davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC. (IL)

I received a debt collection phone call in XX/XX/XXXX which they were told that I didnt owe any money and the call was disconnected. I received a letter ( XX/XX/XXXX ) with interest added from IQ DATA International attempting to collect debt for an address that I never resided. In addition this company is not licensed in the State of IL to collect debt and is not in compliance with the law. They have placed a collection on my credit report and I would like it removed.
Consumer complaint received 2017-06-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hampton & Hampton Collections LLC (MA)

My  Homeowner Association for a  rental property in  XXXX   XXXX  changed  XXXX   XXXX . I had automatic payment for the  HOA f ee, but the automatic payment did not get set up with the new association resulting missed payment from  XXXX   XXXX  forward to present.     The association contacted a collections agency to collect the debt from me and sent a letter to me on  XXXX   XXXX ,  XXXX . I was not aware of this incident until this collection letter. The amount owed is {$400.00} and {$50.00} in late fees from the association for a total of {$450.00}. The collections company is asking for {$910.00}, when the amount I owe is {$450.00}.     This amount is grossly marked up. This is more than double than the original amount owed and is unfair and unreasonable.     From what I understand from t  he Fair Debt Collections Practice states they can not collect more than the amount owed.
Please help.
Consumer complaint received 2023-08-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (IN)

So on XXXX I texted a dude on XXXX  with the name XXXX XXXX and he was selling a XXXX for a good price so I texted him and asked how much and he told me and so I asked if he would take XXXX and he said yea and then I asked him where he lived and it wasnt to far from me about an hour and then this is where I shouldve stopped dont know why I didnt he asked me to make a deposit of about a XXXX $ so that I could have it in my name so no one else could take it. I told him Ill j take the risk and wait and thats a few days ago by and he texted me and said if you just give me {$150.00} for it XXXX you the XXXX the controllers and all the cords so XXXX like XXXX XXXX XXXX. So then I told him I would send him the XXXX when I go up to his house to meet him and he tells me to just XXXX  it to him now because he isnt going to be at his house and that XXXX just leave it on his porch. So Im like nah we have to meet up and then when I see it XXXX send you the money. So then a few days go by again and he text me aye if you send me {$120.00} to get a new key for my car and some gas that he could just drive it up to me. At this point its been forever and I just want the XXXX thing so XXXX XXXX XXXX  and sent him {$120.00} on XXXX XXXX  His XXXX  is @ XXXX. And so hes like awesome XXXX be leaving soon and so XXXX XXXX  and then a few hours go by and I ask where he is at and he text me back saying he is XXXX minutes out and thats when he hasnt texted me since and XXXX blocked me on XXXX and took down the listing. Please Im literally struggling so bad and yes I know it was very XXXX  to do.
Consumer complaint received 2023-03-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (TX)

Hi, I have an account with SYNCHRONY or SYNCHRONY BANK, High Yeild Savings account. I placed a request to do Wire Transfer money on XX/XX/XXXX Monday evening, but today XX/XX/XXXX close to XXXX CST, still Bank not started this wire transfer request. I called and talk to their multiple accounts managers and non of them have any clue what is going on. I don't know why they are not completing this wire transfer request or not even started yet.
Consumer complaint received 2019-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (VA)

I used XXXX to purchase concert tickets through PNC and it turns out it was a fraud. I contacted PNC and they told me there is nothing they can do about it. The transfer was still pending and they couldn't stop it. I sent {$170.00} and PNC just told me " oh well ''.
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. (TX)

I sent my letters off on XXXX XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 

According to the FRCA the term Investigate Consumer Reports.

Means a consumer report or portion thereof in which information on a consumers character general reputation personal characteristics or motive living is obtained personal interviews were neighbors friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such item of information.

They stated my accounts was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting a 100 % accurate and according to the FRCA 15 USC 1681 everything has to be a 100 % accuracy I have I've the credit report showing the inaccuracies. 

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
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. (TX)

I have been trying to dispute incorrect invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureau Equifax regarding this matter. I been trying to purchase a Home and it seems like i am not getting no where with Issues on my Credit report, 15 USC1681 section 604 A section 2 : It also states that consumer reporting agency can not furnish a account without my written instructions. Please correct these accounts XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I appreciate you making the effort to delete and repair some of the data on my credit report.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (GA)

I got scammed out of {$320.00} through cashapp they didn't do anything about it and cashapp double charged me from a Payment made back in XX/XX/2023 for {$170.00} almost 2 months later they charged me again for the {$170.00} again the first purchase was cleared but I end up getting XXXX to refund me because the order got delivered to the wrong address cashapp closed my account after filling a claim against them 4 months ago never heard from them or the attorneys the screenshot with multiple transactions is how I found out that cashapp took another {$170.00} I went from {$620.00} to {$490.00}
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX  ; Experian and XXXX  are reporting incorrectly a collection in the amount {$45000.00} on the US DEPT OF ED partial account number XXXX and a collection in the amount of {$38000.00} on the US DEPT OF ED partial account number XXXX. ( Please see page attached from my credit report. ) The balances reporting are absolutely incorrect. On account ending in XXXX the credit limit was {$13000.00} and now the past due balance is being reported at {$45000.00}. On account ending in XXXX the credit limit was {$10000.00} and now the past due balance is being reported at {$38000.00}. This false reporting of collections is seriously harming my credit score and these accounts need to be taken out of collection status and the account balances need to be reporting accurate information! Please update and/or remove these line items from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: DISCOVER BANK (SC)

I recently opened two new accounts with Discover Bank, a checking and a savings account. Ever since opening these accounts, I have been unable to deposit checks through mobile deposit. When I try to deposit a check it is always rejected immediately with only " due to security reasons '' as an error popup explanation. 

I have tried depositing checks from different people, with different banks, for different amounts, and the only thing that any of these checks have in common is that they are all personal checks. I have even written myself a check from an account with a different bank, and this check was also rejected without explanation. Notably, these are not high value/risk checks, with amounts from {$100.00} to a maximum of {$500.00}. The limits for mobile deposit per their own terms for mobile deposit are far in excess of these amounts. Also notable is that I have had a positive business relationship with Discover Bank 's credit card arm since 2018. 

I have contacted the bank through its chat support multiple times, their security department phone line, and spoke to customer support phone line to resolve this issue. The bank has taken the position that it can not solve the problem, can not identify the problem, and that the only solution is to mail in all checks for deposit to their address at my expense. It claims that it does allow checks to mobile deposited, just as their advertising claims, yet when employees are pressed as to why it never works for me they simply repeat that I am able to mail checks in for deposit. 

Despite repeated requests by me to escalate this issue, Discover Bank claims that it is unable to escalate the issue and my request that someone follow up with me to resolve the issue is denied. Customer support phone staff claim it is against federal regulations for them to follow up with me by phone, and that supervisors are not permitted to follow up by email. Per my last phone conversation with bank employees, they " can not guarantee '' that someone will contact me to take any action towards resolution. 

Mobile check deposit is a fundamental function of a basic checking and savings account and is heavily advertised in promotion of Discover Bank accounts. So far no action has been taken to provide this advertised service. In fact, there has been a direct refusal to work in good faith to even examine the problem. Instead, employees have seemingly been instructed to repeat " your check can be deposited by mail '' and to not escalate issues to people empowered to resolve them, claiming that there is no one empowered or capable for understanding why all checks are rejected for my accounts.
Consumer complaint received 2019-01-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (VA)

Commonwealth financial is the collection company.  Original creditor was XXXX XXXX XXXX XXXX XXXX.the original bill was dismissed says “No Charge left without treatment” That was 2 separate visits on XX/XX/2015. Amount was $XXXX each.both dismissed. But somehow collection company got this bills and debt went to credit report. I disputed but keeps pop up with different collectors. I called XXXX XXXX they said will delete both accounts with $XXXX.I paid this amount but they only delete one account. Account number is XXXX.
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  ; XXXX  and Transunion are reporting incorrectly a collection in the amount {$45000.00} on the US DEPT OF ED partial account number ****XXXX and a collection in the amount of {$38000.00} on the US DEPT OF ED partial account number ****XXXX. ( Please see page attached from my credit report. ) The balances reporting are absolutely incorrect. On account ending in ****XXXX the credit limit was {$13000.00} and now the past due balance is being reported at {$45000.00}. On account ending in ****XXXX the credit limit was {$10000.00} and now the past due balance is being reported at {$38000.00}. This false reporting of collections is seriously harming my credit score and these accounts need to be taken out of collection status and the account balances need to be reporting accurate information! Please update and/or remove these line items from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-08-02
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. (DE)

I have tried to dispute all of the fraudulent inquiries on my Equifax report and have been unsuccessful over five times. I even called and someone was going to fix it and never did. I am a victim of identity theft and all the other bureaus have protected me except Equifax! I am very frustrated, stressed and overwhelmed by all of this : the companies fraud inquiry that is showing up is : XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX
Consumer complaint received 2020-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2020 i deposited my tax return check of {$900.00}. I did not received anything the next day. So i contacted chase through XXXX  and was told that my check was on hold because it was being evaluated. I was also given number to contact chase about my check to ask to remove the hold. I called on XX/XX/2020 and was told i could not do anything about it nor they could remove it. I told them that i needed the hold to be removed so i could go elsewhere in person to cash my check and they did nothing to help me. I called numerous times and spoke to the head supervisor and she said i would have to wait until XX/XX/2020 for my funds to be deposited. Im now overdrawn on my chase account with overdraft fees. I have never had an issue trying to deposit my U.S Treasury Check!!! My money that i can't believe I'm having to beg for. I will close my account with Chase after everything has been resolved. It's unbelievable, never thought something like this could happen to someone who does things right on time.
Consumer complaint received 2020-02-15
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Newman, Hesse & Associates, P. A. (IL)

Newman, Hesse & Associates garnished my wages in XX/XX/XXXX while working at XXXX XXXX for {$2000.00}. Upon completion of payments I was sent a Release Of Garnishment, evidenced in the upload.

Today XX/XX/XXXX I received a letter of garnishment for the exact same case number that was paid in XX/XX/XXXX as evidenced via the upload.
Consumer complaint received 2023-03-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (TX)

Dear Dispute Department : I am writing to inform you of a possible error in my credit report and request that you provide me with verifiable proof or delete the record immediately as afforded to me by the Fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( a ). 

Account Name : RADIUS GLOBAL SOLUTIONSXXXX XXXX XXXX XXXX Description of Dispute : ( not my account, I have no recollection of that occurring, etc. ) This is reporting and a medical bill. The account does not belong to me. 

I am requesting that you remove this information from my credit report. 

Thank you for your help in this matter. 

Sincerely, XXXX
Consumer complaint received 2021-03-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. Ive also emailed multiple PayPal employees and executives about me plaining to file a report of not being able too cash out my funds that I sent to PayPal from my on account. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2019-01-04
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: EQUIFAX, INC. (GA)

There are several accounts reporting on my credit file that does not belong to me. The following account is reporting on my credit reports as a result of identity theft : Addresses : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX Fraud Accounts : XXXX XXXX - Opened XX/XX/XXXX ( XXXX  ) XXXX XXXX - Opened XX/XX/XXXX ( XXXX, Equifax, and XXXX ) XXXX XXXX - Opened XX/XX/XXXX ( XXXX  and Equifax ) XXXX XXXX - Opened XX/XX/XXXX ( XXXX ) XXXX XXXX - Opened XX/XX/XXXX ( XXXX  )
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX # XXXX is reporting a balance on my account that should not be there. I have paid this account in full and it needs to be deleted off of my credit report or fixed to show a XXXX  balance.
Consumer complaint received 2019-01-04
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. (NY)

I have tried to resolve this one late payment appearing on my credit with the company, it caused my score to fall more than 60 points. I have 3 accounts with XXXX XXXX and I was never pass 30 days late. The information says current paid as agreed however there is a late for XX/XX/XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Type : Credit Card - Revolving Terms Account Status : Open Monthly Payment : {$25.00} Date Opened : XX/XX/XXXX Balance : {$670.00} Terms : Revolving Limit : {$750.00} Past Due : {$0.00} Payment Status : Pays account as agreed Paid or paying as agreed r
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc. (PA)

I noticed a change in my credit score few weeks ago and when reviewing my payment history is not correct and an account that was showing closed and reporting properly is now showing up correct I filled a dispute with XXXX XXXX XXXX and it said that the info was showing correct. I had filed bankruptcy and was discharged XXXX XXXX  XXXX. this debt was part of that and has been reported properly since then. i then reported the issue to the company conns, due to the false reporting. first they responded saying the info coming from XXXX XXXX is not up to date, and that i need to use the credit report from the actual credit report not third party. so I got a 2 reports and and sure enough is showed changes made on XX/XX/2022 adding an amount to my balance, and on the other a balance being added XX/XX/2022 for both XXXX. I then send said screen shots of their respective info from my report and asked to be corrected and they still refuse to fixe it. this is now becoming slander and false reporting and they know that this account should be closed and they have that is was in the bankruptcy.
Consumer complaint received 2019-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NC)

I have my mortgage with Wells Fargo Bank. I believe that they are shifting me on my interest paid and principal applied towards my loan. According to the amortization table that they gave me for XX/XX/XXXX interest paid should be {$710.00} and principal should be {$360.00} but the bank charged me  interest of {$820.00} principal applied of {$250.00}. This has been going on for a while.