davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-23
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Worldwide Processing Group, LLC (IN)

I was contacted by this company, but they left no message. I then received a text from my brother who is a police officer and he stated that the company called him, looking for me. The company told him they were using " tracing efforts '' to find me. I lloked into the information and the number and I discovered many similair situations with other people having the same company call them. They apparently also go by the name XXXX XXXX. 

I am upset that they are calling relatives and also that they are not using legit information. I would like to never here from them unless its in email or mail form. No more contact to relatives, ever.
Consumer complaint received 2022-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Inaccurate late payments are showing on my credit file. This has caused me tremendous stress. I am unable to get a mortgage loan due to this erroneous reporting. I tried to resolve this matter with the creditor and the bureau and I have not received responses.
Consumer complaint received 2022-08-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: All State Credit Bureau, Inc. (MI)

This company called Allstate credit bureau continues to harass me without validation of debt without any notice of the debt without any documentation and I don't know what it is for and they continue to put it on my credit report and try to run my credit report. I've had to go to the length of freezing all of my credit reports as I was a victim of identity theft and I don't know who this is or the company or the debt. They are attempting to say that I over {$10000.00} and fees related to housing during covid when there was a moratorium on rent and during a time I didn't live in Michigan.
Consumer complaint received 2022-01-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

On XXXX XXXX Portfolio Recovery placed a collection debit on my credit report with XXXX and XXXX for the amount of {$1000.00}. I disputed the item the same day ( XXXX XXXX ) and requested ( in writing ) Debit Validation Letter via certified mail. I also called Portfolio Recovery and they could not verify me in there system. I sent an email attachment of the XXXX XXXX XXXX to the dispute department for Portfolio Recovery. All my efforts in requesting the Debit Validation has been to no avail. As of today Portfolio Recovery has not responded in verifying this debit.
Consumer complaint received 2019-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (CA)

Hello CFPB, On XX/XX/2019 I received a mail from collection agency Retrieval-Masters Creditors Bureau , Inc. dated XX/XX/2019 notifying me that I owe {$24.00} to XXXX XXXX XXXX and I should send a check payable to XXXX XXXX. On XX/XX/XXXX ( a day after ) I received another letter dated XX/XX/2019 notifying me that they contacted me Several weeks ago and that I have neither paid the account nor contacted us to dispute the debt. Therefore, we must assume the debt is valid asking me to pay {$24.00} this time. 
I responded to them on XX/XX/XXXX saying that : " I do not have any responsibility for the debt youre trying to collect. If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. I have never ordered anything from that company. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. '' Yesterday on XX/XX/XXXX, I received another letter from Retrieval-Masters Creditors Bureau , Inc. dated XX/XX/2019 asking me again to send a check payable to XXXX XXXX XXXX. I believe that this is a harassment and it is against The Fair Debt Collection Practices Act ( FDCPA ). 

Best Regards, XXXX
Consumer complaint received 2023-07-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

A purchase was made through Cash App where the recipient did not supply the item. I immediately tried to stop or refund the payment through Cash App and reported the fraud. XXXX XXXX XXXX reversed the charges pending investigation and referred me back to Cash App. My legal firm advised me to file a complaint as I have provided documentation aka proof of fraud.
Consumer complaint received 2022-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I have been the target of 11 unauthorized and fraudulent transactions that completely drained my checking account. These transactions were placed over a 10 day period through random amounts that left my checking account with negative money, stealing a total of XXXX. The perpetrator used my banking/debit card information to open up a XXXX account to process these fraudulent transactions. Bank of America did not flag these highly suspicious and out-of-character activity for my checking account and stated they could not find proof of fraud and closed my dispute. After probing further with Bank of America, a Customer Service representative on the phone advised me to contact XXXX. He stated they should be able to search their database to find the account ( s ) using my banking information. Upon contacting XXXX, they advised me they can not do this in order to protect their customers. I have been in a loop of customer service emails asking for the same information repeatedly, which I gladly provide. Both companies have refused to handle this clear case of fraudulent activity. The claim number through Bank of America is # XXXX.
Consumer complaint received 2022-01-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: College Ave Student Loan Servicing, LLC (GA)

On XX/XX/2022 College Ave disbursed a student loan to Georgia XXXX in the amount of {$17000.00}. I am not enrolled this semester, and so Georgia XXXX returned the loan on XX/XX/2022. College Ave is not recognizing the returned funds and is still charging me interest on this amount. 


* Georgia XXXX bursar says to contact XXXX XXXX XXXX. 
* XXXX XXXX XXXX says the funds were returned and to contact the Bursar with questions. 
* College Ave says they don't have records of the funds being returned. 

In addition, on XX/XX/2022, a payment was made by XXXX XXXX to College Ave in order to refinance my College Ave loans. College Ave is not recognizing this payment and is still charging me interest on these loans. College Ave says they have no record of the loans being returned or the payment being made and I have no way of proving who paid what. 

* XXXX XXXX says the payment was sent. 
* College Ave isn't recognizing any payment. 
* I'm being charged interest by both parties.
Consumer complaint received 2022-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (TN)

I called us bank to dispute a transaction and i simply informed them that the items ordered was not delivered so i would like to dispute that transaction ... ..the lady on the line took care of it and the card was working fine ... ..i wake up this morning to realize that they marked my card as stolen, i didn't ask for the card to be set as stolen, all i asked was to dispute a transaction. i do have a business that i run and all transactions from XXXX XXXX till XXXX XXXX  the next morning when the nearest us bank opened were rejected. i called to simply have the card re-opened because it was not stolen and it was not that simple and us bank refused to help
Consumer complaint received 2022-01-26
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. (MO)

In XX/XX/2022 I discovered several fraudulent accounts on my Experian, XXXX XXXX XXXX credit profiles. I was notified several times from multiple companies that personal information was hacked/leaked. I have filed a police report with my local authorities and I have also filed a Federal Identity Theft Affidavit along with mass personal information leak documentation.
Consumer complaint received 2022-01-14
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: EQUIFAX, INC. (GA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2022-08-28
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 XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  account # XXXX, and XXXX 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 an account without my written instructions.
Consumer complaint received 2019-10-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MD)

My name isXXXX. I purchased my house is XX/XX/XXXX. Due to financial stress, since my wife does not work, my loan officer suggested I apply for a loan modification. We started the process in XX/XX/XXXX, and after what seems like eternity I was finally approved in XX/XX/XXXX. ( I attached a letter of approval from MrCooper the Mortgage Company ). My payment dropped to {$1700.00} and I had to complete a trial payment for 3 months. I made all 3 payments in the time allowed based on the approval letter. I did not miss nor was I late on the payments. But on the last payment I had Initially scheduled that payment online for XX/XX/XXXX. But due to my pay being a little short that week, I called MrCooper customer service on XX/XX/XXXX and ask to reschedule the payment for the XXXX of XXXX which is still within the time frame of the due date. But apparently the agent I spoke to has changed they payment categories causing my third payment to show on their record as unspecified payment instead of the normal monthly payment. My loan officer and I have been calling MrCooper customer service for over a month now to have this error correct and issue the final agreement for the loan modification, but we have seemed to hit a wall. We keep getting different answers every time. Initially they stated that they did not receive the signed initial approval letter. So, my loan officer resent it to them. We waited a week, still no movement we called back, now the agent at first said they didnt receive the 3rd payment after we insisted, she went back and looked and advised they did in fact received the signed letter and all 3 payment. She advised she will send a request to have the proper department issue the final loan modification letter. We waited another week and only thing I received in the mail is a letter of Foreclosure Pre-Sale. We called ( my loan officer and I ) called MrCooper back and the agent once again stated that she is sending a request to update the record for the 3rd payment and have the proper department send the final loan modification and she stated it will take another 10 days. Meanwhile MrCooper lawyer still proceed with the Foreclosure process and after 10 days of waiting for the final loan modification, the only letter I received is another letter of Foreclosure Pre-Sale.

I do not want to lose my house ; please can you help me get this straighten out with MrCooper. I feel like they honestly dont care to correct the mistake that their own employee had made by mislabeling my 3rd payment, and just want to get me out of my home. Please help me.
Consumer complaint received 2023-07-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (MI)

My cash app account balance was XXXX dollars. Cash App approved a charge on my cash app account even though there was a lock on my debit card and the debit card number charged was old/expired and reported lost or stolen over 3months ago. The cash app balance is now negative {$180.00}. I contacted Cash App to dispute the charge. I asked Cash App how a charge could be paid when my card is locked for debit purchases and there was not enough money in my Cash App balance to pay a charge for {$180.00}. My cash app balance at the time was XXXX dollars. I was not given a response why this happened. They told me that I need to pay the negative balance if I want to continue to use Cash App. I would like the negative balance reversed immediately and my account balance bought to a positive balance. 

Thank You
Consumer complaint received 2022-01-26
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: EQUIFAX, INC. (TX)

All three major credit bureaus were notified via certified mail and online. certified mail ( XX/XX/XXXX ) and online ( XX/XX/XXXX ) via dispute of a collection account that was being reported that was not mine. We have spoken with the original creditor several times. The original account was never validated back in XXXX with a different collection agency and was removed from XXXX. It was then sold and added back to my credit reports and we are now disputing again. The new collection agency failed to properly validate this date per the FCRA and Texas Finance Code, the credit agency failed to properly validate this claim. XX/XX/XXXX - they refused to update this claim stating it had been verified. The most recent dispute asked them to validate and provide their method of verification as we know this account can not be verified because we spoke with the original creditor again on XX/XX/XXXX and again they have no record of me never having an account or an account being sent to collections, that I am eligible to apply for an account. The collection agency also stated they were under no obligation to provide any original documentation showing proof this account was not fraudulent and belonged to us and they would only verify to the credit bureaus.
Consumer complaint received 2019-07-29
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Collection Bureau of the Hudson Valley, Inc. (TX)

Collection Bureau of Hudson Valley keeps calling my house seeking someone we do not know. Rather than find the correct debtor, they continuously call us. The most recent call was on XX/XX/19 at approximately XXXX.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

On XX/XX/XXXX I sent certified mail XXXX XXXX XXXX XXXX XXXX that was also notarized requesting that Experian remove any credit freezes and fraud alerts from my credit file. Experian failed to respond. In turn, I sent a second certified letter XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I also placed a call to their fraud department at XXXX today and was advised they received my correspondence but require my driver 's license and a copy of my social security card in order to remove the alert and freeze. When asked if they have a current copy of my driver 's license and social security card on file, the agent replied " no ''.
Consumer complaint received 2024-03-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (IL)

Initially disputed transactions that were unauthorized after reviewing statements with Huntington Bank the beginning of XX/XX/year>. The agent I spoke with advised me that a new card was sent ( received ) and a dispute would be opened to investigate the transactions that were not authorized. Fast forward to XX/XX/year>. I received a text message from Huntington requesting that I call. An agent requested my full social security number right away which seemed odd and I disconnected the call as I was not comfortable providing my full SSN. I called back the regular number for the bank and spoke with an agent, and let them know of my concerns. The agent stated that I need to speak with COLLECTIONS?? The agent transferred me to the team, who notified me that I had an outstanding balance as the disputes transactions that were credited were reversed. I explained to the agent that I received ZERO communication of the dispute outcome AT ALL ( no letter, email, call, etc. ). I also explained to the agent that I was unable to access the mobile app. The agent re-disputed the transactions in question on Friday. Fast forward again to Monday, XX/XX/year>. Received an email from Huntington requesting that I call ( We are trying to reach you about your account ending in XXXX. Please call us at ( XXXX ) XXXX as soon as possible. ) I called as requested and an agent stated they were reaching out about an over drafted account. I explained to the agent that the balance in question was in dispute and it was disputed again on Friday. Again, I also explained that I received no communication about the disputes and inquired how Huntington placed disputed charges into collections. The agent explained that there were no notes on my account. The agent stated they would be contacting me in either XXXX or XXXX weeks and if I didn't hear anything about the dispute that I could also reach out. I also explained to all agents that I had no access to their mobile app and was finally explained today ( XX/XX/XXXX ) that there was a known issue and I would need to do a password reset on their regular website to access the mobile app. How was Huntington able to place DISPUTED charges into collections, without notifying me of their investigation?
Consumer complaint received 2022-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (TX)

My business account has been a victim of bank fraud, and check fraud. The first fraudulent check is from XX/XX/XXXX in the amount of {$35000.00}. {$17000.00} in XX/XX/XXXX. {$700.00} in XX/XX/XXXX. {$5100.00} in XX/XX/XXXX. {$600.00} in XX/XX/XXXX {$48000.00} in XX/XX/XXXX. This fraudulent checks have been computerized made, issued without my consent, without my signature, without any waterMark check safety measures. My financial institution has allowed this check transactions to keep posting. I had advised my bank PNC to not allow computerized checks to be processed since I do not use computerized checks for my business operations. PNC bank, advised me to change account numbers, but I can not afford to do that since my business has many transactions on a daily basis, and I have my account number associated with several merchants, lenders, suppliers, customers. I have been doing business with PNC/ BBVA for over 7 years, but I no longer feel safe doing business with PNC formerly BBVA . As a solution to revolve this very serious matter, I would like my financial institution PNC to investigate this serious matter. I would also prefer for authorities to step and get to the bottom of this very serious matter since its affecting my business operations drastically.
Consumer complaint received 2021-04-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I filed an initial dispute with the bureaus on XX/XX/XXXX due to there being invalid and unverifiable information on my credit report. I never received a response from the bureaus so I sent another dispute on XX/XX/XXXX. Still, nothing from the bureaus! So I submitted a 3rd dispute on XX/XX/XXXX as well as a complaint through you because of the bureaus not communicating or acknowledging my disputes at all! This is now my 2nd complaint because you claim you need me to AUTHORIZE myself and my complaint, this is just hindering the process even more so!