davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-28
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. (VA)

XXXX sent final bill to incorrect address. Is report XXXX on my report XXXX XXXX formally XXXX XXXX switched companies did not provide me with any new contact information or payment instructions ... reporting my payments late XXXX XXXX XXXX XXXX changed credit cards from visa to MasterCard mailed my card to a old address I used bill pay to make payment with old card number not aware of a change and my cc charged off I found out when collectors called. XXXX All of the companies above are refusing to own up to communication errors and fix my report
Consumer complaint received 2022-08-29
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. (NJ)

On XX/XX/2022, and XX/XX/2022 I filed disputes with XXXX, XXXX, and experian, all 3 credit bureaus due to there being collection accounts that are not mine ( 4 to be exact ) on all 3 of my credit reports. According to the rules and or laws for your guidelines, I got no response in a reasonable amount of time and heard no answer or anything explanation whay is happening. I would like these items removed from all 3 of credit reports, thank you. The items are : 1. XXXX XXXX. Acct # XXXX Account is not mine. 
2. XXXX XXXX XXXX XXXX Account Number XXXX 3. XXXX XXXX XXXX XXXX XXXX Account # XXXX. Account is not mine. 
4. XXXX XXXX XXXX Account # XXXX. Account is not mine.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-02-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On or about XX/XX/2019 I was told about a grammarly correction feature online for a monthly fee of aproxamately {$11.00}. I choose to use the feature for one month. Not aware I would be charged for a full year upfront. XXXX  system is not set up with a stop gap to give a customer a deliberate choice to opt out. ( in other words their system does not show what charges you are paying for ) The following day XX/XX/2019 I notice my account with Bank America was overdrawn. In looking at the problem I identified XXXX  had charged me {$130.00}. I immediately notified Bank I was instructed to call on Monday XXXX XXXX I called and received a credit of XXXX.. and XXXX  was credited for 1 month {$11.00}. 
I then received a letter from the bank dated XX/XX/2019 stating XXXX   had rebutted. The bank is telling me to resolve the issue with XXXX   who has not returned my calls with no avail. I have reported the issue to the Federal Trade commission reference number XXXX and was asked by the trade commission to file a complaint against the bank with cfpb.Thank you for the resolution to this matter
Consumer complaint received 2024-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (IL)

I have called newraz several times to make corrections on my account for mistakes they made and the issue still has not been rectified. 
I am on a semi monthly payment plan for the XXXX and XXXX of the month. I submitted their form they provide me. XXXX payment was good and XXXX was good. XX/XX/XXXX I get a notification from my bank stating my account went into negative. When I reviewed the account. I saw that Newraz drafted my account on XXXX XXXX. I call immediately and speak to a representative, who couldn't help me so I request a manager and got supervisor XXXX, who advised me it was a mistake, my account wasn't the only one affected its all because XXXX had only 29 days, she assured me she will send a message to the payment processing department give it 24hrs she is have them stop the XXXX payment. I told her I have other bills that come out of my account that if I moss a payment for my credit will get dingged. XX/XX/XXXX rolls around I get a notification from my bank again showing XXXX refund from NewRez. I call newraz to inquire about the refund. I am told it's the XX/XX/XXXX payment. I tell the representative, no that's incorrect the XX/XX/XXXX payment already went through. I spoke to XXXX on XXXX she was stopping the payment for XXXX going through be it's a mistake ( XXXX payment would be due on the XXXX ). The representative suggested she will send a message to the payment department and tell them this info so the can draft the XXXX payment again because a refund shouldn't have been issued. Few days pass I got into my newraz account and I don't see the payment on there. So I call again, I get the same run around, but this time I request someone to call me back ... still no call from anyone... .XX/XX/XXXX comes around and I usually get a email for my drafts from newraz, but no email ... I give it a day before I call them back and get another representative on the phone ... the representative tells me she was not sure why my XX/XX/XXXX payment has not been drafts but she sees that XXXX due to draft on Thursday ... Friday comes around payment has not been drafted... .so now we are dealing with XX/XX/XXXX and XX/XX/XXXX payments that have not been processed. I put requests through their website with call log proof, screen shot of their website showing my account balance as {$2700.00} but that's not my balance. To top it all of the last representative I spoke to this Friday told me that I asked to be removed from ach payments and I was not on a Simi monthly payment plan anymore that I requested to have it removed. Which I did not. After all these calls and all the time spent on the phone to correct a mistake they made. Dealing with this during XXXX XXXX and a XXXX is unreal. I don't know how I can get in touch with a manager to fix my account.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

in accordance with the Fair Credit Reporting act XXXX Account name XXXX Account # XXXX, has violated my rights. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-29
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: Experian Information Solutions Inc. (GA)

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


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 XX/XX/2022
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

in accordance with the Fair Credit Reporting act XXXX Account name XXXX Account # XXXX, has violated my rights. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-29
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: MRS BPO, LLC (TX)

I recently got a credit report and the details below on the report are fraudulent. I have never heard of this company nor lived at this address : 1. collection agency : from MRS BPO , LLC XXXX Original creditor name : XXXX XXXX XXXX XXXX ), date assigned XX/XX/2022, {$710.00} owed, unpaid 2. Past address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX
Consumer complaint received 2020-09-15
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. (FL)

I was enrolled XXXX XXXX  in school from XX/XX/XXXX to XX/XX/XXXX. XXXX- Federal Student Loans reported a missed payment on my credit account, 90 days past due reflecting on XX/XX/XXXX. Since I was in deferment at this time, I sent in all documents to XXXX and they approved my deferment request for the dates aforementioned. I submitted proof of deferment to all three credit bureaus maybe six times already and they have not resolved my issue despite documentation provided to warrant my requests. I  have also reached out to XXXX to have them report the correct information but they too have failed to do so. 

I feel violated that my information is not being accurately reported and I have endured rejection of many essential personal business requests due to this. This has taken a drastic toll on my life and I am seeking help from your agency to have it corrected as well as have the companies involved penalized in some ways for their abuse and neglect.
Consumer complaint received 2018-04-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY (NY)

I got the 1st closing notice back in XX/XX/XXXX and got a couple of closing notices afterword. Until now ( XX/XX/XXXX ), I still don't have a closing date. My attorney had provided whatever they want in a timely manner but the Bank keep coming up with new document requirement. At the same time, mortgage rate is increasing. Therefore, I insist that the Bank is intentionally holding off my closing and wait for the rate to increase. Whenever I contact the bank for an update, I got no response.
Consumer complaint received 2023-07-05
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. (GA)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX Account number XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX Account number XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXXXXXX Account number XXXX XXXX5 U.S.C 1681 section 602 A. States I have the 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 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 seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-01-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MD)

On XX/XX/18 a complaint was filed against me from a company called Midland Funding LLC. As of XX/XX/18 a summons was issued ans I'm still waiting to be served. However I have done some research and the business is not licensed to collect debt in my state. I also to my knowledge do not owe this company as I dont not have a contract with them. I first gained knowledge about this collection from a company called XXXX XXXX XXXX  XXXX XXXX. Letting me know that Midland filed a lawsuit and they would mediate for me. The amount that the letter says {$1600.00}. Plus interest and court fees
Consumer complaint received 2023-01-26
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. (PA)

I XXXX XXXX, Consumer and natural person am a victim of Identity theft. Equifax, XXXX and XXXX have used and furnished my consumer report without my consent, authorization or written instruction. They allowed companies to share my nonpublic personal information without consulting me and used that information to furnish. Congress makes it clear that the consumer has a RIGHT TO PRIVACY! Equifax, XXXX and XXXX have violated my federally protected right to privacy by failing to meet the needs of congress by ensuring that the exercise their grave responsibility with respect of the confidentiality of my personal information. The Fair Credit Reporting Act was intended to ensure that consumer reporting agencies exercise their responsibility with fairness, impartiality, and respect to the CONSUMERS RIGHT TO PRIVACY! Equifax, XXXX and XXXX are in direct violation of the FCRA and Gamm Leach Bliliey Act of 1999.
Consumer complaint received 2023-12-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MO)

I received an email on XXXX XXXX : XXXX XXXX XXXX, Thank you for cooperating in our investigation of your Square account. As a result of our investigation, we have decided to reverse the offset that resulted in a debit to your Square account on XX/XX/2023. As a result, you will receive a credit for {$920.00} on your Square account by the end of the day. 

XXXX XXXX : Even though, I'm sending this email, I am still following up with the recovery team today to check on the status of the balance transferring into your account and as soon as I hear back from them, I will call or send an email to you.

Ive escalated this over to our Account Services team, who will review your account. They will be in contact in the next 1 - 2 business days via email, so keep an eye on your inbox.

The quickest way to get this sorted out is to reply directly to the email sent to your address associated with your Square Account.

That is the last I have heard from them.

I had an {$800.00} tranaction and they took it, then returned it to my account but it has not been deposited to my bank account. They owe me {$770.00}, I just really need my money. This tranaction was made on XXXX XXXX, XXXX.
Consumer complaint received 2024-03-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Last XX/XX/XXXX, I opened a case in my personal Capital One account, account number XXXX ', routing number XXXX ' to recover a bank transfer that I made last XX/XX/XXXX for {$10000.00} on an investment course to a company called XXXX XXXX XXXX XXXX that turned out to be a scam. The case is in the Federal Trade Commision FTC where the XXXX company has lost the case, the reason for opening the case in my personal Capital One account is to ask Capital One for help to recover my money, more than 5 months have passed. and Capital One has the case open and they do not give me any response to help me resolve this fraud problem, every time I call they tell me that it is under review. 

The banking institution that received the transfer is XXXX XXXX XXXX, account number XXXX ', rotuting number XXXX ', I will attach all the documents of the entire process along with the contract of the fraudulent company. 

I understand that us the clients have insurance in banks that are affiliated with the FDIC of up to {$250000.00}, where we have our money and in any case of fraud or unofficial actions that threaten our savings, it seems unfair to me that Capital One has not shown no sign of interest in helping me. 

I hope we can resolve this issue in the best way possible and that those of us affected can continue to trust leaving our money in Capital One. 

Thank you so much.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX is reporting a new collection on my credit report that I did not get any notice or warning of. I never received a 30 day right to dispute letter and I never received any notice that this was a collection until I saw it on my report. This is in violation and I would like it to be removed.
Consumer complaint received 2019-01-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION (IN)

XX/XX/XXXX I had sent {$410.00} from my bank account using XXXX transfer on XX/XX/XXXX using receivers phone number. The money never received. It is being shown as payment coming in receivers account since last 6 weeks. 

The sending bank confirmed that the XXXX transfer was misdirected and money was deposited into wrong account. 

The sending bank is refusing to to put trace on sent transfer or work with XXXX to get money back. All attempts to get a refund from sending bank are in vain.
Consumer complaint received 2019-01-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pressler & Pressler, LLP (NJ)

The company, " Pressler & Pressler '', " XXXX XXXX XXXX XXXX '', and/or " Pressler, Felt & Warshaw '' have been harassing me for many years. Keep in mind, this is the same company ; they keep changing their name due to the multiple complaints and backlash for their unethical practices. 
They are telling me I owe them {$6500.00} for a XXXX  credit card that had a limit of {$1500.00} ( back in XX/XX/1993 ). They have already stolen a total of {$2000.00} from my bank account on numerous occasions, and they have filed court orders to take my paycheck. I did NOT enter into any agreement with this company, yet the court allows them to levy my bank account and garnish my wages??? I need this harassment to stop. Please help. Pressler & Pressler have been using unethical tactics against me for years. They have just filed a motion to garnish my wages. I do not make a lot of money. Please help to stop this company from stealing my money.
Consumer complaint received 2022-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I reported a credit card as fraud to XXXX when I checked my credit report. A capital one card was opened on XX/XX/XXXX and had an owed balance of {$610.00} which was sent to collections. I disputed this with capital one because I was XXXX from XX/XX/XXXX to XX/XX/XXXX. Instead of requesting documents like XXXX XXXX  did, which was also disputed as fraud. Capital one said my claim was invalid. I called back and after an hour on the phone my dispute was reopened. They never told me what documents to send but I faxed them proof of my XXXX paperwork and my XXXX date paperwork. They refuse to tell me if they received my documents after giving me the wrong fax number making me collect documents and paying to send them twice to 2 different numbers. They are still saying the charges ar accurate even though I was in XXXX when the card was opened and used.
Consumer complaint received 2022-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2018 I was on the XXXX airline website to purchase airline tickets. I was offered to double the points, plus other benefits if I would open a XXXX XXXX Mastercard issued by BofA. Two days later on or about XX/XX/XXXX I called BofA and inquire about this offer and when I would see the airline mileage points. I was told by the BofA agent that I wouldn't receive any points for this purchase because the card hasn't been issued. I then asked the agent to cancel my application. Please note at this time of the call BofA had NOT issued me a CC number or mastercard. 

I received a bill from BofA in XX/XX/XXXX and I once again called to correct error and the agent said the card was canceled and I had No fees. 

I received another bill from BofA and I was told because BofA had issued the card I would be forced to pay the XXXX card activation fee. Please note the card was never activated and I attempted to cancel this card two days after the application. 

The advertisement concerning the double points and assign seating was deceptive and BofA had several opportunities to cancel the application. But then why should BofA cancel the application and lose {$89.00}
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions