davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-05
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A. ()

I am a XXXX ; in NY on XXXX XXXX I applied with my wife for a us macy 's XXXX ; ihave no XXXX BUT I HAVE a XXXX ; I provided my identity - a XXXX driver 's license and I authorized a credit search ; I have never had credit problems I got a letter dated XXXX XXXX saying I can not get a Macy 's XXXX card but only a Macy 's card as I am not a resident of the XXXX I feel discriminated based on my national origin ; I have a XXXX American credit card and XXXX XXXX XXXX credit cards issued respectively by the XXXX and XXXX
Consumer complaint received 2015-09-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

There is an account opened on my credit report that I did not open. I have just recently been released from incarceration year XXXX. The Day of my incarceration was XX/XX/XXXX. The account was opened during my arrest : Last Reported XX/XX/XXXXCreditor Name CERTEGYAccount Type Returned CheckAccount Status OpenOpened Date XX/XX/XXXXClosed Date -- Limit -- Term -- Monthly Payment -- Responsibility Individual Account. 
Balance $ XXXXHighest Balance -- Payment Status Collection/Charge-OffWorst Payment Status -- Date of Last Payment -- Amount Past Due $ XXXXTimes 30/60/90 Days Late XXXXRemarks Charged off account
Consumer complaint received 2015-04-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/2015 I noticed XXXX unauthorized ACH transactions from a company named XXXX PRO XXXX for {$1200.00} ( XX/XX/2015 ) and {$1800.00} ( XX/XX/2015 ) debiting my business account # XXXX ( closed ) with TD Bank. I contacted my bank immediately to request a refund and days later received a letter from TD Bank stating that the refunds requested were denied. I have not done any business with XXXX ever but nevertheless I contacted them and tried to explain their mistake but instead got the run around. I have more details if necessary. I have nowhere else to turn and I am hopeful that your agency may help me recover the lost funds.
Consumer complaint received 2016-02-21
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Advantage Financial Service LLC (Idaho) (MT)

Left message not identifying themselves or where they were calling from. Messages just said " this is XXXX call me back '' When I called and spoke with a supervisor she yelled at me. The bills were for preventive care that should have been covered by my insurance I had no idea I owed anyone any money.
Consumer complaint received 2015-05-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION (VA)

I submmited a fully document Request for a Loan Modification with mortgage company M & T Mortgage XXXX Investor XXXX XXXX XXXX to reduce my mortgage payment ; instead to consider my case for a HAMP review, they approved me for a Streamline Loan Mod that reduced my mortgage payment to 43 % of my monthly gross income ( {$2200.00} ). Also they decided to charge me {$980.00} modification fees.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have been requesting all three credit reporting bureaus to Delete the following Names, Addresses and Employers from my credit report since XX/XX/XXXX and since then all three credit bureaus have failed to honor my requests without any form of correspondence. I am listing the Names, Addresses & Employers needing to be DELETED below. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BBVA FINANCIAL CORPORATION (TX)

On XX/XX/2016 XXXX XXXX from XXXX XXXX in XXXX, Texas with a phone number of XXXX closed my CHECKING account XXXX days before HE KNEW my automatic deposit would be arriving because I had this account since XX/XX/2016 when I opened it up at XXXX XXXX XXXX, XXXX, Texas XXXX with XXXX XXXX # XXXX under account number XXXX ; XXXX XXXX or XXXX XXXX then accepted my funds of {$2000.00} XXXX & then DID NOT return them to the issuing financial facility until 10 days later BUT suggested I stop by XXXX XXXX in XXXX, Texas to see if I could pick up the cash from this location when I was IN XXXX, Texas XXXX XXXX, Texas at XXXX XXXX XXXX XXXX Washington, Texas XXXX ( XXXX ) where XXXX & XXXX were tellers & so nice as well as XXXX plus to my knowledge I have never met XXXX XXXX or XXXX XXXX because I only stopped by XXXX, Texas bank on a handful of occasions & used the DRIVE-THRU because I was headed to Washington or XXXX, Texas to see family
Consumer complaint received 2016-06-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Professional Finance Company, Inc. (TX)

Went to a XXXX shop for a XXXX test. Gave my insurance info and requested an upfront statement of charges. Based on this charge statement and my health insurance info ( I work XXXX so I understand the billing guidelines, etc. ) I paid the full amount I owed including meeting my deductible. Several weeks after service, I received a bill for an additional {$310.00}, which I disputed with the creditor. After no response from them, I have now been repeatedly contacted by a collection agency who has since included this collection on all XXXX of my credit reports, even following my report to them that they were attempting to collect a fraudulent debt. 

This is hurting my credit score and I have no recourse other than filing this complaint.
Consumer complaint received 2015-08-29
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Blackhawk Network Holdings Inc. (OH)

I NOTIFIED PAYPOWER IN REGARDS TO A FRAUD/SCAM. THE COMPANY RECEIVED MY CARD NUMBER BECAUSE I WAS TOLD THAT IT WAS NEEDED INORDER TO PROCEED WITH A ORDER TO HAVE SOME PAPERS COMPLETED/TYPED AND PREPARED FOR SCHOOL.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been requesting all three credit reporting bureaus to Delete the following Names, Addresses and Employers from my credit report since XX/XX/XXXX and since then all three credit bureaus have failed to honor my requests without any form of correspondence. I am listing the Names, Addresses & Employers needing to be DELETED below. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2015-08-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: First Associates Loan Servicing LLC (NJ)

This complaint is about First Associates : XXXX which company is responsible for receiving the payments for my loan for school, University XXXX . The complaints are as follows:1. The company does not offer me visibility to the daily debits and credits to my loan account. All transactions are lumped into a few lines in each of my monthly statements. 
2. The company has severally made errors in computations on my account, the latest of which is that a payment of {$1200.00} which I made to the account was not recorded in the relevant statement ( see attachments ). I can provide additional example of errors made in the past on my account on request.
Consumer complaint received 2015-11-24
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Mark A. Kirkorsky, PC (OH)

Company contacted my wife and my mother and released information to them in regards to a student loan I have with XXXX XXXX. They contacted me and left me a voicemail as well stating they have contacted my girlfriend and my mother and that they are n't " playing games '' with me and that I needed to contact them as soon as possible before they file legal suit against me. Then my wife sent them an email asking for more time and the email she got back from them was completely out of line. This is what the email said " This is exactly why we do not do voluntary payments arrangements. I gave you a gift to pay {$50.00} per month, and the very first payment, you do not mail it. This is to be paid absolutely, positively ever month. Just like your rent. Your landlord is not concerned with medical bills and everyone with children deals with them being sick. But you still get the payment in no matter what. You owe our client {$3500.00}. I was trying to help you to accept your offer. Shame on me thinking you would do it. '' I am not happy with the way they are communicating with, XXXX and my wife. I do not know what to do. We are willing to pay but the service we are receiving is beyond me and comes off as harassing.
Consumer complaint received 2016-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I HAVE ALOT OF INQUIRIES ON REPORT THAT ARE NOT MINES NOR DID I AUTHORIZE. I HAVE also submitted XXXX for user accounts still on credit report. I ALSO HAVE SUBMITTED FTC ID REPORT FOR ITEMS THAT SHOULD BE DELETED. 

XXXX XXXX ACCOUNT SHOULD BE DELETED AS WELL SINCE COMPANY SOLD MY AGREEMENT.
Consumer complaint received 2018-03-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (IL)

I have contacted All major credit bureaus on the false information listed on my credit file regarding this company. I have no knowledge of the amount {$60000.00} this company is saying I owe. Also there are two separate accounts showing as duplicates on my credit report which are closed and and paid showing negatively. I never opened any accounts with this company on XX/XX/2016. There are multiple errors that this company is reporting on an alleged account. This and all information must be removed from all my credit files.
Consumer complaint received 2015-12-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

I am submitting a complaint about Ocwen 's recent handling of my upcoming foreclosure auction sale that has been scheduled for this Monday XXXX XXXX, 2015. I was lead to believe that the sale date would be postponed until I could gather the funds required for my mortgage reinstatement. Unfortunately today I found out that the sale date had been reinstated without notifying me. I actually found out about the resumption of the sale date from a foreclosure website alert rather than even receiving a courtesy return phone call from XXXX XXXX who I had just called on Wednesday asking for an update on my postponement status. Proper protocol has been circumvented and my homeowner 's rights have been abrogated illegally.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

According to US 1691 c ( 1 ) without my written consent that is considered identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-28
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. (MI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX  XXXX, MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$17000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$8300.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$24000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2018-03-17
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. (NY)

Experian 's website claims you can temporarily lift a security freeze either by phone or online. I have a pin, yet when I tried to lift the freeze online I was sent to a page that told me I had to do it by mail. When I called the number that was provided to lift a freeze, I was told I had to do it by mail. I have a small window that I need this freeze removed and doing this by mail will not work for me. I'm trying to be pro-active in protecting my identity, yet this company is making it impossible for me to be in charge of my own information. There is no phone number to be able to call to speak to someone in person.
Consumer complaint received 2016-03-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Dynamic Recovery Solutions, LLC (WA)

I have fines owed to XXXX county and they were turned over to Dynamic collections and now my wages are being dramatically garnished with no care that I am a single father with XXXX children. I received no notice and only recieved a document of who was garnishing my wages 3-5 days later
Consumer complaint received 2022-02-12
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. (TX)

I am a consumer who spoke with XXXX on XXXX XXXX in XXXX, Texas Fraud Department who asked for me to provide a copy of my XXXX report in order to have fraudulent information blocked and deleted within XXXX business days. Here is a copy of the XXXX  attached thanks.
Consumer complaint received 2016-04-11
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Atlantic Credit & Finance, Inc. (NJ)

The original debt was filed as a judgment in XX/XX/XXXX, the statute of limitations on this debt has expired according to NJ state law. I just found out they are utilizing a third party XXXX, XXXX, XXXX who has refiled this judgment as a State Tax XXXX with the Plaintiff as State of New Jersey not as Atlantic Credit. Spoke to XXXX County Special Civil Law Division ( XXXX/XXXX/XXXX ) ext. XXXX, they verified that it is Atlantic Credit but as you will note they did not file it as such, it is filed as State of NJ, State Tax Lien. I contacted ( XXXX/XXXX/XXXX ) XXXX XXXX for an explanation and verification as have not received a response as of yet.
Consumer complaint received 2016-04-28
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IL)

On XXXX/XXXX/2016, I was contacted by someone trying to pose as XXXX, which is a legitimate company. They reached out via email to me and stated that they would send me a check for {$1700.00} which I was to deposit and and use for when I acted as a mystery shopper ( I have all of the email and text correspondence saved and can be submitted at your request ). ON XXXX/XXXX/2016, via USPS priority express 2-day mail, they sent me instructions on my role as a mystery shopper and a check for {$1700.00} ( I have the check, both in hard copy and electronic form that can be submitted ). The postage account was to a company called XXXX LLC with permit XXXX XXXX. They tried to cut off the return address but it is labeled as " XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX-which is the address for the XXXX. I deposited the check into my bank account on XXXX. Due to my concern that this was a scam, I did not proceed until I saw the money in my bank account, which occurred on XXXX. On XXXX, I went to the Walmart on XXXX XXXX XXXX, XXXX IL to send {$1400.00} to XXXX XXXX, in XXXX TX, XXXX via MoneyGram. The reference number is XXXX. On XXXX, I was notified by my bank that the check was not real. I contacted Moneygram but the money had already been received. I spoke with my bank but they were unable to stop the payment or retrieve the money since it had already been distributed.
Consumer complaint received 2015-05-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAVALRY INVESTMENTS, LLC (MD)

Portfolio is reporting errors on my account from Portfolio for the amount of XXXXXXXXThey have refused to delete the wrong information or give proof it is mine. They are reporting it on XXXX and XXXX.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$480.00}. 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 2022-02-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Hi, the problem with this mortgage services is that even paying the mortgage, also the home Insurance, the mortgage company refused to pay the damages on the house caused for a water leak, this incident is already reported to the XXXXXXXX city water services and the water service is cut off. Mortgage XXXX # XXXX. 
The water leak was reported on the first week of XX/XX/2022, the incident was reported to the water services and Carringtonm mortgage services LLC.

I WILL NOT RECOMED THIS MORTGAGE COMPANY SERVICES FOR FUTURE HOME BUYERS.
Consumer complaint received 2019-02-25
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: EQUIFAX, INC. (FL)

From my credit report from Equifax and XXXX there is credit inquiries that I did not make. XXXX XXXX on XXXX XXXX saw XXXX as well. Equifax has inquiries from XXXX XXXX credit Card XXXX Also XXXX XXXX. I did not make these inquiries. Please take them off
Consumer complaint received 2016-05-04
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery Associates bought a debt from XXXX XXXX XXXX. They have called my work number and stated that a person was at my home and I had better have a payment for them or they were going to garnish my wages. They continue calling all of my telephones, which is a {$1500.00} fine per call in the State of Florida. They are also trying to collect on credit card debt that is over 5 years old. I 'm about to contact an attorney to stop their harassment.
Consumer complaint received 2015-10-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: I.Q. DATA INTERNATIONAL, INC. (AZ)

They refuse to make an arrangement with me. 
They will not discuss other options to help me get this paid. 
They assume i can only pay XXXX a month when we have not went over a budget. 
They are very rude by telling me they cant help me and more than XXXX occasion hung up on me. 
XXXX told me several times she will not work with me and she will not take my payments. 
XXXX told me to send in my payments. 
They have bad communication skills. 
They treat me badly when I just want to pay my debt.
Consumer complaint received 2016-01-04
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On or around XXXX/XXXX/14 XXXX XXXX XXXX. sent me my last dispursement check from my Escrow Disbursement account, to finish my repairs on my house from Hurricane XXXX. I NEVER RECEIVED THE CHECK. I called XXXX three times on or around XXXX/XXXX/14 - XXXX/XXXX/14. first time I asked when the check was coming, they said give it more time it is in transit. Second time I called them I told them I did not recieve my check and they should stop payment. Their response was " give it more time ''. Third time I called them, I told them I still have not received the check and for them to definitely stop payment. Their response was, the check has been cashed and that I needed to go to XXXX XXXX XXXX and request a fraudulent claim form. I told them that it was their job, being that the check was not from my account. ALL OF THIS IS ON THEIR PHONE RECORDINGS OF ALL OUR CONVERSATIONS. I asked that they send me a copy of the check, it took XXXX approximately eight months plus numerous phone calls, to get me a copy of the cashed check. Their explanation of the delay was that they were transferring their insurance loss department to a new location in Texas and all paper work was in transit. Finally, I received a copy of the cashed check and as you can see my signature is not present and nor did I give any authorization to cash this check. I filled out the necessary paperwork to the best of my ability to get this matter resolved, which I will attach. All three banks refuse to take responsibility. 
I believe Capital One is at fault mostly for not following proper procedures and taking and opening an account with an improperly endorsed check. 
XXXX XXXX XXXX also did not follow proper banking procedures because they did not check the endorsements and released the funds anyway to Capital One. 
XXXX is also at fault for not stopping payment when requested and simply not taking any responsibility or helping to resolve this situation in a timely manner.