davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-13
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Integrated Recovery Services (TX)

Re : Inte grated Recovery Services On  XXXX / XXXX /  XXXX   I received  a call & voicemail f rom a  XXXX  stating that I had a case in their office ( did n't specify what kind of case ) and said that in order to not be served  by constable I  needed to contact the office. When I returned the call a woman answered and said that my phone number was associated with an account in their office under  XXXX   XXXX  which I confirmed that I was the person calling. Prior to letting me know that it was an attempt to collect a debt or even mentioning anything about what it was regarding, she asked me to verify my social security number. I then explained that I did not want to confirm my social security without knowing what this case was regarding. She then started yelling at me and stating that I had an attitude with her, which I did n't, and said that if I did n't confirm my information, she could not speak with me and would notify the company "   XXXX   XXXX   XXXX   '' that I had admitted to stealing the money so that I could be served with paper work, however, those words never came out of my mouth as I did not know what the case was even regarding, she then hung up and said that she did n't have time. I then called back thinking that another person would speak with someone else and again she answered and said that she did n't have time to speak with me, I mentioned that I had never said that statement and wanted to know why an employee from this supposed company was speaking to me in the way that she was and yelling at me. She responded that it was because I was not being an " adult '' and did n't want to confirm my confidential demographics and again said that she did not have time and hung on me for the second time. I called again an asked for her name which she said her name was "  XXXX  ''  ( u nsure if it was legitimate ) and said that I could do whatever I wanted and again hung up. The only reason that I called was to find out more information on what it was regarding prior to confirming my social security and again, they never mentioned that they were calling from a debt collector. I did not appreciate how this woman spoke to me as she was super unprofessional and it is not a way to settle an agreement. Also, not to mention, I have yet to receive ANY correspondence from them regarding this matter. All I received was a phone call earlier today during work hours. If indeed I have an account in their office, I do not know why an employee would threaten to tell another company something that I never said. If harassment is their why of intimidating people, it 's not the key.
Consumer complaint received 2017-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (PA)

I
have been using Credit Karma for awhile now to get my credit report and help keep a eye on it it needed repaired and i have been working so hard on getting it back up agai  n, I want to say i 've used them for a few years now, they give you all your stuff thats reported on your credit report for free, good deal right!! NO, When you 1st log onto your accounts they have recommendations of loans, credit cards ect, I do have my own Credit cards, well i thought it was time to apply for another as my score has went up some and i 've been making on time payments for awhile now, so i go to the recommendations and i choose one, I apply i get turned down even tho it said my odds were good at getting approved for this card, this was last week, I go again today and i think I 'll try for one more card my odds were good again I get denied, Now they use everything in my credit report to give me these odds on approval rates, Now I have   XXXX   references on my credit report for credit based on their recommendations so now it will take a few years to get these off here, I do not pay for this service but i would like to please have this checked on, I do n't think they should be able to use it against me since i went on the advice of a company and took their word for it, They are sopost to give you good advice and this ended up not so good!
if you go to www.creditkarma.com with log in with my email  XXXX  password  XXXX  and check out the page it will clearly show you under recommendations which cards i have good approval odds for they are even still listing the cards i got denied for as good odds, even after being denied!
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-06-13
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (CA)

I informed Macy 's of an account I did not have knowledge of until seeing it on my credit report. I disputed with the credit bureaus and they supposedly verified it. I took the next step and filed a BBB complaint as this is a serious issue. I filed the BBB complaint on  X/29 /2017 and  XXXX  from Macy 's executive office responded   XXXX  /2017. Her response provided the opened date of the account and notified me that it was being handled by the fraud department as of  X/21 /2017 which was before the complaint. She also notified me there was no physical copy of the application or signatures to validate the account. In addition she would not mail any fully itemized bills. She stated it can take up to 90 days. I called back on   XXXX  /17 and spoke to   XXXX   directly which she could not provide any assistance. She transferred me to  XXXX  in the fraud claims department who could not verify a phone number or an address. She stated there was no birthday appearing. She apologized and stated someone will mail you something to the correct address. My address was on the BBB complaint which they never once verified previously. Huge red flags.
Consumer complaint received 2018-04-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC. (VA)

Back in XX/XX/XXXX, IQ Data called my cell phone requesting a payment for a debt that accrued through my old apartment complex. I was unaware of the debt due to me giving proper notice to vacate the property. When I was contacted via telephone I was told that if I didnt pay my debt that my kids would never go to college because they were going to make a permanent mark on my credit report. I began to seek legal advise regarding this issue. I was unable to follow through with hiring a lawyer. On XX/XX/XXXX I paid my debt off. I was told that this would be taken off my credit report and that the debt was settled. 

In XX/XX/XXXX I applied for a rental property and was denied due to this still being on my credit report. It is showing a large sum being due. I called the IQ data on XX/XX/XXXX to inquire why this was still showing up on my report. They stated that although the debt was settled and i was not responsible for further payment, I still had a portion that needed to be paid off. I have the receipt of the payment I made back in XX/XX/XXXX, it shows a XXXX balance remaining and releases me from this debt. 

The amount that was due was {$1100.00}. The amount settled on and I paid was {$940.00}. This was paid on XX/XX/XXXX. I have been denied housing because of this company. They made sure to keep up with their threat of permanently ruining my credit report. I will not be able to rent a property or get approved for a loan to purchase a house due to this. The companies information is listed below. 

I.Q. DATA INTERNATIONAL, INC. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX   XXXX, XXXX, WA XXXX HOURS : MONDAY-FRIDAY XXXX TO XXXX PST TOLL FREE : XXXX OR ( XXXX ) XXXX FAX : ( XXXX ) XXXX
Consumer complaint received 2017-07-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (TX)

At XXXX/XXXX/2017 American Express Travel Related Services Co., Inc. they stole from me about {$2200.00} by shutting down my prepaid cards and accounts ( Serve Card and Bluebird Card ) for no real reason and they refuse to give me my money back!!!
Consumer complaint received 2017-06-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (UT)

I had opened an Amazon Store Card which is affiliated with Synchrony Banking. I had paid my balance in full, with a phone payment that went through, which did not reflect on my account until days later. I had thought it did not go through, so I did another payment of online-where I then put the wrong acct number. So the online payment never went through due to my mistake ( so no money was taken out ) but for the phone payment it did go through. My account then showed I double paid, before I knew the online payment adjusted. So I called and asked for a refund for one payment. When I received the refund, my credit account showed I never paid due to the online payment. So then I refunded the check, paid it back. It shows clearly on my bank statement when it was taken out. Now for about 6 months, Amazon sync banking keeps saying to send it statements. Every statement I have sent they keep saying we ca n't see it, it 's black, it 's reversed. ( I am having the bank send these + XXXX XXXX, so I would assume after the 5th statement they 'd see it ) after investigating, they KEEP saying my bank never returned the funds to me. I called my bank, asked them about this refund they talk about, they said I have made a payment and they have never returned anything. My bank has also sent a letterhead statement plus a letter saying the payment has gone through. STILL to this day, the company keeps telling me I 'm okay, while others say I owe back, and I am running in loops. I talk now only to the supervisors. My credit was at 720, now it is to a 570 score. This is ridiculous, I explained the situation multiple times and now they keep telling me I owe them as sync banking says they 're still investigating.
Consumer complaint received 2017-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (TX)

I logged into my  wells fargo mobile account t o check if I had funds available to purchase clothing for my child, the mobile app reflected that I had sufficient funds. After the purchase was made multiple charges posted to the account lowering the available balance causing an NSF fee to be charged.  <P/> When I contacted wells fargo they wear willing to refund part of the NSF fee amounting to about {$3.00} that suggests they accept some responsibility.
Consumer complaint received 2017-06-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

P
ortfolio Recovery Associates ( PRA ) is falsely reporting se  veral different accounts from the Original Creditor,   XXXX   XXXX   on all 3 major credit reporting agencies ( CRA ). I have attempted to have the amounts updated and requested that the CRA 's validate the amounts and provide proof from Portfolio Recovery Associates. PRA falsely verified that the amounts in question are correct.
I will list 2 of the 3 accounts on this complaint and the 3rd and 4th complaint will follow separately  .  <P/>  Account Number  :  XXXX  PRA is reporting an amount ( original ) owed of {$890.00}.  <P/> I have verified with    XXXX   XXXX    that the true amount is {$810.00}.   <P/>
2nd Account PRA is reporting an amount ( Original ) of {$590.00} I have verified with   XXXX   XXXX   that the true amount is {$540.00} Documentation will be attached and additional can be provided under request.
Consumer complaint received 2017-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: AMERICAN EXPRESS COMPANY (NY)

hi I 'm on payment program with American express from XX/2016 they setup the payment to be withdrew automatically from my XXXX account every month i just receive a letter from them says I 'm no longer on this program i try to speak to them on the phone why they cancel it they tolled me sorry we do not have access to your account no more and they send the balance to a collection agency, upon check my XXXX account today i found they stop to withdrew the payment last XXXX they did not call me or send me any notice for why they stop taking the payment and why they cancel me from this payment agreement account number XXXX
Consumer complaint received 2017-06-13
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Weinberg Mediation Group LLC (CO)

RE : W EINBERG MEDIATION GROUP LLC.   Today, Tuesday,  XXXX   XXXX ,  2017 , robocalls about my financial business went out to people loosely associated with me, but who know nothing about my finances. For example, several relatives and a friend of a friend received a collection call from this organization about me. When I called them and asked them to remove all numbers except mine from their account, they refused and claimed I had a credit card I owed money on. I do not recognize the bank named on this debt, and there has been suspicious information on my credit report in the past, so I am investigating. I will pay the debt if it is valid, but in the meantime this organization has done damage to my reputation, privacy, and dignity and deserves censure for their aggressive tactics.
Consumer complaint received 2017-06-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TekCollect Inc. (GA)

My XXXX keeps trying to collect an additional {$26.00} for a " mystery balance '' after double billing me multiple times. Their accountant, nor the doctor himself will return my phone calls. They have placed a negative mark on my credit.
Consumer complaint received 2017-06-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

On Thursday   XXXX   XXXX   XXXX     I contacted Bank of America ( " the bank '' ) to find out why my principal balance differed from what I was told it was going to be when I signed the documents at the dealership because all the guy could see was what was entered into the system. I was told to contact the dealer to find out. I called the dealer, but was unable to reach anyone. Then, I called the bank back to see if I could get a better response.  Low  and behold I was able to reach a nice lady who took time out of her busy day to help me get to the bottom of things. She was able to locate my loan documents and agreed that the loan document indicated that my balance should have been lower than what they had in the system. She told me she was going to submit a research request to get it all straightened out. She gave me a confirmation number and told me that someone may reach out to me if they had any questions or needed further information. After I got off the phone with the bank, the dealership called me back. Since the lady at the bank told me that she was working on a resolution, I told the dealership that and they went ahead and considered the issue being handled. The following day ( Friday   XXXX   XXXX   XXXX     ), I received a phone call from a rep at the bank, but we ended up playing phone tag and never had a chance to connect. On Monday    XXXX   XXXX   XXXX   XXXX   I received a letter from the bank informing me that they had been trying to reach me, but they were unsuccessful and I needed to contact them to get the issue resolved. I called them back on Tuesday   XXXX   XXXX   XXXX       at which time I was told that I needed to contact the dealership to get the issue resolved. I contacted the dealership again to no avail. The issue is a lack of assistance in getting a disclosure discrepancy resolved. I signed a security agreement agreeing to pay the stated principal balance and that is what I want to pay. No additional fees, no less than the agreed upon amount. I believe that this discrepancy is a Regulation Z violation and should be handled as such.
Consumer complaint received 2018-04-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (FL)

I have received countless harassing phone calls from XXXX XXXX XXXX for a debt that I have never heard of in my life. They call at all hours, and on Sundays, and they change the phone numbers they call from so I am unable to block them. I told them to stop calling and they ignored it. Please help! I have read so many online reports of this happening to others as well, so they need to be stopped!
Consumer complaint received 2018-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX, Wells Fargo alerted me via phone to possible fraudulent activity on my checking account. I immediately went to log in to my onlie account via the Wells Fargo App and found that I wasn't able to due to an incorrect password. After resetting my password and logging into my account I found that my account balance was incorrect. XXXX dollars had been transferred to my account and then taken out my via a non-Wells Fargo ATM in XXXX, North Carolina. Eight ATM transactions were made for a total of {$3900.00}. That same day I called Wells Fargo and reported the transactions. They then informed me that my online account had been hacked and that the money was a cash advance from my credit card account to my checking account. In speaking to Wells Fargo ATM/Debit claims department I informed that these ATM withdrawals could not possibly have been made by myself. I live in XXXX, GA and have not left the state in over 30 days. I have never given my pin number to anyone and that my debit card never left my possession. I received a letter from the Claims Assistance Center on XX/XX/XXXX stating that because the transactions were made using my card and my pin number that they were made by me or by someone with my permission. This is not the case. I was told there was no way to appeal the decision and that the only option I had was to request the documents used in the investigation. Which I have done. I believe that further action should have been taken by Wells Fargo. I can prove that I was not in the state of North Carolina at the times that the ATM transactions took place and I don't believe they can prove that I authorized someone to make these transactions. I have been with Wells Fargo for 7 years and if they had reviewed my bank transactions that they would find I don't use non-Wells Fargo ATM 's for large withdrawals and that I have never made 8 ATM transactions in one day before. I also have never made a cash advance on my credit card. I believe I was the victim of fraud and card cloning. I was treated unfairly by Wells Fargo when they didn't take into account my account history when they made this decision. They are now seeking payment for the cash advance and will not refund me the money taken from my account so it can be transferred back to the credit card.
Consumer complaint received 2017-06-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Collections U.S.A., L.L.C. (FL)

I tries calling this company to negociate the debt and was advised that if I dont pay the debt in full b y  XX/XX/XXXX the  debt will be reported to the credit, I tried to get a payment arrangement, and they told me that a payment arrangement will not stop the debt from hurting my credit, I think this is unfair because I am willing to negociate and make payments, I felt threatened by this. I spoke with supervis or   XXXX   XXXX   on   XXXX   XXXX   XXXX   around   XXXX   XXXX   EST.
Consumer complaint received 2018-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX I called Transunion today to inform them that I had been a victim of their data breach and that there are some negative inquiries that are on my credit report. The first customer service rep said im sorry then hung up on me, the second would not help me in taking care of these issues. I did not authorize any of these inquiries and I would please like them removed. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (MS)

An XXXX XXXX XXXX account was opened in my name, without my knowledge, at an address in XXXX, GA. I do not live there, I live in a totally different state, Mississippi, and I have not given permissions to anyone to acquire any services. While checking my credit report, I saw that a collections company had reported a {$490.00} debt to all three credit bureaus in XX/XX/XXXX, so I disputed this item in XX/XX/XXXX with all three bureaus. <P/>As a result, each credit bureau has continued to report this item as a negative adverse account after the dispute. What actions did they take to resolve this issue? They called the collection agency. <P/>I feel that XXXX XXXX XXXX is allowing this to happen to consumers because their ultimate goal is to make money by any means necessary, including identity theft and fraud. They have workers who install services in homes without asking for proper identification. This simple action would alleviate a lot of problems with identity theft and fraud, but its not being done. Then, its reported to a collection agency who makes money by reporting it to the credit bureaus, because consumers would rather let their credit remain adverse or pay it to make the problem go away, than take the time to let their voices be heard. <P/>Identity theft has happened to me several times. I have worked hard to keep my credit in good standing and I refuse to pay for something I have not consumed.