davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

I  XXXX    XXXX   walked inside California Check Cashing Place {$250.00} onto my card I woke up the next morning to pay for the hotel room because our ceiling was leaking and it c alled black mold so decided to go place money on to the card gave them the money left the building went back to the room for the night the next morning I woke up to pay the money for the room and there w as no funds there so me my wife and kids were left outside in the rain on the sidewalk with our clothes so I returned to the check cashing place ask them what was going on the guy asked my name he said that the lady yesterday done something that she should not have done she went inside the system after hours cancel the card without me being there my number my name and number is on file concerning this situation she left a temporary card I took the temporary card took my family out to get something to eat put something warm on there stomach went to the register and there was no funds on the card what back to the place of business they gave me the number to the distr ict manager spoke with him 2 or 3 times since then have not received my money back or any other notices it 's been nearly four month s
Consumer complaint received 2024-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NC)

Multiple unauthorized ( fraudulent ) transactions. 

As specified : - Transaction for {$150.00} on XX/XX/year> Description : XXXX XXXX  XXXX SC XXXX XXXX Transaction for {$78.00} on XX/XX/year> Description : XXXX XXXX XXXX SC XXXX
Consumer complaint received 2019-07-08
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. (PA)

I was notified of a negative remark on my Equifax report for collections of an insurance policy that I never opened nor am I affiliated with in anyway. I quickly disputed the remark, which took 30 days to receive an answer sent original dispute on XXXX. Upon receiving the final decision on XXXX Equifax decided that I am still liable for the claim, and they did not remove it. I called the company and questioned them and they were not able to help me in anyway, they told me to contact other parties involved, which I had already done, and realized that they had the wrong person. My address didn't match, my SSN did not match, my DOB did not match, and neither did my drivers license number. I explained this to them, and they told me nothing they can do. The amount of the delinquency is {$370.00}. Also, upon Equifax receiving the claim from the collection agency XXXX XXXX XXXX XXXX XXXX they updated my personal information with what was on the documents, rather than realizing it was not the correct person. ( Which could be illegal ). None of the information lines up, each party has something different, and none of it matches to my identity.
Consumer complaint received 2017-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On numerous occasion I have contacted  TransUnion LLC. a bout inquires on my credit report that were deleted and added back to my credit report without my knowledge. I spoke with an agent on  XXXX / XXXX / XXXX  who admitted that there was a glitch in the system in which everyone was effected but refused to remove the inquires listed below from my credit report. She stated that I needed to prove that I had been effected by the glitch and when asked to produce information that stated I was not she could not produce the information.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   duplicated should only be listed once )   XXXX
Consumer complaint received 2022-12-15
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. (NJ)

This is my Second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-15
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. (NJ)

This is my Second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I tried to get my three free annual credit reports and files today several times ( XXXX XXXX ) on annualcreditreport.com and was denied to receive them. I need them sent to the address I have on file at CFPB website immediately.
Consumer complaint received 2017-05-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (LA)

XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  Has placed a collection account on my   XXXX   report in the amount of {$600.00}. I received no notice that this was going to be placed on my report. This was done  XXXX   XXXX ,  2017 .
Consumer complaint received 2019-07-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (CA)

I owe around {$10000.00} to Chase, and am in a debt resolution program with XXXX XXXX XXXX. I provided Chase the number to XXXX XXXX XXXX, and was told not to have any further contact with Chase representatives, as XXXX representatives would handle it. As of Friday, XX/XX/XXXX I  have been receiving calls from XXXX XXXX, formerly known as XXXX XXXX XXXX. They are a credit collections company used by Chase. On Friday I received 2 calls, on both XXXX and XXXX I received one call, and today on XXXX I have received three calls. One of these calls was a call to my office asking to speak to me, however I was in a meeting. The man who called was very aggressive to my boss who answered. I checked with a lawyer and learned that repeated calls on the same day and calling my work are illegal practices. Calling my place of work puts my job at risk. As stated before, I have provided the number for XXXX XXXX XXXX, whom they are supposed to be working with.
Consumer complaint received 2019-07-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Glass Mountain Capital, LLC (CA)

On XX/XX/2019, I received a call from a collections agency for the first time regarding a debt that was charged off by the creditor over 2 years ago ( I called the original creditor over two years ago to pay debt and they would not allow me to ). They told me of a debt owed, but there was nothing in writing prior to the phone call. They threatened to send their attorneys after me if I didn't pay. I told them that I would like to see in writing the debt that was owed and give me a week to resolve the situation. I spoke to a manager and he said he would email me the information. He sent a protected file that I could not access. I replied twice for him to check and send again. No reply. They are now calling me on XX/XX/2019 ; several phone calls.
Consumer complaint received 2016-11-01
Product: Credit card — 
Issue: Delinquent account — 
Company: Financial Business and Consumer Solutions. (FL)

A company called FBCS is trying to collect on a debt from 10 years ago on behalf of XXXX XXXX. A debt that no longer exists. I have double checked my credit report and this debt is non-existent. I explained this to them today and claim they will " remove '' the account. We will see. They have called numerous times, but I gave them the run around until I could verify it was a legitimate company and not just a scam. Surprisingly it is a legitimate company trying to collect an illegitimate debt.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

DO NOT CLOSE THIS NEW COMPLAINT. 
I HAVE VERIFIED MY IDENTITY WITH THE ATTACHED ID, SSN CARD AND BANK STATEMENT. 
PLEASE REVIEW ALL ATTACHED DOCUMENTS IN ITS ENTIRETY.
Consumer complaint received 2018-02-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SECURITY FINANCE CORP (MO)

This debtor will not validate ownership of this debt. They continue to insist that I owe them money for a loan that I did not apply for. I asked for the application verification, etc..to no avail. They menacingly called my home, threatened to negatively report to CRA, repeatedly and stopped by my home personally leaving cards, and quizzing neighbors of my whereabouts. Now, it has shown with a negative impact on my credit report and I want them held accountable. I have asked numerous times to review the loan application that I supposedly completed. I get no cooperation other than threats of damage if it remained unresolved. I would like it resolved once and forever, now.
Consumer complaint received 2016-09-08
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (CA)

I refinanced my home through XXXX XXXX XXXX XXXX in XXXX 2016 and it was immediately bought by Freedom Mortgage. Freedom Mortgage then failed to pay my supplemental property tax bill from my escrow account that was due on XXXX/XXXX/2016. When I contacted them to notify them of the missed tax payment and penalty assessment, they said to email them the documents and they would take care of it. They immediately paid the tax bill, but also paid the tax penalty from my escrow account. 

When I called to complain that the tax penalty was due to their failure to timely pay the tax from my escrow account, they said they were not responsible for the supplemental tax payment but made it for me as a courtesy. The supplemental tax bill was issued months before I refinanced by home and prior to Freedom Mortgage purchasing my loan. In short, Freedom Mortgage bought my loan, failed to pay my property taxes on time, and then said I was responsible for the tax penalty for their failure to pay my property taxes on time.
Consumer complaint received 2024-04-06
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Monterey Financial Services LLC (VA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Monterey Financial for their repeated refusal to address my request for the missing {$73.00} owed. Despite multiple attempts to communicate and resolve the issue, Monterey Financial has ignored my inquiries and failed to provide a satisfactory resolution.

Initially, Monterey Financial acknowledged my request to cease communication regarding the matter. However, upon my confirmation to resume contact with them, they have consistently ghosted me, refusing to respond to my subsequent messages inquiring about the missing funds. 

To provide context, I received a partial refund check from Monterey Financial for {$220.00}, but I am still owed an additional {$73.00}. XXXX XXXX XXXX, with whom I had been in contact regarding this matter, confirmed this discrepancy. According to XXXX XXXX XXXX representative XXXX XXXX, I am rightfully owed {$300.00}. 

It is deeply concerning and unacceptable that Monterey Financial is playing games with my money, evading communication, and failing to fulfill its financial obligations. As a consumer, I expect transparency, professionalism, and timely resolution from financial institutions. 

Therefore, I urge the Consumer Financial Protection Bureau to investigate this matter promptly and take appropriate action to ensure that Monterey Financial is obligated to provide the remaining {$73.00} owed to me without further delay or evasion. 

Thank you for your attention to this matter.
Consumer complaint received 2022-07-22
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. (OH)

My name listed as XXXX XXXX XXXX Correct name is XXXX XXXX XXXX This was corrected but then was put back on credit file due to a company account which isnt mine verified incorrectly name
Consumer complaint received 2019-07-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (WA)

XXXX contacted a collection agency, Convergent. I have never received a bill from XXXX. I sent a note back to Convergent letting them know this was not by bill. They re-contacted me on XX/XX/XXXX saying to call and contact XXXX. XXXX is requiring to present to them all the documentation but has only provided me with dates of XX/XX/XXXX-XX/XX/XXXX. They are requiring me to provide them lots of personal information to prove I am who I am. They have not offered anything to me.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-21
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. (OK)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OK XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2015-11-08
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IN)

My bank account was tied to my XXXX. My XXXX was hacked. We watched it as it happened, quickly contacted both XXXX and USAA. XXXX was able to place a stop and lock the account. USAA swore there was a stop payment in place. Two days later, {$610.00} clears our account from the fraudulent activity on XXXX. XXXX different USAA reps gave conflicting information. I was told we could have the money back in 3-5 business days. My husband was told several weeks. I was also guaranteed no checks were pending. Turns out my rent check was, I transferred funds to cover it after the fraud but USAA had already returned it, causing me more trouble. There was never a stop payment put on my account. Ever. This is ridiculous. And now I have to wait weeks to get that money back because they lied. Now I 've got to pay over {$100.00} extra to my landlord and look bad because USAA failed me. I was ASSURED that a stop payment was in place and not a dime would come out. Now I 'm left stranded and sinking because they lied, and are dragging their feet.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I keep being told over the phone that my account is locked and that they can not unlock it. A supervisor will call me back in 72hrs but no one ever does and its been going on for over 2 weeks.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

When I reviewed my credit report, I discovered that some of the information was erroneous.The Equifax credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverifiedinformation without providing any proof within the period allowed by law. The followingaccount need to investigate and correct for erroneous reporting in my file and are listed onmy credit report : US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, XXXX Balance {$1500.00} ; USDEPARTMENT OF EDU XXXX Opened XXXX XXXX, XXXX Balance {$1500.00}.
Consumer complaint received 2023-03-21
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. (OK)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-09
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. (MA)

On my first complaint to XXXX XXXX they provide a response stating that because the applications were fraudulently submitted that they would contact the credit bureau to have the inquiries removed. XXXX/XXXX XXXX date of inquiry is XX/XX/XXXX, XXXX date of inquiry is XX/XX/XXXX and XXXX date of inquiry XX/XX/XXXX are the three inquiries in question.
Consumer complaint received 2019-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)— (FL)

I have provided ny state higher education with proof that XXXX XXXX in XXXX NY went bankrupt. Hundred of former students of XXXX XXXX XXXX NY are eligible for part of a XXXX XXXX settlement regarding their student loan. The settlement was reached between a coalition of 13 attorney general, federal agencies and XXXX XXXX XXXX the firm handling loans for the former XXXX college which own XXXX XXXX. As part of the settlement anyone who borrowed and we're attending XXXX XXXX when it closed or defaulted will receive a discharge or 55 percent discharged. I fell under that. I contacted Borrowers defense they had me put in a application to apply for discharge until they make a decision on the application they put my loan which is in default status in forbearance status on XX/XX/2019. I'm trying to get them to change my status from delinquent to current status on my credit report since I'm in forbearance until Borrowers defense make a decision. I don't think I should be paying on a loan to a school that went bankrupt and made students promise of getting a good paying job. I couldn't even use there credit at other schools.