davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-29
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. (VA)

I do not believe this will be resolved with the company and they are not taking actions against the employee. They have multiple complaints and lawsuits which looks like we will have to do as well. On XX/XX/28, I was called 4 times, the last 3 were from a number with my same area code from home where my family lives. I thought something had happened to them. I answered and a man who quickly ( before I could even hear him ) stated his name and that he worked for XXXX XXXX. I have never had a collections place call me and I pay everything on time so I thought it was a scam. I asked to provide more information and he would only say it was from an apartment complex I lived at 2 years ago. At this point I am thinking it is definitely a scam as he refused to answer any other questions and continued to threaten me, I tell him I am going to call the original debtor and he tells me to not do that and then rattles out my social security number, date of birth, and drivers license and asks me to confirm this info, I didnt know what to do. He then proceeded to tell me if he was a fraud, he would use my info and open up credit cards and just pay himself. The aggressiveness and the push to " give me your credit card info now '' led me to believe it was a scam especially since I knew I had no outstanding debt. I hung up on him and called the apartment complex who told me that they were getting calls all day long about this and there was an error. People that lived there in past years were sent incorrectly to this new collection agency. They reassured me they would fix it and sent me the attached ledger to let me know I owed nothing and I was ok to ignore the caller. Later that night XXXX XXXX calls again ( the same rep ) and he continued to harass me when I tried to explain what happened to him. He said that he was going to report it to the credit bureaus which would ruin my credit, He said they would take action against me. He then said I could mail the ledger to their PO box but that its better to just pay it because it would take a long time to resolve it and in that time it would go on my credit. My girlfriend picked up the phone and got aggressive back with him and he placed her on hold so she hung up on him. We called XXXX XXXX and I spoke to a manager named " XXXX XXXX '' who asked us to email him the ledger ( so apparently PO box isnt necessary ). But in my opinion the burden of proof is on them not me to prove to a company I never heard of that I dont owe anything to an apartment complex I moved out of 2 years ago. I got harassed for no reason and nothing is being done to the employee or the company for what I had to go through. My next step is legal action.
Consumer complaint received 2018-07-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Credit Bureau Collection Services, Inc. (SC)

I had XXXX at XXXX XXXX Medical Center on XX/XX/XXXX. I received my first bill the end of XXXX XXXX after which I called them and explained that I am only receiving {$320.00} a week on unemployment ( ended in XXXX ) and would need to make monthly payments until the bill was paid off. Since that phone call interaction I have made the following payments. 

XX/XX/XXXX {$100.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} I received a collection letter dated XX/XX/XXXX after which I contacted XXXX XXXX again and told them I was continuing to send them payments as agreed to earlier and did not understand why I would be sent to collections. 

Today when I got my mail, XXXX XXXX has returned my XXXX payment stating they are no longer handling my account. This seems illegal since I was making an honest effort to pay the debt. 

I have not received any further correspondence from the collection agency and my XXXX payment is not shown on the XXXX collection agency letter and was not returned to me so XXXX XXXX must have excepted it but did not apply it to my outstanding debt. 

XX/XX/XXXX XXXX XXXX amount due {$2000.00} XX/XX/XXXX CBCS Collections amount due {$2000.00}
Consumer complaint received 2017-09-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (OH)

I have reviewed my Credit report and found several account unrecognized items from your office ASSET CARE LLC # XXXX, # XXXX, # XXXX, # XXXX. I do n't remember doing any business or having having a contract for services. Please forward me proof of contract or my signature etc.
Consumer complaint received 2023-03-25
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: Sezzle Inc. (PA)

I had a pay as you go Sezzle account, its just like XXXX  No different. They are now somehow reporting on my XXXX credit report. I did NOT agree to have a pay as you go company report to my credit. They do not check your credit upon sign up, XXXX doesnt. They do not charge you interest. Nothing about them is like having a credit card etc. I have never ever given them my banking info, they say if you sign up for Sezzle up it requires a bank account? I do not have any bank account within my Sezzle. I do not and will not have a pay as you go pay in 4 type of situation on my credit report or credit monitoring. This is UNFAIR. XXXX does not report to the credit bureaus, it would be ridiculous if they did. They arent giving me a line of credit Im buying this stuff with my OWN money. There is NO interest and a payment is made every 2 weeks. Regardless. I do NOT give them any permission to report to the credit bureaus on my behalf and I want it removed immediatelyXXXX XXXX  doesnt even report to credit bureaus unless you use their financing options. Sezzle has financing options and I have NEVER used them. I use the pay in 4 every 2 weeks. I refuse to have this on my report.. they are ruining my credit using and reporting incorrectly since I DO NOT EVER AND WILL NOT EVER GIVE THEM PERMISSION TO. I will fight this til the end. I have many credit cards all paid on time every month usually always in full. I do not give Sezzle any permissions to report my usage with them.
Consumer complaint received 2024-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (SC)

Taxes were filed through them and reluctantly agreed to have refund be delisted into Cash app account due to the promotion of receiving it XXXX  days early. The refund attempted to deposit but Cash app sent it back and now I have bills left unpaid, services being shut off, and probably wont see the money for XXXX weeks or so. The customer support has been absolutely terrible and they ended up closing my bank account altogether after me constantly trying tonfind a way to get access to my money
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC (CA)

Flagship has not resolved my concern. Flagship is required by California law to mail me the Notice of Intention to Dispose of Motor Vehicle, which based on the tracking number that Flagship provided in the " Notice of Intention to Dispose of Motor Vehicle '', that I am just seeing as of yesterday, XX/XX/2020, it was never delivered to my address. USPS tracking number XXXX XXXX XXXX XXXX XXXX XXXX  XXXX & XXXX & XXXX XXXX  XXXX This is an alleged debt that I am not claiming.
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: C/C Financial (NY)

XXXX/Preferred Lease has reported my account as delinquent for 90 days with a balance of XXXX . However, I have made no late payments and was offered a furlough payment in XX/XX/XXXX. I paid off my balance in full in XXXX and the company reported my account as settled and delinquent. This information is not correct, I did not settle, I paid the full balance in full on XX/XX/XXXX, earlier than my leasing end date. They immediately made a report to the credit bureaus only 6 days later that this account is settled and delinquent. I have been in touch with the company and they stated that they would " look into this '' and I should hear something within 30-60 days. This has hindered me from closing on my house. If they were so quick to report inaccurate information, then I believe that they can quickly fix this error. This is a criminal act of inaccurately reporting my credit, hindering me from obtaining any future credit or closing on the house.
Consumer complaint received 2018-05-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

On or about XX/XX/XXXX I pulled a copy of my Credit Report to find an erroneous posting by HELVEY & ASSOCIATES located at : XXXX XXXX XXXX XXXX XXXX, IN XXXX  where they claimed I owed them {$180.00}.

OnXX/XX/XXXX I sent HELVEY & ASSOCIATES a Certified Letter disputing their claim. HELVEY & ASSOCIATES either failed or refused to respond to my letter which is a direct violation of the FDCPA and the FCRA.

On XX/XX/XXXX I sent a follow-up letter via Certified Mail to HELVEY & ASSOCIATES warning them of their violation and my intention to file suit to correct the issue.

On or about XX/XX/XXXX I received a letter from HELVEY & ASSOCIATES stating that the account in question had been canceled and that it would be removed from my credit reports ( see enclosed letter ).

To date, the removal of this erroneous account from my Credit Bureaus as stated in their letter has not happened.

I am filing this complaint in order to exhaust my administrative remedies prior to filing a lawsuit against HELVEY & ASSOCIATES.

Thank you for your prompt attention to this matter.

Very Truly Yours, XXXX XXXX
Consumer complaint received 2023-04-06
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: Bread Financial Holdings, Inc. (CA)

On XX/XX/2023, I received a notice in the mail from XXXX card accounts for a charge card made in my name that had apparently not been paid for on time. I did not open this charge card and did not authorize anyone to do so on my behalf. I am not an existing customer of XXXX XXXX, I have only made credit cards through the Bank. I am attaching the paper showing the charge card made from COMENITYCAPITAL as well as a credit report printout showing the unauthorized accounts as documentation.
Consumer complaint received 2022-11-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Javitch, Block & Rathbone LLC (TX)

XXXX XXXX XXXX XXXX has put a judgement on my personal checking account. They do not hold an active XXXX bond in Texas. They hired XXXX XXXX, who are actively bonded in Texas, but this NOT enough to get around the bond requirement, per XXXX XXXX XXXX XXXX. This is an unlawful attempt to collect a debt that I was not properly notified of nor made properly aware of where the debt originated. This debt was charged off by the original company and placing judgement against me by a collection company NOT bonded in the State of Texas. And once they hired attorney to take over made this claim and therefor the judgement placed on my acount unlawful in the State of Texas.
Consumer complaint received 2022-03-01
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. (FL)

After getting calls from collection companies and receiving mail for incorrect bank accounts that were open in my name and seeing incorrect addresses shown on my credit report is when I realized that someone has access to my personal information. I had a fraudulent bank account with XXXX XXXX that was opened in my name. I immediately contacted the bank to have it immediately closed. I also had fraudulent medical accounts also opened in my name which is also incorrect, I have had medical coverage for the past 11 years through my current employer and all my medical payments are up to date with no pending medical charges. My name is being reported incorrectly with a middle initial which is also fraud. Someone is ruining my credit by adding addresses that I never lived at, incorrectly obtaining medical assistance, incorrectly obtaining cell phone lines, incorrectly opening bank accounts, incorrectly processing credit which is fraudulent causing inquiries. I have no knowledge of what or who this could be.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In XXXX of XXXX I applied for an apartment and my application was denied. It was denied due to unpaid judgements from one property. There were three. I settled and paid these debts in full in XXXX of XXXX! I reached out to the lawyer 's office which were handling the case, and they updated the court website to show the balances paid and sent a copy of the orders to me as well. I submitted these documents to TransUnion resident screening. Transunion updated the application as approved but has failed to remove the judgements off my background. They are still showing with a balance.
Consumer complaint received 2021-05-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

i have looked on all my credit reports an do not show an account for which midland credit management is trying to charge me for over XXXX dfollars. i have called trying to speak to a manager an get the run around or get told the manager doesnt wan na speak to you an to call later. was also told to bad it has the last of your social your gon na pay it. looked when i was thinking of buying a house to pay just to get it removed off my credit but after speaking with my lender an him an i both not seeing such a card on my credit we decided not to an to try an have it removed. midland credit management does not care just says i need to pay an i can not speak with a manager. 

if needed i will supply you with my credit reports showing i have never had a open, closed, an or even charged off account on my credit other then midland funding trying to impose there will to wrongfully collect from me
Consumer complaint received 2018-05-06
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 — Investigation took more than 30 days
Company: GREAT LAKES (WA)

Hello, My wife and I just moved to XXXX, WA for a job. We had a great credit score, in the high 700 's. When we set up a mortgage meeting, we were all shocked when she asked why our credit score dropped 100 points. 
It turns out that we had a {$900.00} student loan that was due the week before. A few weeks before, my wife had put everything on autopay so I'm not sure why it wasn't paid. I called right away and paid it in full. We got no notification that it was due soon. Our mortgage loan officer said the points should be returned to the account as it was a mistake. 
They are still not returned. We are living with my inlaws as our credit score is keeping us from buying a house.

Everyone I have spoken with says the points should be returned since it was a recent mistake. 
I hope you can help
Consumer complaint received 2022-08-26
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)

It has been a battle going through this and I am submitting yet another CFPB Complaint to update and correct the following fraudulent information in my file. I do appreciate the time the Credit Bureaus take in correcting some of the misleading information previously listed on my credit information. However I still need to assure complete accuracy on all items posted on my file. Therefore I ask the Credit Bureaus to provide me documentation regarding the precision of the items in question. Please conduct another investigation into the items listed : XXXX XXXX XXXX XXXX XXXX, TX XXXX Please be advised that you are reporting the wrong address information on my credit report. Kindly delete this incorrect address right away. 
XXXX XXXX XXXX Balance Owed : {$3700.00} I am frustrated! I have been disputing for the correction of this account and yet nothing has been done! I formerly asked for the proofs of verification or documents to prove that the information you report are accurate or you correct this account completely from my Credit Report but you have failed to comply! Your willful non-compliance of the FCRA statute is a clear violation of a consumers rights which is protected by the FCRA. I am now requesting that you update and correct this account on my Credit report or you stop this erroneous reporting. 
XXXX AUTO XXXX Balance Owed : {$0.00} How many letters do I have to send to you to inform you that this Account is paid and the balance is XXXX? This account has been paid and yet the current status is showing derogatory information that is unnecessary and damaging to my credit report, which is in violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect the consumers from unfair credit billing and credit card practices. This account should not be showing the current status of 30 days late since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate these illogical statuses and provide me with the date of the last activity for the account. Please delete immediately if unable to provide verifying documents!
Consumer complaint received 2018-05-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

In early XX/XX/XXXX I contacted XXXX XXXX, Wells Fargo Mortgage Representative to apply for a refinance cash out mortgage on a secondary property I owned with my best friend. I was buying out my best friend 's 50 % ownership of the property to become sole owner of the residence in XXXX, Delaware. The early activities relating to the refinance went well. The problems began at the time of settlement. The closing transaction that occurred on the original date had to be rescinded, because Wells Fargo failed to prepare completely and accurately the closing documents. When the transaction was rescinded, and no new deed provided, Wells Fargo tried to blame XXXX XXXX, Notary of the rescinded transaction and as a result his employer didn't want to pay him for his service. I had to write a letter on XXXX  's behalf to ensure he was paid. A second settlement was scheduled on XX/XX/XXXX at XXXX. Again, the mortgage documents were not prepared correctly. It took 3 additional edits of the closing documents in which XXXX XXXX, Delaware attorney had to hold Wells Fargo 's hand and guide them through the corrections before we could proceed with closing. A XXXX  closing now became a XXXX closing. I'm not sure if the fiasco with this refinance mortgage was caused by lack of oversight of the entire process by Wells Fargo, imcompetence, XXXX, or all of the above, but this transaction caused me and by best friend a lot of stress and anxiety that was unwarranted and unacceptable. It's a fiasco such as this and the treatment we received how we understand why this financial institution was fined XXXX XXXX dollars for unethical business practices. This botched transaction also caused a significant delay with the wire transfer and my ability to pay my best friend the 50 % investment as a result of the buy out.
Consumer complaint received 2024-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BOK FINANCIAL CORP (PA)

I opened a merchant dispute on XX/XX/2024, through the call center for XXXX purchases that the merchant never sent. 
I provided a letter explaining the situation to the bank and also the invoice showing that they will send the order with a delivery date. 
The bank denied the claim saying that thecard was present at the moment of the purchase, it looks like the bank didnt pay attention to the letter and also to the invoice. 
There are several stores that at the moment of the purchase they dont have stock of the products at the same place, and they send it from their warehouse to a specific address. Or like XXXX when you buy a big product like a fridge, you dont carry with you at the moment of the payment, instead they send it. 
The reason for reject the claim is not valid and they should present this to XXXX under the reason " merchandize not received '' and contact the merchant to solve the problem.
Consumer complaint received 2022-03-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: KEYCORP (PA)

To whom it may concern, I have filed an incident investigation report with the state police on XXXXIhe incedent took place on XXXX XXXX for unemployment compensation and also another incident on XX/XX/2022 for them opening a checking account using my identity.I have taken the legal steps to close these accounts and changing the important information.Unemployment filed a fraud case on XXXXTrying to move forward with all that.Thank you.
Consumer complaint received 2022-01-24
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: Augusta Collection Agency, Inc. (VA)

made it very very clear i have had medicaide since 2008 since being on XXXX there should be no medical bills in my name and i have XXXX co pay!