davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (TX)

The Midland Credit Management continue to call my job after telling them to decease. 
The dates and times are ( XX/XX/XXXX, XXXX XXXX-XXXX,XXXX ), ( XX/XX/20 - XXXX-XXXX,XXXX  ), ( XX/XX/20-XXXX-XXXX, XXXX ), ( XX/XX/20-XXXX-XXXX, XXXX ), ( XX/XX/20, XXXX-XXXX, XXXX ), ( XX/XX/20, XXXX-XXXX, XXXX ), ( XX/XX/20, XXXX-XXXX, XXXX ), ( XX/XX/20, XXXX-XXXX, XXXX ), ( XX/XX/20, XXXX-XXXX, XXXX ), ( XX/XX/20, XXXX-XXXX, XXXX ), ( XX/XX/20, XXXX-XXXX, XXXX.Please cease
Consumer complaint received 2022-03-09
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters.
Consumer complaint received 2019-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

XX/XX/2019 : I called the fraud department regarding my account and I was transferred over and over until I got to a gentleman that was rude and not attempting to be helpful at all. 
XXXX XXXX : I went into the XXXX, Ga branch to withdraw money. They needed to call the back office and they could not find a check ( {$21000.00} ) so they would not release the funds. 

The check was deposited in a braoand put on hold for 14 days for verification. The funds are showing in my account. I have the receipt of the deposit. There is no reason I cant get my money because they lost the check.
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent XXXX XXXX XXXX XXXX a letter on XX/XX/2021, requesting my XXXX free Consumer Reports and Consumer Files and I have not received a response. 
After no reply back from XXXX XXXX XXXX XXXX, I proceeded with sending letters to all XXXX Credit Reporting Agencies on XX/XX/2021, requesting my Consumer reports and Consumer files. I have made several attempts, to obtain my CONSUMER REPORTS and CONSUMER FILES from XXXX, XXXX, and Transunion. Therefore, I am putting in a complaint on these companies. 
I have not received a reply back from neither of these companies and would appreciate if I could obtain what i am requesting.
Consumer complaint received 2023-06-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Butler and Associates, PA (KS)

A few days ago ( approx XX/XX/2023 ) I received a letter in the mail from XXXX XXXX XXXX, attempting to collect a debt of XXXX XXXX One letter was a wage garnishment, the other a bank garnishment. Couple days had past and I see they got the FULL payment of XXXX $ from my bank account. Another day goes by and I get my paystub and I see XXXX $ is taken out by them as well. So now I am down XXXX XXXX missed rent, And they will no longer respond to me.
Consumer complaint received 2019-04-18
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: EQUIFAX, INC. (CA)

This complaint is regarding Violation of verification and reporting of installment account XXXX XXXX XXXX XXXX account # XXXX   date opened XX/XX/XXXX, XXXX XXXX account # XXXX  date opened XX/XX/XXXX, XXXX account # XXXX  date opened XX/XX/XXXX, XXXX XXXX XXXX accoun t # XXXX date opened XX/XX/XXXX, Negative items ( installment, revolving ) on my credit report ( s ), where I personally contacted the creditors and they could not locate any accounts under my name. I was also informed by them that that they do not verify or provide information to the to 3 party credit reporting agencies. How is it possible Equifax is reporting negative account information account? Your assistance is greatly appreciated.

Out 3 CRA only Equifax is the one that is reporting these accounts on my consumer credit report, not my account/ never had account with XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX, XXXX XXXX XXXX , incorrect " XXXX '' data and violates FCRA provision 605,607,611 and 623a I have also submitted a complaint with Federal Trade Commission and forwarded this information to my attorney to file a lawsuit against Equifax for reporting wrong information and damaging my credit rating.
Consumer complaint received 2019-04-17
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation (FL)

On XX/XX/2019 Penn credit company called by employer stating that it was an emergency for me and to call them back as soon as possible. When further talking to my co workers they have called my place of employment several times I have never received a call on my personal phone concerning this debt and was unaware I owed this debt until my coworkers informed me of the calls
Consumer complaint received 2019-04-17
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. (IL)

I contacted the company originally XX/XX/2019 to request validation of an account ( specific original documents and information were requested ) to which they sent me a letter from their collecting department stating that the debt had been verified as accurate. Simultaneously I requested that all debt collection be ceased as well as calls to myself, or place of employment. On XX/XX/2019 I followed this letter up with another request for validation with specific information to which my request was ignored- again. Consequently I asked them to cease all collection activity, and reporting. A few days later I received a collection letter in the mail, blatantly disregarding the FCRA, and CFPB laws and sanctions.
Consumer complaint received 2019-04-17
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. (IL)

I contacted the company originally XX/XX/2019 to request validation of an account ( specific original documents and information were requested ) to which they sent me a letter from their collecting department stating that the debt had been verified as accurate. Simultaneously I requested that all debt collection be ceased as well as calls to myself, or place of employment. On XX/XX/2019 I followed this letter up with another request for validation with specific information to which my request was ignored- again. Consequently I asked them to cease all collection activity, and reporting. A few days later I received a collection letter in the mail, blatantly disregarding the FCRA, and CFPB laws and sanctions.
Consumer complaint received 2019-04-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I sent {$500.00} through XXXX and {$250.00} through XXXX XXXX for concert tickets on Saturday XX/XX/XXXX. I sent the money ; however, I never received the four tickets I purchased. I bank with Bank of America. Bank of America awarded a temporary {$250.00} credit to my account, but has not given any refund for the {$500.00} XXXX transfer. 
Bank of America has treated me horribly. Ive spent close to ten hours on the phone with B of A for this situation to have no resolution in getting my money back. 
Initially, when I explained I didnt receive my tickets to representatives, I was told Id get the money back once I reposted the claim. Then, I was told that I wouldnt get my money back because XXXX isnt protected. 
I asked and was transferred through multiple departments and supervisors to pull the call saying that I would have the money refunded to my account only to be told staff would be retrained, but theres nothing Bank of America can do. 
This is a disgrace and is absolutely unacceptable. 90 % of the Bank of America employees could not care less about my situation or helping me. I let them know that as my bank, they should protect me against scams and in these situations and they would say theres nothing they can do. I paid money and didnt receive my merchandise. Instead of helping me, Bank of America and XXXX are refusing to help me and are letting scammers profit and continue getting away with their illegal activity. 
XXXX XXXX  is the scammers bank, and they also offered zero help and refused to cancel the payment. 
A police report has been filed, but the money is only able to come back from the bank or XXXX.
Consumer complaint received 2023-06-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

My Venmo account has been hacked. I called the company where they confirmed that was the case. I provided all the credentials needed and asked that the transaction, which is a rent payment from XXXX XXXX needs to be reversed back to his account. I was told the communication to complete this needs to be done via email. I have been back and forth with them since the beginning of XXXX and they have not returned the funds. Today I was on the phone twice and they dropped the call on me. Basically the funds are just frozen in the account and Im not getting any help.
Consumer complaint received 2023-06-29
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: SUNRISE CREDIT SERVICES, INC (AL)

I received notice of an account with XXXX mobile in XX/XX/2022 in the amount of {$1700.00} and it appeared to be open in the XXXX  of XXXX This was first statement and it was months past due. I have 1 XXXX account with XXXX and home internet and a second account for a second residence. Both of these accounts are current and I pay every month and don't need a second account for mobile services because all my phones are on my current account. I reported it as fraud and identify theft with FTC and with XXXX and then put a fraud alert on credit bureau. I have provided XXXX fraud affidavit, ID showing myself, and the filing with FTC. They continue to deny it is fraud and keep reactivating it on my Credit Bureau. Their system is so convoluted that they only allow for you to submit the information through a portal and you are not allowed to talk to anyone.
Consumer complaint received 2022-01-08
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. (TN)

I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of theFederal Trade Commissions Identity Theft Affidavit. Please delete the items immediately.
Consumer complaint received 2021-02-18
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: EQUIFAX, INC. (FL)

I found inquiries in my credit report, and I do not know what to do. My report showing some wrong data like wrong inquires, fraud inquiries! I am very sad because when company that I want to organize loan with, saw my report they declined because of these inquires but I tried my best to explain them that I do not know these inquires I have never authorized them, however its too late already so my question is for you - Could you please remove information that is not mine? Its damaging my life ... as a result I am not approved! I have never signed with those companies and I never authorized those items. Its identity theft! Please remove these items from my credit report asap
Consumer complaint received 2019-04-17
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: ENCORE CAPITAL GROUP INC. (IL)

I contacted the company originally XX/XX/2019 to request validation of an account ( specific original documents and information were requested ) to which they sent me a letter from their collecting department stating that the debt had been verified as accurate. Simultaneously I requested that all debt collection be ceased as well as calls to myself, or place of employment. On XX/XX/2019 I followed this letter up with another request for validation with specific information to which my request was ignored- again. Consequently I asked them to cease all collection activity, and reporting. A few days later I received a collection letter in the mail, blatantly disregarding the FCRA, and CFPB laws and sanctions.
Consumer complaint received 2023-10-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CRESCO CAPITAL INC. (NE)

I bought a semi truck through XXXX XXXX XXXX XXXX, also afflicted with Cresco Capital , Inc.

My hiring process with this vehicle took longer than expected. I was already 4 weeks waiting before actually leasing on with my company 's authority ( DOT ). I will leave their name out of it for any confusion. 

My first trip I needed repair, and my first payment was due in XXXX weeks. I knew I would not be paid enough on time but I covered my first payment which was 45 days after pickup. 

I called in, they stated using the extra payment form is not specified towards the monthly portion, however, calling in she could partition the funds to do so. 

Coming XX/XX/XXXX they still tried to charge me the first payment amount. They were able to reverse it after I followed up asking them if everything was alright and why this happened. 

Simultaneously, I'd spoken to customer service to switch my payment account to my new business checking. However, upon opening I had to buy checks and have not been home to pickup them up. Due to the nature of my work I am not able to. 

After mentioning wanting to switch accounts a woman named XXXX, without posting her last name, has emailed me XXXX times to date and I'd already received XXXX emails before this one. After the XX/XX/XXXX payment she followed up mentioning the missed payment. 

I'd already told her XXXX to XXXX times that I have not been home yet and will be in touch when I am able to do so but she continues to harass me on a weekly basis. I am on my way home at this time, and should be able to update. 

Here is her email mentioning the missed payment.

" Good morning, I am following up with you regarding the ACH information we spoke about last week. I am needing this information as it looks like we have just had a payment return from the account we have on file. Please get this back to me as soon as possible. If you have any questions, please feel free to reach back out to me. '' Other fine points would be this XXXX XXXX company promising a XXXX year warranty on engine and aftertreatment from XXXX. I have a XXXX XXXX XXXX  with an XXXX engine. When my fuel pump went out it wasn't covered under warranty and the dealer said no warranty even appeared in the system under that VIN number. 

I was at the XXXX XXXX, OR dealership. 
My VIN is XXXX. 

Thank you, XXXX XXXX
Consumer complaint received 2023-01-04
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. (CA)

In accordance with the fair credit reporting act. XXXX XXXX XXXX XXXX has violated my federally protected right to privacy and confidentiality under 15 USC 1681 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. States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

THIS IS NOT A DISPUTE. I am a victim of identity theft and have tried extensively to rectify this issue with Equifax. Equifax has instructed me to submit a police report and FTC report and per section 605B of the Fair Reporting Act, the fraudulent items are to be blocked and deleted immediately. Equifax however, puts these accounts into dispute and never provide an updated report with the account deleted. They in turn keep the fraudulent accounts on my report and show no proof of verification and/or validation. I am attaching the police report, FTC report and proof of identity through this channel again in order for the fraudulent accounts to be deleted. I am also filing a report with the XXXX  and copying the CEO on all correspondence.
Consumer complaint received 2019-04-17
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Zenith Financial Network Inc (CA)

ZFN and Associates keep calling several times a day to the house phone and my cell phone. They called from different phone numbers. List of phone numbers they used, XXXX XXXX and XXXX. Informed ZFN and Associates to communicate with me in writing and to stop calling. That was 2 to 3 week ago and as of today XX/XX/2019, they keep calling.
Consumer complaint received 2019-04-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: EVERBANK, NATIONAL ASSOCIATION (NY)

Sent XXXX payment from my XXXX XXXX to tiaa bank- Filed report to tiaa bank that they never gave me my funds they said they didnt receive it from XXXX XXXX  so I filed report to XXXX XXXX and heres proof from XXXX that tiaa bank accepted it from their department. I want my money back XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX RE : Checking Account Ending In XXXX Dear Mr. XXXX : I am writing to respond to the complaint our office received from the Consumer Financial Protection Bureau ( CFPB ). I understand you expressed concern with a transaction from XXXX which was deducted from your checking account ending in XXXX on XX/XX/2019, in the amount of {$1000.00}. My attempt to contact you at your telephone number on file, XXXX, was unsuccessful. As such, I felt it best to communicate in writing. The Bank apologizes for any inconvenience you may have experienced as a result of not having access to your funds through TIAA Bank. Records confirm on XX/XX/2019, you initiated a XXXX transfer through your TIAA Bank account. Specifically you requested {$1000.00} to be deducted from your XXXX XXXX account ending in XXXX to be credited to your TIAA Bank the following day. Bank records confirm on XX/XX/2019, these funds were successfully transferred to your TIAA Bank account as requested. If the funds were never credited to your TIAA Bank account, we request you reach out to them as the XXXX transfer was initiated through TIAA OLB Money Request.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX  XXXX Balance {$800.00} XXXX XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX Balance {$770.00} XXXX XXXX XXXXXXXX Balance {$590.00} According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-06-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: UMPQUA HOLDINGS CORPORATION (CA)

I have been attempting to get a payoff quote for a HELOC for over a month from Umpqua. This is to complete my refinance. They are holding me hostage in my mortgage and preventing me from accessing my liquidity by holding up the refinance process. 

Each agent I speak to on the phone says they will emails it in 1-2 days. They never send it. They have all the correct contact info, I have no issues getting bills and statements from them. 

To make matters worse, I have never even used this HELOC. They will charge me {$500.00} in early termination fees that they do not disclose on their site and did not disclose during opening. I dont even want to fight them on that. I just want to close the loan and move on.
Consumer complaint received 2019-04-17
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: Bread Financial Holdings, Inc. (IL)

I had a inquiry that showed up on my credit report, I found out via a alert from XXXX. 

I have not applied for any cards with XXXX XXXX and I contacted them the day I found out and they said they would remove. This was over 30 days ago so I need to take other action. This inquiry is adversely effecting me and trying to get a car loan.