davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (GA)

Dates XX/XX/2020 & XX/XX/2020 {$1400.00} each account. 

All I received was a notice of the amount. The XXXX never sent a bill itemizing the amount left to pay. I emailed the XXXX the packet for financial assistance and the XXXX never returned my phone call or emailed me back to even say they received it. I have a XXXX XXXX and due to the nature of my job I was unable to work for weeks.
Consumer complaint received 2022-09-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: NCP Holdings, L.P. (OH)

I initiated a refinance on a loan XX/XX/XXXX. I was approved for {$2600.00} to pay off {$1000.00} balance and to obtain {$1500.00} in my account the following day. On XX/XX/XXXX, the funds were not in my account. I contacted QuickCredit and the representative informed me that I selected the option to receive funds by mail. I informed the representative of my emergent situation and asked if I could change the method of payment to direct deposit. The representative could not change due to the " binding contract ''. However, I was ensured that the funds were mailed on XX/XX/XXXX and that it would take 7 - 10 days to receive. By XX/XX/XXXX, I still hadn't received the check/money order. I call QuickCredit again and explained my situation from the beginning ( as mentioned above ). The representative stated she was going to investigate and track the check/money order and email me back no later than 4 hours. After 4 hours, I did not receive an email but did receive a call regarding a missed payment. When I returned the call, I again explained to the representative my issue and that I will not be making a payment since I have not received the funds. The representative at this point claimed she could see the notes regarding the investigation/tracking of the money order and that it would take 48 hours for a resolution. A few hours later, I received an email from the representative I spoke with earlier that day on XX/XX/XXXX. The email indicated the money order was actually mailed out on XX/XX/XXXX not XX/XX/XXXX. No other explanation provided. In disbelieve and frustration, I called the company again after receiving the email and demanded that I receive the funds via direct deposit. The representative stated that could not be since the check has already been mailed and to allow 7 - 10 days to receive the funds. On XX/XX/XXXX, I called QuickCredit to inform them I have yet to receive the funds in the mail. The representative placed me on hold to investigate and stated the money order was mailed out on XX/XX/XXXX not XX/XX/XXXX and to allow 7 - 10 business days. At this point, I may be getting the runaround and need assistance. The company has marked me with two late payment. So instead of owing XXXX I owe XXXX for funds I haven't received.
Consumer complaint received 2017-07-02
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: LEXISNEXIS (MS)

I contacted Lexis Nexis regarding a public record. They told me the information was verified but did not tell me how. According, to the FCRA this information have to be provided with physical documentation. Also, this information have to be verified with the courts and the courts have to verify it. Third party sources such as XXXX does n't count as verification. I ask if could be removed Upon viewing my credit report I found many inaccuracies and they refuse to remove it from credit report that 's violating FCRA I 'm in the market to purchase a home and need these removed
Consumer complaint received 2023-01-26
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: LTD Financial Services, L.P. (GA)

This is a collection from an off campus student housing property that I did not move into due to no enrollment XXXX  semester XXXX  owned by XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX Is the original creditor says my credit report. LTD Financial Services is the debt collection agency. I was sent to collections for {$10000.00}. I've never experienced this I'm XXXX XXXX XXXX. I did not know my rights until I read up on XXXX XXXX about my collection. 
The debt collection agency LTD financial services repeatedly calls me. The most recent calls on my call log include XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XX/XX/XXXX XXXX. I have asked them several times to stop calling me. I was not offered any written correspondence from the LTD Financial Services. I ask that this collections and balance be removed from my credit report due to harassment and unprofessional tactics. Thank you
Consumer complaint received 2019-09-17
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: EQUIFAX, INC. (TX)

Equifax and XXXX  are reporting incorrectly XXXX XXXX XXXX days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments, however this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this, however I have been unsuccessful.
Consumer complaint received 2019-02-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC. (AZ)

During the middle of XX/XX/XXXX I was served with paperwork from Midland Credit Management under mine and my wifes name for a debt I was never listed on, we never received any notification by mail or phone that the collection agency had purchased the debt, the phone number they had on file has never changed, my wife still has the number they have on file. I called them to find out what was going on and first they said they couldnt discuss it with me and I informed them at the time they listed more on the lawsuit, the option of not dealing with me went out the window. They claimed it wasnt my debt so they couldnt discuss, I told them if its not my debt, why am I named on the suit? 

I then asked them when they bought the debt, they said XX/XX/XXXX, I asked what address do you have on file and they verified it was our current address, I then asked why they didnt notify my wife they bought the debt and they said they wasnt required to. 

I then asked if you bought the debt in XX/XX/XXXX and have our current address, why did you file in a different county? The first response was it was suppose to be filed in XXXX county. Then changed to we can file in any county in your state I said so you can have us served and if we dont have transportation to make it to that venue then we cant fight it, he said thats not our problem, we just need a judgment. 

Now they expect me to sign a form to claim the debt as mine as well, Im not signing any forms. 

Seems to be unfair collection tactics, Midland rather get a judgment than deal with a customer.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST MERCHANTS CORPORATION (MI)

To whom it may concern, My name is XXXX XXXX and my loan number is XXXX. First Merchant Bank is reporting a 30-day late on my credit report. This needs to be removed. During the RESPA period with First Merchant, I was never contacted or advised that my servicing was transferred to them. I continued making my payments to my previous servicer without any issue until finally one was returned to me. I have made all payments to date on my mortgage. I should not be responsible for the lack of communication from the new servicer. 

I request that the 30-day late be removed from all 3 bureaus as a courtesy by First Merchant .
Consumer complaint received 2020-11-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (CA)

I have submitted two times and have waited so long to get credits put back in my credit card account thru Bluebird Amex. The total is {$250.00} dollars. I have submitted all my documentation showing why i should be credited back my money. I keep getting the run around my I believe agents that are not working my case properly and collect all documents to show these are fraudulent merchants. There are 3 different merchants.! from XXXX XXXX dated XX/XX/2020 for {$160.00} and they person who sold it to me also dated XX/XX/2020 Justfly XXXX for {$53.00} which was there fee. I was suppose to fly out to XXXX for a family matter and I was ready to go until I got a message stating that residents from California, Texas, Arizona and etc were not allowed to go into Illinois due to COVID 19 are we were high risk states. I don't know why the airlines and travel agent allowed people to purchase tickets I'm sure they knew before we knew. Now I called and emailed trying to get thru to someone to refund me because I don't feel i should have to p [ ay for something i cant use. I never heard from anyone so i placed a dispute thru my credit card company Bluebird Amex. I have submitted this so many times and they keep dropping the ball. I also placed a order for a pet bed for my dog and that merchant flip flopped on me as well and never sent the bed out and i asked to cancel the order and refund me. They never did. This merchant I ordered for was thru XXXX and i have reported them as a fraud merchant thru XXXX but I also submitted them to bluebird to dispute the transaction showing them I did everything to resolve it myself this merchant goes by the name XXXX ( XXXX ) and that is in the amount of {$36.00} on XX/XX/2020. I have all my documents showing what's transpired and I'm really not getting anywhere with Amex bluebird. I need help. I'm not working and to be out {$250.00} today is not easy especially with merchants who are taking advantage of COVID 19. I need help to resolve this and get my money back.
Consumer complaint received 2022-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

XXXX made an atm deposit at XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX 

there was a XXXX XXXX money order {$800.00} check included in the deposit. 

Received a letter from TD stating the Monday order was illegible. 

Went to the local branch and ask why it is illegible, teller name XXXX said the check was lost and she will write to XXXX demand a credit. two weeks later still no respond. 

Now the case was transfer to supervisor XXXX XXXX XXXX, she said there is no phone contact to the atm department and only thing she can do is email but still no reply? She said there is nothing else she can do?
Consumer complaint received 2017-07-02
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. (CA)

I noticed that an account XXXX was reporting that I was over my limit and behind on payments but I know this was not true so I filed a dispute witjh Transunion regarding this ... in fact I had to call them because I am unable to file a dispute online due to some error I receive trying to logon I have photos of the error. When I spoke with Transunion and explain to them the situation that I have 2 accounts that are simular but different in account numbers and gave that information to them. I then received the results from my dispute saying the information was not changed that it was correct so i called again and this time it was corrected a couple weeks later I checked my credit again and all the same information was back again and is still there now. I am unable to dispute anything with Transunion unless I call them during business hours which is a difficult time for me. I have also tried contacting the creditor with no results. I have another account XXXX that is in collection and they are switching the accounts back and forth to try and confuse the situation and I believe they are manipulating my report using these accounts. I am attaching photos of my account in question and other accounts regarded. Thank you
Consumer complaint received 2022-09-02
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. (LA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AND XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 STATES THE RIGHT OF PRIVACY.

15 U.S.C SECTION 2 ALSO STATES A CONSUMER AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2024-03-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (CA)

I. Consumer Information : - Name : XXXX XXXX XXXX. Issue Overview : This complaint is to address and seek resolution for the unjust and unexplained actions taken by Wells Fargo, including an unexpected directive to close ALL of my accounts and the freezing of my fundsoriginating from a significant transaction. These actions have severely impacted my ability to meet financial obligations.

III. Detailed Description of Events : 1. Deposit from Home Sale : On XX/XX/2024, I deposited funds into my Wells Fargo account from the sale of my home. This deposit was intended to support my financial activities, including an international wire transfer. 

2. Denied International Wire Transfer : On XX/XX/2024, Wells Fargo unjustly denied my request to conduct an international wire transfer without providing a substantial explanation, disrupting my financial management plans. 

3. Directive to Close Accounts : Later the same day XX/XX/2024, I was informed by the bank that I needed to close all my accounts, without clear reasoning or justification provided. 

4. Account Freezing and Restricted Access to Funds : Upon attempting to close the accounts on XX/XX/2024, I discovered that my accounts were frozen, denying me access to my funds until XX/XX/2024. This action was vaguely justified as a " business decision '' by the bank, without further explanation. 

IV. Impact of Wells Fargo 's Actions : The bank 's actions have caused significant financial and emotional distress : - Inability to meet payroll obligations, affecting my business and employees. 
- Potential damage to my credit score due to delayed payments, with long-term financial implications. This will cause damage to my credit report. 
- Personal distress from being unable to meet living expenses and other financial commitments.
Consumer complaint received 2022-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACt XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AND XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 STATES THE RIGHT OF PRIVACY.

15 U.S.C SECTION 2 ALSO STATES A CONSUMER AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Statebridge Company (AZ)

I found that Statebridge Company reported a discharged debt as late on my credit report ( post discharge ). 

A discharged debt can NOT be late ever. So if a creditor reports a late for a date AFTER your bankruptcy FILING date, and certainly post-discharge, dispute it. A Discharge in a bankruptcy acts as permanent injunction against the attempts by those creditors listed on your petition from ever attempting to collect on those debts. This means that those discharged creditors can not call you, send you a statement, institute a lawsuit against you or continue a lawsuit that they had started prior to filing of your bankruptcy, cant try to collect on a pre-petition judgment they may have received by garnishing wages or levying bank accounts, and they also CAN NOT report negatively on your credit report. Civil action could be filed for the violation of the BK laws. 

To boot Statebridge Company refused to take my payments and refused to communicate with not one, but two law firms. I have a recorded call on XXXX XXXX ( provided to my attorney ) and attempted contact logs from two law firms reflecting Statebridge Companies refusal to communicate and or take payment. Ironically the payments that were reported as late were XXXX, XXXX, XXXX and XXXX of XXXX ( after my payment/s were refused and a complete lack of response/communication from Statebridge Company to either myself or my attorneys ). 

I did call XX/XX/XXXX @ XXXX requesting this concern be resolved. I was told XXXX XXXX or management would be returning my call the following day, I received no return call ( in typical fashion ). I can provide the recorded call if you would like. 

I'm assuming Statebridge Company would prefer not to deal with my attorney once again as my loan was PROMPTLY sold after Statebridge Company was forced to communicate and conduct business in a legal manner. 

XXXX XX/XX/XXXX @ XXXX I called Statebridge Company XXXX XXXX XXXX to their letter stating that they could not find my XXXX. First it is public information, second I am confidant when they purchased my loan my BK was included in the documents they received. I do not feel it is my responsibility to provide them with a copy of my BK ( which included that debit ) as they are the ones who broke the law by reporting the discharged debit as late. I will re file the complaint and include for the CFPB a copy of my discharge. 

*** During my attempt to resolve this illegal reporting I contacted several employees of Statebridge Company LLC via email. Ironically one former employee responded and suggested I file a complaint with the CFPB, and let me know Statebridge Company LLC is currently under investigation.
Consumer complaint received 2022-09-02
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: Experian Information Solutions Inc. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-07-07
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. (TX)

The following items are not authorized inquiries in which the company does not allow you to dispute the inquires online and when calling your turned away by the rep. the following items are not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-07
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. (NY)

My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXXs customer service representative.
Consumer complaint received 2022-09-02
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. (CO)

! FRAUD ALERT! XXXX XXXX XXXX / XXXX account opened without my knowledge in XX/XX/2022. Noticed and disputed XX/XX/2022 XXXX, XXXX and Transunion. Attempted to contact XXXX XXXX, XX/XX/2022 - Robo answering service is suspicious - requires input of personally identifying information with no option to speak with a live representative. Disputes have not resulted in the removal of this account from my credit report. I did not open this account. Identity theft. Do not extend new lines of credit.! FRAUD ALERT!
Consumer complaint received 2022-03-07
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: Weltman, Weinberg & Reis Co., L.P.A. (OH)

My personal information was stolen and compromise. I have file a police report. These account were open without my permission. This accounts are with the following collection agency :, Weltman, Weinberg, & Reis ( XXXX  XXXX  {$2200.00} ) {$770.00} XXXXXXXX XXXX  ( {$590.00} ) XXXXXXXX XXXX ( {$1900.00} ) XXXX  ( {$240.00} )