davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Jim Bottin Enterprises, Inc (NY)

I pulled a credit report and noticed a collection account. It is an amount of 120 dollars. I reached out via certified mail in an attempt to verify debt and even settle since it was a small amount. XXXX XXXX XXXX will not answer me with any information about debt and unfortunately I can barely understand their customer service when speaking over the phone with them. 

Back in XX/XX/XXXX spoke numerous times to XXXX XXXX. Informed me only XXXX could help me. So after numerous attempts in XX/XX/XXXX turned my XXXX in to XXXX as I was unable to reach XXXX.I have been charged up until XX/XX/XXXX. Even abc financial called me to get my new card security info, XXXX numbers on back of card, which I never gave out but they worked around that as I never gave consent to debit my new credit card. 
Emailed XX/XX/XXXX via online " email my club '' link asking for membership and contract info identifying myself. That email wentunanswered. 

XX/XX/XXXX called XXXX spoke with XXXX who tried to call the XXXX branch but like usual no one was in. XXXX said she would call me back when she heard back but would not give me her extension or direct line to reach her. She never called me back. Several calls later all with no answers I had to cancel credit/debit cards and get new account. Since then it appear as if penalty fees have been assessed. 
The cancellation letter and the amount to collect do not even match.
Consumer complaint received 2022-02-07
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: NQM Funding, LLC (MO)

I received a call on XX/XX/XXXX. It was from someone who helps veterans stay up to date on changes in benefits. In this case, a man asked me if I was aware of some new legislation regarding VA loans, and he asked if I was interested in learning more about refinancing. I've already refinanced recently but I thought I'd humor them anyhow since information wouldn't hurt. He directed me to XXXX XXXX ( XXXX XXXX, CA ), where I believe I talked with XXXX XXXX ( XXXX ) -- I think I was redirected through the call I was with him on ; XXXX XXXX XXXX number is XXXX. She collected information from me. I also talked to a man on XX/XX/XXXX ; I believe he was " XXXX '' ( XXXX ) a manager according to XXXX -- though the number the call came from was XXXX. At no point in either conversation did I explicitly consent to a hard inquiry. I wasn't under the impression that they were going to do that. Yet, on XX/XX/XXXX, I checked my credit report and found an inquiry dated XX/XX/XXXX from " NP INC '', an entirely unfamiliar entity. I talked to XXXX again a few times ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). She was helpful and eventually directed me to XXXX for assistance. I called him twice that week ( XX/XX/XXXX and XX/XX/XXXX ) and left a message. He never returned it. I tried contacting the bureaus and filing disputes, but it didn't work. The inquiry is still there, and I still want it gone. Furthermore, they also did a hard inquiry on my wife 's credit report. She wants that removed as well.
Consumer complaint received 2021-05-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (PA)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2015-11-25
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (OH)

it has become clear that MCM is in the business of fraud, deceit, deception and prima facea criminal activity. MCM has averred that my husband of 29 years are not married. MCM has sent numerous statements to addresses at which we have never lived. MCM has relentlessly hounded my XXXX year old mother-in-law with phone calls that sent her into a state of sever mental distress. MCM has consistently bargained at a level far below bad faith. to be quite frank it would have been far more pleasurable to deal with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2015-04-09
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I was contacted by XXXX XXXX XXXX and they continued to give me a different money amount for my final settlement. I was never provided a signed copy of my judgement, signed by the judge, In addition, since I have paid off the final amount, they never sent me, after I called them many time, with a clearance letter. I dealt with XXXX XXXX and XXXX XXXX in their XXXX office.
Consumer complaint received 2015-08-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (FL)

In XXXX of this year a garnishment was placed on my bank account for a debt owed by my mother instead of me. Her name was on the account, but only for the purpose of emergencies in case I ended up ill or heaven forbid in an accident. The collection agency Midland Credit Management XXXX Midland Funding LLC placed the garnishment immediately after it was granted by the XXXX XXXX XXXX XXXX here in XXXX. I immediately went to the courthouse on the next available business day and filed an emergency motion for a hearing because the money in the account was an entire paycheck and I need that money for bills and my car payment. It took them almost a month before I could see the judge which was on XXXX XXXX of this year. 

We attended the hearing with XXXX XXXX and after speaking with my mother and myself, showing them bank statements and pay check stubs from my account, the judge as well as the representative from the collections agency agreed to lift the garnishment from all three accounts, two of which were my mother and father 's. The judge even instructed the representative to expedite the paperwork to get the garnishments lifted as soon as possible. Since then, we have called the judge 's secretary as well as made multiple attempts to contact the collections agency who continues to brush us off and tell us that they have n't mailed the paperwork yet. 

It is now three months later, XXXX XXXX, and the garnishments are still on the accounts and I have not only incurred multiple late fees and overdraft fees due to this inconvenience and stressful situation, but I have also incurred other charges such as the filing charge for the emergency motion for a hearing as well as the stress of having to continually hound them to lift the garnishment. I am at my wits end. I have sent the Attorney General of the XXXX and the Attorney General of the XXXX where Midland Credit Management resides a complaint. I have also sent an email to both the lawyer on their case as well as to the Chief Compliance Officer at Midland Credit Management and I am still waiting to hear anything back. I mailed a letter to both the lawyer and Midland asking for them to please file the paperwork and lift the garnishment. 

I sincerely need help here because I feel so lost and hopeless, like I ca n't do anything about this situation and I am about to be out an entire paycheck of hard earned money that I need to help my family. This debt is not mine. I should not be held liable for that debt and the monies in that account should be returned to me. PLEASE help me. I seriously need someone who can get them to do what they were legally bound to do by the Judge on XXXX XXXX this year.
Consumer complaint received 2019-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (FL)

I bank with Navy Federal and my payroll direct deposit has not shown up in my account this morning. It has been reported that there are others experiencing the same issue. My wife actually had the same issue happen to her with Navy Federal a month or two ago. Navy federal has released a statement this morning saying that the funds are there but that we just can not see the deposits. That is not true ; the funds are not available. Their contact phone number is not working currently.
Consumer complaint received 2016-04-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: TRANSWORLD SYSTEMS INC (CA)

I received a call today XXXX XXXX, 2016 from Transworld Systems , Inc from agent XXXX XXXX claiming I have XXXX outstanding Federal Student loans in their office and I must set up a payment plan with them. I explained to him that the only XXXX federal student loans I have outstanding are with NAVIENT and I am currently making payments to them on a monthly basis. The agent stated that I may be right about giving payments to XXXX but that I still have XXXX other Federal Student loans delinquent in their office. I am very confused about this and it concerns me, as it is not reporting on my credit report. The only student loan reporting on my credit is from XXXX. I would like to receive some assistance to get to the bottom of this, as this may be a fraudulent claim.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have noticed some unauthorized and fraudulent inquiries on my report that i need removed immediately. 
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 The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I sent a letter to Transunion, and XXXX on XX/XX/2023. Cfpb case number ( XXXX XXXX ) ( Transunion XXXX ) XXXX been well over 30 days and still have not received anything back from Transunion and XXXX. According to XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute. This is a violation of my rights. This collection in my account is not mine and its causing me time and money lost. Due to being in the process of purchasing a home. I understand I have up to {$1000.00} for damages this account is reporting. 
Otherwise, have XXXX XXXX XXXX XXXX  ( XXXX ) removed immediately.
Consumer complaint received 2016-02-29
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC. (KY)

Several years ago I had taken out a credit card through XXXX ( XXXX ). I fell on hard financial times and was unable to pay off the debt. I made payments of {$50.00} when I could but was still not enough and they sent it to collections. After XXXX other companies had the debt ( which I did not know about ) midland credit management picked up the debt. I 've attempted to work with them for the past month and have continuously spoke to a woman named XXXX. After realizing she was unwilling to help or answer any questions I had I requested to speak with her supervisor. A woman named XXXX ( who I believe is still XXXX/same voice ) begins telling me that they can no longer work with me because I have failed to make any attempt to solve the debt which is not true. I explained everything to her and nothing was said other than I can solve this debt today or I will be sued over this. They are rude and have tried bullying me for the last month. What do I do? 
I 've done some research on MCM and they are currently in a lawsuit for similar situation.
Consumer complaint received 2017-02-14
Product: Credit card — 
Issue: Billing disputes — 
Company: FIRST NATIONAL BANK OF OMAHA (WY)

My complaint is against First National Bank Omaha. They have not sent me a statement in 3 months and have blocked my access to my online account. My username & password do not work & wo n't let me set up a new one. I have sent a payment, they claim they did not receive it. There was a {$500.00} credit to my account, and I can not find out if it is in my account or not because I ca n't see my account. they are pulling payments out of my account.
Consumer complaint received 2015-10-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (CO)

I filed a complaint through cfpb on XXXX XXXX, 2015 about a debt that did n't belong to me for XXXX XXXX that XXXX XXXX XXXX was collecting on. 

At the time, there were XXXX accounts that were affecting me and we reached an agreement that I would pay off XXXX account and XXXX XXXX XXXX would remove the XXXX account from my credit report and consider it resolved. 

XXXX XXXX XXXX followed through with what they said and removed the account from my credit report, but that account has apparently now been sold to another collections company ( EOS CCA ) who has put the account back on to my credit and started collection attempts on the account that was supposed to be resolved. 

The case number that was created before is XXXX and has a related case number of XXXX. The XXXX century link account numbers are XXXX and XXXX. Account XXXX is the account that was removed and apparently re-sold to another collections company. Account number XXXX is the one that I paid. 

I have attached a copy of the accepted complaint from the original company.
Consumer complaint received 2016-01-17
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NH)

I have received numerous calls from different numbers with callers identifying themselves as from " the litigation department '' of Portfolio Recovery Associates. Callers state that they are collecting on behalf of XXXX XXXX. Callers state that they have a XXXX time settlement offer to avoid further action which I have interpreted as a lawsuit since they are calling from the " litigation department ''. I have asked both verbally and in writing for proof of debt and I have been told that they have provided it. When I asked for date ( s ) or conveyance of how it was sent I am told I am stalling and I need to settle the debt. As of the time of complaint, I have received NO proof or verification of debt from Portfolio Recovery, only demands for payment. As of this date, Portfolio Recovery appears on all three of my credit reports. I have disputed this debt with the credit bureaus. In addition, there is no mention of any derogatory account from XXXX XXXX on any of my credit reports. I currently have XXXX active and open positive accounts from XXXX XXXX with no derogatory marks.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the fair credit reporting Everything has to be 100 % accurate on my report. 

Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I have the right to a proper investigation. 

15 USC 1681 section 602 A. States that I have the right to privacy.

15 USC 1681 604 A. section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

This is grounds for removal and my rights have been violated.
Consumer complaint received 2022-08-15
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. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2021-06-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

They claim that I took out a MasterCard with HSBC, which is now XXXX in 2013 and make charges but never made any payments on it. I never took out a credit card with this company. 

Today called me at work XXXX XXXX XXXX said that they if I couldnt pay {$600.00} today they would serve me in 10 days and see me in court. 

I asked them to send me documents so that I can see these charges they sent documents to 2 addresses that I havent lived at in years.
Consumer complaint received 2016-06-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have multiple debts that I ca n't pay. On XXXX below poverty level. 
get 10-15 calls a day from many # 's Some have claimed to be from IRS ( checked # 's ) reported as scams from reverse look up. Now I do n't answer phone, in past I 've tried to explain my financial situation to no avail ... they keep calling, I ca n't pay. I 'm ill w/ multiple health issues. Takes every cent that I have to survive. If I could I 'd pay. Some debts are very old? Is there anything I can do to stop these calls? Please help. Have tried to block # 's, they just use different phones
Consumer complaint received 2015-10-23
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (FL)

My direct deposit has not posted and it was sent to Rushcard 3 days ago, my water has been turned off, my phone is going to be turned off, we have no food for the week end, I have XXXX children and a XXXX mother, Rush card system update was more of a Downgrade. 

I have no money and now everything is becoming late with additional late fees added.
Consumer complaint received 2022-08-15
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rent Recovery Solutions (NC)

Rent recovery is breaking the law by reporting false and malicious data on my credit report and have told me they work for the government and I have to pay this bogus collection or go to jail. 

I Would like an investigation so rent recovery can be charged for false, malicious, and continue to, on going false reporting of the collection entry by save green storage on my credit report. 

Please open a criminal investigation and you will see the evidence on the attached documents. 

I will continue to dispute and ultimately see are going to sue rent recovery, a known company for deceptive practices and the evidence is amounting.
Consumer complaint received 2020-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2014 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2015-10-19
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (CA)

On XXXX XXXX I activated my visa rush card. I was due for a payment from my employer on XXXX. I checked with my employer and they informed me that the money was sent to my account at XXXX night. When I called to check my balance on my rush card it says my card is inactive. I called the rush people and they explained to me that they were having computer issues and they would have my card active in XXXX hours and assured me my money would be there. Since then I have called everyday and I am not able to speak to a customer service rep my card is still inactive and I am unable to get my money. I was also promised an email and still have not heard anything.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized XXXX XXXX, XXXX XXXX