davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-11
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. (NC)

The accounts currently on my credit report are not mine. I have recently discovered them and did research to understand what my next steps are to remove them because I am a victim of identity theft. I am submitting this to ensure that these accounts are removed and blocked to protect me from the individual ( s ) from continuously using my information to open fraudulent accounts.
Consumer complaint received 2019-04-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MD)

Throughout the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I was receiving payments from a friends. I had allowed this friend to borrow money and he was using his XXXX XXXX, which he had linked to his Cash App to send me money directly to my Cash App as repayment for the loan. On XX/XX/2018, however, I recevied a notification that this person, whose username is " XXXX '' on Cash App filed a dispute with their XXXX XXXX and that those funds would be refunded to him. On that day, I had several payments taken out of my account and returned to him, totaling {$3100.00}. After talking to him, he claimed he had no idea what was going on. We tried to resolve it but then, on XX/XX/2018, I again received notifications claiming that more payments were disputed and were being refunded, totaling another {$1300.00}, for a sum total of {$4500.00} between the two days. After further talking to XXXX, we realized that his father, who shares the card with him filed the dispute because he did not recognize the charge on the statement. Realizing his mistake and that the payments to me were indeed valid, he reversed the dispute with his XXXX XXXX. They then sent the funds back to my Cash App account between the middle to the end of XX/XX/XXXX. All the funds had been sent back by XX/XX/XXXX. Cash App, however, did not credit my account with these funds, even after trying to contact them numerous times. They do not have telephone support so everything must be done by email, which is extremely slow and frustrating. Finally, after several months, they did credit me for the {$1300.00} that was taken on XX/XX/XXXX but have yet to return the {$3100.00} that was taken on XX/XX/XXXX. I have talked with XXXX who has confirmed that the money was indeed send to Cash App. They have even sent me a letter that was sent to Mr. XXXX, who is XXXX 's father, that confirms the reversal of the dispute. I've tried contacting Cash App several time in the past few months, but they simply no longer reply. My emails get ignored. I've even submitted the letter to them. All I ask is that the {$3100.00} that was erroneously taken from me is credited to me now that it has been send back to Cash App from XXXX XXXX.
Consumer complaint received 2019-04-11
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. (CA)

Inquiry XXXX in XX/XX/2019. 

I did not authorize this inquiry. Reached out to XXXX XXXX, they said they would notify the TransUnion. However it still shows
Consumer complaint received 2019-04-10
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. (CA)

On XX/XX/19 I reviewed all three credit bureaus and noticed there was fraudulent activity on my credit reports and on XX/XX/19 I requested a security freeze, fraud alert be placed on each credit bureau. On XX/XX/19 I mailed 3 signed, certified dispute letters with Federal Trade Commission Affidavits to XXXX, XXXX and Trans Union paying a total of {$25.00} for the mailing fees. I received notification on XX/XX/19 that XXXX received the certified packet and its contents with the tracking number XXXX. On XX/XX/19 I received notification that XXXX received the certified packet and its contents with the tracking number of XXXX. On XX/XX/19 I received notification that Trans Union received the certified packet and its contents as well with the tracking number XXXX. Next, on XX/XX/19 I went to review all three credit bureaus and paid my monitoring website {$24.00} to refresh all reports and noticed that each fraudulent account was still on my credit and there was no changes on any of the credit reports. It is now XX/XX/19 and I reviewed my credit reports again and there are no changes. I have not received any investigation notes whatever and now I am reaching out to the Consumer Financial Protection Bureau to help me rectify this urgent situation. It has been well over 30 days as stated in the Fair Credit Reporting Act section 611. Additionally, I did send copies of the section 611 with all the certified packets to further support my case.
Consumer complaint received 2019-04-10
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. (FL)

XXXX XXXX finances my home. During hurricane Irma I suffered extensive damages, {$130000.00} to be exact. After a year and a half of trying to get this forbearance and modification complete I was finally approved for a loan modification ... .at the same time I settled my suit against the insurance company. 

While waiting for checks to pay the house off and start the repairs I applied for a {$5000.00} loan to tarp my roof so it doesn't fall in and have further damages and was turned down ... .BECAUSE XXXX XXXX HAS RUINED MY CREDIT. I was told that there is a derogatory report from XXXX XXXX on my credit that has ruined me. All because the whole state of emergency and hurricane damages, and they told me NUMEROUS times that this WOULD NOT AFFECT MY CREDIT!!!!! I have that on paper and recordings. So me and my XXXX son are out of a house because I can not protect it as I CAN'T GET A LOAN. The settlement has been canceled and they have have the house and the {$130000.00} worth of damages. I'm done. I've been approved for a loan modification but I've been late on my payments for over a year???? How exactly does that happen? Don't you think that had I NOT made my payments on time and in full that I would NOT have been approved for a loan modification?????? Well, I was, last month, XX/XX/2019. And how do I have {$220.00} of UNAPPLIED FUNDS but I'M BEHIND ON MY MORTGAGE??????
Consumer complaint received 2019-04-11
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: EQUIFAX, INC. (MS)

I pulled my credit report om XX/XX/XXXX, According to the Credit report My DOB was incorrect in my file, I have been in the bureau since XXXX ; I sent them my Identification9a Mississippi Drivers License and a copy Of my SS Card I waited 30 days. I also contacted the FTC, in XXXX, GA, They responded promptly, and advised me to Contact My Congressman ; I did so, contacting Mr. XXXX XXXX 's Office here in XXXX on XX/XX/XXXX, At this time I shared my problem with the office staff.In doing so Mr. XXXX 's Office staff made a copy of My DL My SS card, and My Birth Certificate, and they forwarded that information to Equifax, On XX/XX/XXXX I recieved a Phone Call from a number XXXX, My Caller ID says it's Equifax, the man Asked me questions, to which I answered all of them. He advised me that he would correct the DOB, and other information. and that he would Put It in the Mail, Today 's date is as follows, XX/XX/XXXX. I've heard nothing, Nor Has Congressman 's XXXX 's Office. I've  tried calling the Number and I got a recording. also the questions asked of me by Equifax, leads me to believe also, that I am the victim of Identity Theft. i did not by a Car in XXXX, nor a Home in XXXX, and Credits Cards,  and A Student Loan from XXXX ... I need your help, I'm begining to think that maybe it was Intentional. 
I filed taxes with XXXX XXXX XXXX XXXX, all of my life, and not once was I audited, nor asked to pay any money, b ecause of an Overpayment, but after this thing with Equifax I was asked to pay, XXXX for an overpayment in that amount from XXXX. I have the XXXX XXXX XXXX XXXX   Guarenntee. XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX, MS . XXXX XXXX, XXXX
Consumer complaint received 2019-04-10
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. (MD)

XXXX XXXX XXXX Should have a balance of zero this was included in my bankruptcy 7 I've tried everything to have them to update it that won't I told them to look at previous reports to see it was on there but they refuse to
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2019-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (AZ)

The debt in question was paid on XX/XX/XXXX as seen on my bank statement, and the paid in full letter from XXXX. 
On XX/XX/XXXX i received a new letter from Convergent, claiming i still owe for same account at XXXX XXXXXXXX. 
I called XXXX XXXX twice to confirm account is closed and no bill is due. confirmed on second call with XXXX. I was also told that XXXX XXXX did not send/report a new collections to Convergent. 
Called Convergent to clarify situation, was told that Convergent just received the collections from XXXXXXXX XXXX on XX/XX/XXXX, then send me the notice on XX/XX/XXXX Convergent was no help in trying to clarify situation just kept stating that i owed the money.
Consumer complaint received 2018-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: Gurstel Law Firm, P.C. (AZ)

I had a credit card with XXXX XXXX XXXX with a balance of {$2500.00} including costs from Gurstel law firm. The credit card debt with XXXX XXXX XXXX was discharged in a Bankruptcy Chapter XXXX. Gurstel law firm got a judgement against me to garnish my wages. This credit card debt was discharged in a Chapter XXXX Bankruptcy. I've called several times to inform of the bankruptcy. I even left 2 messages informing of the discharged credit card debt. Needless to say Gurstel law firm has not responded appropriately to the improper charge on a discharged credit card debt. The fraudulent action to use the court system to collect debts is  unlawful to say the least.
Consumer complaint received 2019-04-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (AZ)

The company and or companies associated with XXXX XXXX XXXX and/or Midland Credit Management Company are attempting to garnish my wages for a defaulted judgment in the amount of XXXX that I have never received notification of. The company states the debt is with XXXX however, I have never had an XXXX phone or account nor did I sign any type of agreement stating that I did in fact owe this or even claim it was mine to begin with. In addition, I have requested the company provide evidence that this belongs to me and they have failed to do so. My employer received a summons and we both ( Company Representative and Myself ) must appear in court at the address listed on the court documents attached. Additionally, the records indicate that my previous employer had been served with the Writ of Garnishment however, this was never brought to my attention by my employer, nor have they delivered any such documents to my home of residence. The address contained in the court documents is not associated with me. Finally, this suit is Time-Barred pursuant to US CODE : TITLE 15 Chapter 41 Subsection II.

Additionally, on XX/XX/XXXX subsequent to learning about this garnishment, I contacted the company to later find that their name was MCMC or Midland Credit Management Company and asked for evidence of this matter. The woman, XXXX XXXX. XXXX provided login information of my account number and the last 4 of my social. When trying to use this information, the website says it is incorrect ; that said, I contend that said evidence does not exist and demand proof thereof.
Consumer complaint received 2019-04-10
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. (FL)

I have been trying to have the correct date of 1st delinquency accurately reported and disputed this several times. The results come back as reporting accurately from XXXX, although I keep providing the credit reports from the credit reporting agencies showing on their own report that the date of first delinquency reported is XX/XX/XXXX. 

This negative account should be removed from my credit reports on or before XX/XX/XXXX. 
XXXX reports that the date of first delinquency is XX/XX/XXXX, which adds years to the removal from my account which violates the FCRA timeframes. 

I would like this corrected so that the negative information will be removed per the FCRA timeframe in XX/XX/XXXX. 

I am providing copies of the letters and a copy of an XXXX payment history report dated today, XX/XX/XXXX showing the late charge assessment on XX/XX/XXXX, which corroborates the actual late payment. 


I am also providing copies of each credit report showing the first reported late payment on XX/XX/XXXX.
Consumer complaint received 2019-04-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

USAA has put my account in a fraud restrictive because of elder abuse. I am not being abused and when I called in they wanted for me to give them the loans that I have applied for. I couldn't remember of the bat because I have a head cold. But I won't to put them here to, car loan, installment loan, credit card and a secure card. It has been only me that USAA has been talking to. I gave them my new phone number of XXXX. But they kept calling my old phone number I had on file. I was able to verify all the information but because of the recent loans i applied for that I couldn't remember I have to wait to call back 24-48 hours because of their review. USAA attempted to call me before they put in a fraud status but they were calling my old number.
Consumer complaint received 2019-04-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: SYNCHRONY FINANCIAL (OH)

I previously filed a complaint with the CFRB ( id # : XXXX ). Your site says the complaint is closed because the company responded to me. The company did respond by sending me a letter dated XX/XX/2019 stating that will need 1 to 2 billing cycles before they can respond. I then received a call on XX/XX/2019 from someone who was unable to be heard during some of the voice message left. He called from XXXX XXXX XXXX XXXX which is listed on Internet SPAM/SCAM sites as a marketing number for Synchrony Bank and GE Credit. The caller left a call-back number of XXXX XXXX XXXX XXXX extension XXXX XXXX " in case I had any questions. '' I did call back and was placed into marketing loop cycle where the only option was to be registered for some sort of security health alert system. Also the paperwork that came with the new credit card ( received XX/XX/2019 ) stated I would be receiving a paper account on the replacement account in 2 to 3 weeks. I have yet to receive that statement or any other paperwork from this bank or any of its subsidiaries.
Consumer complaint received 2019-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

This form only allowed me to mention one problem but I have had two with Experian : By way of background, I have a long and positive credit history. 
1. I received a letter from Experian that a creditor had reported a change to my name, address or SSN. I obtained my credit report and found address and employer errors. I sent in the corrections along with a copy of their letter and my personal information. 
I received a reply that said they were unable to locate credit information about me because I either didn't provide sufficient ID info or I haven't established a credit history. How does this make sense? 
2. I bought a XXXX membership that included a bonus if I got a XXXX credit card. XXXX said I needed to unfreeze my Experian account. I called Experian, followed the prompts for a temporary freeze lifting, and provided the correct PIN and identifying information to the recorded voice. I was then told by the recording that I needed to write to Experian with a list of documentation to get the freeze lifted. Why put me through the paces on the call? Why jump through so many hoops for a 48 hour unfreeze? I gave up on the XXXX card, bad for me and bad for business.
Consumer complaint received 2019-04-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC (OH)

I am asking that mrs bpo llc document materials forwarded to XXXX XXXX, XXXX, XXXX  for me, mrs bpo llc as concerns the unsubstantiated account number. Since as error may be present within that information, I respectfully demand that you transmit this documentation quickly. Also please supplement with materials which verify that the account was established legally. I do not want just a cursory account history. Instead, I have requisitioned a detailed verification. If you can not meet these reasonable requests during the month following receipt, account summaries transmitted by mrs bpo llc to the three consumer reporting agencies must be considered false and may bespeak a statutory violation. In that case.you must erase that bureau without delay.
Consumer complaint received 2019-04-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

According to my credit report Khols/CapOne is reporting an alledge debt of {$250.00}. I have contacted via mail for any information to validate the reported account and have never been contacted. Also this account is over 7 years dated from the reported last payment which again i don't even know what this account is and to my knowledge is NOT mine. I have never entered into any contract written or otherwise with this company and am requesting any/all documents that would specify anything supporting I owe this debt.
Consumer complaint received 2019-04-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Community Health Investment Company, LLC. (TN)

I had a medical bill from a visit to a hospital show up on my credit report 6 months approx after my visit. I was never once contacted by the hospital via phone, email, and regular mail to pay the bill. Also, my insurance company did not send me anything stating that I owed for a bill. The day it showed up on my credit report XX/XX/2019, I contacted the original credited and paid it in full on the same day in the amount of XXXX. They stated that they would report it as paid in full, however would not remove the collection information that was reported on my credit report from XXXX  XXXX XXXX. Had I known that I owed anything, I would have paid it immediately. I initial disputed this as fraud due to the fact that I was not notified via my insurance company or any other company that I owed anything.
Consumer complaint received 2019-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (CA)

GM Financial sent an amount due to the credit bureaus for my final settlement invoice related to my lease turn in without ever informing me of the amount due, when it was due, and providing a reason as to why they reported it. Further, when talking to the GM Financial customer support, they keep saying that the final invoice will come in 90 days after lease turn-in, but then it would make no sense for them to report anything to the credit bureaus about financial information on the account since nothing is due. I'm concerned that they will deem the amount overdue and then it will hurt my credit report.
Consumer complaint received 2019-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AZ)

According to 1681o. Civil liability for negligent noncompliance and 1692d. Harassment or abuse under federal law, Resurgent Capital Services is engaging in said violations of latter federal statutes. Resurgent Capital Services did not provide within 30 days of their notice of alleged debts which apparently goes back several years, and furthermore do not enclose a date of when this alleged debt occurred. There is no itemized receipt that was produced within the afforded time frame of 30 days, nor any evidence that I owe any money to XXXX XXXX. In fact I have never had XXXX XXXX service as my current provider is XXXX, and before that I had XXXX, I do not owe any money to this alleged account. Thus, I hereby refute the validity of this collection attempt, as null and void. This company needs to cease and desist and not communicate with me again on a debt I do not owe.