davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (SC)

Received a phone call from XXXX XXXX XXXX they said that I owed Wachovia Bank {$2900.00}. I asked how is that possible when I had an account with XXXX XXXX XXXX  the young lady said Well if you dont pay this we will garnish your bank account take your car and your property if we have too I asked if she could send me something in writing she informed me after being rude and burped in my ear Well that will be after the judgement has been set against you I want to know if this is a legitimate company of lawyers or not?
Consumer complaint received 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind.
Consumer complaint received 2024-02-08
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. (IN)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
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)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Account in TransUnion passed on that should be Block. It has been drawn out into the open that TRANSUNION is not hindering record when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that TRANSUNION decide to not obstruct the accompanying things recorded beneath which is answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This account is deleted from other Bureaus. Please remove this account pursuant to section 605b of the FCRA : XXXX XXXX Balance {$0.00}
Consumer complaint received 2024-02-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I am writing to formally lodge a complaint regarding the recent closure of my account with Bank of America without prior notice, and the subsequent holding of my funds without a clear timeframe for release. This situation has caused significant distress and inconvenience for me, as I am currently in dire need of accessing my funds. 

On XX/XX/2024, I discovered that my account with Bank of America had been closed without any prior notification or explanation provided by the bank. Upon contacting Bank of America 's customer service, I was informed that my funds were under review and that there is no definitive timeframe for their release. Despite numerous attempts to seek clarification and resolution, I have been met with vague responses and no concrete steps toward resolving the issue. 

It has now been more than a month since my account was closed, and I am still unable to access my funds. This has caused severe financial hardship for me, as I rely on these funds for essential expenses and financial obligations. The lack of transparency and communication from Bank of America regarding the status of my funds is unacceptable and has only added to my frustration and anxiety. 

I urge Bank of America to promptly address this matter and provide me with a clear explanation for the closure of my account and the continued hold on my funds. I expect a timely resolution that allows me to regain access to my funds without further delay. 

I appreciate your prompt attention to this matter and request that you provide me with updates on the progress of resolving this issue. Failure to address this complaint satisfactorily may result in further action being taken.
Consumer complaint received 2015-10-26
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: CNG FINANCIAL CORPORATION (OH)

XXXX. Called about an old payday loan. It 's long since been written off. They called me, did n't disclose it was a debt collection call. I had to ask four times what it was about. They claimed is was a bounced check. Another 4 times until they said it was for Check n Go. I hung up on him. Immediately called me back. I hung up again. Then they sent me an unsolicited email.
Consumer complaint received 2015-04-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

Agreed settled amount was {$3300.00} per agreement letter provided XX/XX/XXXXOriginal collection date : XX/XX/XXXXAttempts to resolve : In XX/XX/XXXX I hired a lawyer to contact collection agency IQ Data International because they refused to accept my attempts of payment offers. When I would call they would insult me by calling me ignorant and stupid and hang-up on me. Once I hired the lawyer they made attempts to arrange a payment but I was informed IQ Data did not want to agree on any payment arrangement. Instead they would only state that they would garnish my wages if I did not pay a total of {$4600.00} in a lump sum. They would not provide payment options and only wanted a bank card number to collect full payment. 
In XX/XX/XXXX I received notice that they secured a judgment against t me and again the law office began contacting them for payment arrangements and again they refused every offer attempted always threatening that if balance in full was not paid they would garnish my wages. 
Finally after over XXXX emails with my lawyers and a number of calls on my behalf XXXX XXXX from IQ Data International sent my lawyer 's office a letter with a payment arrangement for a settled amount of {$3300.00} - I agreed to initial deposit of {$1500.00} and 9 monthly payments of {$200.00} on the XXXX of every month beginning XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. This is clearly stated on the letter IQ Data provided my laywer. 
When I called to make the initial deposit of {$1500.00} they took my deposit via my bank credit card as this was according to XXXX XXXX from IQ Data the only method they could accept payment. XXXX XXXX stated my card would be charged {$200.00} as noted on the agreement and then an additional 3 months of payments with the last month a payment of {$240.00}. 
I explained this was not on the agreement. He stated he did not have room to add this to the letter he provided and threatened me by saying if I did not agree to the additional charge my deposit of {$1500.00} was going to be refunded and he was going to proceed with a garnishment, then hung-up the phone on me. Even after being very reluctant to use my personal credit card due to fear of this company 's bad practice and many bad review and fraud, I provided my bank information. 
I called my lawyer 's office explained the situation and informed my lawyer I was going to file a complaint against IQ Data International and I wanted to fight the charges that they keep adding to the balance. 

XXXX emailed me and my lawyer and said we had a conversation with me but that is not correct he now wants to charge me more than the agreed amount. I am attaching his email as proof to you. 

I, through my attorney since XX/XX/XXXX have been working on correcting any bad outstanding debt caused by a custody battle that I was involve with in XX/XX/XXXX. This is the only company that refuses to provide a proper agreement for payment.
Consumer complaint received 2021-02-24
Product: Credit card or prepaid card — Store credit 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: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX, a collection for the amount of {$360.00} was sent to Experian agency due to a late payment from XXXX XXXX. The amount for this collection is inaccurate, and should be removed immediately. 

I have had this account for over five years and have never missed a payment. On XX/XX/XXXX a payment was made and posted. There was a stop payment attached to the card that the creditor was pulling from, so when the debt was being pulled the payment didnt go through. Once I became aware that my payment was late, I immediately paid the entire balance of {$360.00}, which is inaccurate to what was reported to Experian, so I would like for this late payment to be removed. 

I've notified XXXXXXXX XXXX and Experian several times and have sent letters to them as well and nothing has been resolved although the information reported is inaccurate and I have shown goodwill by paying over the amount that was reported, immediately.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TRANSUNION is furnishing accounts on my consumer report that is a result of an alleged identity theft. The accounts are information that does not relate to any transaction by myself, and I did not benefit from the transactions. I sent TRANSUNION written correspondence which included my proof of identity, an identity theft report, identification of such information, and a statement as the law requires. They are required to block and delete these accounts within XXXX business days of receiving my notice.
Consumer complaint received 2021-05-19
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)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.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. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2016-12-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (IL)

CitiMortgage consistently gave incorrect information regarding the loan modification process. Each representative gave different information. I talked to XXXX. They also discouraged me from updating financial information and tried to discourage me from appealing and from reapplying for a modification
Consumer complaint received 2021-11-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (GA)

As of XX/XX/2021, there is a debt collection for the amount {$380.00} from XXXX. on my credit report that I was not notified of. The alleged debt account was handed over to CCS Collections on XX/XX/XXXX from the original creditor. I never received a letter from CCS Collections, which was supposed to happen 5 days after initial contact/date the account was handed over. Thus, I was never given the opportunity to dispute/have said alleged debt validated. This is a direct violation of the FDCPA due to each individual having the chance to validate or dispute whether a debt belongs to that person or not. In fact, debt collector must provide a letter that states information about said debt and that an individual has 30 days to mail a debt validation letter before the collector " assumes '' the debt belongs to the person. A Debt Collector can not just slap a debt on someone's credit report without the individual knowing and being able to dispute/validate said alleged debt. I was not given that chance. Fast forward to XX/XX/2021, I filed a dispute with XXXX about this invalid debt. On XX/XX/2021, XXXX notifies me of the results of the investigation. According to CCS Collections, they VERIFIED, NOT VALIDATED, the debt. Who did they verify this debt with? What information was used? This is a potential HIPPA Violation, that is, if they possess personal medical records/information that is outside of HIPPA 's guidelines, and used that along with whatever else documents in their possession to " verify, '' this invalid debt. Also, I am not aware if CCS Collections is even allowed to collect this invalid debt. Under the guidelines of the FDCPA, the collection agency in question must be the correct agency collecting on this debt. If not, they can not pursue collections, and the debt must be removed from consumers credit report. Did CCS Collections mail me a written agreement between them and the original creditor? No. So, how do I know that they are able to collect on/report this invalid debt? I do not. Again, I never received a letter from CCS Collections, surrounding this alleged debt, nor was I given the chance to send them a debt validation letter, which I have every right to, according to FDCPA. Last, CCS Collections should only contact me via letter.
Consumer complaint received 2020-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

Hi I accepted the offer with the citi XXXX XXXX and was charged a {$550.00} annual fee. That fee covered admirals club along with other benefits from XXXX. All of those benefits stopped or were significantly reduced. I asked for a portion of the fee to be credited and citi said they could only do this if I renewed. But the harm has already been done. They refused to issue a credit. Please help.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-02-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc. (MS)

I recently have been taking steps to build my credit with XXXX XXXX. I was informed of 3 or 4 accounts opened in my name beginning in 2017. I did not do this. I disputed the information and the companies still say the information is correct. I have 2 people in mind that I know could have done this. I have included the copies of the XXXX  report. All accounts except for the XXXX account is fraudulent. If you look at the dates these were all opened very close to each other. I dont know of any other way to prove it wasnt me. I need help.
Consumer complaint received 2024-02-08
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. (IN)

I have been a victim of identity theft. 

In accordance with the Fair Credit Reporting Act, XXXX, Transunion and XXXX has violated my rights. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.SC 1681 section 602 A. States I have the right to privacy. 15 U.SC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681a 5 Section States : no consumer reporting agency may make any of the following items of information or any other adverse item of information, other than records of crimes or convictions which antedates the report by more than seven years. 15 U.S.C 1681s : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person has reasonable cause to believe that information is inaccurate.
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: EQUIFAX, INC. (MO)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} ; XXXX  XXXX Balance : {$240.00} XXXX  XXXX Balance : {$75.00} XXXX  XXXX Balance : {$3200.00} XXXX  XXXX Balance : {$3100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00}
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2021-11-03
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (OH)

Hi yes I tried contacting ally corporate about seeing if I can get 2more months extension on my XXXX XXXX XXXX. They did give me already 2prior exstentions due too financial hardship with medical bills etc. I'm hoping I can get XXXX and XXXX exstentions without the up front fees. Last exstentions they waived the up front fee because can't afford the feds. Hoping too get 2more exstentions without up front fees. The person I talked too last time told me he would check with dept manager. The manager approved my exstentions without up front fees. Manger sent me letter in mail for me too sighn which I did at that time. I should be all caught up on bills by XX/XX/XXXX. I also was diagnosed with XXXX. I'm on XXXX just going thru hardship right now. Living paycheck too paycheck. As it stands right now can't make XXXX and XXXX payment due too hardship. Again I tried calling corporate 2times no call back.
Consumer complaint received 2015-08-27
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

XXXX I received a paper application from Capital One XXXX XXXX Signature card stating that I was pre-approved. I called the company to ask whether there would be a hard credit pull. I asked this because I have excellent credit and intend to keep it that way. The phone representative guaranteed me that there would be no hard credit pull since I was pre-approved, and that would be true whether the application was via snail mail, online, or by phone. On XXXX XXXX, 2015, I applied online and received the card soon afterwards. I have always paid in full on time. After checking my credit report, I realized that Capital One had gone against its verbal promise and issued a hard credit pull. I called the company and made a complaint, requesting that the hard credit pull be removed as promised. The issue was forwarded to a representative named XXXX. He called me on XXXX stating that the company was not able to trace my phone call, that there is fine print stating a credit check will be performed on all online applications, and that Capital One would be unable to remove the credit pull. I told him that his results were unacceptable, asked him to recheck the phone records, and gave him a home phone number to check even though I believe I made the phone call from my cell phone. 
I am asking that the hard credit pull be removed and that Capital One train their representatives to avoid this situation in the future.
Consumer complaint received 2021-11-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (MN)

A XXXX XXXX tradeline appeared on my credit report for an account that was opened by my previous employer years ago for business use, and I am not responsible for the outstanding balance. This debt belongs to XXXX XXXX XXXX and should be removed from my credit report. I received a request from Diversified Adjustment Service on the same debt which I requested no further contact but still received in the mail an itemized statement that I did not request. XXXX and another collection agency has already rightfully ceased collection on this debt and Diversified Adjustment Service should do the same immediately. Please cease & desist immediately.