davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (GA)

This debt collection agency has taken on abusive practices. I previously complained about a XXXX debt by way of XXXX XXXX in XXXX of 2020. The Harrassment stopped and I later received a derogatory mark on behalf of XXXX from Enhanced Recovery Company one month later. In an effort to quickly resolve the issue I offered to pay for removal. I paid the random {$63.00} debt for XXXX and the reporting persists with a XXXX  balance. Not only that a new XXXX debt has appeared today for over triple the amount of the first debt. I am writing so that this dangerous recycling and reporting of old paid debts or unknown accounts cease. I had one comcast years ago and have not had any new unpaid debts nor unreturned equipment. These phone calls have been recorded. 

My credit report shows two derogatory marks from Enhanced Recovery Company in starkly different amounts. I believe there have been federal violations and innacurate reporting which have been detrimental to my fair credit rating. 

Please advise.
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

For the last XXXX time to Experian I sent 2 letter to remove all inaccurate names and addresses or job from my credit report Even I sent those 2 letter to Experian they didnt remove the inaccurate name or addresses from my credit report I told Experian I only want my current name on my credit report I told Experian several times to remove all inaccurate names and addresses from my credit report or inaccurate job history I want only one name XXXX XXXX XXXX address My current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX And also I dont work on XXXX XXXX But Experian ignored my legal dispute 2 times and violated the law I will have this last complain as prove for the judge Now that I see that Experian is doing negligence and not even investigating All the proves I sent to Experian such a ID and proof of address and oven like that Experian denied my right for fair credit report and affected my life negatively for their negligence on my credit report This is an extreme abuse by Experian and also unlawful Experian thinks is over the United States law Or over the fair credit act I did 2 legal disputes to Experian and they didnt even sent me credit report Or inform me about the disputes This a ruthless organization That dont comply with the law
Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PENTAGON FEDERAL CREDIT UNION (PA)

Bank has created a system where they intentional post dated a withdrawal ( by check ) to create an overdraft and then cause fees to be charged to multiple accounts to their benefit. 
In this case in Account A, I had XXXX and in account B I had XXXX, I had a prearranged transfer out out account B for XXXX that would post on the XXXX, I also had XXXX of incoming transfers to account A that would post on the XXXX, and an Additional funds incoming that had not posted yet. 

The bank then post dates a check form account A to come out after hours on the XXXX ( nothing was posted at XXXX XXXX  when I last looked, and at this point it looks to me that it post AFTER Midnight so it should of been a withdrawal on the XXXX ), so that they would initiate a fee on account A, then Transfer roughly {$55.00} out of account B, which would cause account B then to also incur a additional fees for the transfer coming out. Creating a cascade of fees for multiple accounts. 

To add to all of this confusion the banks has also created a situation where it is hard to identify my accounts externally as most institutions for security will only show the last 4 digits of an accounts, and have given me multiple accounts that end in the same 4 digits. 

I believe these actions are anti-consumer, and I point to XX/XX/2022, when the CFPB issued a circular to the other federal banking regulators making the case that such authorized-positive fees constitute an unfair act or practice.
Consumer complaint received 2021-06-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TRANSWORLD SYSTEMS INC (MA)

I received notice from my credit monitoring service that this company negatively impacted my credit with a debt Im not liable for from an institution I have not had a relationship with in over a decade. Im XXXX and receive SSD as my only source income. Nevertheless the debt is not mine and Im not liable for this fraudulent charge
Consumer complaint received 2021-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

I have been disputing since XX/XX/2020 with the credit bureaus on a few collections and they have done nothing about the inaccurate information that is being reported on my credit file. There is so much information on my credit file that is being reporting inaccurately. I have been disputing and they have been blatantly ignoring the issue at hand.
Consumer complaint received 2020-12-03
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 am i victim of identity theft. I went to apply at XXXX XXXX XXXX XXXX  on XX/XX/XXXX and I was denied due to negative accounts ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) and to make my day worst they do not belong to me. I never authorized these accounts being opened under my personal information. My personal information was stolen on XX/XX/XXXX and they took my drivers license and social security card along with other personal belongings. I filed a police report already with XXXX XXXX Police, no arrest have been made but the investigation is still ongoing. I never received any money, goods, services or benefits of any sort from these accounts being opened under my name. I need these accounts blocked from my credit because they are a direct result of identity theft. All statements in this narrative are true and correct without any omission of facts to the best of my knowledge.
Consumer complaint received 2019-08-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH (TX)

Iberiabank serviced a fraudulent mortgage loan on the basis of a mortgage note on our property ( Addressed at : XXXX XXXX XXXX, XXXX, TX XXXX ) on the XX/XX/2018. The mortgage loan has been recorded in the XXXX System with the mortgage identification number of XXXX. 

https : //www.iberiabank.com XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Since we did not have any legal business relation with this bank I need to know the following information : 1. Was Iberiabank licensed as a mortgage loan servicer in Texas in 2018?

2. Who was the borrower of the fraudulent mortgage loan?

3. When was the mortgage note executed?

4. When was the mortgage loan account opened and when was it closed?

5. Who is the lender of the fraudulent mortgage loan?

6. Has there been a deed of trust executed in XXXX   County or anywhere else for this mortgage loan?

7. What was the loan amount of this fraudulent mortgage loan? 

Since this was a fraudulent loan and was issued against our property, I believe we have the right to know all these information with evidences for any claim against the fraudulent lender for this loan.
Consumer complaint received 2021-06-24
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 (NY)

Capital One Case Number : XXXX Transaction date : XX/XX/2021 Disputed amount : {$81.00} I have a scam transaction but Capital One denied my dispute. 

I won a {$100.00} XXXX gift card for {$81.00} on ebay. I received gift card code and pin number on a printout paper. I did not receive the physical original gift card. On XX/XX/2021, I checked the balance, it has {$0.00}. The seller stated she would investigate this issue, but never hear back from her again. I disputed the {$81.00} transaction with Capital One. I submitted many evidences to Capital One, including conversations between the seller and me, my XXXX orders history to prove that I did not redeem the card, gift card code and pin number, payment receipt, gift card {$0.00} balance screenshot. Capital One denied my dispute. Capital One ridiculous asked me to provide the seller/scammers cancellation policy and purchase receipt. They also ridiculous requested a second opinion letter, from any third-party company, which must be an original letter and on the third-party companys letterhead. I tried many companies. No company is willing to do such letter as would involve legal issue. As my searches online, if buyer gets a previously-owned card with no value, these are scams. I am a victim of scam. Capital One refuses to protect me. Capital One violates Fair Credit Billing Act.
Consumer complaint received 2021-06-24
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: EQUIFAX, INC. (AL)

I am writing because I am a victim of Identity theft. These accounts listed were not made by me. I meet all of the requirements for blocking and removing information from my consumer report under 15 USC 1681c-2.
Consumer complaint received 2020-12-03
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. (MO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Account # XXXX Equifax has been reporting this alleged debt on my credit report not providing me with any proof of the alleged debt. I have written Equifax 3 letter 's to no response at all. I know that COVID has a big part in response, my first letter was sent to them in XX/XX/ still no response from Equifax. I'm submitting all 3 letter 's that I've submitted to Equifax with no response at all.
Consumer complaint received 2019-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Last time I checked, companies are supposed to inform me before putting negative information on my credit report. Besides the fact that I have no idea who the company below is, this company has just put stuff on my credit report without even warning me about it.I ask that get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for.. Delete XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX,
Consumer complaint received 2022-09-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (IL)

Im making this complaint against RECEIVABLES PERFORMANCE for identity theft. I have never given RECEIVABLES PERFORMANCE any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until RECEIVABLES PERFORMANCE can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and RECEIVABLES PERFORMANCE continues its collection efforts, I will file for litigation for actual damages caused and RECEIVABLES PERFORMANCE will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.
Consumer complaint received 2022-09-16
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. (NY)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (CA)

XX/XX/2023 there was a transaction which my debit card and saving was compromised by a scammer in which XXXX XXXX was used which they compromised also. The scammer managed to transfer fake fund through my XXXX XXXX which had my navy federal attach to and some how they manage to take XXXX in which I didn't have in my account at the time. Also at the time of me finding out what was going on with my account I called navy federal to help fix my account and stop the fraud from happening I called and gave information which I thought was true in what I did to prevent the scammers ended up my account being closed and everything place on me to fix in which I didn't commit these fruadently activities I called to notify to have my account fixed and safe from it ever happening again.
Consumer complaint received 2020-12-03
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)

i am i victim of identity theft. I went to apply at XXXX XXXX XXXX XXXX  on XX/XX/XXXX and I was denied due to negative accounts ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) and to make my day worst they do not belong to me. I never authorized these accounts being opened under my personal information. My personal information was stolen on XX/XX/XXXX and they took my drivers license and social security card along with other personal belongings. I filed a police report already with XXXX XXXX Police, no arrest have been made but the investigation is still ongoing. I never received any money, goods, services or benefits of any sort from these accounts being opened under my name. I need these accounts blocked from my credit because they are a direct result of identity theft. All statements in this narrative are true and correct without any omission of facts to the best of my knowledge.
Consumer complaint received 2020-12-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (LA)

my account with reliacard was locked in XXXX so XX/XX/XXXX i sent in a id that i had to get from dmv and a selfie two weeks later i got a letter saying to send id again andand selfie and taxes for XXXX and ssi card so i got everything together and sent on the XXXX of XXXX i even sent XXXX XXXX and XXXX taaxed along withXX/XX/XXXXi called everyday they said it taakes 2 days then they said it takes 5 to 7 days then they said the documents werent clear enough so i send id the ssi card and then XXXX taxes again its now XX/XX/XXXX and my account is still lockedthis is a joke i cant believ this i had two trees fall on house and have young children in my home who cant eat properly because im waiting on someone to look at my id ive sent messeges for someone to call and nothing no one calls back this bank is a joke
Consumer complaint received 2020-12-03
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: BBVA FINANCIAL CORPORATION (FL)

This company is the WORST bank I have ever had to deal with. 
I opened a credit card with BBVA in XXXX, they would send me 10+ pre-approval flyers a week. 
3 weeks ago, I noticed that my card had a purchase from XXXX on it. I have never used this card. It was locked in its envelope in mysafe since activation. I went on the website, locked the card. Called XXXX and they said they would refund the money in 7-10 days. I waited 7 days and called them back to see what the status of my refund was. They said they needed fraud verification and so I needed to call my back and dispute with my back and they would give me my money back. So I called in today to the customer service phone number of BBVA and waited 22 minutes to speak to a rep. The rep said they could not help me, that they had to get me over to fraud. We had lots of communication issues ( phones cutting in and out ). So I asked for a phone number for Fraud incase the call got disconnected. He gave me the same customer service phone number I called into. I said I would like the direct dial number for the fraud department so I do not have to sit on hold for a half hour to get transferred. He said he could not help me with the dispute. I said I didnt need him to help me I needed the phone number to the person to help me. He said he couldnt help me with the dispute. we did this a few times back and forth and then I asked to speak to a supervisor. HE put me on hold for 34 minutes, and then when I got to the supervisor the supervisor said " I can't help you because he blocked your card, you have to call back '' We went back and forth about how these transactions were from a previous billing cycle and that they were fraud and needed to be disputed as the bill is due according to the online banking on XX/XX/XXXX. He said he could schedule a call back, I agreed. He kept offering me a call back and I had to raise my voice and tell him that I ACCEPTED 3 TIMES SCHEDULE THE CALL BACK. 

The customer service I received today was absolutely atrocious. No one could help me. I still have hundreds of dollars of undisputed fraud charges on my account and I will maybe get a call back in 3 days.
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MN)

I do not recognize ANY of these inquiries on my credit report. 
Creditor : XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX  Card Services Inquiry Date : XX/XX/XXXX Creditor : XXXX  Card Services Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : US SM BUS ADMIN ODA Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX  Card Services Inquiry Date : XX/XX/XXXX
Consumer complaint received 2022-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

On XX/XX/XXXX I cashed via on my mobile device a check for XXXX through my bank HSBC.The check was from XXXXXXXX XXXX XXXX and there bank was XXXX XXXX and the funds was from selling my vehicle to them. Fast forward XX/XX/XXXX I get a l letter that the check deposit is being reversed. I have spent since XXXX dealing with my bank HSBC trying to obtain proof that the money was returned back to XXXXXXXX XXXX I have talked to the maker of the check and they just show the check clearing the account but never the funds returning back to them. They also state that they never asked for the check to be reversed. So now Im out the XXXX dollars and each side tells me the other one has the money. HSBC tells me I need to go to the maker of the check but why is my bank taking money out of my account and sending it to the makers bank after it had been cleared back in XXXX. I need help getting proof of which bank really has the money. The two managers at HSBC is XXXX and XXXX that I have been working with. The case ID number is XXXX through HSBC. The Head of back offfice at XXXXXXXX XXXX XXXXXXXX is XXXX XXXX. Please help me as I have tried to work with the bank to get my money back.
Consumer complaint received 2022-09-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC. (FL)

So I noticed there was a debt collector medical bill placed onto my credit ; The debt agency is Wakefields & associates I have no recollection of ever signing or allowing a contract from this company come through ; when I called there phone number and stated medial debt arent allowed to be displayed on credit they said nothing of the situation. Ive sent letters in to the 3 bureaus known as XXXX, XXXX, and XXXX as well as Wakefields and associates. I was never contacted back through letters by no bureau expect XXXX. When I stated how my Hippa laws were violated and I do not accept this and would like it removed off of my credit report. This debt contract that was never authorized by me was made XX/XX/2021 ; signed over by a company under the name of XXXX XXXX XXXX
Consumer complaint received 2021-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Ive had this card for over 18 years and they offer reward points that can be redeemed for store cards. I accumulated XXXX point which qualified me to receive a XXXX XXXX card for {$250.00}. I requested the card in XX/XX/XXXX. I didnt receive it within the timeframe that they stated. I called them in XX/XX/XXXX and they verified that I didnt receive the card so they added back the XXXX points so I could request the XXXX XXXX card again. I did so and the same thing happened. I didnt receive the store card. I called them again in XX/XX/XXXX and was advised to file a claim for an investigation so they could research the issue. They also credited my account with the XXXX points and I redeemed them again for the XXXX XXXX card. I filed the claim over the phone with them and nothing was done. I didnt even receive a call to advise me of the outcome. Again, I called them, at this point it was already XXXX. They credited the points back to my account so I could redeem my rewards again. At this point I gave up requesting the XXXX XXXX card to see if I would have better luck with a different reward. On XX/XX/XXXX I redeemed the XXXX points that I had accumulated. I requested several store cards which to this date XX/XX/XXXX I have yet to receive. Is there anything you can do to help me get these rewards that I have earned? I really dont want to spend anymore hours on the phone with them and not get any results.