davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (OK)

I cancelled my XXXX XXXX XXXX XXXX  account when I moved because I was not allowed to transfer the service. When on the phone I was told the equipment did not need to be returned. I kept it anyway. A year later I received a phone call from a collection company saying that I owed {$160.00} for unreturned equipment. I called XXXX XXXX XXXX with the collection company on the line and they said that was their fault and I can return the equipment late and they will update my balance to {$0.00}. I returned the equipment on XX/XX/XXXX through XXXX I have the receipt for the return. I received a phone call another few months later again from the collection agency. We called XXXX XXXX XXXX again and they stated they would be pulling it out of collection. The equipment return had not been processed yet, but assured me that they would process it and take the account out of collection. The collection agency XXXX XXXX XXXX reported this account to my credit report again and I was made aware from XXXX credit monitoring on XX/XX/XXXX. I have never received any correspondence from Credence or XXXX XXXX XXXX about this account. I expect them to update their account and remove this incorrect information from my credit report. I will be cancelling all of my services with this company. I am on my 8th transfer again with XXXX XXXX XXXX trying to resolve this with noone being able to help yet including the collection dept/billing dept/managers/customer service. They are so large they think they can lie to consumers and pull more money out of them by inconveniencing them. I would be curious to see the amount of other consumers with false collections on their credit reports because of these companies.
Consumer complaint received 2021-12-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (AZ)

This complaint concerns unauthorized money transferrers from our Wells Fargo Account through XXXX Debit. Unauthorized transferrers are as listed below : XXXX {$470.00} XXXX {$480.00} XXXX {$3500.00} XXXX {$3500.00} XXXX {$3500.00} We complained to our branch and to the Wells Fargo Claims Assistance Center. Our claim was denied by Wells Fargo. They stated that the transfer of the money must have been through hacking of our computer. We contacted XXXX, our system security application, and they stated there is not evidence of hacking or a virous on our system. We provided this information to Wells Fargo- but they have not replied for a month. 

The Case Number with Wells Fargo is XXXX
Consumer complaint received 2021-12-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio (GA)

On XX/XX/2020 I a collection from a company called XXXXance and Huffman LLC was opened in the amount of XXXX. I do not own this debt and, needless to say, it is effecting my credit rating of my XXXX report. I would of course like this to be removed.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (IL)

Every month, since XX/XX/XXXX, I have notices that Mohela ( my student loan lender ) is providing an incorrect balance and inaccurate actual monthly payment to all 3 credit reporting agencies. Because, I am trying to improve my credit score, the accuracy of this information is very important. Even the XXXX XXXX monthly balance and actual payment is missing, not reported at all. I believe if all of this information was reported correctly, my credit score would be higher. 

Every month, I have had to file a dispute with all 3 credit reporting agencies against Mohela. When I contact Mohela they tell me that they are reporting the correct information. 

Only last month did I learn that Mohela is using a third party distribution center to send the updates to all of the credit reporting agencies. I believe this is were the breakdown may be happening. 

Today is XX/XX/XXXX and all 3 credit reporting agencies are still showing the incorrect balance of {$87000.00} for XXXX. I understand the reporting is one month behind, and that Mohela reports information being reported for the month of XXXX is still showing incorrectly.
Consumer complaint received 2021-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Army and Air Force Exchange Service (TX)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2021-12-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (IL)

I came to an agreement with midland on a payment plan that satisfied both parties. The last copy of a document I received was after I made a phone call to set up my payments automatically which states I would pay {$100.00} on XX/XX/XXXX and then subsequent recurring payments of {$100.00} beginning XX/XX/XXXX and last payment of {$100.00} on XX/XX/XXXX. I have made all agreed upon payments which were taken automatically and electronically from my account ending in XXXX as per the agreement. I have upheld my end of the agreement and I no longer owe midland anything for the account they own which was previously an express credit card owned by comenity bank. Midland is showing on their website when I log into my account that I still owe {$230.00} and that my account number with them changed and shows no payment history nor allows me to check my old account number. They sent absolutely no correspondence that my account number was changing. Now they are incorrectly reporting this debt and it is still showing on my credit report and harming me when I have done the right thing and worked hard to repay this debt. I called early XXXX and a specialist said the account was paid off, and did nothing else about it. I have since tried to contact midland multiple times to which I have received zero response and no contact whatsoever.
Consumer complaint received 2022-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I am a victim of identity theft and there are names and addresses on my credit report that does not belong to me. I have contacted the companies to remove these items but they have failed to do so. The phone number on my file also does not belong to me please remove these items to minimize more theft. I do not want my information to continue being compromised and sent to addresses I do not reside at. The following addresses need to be removed as well as names and number. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remove the information above from my credit report. 

The correct address is XXXX XXXX XXXX XXXX XXXX XXXX and the correct name is XXXX XXXX will attach my FTC report as well.
Consumer complaint received 2021-12-16
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: Experian Information Solutions Inc. (VA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (IL)

On XX/XX/XXXX I received a call from a regions branch at ( XXXX ) XXXX. The representative told me someone was trying to impersonate me and cash a {$1500.00} check. I told them to not cash it as it was fraud. I was told to contact my local branch which I immediately did. I was told by the local branch there was no way to flag my account or do anything to prevent it from happening again and she would call back on the XXXX when she had information. 
Evening of XX/XX/XXXX there was a pending transaction labeled return of deposit of XXXX for {$1500.00}. I called Regions fraud unit on XX/XX/XXXX at XXXX and was told there was no deposit for XXXX so nothing should have been returned or cashed but it was. She told me there was nothing she could do. 

As a consumer, I feel like Im being blown off and that my financial institution didnt have the proper measures in place to prevent this when it came to their attention.
Consumer complaint received 2023-02-03
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. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2024-02-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC (TX)

Collections appeared on my credit report that I was not familiar with. I look into it and I realize I never gotten written notice about this collection nor has anybody reached out to me via phone. I called this collections agency and asked them to send me over information to verify the debt and also proof of wax signature and they didnt do that either.
Consumer complaint received 2021-12-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (CA)

I was charged in double for XXXX XXXX XXXX insurance for my phone. I didn't realize that it was going on for a year. When I did realize the issue I contacted XXXX XXXX and was told I would be receiving a refund of {$220.00} XX/XX/XXXX. I never received the refund that was sent by check. I have contacted XXXX for months regarding not receiving my refund and have gotten the run-around. I have attached the statement that shows that they intended on refunding me the amount. And below are the multiple phone attempts I made to try to receive a refund. 

Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX Spoke to TD Retail XXXX I was told to call XXXX XXXX XXXX that handles XXXX XXXX and they said they sent out a refund check XX/XX/XXXX for {$220.00} but I never received it. XXXX said it looked like the check was cashed. I told XXXX I went through my bank account to verify that I hadn't cashed it and forgot. I asked XXXX if she could request a copy of the cleared check to verify who signed it and cashed it. XXXX said she would contact the back office and look into what happened and get back to me. 

XX/XX/XXXX Called back for status update spoke XXXX according to her she was getting this escalated, she didn't see any notes from my previous conversation with XXXX, and get a refund in XXXX business days XXXX # XXXX XX/XX/XXXX Spoke to XXXX regarding XXXX # XXXX and she said the back office is looking into my refund they sent out for an update on XX/XX/XXXX and did not receive a response so they are emailing again. I was told to call back Friday with new ticket # XXXX to check on the update. 

XX/XX/XXXX Called XXXX XXXX XXXX XXXX Spoke to XXXX who was reaching out to the back office to see if there was any update. She said the back office spoke directly with TD Retail card services and they said the check was cashed. I told XXXX that I had previously requested a copy of the cleared check to be sent to me. I went through all my deposits in my bank account and saw nothing for this amount. She said I should contact TD Retail card services directly XXXX. I mentioned that I received a letter on XX/XX/XXXX from TD Retail stating that they were notified that some electronic correspondence was unable to deliver because the email address on file was incorrect, invalid, or correspondence was flagged as spam. I have NEVER reached out to TD Retail stating such.
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

The distress caused by this situation is palpable, impacting my quality of sleep and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error that I am not responsible for.
Consumer complaint received 2021-12-01
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. (IA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-12-01
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: Experian Information Solutions Inc. (MI)

I sent numerous letters to Experian regarding collections listed below for verification of these unknown collections. I have not received any confirmation that these collections are in fact mines. It has been pass 30 days allowed by the FCRA. I also sent in a FTC report regarding these collections as im not aware of these items.
Consumer complaint received 2021-12-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

They are contacting me about a credit card debit from over 12 years ago. This debit is not on my credit report and they tried this same tactic about 3 years ago. Demanding i make payment to them or legal action summons will be issued. They are contacting several of my family member. 

Account is HSBC credit card, amount given {$2000.00}. They can not provide me with the full account number. 

There telephone number is XXXX and XXXX LCS XXXX XXXXs
Consumer complaint received 2021-12-01
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: EQUIFAX, INC. (TX)

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 

I, XXXX XXXX, a consumer, the natural person, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. 

Certified Mail # : ( XXXX XXXX  XXXX XXXX XXXX )
Consumer complaint received 2021-11-30
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: VW Credit, Inc (NY)

XXXX ( automated dialer call from Volkswagen credit ) has called me XXXX times in the past XXXX months without my express consent. I have called and asked to speak to a supervisor regarding this, one was supposed to call me back and never did. I attached screenshots of the dates and times of the calls.
Consumer complaint received 2023-01-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (NC)

Purchased XXXX XXXX XXXX XXXX through XXXX XXXX XXXX 
In XXXX it was repossessed. The fees kept going up, and we were charged Insurance fees through the finance company in addition to the full coverage we had through our own insurance company. We were not notified until it was too late and we were behind on fees. The XXXX was repossessed after we made arrangements to catch up and resolve the issue.
Consumer complaint received 2021-12-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (NV)

I had multiple deposits made into my US Bank checking account, including {$710.00} on XX/XX/XXXX, {$290.00} on XX/XX/XXXX, and {$210.00} on XX/XX/XXXX. The receipts confirming the dates and amounts can be provided upon request. 

I made a payment to my XXXX credit card from the same US Bank checking account in the amount of {$170.00} on XX/XX/XXXX. 

US Bank fraudulently changed the order of these transactions in a way that made my account appear overdrafted when it was not : They posted the XXXX credit card payment on XX/XX/XXXX, and all XXXX deposits on XX/XX/XXXX. Then they assessed a {$36.00} overdraft fee. 

I called US Bank on XX/XX/XXXX to request that the overdraft fee is removed because no overdraft has occured. The representative was evasive and uncooperative, claiming that they received a " notification '' about my payments " after XXXX on XX/XX/XXXX ''. Despite my explanation that they were in posession of my deposits for days before the disputed overdraft took place, the rep refused to consider a refund of the overdraft fee.
Consumer complaint received 2020-11-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

XXXX phished an email disguised as the title company I was using. The real escrow account and information is different than what this scammer submit, and me thinking the email was legit wire instructions. They knew when I was closing and to send closing emails.
Consumer complaint received 2021-12-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

Dear Sir or Madam : On XXXX XXXX, I notified Enhanced Recovery in writing that this debt be Exemption, Due to Hardship, they refused to cooperate or consider, or verify. 
Enhanced Recovery refused to follow up on my letter explaining or notice it is disputed. 
I wish to file a complaint against XXXX under the Dodd-Frank Act. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion
Consumer complaint received 2021-11-30
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. (PA)

i have contacted all XXXX credit bureaus to challenge the 100 % accurate and factual reporting of XXXX accounts showing up on my credit report XXXX XXXX  '' ... ... all XXXX times that ive challenged them, they have come back verified as accurate ... how is this possible? they are not conducting proper investigations is the answer ... i have attached a copy of the report with all of the inconsistencies circled,,,,, THIS ACCOUNT HAS BEEN RE AGED THIS IS A VIOLATION
Consumer complaint received 2020-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX, TX XXXX '' Please contact the company directly to verify that they have your correct address. Once the new information is reported to Experian, you will be able to submit your dispute online. For further questions you may contact us at XXXX. 

XXXX XXXX ( XXXX ) XXXX Collection XXXX XXXX Collection account. {$3000.00} past due as of XX/XX/XXXX. 
( XXXX ) XXXX Public Record XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not mine
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

Under the FCRA I have the right to have promotional suppressions placed on my account without requiring a full account freeze. Over the past 2 years, I have written TransUnion, both via certified mail, and through their Live Chat feature to have this suppression added to stop creditors from accessing my information and sending me promotional credit offers. TransUnion has repeatedly ignored and directly denied ( in writing ) my requests.