davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-08
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Reel Time Capital LLC (CO)

I ( XXXX XXXX ) received a XXXXspam ' call from phone number # XXXX. In a voicemail left on my phone, this individual identified herself as XXXX XXXX. I saved the voicemail due to its threatening nature. In the voicemail, she immediately said she was a Compliance Officer w/ the State of Colorado , formerly serving me by telephone voicemail. When leaving a call-back number and " case number '' information, she said it almost too quickly for me to be able to identify it. She left a " case number '' of XXXX. She left a call-back number of XXXX. This is for Reeltime Capital, which I did not find out until after I called XXXX XXXX to verify. XXXX XXXX acknowledge they sold the debt and that this individual violated FDCPA by threatening to take me to court for intentional fraud with no proof of that. In fact, I am able to prove that I lost my employment of 11 years in XX/XX/XXXX  and was unable to pay at that point. I did stay in communication and was current, up to that point. There was never any deception, on my behalf. This is completely unacceptable. She was extremely rude to me and tried to collect the debt personally, herself, when she's a process server, and not a collections agent. In addition to that, I do not believe it is legal, in the state of Colorado, to " formally serve someone over the phone ''.
Consumer complaint received 2022-04-13
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. (OH)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX ( XXXX ) Account # XXXX ( XXXX 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. 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 known or which should be known to be inconvenient to the Consumer. 15 U.S.C 1693 2 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with the intent to annoy, abuse or harass at the called number. 15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt. -any state territory possession of the United States , the district of Columbia , the Commonwealth of Puerto Rico or any political subdivision of any of the foregoing. 15 U.S.C 1692 b ( 5 ) not use any language or symbol on the envelope or in the contents of any communication affected by the mail or telegram that indicates that the debt collector is in a debt collection business or the communication relates to the collection of a debt. 15 U.S.C 1692 C ( A ) Without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt. 15 U.S.C 1692 d ( 2 ) the use of obscene or profane language or language the natural consequences of which is to abuse the hearer or reader.

Creditor updated account with Experian as Collections. Creditor advised they would send request to credit bureaus to have item removed from credit report but flagged account as Collection.
Consumer complaint received 2022-02-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

My employer Added me as a person on her XXXX page for her diner to be able to able to add posts and update the specials well then XXXX ads started taking money out of my bank account because once I was added as an authorized account manager my information from my XXXX also when on that page this started on XX/XX/XXXX the total amount that they tipped out of me was XXXX. XXXX that's from XX/XX/XXXX to XX/XX/XXXX. I called the bank I went and got a new debit card I took my information off of the XXXX XXXX citizen 's bank has taken {$800.00} in over draft charges because of this XXXX add thing being taken out numerous times. Dates are XX/XX/XXXX XXXX XXXX. 30.00 XXXX. 25.00 XX/XX/XXXX XXXX The overdraft charges came on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. 
For a total amount XXXX The 1st time I called they did reimburse me 4 of the {$37.00} fees from my account now they're saying that the fraud case was unfounded and they can not return any of my money meanwhile they just keep charging me all these fees because my account is negative I have not been able to touch my paycheck which is struck deposited every Friday in over a month. It's Citizens bank. What can I do?
Consumer complaint received 2018-12-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (TX)

Since XX/XX/2018, XXXX  has failed to post and credit my automatic payments and any other payments to my account even though they debit the money from my bank the every next day. Ive called several times to get this corrected but that hasnt happened. 

In late XX/XX/2018, I noticed that my payment was not credited after over a week and called XXXX. The employee told me my payment would be on hold for another 7 days and that he would not credit my payment sooner unless he called my bank with me on the line proved I actually made the payment. He asked me for my bank info and joined the calls. I became suspicious because after he yelled at me for hitting the button to bypass the prompts to speak with someone, and said I should have let him hear how much money I have. On this same call I asked him why he didnt answer when I asked him if he needed to verify anything else while on the call with my bank and he told me he didnt answer me because it was illegal for him to have done what he just did. 

Each time I called back the CSR has told me they want my bank info so they can call my bank and listen to prove the check actually was paid by my bank. I repeatedly told them I already know my payments clear the next day after theyre paid and that we both already have proof of it. I also asked why they were doing this and was told they dont know and that it might be a system glitch. 

The most recent CSR put me on hold for very long periods and while holding I read my credit card agreement. When she got back on the line I told her I see they are in breach because it states they are to credit payments the same day as long as its made by XXXX, or the next day, if its made after XXXX, then she asked me to hold again hung up on me. I called right back and they next CSR apologized and said she noted the inappropriate behavior of the prior agent and would help me, while she was talking someone hung up the phone again. Ive called back several times and each time someone disconnects the call. 

Ive attached a screenshot of the XX/XX/XXXX additional payment I made on top of my automatic payment and as of today, XX/XX/18, it still has not been credited to my account ( do not post this attachment publicly ). Thank you.
Consumer complaint received 2023-09-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AmeriHome Mortgage Company, LLC (IL)

My account was debited for {$2400.00} on XX/XX/2023 and an additional {$2400.00} on XX/XX/2023. These transactions were not authorized. I called the company and they told me they could not discuss with me anything about the transactions because I am not a client of theirs. I explained to them that they withdrew funds from my account without my authorization, and I need to speak to someone in upper management or a fraud department to retrieve these funds. They told me that they can not speak with me and they told me I should file a police report and fax it to them at XXXX on XXXX XXXX. I spoke with XXXX XXXX, and she was in the reference research department. I contacted my financial institution which is XXXXXXXX XXXX  and they launched an investigation and was unsuccessful in trying to even speak with someone in the company. There is no department or person that handles these issues of fraud. This company seems like a hoax, and I was even made to do a three-way call with my financial institution and Ameri home mortgage, which is the company who subtracted these funds from my bank account. I do not know what else to do. I also filed a police report and faxed it to that number above. I still have not received any communication or correspondence, nor have I received the refund my money. Please help me in this situation. 

I also document some information from XXXX when I spoke to another representative, here are a copy of the notes Ameri home XXXX XXXX XXXX Dept customer service Employees number XXXX Tuesday XXXX XXXX Call was XXXX This was my first call. 
Im just giving you all of the information that I have. 
My financial institution, XXXX also said that you can give them a call and they also have their own set of notes they can provide as well.XXXX
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 2017-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I was told I 'd be sent a credit balance refund for over XXXX XXXX dollars from XXXX. After letting them know I never received this, I received a call today alerting me that the check was cashed and because it was cashed there was nothing further they can do. XXXX was in possession of documents that I was a victim in identity theft cases and failed to properly handle this. Not only will they not reissue the check, they 're showing my balance positive for just under {$700.00} and marking me late on my credit bureau. 


I want the proper refund minus my current account balance and for my credit bureau to be properly adjusted and to never have to deal with barclays again. Their business tactics have been disgusting and appalling XXXX is taking what I deem to be illegal methods by completely ignoring that an active fraud case was pending while this took place. I sent bank statements in a timely manner to the office of the president and they ignored my query
Consumer complaint received 2017-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I was told I 'd be sent a credit balance refund for over 3 thousand dollars from XXXX. After letting them know I never received this, I received a call today alerting me that the check was cashed and because it was cashed there was nothing further they can do. XXXX was in possession of documents that I was a victim in identity theft cases and failed to properly handle this. Not only will they not reissue the check, they 're showing my balance positive for just under {$700.00} and marking me late on my credit bureau. 


I want the proper refund minus my current account balance and for my credit bureau to be properly adjusted and to never have to deal with XXXX again. Their business tactics have been disgusting and appalling XXXX is taking what I deem to be illegal methods by completely ignoring that an active fraud case was pending while this took place. I sent bank statements in a timely manner to the office of the president and they ignored my query
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus 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 unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : XXXX XXXX XXXX Balance : {$24000.00}
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 

XXXX XXXXXXXX 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 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (RI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account 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 unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX : {$2500.00}
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One continues to have ( 3 ) Fraudulent Inquiries on my XXXX XXXX XXXX. I have been experiencing Identity Theft. I have filed the correct paperwork to have these fraudulent inquiries removed. Capital One is in violation of FCRA policy as I have requested the complete file in each transaction mailed to me. I have yet to receive these files after several months of waiting. I should have received within 30 days of request. 

Fraudulent inquiries as follows : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2018-12-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: A.C.S. Companies, Inc. I (IL)

Acme has contacted me through mail and by phone about a XXXX dollar balance of some sort of bill. I have tried to reach out to the agency several times to verify what the bill is for, who the original creditor was, and as well repeatedly requested copies of the original bill to verify it belongs to me and for what causes. Acme representatives have been extremely rude and have even resulted to sending me letters making false accusations with ALL CAPITAL LETTERS which seems a very aggressive form of communication. When I ask who the original creditor is and for them to verify the account is or was mine previously I am directed to multiple agencies and circled back around. In more detail I am told by Acme I need to contact the previous collection agency for any billing questions and when I do that I am routed rightfully back to Acme because the previous agency is not the current or active agent for trying to collect some debt no one can verify or show physical proof of. The company has threatened to take legal and credit reporting actions against me without proper cause or resolving or addressing anything to do with the bill itself allegedly claiming this is a debt in which I have occurred I haves sent several letters to the company including certified request and still the company refuses to address the verification of the bill. I informed them If this was from a particular incident that I would be more than willing to provide them with the insurance I had at the time if there was somehow some billing error and the insurance company was not billed but the company has refused to take the opportunity to resolve as the many other attempts I have made. The company has also falsified the address to which they have mailed documentation to me. I feel they have purposely sent mail to the wrong address to falsely warrant evidence of them sending documentations to me. The only reason I received one particular letter is because a neighbor I knew hand delivered it to me. The company claimed in its last letter to me that I have ignored them yet I have copies of the certified letters I sent as well as the receipts as well.
Consumer complaint received 2017-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I was told I 'd be sent a credit balance refund for over 3 thousand dollars from XXXX. After letting them know I never received this, I received a call today alerting me that the check was cashed and because it was cashed there was nothing further they can do. XXXX was in possession of documents that I was a victim in identity theft cases and failed to properly handle this. Not only will they not reissue the check, they 're showing my balance positive for just under {$700.00} and marking me late on my credit bureau. 


I want the proper refund minus my current account balance and for my credit bureau to be properly adjusted and to never have to deal with XXXX again. Their business tactics have been disgusting and appalling XXXX is taking what I deem to be illegal methods by completely ignoring that an active fraud case was pending while this took place. I sent bank statements in a timely manner to the office of the president and they ignored my query
Consumer complaint received 2024-05-13
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CO)

I am both the sole heir and personal representative for both XXXX XXXX and XXXX XXXX. Combing through personal effects, XXXX XXXX XXXX account XXXX XXXX was uncovered. As of XX/XX/XXXX, it had a balance of {$73000.00}. I wrote on XX/XX/XXXX to inquire about this account. Then, I followed up on XX/XX/XXXX, and XX/XX/XXXX with no response. 

I need to find out the status of this account. Is it active? Was it escheated? Was it closed? I closed an account for my XXXX when I had power of attorney due to his XXXX XXXX. The account did not have anywhere near this amount in XXXX and I believe this XXXX account to be different from this XXXX XXXX account. That account - growing at 5 % annually - would be about $ XXXX now. 

So, I am trying to find out what the status is of the above account number.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct 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 2022-12-29
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. (TX)

in accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this account, 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 Balance Owed : {$180.00}.