davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Experian keeps dragging out this identity theft problem that I have had. There information is incorrect they say they never have received files. Its been a circus over there. They have had the police report the affidavits and any other information in regards to the id theft that happened to myself over 4 years ago. There information is very inaccurate. Seeing how my social security number wasn't even mine. They argue with me on the phone calls and make it impossible to get the stuff corrected. They keep siding with the 2 vendors left on my CR XXXX  and XXXX  showing no evidence of why.

They have a affidavit and a police report and they refuse to update and change my cr.

My credit score is in the tank because of them and my next step is legal action. listed are the documents in which they have had since 2015. This needs to be fixed now.
Consumer complaint received 2022-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

I had made several large cash deposits at a citibank atm between the dates of XX/XX/XXXX and XX/XX/2022. Upon trying to use my debit card to make purchases on well known brands sites my card was constantly being declined. I attempted to contact citi and no one was able to help me get my card to make purchases. 


On XX/XX/XXXX there was an unauthorized transaction on my card for {$1000.00} upon reviewing my account i disputed that charge and several other charges that I did not recognize on my card during a phone call with a citi fraud specialist. The specialist told me my online banking would be frozen until my new card was activated. 

I receive my new card and activate it but my account was still not opened for online banking and my account was blocked for any debits what so ever. 

I called and they told me my account would be terminated and there wasnt anything they could do with {$2400.00} still in my available balance and I will be late with many payments and suffer many losses.
Consumer complaint received 2022-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Tate and Kirlin Assoc (MN)

The original creditor of this credit card debt was XXXX XXXX XXXX. The debt was charged off and sold to various debt collection agencies, most recently XXXX XXXX, who has outsourced the collection of this account to Tate & Kirlin Associates , Inc . I received a notice from Tate & Kirlin in XX/XX/2022 that stated the debt would be removed from my credit file by XXXX XXXX, their client, if I satisfied the debt in full for XXXX  I paid the XXXX} on XXXX XXXX and received the attached e-mail receipt of payment. I spoke to XXXX XXXX XXXX on XXXX XXXX, who advised me that it would take a couple days for my payment to post to my account with their office, but had I made a payment directly through him, the payment would have posted to my account immediately. XXXX XXXX indicated he would follow up with me in a few days to issue a paid in full/debt satisfaction letter. I never heard from XXXX XXXX. On XXXX XXXX, I e-mailed Tate & Kirlin for an update on receiving the debt satisfaction letter and asked when XXXX XXXX, their client, would be notified that the debt had been paid in full, and I received a reply from a XXXX XXXX XXXX, who simply sent me a debt satisfaction letter and a regulatory debt collection notice for consumers in certain states. I replied directly to XXXX XXXX to ask if XXXX XXXX  -- again, their client and the owner of this debt -- had been notified of my debt being paid in full so that XXXX XXXX could delete the account from my credit bureau reports. XXXX XXXX failed to respond to me. On XXXX XXXX, I e-mailed XXXX XXXX and the general e-mail box for Tate & Kirlin, again, asking whether or not their client and the owner of this debt, XXXX XXXX, has or would receive notice that I had paid the debt in full directly to Tate & Kirlin. As of this complaint, no one has responded to my e-mails. I am concerned that Tate & Kirlin are a fraudulent organization who has collected my XXXX  and fraudulently misrepresented their written notification that this debt would be removed from my credit bureau files once I satisfied the debt according to our written and verbal correspondence. I have attached all pertinent documentation, and I encourage all reading this to pull the phone conversation I had with XXXX XXXX on XX/XX/XXXX.
Consumer complaint received 2022-02-03
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: ALLY FINANCIAL INC. (PA)

My Social Security was ringing without my cas and I would like to report these XXXX XXXX increase thats on my account that I didnt know anything about, I reached out an your customer service will not help me take care of the negative inquiries reporting to my credit. 

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. Sensible XXXX XXXX XXXX. XXXX XXXX XXXX XXXX I would please like for these XXXX hard inquiries to be removed please.
Consumer complaint received 2022-02-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (TX)

CREDENCE RESOURCE MANA Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I have been trying to valid a fake/ wrong/ invalid debt from this company now for XXXX  months. I have asked them for verification and proof of this debt, that they legally own this debt and I have been asking to verify this debt for months. I understand that this needs to be removed within 30 days if there is no response for this scam and its still reflecting my report. Never not once have I received any information in writing that verifies this debt.
Consumer complaint received 2022-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (CA)

IQ DATA INTERNATIONAL is attempting to collect a debt for an apartment complex ( XXXX  ) I lived at 3 years ago. They claim I owe rent beyond the end of my lease due to lack of notice and for damages. The lease terms were completed and a joint move out inspection was requested. The management did not respond. I have documentation to support. 

IQ DATA INTERNATIONAL is reporting this debt to my account every 3-5 business days. My credit score was XXXX prior to this abusive behavior.
Consumer complaint received 2022-02-22
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: Nelnet, Inc. (TX)

I, XXXX XXXX of the XXXX family have been a victim of Identity theft. There are unauthorized fraudulent accounts by the Department of Education/ Nelnet on my credit profile that need to be removed immediately.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I have been back and forth with Experian asking them to remove accounts and address that are not mines. Im in the process of buying me a house and I noticed that a collection was placed on my account XXXX XXXX XXXX I spoke with XXXX XXXX XXXX the account number that was reported belonged to someone else. My first question is how did Experian not catch that now im out of {$1500.00} dollars for my relator finder fee so im requesting a settlement in the amount of {$1500.00}. Also my next problem is you have a commercial address listed on my report regardless of the numerous times i have called in and explained the issue you guys refuse to remove the address or account. First you stated the address and account is gone which i will attach and I look on my credit its still there. Im suing for that also another {$1000.00} for violating consumer rights. I told you guys the account XXXX XXXX doesn't belong to me and the information that they sent was not a validation of debt. It said XXXX XXXX XXXX not XXXX XXXX XXXX. So i look forward to hearing from you guys with a settlement agreement and a removal from my credit report .I urge you to take immediate action to correct the inaccuracies in my credit report and provide me with written confirmation of the same. Failure to do so will leave me with no alternative but to seek legal recourse.
Consumer complaint received 2022-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (TX)

I am a XXXX  and when I do a service for someone they pay me in the form of a check. I received a check for a service I did for a company. They paid me with a wells Fargo business account check. I also bank with Wells Fargo and I did a mobile deposit to cash this check into my Wells Fargo personal account. For tax purposes I am told to keep these checks for tax time, so I kept it like I was told to do. A month after I deposited this {$500.00} check into my account I get a letter from Wells Fargo stating the following : " The check you deposited via your mobile device, confirmation # XXXX for {$500.00}, was deposited twice. You made a deposit on XX/XX/2021 and the same check was deposited at XXXX XXXX XXXX on XX/XX/2021. We deducted {$500.00} from your account ending with XXXX. '' My issue with this is they took the {$500.00} out of my account and transferred it to the XXXX XXXX XXXX account that is not mine and have nothing to do with. XXXX XXXX  XXXX excepted a fraudulent check that was altered and had an unauthorized signature on it and then Wells Fargo took it from my account instead of the check holders account. This business check account number ends with XXXX. The check should of come out of this account not mine. Wells Fargo took {$500.00} that was not theirs to take and they are not refunding my money.
Consumer complaint received 2019-06-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants and Medical Credit Corporation, Inc. (MI)

Merchants & Medical bought an alleged debt from XXXX XXXX on or around I assume XX/XX/2019. Realistically they could have bought it prior to XX/XX/2019 and I assume they just parked the debt until I started applying for a mortgage because surprisingly after 8 months of not hearing a word from the original creditor ( XXXX XXXX ) this debt magically appears on my credit report without written notice that I could dispute the debt, which I would have had I received notice. I suppose they just did not really care about providing notice that I could dispute the debt as it is only for {$96.00}. Thanks to their slimy, unethical and questionable debt collection practices my score dropped nearly 100 points and I no longer qualify for my first mortgage. Had I received notice from them that I could dispute the debt I would have.
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/2021 I sent Transunion a letter about the ownership of the bankruptcy on my report requesting what method you used to retrieve such information. On XX/XX/2021 I sent a follow letter then on XX/XX/2021 I sent a rebuttal letter requesting it to be removed from my report.
Consumer complaint received 2018-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

PORTFOLIO RECOVERY A XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX has been reporting on my credit reports for several months. I have tried to dispute matter with them several times and have not had any luck. Not only is this company NOT LICENSED in the state of Michigan ( see attached ) but at the time they say the debt occurred I was a minor. They have been illegally reporting delinquent information to the credit bureaus, I am asking for all info to be deleted. i do not have a signed contract nor any contract with Portfolio Recovery A. I have never done business with this company and no validation has been received by the credit bureaus as proof of this.Again this company is not licensed to collect in the state of Michigan. I have researched this and provided proof to them as well as attached to this complaint.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NAVY FEDERAL CREDIT UNION (NH)

An account with Navy Federal Credit Union on my credit report for~XXXX USD was closed and the contract was cancelled I'm XXXX. Navy Federal has been asked several times since XXXX to remove the amount from my credit history because they are reporting it as charge off/bad debt. In XXXX Navy Federal updated the account to report the last payment made was in XXXX and now the fraudulent report allows the charge off account to appear recent and verified. Navy Federal has no integrity and it is apparent. I am requesting for the XXXX time for this old navy Fed account to be removed from my credit history due to its age, accuracy, and fraudulent nature.
Consumer complaint received 2022-02-22
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: Experian Information Solutions Inc. (MI)

The following inquiries were unknown to me. The furnishers were unauthorized to pull my credit reports. Thus, there must be an error with Experian 's investigation. I have already addressed this issue to Experian but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see all inquiries that should be removed : XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2018-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (NY)

I am a co-executor for a relative 's estate. The Estate has maintained, and continues to carry, substantial deposit balances with Peoples United Bank. On XX/XX/XXXX, I sent an email to the bankers who handle my account to transfer {$130000.00} from the Estate savings account to the Estate checking account to cover several tax payments, including a {$110000.00} tax payment that would be auto debited from the account by the IRS on or about XX/XX/XXXX. For some reason, the bankers decided to make the transfer on XX/XX/XXXX, four days after my instructions, and two days after the IRS attempted to debit the account for the payment due, which was rejected for insufficient funds. I have made repeated requests to my bankers for an explanation, and none has been forthcoming. The IRS has sent a letter seeking penalty fee and interest on the rejected payment, and I have forwarded that to Peoples stating it is the bank 's error and they need to correct it. Again no response. Curiously, they have tacitly admitted their error by crediting back the {$37.00} overdraft fee that was initially charged. The incompetence and arrogance is frankly breathtaking. I can only imagine how they treat smaller account holders.
Consumer complaint received 2022-12-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (GA)

On Wednesday, XX/XX/. I received a call from a man. His name may have been XXXX around XXXX XXXX. He introduced himself from CSC and said he was calling about an account I had with them. I politely said I do not have an account with you, and he said yes you do, I said Sir I am sorry I do not, he then said on a recorded line, Yes you do lady check your credit report! then he hung up. I immediately called back and he yelled at me saying if you don't have an account why are you calling back when I attempted to yell at him back he hung up on me. I then called back several times and he kept sending me to voicemail and putting me on hold. 

I happened to check my credit report and noticed that the above name

company checked my account stating I applied for credit with them as a Hard inquiry. This company violated my rights by fra
udulently checking my credit stating I applied for credit at a Collection agency. They also harassed me and used aggressive tone in communication. they failed to send me documentation to provide the opportunity to respond the debt.
Consumer complaint received 2022-02-22
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. (TX)

I, XXXX XXXX of the XXXX family have been a victim of Identity theft. There are unauthorized fraudulent accounts by the Department of EducationXXXX XXXX XXXX my credit profile that need to be removed immediately.
Consumer complaint received 2022-02-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

ON XX/XX/2021 MY LOAN WAS TRANSFERED TO XXXX AND THEY PAID RUSHMORE THE AMOUNT OF {$400000.00} BY A WIRE TRANSFER ON XX/XX/2021. XXXX REQUESTED IN SEVERAL OCCASIONS THE PAYOFF AMOUNT FROM RUSHMORE SINCE XX/XX/2021 ; THEY SUBMITTED THE PAYOFF AMOUNT TO THEM AND RUSHMORE NEW THAT OUR NEGOCIACION WITH XXXX WAS SCHEDULE TO BE COMPLETED BY THE FIRST WEEK OF XX/XX/2021. FOR OUR SURPRISE RUSHMORE TRANSFERED THE MORTGAGE TO XXXX XXXX XXXX XXXX KNOWNG THAT OUR NEGOCIATION WITH XXXX WAS FINILIZED. THAT IS WHY I SAID THAT THERE WAS NOT A GOOD FAITH TO TRANSFER THIS MORTGAGE TO XXXX. I PAID ALL INTEREST AT THE MOMENT THIS TRANSFER TOOK PLACE. 
THE AMOUNT ON MY SCROW ACCOUNT WAS {$4000.00} ( SEE PARAGRAPH 5 OF THEIR RESPONSE ) ALSO ON PARAGRAPH 2 OF THEIR RESPONSE THEY ARE STATIING THAT THE PROJECTED INTEREST AMOUNT WAS GOOD UP TO XX/XX/2021. IF THEY RECEIVED THE WIRE TRANSFER ON XX/XX/2021 THE PROJECTED INTEREST WAS OVERSTATED FOR 17 DAYS THAT I AM REQUESTING FOR THEM TO REFUND ME. THE TOTAL AMOUNT OF SCROW AND OVERSTATED INTEREST IS {$5700.00}. WE RECEIVED A CHECK FOR THE AMOUNT OF {$3800.00} ; THE REFUND DIFFERENCE IS {$1900.00}. 
THANK YOU FOR YOUR SUPPORT.
Consumer complaint received 2018-08-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation (PA)

I have been disputing this debt for over 7 months. I have repeatedly asked this company to provide proof of this alleged debt as well as the contract where they are allowed to add additional fees being that they are a collector and that is illegal under the FDCPA. I do not agree with this account and they have Never responded to any of my disputes even though i have sent them certified mail and have not provided verification even though they have been responding to the credit bureaus that the information is 100 % accurate.
Consumer complaint received 2018-06-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Meridian ARG Inc. (PA)

This fraudulent company ( XXXX XXXX XXXX  ) calls repeatedly, using an application to go directly to voicemail, and leaves a threatening message regarding an unspecified debt. When you attempt to call them, they refuse to answer any questions or remove the number from their calling list. They instead threaten you further and then hang up. They're just trying to scare people into giving them money with phony claims of debtors prisons. 

I kept calling back every time they'd hang up on me, they ironically threatened to report me for harassment. However, eventually they agreed to stop calling if I agreed to stop calling them. Give them a taste of their own medicine, and mention this bureau, they crumble like a dry cake.
Consumer complaint received 2018-06-29
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: Rent Recover, LLC (AR)

ON XX/XX/2018 RENT RECOVER OF BETTER XXXX PULLED MY CREDIT ON XXXX WITHOUT VALIDATION NOR NOTICE.IN XX/XX/XXXX WENT ON ALL CREDIT REPORTS. KEPT CALLING MY DADS CELL NO.XXXX AND CELL XXXX XXXX2 TIMES AFTER CEASE AND DESIST NOTICES.
Consumer complaint received 2022-02-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IL)

I received a collection notice from Midland Credit Management informing me of a debt in the amount of {$14000.00} for a XXXX account. I have disputed this charge as the provider and address for services was in Florida. I have never resided, or had services provided by anyone in the state of Florida. The result of disputing this charge I was informed that they believe the information is accurate. I was then advised to file a police report, which I have. XXXX County Sheriff 's Office Report XXXX XXXX. 
I continue to dispute the charge.
Consumer complaint received 2024-02-13
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. (IL)

I am a student and have been since XX/XX/XXXX. On my credit report XXXX XXXX my student loan servicer reported I missed payments XXXX, XXXX and XX/XX/XXXX. This is inaccurate as I am in school deferment. I call XXXX XXXX and Experian multiple times. I was assured the error would be resolved. However, an update to years old dispute was made to my report but not my existing dispute. The errors still remain on my report, managers from Experian don't call me back. 
At this point, my job is being affected as XXXX XXXX denied me a corporate card and I can't travel without it. My job is on the line and I'm in the process of taking additional legal action.
Consumer complaint received 2022-02-22
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. (MD)

As I reviewed my recent report, I have found an erroneous information reporting on my TransUnion Credit Report. The payment history is incorrect. I was never late on this account. I've already sent a request to TransUnion to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX XXXX Balance : {$200000.00}