davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (FL)

Dear company on XXXX XXXX, 2017 I noticed that a recent inquiry from your company was placed on my credit file. I received several alerts in my email showing me the inquiries and what companies. I am unaware of the inquiries and I am now working with an investigator to assure nothing more occurred during the inquiries that would cause me and my credit more problems. Seems like this has happened in the past due to a credit breach and fraud. I dont know if this was a mistake or an error this is very frustrating for me and I am in distress because Im not sure of where these inquiries came from but my job is to make sure that this wasnt an inside job with your company, and the credit bureaus. I am leaning towards taking legal actions on your company, the credit bureaus and whoever is involved with this matter. I have contacted the FTC, the attorney general office located in XXXX XXXX also be aware that you will receive legal documents pertaining this matter soon. I have attached a letter to the file, please read the letter. I am in the process of getting ready to purchase a home by the end of this month and I am XXXX something like this occurred at this time. Sincerely XXXX XXXX
Consumer complaint received 2017-12-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

I have written to the company a total of 4 times. I have stated I had no acknowledgment of these account ( s ) and was asking for documentation. As of the Fair Credit Act Section 609, the creditor must provide a signed document with my physical signature. If they have said document I would go about that process as necessary. Every letter I have written, the credit bureaus state they have been verified by " Our '' Company, ( Meaning the bureau ). Within my rights of Federal Law section 609 ( a ) ( 1 ) ( a ) states they must provide me with a form of verification. They have not done so. Who has verified my account, how was it verified, where is my copy of the document. I have been punished for an account I have no acknowledgment on. They continue to sweep this under the rug and it is not right. They are breaking Federal Law by not complying with what is being asked. Midland has also tried to reword my dispute. I disputed the account as " not mine '' and in response they said I disputed " incorrect balance. '' That is not what was disputed. The accounts as a whole are being in question. Please rectify these accounts as for this company has prolonged this for months!
Consumer complaint received 2017-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

TransUnion is reporting a Tax lien that I have no knowledge, I have tried many times disputing this with TransUnion with the item not being deleted. The tax lien amount is for {$10000.00}. Also I like to include that XXXX and XXXX deleted this already.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I'm asking for your assistance in dealing with the incorrect account thats showing up on my credit report. This issue has harmed my reputation, and I urgently need your help to correct it. The inaccurate reporting has caused me significant personal and professional damage. Please remove these false details from my credit record.
Consumer complaint received 2017-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sterling Infosystems Inc. (CA)

I was trying to get a Job XXXX XXXX XXXX which turns out that my application was denied due to XXXX XXXX XXXX reporting innacurate background check information, I called them and explained the situation which they told me that i had to get in touch with XXXX which I did and XXXX told me to get in contact with XXXX XXXX XXXX the company that provide my incorrect background check which states that i have felonies/misdemeanors in the state of Texas, XXXX XXXX Ca, and South Carolina but I was born in XXXX Ca and raised in XXXX XXXX and never lived in Texas or South Carolina or XXXX XXXX. No one seems to be able to help me out with this situation and this is causing a hardship on myself amd family because I can not pass a background check and get a job due to all these innacurate findings on my record. I feel like identity theft is the reason why and someone is using my identity to commit crimes in other cities/states. Any help helps. Thank you.
Consumer complaint received 2017-12-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (TN)

I submitted written notification to Midwest Recovery Systems on XXXX/XXXX/XXXX asking them to validate this debt. Today is XXXX/XXXX/XXXX it has been 48 days and I have not received anything validating this debt. I have NEVER done business with Midwest Recovery Systems. I dont have a signed contract nor any contract with Midwest Recovery Systems. I have a right to demand to see the contract between Midwest Recovery Systems and myself. Midwest Recovery Systems has listed this account multiple times with the credit bureaus. I want this INVALIDATED DEBT REMOVED FROM ALL CREDIT REPORTS. Midwest Recovery Systems is NOT LICENSED in the state of TENNESSEE. I would like this unfounded and unvalidated debt removed form my credit report. Per Tennessee Code TFDCPA 62-20-101 and 105 thru 127, Tenn Law emphatically states that " a collection service can not commence or conduct the business of collecting debts in TENNESSEE without being so licensed and bonded as well as maintaining a " location manager '' who in turn is required to be licensed and bonded. in the State of Tennessee. UNLICENSED ACTIVITY IN THE STATE OF TENNESSEE POTENTIALLY SUBJECTS THE DEBT COLLECTOR TO CIVIL AND CRIMINAL PROSECUTION.
Consumer complaint received 2017-12-12
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Real Time Group, Inc. (FL)

Real Time resolution has been fleecing my mortgage payment. I have over payed them by least $ {$600.00}. My 2nd mortgage payment should have been completed with XX/XX/XXXX pmt of {$240.00} this was made over the phone on XX/XX/XXXX. I show them pmt coming through my bank acct on XX/XX/XXXX. They have padded my account with multiple legal charges of which I have nothing do with. They should have sent me a letter showing that I have completely paid but instead I just received a letter showing that am 30 days past due. This is totally unacceptable and this company has very deceptive and fraudulent business model. Am asking your agency to intervene on my behalf
Consumer complaint received 2017-12-06
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. (FL)

Dear Equifax XXXX XXXX I go by XXXX XXXX and not XXXX XXXX that is the first inaccurate information that I am disputing. So every inaccurate account listed under that name isnt mine my name is spelled XXXX XXXX. I am unaware of the accounts and inquiries. Last time I purchased anything it was for cash. I have never used my credit and dont ever plan on it. My report is clear. None of the accounts or inquiries are mine these are errors youre reporting. I am in total distress due to the my credit report. I have sent certified letters, including faxed letters on several occasions. You have removed some of the inaccurate accounts but not all. I have attached a letter with the inaccurate accounts that you are reporting and didnt not remove. My credit report should be clear on any inaccurate information you are reporting because its a violation to place items on my credit report that doesnt belong to me. If you dont comply within the time frame of our appearance in XXXX XXXX County Courthouse you will be summon and I will take further actions on making this a serious legal matter if you continue to report any other error on my report. I am working with an investigator to make sure we find out who is placing the inaccurate accounts on my report. I have been told in the past that these credit bureau are purposely leaking information to cause severe breaches so that you can make an income. I advise you that you remove every single inaccurate account from my credit report. I havent checked my credit report since XXXX so therefore I shouldnt have any foolishness on my credit report.
Consumer complaint received 2017-12-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (VA)

Western Union I made money transfers listing myself as the reciever. I did not pick them up Within 30days then Im told they no longer have access to the transaction they would need to further investigate the matter. With there back office They sent a few letters as this concerns a few transfers of which for were for XXXX $ And 4 for XXXX $ .after repeated inquiries from me stating that the money was paid correctly. I am the sender and the reciever. I repeated told them I have not picked up my the money then after so much time passed they state that the money transfer has been picked up. I ask them by whom they respond with the person listed I once again inform them that I had not picked up the transfer. I then ask them to provide the merchant location where the transfer was paid out. they refuse stating its confidential. I Have told western Union time n time again I am the sender and the reciever and I have not picked up these money transfers. They just dont care. Im out {$1800.00} total from these unprocessed money transfers.
Consumer complaint received 2017-12-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Uptain Group, Inc. (TX)

Uptain Group told me through the CFPB that they requested the erroneous collection be removed from my credit file on XX/XX/XXXX. XXXX said the Uptain Group did submit a deletion request, in fact Uptain Group verified the erroneous collection information on XX/XX/XXXX according to XXXX.
Consumer complaint received 2017-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (OH)

On XXXX I was contacted by PNC loss prevention about possible fraudulent activity on my debit card. The card was cancelled at this time and I confirmed the transactions in question were in fact fraudulent. I was informed that PNC has a zero liability policy for their consumers so the fraudulently removed funds would be refunded to me. 
XXXX Two fraudulent transactions posted from XXXX in XXXX, MI dated XXXX. I called and disputed these transactions. I received a " provisional refund '' for both transactions in the amounts of {$52.00} and {$65.00}. 
XXXX A fraudulent transaction posted from XXXX in XXXX, MI. I called on XXXX and disputed the transaction and received a " provisional refund '' in the amount of {$55.00}. 
XXXX Two fraudulent transactions posted from XXXX in XXXX, MI. I called XXXX and disputed these transactions and received a " provisional refund '' in the amount of {$65.00} and {$100.00}. 
XXXX Three fraudulent transactions posted from XXXX in XXXX, MI. I called on XXXX and XXXX to dispute these transactions.The representative stated on my call on XXXX that she did not know why I was not issued a provisional refund and said I could call the Dispute Resolution Department. I was informed on my call on XXXX to the Dispute Resolution Department that I would not be issued a refund for these transactions " pending further investigation ''. The amount of these transactions were {$75.00}, {$75.00}, and {$74.00}. I was told it would be 10-90 days before I would receive a refund only if the charges were deemed fraudulent. 

PNC should be responsible for issuing my money back while they conduct their investigation considering their zero liability fraud protection for consumers. None of the representatives I have spoken to will give me an answer why they will not refund the last 3 transactions.
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Call by Bank of America to verify transactions for possible fraud, and when I call back I am told I must go to a Bank Of America Branch to verify my idenity, and my account is locked and under invesigation and they will not provide any transaction information. I just checked my account and there is no unusual transactions listed.
Consumer complaint received 2017-12-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monterey Financial Services LLC (CA)

Monterey ColXXXX Account # : XXXX High Balance : {$920.00} Date Opened : XXXX/XXXX/XXXX Date Reported : XXXX/XXXX/XXXX Balance : {$960.00} Responsibility : Individual
Consumer complaint received 2017-12-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (CA)

On XXXX XXXX,2017 CFPB had sent me a response from XXXX XXXX AKA XXXX XXXX about the discrepencies in the application of payments on this loan, have paid 27 payments on a loan at 13.9 percent interest, totaling XXXX monthly payments XXXX I got behind and then made a lump sum payment to company. The representative sent a ledger of in consistent applying of payments to my loan. They can never give a clear answer or audit the loan by reapplying each payment to clearly adjust the balance, In good faith after I filed my last complain a person from the company responded to you, they stated in this document they would adjust good faith XXXX off the loan balance which they did not do, they further were to do a deferrment and bring the account current so I could resume the loan, after you posted the response I waited to here from the company. I never received any communication directly and when I tried to call the person who replied to the complaint I was transferred to collections demanding lump sums of money or they were charging off the loan and repossessing the vehicle, as of date I have tried to get this loan resolved and no one is working with me. I feel I am going to be forced into legal action to protect my rights, and have this company forced into a repayment plan with me.
Consumer complaint received 2017-12-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (AZ)

I am a user on XXXX and am trying to transfer my XXXX from my XXXX Etherum Vault to my XXXX Etherum Wallet, however, it appears that some how my secondary email ( which is needed to confirm a transfer out of a coinbase vault ) is incorrect. On XXXX/XXXX/XXXX I initially created a withdrawal, however, after 3 weeks my XXXX was still not available. I called XXXX Support on Monday XX/XX/XXXX and was told they are unable to change my secondary email address. The only way I can access this currency is to have my primary and secondary email approve the withdrawals, so unless XXXX can help me, my Etherum is inaccessible. 

A secondary issue that I have been dealing with sinceXX/XX/XXXX is my account is locked, so I am unable to make any additional transactions. I have called and emailed support upwards of 20+ times and have never been given a way to unlock my account. The phone support says to email my issue, but when I email, I never receive a response.
Consumer complaint received 2017-12-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Recovery Management (TN)

XXXX XXXX in XXXX, TN to s attempting to collect and is reporting a collections account on my credit reporting agencies for {$280.00} to the original bill owner - XXXX. 

I paid XXXX on X/XX/15 and provided the date and check number to XXXX. They claimed thats not enough. 

I need this removed from my credit as its damaging my credit not allowing me to reach XXXX for the ability to rent an apt . 

So, I contacted them again and requested that if I pay them the money again will they please delete the reporting. 

I received in writing that they will not remove the reporting from my credit - they will just change the status. 

This is absolutely ridiculous as they are attempting to collect a debt that doesnt exist AND further are not willing to work with me to correct my credit. 

Please help. 

XXXX XXXX XXXX Cell : XXXX XXXX XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2017-12-06
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: N.A.R., Inc. (TX)

Company is extremely harassing ; This debt should n't even still be on my credit as I have already cleared this up in early XXXX - I do n't understand how a hospital can just take your money and act like you NOW owe a seperate agency. Something is definitely wrong with these two companies.
Consumer complaint received 2024-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Early Warning Services, LLC (TX)

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : I am writing to request and investigation of the following accounts I have NEVERED opened or use the accounts listed below XXXX requesting the following information to be deleted from my early warning consumer report immediately I attached a copy of my report to this request The accounts consist of an Bank account opened at XXXX XXXX XXXX on XX/XX/XXXX Bank Routing # : XXXX Account # : XXXX an Bank account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX Bank Routing # : XXXX Account # : XXXX an Bank account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Bank Routing # : XXXX Account # : XXXX an Bank account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Bank Routing # : XXXX Account # : XXXX an Bank account opened at XXXX XXXX XXXX XX/XX/XXXX Bank Routing # : XXXX Account # : XXXX.
Consumer complaint received 2017-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE (FL)

Dear company on XXXX XXXX, 2017 I noticed that a recent inquiry from your company was placed on my credit file. I received several alerts in my email showing me the inquiries and what companies. I am unaware of the inquiries and I am now working with an investigator to assure nothing more occurred during the inquiries that would cause me and my credit more problems. Seems like this has happened in the past due to a credit breach and fraud. I dont know if this was a mistake or an error this is very frustrating for me and I am in distress because Im not sure of where these inquiries came from but my job is to make sure that this wasnt an inside job with your company, and the credit bureaus. I am leaning towards taking legal actions on your company, the credit bureaus and whoever is involved with this matter. I have contacted the FTC, the attorney general office located in XXXX County also be aware that you will receive legal documents pertaining this matter soon. I have attached a letter to the file, please read the letter. I am in the process of getting ready to purchase a home by the end of this month and I am XXXX something like this occurred at this time. Sincerely XXXX XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (FL)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Consumer complaint received 2024-10-03
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: CLGF Holdco 1, LLC (MN)

On XX/XX/XXXX, I logged into XXXX XXXX and discovered a recent hard inquiry for credit from CB Indigo. I called the company to dispute the hard inquiry and inform them that authorization to use for my credit was not provided. The last authorized request for credit was in XX/XX/year> for XXXX XXXX. The company took my dispute but indicated that the I would need to dispute with the bureaus. I talked to agent # XXXX @ XXXX. 

I contacted XXXX who informed me that they do not remove hard inquiries and I needed to dispute with the creditor and file a dispute with the FTC. 

I filed a dispute with the FTC as requested. The reference number is XXXX. 

Additionally, I added credit freezes to all bureaus. 

I would like the unauthorized hard inquiry from CB Indigo removed from my bureau.
Consumer complaint received 2024-10-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

a {$25.00} returned item fee was billed to my account, but there is no associated transaction to it i have overdraft service turned off and my account was never overdrawn i read terms disclosed and didnt show anything for {$25.00} fee for ACH RETURNED ITEM i suppose the fee is regarding a failed ACH transfer, but this kind of fee is not disclosed in terms of service and dont billed by any other bank. some banks bills if accound is overdraft and some others offers to pay asap and revert overdraft fee. 

https XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (CA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX