davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-10
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. (MI)

I reviewed my consumer ( credit ) report on XXXX XXXX, and noticed that there were several accounts that did not belong to me. I completed an Identity theft complaint at FTC. XXXX XXXX XX/XX/2021. I also notified the Consumer Reporting Agencies of the inaccuracy of the information on XX/XX/2021. I provided them a copy of the identity theft report along with the copy of my consumer report with the unauthorized accounts. This information is defaming my character and prevented me from obtaining a loan. The Consumer reporting Agency failed to comply to block and remove all negative information that was related to identity theft. 

12 CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( I ) ( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the XXXX has : Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and Consumer reporting agencies shall develop and implement reasonable requirements for what information consumers shall provide to constitute proof of identity for purposes
Consumer complaint received 2020-04-16
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 am in the process of looking into buying a new home and was discouraged to find out that my credit has dropped immensely which is hindering my ability to close on my home. I am writing this due to non compliance with XXXX, XXXX, and TransUnion. They have failed to remove information that was affiliated with personal details that were INACCURATE and challenged in the past. I strongly believe that they are in violation of the FCRA ( Fair Credit Reporting Act ) and are outright refusing to to uphold the law.
Consumer complaint received 2022-02-10
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)

While checking my credit report, I notice an account from XXXX XXXX that I believe is not being reported correctly on my credit report. XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, ( which is attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2021-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (IL)

I called in today to file a dispute and spoke with a rude representative who got an attitude because I asked where I can send supporting documents in regards to the claim I was trying to file. As I explained that US Bank has a consistent issue with not providing any request for information before making a decision on a dispute claim ; I wanted to make sure I provided the information as best they can review the matter and complaint in full. She then came back to the line with a nasty attitude and immediately gave me a name to email the documents to. She started to give me the name as I asked her to wait while I grabbed a pen as she literally did not give me any warning or heads up that she was going to be providing me any information I would have to take down as soon as she felt the need to just blurt it out. As she gave me the name of the representative she did not offer any spelling at all and this name could have been spelled several different ways so for me to sit here and have to inquire as to how to spell a name for a formal legal dispute process which are within my rights under the account contract I have with US Bank in itself is a hassle as well as the federal and state rights I have to file this type of dispute. After giving me the email the agent was still extremely rude. She did not even tell me if a provisional credit would be issued, when it would or would not be issued, nor any estimated time frame on the dispute process she very quickly went into dismissing and ending the call. So now my concern is that why was this the process with previous complaints as to providing such said information and why is it not the process now as well as is this information just not going to provided to me versus being provided to other customers it poses several civil and federal class protections as to why this agent so choose to purposely neglect to provide this information as if US Bank already decided on the matter and thought the formalities were irrelevant.
Consumer complaint received 2022-12-03
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: EQUIFAX, INC. (GA)

FCRA Violation personal information not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA Violation credit card not mine XXXX XXXX XXXX XXXX FCRA Violation public record not mine XXXX  XXXX Bankruptcy
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Texas repossession laws state the vehicle can not be sold within 10 days, the car was taken on XX/XX/XXXX in the middle of the night on a holiday weekend when calls couldn't be made to make a payment and when account was removed from the app, taken from repo lot on XX/XX/XXXX, sold on XX/XX/XXXX all without a notice of intent provided. I was told it was sent on through certified mail on XX/XX/XXXX, XXXX is XX/XX/XXXX and I still have not received anything. The Deficiency and surplus letter were not provided to be after the sale, and I was told on XX/XX/XXXX it was mailed out through certified mail on XX/XX/XXXX. Again, I have not received either of the two and I called and stated that on a recorded line. They would have confirmation that I received it through tracking, or it gets returned to sender according to the post office. The vehicle sold for XXXX and that amount was applied on XXXX, leaving a remainder of XXXX. Why was I asked to pay XXXX in full by the XXXX XXXX XXXX XXXX XXXX  to receive my car. XXXX XXXX XXXX, silver, last XXXX of XXXX # XXXX. I was only offered one solution by the charge off department, and that was to do a sales hold of XXXX, XXXX dollars, a max of two times. That was only offered after it was at the auction and that just prolongs the hold. I believe there was never an attempt to collect past due, they cut corners to get the car back. I have documentation from the credit bureaus stating the max past due reported was 90 days. If they do not report correctly, how I am to trust this? The XXXX XXXX XXXX  doesn't state this, and I spoke with XXXX XXXX, Agency Compliance specialist at XXXX on a recorded line on XX/XX/XXXX at XXXX am, she stated the account was charged off at XXXX XXXX on XX/XX/XXXX due to being 126 days past due, then I was told Text and emails are a courtesy, and a phone call is the most accurate way to communicate. The app is where customers pay, and should have the most up to date, real time info, unless they are trying to hide something. This has impacted my family greatly ; I am unable to get to and from work without my vehicle and obtaining a vehicle with the false information on my credit is hindering me from getting another vehicle. They keep reporting on this account even though it was charged off on XX/XX/XXXX. I made a complaint earlier last month and they attempted to update the info but it's still incorrect.
Consumer complaint received 2019-09-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (LA)

Midland Funding, LLC is garnishing my wages for a debt that was closed out for fraud. They didn't even buy the debt so that means that they obtained the information illegally. The original creditor confirmed that the debt was never sold to them. They are suing me in court and now they are playing two courts against the other to string this situation along. They have made unauthorized withdrawals from my bank account and I never even gave them my bank account information. They have hired people to steal information from the dark web to hold irrelevant matters against me. They lied to the judge claiming that they incurred fees from dealing with my employer for garnishing my wages so they could get awarded more money. They falsified evidence and presented it to judge so they can get a default judgment. They even forged my signature on some agreement that I've never even seen before and they stole my identity to create other fraudulent accounts. 

They sent a judgment for rule that was NOT signed by a judge to my employer and when my employer told them that they couldn't add on the garnishment without the signature, XXXX XXXX threatened to sue my employer if they didn't put the garnishment on. They don't even serve you court documents and they talk the sheriff into falsifying information on the return. They also made racist remarks toward me. 

Complaining to their staff members doesn't work. They just ignore all issues and they never return phone calls or letters. I am pressing charges against these people.
Consumer complaint received 2022-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CO)

We were the victim of a serious loan servicing transfer error in XX/XX/XXXX. Our loan got mixed up with the loan of another individual. The payments we made got applied to the loan of the other individual and a foreclosure was started against us. The mortgage company would not give us information on the other loan that was receiving our payments. Five foreclosure actions were filed against us. In these foreclosure actions the mortgage company and its attorney provided false documents to both us and the courts. The original note and deed of trust were needed to foreclose and the mortgage company did not have these documents. We were never able to resolve this issue. Years went by. The foreclosure started on XX/XX/XXXX. On XX/XX/XXXX, the mortgage company filed their fifth foreclosure action. We filed the defense that the loan was past the XXXX year statute of limitations and XXXX Bank XXXX XXXX was not the real party of interest. There were, also, two names were attached to this foreclosure action. Ocwen did not respond to this action and allowed it to be dismissed. This dismissal action was a confession that the loan was extinguished, destroyed and could not be revived. XXXX Bank XXXX XXXX also confessed they did not own the loan. We waited the 90 days to get notice that the loan had been released. Instead we received a notice in XX/XX/XXXX that PHH Mortgage Corporation now owns the loan and they were commencing yet another foreclosure action. We filed an adversarial action to have the deed of trust released on XX/XX/XXXX. The position of PHH Mortgage was that statute did not destroy the lien and they were going to reargue the case and revive the lien. They admitted the lien was past the statue of limitations. The payment due date was XX/XX/XXXX, XXXX lien had been allowed to be destroyed. It could not be revived. PHH Mortgage made the argument anyway. The argument did not revive the lien. 
We did a Qualified Written Request ( QWR ), asking for the identity of the owner of this loan. It was sent certified. We received the notice our request had been received but never received an answer as to who owns our loan. Failure to comply with a QWR is a federal offense. You have to tell the borrower who owns their loan. Another company is also asserting their ownership of the loan. PHH Mortgage Corp. is making false statements to the court and misrepresenting evidence and failing to comply with federal regulations in order to gain ownership of our home. They have allowed this loan to go past the statute of limitations by their own actions. PHH Mortgage should release the XX/XX/XXXX DEED OF TRUST to this loan as legally mandated by statue.
Consumer complaint received 2021-08-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY (NV)

My checking account was overdraft after I had asked them to stop payments and they refused to do so putting my account overdraft they did this for 6 months after the last stimulus payment went in and my account had a XXXX balance I asked for that account to be closed they failed to do that and just let the same stop payments continue over drafting the account I had asked to be closed again now they want me to pay that
Consumer complaint received 2021-03-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (FL)

I started disputing this company since XX/XX/2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that alleged debt belongs to me. This is affecting my ability to get a new home. I don't know why I'm being treated like this. 

Collector sent me a basic print out of medical bills on their system. That isn't proper Validation. By law if you cant provide proper documentation then accounts needs to me removed.
Consumer complaint received 2021-09-24
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (GA)

XXXX I went to XXXX, they asked me if I wanted a discount and I would sign up for a credit card. I never received my credit card or a statement of my charges. For 3 months I called them and asked for the card statement so I can make the payment, updating my address every time to the exact same address as they claimed that the reason I never got it.

It frustrating paying a bill when you can not see what you have been charged for.

3 months later they tell me they will take me to the collection agency if I dont pay I explain I would like to know what I am paying they say they cant tell me. They will send me a statement of course again I never get the statement.

They then call intimidating me that I have to pay right away over the phone even if I havent gotten a statement. They couldnt send it by email or mail.

I ask them to pay the full what I owe. I close the account that day. 

Now they have put a charge of XXXX dollars on my account that they say I owe as the bill when I paid was processed XXXX after and therefore they will charge me XXXX dollars and a fee of XXXX dollars. They are complete scammers. Theyve taken advantage of me.
Consumer complaint received 2019-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX and Transunion are reporting incorrectly ( 120 ) days late on XXXX - partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages 8-11 attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2022-02-10
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Recovery Services, LLC (TX)

I am a former employer for an alleged debtor. This person has not worked for our company in over a year. Direct Recovery Services ( ( XXXX ) XXXX ) has left multiple messages for me, including one with his name, alleged debt amount, and settlement options.
Consumer complaint received 2021-04-12
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. (NC)

After viewing my credit report, I noticed accounts that do not belong to me. These accounts were placed on my credit report without notifying me 5 days before placing th accounts on my report. I have asked Equifax to send me copies of an original contract or bill showing my name, address, and signature. Equifax still has not provided this information for the accounts listed below XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collections
Consumer complaint received 2020-04-11
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. (TN)

XXXX XXXX, i have called complained, Disputed and Still no help. I filed a police report XX/XX/2020
Consumer complaint received 2018-12-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

I received a debt collection letter from XXXX XXXX for the amount of {$1000.00}. I sent XXXX XXXX a debt validation letter certified by U.S. mail on XX/XX/2018. As of XX/XX/XXXX, I had yet to receive a response so I decided to give them a call. I told the representative that I am looking to purchase a home and I need all negative items removed from my report immediately. I also told her that the debt is not mine and has not been validated but I am willing to pay just to have it removed. She agreed to a pay for delete in the amount of {$400.00}. After I requested proof of what we agreed to, she put me on hold and came back to say that I would need to pay the full balance. I requested to speak to a supervisor and they demanded that I pay the full balance as well. I told the supervisor that they were trying to take advantage of my situation knowing that the debt was not mine but I desperately needed to have it removed to proceed with the homebuying process. Shortly after, I came across an article where this same company had been sued for shady collection practices. I believe they were trying to prey on me and reel me in as well. This is not fair to consumers like myself who are trying to go about clearing debt in the correct manner.
Consumer complaint received 2022-02-10
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)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-10
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. (GA)

I dispute the following XXXX XXXX XXXX XXXX XXXX fraudulent accounts multiple time and they confirm it as valid however they failed to provide me with the proof after multiple certified mail requests
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I have reported being a victim of identity theft, and you are required to remove any items that were opened without my knowledge, consent, or authorization within XXXX business days. These must be done upon receipt of the following : ( XXXX ) proper proof of my identity, ( XXXX ) a copy of my identity theft report, ( XXXX ) my identification of the fraudulent information, and ( XXXX ) my statement confirming that the information does not relate to any transaction I conducted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$490.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$670.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$540.00}