davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-02-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have written several letters over the last few months to the creditors as well as to the bureaus about lates that were reported on my credit during the pandemic, that the creditors had agreed verbally over the phone to give me a deferment on the payments due to covid. The lates are inconsistent and not correct, I have attached a screen shot of my report for you to see. 

The lates have drastically dropped my scores preventing me from getting approved for business loans and credit. 
I read about the care act listed below and am reaching out to seek your help. 

Section 4021 of the CARES Act amends the Fair Credit Report Act ( FCRA ) to address coronavirus-related accommodations made by furnishers. New FCRA 623 ( a ) ( XXXX ) ( F ) requires a furnisher making a COVID-19 related accommodation on a consumer 's loan account to report the account as current unless the account was delinquent prior to the accommodation.
Consumer complaint received 2021-02-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against COMMONWEALTH FIN. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-03-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (UT)

On XX/XX/2021 I made a {$27000.00} payment toward a new vehicle loan with US Bank. The total value of the loan was approximately {$29000.00}. 

US Bank withdrew {$27000.00} from my XXXX XXXX account TWICE, taking a total of {$54000.00} dollars. I have been in contact with US Bank at least three times a week since, and have been promised the money will be returned " in time '', and I simply have to wait. It has been three weeks, and I don't believe it is reasonable I should continue to have my funds withheld. 

Additionally, I have not received even an apology, or any indication I will be compensated for the interest I am losing on this money. However, I am continuing to to get invoices for my next monthly payment! 

I have filed a complaint with US Bank several times, each time being told someone would follow-up with me in 24-48 hours. I have never received a response. I don't believe US Bank intends to respond. 

I was originally told US Bank would return the funds last week via XXXX, and that did not happen. Supposedly a check has been issued, but it may have been placed in regular mail. US Bank clearly demonstrates it sees no urgency in returning these funds. 

I would like to receive a pay-off amount, without penalty, and close this loan. I do not wish to do business with US Bank any more.
Consumer complaint received 2021-05-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (MD)

I tried to reach out to national credit system to work out payment and also validate the death and send me any information on the account which they did not I have no contract with this company and they do not have any signatures finding any agreements with myself and them which I do not owe this money to they keep reporting is negatively monthly on my report sandwich in XXXX XXXX Ive asked to delete it and they refuse and did not validate anything when I ask for something sent to me in writing.
Consumer complaint received 2021-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I applied for an auto 2 weeks ago and was informed that I had a delinquent judgement on two of credit reporting services.

I do not have and I have not been notified of it. 
It doesnt even show the company name. 
The information is false and is hurting my ability to get any type of loan. 
Please help me resolve this Matter.
Consumer complaint received 2022-06-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I called the company to remove the remarks regarding the dispute from the portfolio recovery account. I was informed this would be removed and the update would be reflected in 72 hours. This did not happen after several phone calls over a week the information was still not removed from the account. The remark says " consumer disputes after resolution. '' I asked for this to be removed several times but it is still showing on my credit report. I received written notice in the mail and as of today, XX/XX/2022, the dispute remark is still showing.
Consumer complaint received 2020-12-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Blackhawk Network Holdings Inc. (CA)

I was a victim of international fraud through an elaborate scheme in which international scammers ( XXXX I believe ) reached out via email posing as my Director and asked me for my phone #. They texted me and I thought it was him asking a favor. I was instructed to purchase {$1000.00} worth of gift cards for me CEO which is not out of the normal for my company as far as gifts of that nature. I figured out it wasn't my director at the point of about to transmitting the funds and did not give them the info to take the funds. I attempted to return the the market, they told me to got the " XXXX '' whom the cards were purchased for. XXXX Fraud looked up who they purchased the cards from which was Blackhawk Network. I explained the scenario and just asked if they can give me my {$1000.00} back in exchange for the {$1000.00} of gift cards with fund still on it and was rejected w/o no phone call or anything but just an automated response. 

Upon my rejecting their rejection and telling them I would escalate to the XXXX/CFPB if I didn't hear from their management they reopened the case immediately and said they would continue to investigate. It has been over 10-days since my initial complaint and I have spoken to no one and been sent numerous automated emails. 

I have the funds on the card and think this should not be this complicated yet they want to take no action and hold on to fraudulent funds they are considering profit on their balance sheet.
Consumer complaint received 2023-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC. (FL)

This account been affecting me life to do better with me credit I s been five years I have try some many times and the dont do anything compay Mid alantic management. Amount XXXX this is been a issue that doesnt let me move forward on my credit
Consumer complaint received 2021-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (FL)

XX/XX/XXXX a balance of {$110.00} was paid IN FULL to the collection agency Sequium Asset Solution. When paying this account I was told that a request would be send to XXXX  and XXXX  to have the paid in full collection account deleted from my credit report. I called and spoke with many representatives that were extremely rude telling me that the account would not be deleted and that the account would still report on my credit as a derogatory collection account til XXXX. Also the last reported date XXXX  is reporting inaccurate I paid the account off XX/XX/XXXX and they are reporting XX/XX/XXXX this is inaccurate, as well as both bureaus reporting this account as a paid collection account. This account needs to be deleted off of my credit report as soon as possible or I will take legal actions to resolve this matter! 

Thank you, for your prompt response in handling this matter!
Consumer complaint received 2020-11-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (UT)

United Wholesale mortgage - XXXX is reporting a 30 day late on XX/XX/XXXX & XX/XX/XXXX and I was never late. I have had several accounts with them for a very long time, this particular mortgage I had called to set up on auto draft back in XX/XX/XXXX along with my other mortgage with these guys that I pay for my ex wife XXXX. 
I set up both accounts on auto draft over the phone with your representative. I didn't get a notice from these guys until later that I had a past due amount and that I was late, even though I had already been in contact with you guys & set this up.. Then I set it up again with you guys over the phone. I never ONE TIME in my life have got a late payment on any account. So the representative set up my one account on auto draft but the one for my house I live in didn't go through or get set up, but not due to my error. Please remove the lates off of my credit file as this wasn't my error.
Consumer complaint received 2021-12-07
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. (TX)

Hi Transunion has a 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 XXXX XXXX over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX 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 XXXX 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 homeless n cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2023-01-11
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: ALLY FINANCIAL INC. (IL)

XXXX XXXX Hey I am authorizing a complaint on my behalf I cant believe you guys are taking advantage of me I am very upset the credit bureaus have not responded to me about my investigation I sent a letter/dispute I need these accounts deleted & updated these are the items I demand to be deleted. 

I demand these accounts be deleted immediately from my credit profile if not I will file for monetary damages because you are in violation of my rights of privacy. US code 15 USC 1681n. Unauthorized inquiries
Consumer complaint received 2021-12-07
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. (WA)

XX/XX/2021, XXXX alert that Equifax received an attempted ( Attempted Bank/Credit card inquiry ) inquiry about my credit score from XXXX XXXX XXXX  ( assuming XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX. This inquiry was blocked by my, self imposed, credit lock ( XXXX Credit lock ). I called XXXX XXXX and they denied any inquiry was made about me. 
XX/XX/2021, second XXXX  alert that showed an Equifax inquiry was made from same bank above and XXXX XXXX XXXX  XXXX XXXX got a copy of my Equifax credit report XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX VA XXXX. I again called XXXX XXXX bank and they again assured me they made no such inquiry and was instructed to call Equifax. 
I called Equifax and they confirmed the inquiry from XXXX XXXX Bank and i was then instructed to file a fraud report to the FTC and was redirected to this filing internet page. 
In order to remove the fraudulent/inadvertent inquiry I was instructed to send copy of this report back to Equifax.
Consumer complaint received 2021-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

i made a few purchases online with debit card while inside the USA. they resulted in international transaction fees. these transaction were with my own checking funds not bank money. these charges were online ( and in dollars not foreign money ) so there is no way to establish the location of the company in normal everyday business. allowing this theft of funds to continue is basically turning the internet into a reverse slot machine where any transaction may come back with a {$60.00} charge. again it was my money, in dollars and i never left the USA.. 

the bank told me international charges are non negotiable period. 


they know this is theft thats why they have a policy of no negotiations.
Consumer complaint received 2021-02-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (NC)

On XX/XX/2021 after checking my account balance with JC Penny I found a charge of XXXX. It also states that I now owe a current balance of XXXX. My credit limit is only XXXX. I have included all relevant i formation for your view as well as recebt interest charges leading up to XX/XX/2021. I have never been late on any payment and have exceptional payment history. I would like this removed and would no longer like to have any association with. These are fradulent fees and I would appreciate not being taken advantage of. As you will see from my previous billing statements attached, it was reported to my credit report as a balance of XXXX which is also reported across all three credit bureaus.
Consumer complaint received 2021-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McCarthy, Burgess & Wolff, Inc. (CA)

I received a collection notice on XX/XX/2021 from McCarthy Burgess & Wolff ( Reference # XXXX / Account # XXXX ) and called them on the same day to confirm that the XXXX account associated with this notice is fraudulent and my identity has been stolen. I filed a police report with the XXXX XXXX Police Department, filed a fraud report with XXXX XXXX and also with the Federal Trade Commissions Report that this Identity Fraud occured I have called and spoken to XXXX XXXX numerous times ( spending hours on the phone ) to provide this information, and have been transferred around various departments, all of which said nothing can be done about this identity fraud, as the account is now closed. They also accused me that it was me who open this account, and when I asked for proof of how my identity was confirmed ( driver 's license ID, passport, or video evidence or audio evidence they were unable to provide this. The number and email address were not mine either! ). I have provided all the above information to the collection agency, who have said no further action will be taken, however, I have asked, as per the FTC guidelines that XXXX provide me with a letter confirming the account is closed, it's not my liability or was my account, and it will be removed from my credit report, which is currently hurting my business and personal life in securing any further credit.
Consumer complaint received 2021-05-27
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: ERC (NC)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2021-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A. (CA)

I tried to sell my furniture through an online app and was given a check to deposit into my citibank account. When I printed the amount it had an amount more than the total and I was asked to pay a portion of the amount to the mover who will come to pick up the furniture. 
I did a mobile deposit of the check and then later on reached out to the citibank representative to see if this amount has cleared and whether it will bounce back. 
This is the response I got from the citibank representative : Me : Does that mean it ( check ) could bounce back? 
Citibank Rep : " No, I have checked again and we have added the amount successfully in your account and it will not get reversed '' On getting this clearance from the bank I went ahead and made a payment through XXXX ( From the citi bank app itself ) to the said mover.

After a few days the check bounced and I lost my money as I had already paid the said movers by then. 

I reached out to Citibank seeking for help and told there's a fraudulent activity. I explained to them the whole thing and that I received a confirmation from citi bank before I considered making payment through XXXX ( From citi bank app ). 

The bank then told me they will not be able to help me for the check and when I asked why the representative confirmed it would Not bounce - they said check could bounce subject to balance available in the other party 's account. I asked them why they didn't tell me this important point when I reached out in the first place and they had no answer. I told them please dispute my case and they said they will try to dispute the XXXX payment and I raised a case and now they told me they can not help me with this or get my money back for me. The bank is taking no responsibility for a fictitious check or for the fact they misinformed me about its clearance nor the XXXX app used ( through citi bank ). 

Kindly help me get a resolution for this issue as it has been over a month, thank you.
Consumer complaint received 2022-12-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (PA)

I find out that collection agencies are transferring, and, or selling disputed XXXX charge-off accounts amongst each other in a deliberate attempt to prolong how long negative records stay on my credit report and by so doing preventing my XXXX score from increasing.

The four companies are : 1. Midlantic Funding XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX I was a victim of identity theft which resulted in the issuance of credit cards in my name to miscreants. While several of the credit card issuing companies reviewed my claim and closed the cards, others chose to charge-off the balance owed, all of which occurred XXXX. I filed police report and secured my credit record with Identity Theft security. 

Subsequently, I refused to file for bankruptcy as advised by debt collectors, The debt collectors harassed me relentlessly asking to collect debts I did not owe. I wrote them all back asking for records of the alleged debts, including, signed copy of debt-application, record of debts alleged, and, or credit card usage, the signed-invoices, date-stamped video recordings while cards were being used. Also schedule of items purchased, or the description of products or services the alleged credit cards were used for. I also asked for date-stamped receipts of collection agency purchase of the alleged debts to compare with issuing card company charge-off date. 

Notwithstanding my requests to these collection companies, I expect that all negative reporting on these XXXX charged-off accounts should have come-off my credit reports by now. 

Can you please check in with these companies for reasons why they would want to sell and resell these charged off accounts ( to their subsidiaries and, or affiliates ) so that they can keep renewing the reporting on my credit report, not considering the accounts have been charged off since XXXX. 

Your time and thoughtful consideration are greatly appreciated. 

Thanks, XXXX XXXX XXXXXXXX