davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: M2 Law Group PC (ID)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Idaho XXXX XXXX To Whom It May Concern : My name is XXXX XXXX XXXX and I am filing an official complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IDAHO XXXX. 

The attorney falsified details on a complaint filed in Third Judicial District in the State of Idaho ( CASE # : XXXX ). 

I requested proof of debt which is my legal right. Letter of Validation : Collection efforts, i.e. documentation, phone calls and/or letters from both the XXXX XXXX and/or his office. No proof of debt was provided. 

In the complaint he stated that he made numerous attempts to collect debts and again 10 days before complaint of judgement was filed. There has been no collection efforts from XXXX XXXX or the attorney. I sent a letter requesting proof of all actions. NONE was provide. This debt is no longer owe- according to XXXX XXXX 

The attorney, XXXX XXXX XXXX knowingly and intentionally practiced deceit knowing that his action would cause hardship and unnecessary XXXX I also filed a complaint with Idaho State Bar Association regarding his actions.
Consumer complaint received 2020-04-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (WI)

I received a check from the Wells Fargo XXXX XXXX XXXX in XX/XX/XXXX, the check was made payable to my father who is deceased. On XX/XX/XXXX, I contacted Wells Fargo, spoke with XXXX advised her my father has passed, I am the Executor of his Estate and asked they reissue the check in my name. I was advised I would need to formally request this to be reissued and she would send me a form to complete. I called on XX/XX/XXXX spoke with XXXX and advised her I still had not received a form, I was advised it was in the queue to be sent this XXXX take 14 days. I received a Reissue Request Form, I completed the form, included a copy of my XXXX Death Certificate, Last Will and Testament, Statement of Informal Probate of Will and Appointment of Person Representative, Letters of Personal Representative and Acceptance as instructed on the form and returned on XX/XX/XXXX. I contacted Wells Fargo on XX/XX/XXXX and was advised they received my all documentation and were processing. I called on XX/XX/XXXX spoke with XXXX and was advised they are still processing. I called on XX/XX/XXXX spoke with XXXX and was advised they are still processing. I called on XX/XX/XXXX spoke with XXXX and advised " Wells Fargo was experiencing system issues since Saturday, she was unable to access my account, she will take my information and call me back when the system was back up '' I called again on XX/XX/XXXX spoke with XXXX, I was advised still under review, Research Team is not taking calls at this time, she will mark this as " high priority '' and have someone contact me within 72 hours. I called on XX/XX/XXXX spoke with XXXX who states still processing, she will request it be " escalated and have someone get back to me, she could not/would not transfer me to someone who could actually assist me. I am EXTRMELY disappointed and appalled in Wells Fargo handling of this very simple straightforward request.
Consumer complaint received 2022-12-29
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. (AR)

This is XXXX XXXX and I am submitting this CFPB Complaint regarding the fraudulent accounts and information I found on my Credit File. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts 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 accounts 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 is 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 XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-05-08
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. (FL)

There are inquiries on my credit report in which I didnt authorize and is in violation of my civil rights please remove. 


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 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 2022-06-03
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. (LA)

n accordance with the Fair Credit Reporting act XXXXXXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # 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 2022-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIRST NATIONAL BANK OF OMAHA (VA)

On XX/XX/2022 I received a letter from XXXX welcoming me to their XXXX XXXX XXXX XXXX credit card. BUT, I never applied for this credit card. 

The letter did not include a card, but it it told me to call and activate the card. I called their customer service telephone number on XX/XX/2022 and informed them that I did not apply for the XXXX credit card and that I wanted to report fraud. I spoke with XXXX and she informed me that she would designate the credit card account as fraud.
Consumer complaint received 2023-05-08
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Credence Resource Management, LLC (TX)

On XXXX XXXX XXXX central time, a representative from Credence Resource Management , called my home phone that is listed on the Do Not Call Registry, and my minor son answered the phone and they told my son that they asked for XXXX XXXX XXXX, my son informed that I wasn't home and the representative informed him that they were calling about a legal matter. My minor son called me and gave me the number and when I called the number back I spoke to a XXXX XXXX XXXX # XXXX, who then stated that she was calling from Credence Resource Management a debt collection company. I asked her for her name, rep number and the name & address of the company, in which she delayed by then gave me the information I requested. I informed her that they were in violation of Federal Law, FDCPA for pretending to be someone else, calling my phone when I never gave them permission in violation of the TCPA and Do Not Call Registry, alone with my name XXXX XXXX XXXX XXXX is copyrighted and they were never given any permission to use the name or to contact me my phone.
Consumer complaint received 2020-04-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Home Loan Center, Inc. (NE)

I got a loan approved but didnt receive the funds do to them telling after they approved me that my credit was bad. I don't remember which one. And everytime i go on th internet lots of pay day loan places pop up or call my phone to harass me for money. I asked for $ XXXX {$2500.00} and they wont pay me but took my money and gave it to someone else. Now im im gettn letters collection agencies and real-estate peo ppl le calling and tellimg me i owe {$80000.00} still. I don't own property. They're garnishing my benefits check because of it.
Consumer complaint received 2020-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (IL)

Citibank offered a promotion where they offered XXXX dollars if you opened a new account for XXXX and maintained the account for a specified period of time. I signed up for the promotion and set up the account. They indicated that the account must be funded within 30 days of opening the account. I sent the paperwork in immediately after opening the account to transfer the money ( XXXX ). They waited the 30 days before making the transfer.I called up and spoke to a representative and they said they would honor the promotion because I had sent in my transfer form in a timely matter. They now say that they will not honor the promotion.
Consumer complaint received 2022-06-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (TX)

Ally Bank is not responsive. On XX/XX/XXXX I received XXXX emails from Ally " we restricted your accounts because we detected suspisious activity on XX/XX/XXXX. You may not be able to log in or transfer money out of your accounts. '' I was on vacation but did call Ally on XX/XX/XXXX and they told me it was their error and there was no suspicious activity. I asked if they were sure? They said " yes '' I verified balances. At this time all the money was there. I checked on XX/XX/XXXX and my balance was fine. I checked on XXXXand {$91000.00} was missing from my savings account! I told Ally I did not authorize this transfer. They said they called me twice, but I never received the call. The phone number they had was not mine! I opened a case XXXX. I can not speak to the fraud dept., the customer servics reps. have no information. Ally negiligently release my money in a wire transfer to XXXX XXXX, never notified me or verified it was me. I am still missing the money with no response or help from Ally.
Consumer complaint received 2020-03-26
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: Premium Credit Bureau (NJ)

Premium CB appears on my credit report as a Hard Inquiry. I have never did business with this company and their is no mutual signed contract or agreement between us. I call this company and they inform me that a company that I hire in the past for credit repear ask them to pull up my credit. When I hire XXXX they never inform me they will run up my credit score, also I have to mention that in the same month that I hire this company I cancel my contract with them due the low and poor quality of service for my person.
Consumer complaint received 2020-04-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (GA)

JPMorgan/Chase was the mortgage lender. In XXXX JPMorgan/Chase stated I was XXXX  months behind on payments ; in XX/XX/XXXX we went to court ; during the proceedings I gave the judge statements from my bank acknowledging the cleared payments to every payment made. The judge ordered chase to update their records ; XXXX  did update records. I continued to make my monthly payments by calling and speaking to an agent to ensure that chase was getting the correct amount, on the statement dated XX/XX/XXXX it was XXXX then on statement dated XX/XX/XXXX it was XXXX. I called chase about the descrepency ; however, the mortgage lender proceeded to tell me my loan was transferred, however I still made a monthly payment to Chase because my loan was not completely transferred my new servicer is now saying I am delinquent and they have not recieved any payments and they want all or none. I have been talking to both and neither one is trying to resolve the issue or update payment history.
Consumer complaint received 2020-04-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (KS)

I have a loan with Sheffield Financial to purchase a riding lawn mower. I receive electronic statements into my email each month. I have paid my payment every month on time. I discovered while making my XXXX payment online that something happened with the XXXX payment I made online and it was not reflecting as paid. Immediately I paid a double payment because it was not my intention to be late. Sheffield 's internet records should show that I was logged into the account and on the payment page. 

Today I pulled my credit report and discovered that Sheffield is showing XXXX XXXX past due in the month of XX/XX/2019 but current after that. 

As a result, today I called Sheffield Financial and explained the situation and they refused to adjust the XXXX past due reflection on my credit report. 

I did not receive a late notice to inform me that my payment did not go through the online system effectively. I also did not get charged a late fee. Companies like Sheffield should send notices to consumers if they are late on their payments so that if something inadvertently happens online, they would have an opportunity to correct the situation. 

It has been XXXX  years since I have had a late payment on my credit history. I have worked very hard to not let this happen. XXXX inadvertent late payment is now going to affect my good history for XXXX  years.
Consumer complaint received 2020-04-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MD)

THE XXXX XXXX XXXX HAVE XXXX ACCOUNTS XXXX & XXXX BOTH IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Consumer complaint received 2020-09-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CO)

In XXXX of this year I deposited {$15000.00} with Citi Bank from a promotional offer they sent me that was maintain a balance of {$15000.00} or more and receive a bonus of {$400.00} after 90 days. I kept my balance at XXXX the entire time. What they did was say I wasnt eligible to receive the bonus because my checking account had been closed. They closed the checking account themselves, not me. They closed it they said because I hadnt maintained a balance in there even though they said either checking or savings account in the promotional offer. I called and they just told me to go XXXX myself basically. Avoid Citi ( XXXX ) bank whenever possible. Misleading and purposely deceptive business practices.
Consumer complaint received 2020-04-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (AZ)

Radius Global Solutions sent me a letter stating I have an account balance of {$970.00}, and they would like to settle for {$680.00}. I do not recognize this debt and debt does not belong to me. They stated it was from XXXX  XXXX XXXX  from XXXX. I received a call asking to verify my name and last name, and I stated I was not going to release personal information over the phone. They then proceeded by saying that they will be taking me to court if I don't pay, when they hadn't even verified who they were speaking to. Was a very unprofessional way to speak to me, please remove this immediately!
Consumer complaint received 2023-05-08
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. (CA)

My name is XXXX XXXX XXXX. My social number is XXXX. I am writing to you because this incorrect account is on my credit report. these account : 1. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$0.00} 2. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$300.00} 3. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$4000.00} 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$400.00} 5. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with balance of {$18000.00} These are not my accounts. I don't know about. I sent a remove letter couple of times, but it has not been removed yet and I have not been contacted, so I am sending a letter like this again. Please remove these incorrect and wrong accounts from my credit report.
Consumer complaint received 2020-04-06
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. (AL)

Experian shows XXXX XXXX and XXXX XXXX on my credit file. 
I have filed an identity theft report and have the police report. I sent the paperwork to Experian and have removed them. But now they are showing it back on my credit file. I've called Experian but they are asking for an identity theft report from the local law enforcement agency which they have ... 
The XXXX and XXXX are stating that it is mine but would not release documentation. 
Other bureaus, XXXX  and XXXX  have removed except Experian.
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My consistent effort has been to ensure timely payments on this account, preventing any instances of being overdue. I'm perplexed by the presence of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be implemented.
Consumer complaint received 2020-03-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

I received a call from XXXX on XXXX at XXXX from a lady who was beyond rude to me and over powering in regards to a payment that I've been unaware of. Upon her demanding a payment from me i explained how this nation is on a state of emergency due to Covid-19 and i am out of work so i can't pay today. However instead of giving me payment options she over talked me. From that point i asked to speak to the supervisor! A guy named i believe XXXX got on the line and I explained to him the situation thinking hell be more helpful but it was worse. I told him i want to discuss my options and he gets real loud and combative with me i responded " excuse me sir but as a costumer or a civil human being your not going to raise your voice at me nor talk to me like I'm a kid ''. This supervisor then states " your not my costumer and okay if your not a kid then listen ''. His rude remarks left me no choice but to thank him for the phone call and i let him know I will be taking further action. I reached out to my friend about this business to get more information and see how to file a complaint. She told me this will be the best route. To ensure the accuracy of mt statement i recalled the number and ask the male representative that picked up if i can have the names of the people i spoke with. He couldn't find me by my first and last name and told me i got two options, " Give me your social or I'm hanging up this call ''. I said well i don't feel comfortable giving my social but if i have to however can i have your name so i know whom I am talking to. He bypass that question and asks for my social once more and because i wanted his name he hung up in my face. I am unsure how to go about this situation and hope this review could lead me to accurate results.
Consumer complaint received 2020-04-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

THE XXXX XXXX XXXX XXXX A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Consumer complaint received 2020-04-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY (PA)

my old card was used by a fraudulent person, so I bought this card and it will not recognize my email nor can I get money from my acct, they are saying its locked up now, can not get a person to talk.the date I started on XXXX keep stating it will take 2to 3 days, this is now 6times I have tried to get an anserw,,,,,,, ,please help me with this card its a blue bird American express ... ... thank you.XXXX