davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-12
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CCS Financial Services, Inc. (CT)

XXXX / XXXX reporting is inaccurate : My history the company CONGRESS CLEARLY STATES THAT A LATE PAYMENT OF TRANSACTIONS OR EXPERIENCES BETWEEN the consumer and the person making the report is not included in the consumer report!

They have violated the Fcra 15usc 168ia 2ai by reporting this transaction or experience on my Consumer Reports they have 10 calendar days to update my payment history or delete all late payments below accounts Failure to respond with deletion of the above consumer reports will result in legal actions being taken against companies for which I will also be seeking {$1000.00} per violation for! .Defamation of character 2. Negligent Non - Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 VIOLATIONS WILLFUL NON -COMPLIANCE -616 CIVIL liability FOR WILLFUL COMPLIANCE ( 15 U.S.C 1681 in DID YOU FILE A 1099 c?
Consumer complaint received 2021-01-19
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)

THE ACCOUNTS/INQURIES ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE A CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-01-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (OH)

I have been trying to solve this problem since it occurred on XX/XX/2020. I was attempting to loan my son money because his car was repossed and he and his girlfriend needed transportation to get back and forth to work. I was attempting to cash app his girlfriend XXXX dollars not knowing that she had two cash app accounts. One an old one which she had no access to because her phone number had changed and her email address which she did not remember. I have explained that over and over again since this happened to cash app, which you can never talk to them and it is done only by email which in itself is frustrating. The person I sent the money to whose name is XXXX XXXX has also contacted them to tell them she doesn't have access to the account but they keep giving her ways to access it which have not worked. I just ask them to send the money back to where it came from and they keep telling me she has to and she can't because she can not access her old account. No matter what I tell them they will not release my money. The money was to be refunded to me by my son and girlfriend but they never received it. Now my bank account is overdrawn because I am no longer employed. I am XXXX years old and unmarried and unable to let XXXX dollars go up in thin air. I want my money and as far as I know this company has it stored somewhere. If it is still in this old account I would think after 30 days if no one claimed it it would go back to sender especially if there are complaints about neither party getting the money and then just close the account. Or let the person who should have received the money know there is a problem with the transaction and if they receive no reply close the account and refund the money. There has got to be a better way than the way this is being done. I am not going to lose XXXX dollars and not know where my money went. The person I sent the money to is XXXX XXXX, she lives XXXX XXXX XXXX XXXX XXXX, Ohio and her number is XXXX. My name is XXXX XXXX XXXX XXXX XXXX XXXX, Ohio phone number XXXX. Thank you please help me.
Consumer complaint received 2021-01-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2021 I spoke with XXXX  XXXX  XXXX  in Utah and they told me that a debt that is reported on my credit report for {$500.00} from XXXX XXXX was my debt. They explained that the accounts reported address was XXXX XXXX XXXX in XXXX, GA however I never lived in Georgia. I did a lookup on the address given and there is a XXXX XXXX XXXX that lives there, my previous name was XXXX XXXX XXXX but I live in Florida. I explained to them that this was NOT my account and they stated I would need to go fill out a police report, spoke with police department who stated to come in and fill out report, I am not driving to Georgia to fill out a report! 
Sent letter to Transunion and XXXX XXXX XXXX, Transunion indicates the following : INVESTIGATION RESULTS - VERIFIED AS ACCURATE : The disputed item was verified as accurate. 

Again, this is NOT my account. Please advise.
Consumer complaint received 2023-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (IL)

I notified XXXX in XX/XX/2019 I had received mail regarding an account opened in my name that I had not signed up for. In XX/XX/2019 I had experienced fraud issues with several other creditors who actually attempted to verify my identity before allowing accounts to be opened in my name in XXXX of XXXX and reported to XXXX and they put a fraud alert to creditors with my name and information. All the other creditors ( XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) were resolved with one phone call. This fraud alert was active when XXXX allowed an account to be fraudulently opened in Florida ( I have resided in Illinois for over 40 years ) in my name. A simple credit check would have have prevented this whole matter. Instead in 4 years XXXX  has referred me to collections twice despite my providing proof of identity theft including a police report. Collection agencies have harassed me repeatedly with calls and letters. XXXX has never resolved or responded to my reports. At this point I consider this harassment and a violation of the Statement of Identity Theft Victims rights, Had XXXX done the most basic credit check they would have found the was fraud alert for accounts attempting to be opened with my SSN in XXXX of XXXX Out of 5 attempts to open accounts using my identity in XXXX and XX/XX/2019 XXXX was the only company who failed to take this simple step resulting in what is now a 4 year campaign of harassment and unwarranted negative reports on my credit history.While I have spent hours trying to rectify this issue and provide documents to report this as identity theft XXXX has not provided a single shred of proof to establish I opened this account.
Consumer complaint received 2022-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/22 at the XXXX branch wwe deposited with a teller $ XXXX into our business checking account using two checks each for $ XXXX. One check we deposited from XXXX was misplaced by Bank of America upon deposit and therefore never credited to the account. Upon asking the bank what happened, they incorrectly told us the check was titled incorrectly and not deposited. Upon further research from Bank of America, they then proceeded to tell us they have no record of the check being deposited and do not even have a imaged check. The branch manager XXXX XXXX was the one who gave us incorrect information about the check being addressed incorrectly. We had to find out out from the customer service line the check was never deposited. We then told BofA we need a indemnity letter signed by them from XXXX. We gave BofA the information for who to speak with at XXXX to receive an official draft to sign. BofA proceeded to sign a unofficial draft and deliver back to me which would not work. Upon asking BofA to communicate with XXXX, they indicated they could not communicate with anyone outside of their organization. Although they lost our check and our business is running low on funds, they have been of no help in trying to get us our funds recovered.
Consumer complaint received 2024-11-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (NC)

I bank with Navy Federal Credit Union. I have been hit with a massive amount of random overdraft fees. A lot of them fees are due to the bank delaying the transaction postings. I would think I have a certain amount of money in my account and when I check my account again, Ill be in the negatives + given an overdraft fee and itll be because they took so long to post prior transactions that by time they do, I really didnt have the amount they were showing me I had. To make matters worst they like to overdraft fee you just about everyday until youre out of the negatives. The amount of money ive lost due to Navy Federal is insane.
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Both customer reps from the 3 credit bureaus XXXX, Transunion and XXXX as well as the credit card companies XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX all acknowledged my accounts were innacurate. They all agreed to remove any and all delinquencies or derogatory information after citing the Cares Act and extenuating circumstances involving COVID 19. The virus created an unexpected temporary hardship. In essence, I was a victim of a declared national disaster.
Consumer complaint received 2022-08-15
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act, XXXX Account XXXX has violated my rights 15 USC 1681 Section 602 8 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a Consumer reporting agency can not furnish my account without my written instruction
Consumer complaint received 2022-05-25
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. (WI)

A suit was entered in WI circuit court for a suppose credit card $ XXXX debt in XX/XX/XXXX. I was never served and this false credit card debt was entered as a default judgment XX/XX/XXXX without verifying the debt. It has now been XXXX yrs and the zombie debt is statute barred from collection. They are trying to restart the statute of limitations clock by trying to serve me and threatening taking property and liens on my homestead. This debt is not verified and may have been sold already to debt buyers for pennies on the dollar so the original creditor already got paid and they have not verified any debt with me. I do not owe this debt by statute of limitations.
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX Balance : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX  XXXX Balance : {$0.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance : {$790.00} - This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX Balance : {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect balance, you are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

XXXX XXXX Balance : {$1500.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX XXXX Balance : {$0.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I received a text message that said my account was going to be 30 days late so I tried reaching out to XXXX. I replied to the text message, called the number listed on their site as well as sent messages on XXXX and XXXX. No one ever answered the phone nor called me back. Eventually someone from XXXX responded. During the time when I was trying to contact them I continued to try to get into my account but I was asked to verify my account and submit documents which I did. I was never able to get into the account. Several times I was asked to connect my account, I have all emails and text messages that indicate that my account was connected from my bank. I tried relentlessly to get into my account from XX/XX/XXXX up until I paid it off on XX/XX/22. They finally sent me a XXXX time link to make payment. To this day I have no access to the account. After telling me I was verified and fine they lock me out. I reset my password thinking thats the issue and NOTHING!! I cant get in to make a payment, see my account, or anything.which will reflect negatively on my credit. After several emails with their customer service staff I was finally sent the link to pay it off. A few days later they reported my account was 30 days late to XXXX and Experian. I have never been late. Payment was through auto draft. Someone would email me saying that my account should be ok and that I should log in again. I did everything I was told but still they report late payment do my credit bureaus. This is unacceptable and I want my credit report correct. This was not my fault that their app was not working. I have all emails and text messages do back up my claim. This is unethical and XXXX XXXX should be closed down. This is a very shady company. How can they report me late after I made payment?
Consumer complaint received 2021-11-29
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: OneMain Finance Corporation (TX)

One main financial calls multiple times a day after I explained what information I can get them. Im under duress and have explained this to them multiple times. I am currently out of work after being injured and have explained that I will get with my dr for a note on the XXXX. They continue to call constantly
Consumer complaint received 2021-01-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc. (NJ)

I had an outstanding debt with XXXX XXXX back in XXXX because somehow my insurance did not cover the entire cost. I paid the full amount directly to XXXX XXXX  in XXXX now Im receiving another bill from collections for XXXX XXXX  which I have no idea about. It was put on my credit report at a time when we are going through a pandemic and times are very tough. 

Collections agency : XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2021-01-19
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. (PA)

After carefully reviewing my credit report and disputing inaccurate reporting from the alleged account XXXX XXXX XXXX ; XXXX continues to violate my rights. no proper and accurate investigation has been completed on my behalf as requested. Credit Reporting Agency continues to damage my Character and has caused a great amount of discreditability to my name. Equifax and XXXX continue to report errors such as different dates of last active on account and have not provided proof of investigation for accuracy.
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

After carefully reviewing my credit report and disputing inaccurate reporting from the alleged account XXXX XXXX XXXX  ; Experian continues to violate my rights. no proper and accurate investigation has been completed on my behalf as requested. XXXX XXXX XXXX continues to damage my Character and has caused a great amount of discreditability to my name. XXXX  and Experian continue to report errors such as different dates of last active on account and have not provided proof of investigation for accuracy.
Consumer complaint received 2021-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (CO)

I had my credit checked as part of a home mortgage refinance, and received a lower credit score due to a new debt that was associated with my name and social security number. The debtor is lisXXXX XXXX XXXX XXXX XXXX XXXXd the creditor is XXXX XXXX XXXX XXXX. I called Credence who informed me that someone illegally opened an account with my name and social security number in XX/XX/2020 and now has a debt due of {$1000.00}. This is a case of identity theft as the account was not opened with my knowledge or authorization. I do not know how my name and social security number were stolen. The person I spoke with at Credence gave me the following information on the person who opened the account : # XXXX, XXXX XXXX XXXX XXXX, XXXX, IL, XXXX. Credence has sent me a Fraud Packet that I have filled out and sent along to XXXX XXXX XXXX XXXX for resolution.
Consumer complaint received 2020-11-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

On XXXX XXXX, 2020, I requested a copy of the loan modification contract. Servicer 's are to comply with any servicing request, however Select portfolio Servicing has yet to comply. The request is quite simple, need copies to the loan modification contract i signed with previous lender. When a loan is sold or transfer to another servicing company, all contracts remain the same therefore Select Portfolio Servicing does have this information.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2022-05-25
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. (SC)

I'm A victim of identity thief ... the following account i didnt authorize ..XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-05-24
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. (FL)

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions.
Consumer complaint received 2021-01-19
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: Experian Information Solutions Inc. (TX)

I deferred my student loans due to my XXXX  and my loans were sold back and forth between XXXX and XXXX. Each time they would redo all the negative late payments on my credit report on all 3 credit reporting agencies for all 8 student loans. I was awarded a waiver based on my XXXX  ( XXXX  XXXX  ) service connected from when I was in the military. The negative 120 Day late payments were removed and I thought I was able to move forward. They have since been put back on my credit report, again and again and again. I have constantly battled with this for years submitting new evidence each time and still having the 2 sister companies XXXX and XXXX repost the late payments 30/90/120 days to my negative credit transactions. 

I really want to get a loan and I am looking to purchase my first home as a disabled vet and have been unable to because of these huge delinquent hits to my credit. The loans show paid but all the negative history remains even though they were " supposed to be in deferral '' and were sold. When I called they said once they are sold they are put back into delinquent status. This seems like an unfair practice and if the 2 companies are sister companies it feels like tax fraud may be involved also.