I REQUEST THAT XXXX XXXX XXXX  SEND ME 1.COMPLETE PAYMENT HISTORY OF THE ALLEGED DEBT ( VERIFICATION LINE BY LINE ) 2. DATE OF LAST PAYMENT 3.CHARGE OFF DATE 4.CONTRACT/AGREEMENT WITH MY SIGNATURE 5. PROOF OF IDENTIFICATION 6. LETTER OF SALE OR ASSIGNMENT FROM SELLER/ORIGINAL CREDITOR THEY ARE THE ORIGINAL CREDITOR SO THEY SHOULD HAVE ACCESS TO THIS INFORMATION I HAVE TRIED TO SETTLE THIS WITH XXXX  XXXX XXXX AND THEY ARE REFUSING TO PROVIDE ME THIS INFORMATION
Consumer complaint received 2020-04-25
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY (AZ)

This complain is in regard to XXXX XXXX through TD Retail Card. 
On XX/XX/2019 i Trade-In my old XXXX phone for a new XXXX XXXX XXXX. I bought it for {$590.00}. 
On XX/XX/2019 i received another offer to Trade-In my phone for XXXX XXXX  XXXX. 
I Trade-In my phone with transaction ID ( XXXX ) successfully. 
The price of XXXX XXXX  XXXX at a time was {$940.00}. In the offer that I received through XXXX web site that luckily i did get a print out because later they deleted such information from my page at XXXX web site indicated that upon successful Trade-In eligibility i would receive a sum of {$800.00} discount toward this Trade-In. 

On ( XX/XX/2019 ) my balance on my phone was {$390.00} The Payment summary indicated that i have to pay {$580.00} for XXXX  XXXX after Trade-In, which means i had to pay {$180.00} on top of my balance and i accepted the offer. 

However, next billing statement i saw that not only i had to pay {$390.00} but also I had to pay {$580.00} or total of {$970.00} which was more than New XXXX  XXXX. They did throw in a promotion for online music services that anybody could get without any purchase for 3 months any way. The only thing that had monetary value was the ear buds that they included as a bundle. 

I have called XXXX support team several time and my written dispute was rejected.
Consumer complaint received 2023-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NY)

I refinanced my mortgage with Webster Bank NA in XX/XX/XXXX. My first payment was to become due on XX/XX/XXXX. On XX/XX/XXXX, by letter to me, Webster Bank sent me notice of my new monthly payment on my fixed mortgage ( 2.5 % 15 year refinance ) of {$4800.00}. XXXX. In addition to that notice, Webster Bank included " Annual Escrow Account Projection for the Coming Year. '' That information estimated an escrow of {$1000.00}. 21 monthly and also projected that I would get a refund in XX/XX/XXXX of {$1300.00} if my account were to remain current. My monthly payments came out of my Webster Bank checking account and were auto-deducted by Webster. 
During the calendar year XXXX, my property taxes were not increased nor was my homeowner 's insurance. 

In a letter I received at the end of XX/XX/XXXX, Webster Bank notified me that my escrow account was short by {$9600.00}. Not only would I not get the promised projected escrow rebate of {$1.00}, XXXX, but Webster was billing me every month in XXXX {$6.00}, XXXX, an increase of {$1400.00} per month ( a 31 % increase over the XXXX payment. In spite of conversations with a Webster Branch manager, a Webster regional manager and written notice to the bank alerting them to the problem, there has been no valid explanation for the 31 % increase. I relied on Webster 's billing of {$4800.00} each month in XXXX as well as its projected escrow analysis indicating that I would be entitled to a {$1300.00} refund, not a bill for {$9600.00} spread out monthly in XXXX. Webster 's Regional manager promised me that the bank would " rectify this '' and would get back to me in writing. Although weeks have passed, I have not heard from the bank.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

My Checking Account and XXXX Account were wrongfully Charges and Closed without explanation. Nor did I get the chance to fix any issues at hand. I had over {$500.00} in my XXXX Account and XXXX in my Checking. They were all charged and put into the Negative which resulted in my account being closed. I never did go over in my bank nor did I close it. I was never given an explanation or a chance to fix the issue. I been having problems ever since. I just want my money back that was wrongfully took from me.
Consumer complaint received 2023-01-22
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Outsource Group, Inc (TX)

On or about XX/XX/XXXX, I began to receive phone calls from a company called Medicredit , Inc. regarding medical debts they claimed I owed them. To the best of my knowledge, I have never had a relationship with or received services from them. In addition, I never received a letter from Medicredit notifying me of the debt and did not have the chance to dispute it prior to receiving the phone solicitations. 

On or about XX/XX/XXXX, I began receiving letters claiming the same debts. I immediately responded with a " debt validation letter '' requesting that they provide all of the correspondence they believe they have sent to me along with the name and the address of the original creditor and supporting invoices. The letter explicitly including a request that Medicredit not contact me by phone and conduct all communication in writing. 

I have continued to receive phone calls from Medicredit despite this request ( the latest being XX/XX/XXXX ). I have also not received the written validation of the alleged debt. This is likely because they are attempting to collect amounts above what were negotiated and paid by my insurance company. According to my insurance company, the negotiated claim amounts have been paid in full and I owe nothing. 

Since Medicredit is unlikely to prevail in any claim against me, I believe they are hoping to intimidate me into payment by violating the provisions of the FCRA related to allowable methods of contact and providing proper validation of any alleged debts within a reasonable time. I request that Medicredit cease all improper collection efforts and that their business practices be investigated by the proper oversight authority to ensure they are abiding by the requirements of federal, state, and local laws in regards to debt collection.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (FL)

XX/XX/2020 I had XXXX removed from account with no cause and they closed my account without telling me why. A lot of transactions was going on with my account and I received txts asking if I was the one making the transactions I said no and they went and proceed anyways.