davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been a victim in the XXXX data breach a few years ago and also my information was compromised again in the recent XXXX  data breach. Fraudulent activity was not observed until I noticed that my email was hacked, personal information, employer, social security number, old passwords frequently used and address that I have reside at for years had also been compromised. I am currently in process of a data breach settlement from XXXX. I have also initiated a credit monitoring service through the credit bureaus and also obtain a security alert. A fraud application was also done a few months ago and a credit card that had fraudulent charges, interest charges and late fees was also reported to the lender ( XXXX XXXX ). XXXX has acknowledged all disputes from the the lender stated below and have deleted the account from XXXX XXXX, from my credit report permanently. To verify, XXXX can be contacted. See attached documents below. This matter is serious and is damaging my credit and is also inaccurate/ fraud. Someone used my information and banking information to access my information. Creating a duplicate card in order to make unauthorized charges.
Consumer complaint received 2019-01-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (AZ)

OnXX/XX/2019, I paid a Chase Bank money order # XXXXfor a deposit for an apartment # XXXX at XXXX XXXX/XXXX XXXX, XXXX. 
for {$100.00} for a deposit for # XXXX apartment towards move in rent. On XX/XX/2019 -- 3 days later, FTC and AZ Consumer Protection Laws -- 3 days are within cooling off period-right of recession ) I called XXXX XXXX to cancel and drive by and pick up my {$100.00}. I told XXXX XXXX, XXXX, and told her this is consumer fraud and a violation of the FTC and AZ State Consumer Protection laws for the cooling off period. XXXX XXXX, XXXX, said to call XXXX XXXX XXXX @ XXXX, left a message with the Supervisor, XXXX. Haven't heard back. I then went 0n XX/XX/2019, Chase Bank Branch in XXXX on XXXX to place a stop on my {$100.00} money order. XXXX banker told me he saw that the transaction for money order # XXXX on his computer and it was in process and he couldn't stop it. I said that means it hasn't been paid. He said right. I demanded Chase banker to stop the payment now!! On Chase money order that I paid {$5.00} for out of my checking account on XX/XX/2019I told him to place a stop now!! Get me the supervisor! Chase banker chose not to place a stop and indicated on the money order " terms and conditions '' that says '' Placing a Stop Payment on a Money Order-Sender, that is ME, can place a stop and have the item reissued back to me the sender.Chase went against my authorization ( robbing me ) to pay XXXX XXXX. Consumer fraud. On my money order, on memo, I wrote " DEPOSIT # XXXX towards move in rent '' I did not move in and called on the 3rd day-right of recession-FTC cooling off period. I want {$100.00} of my money back NOW from CHASE BANK! My money was to go for rent as stated on " memo '' Deposit {$500.00} towards move in rent. Chase needs to reverse {$100.00} and charge back XXXX XXXX dba XXXX XXXX back into my checking account. That is my money and CHASE BANK can do reversals. Consumer fraud by CHASE BANK AGAINST ME.I paid for something I didn't get by Chase Bank. Reverse the charge now. Consumer fraud by Chase Bank.
Consumer complaint received 2022-08-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (VA)

We made an {$11000.00} payment towards principal to reduce the loan balance to {$380000.00} which is 75 % of the assessed value of {$510000.00}. SLS keeps moving the needle. Originally they repeatedly told us we just needed to meet 80 % of the assessed value, even though they knew we bought the house less than 5 years ago. Now everything has now been met to remove the PMI. I have attached and enclosed proof of the principal payment that we made today.
Consumer complaint received 2019-04-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (OK)

According to the Federal Credit Reporting Act creditors are to notify consumers of any debts owed and are to be given 30 days to dispute the validity of the said debt. I was not granted the notice of dispute which is in direct violation of the Federal Credit Reporting Act. I would like a validation of the address they have on file.
Consumer complaint received 2019-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

After repeated times calling into XXXX to Permanently Remove my Credit Freeze I need the CFPB 's support and resources in removing the " freeze '' on my report. After the third call with " XXXX '' in the XXXX they still will not remove the credit freeze ; my daughter needs braces and we need credit.
Consumer complaint received 2019-04-04
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Fein, Such, Kahn & Shepard, P.C. (NJ)

I paid a debt with XXXX XXXX in XXXX. On XX/XX/XXXX I received a Notice of Application For Wage Execution on a debt that has been paid. I sent the documents to XXXX XXXX and their attorney, Fein, Such, Khan, & Shepard and they refuse to review the documents and release the money they have illegally taken from me.
Consumer complaint received 2019-04-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Security Credit Services, LLC (FL)

This debt is for a table that I purchased. When I received the item, the table was missing the legs. Multiple times, I attempted to return it, the company said they would pick it up but never did. Flash forward some time later, the payments were past due because they didnt retrieve the item and it wasnt what I ordered ( this was online and not from a store ) so they started calling me threatening that they will damage my credit and or take legal action against me. I again offered that they pick the item up as they had agreed to sometime before and they still never did.
Consumer complaint received 2019-02-11
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: Experian Information Solutions Inc. (NV)

The following accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX   XXXX, XXXX XXXX XXXX XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (NJ)

There has been a negative charge off account on my credit report from Discover Personal Loans. They have not been able to verify this debt pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. They received certified letters from me on XX/XX/XXXX and XX/XX/XXXX. They claim I owe {$2600.00} yet this amount has not been verified and has even changed according to XXXX and XXXX credit report. Last year in XX/XX/XXXX it was reported as owing XXXX, which is another instance of fraudulent and negative reporting and such must be removed from my reports. 
I also sent certified letters to XXXX XXXX XXXX who responded after the 30 day mark from when they signed for them. 
I uploaded photos of the signatures from the certified letters I sent to both XXXX  and Discover as well the differing amounts they claim I owe from my XXXX Credit Report.
Consumer complaint received 2019-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Citizens Bank checking account overdrafts and fees 1 ) instructions by me not to pay any overdrawn amount repeatedly ignored 2 ) overdraft policy poorly defined 1 month only overdraft paid is scheduled payments not debit purchases after funds not there only to have it change and debit purchases allowed but scheduled payments returned only 5 days after they post to account ie I made two credit card payments within 30 seconds of each other because I have two cards with one company. Almost a week after they posted to my account one of the payments was reversed meaning my account was charged overdraft fee when it posted and return fee when it was arbitrarily sent back. A week later a scheduled payment was paid posted to my account then a week later returned. Overdrafts are allowed to accumulate and then at an arbitrary time card is constantly declined. Over a year ago I repeatedly requested no overdrafts because every manager I talked to defined it differently how and what debits are allowed as overdrafts. This refusal to follow my instructions has resulted in high overdraft fees every month resulting in THosands of dollars paid in fees over the life of my account.

3 ) Six months ago I deposited check from company. Bank sent letter saying extended hold placed on it. Bank sent letter within 3 days of deposit saying would not honor check. My bank app showed that the check amount not credited to my account but their register showed it being deposited delaying fund depletion but when sent back I incurred fees and overdrafts These policies make it too difficult to manage account to prevent overdrafts but the bank does not seem to allow me to request no overdrafts. I am XXXX in constant pain and the mental process of managing condition causes lapses in my ability to manage funds using online tools that is why for over a year I have requested no overdrafts to be allowed. The arbitrary overdraft policy assures bank of monthly overdraft fees and a {$30.00} a week extended overdraft fee costing me thousands of dollars in overdraft fees. Over the years my complaints have resulted in some fee reversal but it is nothing compared to money I have lost.
Consumer complaint received 2023-07-03
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. (TX)

Experian is reporting a Bankruptcy dated XX/XX/2017 this bankruptcy has nothing to do with me and should not be on my credit report with experian. 
Experian verifies Bankruptcies thru XXXX. However my XXXX report shows no bankuptcies.
Consumer complaint received 2022-05-03
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CONTRACT RESOLVE GROUP LLC (NC)

Im XX/XX/22 I was contacted by XXXX XXXX of Contract Resolve Group, LLC. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX Ph : XXXX ext. XXXX Fax : XXXX XXXX saying that he was representing XXXX in resolving a payment he thought I I owed. Ive asked him numerous of times not to call my workplace. Not only did he keep calling harassing me but he manage to reach out to my family members. He has threatened me, my staff and my family members.
Consumer complaint received 2017-01-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CONTRACT CALLERS INC (NC)

In XXXX XXXX, I discontinued my service/account with XXXX XXXX XXXX in XXXX XXXX, MO. At that time, I moved into a temporary apartment and had all of my mail forwarded. Upon reviewing my credit report in XXXX XXXX, I noticed that XXXX XXXX had entered a collection notice for {$270.00}. 

I contacted them immediately and they refuse to tell me what the balance was in XXXX XXXX when I disconnected, and they have failed to tell me what the " late fees '' associated with my account. They also can not explain why I rec 'd no phone calls, final billing notice or anything from them for over 6 years, and why all of the sudden they feel obligated to tell me I owe them X amount of $ $ . 

I 'm frustrated that a utility company can basically hold onto my personal information for almost 7 years and suddenly tell me that I owe them almost {$300.00}, and what 's even more frustrating is that I have no proof of what was owed, how much they 've charged me over the years etc ... The only response I have rec 'd from them was an email from saying they do n't contact customers via phone.
Consumer complaint received 2023-10-23
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Makower Abbate Guerra Wegner Vollmer PLLC (MI)

I live in XXXX on XXXX XXXX XXXX XXXX Mi. My condo is XXXX ' from maintanace garage specifically my office window. A XXXX women honked for XXXX min needing help. Her question about a hospice delivery and didn't want violation. She HONKED XXXX min outside my window & maintenance not coming out. I went she had a walker, i said i would help her and get maintanace. I in went XXXX garage to get maintenance man I have on video all nice I am fined {$1000.00} for interfering and recording maintanace complained?? because lawyer wont tell me UNFAIR H O A COLLECTION PRACTICES ON FINES AND VIOLATIONS I HAVE XXXX UNFAIR VIOLATIONS THIS MONTH TOTALING {$2000.00} ALL WRONG AND I HAVE WITNESS AND VIDEO
Consumer complaint received 2022-08-18
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. (NC)

I noticed unauthorized inquiry on my reports or noticed someone applied for something in my name. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items must be removed. ( XXXX XXXX XXXX ) for the dates XX/XX/2022 XX/XX/2022 XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-04
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

I've contacted the company several times in writing to remove any negative data on the account dating back to 24 months being that all accounts are now satisfied and current. 
There is still no response and no change to the status and credit report is still reporting negative activity.
Consumer complaint received 2019-04-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (FL)

Hello, On XX/XX/19, I received a notice from my credit report tracking system that Enhanced Recovery Company ( ERC ), posted a {$140.00} collection/chargeoff. I was never notified of any collection activity by this company. They never notify me of this mystery debtor that they would allow me to dispute the debt, before placing any wrongful debt on my credit report.

Company Information : Enhanced Recovery Company ( ERC ) XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) -XXXX
Consumer complaint received 2019-04-04
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MD)

XX/XX/XXXX : Opened a Citibank account after receiving a mailer that said I would receive a {$400.00} cash bonus after depositing {$15000.00} into either my new Checking OR Savings account and as long as in good standing for 90 days ( XX/XX/XXXX ). 

XX/XX/XXXX : Deposited {$5000.00} into my new Citi Checking account XX/XX/XXXX : Deposited {$10000.00} into my new Citi Checking account XXXX : Account balance in Citi Checking : {$15000.00} At some point between XX/XX/XXXX and XX/XX/XXXX, I contacted Citi to see when the bonus would go through, they said after the initial 90 days, that the money would take another 60 days to be deposited so by XX/XX/XXXX. 

On XX/XX/XXXX after seeing that the bonus was not deposited, I contacted Citi who said they would look into immediately and make sure my bonus was processed. 

On XX/XX/XXXX : I received a letter saying that my account was ineligible for the bonus since my savings account was closed on XX/XX/XXXX. I never personally closed this account, so am assuming Citi closed it after zero activity. However my Checking is still active and in the initial bonus email it said only one account had to be active and have the {$15000.00} balance in it. 

I wrote them back and received another letter on XX/XX/XXXX saying that my account was ineligible since my Checking account was closed XX/XX/XXXX. They have the account number wrong, as well as my checking is still active as of today 's date : XX/XX/XXXX. Again, either way this is incorrect as my checking is still active and I only needed one active bank account as per their initial mailer and bonus email. 

They falsely advertised their promotion and my account is 100 % eligible for the {$400.00} bonus and I am now almost 30 days overdue for it. 

I am attaching : -Initial Bonus Email I received on XX/XX/XXXX after opening my account -Letter 1 I received on XX/XX/XXXX -Letter 2 I received on XX/XX/XXXX -A screenshot of my active Checking account with balance I appreciate your help in advance, thank you.
Consumer complaint received 2022-08-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (FL)

On XX/XX/2022 I pulled my consumer report to find ProCollect Inc is reporting inaccurate information on my consumer report on XX/XX/2022 I sent a letter ( USPS Tracking # XXXX ) requesting to validate the alleged debt. On XX/XX/2022 ProCollect Inc responded with a letter dated XX/XX/2022 alleging that the debt was valid without the requested documents to validate the alleged debt.
Consumer complaint received 2022-08-18
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: Experian Information Solutions Inc. (TX)

I will be filing a civil lawsuit for violations of my federally constituted rights under 15 USC 1681 I will be seeking {$1000.00} dollars per violation. As noted there are at least 4 violations committed by Experian Credit Bureau, and XXXX Credit bureau It is my request to the delete the accounts or pay me {$1000.00} dollars per violation ) 15 USC 1681section 602 ( A ), 15 USC 1681 section 604 ( A ) 2, 15 USC 1681c ( a ) ( 5 ) 15 usc 1681s-2 ( A ) ( 1 ) in accordance with The Fair Credit Reporting Act. CFPD Submitted in complaint # XXXX, XXXX
Consumer complaint received 2019-09-18
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. (ME)

There is information reporting on my credit file that does not belong to me : XXXX XXXX opened XX/XX/XXXX ( Please remove from my credit file ) XXXX XXXX is inaccurately reporting that i was late in XX/XX/XXXX. Please remove these inaccurate lates on my credit file. 

Please remove incorrect address information : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX, and XXXX XXXX Please remove unauthorized inquiries. I did not authorize these inquiries. 

XXXX XXXX XXXX XXXX  XXXX 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 2019-09-18
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. (IN)

XXXX ; XXXX and Transunion are incorrectly reporting a collection in the amount of {$9100.00} on the XXXX/LOAN partial account number ****XXXX. ( Please see page attached from my credit report. ) This student loan account does not belong to me. There are two separate applicants named on this form, along with their signatures. ( Please see document attached. ) I am named only as a Student, not as an applicant. I did not receive any sums of money from this loan. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-02-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (WA)

Hello Im XXXX, i am XXXX years old. I am a hard working person, a very good person, I am very kind hearted, easy target for scams. I didnt realize I was involved in one.

One guy was willing to pay me for a beat I make, but I didnt know he would put more than the amount he was suppose to give me. It was around 4,100 $ I deposited. What I realize that he wrote a big check so that he can cash it in the next day, and I would owe the money i would take out for him, please help me, Wells Fargo Said they would close my bank account. But Im innocent. I didnt know until a week Ago I think, thats why I stopped touching the money when I realized because I wasnt sure. Please understand. Wells Fargo is not cooperating with me. I cant Even email them. I cant let them close My account, and If nothing is done i Wont be able To Open another bank account .i am a good person, My credit score is good, I need this, Im trying to move out and this will Affect my life. I think this happen to because I lots of overdrafts but sometimes you just got ta give people a chance. I am young and this world is cruel, it could of been worse, if it wasnt for the check held I would of lost thousands of dollars, thanks Wells Fargo For saving me, but they have to give me a Chance
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

XXXX accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2019-04-04
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. (IL)

In XX/XX/2019 I discovered several fraudulent accounts on my credit report. I notified my local authorities who provided a police report. I showed all the evidence to the police. I also sent an Idenity theft affidavit to the companies and all 3 credit bureaus. Experian sent me a letter dated XX/XX/19 report # XXXX where they claim they have verified the fraudulent information. I spoke with each company who stated they have removed the fraudulent accounts from each credit bureau. The accounts have been removed from all of the bureaus except for Experian. 
1 ) XXXX XXXX XXXX # XXXX {$920.00} 2 ) XXXX/XXXX XXXX # XXXX {$1700.00} 3 ) XXXX XXXX # XXXX Unknown amount