davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NC)

The original account was with XXXX XXXX credit card and was sent to collections in early XX/XX/2016. Midland funding LLC reporting the account in collections on XX/XX/16. For the last several months they have reported me as 30 days late. This account is in collections and should not be reported as a missed payment every month. Can you please help
Consumer complaint received 2019-08-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NJ)

My account was originally with XXXX XXXX XXXX. My credit card info was stolen and someone charged hundreds of dollars from a hotel company in XXXX on XXXX XXXX of XX/XX/2018. The credit card company refused to take it off after multiple attempts and closed the account due to it being over the credit limit by an extreme amount.
Consumer complaint received 2018-07-28
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: Fidelity National Information Services, Inc. (FNIS) (MN)

I'm trying to cash a check at XXXX and keep getting denied. I called certergy to find out why and discovered that some checks I didn't write or cash are linked to my drivers license number. A while back I had my wallet stolen along with my id and explained this to them and told them that it wasn't me i then had them check my social security number and none of those checks were linked to that. So clearly whomever stole my wallet used my id to cash some checks.
Consumer complaint received 2020-05-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

On XX/XX/XXXX Square , Inc, Square Up, www.squareup.com deactivated a money processing account I had with them without notice. I received an email and could not call to question why. In the email I was told the remaining balance would be released to me in 90 days. 

After receiving an email from a XXXX in Account Services I am still unable to transfer my {$1900.00} out of this companys account. I have tried unsuccessfully many times to email them back since my account is deactivated and I cant call. 

They are intentionally defrauding me out of getting my money back.
Consumer complaint received 2019-08-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Resolution Corporation (MO)

This company ACCOUNT RESOLUTION CORP which i have NO CONTRACT with is Reporting on my credit reports fraudulently. * Were you named on the original contract with the original creditor? * If not, do you have a contract between your company and me, signed by both parties? * If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving my information to a 3rd party without my knowledge or consent is  perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition? * Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me? Verification is a sworn testimony so you should also be responding in that format. Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible.
Consumer complaint received 2019-08-23
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: Experian Information Solutions Inc. (NJ)

I have sent out 2-3 letter asking Experian to verify and reinvestigate the Bankruptcy they say is accurate and also has been verified on my credit report. I have not gotten any factual proof of their investigation, yet they continue to report.
Consumer complaint received 2020-03-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (IN)

I received a letter in the mail from. XXXX XXXX XXXX about an account I had with XXXX XXXX. XXXX XXXX has been obnoxious when they revoked my credit card four years ago and I gave them a cease and desist order. When reading the letter from XXXX XXXX XXXX XXXX, I see they have been contacted by LVNV Funding LLC, which apparently purchased the debt from XXXX XXXXXXXX. I asked them for the number and when I called LVNV, they refused to talk to me unless I lift the cease and decist order. I have been working with two other debt collection agencies to pay off a debt incurred when my mother was ill before she passed away. I would like have LVNV provide me all the information concerning my account with them. I believe they should be reprimanded for demanding I lift my cease and desist order. It is my right not to have anyone call me.
Consumer complaint received 2018-07-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I opened a Citigold account with Citibank in XX/XX/2018. I opened the account due to the promotional offer of opening up an account, completing certain activities and receiving a {$700.00} cash bonus. The activities as advertised on the advert where complete ( 1 ) {$1000.00} or higher ATM card purchase, complete ( 2 ) bill pays ( 1 ) per month for the first ( 2 ) months. 

I completed the ATM purchase on XX/XX/XXXX for the amount of XXXX. I completed the first bill pay on XX/XX/XXXX for XXXX, and I completed the second bill pay on XX/XX/XXXX for XXXX. 

On XX/XX/XXXX I called Citi in regards to the bonus, and they stated that I had not completed one bill pay. Apparently the bill pay towards my Citi CreditCard did not count. When I opened the account, I was not told that any payment to my Citi Credit Cards from this account would not be valid. 

I proceeded to close my account to the fraudulent advertisement that I received.
Consumer complaint received 2020-04-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NJ)

CASHAPP IS A SCAM ALL THE MONEY, I PUT IN I NEVER ACCESSED IT MY NAME IS XXXX XXXX THEY HAVE NO PHONE NUMBER TO GET ALL MY MONEY BACK. 

XXXX XXXX SCAMMED ME OUT OF CASH APP MONEY XXXX XXXX SCAMMED ME OUT OF MONEY MY BENEFICIAL BANK ACCOUNT IS CLOSED DUE TO THE MERGER OF XXXX. 

I NEED ALL MY CASH APP MONEY BACK.
Consumer complaint received 2019-08-22
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

IQ Data International phone # XXXX X XXXX XXXX XXXX has called me at the general number for my work at least 4 times today ( XX/XX/2019 ). The first occasion was at XXXX this morning. I explained I was at work and she insisted she had to talk to me right then. I spent over 20 minutes on the phone with her and XXXX XXXX? trying to establish payment options ( which they refused and wanted a full payment up front ). XXXX XXXX was argumentative and very mean when I explained I was at work and she can not take my employers time to discuss personal matters with me. I tried to call back during my lunch break to verify I was attempting to see if I could find some alternative means to prevent the debt from hurting my credit score. They are closed during my lunch break. Then she called twice to my work # after I had already explained it was inappropriate and she raised her voice to me. I can not be harassed in my place of work. I did tell her I was reporting her. She also accused me of being evasive by not answering my cell phone while at work. I am on company time and can only make phone calls during my breaks. It would be inappropriate for her to continue to call a general office #. I would rather her send the debt to collection than jeopardize my employment. She also yelled that she has every right to call me at my employer and lied and said there were no consumer protections and no legal means to get her to stop.
Consumer complaint received 2020-03-10
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)

EQUIFAX IS ABSOLUTELY THE WORSTTTTTTT CREDIT REPORTING AGENCY I HAVE EVERRRR DEALT WITH AND I HOPE THEY CLOSE DOWN!!!! NOT ONLY DID THEY END UP WITH A DATA BREACH WITH EVERYONES SOCIALS AND INFORMATION, LEAKED OUT THEY HAVE THE AUDACITY TO NOT HELP YOU WITH AN IDENTITY THEFT ISSUE!!! ABSOLUTELY RIDICULOUS!!! I DISPUTED FRAUDULENT INQUIRIES OVER 50 TIMES WITH MY EXTENDED FRAUD ALERT, THE CREDITORS HAVE SENT MULTIPLE REQUESTS FOR REMOVAL OF THESE FRAUDULENT INQUIRIES AND THEY REFUSE TO REMOVE THE INQUIRIES. IM SICK AND TIRED OF REACHING OUT TO THEIR DEPARTMENT!
Consumer complaint received 2020-09-27
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: ERC ()

to whom it may concern below are a list of accounts that are reporting fraudulently on my credit report 1 ) XXXX XXXX XXXX  {$1200.00} XX/XX/XXXX XXXX ) ENHANCED RECOVERY COL {$570.00} XX/XX/XXXX
Consumer complaint received 2019-08-22
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. (CA)

I am a victim of identity theft. I tried to solve this matter with the company in the past. Back on XX/XX/2019, Equifax received a notice from me delivered via certified mail in which I informed that a fraudulent account and fraudulent charges were included on my report without my consent or authorization. As of today they have failed to remove this fraudulent account from my credit report. This is a violation under the FCRA. 

Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and Defamation of character. 

Account is the following : XXXX XXXX # XXXX. Date Opened XXXX.
Consumer complaint received 2019-08-23
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: Santander Consumer USA Holdings Inc. (AL)

I pulled my credit the first week of XX/XX/XXXX and found a number of unauthorized inquiries, this being one of them. I sent them a letter dated XX/XX/19 that asked them to either provide me with proof of authorization or remove this inquiry from all of my credit reports because I do not recognize and did not authorize such inquiry. It's XX/XX/19 and I still haven't heard from this company.
Consumer complaint received 2019-08-23
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: PRESTIGE FINANCIAL SERVICES INC (AL)

I pulled my credit the first week of XX/XX/XXXX and found a number of unauthorized inquiries, this being one of them. I sent them a letter dated XX/XX/19 that asked them to either provide me with proof of authorization or remove this inquiry from all of my credit reports because I do not recognize and did not authorize such inquiry. It's XX/XX/19 and I still haven't heard from this company.
Consumer complaint received 2019-08-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I took out a loan to go to school total of {$6400.00} in XXXX The school after a few months refunded the loaning company {$1500.00} XXXX XX/XX/XXXX ) I have been paying on this loan since I took the loan out. I missed a few payments in XXXX and talked with the company about setting up an autopay option. I was told that by doing so I was assured to pay off the loan faster. They ( Navient ) but me on a 20 year variable interest rate loan which I didn't agree to. I have been doing the auto-pay option since XXXX and they will take $ XXXX {$100.00} a month. After a few years I went to try and log onto my account online but couldn't, I got a message that the account was invalid. Money still was being taking out of my account. Recently I closed that checking account forgetting about the auto-pay to Navient. 

I have gotten numerous threatening calls at least 6 times a day. 
So I looked into how much I have paid on this loan, {$12000.00} on a loan for {$6400.00}. Navient claims that I still owe them {$3400.00} because it is a 20 year loan. 

I have put in request to speak with their Ombudsman, I have gotten a few responses but no resolve to my issue. Only that they are going to look into it further.
Consumer complaint received 2020-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: EQUIFAX, INC. (MD)

I had a XXXX  XXXX  product through XXXX  thru XXXX. Apparently, this product was discontinued and I was automatically enrolled and charged by " Equifax Consumer '' on XX/XX/2020 for {$190.00} on the credit card that was on file with XXXX. I did not authorize this charge by the new company, period. However, since I was charged I decided to give the new company a chance, but after several phone calls ( with no help ) and giving out my personal information to 4 different associates, I decided I was being given the " run-a-round '' by a fraudulent company. I did contact my credit card company who has raised a dispute on this item. I want the CFPB to remind Equifax that making unauthorized charges on a consumers credit card is " FRAUD '' and as a reporting agency they should be aware that unfair and deceptive practices are wrong, ALWAYS WRONG, even if you are the reporting agency.
Consumer complaint received 2019-08-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (CA)

Hello My daughter has a car loan with ALLY/XXXX. The first payment was due in XXXX. 
She paid it on the company website as requested. XX/XX/2019. 
Second payment XX/XX/2019. What happened next caused the problem. 
Payments were reversed from them to us. XX/XX/2019. And Returned on XX/XX/2019. 
Again reversed for the payment on XX/XX/XXXX, and again for the payment on XX/XX/XXXX. 
We have made the payment they way they asked. On the company website. 
Now we are constantly in arguments with them because they want to charge late fees for all the payments. And constantly call us demanding payments. We have made the payments in good faith to them. We can not control mistakes on there side. We have not been given an explanation as to why they keep reversing the payments. This is just becoming a major harassment issue. Thank you XXXX XXXX XXXX my cell XXXX ALLY Financial
Consumer complaint received 2019-08-23
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: CURO Intermediate Holdings (AL)

I pulled my credit the first week of XX/XX/XXXX and found a number of unauthorized inquiries, this being one of them. I sent them a letter dated XX/XX/19 that asked them to either provide me with proof of authorization or remove this inquiry from all of my credit reports because I do not recognize and did not authorize such inquiry. It's XX/XX/19 and I still haven't heard from this company.
Consumer complaint received 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity theft. I tried to solve this matter with the company in the past. Back on XX/XX/2019, Experian received a notice from me delivered via certified mail in which I informed that fraudulent account and fraudulent charges were included on my report without my consent or authorization. As of today they have failed to remove these fraudulent accounts from my credit report. This is a violation under the FCRA. 

Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and XXXX of character. 

Accounts are the following : XXXX XXXX # XXXX. Date Opened XXXX. 
XXXX XXXX XXXX Account # XXXX. Date Opened XXXX
Consumer complaint received 2020-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

please remove fraudulent accounts

XXXX XXXX XXXX 
open date XX/XX/XXXX

XXXX XXXX XXXX   
XX/XX/XXXX

XXXX XXXX XXXX 
XX/XX/XXXX
XXXX XXXX XXXX 
XX/XX/XXXX

XXXX XXXX XXXX 
open date XX/XX/XXXX
Consumer complaint received 2019-08-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TitleMax LLC (MD)

TitleMax LLC located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX MD XXXX was the Title/Settlement Company for our Land and Construction Loan settlement on a property in Maryland. We had our first settlement on XX/XX/2019, which was botched because the seller refused to sign the settlement paperwork. We had our second settlement on XX/XX/2019, and we thought we purchased a property with a clean Title. We have since learned now 4 months later that our Deed can not be recorded with the County because the sellers refuse to pay a Deed Transfer Tax and  the Title/Settlement Company is doing very little to resolve this matter. We have been following up with this Title/Settlement Company for 3 months to resolve the issue to no avail. We have paid a lot of money for a property, for which we do not have a clean Title or a recorded Deed because of this company 's negligence and possibly fraud. Because of this issue, the County will not issue any permits, which is delaying the construction of our new home.
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

This debt collection company is violating my consumer rights and causing me emotional distress by constantly harassing, publishing an alleged account that I do not owe. I have reached out to this company several times via phone call and email which I recorded for proof. I owe no debt to XXXX XXXX XXXX nor XXXX. I refuse to pay a debt, I do not owe. I also do not wish to contract with XXXXXXXX XXXX XXXXXXXX. This has caused me job loss due to negative and false information published by this debt collector, which made me suffer XXXX and XXXX. This debt company negligence has caused me to seek medical attention.
Consumer complaint received 2019-08-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (CA)

I was on a trial modification & my final payment was never applied, I immediately contacted the Servicer ( email attached ) who told me that it was too late & my trail was cancelled. They believed I sent the payment to the regular payment address. I have a witness who mailed the payment at work & can confirm it was mailed to the address previously used. I filed a complaint w the CFPB & submitted an appeal w the servicer. I received no response for the appeal & was told that they were still working on the cfpb complaint. However I have a sale date in a few days, so I requested that it be placed on hold pending the result of my complaint & appeal. This was denied. I was advised to submit a new complete assistance package, at least 5 days prior to the sale, which I did via email. When I called to follow up, I was told that it has not yet been uploaded & it may take 3-5 days. This seems unfair, that if I sent it in prior to the 5 day deadline, the servicer will take so long to upload, possibly after the sale date or without enough time to be reviewed. Previous complaint # XXXX
Consumer complaint received 2019-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

THE BANKRUPTCY COURT DO NOT REPORT TO ANY BUREAUS PERIOD, AND THEY DIDNT SPELL OUT THE CITY OR STATE ON MY REPORT