davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (AR)

Midland Funding said I owed a debt that was not my debt. I contacted them to let them know it was not my debt. This was in XXXX. They filed a lawsuit against me and I showed up in court. They did not show up, so the judge said to reschedule the court date. I did not receive notice of another court date. I did not receive any other correspondence from Midland Funding or from the court system. 
My employer received a letter from XXXX XXXX XXXX in reference to Midland Funding with information to garnish my wages. I did not receive any information from Midland Funding or from XXXX XXXX XXXX about this. The letter to my employer had the correct address, but the employer 's name was incorrect. It had a former employer of mine listed instead of my current employer. In the letter to my former employer ( that was sent to my current employer ), it had where there was a court case filed against me on XX/XX/XXXX. I had no knowledge of this at all. I was not served papers, I received nothing in the mail, and I received absolutely no notification of this action taken against me. I was not aware anything was filed in XXXX until I received a copy of the information XXXX XXXX XXXX sent my employer on XX/XX/XXXX. 
The initial debt was not even my debt and I am still dealing with this 4 years later. Correspondence with the companies has been terrible. 
I have recently separated from my husband and I am in the process of getting a divorce. I went from a two income family to being a single parent of XXXX children. Both children are beginning college in the fall. If Midland Funding/XXXX XXXX XXXX garnish my wages, this will cause undue hardship on me. I do not have the ability to pay this debt, and it is not even my debt. Midland Funding and XXXX XXXX XXXX have not followed the laws in that they have not had clear communication with me. They have gone behind my back and filed a lawsuit that I knew nothing about for 4 years. I would also like to know if the statute of limitations can go into effect with my case.
Consumer complaint received 2020-12-22
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: EQUIFAX, INC. (NY)

Ive noticed a fraudulent account on my credit report and I have submitted a complaint with the federal trade commission. I have already reached out to let you know about this account but nothing has been done. The account is affecting my score. I am currently trying to purchase a property with my family. Please remove this account from my report in accordance with section 605 of the FCRA.
Consumer complaint received 2021-08-03
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. (FL)

I would like to inform that I become a victim of Identity theft. I can not explained how that happened but recently bureaus filed accounts that are not mine. Moreover I am not connected to these companies of accounts. I have never done anything with the. Accounts are wrong, amounts are wrong, everything is wrong and not mine. So please delete them ASAP
Consumer complaint received 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have incorrect information in terms of my employer who I never worked for on my XXXX, XXXX  and Experian. I want this false information removed from my Credit Report and exchanged with my current employer XXXX XXXX XXXX XXXX in XXXX located at XXXX XXXX XXXX. XXXX  XXXX, XXXX TX XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Consumer complaint received 2020-08-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

I got a call from a number and they said it was usaa trying to check on a certain transaction and asked for my social security and other questions to varify my account. On XX/XX/XXXX two checks were deposited to my bank account addressed to me but they were obviously fake online checks. Immediately after the money was taken out and sent via wire transfer to other accounts and names. My bank usaa said it was not fraud, it was a scam and would not cover or help insure the money stolen.
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I went to a car dealership to purchase a car and the dealership said they was pulling one inquiry from XXXX and now I have all the inquires without my approval. XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2020-12-22
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: Experian Information Solutions Inc. (CA)

I found out in the earlier part of last year that I was accepted in XXXX XXXX so I started reviewing my credit report to make sure there were no disparities so that I could qualify for student loans that upcoming fall quarter and I discovered an student loan from XXXX was reporting a balance of {$3900.00} ( as of XX/XX/2020 {$3900.00} was written off and {$1000.00} was past due ). First I contact the company that was originally listed with XXXX on the Experian report and they were called XXXX XXXX. XXXX XXXX informed me that they no longer had the account and that it had gone back to XXXX. I contacted XXXX right after the phone call and XXXX informed that there was no debt associated with my name or social security number after sending me to numerous departments. So I went ahead and filed a dispute with Experian and let them know the information I was given. I began law school and started accessing my credit reports again and the account was still on there so I filed another dispute in the months of XXXX, XXXX and XXXX. To no avail the account remained and Experian reported the debt was valid. I continued to file disputes in XXXX and called XXXX an additional 2 more time and was told every time that there was not debt for the amount listed on the credit report associated with my social security number. All of this information was once again sent to Experian and the results of their dispute remained for the months of XXXX, XXXX, XXXX and XX/XX/2020. As of XXXX Experian started not only reporting the possible debt as a charge off it is also reporting it as being late. This account has led me to becoming so depressed I do not see a way out. As of know I will not qualify to go back to school next Fall because I will not qualify for student loans due to this negative mark on my credit report. I am distraught because I have work so hard to get to this point in my life. If I do get to finish law school eventually I will be the first attorney in my family.
Consumer complaint received 2021-07-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (FL)

Date : XX/XX/XXXX Amount : {$150.00} Action : Booked a few nights a XXXX  ( XXXX XXXX XXXX XXXX XXXX & XXXX ex, XXXX, XXXX, GA XXXX ), checked in but the location did not seem safe so checked out within 5 minutes and cancelled booking with booking agency. They were to have refunded me but didn't have any luck with getting the money either and I'd received an e-mail to contact the merchant. Contacted and spoke with merchant and still never received the refund. Opened a dispute with the bank no luck, was told that he offered compelling evidence ( was never contacted to provide proof ). Opened another dispute with bank and was to have faxed the e-mail from booking agency but never got the chance.
Consumer complaint received 2023-10-31
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: Snap Recovery, Inc. (NY)

On XX/XX/2023, I received notification from XXXXXXXX XXXX informing me that a derogatory mark had been placed on my credit by Snap Debt Recovery. I have no knowledge of the basis for this mark or why it was posted without proper information. On XX/XX/2023, I initiated contact with Snap Debt Recovery and expressed my lack of awareness regarding any outstanding debt or claims against me. Despite attempts, including my letter dated XX/XX/2023, I have not received any correspondence or verification from Snap Debt Recovery as required by the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S. Code 1692g et al, specifically sub section ( b ).

I am requesting that Snap Debt Recovery provide the following information to substantiate the validity of the claim being made : The name and address of the original creditor, The account number and the amount owed. 
Verification of a valid basis for claiming that I am required to pay the current amount owed. 
The total debt amount, along with information on when it was sent to collections. 
Details on the method the creditor used to attempt debt resolution before collection. 
The amount of interest accrued since the debt was sent to collection. 
Any additional fees and charges associated with the debt. 
I also want to invoke my right, pursuant to 15 USC 1692d 806, to cease and desist all calls and direct contact with me immediately, as outlined in the Fair Debt Collection Practices Act.
Consumer complaint received 2020-12-22
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: ENOVA INTERNATIONAL, INC. (AL)

I have disputed several times with the credit bureaus and Net Credit. I have submitted the documents to prove account is not 120 days late and they refuse to update reports and every month I continue to get an alert saying 120 days late. The account balance is wrong and they refuse to update the account balance on credit reports. They have signed an agreement to settle my account for less than balance and my debt management company has made payments every month since XXXX of 2019.
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

the law states that at no point should there be a late payment reporting my consumer report & should not include any transactions or experiences between me the consumer and any person making a report. Further more, I never gave any consent for these alleged transactions. 
These are clear violations of my consumer rights under 15 U.S. Code 1681a, 15 U.S. Code 1681a1 and also 15 U.S. Code 1666b Please delete these late payments from my consumer report and update this account as soon as possible Account Name- XXXX XXXXXXXX Account Number - XXXX Late Payment - XX/XX/2017 - Late Payment
Consumer complaint received 2023-03-21
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: Experian Information Solutions Inc. (FL)

First and foremost Ive recently been educating myself in financial literacy and have found out that more than 90 percent of my consumer report has been in violation for the past couple of years. I have made Many attempts to all 3 Agencies via certified mail last year XX/XX/2022 to get back control of my Consumer Report by informing them to Deleting incorrect addresses and informing said Agencies about inaccuracies on my consumer report made by the Persons/Financial institutions Furnishing the Data to these Consumer Reporting Agencies .
Consumer complaint received 2023-01-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (NY)

I sent a validation letter to Caine & Weiner Inc. via certified mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/2022 to validate the debt they claim I owe. I have no knowledge of a debt or obligation so I asked them to kindly validate in a notice but they didn't respond. They are currently causing financial injury to me and making it difficult to acquire credit.
Consumer complaint received 2019-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

American Express increased my credit limit automatically from XXXX to XXXX between the month of XX/XX/XXXX and XX/XX/2019. The same was notified to my credit agencies on XX/XX/2019 and my credit limit on my account reflected the same. This had a positive impact on my credit score and i was happy about it because i have some upcoming plans. When i opened my account to make a payment this morning on XX/XX/2019. I found a significant decrease in my credit limit and it now reflects as XXXX. I was in total shock and spoke to my adviser to understand how would this will impact my credit score. I found out that this would potentially have negative impact on my credit score. I have contacted american express customer service team and explained my issue who transferred my call to credit card expert team. I explained my issue and the nature of credit score impact with these drastic changes in my credit limit, they explained that during annual credibility review my account was eligible for credit limit increase and system incremented my limit to XXXX instead of XXXX due to an error for which i haven't got notice till date. I tried to explain him this is going to damage my credit score which i can not afford at this time and i also told him, i wouldn't have concerned if this error was fixed prior to reporting to credit bureau. I had very bad customer experience talking to this person, which is secondary to this topic. At the end i was told they won't be able to help my case and instead they want me to apply for a credit limit increase. I feel american express is not taking ownership of this problem and impacting my credit score at their discretion.
Consumer complaint received 2020-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I received a letter saying Capital One was reducing my credit line in half because I hadn't used all of my available credit recently. I have had this same credit limit for over 15 years. I have never been late or abused my credit card. Last time I had a big purchase was for an interstate move. My reduced credit line will not cover that now if I were to move again. I use the credit card each month for television prescription services, but I pay the balance each month. My FICA score is over 800. I have been a good faith customer since 1996. I spoke with a manager at the customer service number provided. She was very rude and refused to help me. She stated for me to call back in 6 months and try again. I guess they do not like having SENIOR citizens as customers. My bank savings accounts alone would pay off the previous credit limit. It was security knowing I had that credit limit if I should move again or have an emergency car repair, etc. I feel this is discrimination and unfair business practices.
Consumer complaint received 2019-10-22
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: EQUIFAX, INC. (FL)

Accounts are reporting on my credit reports that are incorrect XXXX XXXX   XXXX**** XXXX XXXX XXXX**** XXXX XXXX**** XXXX XXXX XXXX**** XXXX XXXX****
Consumer complaint received 2020-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (CO)

I played Ally Banks Monopoly promotion in 2019 and won {$200.00}. I never received an email to redeem these winnings. After multiple follow ups over several months where the bank associates agreed to get back to me after their investigation, I have not received any response. They were able to confirm that I did qualify and win the {$200.00}.
Consumer complaint received 2019-10-25
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. (FL)

I disputed two fraudulent accounts opened with my personal information : 1 )  XXXX XXXX - XXXX - {$160.00} 2 ) XXXX - {$360.00} This information was disputed XX/XX/2019 according to my knowledge. This information somehow is still showing up on my credit profile. 


I am also an authorized user on a 5 year old XXXX XXXX credit card. Equifax is not reporting this to my credit, but they should be.
Consumer complaint received 2021-10-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (FL)

I have a current mortgage with Rocket Mortgage , LLC. I am refinancing with them also. I started the refinance procedure in XXXX of 2021. By beginning of XX/XX/2021, all paperwork was approved and closing date set for XX/XX/2021. An agent came to my home and all documents were signed on that day. The documents were uploaded to my portal. Apparently the loan did not close, so know I have two active loans with Rocket Mortgage. As of XX/XX/XXXX, I have been attempting to resolve for over two months. No one at the firm can tell me what is going on or how to resolve it. I have spent countless hours by phone calls, emails, website chat and email issue link.
Consumer complaint received 2020-12-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (PA)

I have disputed these debts and asked for the required verification from Credit Collection Services twice now. I have received nothing at all from them. I do not know who they are or why they are on my credit. They have violated my rights according to the FDCPA and FCRA, and as a consumer, it is very unfair. I thought as an American citizen I was entitled to the same information that is being reported to third parties about me! Please help me!!!
Consumer complaint received 2022-10-20
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: DFC Global Corp. (CA)

In level with enormous phone calls and indicator placed letter from Money Mart co d/b/a etc.. That the entitled letter head attachment is in complaint with identity theft. I did not use the address the company has listed the address is not associated with my residency commercial property address at the counter. XXXX XXXX XXXX bank does not have the address identity of the money Mart scandal finds the address on the enclosure on the XXXX account interim therefore the company has identity theft XXXX XXXX XXXX bank account interim name and address.. My EO ( XXXX ) license conduct my address residence in not location of XXXX XXXX in the state of California registration and then tell me when I called and task account online that I do not have an account. Means I am not in the money Mart system with a cross cancel attached document.. Then call me day to day. Attachment is a civil agreement and like I stated I ain't paying your employees overide because the documents provided are the only computers functionality in the money Mart location system the frank documents do not belong to me because it is not the address I used it use. No notice has been mailed to me because the address is not my registration in this said state,.
Consumer complaint received 2023-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NV)

A XXXX Nevada Wells Fargo ATM on XX/XX/2023 around the time of XXXX I went to deposit roughly {$420.00} and the ATM spit out {$80.00} but took the rest of my money then conveniently crashed without depositing my money and spit out a receipt that said they'd fix the issue in two days meaning I should of had my money Thursday it is currently Friday night I have called all they asked was what was the amount and they didn't even help me it's almost Saturday I have bills to pay this is unacceptable. Please help I also have two witnesses who saw this
Consumer complaint received 2020-12-22
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: Experian Information Solutions Inc. (PA)

I disputed an account that has been settled in full on XX/XX/XXXX. Experian failed to properly investigate this dispute. XXXX XXXX agreed to settle the account in full in XX/XX/XXXX. This account now has a {$0.00} balance after I paid {$180.00} for four months and a final payment of {$180.00} on XX/XX/XXXX. I uploaded all documentation that showed the settlement agreement from XXXX XXXX along with a statement that showed all payments made. Experian updated the dispute today on XX/XX/XXXX and it continues to say that I have a charge-off with a past-due balance of {$1300.00}.
Consumer complaint received 2020-12-22
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: Experian Information Solutions Inc. (IN)

My name is XXXX XXXX, I am reaching out to you about multiple false, full of errors, and reporting inaccurately accounts on my experian report. I have reached out to Experian multiple times and have had multiples talks with reps and mangers about these accounts and were told they would be removed, these accounts are in litigation because of and Identity Theft incident which has already been discussed with Experian. They have failed to remove these accounts and will be included in the law suit if they do not correct and remove them immediately. 

ACCOUNT : S DEPT OF ED/XXXX ... ( REPORTING 5 TIMES INACCURATELY, MISSING DATA, REPORTING PAID AND COLLECTION AT SAME TIME, CAUSED FROM IDENTITY THEFT )