davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-14
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. (GA)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$54.00} ; XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Balance : {$310.00} ; XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX Balance : {$310.00} XXXX
Consumer complaint received 2022-04-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Adler Wallach & Associates, Inc. (NC)

XXXX XXXX XXXXXXXX XXXX ) sent a " debt '' that I supposedly had been delinquent with since XXXX to AWA Collections. I was not aware that this was happening being I had moved and my phone number changed. In addition I had stopped paying for the service in XXXX and assumed the account was closed. Since XXXX, I had not seen or heard about a delinquent debt with this company XXXX, it was never reported as a delinquent account and they continued to bill me annually for the next XXXX years, even though they did not have communication with me. I recently went through a security clearance investigation and during that process, the XXXX in formed me of a collections on my credit report from AWA Collections, reported XXXX. I filed bankruptcy in XXXX and did not see any need to check my credit report recently because I haven't applied for any credit since the bankruptcy. If I would have known about the delinquent payment, I would have corrected it and stopped billing years ago and/or included it in my bankruptcy. I have not received any communication from AWA Collections regarding this debt since their reported it and only became aware of it during my security clearance investigation. I contacted AWA Collections and they told me the debt came from XXXX. I contacted XXXX and requested documentation of the contract and payment history and they have not responded. I do not feel like any of this is fair, nor do I feel like I should pay for a service I am not using, especially after 5 years of delinquency. The number to XXXX is ( XXXX ) XXXX, address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. The amount the sent to collections is {$650.00}, XX/XX/XXXX. The collection agency reporting this collection is AWA COLLECTIONS, phone number ( XXXX ) XXXX, address po box XXXX XXXX, CA XXXX. I have not heard from either company regarding this debt, I have not received a response for the documents I asked for from XXXX and I submitted disputes to all three credit reporting agencies for this collection.
Consumer complaint received 2023-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Early Warning Services, LLC (PA)

I sent Zelle payment from my bank ( XXXX XXXX XXXX ) on XX/XX/XXXX. Amount is : {$1900.00} See confirmations as attached. I had the funds in the account but the recipient did not get it, it was pending, but failed. Why not? Why the issue? There should be no issues on my end!! Please investigate and report back, date by date, step by step, why this failed. I lost {$50000.00} worth of business because of that. Thank you. I called XXXX XXXX  on Tuesday XX/XX/XXXX, and case No. XXXX ( with XXXX XXXX XXXX ). Zelle is giving issues and problems now?
Consumer complaint received 2022-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Under the Fair Credit Reporting Act ( FCRA ), I XXXX XXXX XXXX have a right to the fair and accurate reporting of my credit information. 

In accordance with the Fair Credit Reporting act XXXX  Account # 's XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, Account Info Reference Number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CNG FINANCIAL CORPORATION (GA)

I keep getting threatening phone calls from a company called XXXX, for a debt that was paid by me and my old bank XXXX XXXX XXXX XXXX, in XXXX XXXX, Iowa. I paid over {$9000.00} last year on XXXX XXXX to pay off all or any outstanding debt I had. I have a confirmation number for this particular former debt that went from {$550.00} down to {$500.00}. in a settlement to pay the debt off!. I am not getting the credit apparently after I paid it they are trying to double dip on me. Here is the confirmation number as follows : XXXX - File number XXXX, I spoke to a XXXX back in XXXX of 2021, she took the payment from my bank debit card. A person named XXXX XXXX keeps calling me harassing me from XXXX, saying they are coming to my job, to arrest me, XXXX told me today XXXX is a XXXX  XXXX. She threatened to arrest me over {$550.00} that has already been paid by me and my former bank in Iowa! This is very scary! Its even been removed from the credit bureaus since I paid it for Check and Go I believe the name of the company is on XXXX XXXX XXXX, XXXX XXXX, Iowa XXXX. They asked for my birthdate and last four of my social # today to confirm it was me to unlock the account for me. ITS PAID! 
Sincerely XXXX XXXX - XXXX.
Consumer complaint received 2022-04-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc. (FL)

I was not notified of an attempt to collect a debt for an old medical bill. Some called Central Portfolio Control appeared on my Credit report yesterday. I was never received any information about this debt and as a result I was not able to dispute it. I feel like this is more than likely an extremely old medical bill. I would like the opportunity to dispute this old medical debt and have it permanently removed from my credit report. The collection agency involved is : Central Portfolio Control XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
Consumer complaint received 2022-04-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (KY)

I feel fustrate becouse my account has been close without any reason. 

i had a limitation and was resolve succesfully. 

so, now my money is hold, i provided all document to PayPal about me and now they do no want help me with this problem. 


i wll apreciate if they can restore my accoung back. 

ID reference limitation d. de referencia : XXXX XXXX
Consumer complaint received 2022-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (VA)

Went to Navy Federal Credit union ATM on XX/XX/22 XXXX XXXX XXXX XXXX XXXX Made A Large deposit of XXXX into my checking account the machine kicked back XXXX but did not give me credit for the XXXX receipt told me we encountered A problem returning your cash please contact my financial institution
Consumer complaint received 2022-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here is the detail of the late payment accounts, company name, balance & date last reported XXXX XXXX {$0.00} / XX/XX/2022
Consumer complaint received 2022-04-21
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: Experian Information Solutions Inc. (CT)

According with the Fair Credit Reporting this company has violated my rights.

section 15 USC 1681 section 602 A states I have the right for privacy.

15 USC section 604 A states it also states consumer reporting agency can not furnish account with out my written instruction. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-16
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (TX)

i closed a master card account, financed through rci barclay 's bank usa, on XXXX XXXX, XXXX the account was paid in full. i just received a billing this month for XXXX the reason i closed the account was spurious billings of this type. i just called the bank complaint number and received an unsatisfactory response. the phone call was ended pre-emptorialy without resolution.
Consumer complaint received 2023-01-03
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: EQUIFAX, INC. (NY)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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
Consumer complaint received 2022-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-21
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. (GA)

XX/XX/2022 I paid the collection account from XXXX XXXX XXXXXXXX in full for the amount of {$820.00}. I was told by XXXX XXXX that the account would be deleted after payment. Its now been a month and nothing has been updated. I called the company today on XX/XX/2022 and they advised me that they have sent the update to the credit bureaus. They have just failed to remove the account.
Consumer complaint received 2022-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY (FL)

You will find all the details in complaint XXXX closed in XXXX. 

The complaint was made by XXXX XXXX one of the users of the card. In a letter I received XX/XX/2022, the bank wanted me, XXXX XXXX the other user and account holder, to confirm that the complaint came from me. I called them a few days later and they only asked me to confirm my identity. 

Since then I have no news from them. 

Thank you, XXXX XXXX
Consumer complaint received 2024-02-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (WI)

To Whom It May Concern, I am writing to file a formal complaint against Midland Credit Management for their blatant violation of consumer protection laws, specifically regarding the handling of my account. The actions of Midland Credit Management have not only disregarded my rights but have also resulted in significant harm to my financial standing and reputation. 

XXXX. Failure to Provide Validation Information : Under 12 CFR 1006.34 ( b ) ( 5 ), Midland Credit Management is mandated to provide validation information upon request. However, despite multiple requests, they have failed to furnish me with any validation information pertaining to the alleged debt they have placed on my consumer report. This neglect violates my right to verify and validate the accuracy of the debt, as outlined in consumer protection laws. 

XXXX. Denial of Dispute Process Opportunity : According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers have the right to dispute the validity of a debt directly with the collection agency. However, Midland Credit Management has denied me this opportunity by not providing a clear and accessible dispute process. This denial further infringes upon my rights as a consumer under federal regulations. 

XXXX. Utilization of False, Misleading, and Deceptive Means : Midland Credit Management has resorted to false, misleading, and deceptive practices in their attempts to collect the alleged debt. Such tactics not only violate ethical standards but also contravene consumer protection laws designed to safeguard individuals from unfair and deceptive debt collection practices. 

XXXX. Violation of Disclosure Requirements : Under 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ), Midland Credit Management is obligated to furnish all necessary disclosures before reporting any account to consumer reporting agencies. However, they have neglected to provide me with the required disclosures, thereby violating federal regulations and compromising the accuracy of the information reported to consumer reporting agencies. 

In light of the aforementioned violations, I demand immediate cessation of all collection activities related to my account and the removal of any derogatory information reported to consumer reporting agencies by Midland Credit Management. Additionally, I request a thorough investigation into the practices of Midland Credit Management to prevent further harm to consumers. 

I expect prompt action to rectify these grievances and ensure compliance with consumer protection laws. Failure to address these issues adequately will compel me to pursue further legal recourse to protect my rights as a consumer. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-04-21
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: CCS Financial Services, Inc. (TN)

In accordance with the fair credit reporting act XXXX XXXX # XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (FL)

on XX/XX/2022 I received a charge of {$15.00} form a balance of {$20.00} leaving {$4.00} available in the account. I was charged {$36.00} overdraft fee at this time when there were no other transactions. On XX/XX/2022 I deposited {$20.00} to cover a pending {$5.00} charge, I was charged another {$36.00} overdraft fee. It is Representative XXXX in the XXXX spoke to supervisor XXXX in the XXXX who told me that the pending amount received the overdraft fee. This is against bank policies as well as Law. There was also no mention of the {$20.00} deposited I made. The Bank refused to refund me even though they recognized the error on their part. This is not the first time this has happened and I feel that someone needs to stop the banks from doing this to hard working people.
Consumer complaint received 2022-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (SD)

On XX/XX/XXXX I paid for my XX/XX/XXXX bill that was due, I had XXXX in my XXXX  account to cover my Capital one payment. 
I noticed the XXXX wasn't taken out right away like many other charge accounts I have. 
So I waited a day and still nothing, I called Capital one and they advised me that it takes up to 48 hours to process a payment??? 
I also called XXXX card customer service and they said it's up to Capital one when they want to take out a payment.
Consumer complaint received 2022-10-14
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. (GA)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-04-21
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (CO)

My issue is with XXXX mortgage. They had my VA home loan on my XXXX AK. property under loan number XXXX. The escrow refund was declared to be {$3500.00} by the company in a letter dated XXXX. XXXX. The letter indicated my payment by check went out as mail on XXXX XXXX. When I got the letter, I waited a few days and contacted them. It took a couple of try 's and four or five days to get a contact established. The last person I have talked with called me yesterday to say the check was being reissued and over-night delivered and I would get a tracking number as of yesterday, their close of business. That person goes by XXXX has a Ph. # of XXXX. Her provided extension is XXXX. Non of the things happened. I'm very frustrated as their own 20 day window has expired. I want my escrow overnight delivered as they promised. Thanks, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX
Consumer complaint received 2022-04-21
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: World Omni Financial Corp. (GA)

was asked by a representative of South East Toyota Finance if being behind by less than one payment was due to covid, I supplied proof that this was the in fact true. Since then i have continually received upwards of 6-8 phone calls and voicemails in a singe day.
Consumer complaint received 2022-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

On XX/XX/XXXX HSBC issued a online bill payment, as requested through their app, of {$5800.00} to XXXX XXXX  This payment was cashed by another entity on XX/XX/XXXX that is not XXXX XXXX  as evidenced by HSBC 's proof of payment ( see enclosed ). XXXX XXXX also signed an affidavit saying they did not receive these funds and sent this affidavit to HSBC on XX/XX/XXXX. We were forced to pay these funds again to XXXX XXXX  since HSBC lost the funds. We are waiting for HSBC to respond. They have been claiming, since XXXX that they are " investigating '' and yet, it is now 2 months later and they have failed to reimburse us for these funds and are no longer responding to follow up calls or emails. Please help. 

I'm enclosing the proof of payment provided by HSBC showing that they paid the wrong entity. Thank you!!
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.