davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-08
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. (OH)

I recently pulled my credit report and seen that several companies XXXX XXXX XXXX XXXX XXXX card and spectrum on my credit report. I had spoke with the credit one and XXXX gas because the amounts are inaccurate i never had a card over {$300.00} so i am unsure where the debt of $ XXXX comes from and then i explained that i had been frauded by my caretaker when i was ill then the lady died and all of a sudden i get out the hospital and i have these bills and debt on my credit cards that wasn't used they have a history of not being used to being maxed out. This has destroyed my life! Then the cable company XXXX ran my credit report I had an old account that with another company through a package deal for rental. The representative was supposed to cancel the bill they didn't they ran my credit then denied me, when i never applied for service. Then i have companies that I have not done business with on my credit report account i have never worked at a bank nor had those numbers i have had the same number for 10 years all these multiple inquires on my report where people are having my information ran in the system i keep trying to explain to them its not me the person that committed the fraud passed away not long after the incident in the state of ohio you cant file a police report on someone you know due to the law so it becomes civil
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (CA)

I attempted to make my mortgage payment on XX/XX/2023, through my mortgage companys app. The app only recorded a portion of the payment, and failed to record the payment in full. I was notified on XX/XX/2023 from my credit bureau that the mortgage company reported a late payment to the bureau. At that time, I simultaneously called my mortgage company, and logged into my app and made another payment. The representative for the mortgage company requested that I email an appeal, explaining that the app failed to record the payment, and to request that the late payment be removed from my credit record. I did so. I recently received word from the mortgage company that they will not remove the reported late payment, even though I paid the proper amount on time, and their app failed to record it.
Consumer complaint received 2020-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (FL)

I am XXXX and need a credit card for emergency situations. Discover Card has continually reduced my credit limit from a maximum of {$15000.00} ten years ago to {$500.00} recently. My credit score has remained fair to good. recently it was XXXX. I have 100 % payments on time. I have had this card since XX/XX/1989, one of my longest. I used to use the card frequently, but since it has been gradually reduced to a {$500.00} limit, It is not useful for any travel or car rentals. Hardly anything except for small purchases, and it is not my go to card, primarily due to the low limit. I have a XXXX  XXXX XXXX Visa XXXX with a limit of {$25000.00}. I have several other cards as well. So in the past couple of years, I have it as a backup, and not used. Discover Bank is therefore not making any fees or interest on it. That is the real reason they canceled my card, for lack of use. If they can't make any money, they don't want me as a customer. So then they look at my credit report and analyze it for any possible reason to get rid of me. The Key Factors they used for this decision are vague and several or not correct. Furthermore, if I were younger or used the card more, they would not have done this action. It is not as though I really need this low limit card, but the way they have done this is unfair and discriminatory. I am claiming age and XXXX discrimination in this denial of credit.
Consumer complaint received 2023-08-08
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. (OH)

XXXX XXXX XXXX XXXX {$520.00} XX/XX/XXXX, XXXX, XXXX XXXX, {$920.00} XXXX XXXX, XXXX, {$500.00} Account Never Granted Closed by XXXX XXXX XXXX XXXX XXXX XXXX  {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$1000.00} The collection and credit reporting agencies have broke the following laws according to the FCRA : 15 USC 1681 section 602 15 USC 1681 section 604 15 USC 1681s -2 Please remove immediately
Consumer complaint received 2023-08-08
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 am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 
Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 Account Number XXXX XXXX XXXX {$3200.00} POSTED ON XX/XX/2019 CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
Consumer complaint received 2019-01-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

I sent a letter to XXXX XXXX XXXX requesting that they validate Not verify a debt that they are reporting to the three credit bureaus. I specifically asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Open Dealer Exchange, LLC (FL)

On XXXX XXXX 700CXXXX XXXX XXXX ( Auto ) completed inquiries on my credit profile, I did not authorize them nor provided anyone with permission to authorize them use of my information, I made contact with the company and XXXX to remove these inquiries and all attempts failed.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2018-11-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Counsel, Inc. (OH)

My husband received care at a rehabilitation facility called XXXX XXXX XX/XX/XXXX. All services were paid for upfront through our insurance and we also paid around {$60000.00} for his stay at the facility. On XX/XX/XXXX we received a notice from our insurance company advising they received a bill from what appears to be a company related to XXXX XXXX. They refused payment due to incorrect diagnosis codes, modifiers, unit or place or service. We later received what appears to be a medical bill from the rehab facility reflecting a remaining balance due of {$4500.00}. At the bottom of this bill there is a hand written note showing a balance of {$290.00} for " Canteen Items. '' I've never received a medical bill like this in my entire life. When my husband attempted to contact XXXX XXXX directly to dispute these erroneous charges they couldn't explain the bill and refused to send his dispute to the their billing department. They instead advised he should contact a XXXX XXXX who is supposedly with their billing department. However, we've received phone calls from XXXX XXXX ( XXXX ) and when we've attempted to call him directly he is never available. I've attempted to contact him directly and have left voicemails advising that we're disputing this bill and requested him not to call us again. He later made attempts to contact my husband and I through my parent 's in law and advised them of this medical debt WITHOUT OUR PERMISSION. He left me a voicemail again on XX/XX/XXXX. To date we haven't received a bill or notice from XXXX XXXX about this fraudulent debt. When I called today XX/XX/XXXX I spoke with another man. He advised XXXX XXXX wasn't available, so I advised him we're disputing this fraudulent debt and requested to be put on their Do Not Call list. He refused to stop the calls and advised I would have to tell XXXX XXXX myself. I advised his company is breaking multiple FDCPA guidelines and he replied " they don't have to bend to my will and I could probably end up getting sued, this isn't a sales call so these guidelines don't apply, and he finally advised if I don't want these calls to continue then I should get an attorney. '' I would like to advise I've now contacted an attorney per their request. I confirmed that the actual company contacting us is NOT Serenity Oaks, but a debt collection agency called Credit Counsel Inc., CCI. AGAIN, we have never received anything in the mail from this company! During my call with the gentleman today, XX/XX/XXXX, at no time did he EVER give the mini-Miranda disclosure required per FDCPA guidelines.
Consumer complaint received 2018-11-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Card Receivables Fund Incorporated (NV)

I have tried to dispute, multiple times a collection that was included in my BKXXXX - even after discharge their remarks claimed it was an open and active collection account, accosting me an extra out of the gate from discharge derogatory, incorrect and damaging collection status, balance, and keeping the status as an open and active collection account REGARDLESS of the the fact that it was IIB and took several disputes just to get the remark chapter XXXX bk noted, however, they REFUSE to change the status to closed discharged and IIB and it is affecting my credit standing and rebuilding process in the worst way possible. It's not only an FCRA violation, it's an attempt to look like a risky borrower on all 3 of CRA 's. 

The status should report as all of my other tradelines have, XXXX balance, included in BKXXXX and have it listed as a CLOSED matter as it is such. It is still not 100 % accurately reporting after several disputes. 

XXXX XXXX
Consumer complaint received 2020-04-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

My hardship began in XX/XX/XXXX when I purchased my first home from XXXX XXXX XXXX. I was put into a subprime mortgage and as well as my neighbors in the development named XXXX XXXX in XXXX, Virginia. For the first 2 years I paid my mortgage with no issues but as the XXXX XXXX XXXX took its toll I tried to get a loan modification with no success from XXXX back in XXXX and I didnt know that they were under investigation for mortgage fraud by the US Government. Eventually XXXX XXXX XXXX was purchased by XXXX  XXXX XXXX so I was told by XXXX that I would have to submit new paperwork in order for them to process my loan modification and I did in XXXX and just like with XXXX before nothing happened. I then wrote a letter to my XXXX XXXX XXXX at the time for assistance with the matter and that pushed the ball somewhat but alas to no avail. Then when the National Mortgage Settlement occurred that XXXX XXXX XXXX was a Party to I couldnt get any relief from that because my mortgage is not backed by XXXX or XXXX. XXXX XXXX XXXX served both as my Mortgage Servicer and lender of my mortgage so I couldnt take advantage of any relief from the National Mortgage Settlement Lawsuit nor from HAMP, HARP, or other US Government backed programs because my mortgage isnt backed by XXXX or XXXX. I am paying 80 % of my income to my mortgage and I have tried over the decade to get relief but every corner I turn I was faced with roadblocks and hindrances from XXXX  XXXX XXXX. XXXX and thus XXXX XXXX XXXX KNEW I was in a subprime mortgage and they did nothing to help me but stall me to no end. I went through the arduous task of getting a Forensic Audit on my mortgage which showed huge gaps and illegalities. I am in a position where I can not afford legal counsel to go after XXXX XXXX XXXX well now SPServicing who is the current holder of my mortgage as of XX/XX/XXXX. I am a XXXX service-connected Veteran and I can't get any relief from this mortgage even from the VA and I can't even use my VA Home Loan benefits to get me from under this oppressive mortgage. This mortgage is FRAUD through and through and I am in desperate need of help. I am seeking complete mortgage relief.
Consumer complaint received 2019-01-03
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: JPMORGAN CHASE & CO. (PA)

I purchased a ticket on XXXX XXXX on XX/XX/2018 to fly to XXXX on XX/XX/2018 for {$1600.00} on flight XXXX. 
When I arrived at the airport on XX/XX/2018 to take my flight there were several delays and finally XXXX XXXX sent me an email on Saturday, XX/XX/2018 at XXXX XXXX stating that the flight would now depart on XX/XX/2018 at XXXX  and it gave me three options in regards to this flight : 1 ) hotel and meal voucher 2 ) full refund 3 ) new ticket with another airline and reimburse up to XXXX EUR. I booked a flight with another airline and I requested a full refund from XXXX XXXX. 
I booked a ticket on XXXX XXXX departing XX/XX/2018 at XXXX from XXXX to XXXX with a layover in XXXX flight XXXX. I flew on XXXX XXXX on XX/XX/2018. 
My assistant starting on XX/XX/2018 emailed and called XXXX XXXX several times per week requesting the full refund with no response from XXXX XXXX. 
My assitant, contacted Chase Sapphire on XX/XX/2018 and spoke with XXXX in the dispute department about the charge of {$1600.00}. Chase Sapphire credited my account {$1600.00} on the XXXX statement. Chase Sapphire contacted XXXX XXXX and received documentation from them in a form of a flight itinerary stating that I flew with XXXX XXXX and proceeded to rebill my credit card on my XXXX statement stating that I had I flown with XXXX XXXX. There is no conceivable way that I flew with XXXX XXXX on XX/XX/2018 as I flew with XXXX XXXX on the same day. The documentation that XXXX XXXX provided Chase Sapphire is fraudulent. My assistant contacted the FAA in regards to this fradulent documentation on XX/XX/2018. I have documentation from XXXX XXXX that I flew with them. I also have and email from XXXX XXXX stating that they would be refunding me the ticket on XX/XX/2018 at XXXX XXXX. All of this occurred before XXXX XXXX went out of business. Chase Sapphire said that my documentation did not support my side and has refused to credit my account.
Consumer complaint received 2020-03-06
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: Bliksum, LLC (TX)

My current XXXX credit report shows unauthorized and unrecognized inquiries from loanme/XXXX/XXXX. The inquiry was made on XX/XX/2020. I have sent written request with delivery confirmation on XX/XX/2020, requesting that this inquiry be removed immediately. It has not been removed as of today XX/XX/2020. This unauthorized/unrecognized inquiry is having a negative impact on my credit score/report and has already been cited as a reason why I have been denied credit.
Consumer complaint received 2023-08-09
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: Bread Financial Holdings, Inc. (MN)

These accounts and inquiries are not mine they was made without my permission, consent, inquires. XXXX XXXX Reported : XX/XX/XXXX Opened : XX/XX/XXXX, XXXX XXXX XXXX Reported : XX/XX/XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Reported : XX/XX/XXXX Opened : XX/XX/XXXX or All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
Consumer complaint received 2023-08-20
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. (TN)

On XX/XX/XXXX, I was reviewing my consumer report and noticed that bankruptcies were reported on my consumer reports. Each of the consumer reporting agencies will claim they have a right to report this information based on the fact they received the information from a 3rd party and not the original source of the information. Under the privacy act of XXXX, the Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual. The bankruptcy courts don't report any of this information they are the original furnishers of this information in which it is to be verified with. This is not being done and fraud is being committed every time they steal this information and report it.
Consumer complaint received 2019-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (DE)

GM Financial Settled " Settled less than full balance '' their account that was opened in XX/XX/XXXX that is currently closed. They updated my credit reports showing different statuses on all 3 credit bureaus. The information they have on each report is different. 

On XXXX  PAYMENT STATUS states : " legally paid for less than the full balance '' with a STATUS UPDATED date of XX/XX/XXXX with an original balance of {$17000.00}. This shows positive on my report as it states PAID. 

On XXXX, there is nothing showing in PAYMENT STATUS, thus showing the account as derogatory. The date under STATUS UPDATED and BALANCE UPDATED is the wrong date ( XX/XX/XXXX ). 

On XXXX, under PAYMENT STATUS it shows " Bad debt/placed for collection & skip '' as opposed to settled/paid for less than full balance ''. Thus showing it as derogatory. Under the section YOUR STATEMENT, they filled in " settlement accepted on this account paid charge off ''. That is not my statement as I have not made any statements. They also put this under their comments. It would have been helpful if they put this under payment status instead. 

Since the account has been settled, could they please show that in the Payment status section as " SETTLED AS PAYMENT IN FULL FOR LESS ''. 

Either consistency or deletion is helpful. Thank you kindly.