davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC (TX)

They keep calling me several times per day. Sometimes up to 6 times in one day. 
Just yesterday XX/XX/19 I received calls from the following numbers at the following times : XXXX -- -- XXXX XXXX XXXX -- - XXXX XXXX XXXX XXXX XXXX -- - XXXX
Consumer complaint received 2019-03-20
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. (IN)

EQUIFAX is in violation of my consumer right by reporting a wrong information on my report XXXX XXXX XXXX XXXX that starts with XXXX, i need this account blocked completely from my report and block any future report from this company.
Consumer complaint received 2018-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

I have Wells Fargo Business checking account. 
They have placed limits on my online transfers ( transfer out to external accounts ) ... which is greatly impacting my business. 
I have been trying hard to convince them to increase my limit but getting the usual excuse making response from Wells regarding this. 

My money is stuck with Wells Fargo business checking account.
Consumer complaint received 2017-07-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Phoenix Recovery Group (TX)

A collection has been placed on all 3 credit bureaus by Phoenix Recovery Group for the amount of {$1200.00} on account # XXXX. I have now sent 2 certified letters to the company to verify license information pursuant to Texas Finance Code Sec. 392.101. BOND REQUIREMENT. ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state. ( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter. ( c ) The bond must be in the amount of {$10000.00} I have attached the expired bond information which was obtained on the Texas Security of State ( XXXX XXXX ) website. The company has failed to provide this information.
Consumer complaint received 2021-12-07
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: AMERICAN EXPRESS COMPANY (CT)

These accounts don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies. 

. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft AMEX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-12-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

Form Intent to Move Out obtained & given to leasing office @ XXXX in XX/XX/XXXX. Actual move out in XX/XX/XXXX. 

Around XX/XX/XXXX, I was contacted by National Credit Systems , Inc Acct # XXXX to collect on Early Move Out/Reletting charges. 

Per discussions with XXXX, I was instructed to send Form that was turned into them at that time & debt would be removed. I sent form via email in XX/XX/XXXX. 

Note : On XX/XX/XXXX, I sent via us mail copies of documents : Email, Intent to Move Form, Money Order.Tracking # XXXX XXXX XXXX XXXX XXXX XXXX. I later discovered the option to go online.
Consumer complaint received 2019-03-20
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 have been a victim of identity theft, accounts have been opened in my name, I'm requesting this information to be blocked from my credit report in accordance with the FCRA.This has cause a great damage to my ability to get a better job as well as get funding .Please remove thesee item as stated in the attached letter and all non-account holding inquiries from my credit report, an FTC identity theft affidavit been filed, it will be attach to this complaint.
Consumer complaint received 2022-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Phoenix Recovery Group (TX)

Phoenix Recovery Group has illegally added a duplicate account from the same creditorXXXX XXXX XXXXXXXX to my XXXX credit report. A collections account in the amount of {$730.00} was added to my XXXX credit report on XX/XX/XXXX. I disputed this debt with Phoenix Recovery Group as I do not owe this debt. This same account was previously on my XXXX report as well, but I was able to have it successfully removed because I proved that I do not owe it. I disputed this debt a total of 3 times. On XX/XX/XXXX, on XXXX XXXX it shows the same account was removed AND added back the SAME DAY! On XXXX XXXX, I received a notice from XXXX XXXX that there was a new account added to my report. Phoenix Recovery Group added the SAME account from XXXX XXXX XXXX, but now in the amount of {$730.00} ; a {$1.00} difference! This new account has the same open date as the account in the amount of {$730.00} ; XX/XX/XXXX. I never received anything in writing in regards to this new account in the amount of {$730.00} prior to it being added to my XXXX report. If it's indeed a new account, a new account number was not provided, neither was an itemized list of the charges. This action is a clear violation of the Fair Debt Collection Act, as well as the Fair Credit Reporting Act. I have emailed Phoenix Recovery Group in regards to this requesting to cease collections on BOTH accounts and to have BOTH accounts removed from my XXXX report.
Consumer complaint received 2021-12-07
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. (TX)

Regarding : report number XXXX I am a victim of identity theft. I am/have formally disputed an account ( s ) that I have learned has been made, opened or applied for without my consent and your company is now reporting such inaccurate information. 
I did not make this transaction or open or apply for this account and have not authorized anyone else to do so for me. In my original dispute date XX/XX/XXXX, I asked your company to investigate AND furnish me with your findings. I asked that the account be removed if you found no legal proof the account belonged to me and if the account did belong to me, I asked that your company furnish me with the full name and contact for the person who verified the account as accurate as well as a copy the agreement with obtained my legal wet signature showing that I authorized the account ( s ). 
Your company has done neither! Your company has provided me with NO proof your investigation! In fact, your company responded to my request by sending a computerized response to my OLD address, an address I have clearly giving your proof I no longer resided at, during my first dispute on XX/XX/XXXX.
Consumer complaint received 2022-06-12
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. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2019-03-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE (IN)

My parents dog recently passed away suddenly and I wanted to get them a new puppy. 

I had been checking into puppies when my mother notified me she had found one through a friend who had gotten a puppy from this company and they were more reasonably priced. 

As they were referred by a friend, and we checked all the puppy scam lists, we were not hesitant to move forward on the transaction. We both signed the contract electronically and on XX/XX/2019 XXXX ET I transferred the money to them through XXXX XXXX XXXX. 

We were to pick the puppy up from the airport on XX/XX/XXXX. They answered all my mother 's phone calls and emails and were very cooperative. 

On XX/XX/XXXX, I received a text message from my mother that she now saw them on the scam list. What we didn't know was that the couple who was referred to us had retired and this company purchased their domain name since they had such a good reputation. 

I have been told by my bank, Huntington, that since it was a XXXX transfer there wasn't anything they could do. When I called again they said they would open a case but it would take 60-90 days and still probably couldn't do anything. 

My mother filed a complaint with the XXXX, TX Police Department ( we are still waiting on a case number ). The FTC ( XXXX # XXXX ), the ic3.gov ( Victim # XXXX ), the XXXX, she found their IP address and spoke to the hosting company for their website and got it shut down, to XXXX to get their email addresses closed and to XXXX so they could be put on their list as well. 
My mother was told that do to the severity of the problem, it is now under the umbrella of Homeland Security. When my mother followed up with the FTC and ic3.gov, they both stated that if we had any problem with the bank to notify them. 

All I'm asking is that, as with any other fraud claim, the money be returned to my account while its being investigated. We certainly have enough information to proof it was a scam/fraud. 

My concern is, if they take 60-90 days to investigate, this company will be shut down and there will be no way to make contact with them.
Consumer complaint received 2022-06-12
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. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

Account address ID # XXXX, has violated my rights and is incorrect. 

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 an account with my written instructions.
Consumer complaint received 2021-12-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

On XX/XX/XXXX, I sent a letter regarding inaccurate and unknown on my credit report. I feel like I am being taken advantage of and being ignored by my disputes. Concerning a car that I purchased at XXXX XXXX XXXX a XXXX XXXX XXXX XXXX XXXX XXXX XXXX with VIN : XXXX, Financed by XXXX XXXX for amount de {$30000.00} for a period of 72 months, payment {$52000.00} per month. 

Unfortunately, the car is defective. The car differed from a hidden defect was discovered the next day XX/XX/XXXX. I quickly noticed the failure. I am disappointed because after running on XXXX at XXXX miles, I received a noise Bing Bing Bing. There is something rubbing inside the steering wheel that spreads all around the steering wheel. 

To resolve the problem, I returned the Car at XXXX XXXX Dealer On Sunday XX/XX/XXXX. I would like to replace the car with a new one that's not defective. I negotiated for another car but the dealer refused. The dealer told me to go to a XXXX XXXX XXXX to fix the problem. On Monday XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX One 's given to me an appointment is for XXXX month. I called the dealer, I look forward to his reply and a resolution to my problem, and will wait until XX/XX/XXXX. Effectively, the car was returned to the dealer on XX/XX/XXXX. I cancelled the insurance ( XXXX ). As XXXX Car  Dealer gave me the XXXX license plate, XXXX Car Dealer told me they will return the license plate to DMV. I called the XXXX XXXX Bank that the car is returned and is in the hands of the dealer. The dealer never returned the license plate to DMV New York.
Consumer complaint received 2022-06-12
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Social Finance, Inc. (PA)

I have contact this company about this debt that was inserted into my credit profile I have contact the company asking this company to contact my attorney about this debt this account refuse and is still threatening me and now is currently in litigation. This company threaten for my credit to be rued and this company is single handily worked on destroying my credit and I am asking for help before I processed with legal actions. Thanks
Consumer complaint received 2021-09-16
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2019-03-20
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (NY)

XXXX XXXX XXXX XXXX. XXXX Home loan fianced amount XXXX Down payment XXXX This loan took forever to close. We went back and forth because of credit issues. However, I paid off everything except my cars on my credit report. People were pulling my credit report all the time which was making my score continuing to go down. I had already had a commitment for a mortgage and all the demands were met, but for some reason the back would not give me the clear to close. So this company took it in the own hand without asking me and switched lenders. I was just going through my email and noticed there were documents for me to sign. These days I thought it was a scam, but I thought I would check with XXXX and see if it was something they did. Sure enough it was and I would told to open it up and sign them ASAP. XXXX  me I do so, I was told everything was the same. From that point I heard nothing from them for 10days. I received a phone call from my attorney XX/XX/18 and said we were closing in 2 hours and bring my checkbook. When I got to the closing, the closing figures were still coming in. Remind you, I am a first time home buyer,  FHA loan, 5.50 % because I had a low credit score, now I had to put 10 % down I was told at one point with closing costs and 10 % down on a XXXX loan it was be XXXX. Keep in mind my credit is all paid off. Well guess what, at closing I needed XXXX Plus XXXX for a XXXX Credit Card that I was an authorized user on and XXXX. on XXXX XXXX that I was also an authorized user on for my daughter. I did not have that extra money but had to pay in order to close. XXXX   never informed me of any of that. I have never heard from them since they changed lenders on me. They stole from me, damaged my credit even more, and fudged numbers. The lawyers I worked with even the bank attorneys could not believe what they were seeing.
Consumer complaint received 2022-05-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN HONDA FINANCE CORP (NY)

I, XXXX XXXX, consumer and natural person recently obtained my credit reports after being denied for things I should have zero problem attaining given my status to find a debt being reported that I have no recollection of authorizing or establishing.

Honda Financial Services is claiming I owe an alleged debt that was charged off.

I have sent them a conditional acceptance on condition they provide 1. Validation of the debt, that is the actual accounting, 2. Verification of the debt, that is a signed invoice 3. A copy of the contract binding both parties, and to 4. Make available for my visual inspection the original contract that would make them the holder in due course.

I have sent this conditional acceptance and an Affidavit of Truth with my demand.

At first they sent a letter back saying the address on my credit report was the wrong address to send correspondence which is a XXXX XXXX compliance violation within itself. Then when I sent another letter to the " correct '' address they only responded with a printed version of the accounting with no signatures anywhere. Nothing signed by me or anything that actually binds me to the debt. 

I do not recall creating this debt and they are reporting this debt on my name but refusing to verify it. Is there anyone that can help me stop this fraud? 

They also sent a letter with the accounting that states they do not have to follow the rules of the FDCPA because they aren't debt collectors. This screams fraud and they are reporting this on my name.
Consumer complaint received 2022-05-03
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. (FL)

I sent out an FTC report on XX/XX/XXXX XXXX to XXXX, Equifax, and XXXX to remove inaccurate/ false inquiries. Equifax is working to remove the inquiries. However, XXXX and XXXX has yet to address my problem. Furthermore, it has been over 30 days for each of the three credit bureaus to respond.
Consumer complaint received 2022-05-03
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. (FL)

I sent out an FTC report on XX/XX/XXXX XXXX to XXXX, XXXX, and TransUnion to remove inaccurate/ false inquiries. XXXX is working to remove the inquiries. However, XXXX and TransUnion has yet to address my problem. Furthermore, it has been over 30 days for each of the three credit bureaus to respond.
Consumer complaint received 2016-10-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

Under the Derogatory Account section of my Credit Report appears XXXX ( XXXX ) for {$1300.00}. I have no idea what this is and it has negatively affected my credit score and ability to obtain a car loan. I have only XXXX credit card a Visa.
Consumer complaint received 2022-10-18
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (NY)

My name is XXXX XXXX My phone number is ; XXXX and would like to report a fraud from the company Western Union XXXX transfer - against me with location in the address : XXXX XXXX XXXX. XXXX, N.Y. Zip code ; XXXX I sent XXXX hundreds dollars to XXXX XXXX XXXX XXXX in the date XXXX XXXX XXXX  and the final received that is my sister ; XXXX XXXX XXXX XXXX De XXXX she never received the money. The number of tracking is : ( ( XXXX ) ) The money was retired from another Check cashier Western Union in the location The XXXX XXXX : XXXX XXXX pharmacy XXXX XXXX XXXX XXXX. XXXX, NY This is a telephone number that I XXXX the time of the next morning XXXX XX/XX/2022 around XXXX to XXXX XXXX 
I make a complaint two times with the company Western Union and they give me this claim complain number ; XXXX XXXX XXXX and this is the XXXX XXXX ; XXXX XXXX XXXX
Consumer complaint received 2021-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (MD)

Today is XX/XX/2021. Earlier today I went to get some car maintenance done, which I paid for with my Chime debit card. Everything was fine. Around XXXX XXXX EST, I went to check my account on my app, and it logged me out. I didn't have my password on me so I pressed forgot password. It kept giving me a " too many requests '' on the screen. So, I called customer service and ironically the automated operator said they were closed. Last time I checked they were available 24/7. The second time I called it stated I was eligible for free auto care. I thought it was through Chime. I still don't know. Now someone has my name and car model. I hung up and called back and now the number is not available from the area I'm calling from according to the automated message. Now, I can not access my account from any angle. Chime did not and still hasn't gave any notification of any technical difficulties or other mishaps to me. I can not get in contact with anyone by phone, and no one has answered my email. I can't log in to speak to anyone through chat and if I could I wouldn't have any problem because the problem is not being able to access my account. How this situation is being handled is unproffesional and fraud like. There's no one you can contact, no one has yet to notify me of Chime having issues, and their phone number is being rerouted if not shut off from receiving calls from customers. I want what's left in my account out of their system ASAP so I can go with a more professional and safe banking institution.This is beyond draconian, and it seems as if these institutions keep getting away with these so called mishaps. I have rights as a natural living being, creditor, consumer, and sovereign and this here is in violation of majority if not all of them starting with the non communication. Someone needs to look into what's going on with Chime regarding this matter and have them release people their money along with investigating their business structure because it's ironic no one can be contacted when not being able to access my account nor funds. I need access to my property ASAP.