davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (CA)

The problem that I'm having with this company is that whenever I try to make a settlement with them because I can't afford the offers that they're giving me they always act mean and mess around with me acting like they care ( sarcastically ) while I can tell that they're saying in a sarcastic way that they're trying to help me, and they also come up with a lot of nonsense stuff when I'm just trying to see if they can accept what I have or what they can do on this account. 


Last call that I made I asked if I could just speak to the manager to see if he could help me any further and they just put me on hold for a long time and then the call dropped, I don't know if it was them messing with me or the call did drop since I have no evidence but of what I'm sure is that they really had no intention of helping me like they said on their sarcastic way of speaking because what you less expect when you are the most stressed about your financial situation is dealing with people like this that really don't care about you and feel like they could treat you however they want.
Consumer complaint received 2023-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount GR Holdings, LLC (CA)

Solar panels were installed without a permit. Solar panels have not been in use since installation for XXXX years. Solar panel company provided false information on the progress of our solar installation and had us sign up with Good Leap loan before extension expired. My wife and i were scammed into believing the progress and approval for our solar was going as planned. I have made a report with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX against XXXX XXXX and have proven XXXX or more possible violations of the California Business and Professions Code. 
XXXX XXXX : XXXX XXXX XXXXXXXX
Consumer complaint received 2022-04-04
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. (OH)

In accordance with the Fair Credit Reporting act XXXX account # ( XXXX creditor. ) XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2016-11-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MT)

In XXXX of 2016 My wife and I went to a car dealership to test drive a XXXX XXXX pick up truck. After driving the truck we went into see if we could get financing. We looked for financing through the dealership. They pulled XXXX hard inquires on our credit. We were told that it would n't hurt our credit and that there would only be XXXX hard inquire. They also pulled credit on my wife as well. Now all of those inquires are showing up on her credit too.
Consumer complaint received 2022-04-04
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: EQUIFAX, INC. (NC)

In accordance with the fair credit reporting act XXXX  Account # ( 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  ), has violate my rights. 
15 U.S.C. 1681 section 602 A. States I have the rights to privacy.

15 U.S.C. 1681 section 604 A. it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the fair credit reporting act XXXX  Account # ( 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, has violate my rights. 
15 U.S.C. 1681 section 602 A. States I have the rights to privacy.

15 U.S.C. 1681 section 604 A. it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-22
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: Experian Information Solutions Inc. (CA)

I have repeatedly tried to dispute an account on experian due to identity theft and experian keeps coming back saying the account is valid. They dont send any documents or any proof showing this acct in fact belongs to me and I opened it. Ive sent in numerous affivaits and fraud paperwork along with multiple disputes. They said they can not do anything about it because the credit card company is telling them this account is valid once again without any documents or proof this in fact is my account. Didnt experian have a data breach? I dont feel like theyre taking care of their customers very well. I even spoke to XXXX XXXX and the information they had on file does not match with mine besides my name and social of course because thats how it was open. Ive never lived at the address provided and email was never owned by me
Consumer complaint received 2022-04-04
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (GA)

I requested for Chrysler Capital to send me a contract with my signature for alleged account. An email from XXXX was sent to me on XX/XX/2022. The attachment ( .tif ) was not readable. I responded to email asking for a PDF instead, I have not received a response.
Consumer complaint received 2022-04-04
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. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-02-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rock Holdings Inc. (VA)

Title Source was contracted XX/XX/2012 to correctly distribute funds on XX/XX/2012 to XXXX and XXXX as stated on page 66 of the attachment. Only XXXX was paid correctly. They have constantly been looking at paperwork for the first agreement that was changed do to XXXX XXXX  not releasing the lean for XXXX XXXX to meet correct obligations to sell the mortgage to XXXX XXXX. XXXX   requires the loan to be in the first position for them to purchase the mortgage. Both I and XXXX XXXX   were not aware of the error until late notices started showing up. 
Title insurance is used to prevent errors from happening and correcting the problem as soon as it is discovered.
Consumer complaint received 2022-04-04
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: Experian Information Solutions Inc. (TX)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (OH)

Checkr sent a background check to XXXX which caused my account to get deactivated by XXXX. The background check was not accurate and incomplete. It showed I had 2 accidents but did not specify that I was not the driver at fault in either accident and that I also stopped for an ambulance to get thru in the accident and the person behind me didn't see the ambulance and bumped me from behind. It even specifys this in the accident report from the police. It is nearly impossible to get thru to an actual person from XXXX or checkr to explain the inaccuracies reported. I've sent over 50 different emails between the 2 companies and can't get in touch with an actual person.
Consumer complaint received 2019-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo has incorrectly reported our mortgage loan balance as increasing to XXXX  and XXXX  for two months in a row. 

On XX/XX/XXXX Wells Fargo incorrectly reported a balance increase of {$540.00} from {$75000.00} to {$76000.00}. 

On XX/XX/XXXX Wells Fargo incorrectly reported a balance increase of {$1600.00} from {$76000.00} to {$77000.00}. 

The loan balance as of XX/XX/XXXX on the Wells Fargo page for our account is {$74000.00}. 

This has had a negative impact on our credit report for two months running lowering our score.
Consumer complaint received 2017-01-18
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (CA)

SYNCB, has continue to report outdated information to all three credit bureaus. XXXX accounts : Chevron, Lowes, Mervyns, Old Navy, Sams, & Walmart were closed for delinquency and enrolled in a hardship repayment plan XX/XX/XXXX but when I filed bankruptcy XX/XX/XXXX, SYNCB charged off the delinquent accounts XX/XX/XXXX. I continuously request removal of these accounts because they are outdated, but the ceditor continues to report the inaccurate, incomplete and unverifiable information.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX TransUnion Fraud Victim Assistance Department XXXX XXXX XXXX XXXX, XXXX  XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Fraudulent INQUIRIES XXXX XXXX  DATE : XX/XX/XXXX XXXX XXXX  DATE : XX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

Proof of identity I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-04-04
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. (MS)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-04-04
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: EQUIFAX, INC. (MS)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-04-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (TN)

On XX/XX/2022 I received an email from Wells Fargo congratulating me on opening a new account which I hadn't. I then received a separate email verifying that my contact information had been changed which it had not been. I contacted Wells Fargo in which they terminated the account and opened a cyber security investigation into the matter.
Consumer complaint received 2022-04-04
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. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-04-04
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CLGF Holdco 1, LLC (OH)

Hello I had previously submitted a compliant against Indigo/ Genesis FS Card Services regarding fees and interest in excess and their unwillingness to work with me. Since my last complaint filed I requested for them to no longer call me because I was receiving multiple calls from different numbers all the time and they knew my situation. I am currently the only one employed in my family and sole provider. I have not made a purchase on the credit card in years and the balance continues to go up because it was over the limit and behind. Due to Covid and family illness my Husband lost employment and we fell behind on several bills. The fees keep pushing the balance up and making it harder to pay them anything to stop the increase each month. They will not stop over limit fees or late fees if you do not pay at least the minimum payment. I can not afford even that. At this point I am trying to avoid a charge off hurting my credit even more so I continue to try and make small {$40.00} payments but this does nothing to help reduce the balance. 

Further more I received a letter from Genesis FS Card Services dated XX/XX/2022 and it states they will waive two late fees and they will discontinue further calls per my request. Since this date I have still received multiple phone calls voicemails. ( Number - XXXX ) While they are waiving two late fees, if they total the fees on this balance one would see most of what is owed is ALL fees. This is beyond abusive to the consumer.
Consumer complaint received 2024-04-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a concerning issue I have been facing with Bank of America regarding several transactions from three years ago. On XX/XX/2021, i discovered that Bank of America deposited over {$10000.00} into my account, which I believed to be legitimate funds. 

Upon seeing the deposit around XXXX that XXXX, I usedthe funds to pay off debts and expenses, assuming it was reimbursement for non-sufficient fund ( NSF ) fees previously incurred. However, around XXXX the same day, I noticed that Bank of America retracted all of the deposited funds, leaving my account with a negative balance of roughly - {$15000.00}. 

The initial deposits consisted of multiple transactions labeled as returned NSF fees totaling {$35.00} for each of those deposits. I assumed that they were being reimbursed for the amount I had been over charge. However, Bank of America has since denied any knowledge of depositing such an amount into my account. Despite my attempts to clarify the situation, they have been uncooperative and even accusatory, suggesting that I purposely overcharged my account the {$15000.00}. 

I am deeply troubled by this situation, as I believed the funds were rightfully mine, and their refusal to acknowledge the deposits has put me in a difficult financial position. I have been unable to obtain any auto loans, personal loans, credit cards, or anything of that nature. 

Thank you for your attention to this matter. I am hopeful for a swift resolution.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX In accordance with the fair credit Reporting act This creditor has violated my rights.. XXXX XXXX XXXX Account # XXXX I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXITS
Consumer complaint received 2019-04-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (CO)

I never received anything from this company about these debts until I was served at my house with a court date. 
The amounts they said I owed {$570.00} XXXX XXXX XXXX {$760.00} which is already a charge off account for XXXX XXXX XXXX I called midland company, I spoke with multiple people, mainly XXXX XXXX, I offered to make a payment of {$50.00} a monthly and that is stretching it. He was very rude and unprofessional on the phone, he refused to work with me at all. 
I never received a letter or phone call from this company regarding this matter, it wasnt until they showed up to serve me the door of my house that this was out there. Furthermore, this company has combined to debts to make the total over {$1200.00} to be able to take this to court. This is not a legal practice under the debit act. 

I my take home pay is Monthly and is {$1000.00} per month. 
I have 1 dependent, XXXX years old, I am responsible for. 

My expense are as follows ; Rent XXXX monthly Utilities around {$280.00} Cell {$200.00} Cable {$210.00} Insurance {$160.00} Loan payments {$160.00} Grocerys around {$400.00} I get snap food assistance XXXX XXXX/month My sons dad will help when he can
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXX In accordance with the fair credit Reporting act This creditor has violated my rights.. XXXX XXXX XXXX Account # XXXX I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE ENGELHARDT V GRAVER ( MO ) 281 SW 715, 719,6 I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXITS
Consumer complaint received 2022-04-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need this account be deleted or updated. This is the items I demanding to be deleted immediately :
Consumer complaint received 2019-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (OH)

I recieved a bill from Transworld Systems for a bill that I am not responsible for. XXXX XXXX XXXX sent my account to collections when I had insurance coverage, I had two insurance companies that cover their services that they did not bill. Now this collection agency is sending me Bill 's because their client did not bill my insurance.
Consumer complaint received 2016-07-07
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SYNCHRONY FINANCIAL (GA)

Synchrony Bank : deceptive business practices, poor record keeping of financial transactions, and fraudulent behavior in the servicing of consumer credit payment processing for XXXX : Over week ago received robo-call from " Unknown ''. Answered call - automatic message claiming to be XXXX XXXX. Paid {$1000.00} on account. Later found my XXXX bill and called XXXX at XXXX to verify payment. Agent claimed " we have no record '' of payment. I stopped payment and informed them. XX/XX/XXXX called to payoff promotional amount which was XXXX ( promotion ends XX/XX/XXXX before the can add interest ). Asked why my balance was over XXXX. They claimed late fees and interest. Asked that they send documentation on the late payments. They were requesting I pay current payment and late fee above the promotional balance. 
Called later to pay on account and XXXX claimed that my bank refused the ACH - XXXX XXXX? The payment included the minimum payment they insisted I pay OVER the balance. I called XXXX XXXX twice and they said that there was no reason the ACH should n't go thru. 
Note : I attempted to PAY this joke of a bank several times and at one point they asked for a debit card ( I do n't have now ) and a XXXX way call to XXXX XXXX. 
This morning XXXX XXXX verified No Attempts of ACH was done by XXXX! 
1. XXXX pretended to claim the ACH would not go thru. That is pure FRAUDULENT behavior. 
2. XXXX is dishonest, deceptive and discriminatory for refusing to take a legal form of payment. 
3. XXXX does n't keep records of payment transactions. How can they not know that a {$1000.00} transaction was paid? 

This bank should be banner for banking!