davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (VA)

I received a text on my personal cell phone on thursday, XX/XX/2019, saying word for word : " Please contact MRS Assoc. regarding a XXXX matter at ( XXXX ) XXXX. This is an attempt to collect a debt and any information obtained will be used for that purpose. MRS is a debt collector. Further details have been mailed or emailed. Please review your email inbox, junk, or spam folder. Prefer to chat? Visit us at www.mrsbpo.com and chat with a representative. '' I received calls from MRS on XX/XX/2019 at ( XXXX ) XXXX and on XX/XX/2019 at XXXX ( XXXX ) XXXX. I will not pick up or respond to these calls or texts. My XXXX  account was closed on XX/XX/2019, which is only possible to do when the balance is {$0.00}. 

I have moved from the address the account was linked to ( remember, the account is now closed - and had no balance left when I closed it ) and have received no mail or e-mail regarding the supposed " debt '', which makes the attempted collection illegal. They are giving me no details of the debt and I will not respond to their texts or phone calls. MRS Assoc. should be fined and put out of commission. They need to stop harassing me for debt I do not owe and this should NOT show up on my credit report.
Consumer complaint received 2019-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (CA)

This company is trying to collect a debt from 13 years ago.These is acrooked company trying to make me contact them to revalidate the debt. They are calling me on the phone and sending me letters like the one attached below. This has to stop because it is illegal
Consumer complaint received 2018-12-12
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. (SC)

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I've reach out to the credit bureaus several times, but I was not successful as I've now learned that all the disputes and letters I've sent in were just verified electronically, or sent overseas for processing. I am wanting to block these fraudulent accounts from my credit report, they have don't so much harm, and cost me lots of money with the lenders that I now do business with. After consulting with my attorney and a mortgage broker, then informed me of my options in handling my situation. 
I initiated contact with XXXX  through their online dispute database. I listed accounts, addresses, name variations, as well as two SSN 'S on my report that are not mine. This accounts were verified. So I called and spoke to a representative who said these accounts were verified and updated using an electronic method. 
Also stating that no physical verification or validation was needed, and that I would have to file a id theft report, police report and to contact CFPB. I will include my credit report and ID Theft report in this complaint.
Consumer complaint received 2019-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (GA)

The account was running late as my husband had not been responsible with credit card. 

I am an authorized user on the account, which means my credit tanks with his. I reached out to CitiBank and asked for the payoff from a representative, I paid that amount in XX/XX/2018. The account was closed, so to my knowledge, that was all we had. 

This morning XXXX XXXX ... I receive an alert from XXXX   app advising of a finance charge of {$5.00}. I immediately log into my account and see that they have charged me additional fees and reporting late balances. 

I called into customer service to let them that I wasn't aware of any fees, seeing as though the account was paid off. I asked them to remove late charges because I wasn't aware of the issue. They refused and still couldn't guarantee that I wouldn't receive any other fees. 

This is not my account, however, I was on the account. I paid the {$5.00} although I didn't feel like I should have. This is not great customer service. 

I feel like it's a cowards way of attempting to ruin one 's credit and keep getting fees on an account that has been closed for over a year.
Consumer complaint received 2022-06-15
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. (NY)

In accordance with Fair Credit Reporting Act Portfolio XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX Account # XXXX XXXX  Account XXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights .

15 USC 1681 Section 602 A : states I have the rights to privacy.

15 USC 1681 Section 604 A 2 : states a consumer reporting agency can not furnish an account without my written obstructions. 

I know for a fact EQUIFAX, XXXX & XXXX do not have my written permission to report these accounts on my consumer reports.
Consumer complaint received 2019-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MN)

A XXXX XXXX credit card account was opened in my name in XXXX. In XXXX wells fargo closed the account without my prior knowledge. I was unaware of any remaining balance. Since they closed this account in XXXX, they have been continuously reporting late payments each month to the credit bureau. I recently checked my credit report and have noticed 40+ late payment notifications on a closed account!!! It has damaged my credit very badly. I had no prior knowledge of these late payments that were reporting to my account each month for the past 4-5 years. I have filed a dispute with XXXX, Equifax and XXXX and they have failed to remove this from my credit report. I am making a formal complaint with XXXX, Equifax and XXXX for failing to due there due diligence to respond to me and correct my reports.
Consumer complaint received 2018-04-27
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: EQUIFAX, INC. (TX)

XXXX/Equifax have done two investigation with the OAG child support division and come back with the incorrect information both times, when I am able to call during any business hours and get the correct information from the first person I speak to. XXXX/Equifax has my obligation starting before it was ordered to start, as well as missed payments when I have not missed one payment.
Consumer complaint received 2022-06-15
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. (NY)

In accordance with Fair Credit Reporting Act Portfolio XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX  Account # XXXX has violated my rights .

15 USC 1681 Section 602 A : states I have the rights to privacy.

15 USC 1681 Section 604 A 2 : states a consumer reporting agency can not furnish an account without my written obstructions. 

I know for a fact XXXX, XXXX & TRANSUNION do not have my written permission to report these accounts on my consumer reports.
Consumer complaint received 2020-11-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: World Acceptance Corporation (MO)

My identity has been seriously compromised by online identity theft and it has left me with issues u unknown and unauthorized. Prior to my wallet was stolen and reported so this is a recurring issue. The following accounts are the aftermath of the fraud. I am demanding that the credit reporting agencies remove and block these accounts immediately 1. XXXX XXXX XXXX XXXX 2. XX/XX/XXXX {$1000.00}, 3.world finance corporat {$1000.00}, 4.world finance XXXX. 5. World Finance Corporat  XXXX 6.World finance Corporate XXXX. 7. World finance Corporate XXXX. 8. World finance corporate XXXX. 9. World finance corporat XXXX 10.world finance corporat XXXX 11.World finance Corporate {$510.00} XXXX XXXX XXXX {$730.00}
Consumer complaint received 2020-07-26
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Cashier 's check scam/fraud through XXXX ; no assistance from Bank of America. 

I posted an item on XXXX for sale. An individual XXXX XXXX XXXX, XXXX ) contacted me, saying he wanted to purchase the item for his daughter. He said he was in the hospital, so would send me a cashier 's check for the cost of the item, plus additional for movers to pick up the item. My item was selling for {$1200.00}. 

" XXXX XXXX '' sent me a cashier 's check for {$2500.00} ( USPS tracking number XXXX ). Return address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, NY XXXX. The check was drawn from XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, WI XXXX. XXXX : XXXX XXXX. Numbers on the bottom of the check : XXXX XXXX XXXX. 

I received the check on XX/XX/19, and immediately deposited it into my Bank of America checking account. After I received notice from Bank of America that the check cleared, I then transferred, through XXXX, {$1200.00} to XXXX XXXX, XXXX XXXX. 

After I transferred money through XXXX, Bank of America notified me that the cashier 's check did not clear. This meant I was immediately out {$1200.00} through the scam. 

I immediately contacted Bank of America by phone. After hours on holding and reciting the story to several individuals, BofA told me that they started a fraud claim. Ultimately, I received a letter from BofA saying there was nothing they could do to help me because I approved the XXXX transfer. 

Adding insult to injury, BofA charged me a returned check fee of {$12.00}.
Consumer complaint received 2018-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

I'm a American Express SPG card holder and am writing to report about American Express 's false advertising for their credit card products. As a XXXX SPG card holder with card # ends in XXXX, I received an invitation while I was logged into my online account to add additional cards to my SPG card. Per the terms and condition, after each card spend {$1000.00}, I would earn XXXX  star points for each additional card. As a result of their advertisement, I added 4 additional cards on XX/XX/XXXX expecting to receive XXXX star points in total after meetings spending requirements by XX/XX/XXXX. To my disappointment, so far I have only received XXXX  Starpoints and the rest of XXXX  Starpoints are still missing. Per my contact with American Express since XX/XX/XXXX, not only do they fail to explain why they haven't fulfilled their advertising terms, but they also refused to give me a clear timeline when the points will be deposited. I think this constitutes false and misleading advertisement because I added the additional cards and made extra spending purely for the sake of the advertisement, had I known that American Express would not fulfill the advertising terms, I wouldn't added the additional cards in the first place. I would like to see XXXX   star points deposited to my account asap.
Consumer complaint received 2021-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

I sent dispute letters to Experian and XXXX certified mail on XXXXXXXX  regarding a bankruptcy case number XXXX thats Inaccurate information being reported on my credit report. I am positive my information was obtained from XXXX to obtain inaccurate information from my public files which has been DELETED. If these credit bureaus did there diligence and obtained the correct information, they would see that the information they are reporting in regards to the bankruptcy stated above is extremely inaccurate. My credit is being negatively impacted due to there neglectful reporting and I demand Experian and XXXX remove this bankruptcy.It is not fair that they can simply snoop around and report only half truths and cause so much distress. They are in violation of my consumers rights under 15 us 1681a ( 4 ) consumer right privacy. This bankruptcy should not appear on my credit report.
Consumer complaint received 2019-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: HireRight Solutions, Inc. (UT)

I am not the person with a felony. I have never been in XXXX County court. I have never even been arrested for a felony.

I am not convicted in anything ever from XXXX County.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been a victim of identify theft I have reported the problem already with local police, FTC AND CFPB I did notice some incorrect addresses and employer information that needs to be removed as soon as possible because it is incorrect. I have reach out to the companies already and got no help I have attached my XXXX  drivers lice sec which has my correct address. The employer information is incorrect as well and needs to be removed I am monitoring my credit daily sense my ex boyfriend use my information to obtain fraud accounts in my name.
Consumer complaint received 2019-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I had a collection that was paid and guaranteed from the collector XXXX XXXX to remove from report after payment made and it still shows on my report. Creditor said he is not reporting to the credit bureaus..NOT only that, it is reported INCORRECTLY, INACURATE<, NON CompLIANT to the Metro 2 system and FCRA and they keep claiming for VERIFED and ACCURATE.

DAte opened, last reported, date last active all wrong and inconsistnet
Consumer complaint received 2022-06-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CADENCE BANK (MS)

XX/XX/2022. Someone transfer my money to another account without me knowing. They used the XXXX app through my bank. They took {$100.00} and {$2500.00} from my account.
Consumer complaint received 2021-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Credit bureau continues to report inaccurate and unverified information on my credit report. I have request PROOF of their investigation, documents that show how they determined my dispute accounts were verified, and for the person they made contact with who verified these inaccurate accounts so that I could follow up with them directly. to has been well over 30 days and I have received nothing the furnisher nor the credit bureaus. I have attached both of my last letters sent to the credit bureau. Note : I have still not received any form of proof after both request.
Consumer complaint received 2019-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (TN)

On XX/XX/2019 we contacted US Bank regarding the amount of interest on a cash advance which we have no record of initiating. We were advised by the customer service agent that they can only go back 7 years and after review, can not locate any cash advance transaction on the account.  US Bank was requested to go back prior to 7 years and research any such activity. It is out position that we did not make such an advance and the charge must be fraudulent. On XX/XX/2019 US Bank responded that they could not find any record of the cash advance. This letter does not state they only went back 7 years to review. We asked US Bank to go back to the inception of the account. On XX/XX/2019 we requested an interest adjustment to this account for any and all interest or fees imposed since the initiation of this transaction. To day we have not received a written response to this letter. In a telephone conversation with a supervisor today we were informed that since US Bank could not locate the cash advance and that since we could not prove we did not make a cash advance they were not providing any interest adjustment on the account. It is our position that an adjustment in interest applied should be made.
Consumer complaint received 2019-03-25
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Opportunity Financial, LLC (IL)

Hi, I took a payday installment loan for the sake of building my credits and we entered into a contract with payment terms that they deduct installments from my checking account. I gave them all the information they wanted that included my account and routing number as per contract. Initially, they didn't deduct money as per scheduled payment and I called them 3 times asking them to take their money and they didn't. I paid through a debit card thereafter. I did pay again 3 times more and asked them to perform their responsibility to deduct their money as this is important for my credit building. I then told them I am not doing it through debit card anymore. Have to do their obligation as per contract, it doesn't say I have to use my debit card as a routing number was a condition for approval. 

This week I wondered that they contacted my employer and decided to garnish my wage. This is unfair to me as I wasn't informed and it is not my fault, I never refused to pay or change my account. They didn't do their responsibility to deduct money while I gave my account information ( confirmed today they still have ). 

This is unfair garnishment and punishment to me because of their fault ( or their systems ). My intention is to build my credits instead they are now destroying me more while I am innocent. Again they never gave me a chance to defend or give my position on this. I am still willing to service my loan and never refused to fulfill my obligations but I getting unfair punishment for this company failure to comply with the agreements. 

I urge your help to assist me to remove this unfair garnishment on me and let the company comply with their promises. I also ask you to judge this and make Opploans repair my damaged credits that were caused by this unfair transaction. I am not delinquent to this transaction.
Consumer complaint received 2022-06-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX and XX/XX/XXXX, there were unauthorized XXXX transactions and a {$10000.00} wire transfer of money out of my wife and my Capital One accounts as well as internal transfers of money between our XXXX ( XXXX ) accounts. I called Captial One to report the fraud/unauthorized XXXX transactions and wire transfer. Captial One Bank provided me with a claim # XXXX for unauthorized wire transfer, and claim # XXXX & # XXXX for the XXXX ( XXXX ) unauthorized XXXX transactions taken from our account endingXXXX. Capital One Bank locked our accounts. Capital One assured me that they would do an investigation. The XXXX ( XXXX ) unauthorized XXXX transactions were unusual since I did not use Captial One Bank to transfer monies out of my account using XXXX. My wife and I did not add this criminal or his/her cell number or email address to our list of XXXX Recipients XXXX In the years that we have had these XXXX Capital One accounts, we have never wired money to anyone. There is no history of wire transfers out of our Capital One Bank accounts. It would be easy for Capital One Bank to flag such unusual activity on our accounts. Yet, Capital One Bank instead of safe guarding our money, permitted this fraudulent activity to take place. Even when provided with an XXXX Police report, Capital One has chosen to protect themselves rather than protect my wife and I. This was a crime and Captial One Bank has refused to restore the money that was stolen. I filed an police report with XXXX and a Identity Theft Report with the Federal Trade Commission. The following unusual activity and fraudulent transactions were never authorized : XXXX XXXX XXXX XXXX XXXX {$200.00} XXXXWithdrawal to Savings Now {$1000.00} XXXX to XXXX XXXX {$400.00} XXXXWire Convenience Charge {$30.00} XX/XX/XXXX - Wire {$10000.00} XXXX Deposit from Savings Now {$1000.00}
Consumer complaint received 2022-10-21
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. (FL)

CFPB + Experian, On my Experian credit report dated XX/XX/2022 - there are hard credit inquiries I do not recognize, are unauthorized, and would like removed from my credit report - attached to this complaint are : my drivers license my social security card my mailing address my complaint letter my Experian credit report page displaying these unauthorized hard credit inquiries that need to be removed as soon as possible.
Consumer complaint received 2019-03-27
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Regional Processing Services (FL)

XXXX subimitted as additional to Complaint filed on XX/XX/2019. 

United States Post Office says company published address XXXX XXXX XXXX  XXXX XXXX, CA XXXX is an invalid address. 

XXXX XXXX XXXX XXXX list the following information about the collection : XXXX was not able to locate a business registration for Regional Processing Group, LLC in XXXX XXXX or with the State of California. We reached out to the business requesting this information but the business did not respond. 

Regional Processing Group, LLC does not advertise a physical address but only a PO Box that XXXX got returned mail from. 

XXXX urges caution when engaging in business with a company that does not have a valid physical address or that you can not verify its registration.