davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (MI)

I received an alert today that an account from this company was reported to my credit report and I have not received any notice or anything at all explaining why! I do not have and written contracts with this company and have NEVER been in contact with them! This is against my consumer rights that this was done and I want it fixed immediately and my 32 points reimbursed to my report or I would have no choice but to exercise my consumer rights and take further action!
Consumer complaint received 2018-07-14
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC. (WA)

XXXX XXXX with Evergreen Professionals called one of the XXXX offices about me to collect a debt.

1. I am not allowed to take calls at work as that is a misuse of state resources- I've shared this with him before yet he fails to comply 2. The deparrment he called I no longer work at. He made the lady who took the call very uncomfortable with there conversation 3. He announced he was attempting to collect a debt 4. He called my personal phone and left a message that he is collecting a debt- I don't have my name listed on the voicemail. That message could have been left for anyone.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2018-07-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Almost 10 years ago, I was having financial problems and I voluntarily relinquished my XXXX XXXX XXXX back to the finance company. Since that time I get repeated calls from a company called portfolio recovery to whom the debt was sold. I block the numbers but the calls come from different parts of the country. In the last few years my credit score has improved tremendously. Please help me to eliminate these annoying calls. Thank you.
Consumer complaint received 2021-07-20
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

The is my THIRD!!! dispute letter and the account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. This is in Violation under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
-CAPITAL ONE # XXXX ( XXXX  ) XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Dating back from XXXX of 2022 and probably before then I have been contacting Trans Union asking for a validation of accounts concerning XXXX XXXX  and XXXX and the only thing I receive back is accurate information they have not shown how or from whom the information is being reported they state in their report if I wish to receive the above description of the procedure they used to investigate my dispute in a separate communication contact them I did that and I still have not received the description used in the procedure to investigate. 

As you can see from the information listed in their response they do not validate the accounts or give the method of how the information is being investigated and as you can see from the information listed Us Courts does not communicate with credit reporting agency so with them listing investigation results as verified as accurate is in correct cause they are not receiving information from the listed contact they are reporting on my credit report and as you can see from the letter submitted information XXXX is not or never been in included in a bankruptcy that account is paid in full and I have the title so how is that account listed in a bankruptcy. 

I ask that these entries be removed from my credit report cause Trans Union is supplying inaccurate information and refusing to remove these damaging information from my credit report.
Consumer complaint received 2022-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I am filing a complaint in response to the resolution I received from Fifth Third on XX/XX/XXXX regarding the bank damaging my credit for following the explicit instructions given to me by the bank. 

Throughout the investigation, there was a complete lack of communication from Fifth Third and the eventual company response failed to even acknowledge the basis of my original complaint. 

The issue was I was given blatantly false information and incorrect instructions from multiple bank representatives regarding a credit card dispute. I was advised at the branch ( end of XX/XX/XXXX, in-person meeting with XXXX XXXX XXXX to refrain from making any kind of payment on the card during the dispute and was later penalized for following the explicit instructions given to me by the bank. I also received contradictory and false details about the status of my card on a recorded line ( XX/XX/XXXX ). At the beginning of the process, I was contacted by the case manager, XXXX XXXX, who assured me he would be in regular communication with me regarding the issue. Despite calling him multiple times a week, I was not able to get a hold of him once beyond our introductory conversation. 

After hearing nothing from Fifth Third throughout the investigation, I received the resolution and it did not even address the claims regarding false information and inaccurate instructions given to me by the bank in their response. This was the entire basis of my complaint. To me, this is a sign that the complaint was not investigated with any reasonable amount of legitimacy or objectivity. In this situation, Fifth Third is both the defendant and the judge when it comes to resolving this complaint, not to mention the conflict of interest in the fact that Fifth Third benefits financially ( accrual of fees ) by ruling against my favor. I have not received the bare minimum of communication or even accurate and accessible information regarding my credit card with Fifth Third since the dispute took place. 

I insist that Fifth Third explains and acknowledges the blatantly incorrect information they gave me, and does not penalize me for what is a company error.
Consumer complaint received 2023-06-23
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. (CA)

This is to inform you that I XXXX XXXX is a victim of Identity Theft and pursuant to FCRA Sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanently block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report. It will also make sure that these debts do not reappear on the credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. A copy of these sections is enclosed, and pursuant to FCRA 605B ( 15 U.S.C.1681c-2 ) Block of Information Resulting from Identity Theft, except as otherwise provide in this section a, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulted from an alleged identity theft
Consumer complaint received 2022-08-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX was contracted to preform Plumbing & Electrical installs on the addition to the property at XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. A total deposit for work was given to XXXX XXXX, for {$1400.00}. Three XXXX payments of {$500.00} each, were sent on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, from XXXX XXXX XXXX. Work was scheduled to be completed by XXXX, on XX/XX/XXXX and XXXX, XXXX On XX/XX/XXXX, XXXX contacted XXXX and stated that he was ill and unable to complete the work, as scheduled. They agreed that work could be rescheduled. For 3 days, XXXX was unable to reach XXXX to reschedule the work contracted. XXXX did not return any of the multiple calls or texts, requesting information on when the work could be completed. On XX/XX/XXXX, XXXX reached and stated that he was still ill. XXXX XXXX she would contact him on Monday, XX/XX/XXXX to reschedule and get the work done. She and her husband attempted calls on XX/XX/XXXX and XX/XX/XXXX, will no responses. They finally sent a text, requesting a full refund and that they would be filing a dispute with their credit union. XXXX still did not respond or contact them. XXXX XXXX did not preform any work at the property and has not fulfilled the agreement for work. Our credit union, XXXX XXXX XXXX was contacted and a dispute was filed for return of funds, due to fraud. Wells Fargo Bank, refused to return funds, even thought this company and person has been reported to the Register of Contractors and XXXX XXXX XXXX for fraudulent activity, on multiple occasions. XXXX XXXX is contracting work as a registered, licensed contractor and he is not either. Wells Fargo Bank will not work with my credit union or me, to return funds that were taken, due to fraud and scamming people. All XXXX XXXX XXXX XXXX is stealing money from people and Wells Fargo refuses to take action.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX 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 that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$480.00}. 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-08-30
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. (FL)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Consumer complaint received 2022-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (OR)

Yesterday I signed up online and downloaded the app. For citi cards. After filling out my information, about one hour later I received a text message thinking it was from citi card. The message reads, bank-mobile- alert-9. ( Call XXXX XXXX # ) # Card-temporarily-locked-ID : XXXX. I thought it was citi card texting me because of signing up for online banking with them, and possibly there was an issue with my new account. I called the number and they asked for my social security number, DOB, address, the card number and PIN number. I unfortunately gave them all the information up to the PIN number. Thats when I figured out this was a scam. I called citi cards right away, they closed out my account for the time being. I will get a new card soon. I also put a freeze with my 3 credit bureaus. And a fraud alert is in place from last XXXX of 2021, from another hack I went through. At this time no monetary problems. I deleted my app. With citi cards and will pay only by paper statements with a check. I hope this information helps you and me. I will be very careful from now on when receiving any text messages that are unexpected. I truly thought it was citi cards at the time, or I never would have responded to the text message.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (TX)

I have a XXXX XXXX XXXX credit card from XXXX XXXX. I never received my rewards check from XX/XX/XXXX. I have called several times and spoken to several supervisors since XX/XX/XXXX. Initially, they said they would look into it and get back with me. After several months, I called back and was told that I forfeited the rewards because the check expired. I explained the problem was that I never received the check so I was not able to know when it expired. He also stated that once the check expires, you forfeited the rewards. But when I look at the terms and conditions, it says that, " Cash Back rewards are forfeited if the XXXX XXXX XXXX Mastercard account is not in good standing is more than two months delinquent on the minimum payment, if the XXXX XXXX XXXX  Membership terminates or lapses, or if the Cash Back earned in a calendar year is less than {$5.00}. '' I was never delinquent on my payments and I use the card frequently. I have been a XXXX XXXX XXXX member for the whole time I had this credit card. And my rewards check is over {$260.00}. No where does it say you forfeit rewards if the check was never cashed or lost. Lost mail is a frequent problem. I feel this is very deceptive as the consumer is the one to get shorted. After complaining to XXXX, I was transferred to a different supervisor at XXXX XXXX and she only offered a {$25.00} bill credit for my troubles and refused to reissue the check.
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

on XX/XX/XXXX i traded in a dodge nitro to hyundia of XXXX XXXX XXXX XXXX XXXX ohio XXXX. Two months later XXXX XXXX reported to the credit agencies. that XXXX XXXX was a repo. did not find this out until XXXX which then i contacted XXXX XXXX by phone. talked to XXXX different people which i got no help and there were very rude. so i didnt like my results i contacted gm online. after about 10 messages XXXX apologized found the error and stated that XXXX the virtual assisant would fix it. sent my documents to cxo resolution document XXXX XXXX XXXX also sent an email to XXXX. i have saved the XXXX XXXX conversation. since then i have contacted experian every month. doing a dispute. Experian gives me every excuess why i cant upload my proof. first i used my iphone used screen shots website wouldnt support it. so tried pdf which website states that the preferred method. tried pdf website still kept saying would not except. meanwhile every time i did a dispute it would come back worse then it did before ....
Consumer complaint received 2023-03-31
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: ERC (GA)

In accordance with the Fair Credit Reporting Act 15 U.S.C1681 & Fair Debt Collection Practices Act 15 U.S.C 1692, ENHANCED RECOVERY CO L 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Chapters
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

It appears that no investigations were conducted on any of the accounts in question. Should there have been any such investigations, I find it challenging to understand how a collection agency could validate any claims, given that I have never entered into a contract with them. If it is the case that every company involved has verified the accuracy of the information, I request to see this confirmation in writing. 
See complain number for reference XXXX.
Consumer complaint received 2022-08-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As of XX/XX/2022 per cfpb director XXXX XXXX a law was passed to have medical files under {$500.00} to be deleted. I have contacted all of the credit bureaus in regards to my 4 accounts that I have on my file that qualify to be removed under the new law. I was advised by each bureau that they would put the accounts in dispute and nothing has happened and we have make no progress, thus prompting me to file this complaint. The accounts I am attempting to get removed are as follows : XXXX XXXX XXXX, ACCT # XXXX {$480.00} XXXX XXXX XXXX, ACCT # XXXX {$250.00} XXXX XXXX XXXX, ACCT # XXXX {$180.00} XXXX, ACCT # XXXX {$79.00}
Consumer complaint received 2022-08-30
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. (CA)

I checked my credit report and XXXX XXXX XXXX Credit Card with the amount of {$2300.00} is fraud, I never have business and i didn't sign up for the business credit card. Please remove this from my credit report ASAP!
Consumer complaint received 2018-12-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch (FL)

On XX/XX/2018, XXXX XXXX XXXX XXXX, placed an account for collection on my credit file impacting all three credit agencies. The original creditor is XXXX XXXX ( XXXX ) in the amount of {$2400.00}. I spoke to a representative at both XXXX XXXX and Helvey & Assoc. and explained that this was my father 's account who passed away. If there is any money owed, XXXX XXXX will have to file a claim against the estate and open probate. XXXX XXXX and Helvey & Associates are trying to subvert the correct legal process and try to collect against myself, who was the XXXX XXXX of the estate. If this is not removed, I will file suit against both XXXX and Helvey & Associates.
Consumer complaint received 2022-08-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION (FL)

I opened and funded a new savings account with XXXX XXXX XXXX Webster Bank recently and then set up an " external transfer '' account a few days later so that I could move some funds through the ACH system. That external transfer account was for XXXX XXXX XXXX XXXX. The transfer account was then verified by utilizing two small deposits and was subsequently confirmed as valid by XXXX XXXX / Webster Bank. I then initiated a transfer of funds according to their " daily limits ''. That transfer was initiated on XX/XX/2022. I received an email from XXXX XXXX / Webster Bank today XX/XX/2022 informing me that the transfer has been stopped and that after they review it, they will either cancel it entirely or it will be delayed. This is clearly an " UNFAIR AND DECEPTIVE '' practice on their part. They have NO right to hold ANY of my funds as long as I adhere to their posted transfer practices which I have done. Despite my attempts by phone to resolve this issue, XXXX XXXX Webster Bank has given me the " runaround '' and failed to resolve this matter. I respectfully request your help. 

XXXX is some sort of subsidiary of Webster Bank. 
FDIC # XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX XXXX