davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-01
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: Experian Information Solutions Inc. (RI)

I was a victim of identity theft and have a fraudulent account, XXXX XXXX XXXX XXXX, on my EXPERIAN report. I have attempted multiple times to resolve this error directly with the creditor, XXXX, and the credit reporting company EXPERIAN. I recently discovered there is a business account that was opened in 2015, while I was an employee of the company XXXX XXXX XXXX XXXX XXXX XXXX ( this company is no longer in business ). The creditor, XXXX, is claiming I had ownership and opened the account willingly. That information is incorrect and I did not. Without my knowledge, my information was fraudulently used to open an account with the creditor, XXXX. Once disputed with EXPERIAN, I was requested that I provide them with a copy of a identity theft report and a valid government issued identification along with the dispute. I provided both and have attached to this complaint. A federal affidavit, FTC Report # XXXX, stating I was a victim of identity theft and a copy of a valid government identification. The Fair Credit Reporting Act, states that I have rights, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I know this information is inaccurate. The furnisher of this information, XXXX, is unwilling to accept the federally provided FTC # XXXX Identity Theft Report and the communication I have made stating the information is fraudulent and inaccurate. The furnisher and creditor XXXX, is also claiming payments to this account are currently being made, which is not being paid by me from whom this account is apparently tied to. XXXX and EXPERIAN will not recognize that is account is not mine, nor has it ever been. I was a victim of identity theft and this is fraudulent.
Consumer complaint received 2021-09-23
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. (CA)

I have an old credit card from XX/XX/2017 which was paid in full yet is marked as a collection/charge off when it was not ever charged off or in collections. 
Creditor ; XXXX XXXX  XXXX XXXX Account marked as Collection/Chargeoff Balance ; {$0.00} Contact ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX
Consumer complaint received 2022-06-30
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has 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 credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico 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 XXXX i made this clear for 60 days straight with XXXX 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 XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX 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 XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-01-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc. (CT)

I contacted XXXX ( XXXX XXXX ) in early XX/XX/XXXX to cancel my account. XXXX informed me I could cancel any time prior to XX/XX/XXXX ( the end date of the current cycle ) by returning all equipment. I returned the equipment on XXXX XXXX  at which time XXXX informed me there were no pending or further charges. However, XXXX subsequently charged my credit card on XX/XX/XXXX, over one month after cancelation. I disputed the charge with my credit company on XX/XX/XXXX, who in turn contacted XXXX on XX/XX/XXXX requesting evidence that the charge was legitimate, e.g., an account extract. XXXX could not provide evidence and the dispute was resolved in my favor on XXXX XXXX XXXX Following the favorable XXXX re-invoiced the charge of {$160.00} and now claims I have a past due balance. I have reported the issue to the XXXX  To-date XXXX has no proof that their bogus claim is legitimate. However they have referred the matter to a collection agency, Collection Bureau of XXXX XXXX who is contacting me via phone and mail in a harassing manner.
Consumer complaint received 2022-07-02
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Modern Asset Management, Inc. (TX)

XXXX sent me emails in XX/XX/XXXX stating that I was past due when I was not. They called me at the following time regarding a collection and they sent emails saying I was late too. I had already made my payment on time. They took 10+ days to post the payment. That is not my issue. They clearly violated my rights with calls before XXXX local time ( CST ). 
They called from XXXX to XXXX XXXX follows : XX/XX/XXXX called at XXXX and XXXX CST XX/XX/XXXX called at XXXX, XXXX, and XXXX CST XX/XX/XXXX called at XXXX and XXXX CST XX/XX/XXXX called at XXXX CST XX/XX/XXXX called at XXXX CST JXX/XX/XXXX called at XXXX CST ( date shows yesterday ) Then in XX/XX/XXXX- I made my payment on time but they sent me email and called when my payment was made on time XXXX for FDCPA violations In XX/XX/XXXX, I asked for their help in resetting my password, and they refused to send me a new password. I can't validate my account # because I can't get into the online system. If you look at the email thread, they had the information they needed to assist me, however, they chose to play games with me. 
Attempt to reset password attachment I sent them a demand letter as I was tired of being treated this way. They acknowledged the letter sent XX/XX/XXXX and did nothing. I sent same letter via USPS and chose to ignore it as well ( tracking # XXXX delivered XX/XX/XXXX ). 
Ack of letter attachment
Consumer complaint received 2023-06-05
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: EQUIFAX, INC. (FL)

Dear Equifax : While checking my most recent credit report, I noticed credit inquiries that I did not authorize and they are a result of identity theft, made by the following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXXXX/XX/2023 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2022-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I paid for a hotel room through an app for XXXX via my phone using my Bank of America XXXX XXXX credit card. I also paid the added cost of insuring the room 's availability. When I got to the hotel, the clerk told me the room was given to someone else and no other rooms were available. I could not find another room in a safe hotel in the area and my family and I had to sleep in our van. The price I paid was {$330.00}. I initiated a dispute through my credit card company. The dispute failed and I incurred the cost on my credit card. The Bank of America XXXX XXXX representative told me the letter from XXXX stated that the hotel tried to make accommodations but because of the circumstances, couldn't accommodate me nor refund the money. That explanation did not make sense to me and I feel my credit card company should have done more to protect their consumer. I have since cancelled my card over this problem.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (MD)

XXXXXXXX XXXX XXXX Date opened : XXXX XXXX Amount : {$820.00} Action : XXXX XXXX XXXX XXXX XXXX XXXX  From XXXX XX/XX/XXXX. I have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXXXXXX XXXX XXXX  Date opened : XX/XX/XXXX Amount : {$1600.00} Action : XXXX XXXX XXXX XXXX XXXX XXXX From XX/XX/XXXX - XX/XX/XXXX. I have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXXXXXX XXXX XXXX XXXX Date opened : XXXX XXXX Amount : {$350.00} Action : XXXX XXXX XXXX XXXX XXXX XXXX From XXXX XX/XX/XXXX. I have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX opened : XXXX XXXX Amount : {$1300.00} Action : XXXX XXXX XXXX XXXX XXXX XXXX  From XXXX XXXX have no knowledge of this account. I disputed this account on XXXX and XXXXavent heard anything back from this company. 

XXXX XXXX  XXXX opened : XXXX XXXX Amount : {$720.00} Action : XXXX XXXX XXXX XXXX XXXX XXXX From XXXX XX/XX/XXXX. I have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXX XXXX XXXX XXXX XXXX opened : XXXX XXXX Amount : {$5000.00} Action : XXXX XXXX XXXX XXXX XXXX XXXX From XXXX XX/XX/XXXX. I have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXX XXXX XXXX XXXX  XXXX opened : XXXX, XXXX Amount : {$1100.00} Action : XXXX XXXX XXXX XXXX XXXX XXXX From XXXX XXXX have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXX XXXX  XXXX Date opened : XXXX XXXX Amount : {$1600.00} Action : XXXX XXXX XXXX XXXX XXXX XXXX  From XXXX XXXX have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXX XXXX XXXX  Date opened : XXXX XXXX Amount : {$570.00} Action : XXXX XXXX XXXX XXXX XXXX XXXX  From XXXX XXXX have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXX XXXX Date opened : XXXX XXXX Amount : {$960.00} Action : XXXX XXXX XXXX XXXX XXXX XXXX. From XXXX XXXX have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company.
Consumer complaint received 2022-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX Bank # XXXX Credit Card, has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (TN)

XXXX Dovenmuehle Mortgage has collected money through our escrow payments related to the Loan XXXX and saying that they paid the tax disbursements to the XXXX County tax office , it is also reflecting on XXXX sent by XXXX Dovenmuehle Mortgage for XXXX however the XXXX county tax collectors office is saying they never received any payments from XXXX XXXX Mortgage , and the county tax office is asking for the proof of the payments ( front and back of the check ) payments made to the address and also the property address and to the parcel it was made, XXXX Dovenmuehle Mortgage is not providing any proof and the company is avoiding to pay the money back to us. 
We have written several emails, called customer support who are very impolite, and also faxed the letter received from the county for the non-receipt of the payments. The loan is transferred to the XXXX XXXX XXXX  XXXX XXXX and they are also not providing any proof of payment or the property address to which it was made or to where the payments were sent, we need this to be resolved legally or through the normal process, this incident has occurred on XX/XX/XXXX of XXXX and it is almost six months and the mortgage company is not ready to resolve the issue, this is very unfair and the mortgage company is not bothered or ready to resolve the issue Please see the message received from XXXX Dovenmuehle Mortgage : We received your inquiry, dated XX/XX/XXXX, regarding your county tax disbursement. 

Our records indicate that a county tax disbursement in the amount of {$3300.00} was made to XXXX County on XX/XX/XXXX, via check number XXXX. Please note that when we send out tax checks, they usually are in a mass bulk check, containing multiple borrowers payments. For this reason, we are unable to provide copies of these checks. Please follow up with your county regarding this payment. 

Message from the XXXX County Tax collector office : XXXX XXXX XXXX XXXX County Trustee XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX. XXXX  XXXX XXXX, TN XXXX XXXX XXXX : XXXX XXXX Property Taxes for XXXX XXXX XXXX XXXX XXXX, TN Parcel ID # XXXX Dear XXXX, I am enclosing a paid in full receipt for the XXXX taxes for XXXX Elk XXXX XXXX XXXX We have received a single payment from XXXX, check # XXXX, on XX/XX/XXXX. No duplicate payment from Dovenmuehle Mortgage has been received. I spoke with our Corelogic Tax Service representative and Corelogic did not receive a payment from any mortgage company this year, as they have in prior years for this parcel. 
Please let me know if you need additional information or assistance. You may e-mail or call our office at ( XXXX ) XXXX. 
Sin.c-e-rely,  XXXX  XXXX XXXX, Trustee c_, ~
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Team Recovery Inc. (OH)

Team recovery and some XXXX XXXX collections including other recovery services have repeatedly putting collections on my credit report. These are all medical bills. I am XXXX and receive XXXX. My income is low and I can not pay these bills they turn into collections against me. I have contacted the hospitals and they have offered no financial assistance to me at all. Please help with these collections!!!
Consumer complaint received 2022-07-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY (PA)

From XXXX a total of {$1500.00} was taken from my account without my knowledge or permission, I filed a claim with Wells Fargo but my claim was denied for insufficient reasons. I've received mail saying my claim is closed.
Consumer complaint received 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

All three provide useless telephone contact. To try and get into their reporting via any site they provide a lark, a joke a facade. They do not work. Frankly in my opinion by design!!!!!
Consumer complaint received 2021-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

XXXX Account was placed on hold because checks that my daughter deposited one was for a loan payback and the other was for funds she thought she was helping a friend consolidate funds until she opened her own account turns out that both of these checks one in the amount of XXXX for the loan owed and XXXX turned out to be fictitious checks because she was not authorized to write checks on one her parents account. And the other check was also deemed to be fictitious, and so they were returned. We were told XXXX that the bank made the decision to close all of the checking accounts. Which they did not they left my account open. Even though there was no loss to the bank we have a verified balance of XXXX on the XXXX account this account has been on hold and funds have not yet been released back to us. Every time we call we are placed on hold or the account services department is closed. It has been well over 30 days. I have educated my daughter and consulted with the family that is involved. Now we want the account closed and her funds returned.
Consumer complaint received 2023-05-22
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. (IL)

I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.
Consumer complaint received 2020-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I would like to bring to your attention that all 3 credit reporting agencies Transunion, XXXX and XXXX are abusing their authority in keeping consumer credit scoring. I have been suffering financially because of the COVID-19 situation. I have been trying to fix my credit since XXXX so that I can borrow credit in order to sustain with family during this difficult situation. 
Just to sum it up, below are the ways they are making me suffer ; My credit scoring has not changed since XXXX. It is as if they have blacklisted me from gaining points I used my savings to pay off 3 collection accounts that were on my credit report. Although they have removed those collection accounts but the agencies are not returning around 75 points that they had deducted when the collection accounts got on my credit report There have been positive and negative events on my credit report since XXXX but they have not given me any points for positive developments Please help me out in getting this straightened out. This is the last thing the tax paying citizens need to worry about in this pandemic. 

I am attaching one of the correspondences I had sent to them in this regard. They have ignored my request in their responses. 

Thanking you ...
Consumer complaint received 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NV)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of inquiries that do not belong to me as they are fraudulent. 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX, XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  XXXX XXXX  Inquiry : XXXX. XXXX, XXXX  XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.