davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Asset Recovery Solutions, LLC (WV)

On XXXX XXXX, 2020 I received a call from Asset Recovery Solutions ( ARS ). The representative informed me that an account with a past due balance of {$520.00} was placed in their office and demanded payment. During the call, the representative informed me of the mailing address listed on the account. I advised that the address he provided is no longer my place of residence and gave my current address. The representative continued his attempts to collect the alleged debt. He acknowledged that I have the ability to pay a lower amount than what is allegedly owed and advised after placing me hold, that his manager would allow him to settle the account for {$420.00}. 

After communicating with the representative, I wanted to research my rights as a consumer as it relates to what debt collection practices are legal. I do not recall the representative stating the " XXXX '' XXXX This is an attempt to collect a debt and any information obtained will be used for that purpose. Furthermore, I have not received an initial notice letter, but I have received multiple calls from this company.
Consumer complaint received 2021-07-02
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (DE)

Wells Fargo decided to charge me XXXX  fees without an existing agreement or consent by me. They decided to pay for transaction I did not approve of, then charged me XXXX fees. I did not opt into XXXX  services with this bank. Banking is involved in predatory banking practices which are illegal.
Consumer complaint received 2017-09-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (WV)

With the security breach of Equifax, i will not sign up for their year protection due to the clause in the fine print. I want answers from Equifax instead of 'we are sorry '.
Consumer complaint received 2021-11-27
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. (MD)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2020-11-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

After two separate phone calls on XXXX and XX/XX/13 with my bank Capitol One requesting proof of a bill pay payment/check put in the mail, the bank is obviously dodging sending me this information. I was told they did not know why I have not recieved the information I requested during my first call when I was told i would receive in 48 hours. On the second call the bank supervisor could not tell me anything about my previous case other than it was on hold. All she did was open another case but refused to let me speak to the top level manager stating she was not accepting calls. I was told my check proof must be mailed and would now take be 7 to 10 business days. I have a utility bill that never recieved the payment check, past due now with late fees, of which the bank claims they sent, however seem unwilling to send me any proof and refusing me to speak with a top level manager.
Consumer complaint received 2019-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

I have tried contacting the credit bureaus on numerous occasions. The balance they are reporting on my credit reporting is different from the letter that i acutally received from the actual company. I have informed this of this and they have only sent letters back saying the information is " verified as accurate '' .i also asked that verify the account belongs to me and i was sent the letter attached instead. im hoping you can help me.
Consumer complaint received 2019-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

I have tried contacting the credit bureaus on numerous occasions. The balance they are reporting on my credit reporting is different from the letter that i acutally received from the actual company. I have informed this of this and they have only sent letters back saying the information is " verified as accurate '' .i also asked that verify the account belongs to me and i was sent the letter attached instead. im hoping you can help me.
Consumer complaint received 2017-09-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

I got a call from a company called XXXX XXXX XXXX ( Fidelity Capital Holdings ). They claimed I owed over {$1000.00} to 2 doctors. They had personal information about me but I did not owe the doctors any money. I called the hospital the doctors are associated with and they told me I did not owe any debt or have any open accounts there. I tried talking to the company to find out more information about the debt but they were extremely rude and unprofessional. They were abusive and would not give me straight answers. I asked for their profesional license number to find out if they were a legit company and they refused. They hung up on me and told me to XXXX it. When I asked them if they were real they would not answer me. I barely got any information about the debt. They did n't even want to spell the name of the doctors for me. one woman I spoke to could not speak English so I told her to speak to me in XXXX and she did at first but then would go back to English. Her enlglish was  incomprehensible and her XXXX was extremely fluent but she refused to communicate with me in XXXX. Every employee was aggressive and abusive. They would not let me talk and they would not answer my questions. I was simply returning a voicemail I received in which they identified themselves, asked for me and said that they were calling to collect a debt. From what I know about the law when it comes to collections, a voicemail is a third party and a collection agency is n't allowed to disclose or attempt to collect a debt on voicemail. They were horrible and I believe they are a scam. From reviews I read online I saw people claiming they have paid this company and did not receive any receipts or proof of payment. I want to prove this company as a scam so more innocent people are n't effected by these abusers.
Consumer complaint received 2017-12-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: N.A.R., Inc. (MT)

I got a call from XXXX on XXXX XXXX, 2017 calling about a debt somebody owed but it was n't me. I do n't know how they got my number AT ALL. I am under my parents phone bill and how they got the number is beyond me. He refused to tell me who and why he was calling me at the crack of dawn. I called back repeatedly to find out why he had my number and who he was and he refused a manager, or any information. I am on the do not call list and should not be getting these calls.
Consumer complaint received 2021-04-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC (TX)

This is a formal complaint against Rent Debt Automated Collection located in XXXX, TN. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX and XXXX. And not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Rent Debt Automated Collection has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2021-06-22
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. (CA)

There is one account on my credit report that does not belong to me this is not my account I have not used signed or authorized this account I need this removed from my credit report!!! 

XXXX  - Account # XXXX XXXX XX/XX/2020 XXXX $ {$11000.00}
Consumer complaint received 2023-04-07
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. (WI)

TransUnion has a duty to the FCRA to report correct and accurate information on my credit report and file. However, they are NOT. TransUnion is reporting 7 inaccurate late payments for the XXXX XXXX XXXX XXXX  account ending in XXXX and BXXXX XXXX XXXX XXXX XXXXcount ending in XXXX. These include 30 day late payments posted in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and a 60 day late payment posted in XX/XX/XXXX. These are inaccurate and are supposed to be reporting as PAID AS AGREED. In addition, in accordance with 15 U.S.C 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the individual making the report. A transaction constitutes these late payments resulting in TransUnion violating my federally protected consumer rights. Furthermore, I did NOT give TransUnion written instruction/permission to furnish these inaccurate late payments on my consumer report or file, which violates 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TransUnion violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2022-02-02
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. (SC)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-02-02
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. (SC)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-11-08
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. (OH)

I have an account from XXXX XXXX that is Fraudulent! I have requested that XXXX XXXX # XXXX, XXXX XXXX XXXX froward me a copy of the contract and Itemized statement. There is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. I and requesting a CREDIT BLOCK on my file from all 3 bureaus and including the supplemental credit reporting agencies. I have requested a credit block on all of my Credit information. This is my official Police report on file.
Consumer complaint received 2019-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I checked my Equifax credit report and I noticed that an old account from XXXX showed up. This account was removed a few years ago and has just showed up again. This account was discharged due to XXXX and XXXX  XXXX years ago. There is no reason that this should have been added to my report. This account is old and is incorrect.
Consumer complaint received 2017-09-15
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: US MORTGAGE CORPORATION (GA)

Contract on Property XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Ga XXXX Mortgage thru US Mortgage - XXXX XXXX XXXX for {$210000.00} 1 % earnest money put down on the property {$2000.00} XXXX XXXX XXXX told my real estate agent on XXXX XXXX, XXXX that XXXX XXXX looks great for the loan and he could close it in 20 days. This is after my agent XXXX XXXX went back to the other agent XXXX XXXX because we had originally asked for 30 days and the seller asked for 20 days hence asking the mortgage broker and he stated 20 day as you can clearly see on the Contract. 
The property in question is XXXX XXXX XXXX XXXX Ga is my rental property. The first time I put a prop under contract XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX stated he could not do because he thought it was an FHA on it, when it was a XXXXl. So XXXX stated I was good to go with the XXXX XXXX property. 
as you can see Documents were asked for and provided in a timely fashion but 3 days before closing XXXX XXXX, XXXX and days after the contingency expired i get a call from XXXX asking to get on a call from XXXX XXXX to authorize her to check payment history and balance. If this info was asked for from XXXX XXXX within the first 3 weeks of the contract and not 2 days before closing I would not have lost my {$2000.00} earnest money because US Mortgage would have found out I was late more than 2x what FHA rules are.I have asked US Mortgage for the {$2000.00} back due to their negligence. 

All this info stated above will the documents supporting everything claimed attached
Consumer complaint received 2017-09-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (MO)

My original creditor was XXXX credit card. They sent the debt to collections, Cavalry spv, I, L.L.C.,  a corporation ; they hired XXXX XXXX XXXX, who served me with court papers, suing me. I called XXXX XXXX XXXX and settled on {$650.00} to be paid before the XX/XX/XXXX court date. I paid {$400.00} by personal money order bought at my bank, XXXX XXXX XXXX on XX/XX/XXXX and mailed to XXXX XXXX XXXX. They received it XX/XX/XXXX. On XX/XX/XXXX, I bought another money order in the amount of {$250.00} and mailed it to XXXX XXXX XXXX. They received it XX/XX/XXXX. I called XXXX XXXX XXXX to make sure they received the last money order. I asked if that settled the law suit and the law suit would be dismissed. The individual I spoke with said that yes, it would be dismissed. Today, XX/XX/XXXX, I received notice from the XXXX County Circuit Clerk that I am still being sued by cavalry spv and for the same case and the new court date is XX/XX/XXXX.  XXXX XXXX XXXX records their phone calls. I need help. They lied to me. I am still going to be sued. I 've called XXXX XXXX XXXX many times this evening and left messages. They have not returned my calls. They have late evening hours. I do n't know what to do. They lied. I have no more money. I lost my second job. I ca n't pay anymore. 
What can I do? 

Thank you
Consumer complaint received 2020-05-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd (NV)

Nationwide Recovery placed debt on my credit report without giving me a chance to dispute the debt. They have also stated on my credit reports that I incurred this debt in XX/XX/2020 and this is tantamount to fraud. It seems as though they are attempting to re-age a debt. This item must be removed immediately!
Consumer complaint received 2021-01-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NJ)

I responded to a CHASE marketing promotion to open a checking account with direct deposit and a savings account with a {$15000.00} minimum deposit and followed their rules precisely. I did receive the {$200.00} deposit for the checking account and eventually the {$200.00} deposit for the savings account based on the separate coupons issued for each respectively. There is no dispute on these facts. 
There is another {$100.00} to be deposited in my accounts for doing both of the above account openings for a total benefit of {$500.00}. The date of total funding for the savings account of {$15000.00} occurred on XX/XX/XXXX. I held that some of {$15000.00} in that account until XX/XX/XXXX expecting the final {$100.00} to be paid promptly but no later than by XX/XX/XXXX. I have had to constantly contact this bank with long delays and responses from off shore call centers as well as branch bank endless unavailability to even obtain the partial results above.
Consumer complaint received 2021-04-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: OneMain Finance Corporation (GA)

I am unsure if this is the appropriate venue for this but I am a 100 % XXXX veteran trying to refinance a loan with One Main Financial and have been a customer for several years and refinanced in the past going from Secured to Unsecured. I get confused easily due to the brain damage from a XXXX blast and the financial advisor XXXX XXXX ) ( spelling incorrect ) showed in my opinion a discriminitory attitude towards me from the beginning eventually resulting in her hanging up on me during the process of giving her verbally my bank account and routing info. During these COVID times when we are discourged from going to businesses having someone who is supposed to walk us thru treat me so harshly and unjustly when I explained from the beginning of my special needs makes me scared to do business. Her superviser, XXXX XXXX? spelling ) helped me this morning with a problem XXXX could not yeaterday. Her unwillingness to be patient with someone with special needs is unacceptable and I am unsure of what agency can handle this. I am seeking guidance with how or who to make a formal complaint to. Thank you in advance for your assitance.
Consumer complaint received 2020-07-10
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. (CO)

XXXX XXXX and Transunion are listing information in my report that is not mine. I have previously disputed this, but nothing was fixed and removed. I filed an Identity Theft Report with the FTC for the accounts listed below, and inquiries listed below, and want these erroneous accounts removed asap please due to the harm it is causing my credit reports and score and financial well being. 

Erroneous accounts needing to be removed : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   Inquires needing to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consolidated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Info that needs to be deleted : Address XXXX XXXX XXXX XXXX, XXXX, UT XXXX
Consumer complaint received 2015-05-14
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC. (GA)

I set up Bill Pay with SunTrust Bank. On XXXX I tried canceling the bill pay before XXXX. It would not let me cancel. As a result my account over drafted and I was changed multiple overdrafts. Right now the fees total around XXXX. I am requesting a refund of part of the fees.
Consumer complaint received 2021-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Security Credit Services, LLC (NC)

For years this company has been reporting the account listed. They continue to post this account on my credit reports for years to make it seem as if this account was opened recently in fact that is not true. I need proof of any documents they have showing where I opened an account with them on XX/XX/2019 immediately which I have never been provided no mail or electronic communication at all that proves this accounts belongs to me, which they are also required to furnish and after multiple attempts they have not furnished any documents. 

Security credit Services Original Creditor : XXXX XXXX Amount ; {$1800.00} Date OpenedXX/XX/2019 XX/XX/XXXX/XX/XX/XXXX
Consumer complaint received 2019-06-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (VA)

TD Bank charged me 3 {$35.00} fees for {$0.00} authorizations, which should not have created a charge. They have done this before and I am tired of it. If the authorization is for XXXX, it should not generate a fee. This is not right. They continue to do this month after month. I want this stopped.